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WASHINGTON - Now is not the time for the U.S. government to mandate cybersecurity standards to private industry, despite significant threats and a lack of understanding by many company executives. So concluded a panel of government officials that met to discuss the issue in September.
The panel of cybersecurity-focused officials -- part of a discussion in Washington, D.C., on whether government and private industry are doing enough to protect confidential information -- agreed that cybersecurity mandates were not the right way to encourage private companies to adopt cybersecurity best practices. Instead of a so-called stick approach, the U.S. Congress could instead develop some "carrot" incentives for companies looking to upgrade their cybersecurity efforts, according to Bob Dix, staff director of the technology and information policy subcommittee of the U.S. House of Representatives Committee on Government Reform.
The subcommittee is considering several incentives for cybersecurity efforts, including an investment tax credit and a limit on liability for companies adopting cybersecurity best practices, Dix said. A liability limit could include an exemption from U.S. Federal Trade Commission (FTC) actions taken against companies that adopt best practices but still experience a security compromise -- such as hacker intrusion -- that results in the release of consumer data, Dix added.
In late 2003, the subcommittee considered legislation that would have required companies to fill out a cybersecurity checklist in their filings with the U.S. Securities and Exchange Commission. Even though Dix and Chrisan Herrod, the SEC's chief security officer, expressed concern over the state of cybersecurity in the United States, they stopped short of advocating government-defined standards.
Instead, says Dix, best practices should be defined by private industry.
However, a big part of the problem is there's not general agreement on which cybersecurity best practices should become standards, Herrod said at the panel. In terms of government mandates, "we're not there yet," she said, adding that the likelihood of getting any such mandates are currently slim. "I don't think it's possible to mandate something when you don't have agreement on what that something is."
By neglecting to come up with best practices, the government is not simply shirking its responsibility; one industry may require different standards than another industry, and a small business may have different cybersecurity requirements than a large business, noted Laura DeMartino, legal adviser for Orson Swindle, the commissioner of the FTC. "A broad (government) mandate may not be needed for a company that does not maintain sensitive consumer information," she added.
Still, panelists say, many business executives don't give cybersecurity the attention it deserves. Many CEOs still don't see cybersecurity as an important corporate governance issue, Herrod said. "We would love to see information assurance and information security standards as part of corporate governance, but not in the context of mandating them -- in the context of every company following the best practices they can possibly put in place," she said.
In an interview, the FTC's DeMartino says that despite the lack of broad government mandates, there are information security guidelines that CIOs may find useful. The Gramm-Leach Bliley Safeguards Rule, which specifically targets how financial institutions protect consumer data, includes safeguards for information security that CIOs from any industry would do well to follow, DeMartino says. Among them: Devise a written plan that details how to protect consumer data; conduct a thorough risk assessment that identifies internal and external vulnerabilities; and design -- and test periodically -- a plan to control those risks.


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|You are in: Programmes: Hardtalk
Friday, 1 November, 2002, 10:16 GMT
Hungary: Ready to join the EU?
In a HARDtalk interview on 1 November, Laszlo Kovacs, Hungarian Foreign Minister, talks to Tim Sebastian.
Hungary has said that joining the European Union is at the top of its agenda and is due to hold a referendum on joining in March 2003.
Hungary is one of ten countries due to join the European Union in 2004.
But the European Commissioner responsible for enlargement has acknowledged that there are still serious problems over admitting new members.
Tim Sebastian asks Mr Kovacs whether Hungary will be ready to join.
This interview can be watched in full on Friday 1 November on BBC World and BBC News 24 at the following times:
BBC News 24 (times shown in BST) 0430, repeated 2230
BBC World (times shown in GMT) 0330, repeated 0830, 1130, 1530, 1830, 2330
Top Hardtalk stories now:
Links to more Hardtalk stories are at the foot of the page.
|E-mail this story to a friend
Links to more Hardtalk stories
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subset: commoncrawl


text:
This is another one of those blogs where I don't know exactly what I'm trying to get across (I know the general idea), I just went with it. It was a way to get my thoughts down so there isn't one specific goal. It's just a thought I had, that bloomed into many different things. So it can be a little choppy and sporadic, just hang in there. Also, note that I started this blog on September 22 but haven't had the time to finish it (or motivation), until now, but here it is, its a long one:
Recently I have been trying to play Deus Ex: HR, but haven't had much time. Needless to say im about only halfway through. I always tend to read and examine everything in a game like this, to get a complete feel. In this case I pay listen to those radio's scattered about the game. One imparticular (now this isn't a 100% word for word mind you) "kids are living in their own fantasy world's where they can't get hurt. Oblivious and ignorant to the real world around them". The quote goes on to call out video games among some other forms of entertainment and technology. At first, I really didn't think anything of it (which is why i dont have complete quote). Maybe when I was aimlessly crawling through vents, or crouching to watch guard patterns a little later, it finally hit me and a light bulb went off. I started thinking about what that meant for the value/purpose of games. That idea widened to the entirety of today's entertainment.
To television shows like TMZ, that give us news on shit I will never care about, to Yahoo articles about "Emmy dresses you will remember forever" (im quite sure when im 80 im not going to recall what Kate Winslet wore in 2011). I shouldn't, and for the most part don't, (well except when the ruin their lives) give two shits about celebrities. They will never have any direct impact on my life. Ever. There's so much emphasis on entertianment, and the entertainment industry is everywhere. It smacks you in the face at all times; it's impossible to get away from it. But what good does it really do? Entertainment is a luxury, not a necessity. In my opinion if there were no celebrities, movies, television, mass amounts of easily accesible music and yes...even games, (GASP!) we would have closer bonds to other people, achieve more, and improve ourselves as human beings. I could get into shape, learn another language (maybe even two!), explore the world, and meet more new and interesting people. But what the fuck do I care? I love every entertaining second of it. So I sit here typeing and listening to music on my Zune (yea I bought a god damn zune) and telling you that entertainment is basically worthless and only good for, well... keeping people entertained, but at the same time I eat all that shit up.
It's not true that all work and no play makes Jack a dull boy....what is true is that all work and no play makes Jack a depressed and violent alcoholic. So, as human beings, we do need that break, that fantasy, that escape. We do need to watch football on sundays, drink beer and eat chicken wings. But at the same time we don't need it (at least the football part). To trutly improve the human race, society, and fix our problems, we need to focus up. We can't get distracted. Imagine if people actually worked hard, all the time, to accomplish something important. Instead of just going through the motions, just so they could get it done and move on to something else, which, more often than not, is to be entertained, they put forth actual effort to what they are doing. People run home to get home to catch their sports team, their show that's on at 6, to listen to that new album, or just sit on the couch after a hard day's work. It's true, I do it all the time. I half ass things, or procrastinate just so I could be entertained by this money making vortex of an industry. I constantly go through the motions, because I just don't want to be their studying, I would rather be playing games or listening to music.
So, if you had a 100 scientists working on a cure for a disease, how long would it take to find the cure? What if you had 100 scientists who never slacked off, never went through the motions, and never got distracted; how long would that take? What if we had a 1000 scientists? There are so many people in college who fail out or drop out because they are too entertained: yes that is true. Students who don't study and live to party and slack off with movies, music, games, television eating up their time when they could be...uh....well....not failing out. I've seen it quite a few times, kids lose their scholarships and grants because of this. Not eveyone is brilliant, I get that. People have to work harder at school than others, I should know, because I'm one of them. I ain't dum but I ain't no Einstein either. If I slack off, I bomb a test. It's happened before, and will happen again. So yea, genetically, people can be smarter than their peers, but it is possible to work at it. So what if they we had 900 more scientists who got a degree instead of failing out would that help us find a cure? Looking around at the world around me, I am amazed at the high possibility of it going down the shitter, with so many people that live to be entertained. Are we really just going take a pop a squat on the recliner and just watch the world as it get's flushed down the toilet?
What do you think the real purpose of entertainment is? Is it a governemnt conspiracy, just like Lazarus (the radio guy) in Deus Ex says? Is it to make us just plain stupid and lazy so we don't get off our asses to try to change anything? Is it big business just preying on our inability as human beings to avoid the easy way out? Is it really human nature to be lazy? So, if we as humans, are natually lazy, the entertainment industry would be the ultimate in lazy. It kind of got me to think about games, about entertianment in general. Is any of this stuff really necessary? I came the conclusion that no. None of it is necessary. It's all fun and games (ha pun) and "entertianment" to take up time. Not just a few minutes, but days, weeks, and even months. I'm scared go through my game saves and add up all the hours I've logged over the past 2-3 years. I've probably played more than a month of games. I've seen people put in 15+ days into Call of Duty alone, and that's a yearly game. Is the government trying to prevent us from bettering ourselves? From being more aware of the world around us? Do they think we would be perfectly content living inside of our fantasy worlds while they take the reins and shape the world how they see fit (I'm not talking about secret world controlling organizations, but government in general). While most of the youth in america is watching the sorry excuse of television that is the Jersey Shore, are they working behind the scene's to make sure we are content and happy being oblivious and at the same time screwing us over?
The youth (and a lot of people in general) of the 60's and 70's didn't sit on their asses (of course they didnt have the array of games we have or plasma tv's etc) they were so involved in politics and the world around them. Today there are so many young adults that aren't even signed up to vote. The popularity of games, and entertainment is skyrocketing every year. What's even worse than young adults (including me), becoming affected is that kids are becoming affected. I look at kids today and wonder if I was that much of an ignorant, spoiled brat at that age. Kids trying harder than ever to emulate what they see on MTV. The power that television holds over the way the majority of today's youth acts, is pretty scary when you think about it. Even the interenet has an influence, look at Rebecca Black. A girl with no talent, pays money for a video and uploads it on Youtube..BOOM...internet sensation. She becomes famous, now every fourteen year old girl thinks they can make it big. Obsessions on boy pop starts has been around for awhile, but the level of obsession some of them have on Bieber is mind blowing. Obesity in children is one the rise, and don't give me the fast food does it garbage. You can gain weight by eating healthy and not exercising.
Looking around the world at all these countries ousting their dictators while we just hope that our government officials are good hearted souls who won't jump at the chance for bribery and screwing over the american people. NOTE: I wrote most of this blog on September 22nd, and never got to finish it, so yea the Wall Street portests really dont help support my point here :/ Yes, I am a hypocrite in this regard as well, I don't lift a damn finger to influence politics not matter how small and insignificant it may be. I just sit idlely by and watch the world burn through the news that I'm streaming through my computer... while sitting on my bed...eating pretzels.
Speaking of writing blogs, I dont know if it takes me longer to write blogs than other people or if my brain synapses are that slow, but it takes me awhile. It can eat up time, faster than Cookie Monster takes down tub of cookie dough. Facebook, Twitter, and Youtube serve almost not practical purpose, other than for me and you to be entertained (MyIGN and every other social site could also be put in that category). There is no point to them, they are all just god damn time vampires. As I am typing this, I am doing nothing else besides sitting on my ass and bitching about stuff that I don't really know anything about. I know, I'm not going to try to change. Tomorrow I will be on MyIGN, I will check my facebook, I will play my video games, I will probably watch some porn. Add it up, and that's quite a few hours down the drain. Because quite honestly it's too easy and entertaining to do absolutely positively nothing. I know that I probably will not change. I will not try to do something more with my free time to better myself or others. I know I should. I could do so much more with the time that I'm given, but I don't and I won't. Have I been conditioned to act this way after so many years growing up getting sucked into entertainment? Hours watching cartoons with no importance (god damn spongebob) or schooling other kids on my Sega, when I could have been reading or heaven forbid, be outside doing something physically productive. Every year it seems there is more and more ways to give all of your waking seconds to unimportant shit. All of the communication being done through technology, such as this. So much effort into making this technology "better" and more captivating. Such is the business of business, I get they need to sell items, but look no furher than the iphone or ipad. So much money and effort is poured into making it a tiny bit faster, smarter,....weigh less. What could that effort really go towards? Oh, and speaking of wasting time, I have class tomorrow morning, early... very early. I should be asleep, but no im writing this long, piece of shit, choppy, stream of consciousness blog that might make little sense to anyone but me.
We do need entertainment, we need fun in our lives. Even people who lived 10,000 years ago had entertianment through song and dance. So does that mean humans would still seek entertainment even if no modern day entertainment mediums existed? We cannot mentally handle working and being serious all day. Even animals play. But when is too much, too much? Just look at the amount of games that came out this year, actual big name games, it's staggering. I can't keep up with the incredible flow of new music. I could utilize all of the hours I pour into video games, music, and social media, that I could use to learn to speak another language (choppy-decently not fluently), better myself academically, get some abs for the ladies for christ's sake. Something. Because at the end of the day, those trophies don't matter, the console will break, the disc's will scratch, and that precious time spent in front of the television and computer, what is it really worth? All I know at this point, is that I can't escape it's grasp. On one end I could cleary see the benefits of leaving behind a lot of that stuff and devoting my time to other things. On the other end...its to much fun, to easy, and too accessible for me to break away. I know I never will. It probably does come down to preference on how you want to live your life, but there is not denying the potential we have if there wasn't an entertainment industry. The things we could accomplish: like today for instance how I managed to do 6 hours of nothingless.... yeah. What could I have done or learned in that time span? I guess I will never know.


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Hi, I have the below code which I believe basically says
if the div with id="sectionavailability" equals "in stock" replace with SOME HTML or if it has "out of stock" replace with SOME OTHER HTML
Works great, but only executes once on a page, the first occurance of id="sectionavailability"
if(jQuery("#sectionavailability").text().toLowerCase() === "in stock"){
jQuery("#sectionavailability").html("SOME HTML CODE HERE");
else if(jQuery("#sectionavailability").text().toLowerCase() === "out of stock"){
jQuery("#sectionavailability").html("SOME OTHER HTML CODE HERE");
The problem is, I need this to execute on a product category page which will list an array of many products and id="sectionavailability" will occur many times.
How does the above code need to be altered to have it execute more than once on a page, whenever id="sectionavailability" is found?
I know perhaps this is involved each(function() ? But I have no idea how to alter the code to include it....
Can someone help make the above if statement work more than once on a page please?
"id"s should be unique on the page.perhaps you should move the "sectionavailability" into the class attribute instead.
In addition to switching it to a class tag, as stated above
jQuery('.TheClassTag').each(function() {
if(jQuery('.TheClassTag').text().toLowerCase() === "in stock"){
jQuery('.TheClassTag').html("SOME HTML CODE HERE");
else if(jQuery('.TheClassTag').text().toLowerCase() === "out of stock"){
jQuery('.TheClassTag').html("SOME OTHER HTML CODE HERE");
Should work


text:
- Error
Tuskers shoot down the EaglesWednesday, 02 November 2011 13:44 Published in Match Report
Castle Logan Cup Day 3 in Harare: Matabeleland Tuskers 418 beat Mashonaland Eagles 52 & 138 (follow on) 138 by an innings and 228 runs.
It took less than two hours on the third morning for Matabeleland Tuskers to tumble out Mashonaland Eagles a second time to win their Logan Cup match by the huge margin of an innings and 228 runs.
Matatabeland comfortable at 338/6 on day 1Monday, 31 October 2011 06:59 Published in Match Report
Overnight Castle Logan Cup: Matabeleland Tuskers 338/6 v Mashonaland Eagles.
Paul Horton, the Australian-born Lancashire professional, scored a sound century to give Matabeleland Tuskers a fine start in their match against the Logan Cup log leaders Mashonaland Eagles. The home bowlers struggled to take wickets, but Matabeleland Tuskers should have done even better than their close-of-play score of 338 for six wickets, as their innings was a story of useful partnerships that promised to go on to something really big in good batting conditions, but never did.
On a hot sunny day Matabeleland Tuskers were doubtless delighted to win the toss and be able to bat first on a rather slow pitch that gave very little help to the bowlers. Horton was in good form from the start, playing in his quiet, efficient way by working the ball through the field and keeping the runs ticking over, while not neglecting the boundaries off the bad balls. He has the ability to score all round the wicket off all types of bowling and the runs flowed steadily. He does not always pull securely, though, and when he had 24 he was lucky that a top edge fell into vacant territory behind the wicketkeeper.
His opening partner, Terry Duffin, was less comfortable, and had an escape when he had 7, mistiming a cut but seeing the fielder at backward point fail to hold on to the chance. He was unable to make much use of his escape, though, as he sliced another attempted cut off a ball from Innocent Chinyoka and was well caught high at second slip. He had scored 18 of an opening partnership of 80 with Horton.
Horton reached his fifty off 88 balls just before lunch, the score being 109 for one at the interval. His new partner was the captain, Gavin Ewing, who made a brisk 28 before being caught at the wicket off Douglas Hondo. Craig Ervine came in and batted solidly, while the bowlers toiled in the hot sun; both sides were weakened by the loss of their national players, and the Mashonaland Eagles attack, without Raymond Price, Kyle Jarvis and Elton Chigumbura, were unable to do more than toil steadily on the unhelpful pitch. Horton enjoyed another reprieve on 87, again off a pull, when a skier was misjudged by the fielder running in from long leg. He reached his 13th first-class career century just before tea, off 170 balls, a feat that was acknowledged only at 101 as the scoreboard was a run behind.
Matabeleland Tuskers were 207 for two at tea, but after the break Horton, without adding to his 104, walked into a straight ball from Nathan Waller and was dismissed lbw. It was a fine professional innings, scored off 188 balls and containing 12 fours. Keith Dabengwa began his innings with a flurry, but then lost Ervine, who aimed a loose cut at a ball from Waller and was caught at the wicket for 60. The score was 249 for four, and Matabeleland Tuskers were in need of a big stand to build on Horton's excellent foundation.
Adam Wheater came in next and immediately went for his strokes. In just over half an hour he scored 29 off 26 balls, including six fours. It was perhaps too good to last, though, and he tried to hook a ball from Chinyoka that bounced too high for him and top-edged a catch to the keeper; 282 for five after a partnership of 33 with Dabengwa. Steve Trenchard played some good strokes in his 22 before being caught unusually off the back of his bat as he tried to leave a ball from Tatenda Gumunyu-Manatsa; this partnership was worth 50.
Dabengwa was still there with 47 at the close, partnered by Tafadzwa Ngulube. Matabeleland Tuskers have a long batting line-up and they should have a total of at least 500 in their sights – but to reach this would require the determination to turn useful partnerships into major ones.
Zimbabwe Test Squad AnnouncedMonday, 31 October 2011 08:29 Published in Press Release
The national selectors have announced the squad for the one-off Castle Test Match against New Zealand at Queens Sports Club in Bulawayo, starting from Tuesday the 1st of November, 2011.
Ryder Ruled outMonday, 31 October 2011 07:34 Published in News
No replacement has been named for the New Zealand Test squad after New Zealand Cricket announced Jesse Ryder's injury –which rules him out of the rest of the Zimbabwe tour. New Zealand has already won the Econet twenty20 and won the Castle ODI challenge 2-1 in Harare, the team drew against Zimbabwe 'A' in a two-day warm up match at the BAC in Bulawayo. They are due to play Zimbabwe in a one-off Test match at Queens Sports Club starting on the 1st of November; unfortunately the touring sides will have to make to with the already existing players in camp.
Ryder suffered an injury on his right calf while bowling in the warm-up match against Zimbabwe 'A' in Bulawayo. He delivered three balls before feeling discomfort with an ultra-scan earlier on Sunday confirming a calf strain. The is the second major blow hitting the tourists, who last played an international fixture at the ICC Cricket World Cup 2011 five months prior to the Zimbabwe tour. Sensational quick bowler Tim Southee had to miss the entire tour of Zimbabwe, after failing to recover from a knee cartilage injury –fortunately for the Black Caps –Southee was replaced by fellow Northern Districts swing bowler Graeme Aldridge who had already arrived in Zimbabwe as part of the limited-overs team.
The team manager, Mike Sandle, expressed that the injury was treated with the utmost solemnity and they could not risk serious damage on Ryder's calf and that he will , hopefully, be fit for their scheduled series against Australia.
"Initially we were hopeful the injury wasn't too serious but unfortunately the scan showed damage to Jesse's calf and he will miss the Test match. He will return to New Zealand to undergo further assessment and a period of rehabilitation"
"Although he isn't available for our next match the medical team are confident he will be fit for and available for selection for December's Test series in Australia," said Sandle in Bulawayo
The BLACKCAPS one-off Test match against Zimbabwe starts Tuesday 1 November, 1000hrs Zimbabwean time.
Tests squad:
Ross Taylor (c) ;Graeme Aldridge; Doug Bracewell; Dean Brownlie; Martin Guptill; Chris Martin; Brendon McCullum; Andy McKay; Jeetan Patel; Daniel Vettori; Kane Williamson; BJ Watling and Reece Young


text:
Inspections, Compliance, Enforcement, and Criminal Investigations
Kimberly-Clark Corporation 8/8/12
Department of Health and Human Services
|Public Health Service
Food and Drug Administration
|Atlanta District Office
60 Eighth Street N.E.
Atlanta, GA 30309
Telephone: 404-253-1161
August 08, 2012
Mr. Thomas J. Falk
Chief Executive Officer
Kimberly-Clark Corporation
351 Phelps Drive
Irving, TX 75038
Dear Mr. Falk:
During an inspection of your firm located in Roswell, Georgia, on March 20, 2012, through March 28, 2012, an investigator from the United States Food and Drug Administration (FDA) determined that your firm manufactures surgical gowns, patient warming systems, and feeding kits. Under section 201(h) of the Federal Food, Drug, and Cosmetic Act (the Act), 21 U.S.C. § 321(h), these products are devices because they are intended for use in the diagnosis of disease or other conditions or in the cure, mitigation, treatment, or prevention of disease, or to affect the structure or any function of the body.
We received responses from you dated March 22, 2012, and April 13, 2012, concerning our investigator's observation noted on the Form FDA 483 (FDA 483), List of Inspectional Observations, that was issued to your firm. We address these responses below, in relation to the noted violation. The violation includes, but is not limited to, the following:
Our inspection revealed that your firm's devices are misbranded under section 502(t)(2) of the Act, 21 U.S.C. § 352(t)(2), in that your firm failed or refused to furnish material or information respecting the device that is required by or under section 519 of the Act, 21 U.S.C. § 360i, and 21 CFR Part 806 – Medical Devices; Reports of Corrections and Removals. Significant violations include, but are not limited to, the following:
Failure to submit a written report to the FDA of correction or removal of a device initiated by the manufacturer to reduce a risk to health posed by the device, as required by 21 CFR806.10 (a)(1). For example:
1. Your firm initiated a recall on September 17, 2009, which reported that 21 lots of the MicroCool Breathable Impervious Surgical Gown were abrading in various locations on the surface of the gown during surgery.
2. Your firm initiated a recall on November 13, 2009, which reported that 24 lots of the MicroCool Breathable Impervious Surgical Gown were abrading in various locations on the surface of the gown during surgery.
3. Your firm initiated a recall on December 31, 2010, which reported that the Ultra Fabric Surgical Gowns that were rejected due to loose fibers, and were being used to validate a sterilization packaging validation study, were inadvertently sent to Kimberly Clark Distribution Centers and customers.
4. Your firm initiated a recall on September 16, 2010, which reported that all serial numbers of the Patient Warming System Model 1000 Control Unit were giving an Error 85 Alarm, causing the machine to shut down during use.
5. Your firm initiated a recall on June 22, 2010, which reported that one lot of the MIC Safety PEG Kit (pull type) included a placement guidewire diameter that was too large to pass through the Introducer Needle during the placement procedure of the PEG feeding tube. For two lots, the placement guidewire diameter was smaller than specified.
CDRH determined that the five items listed above should have been reported to the FDA, because the corrections or removals were intended to reduce a risk to health as defined in 21 CFR 806.2(i)(2).
Your firm's responses to this observation appear to be adequate. Specifically, your firm submitted reports dated March 22, 2012, to FDA for each item described above which contained information required by 21 CFR 806.20. Your firm's April 13, 2012, response explains recent changes to Device Corrections and Removals Procedure (GL-SOP00077) which dictate that all field corrections will be reported to FDA, and the FDA classification will be compared to the firm's determination.
Your firm should take prompt action to correct the violations addressed in this letter. Failure to promptly correct these violations may result in regulatory action being initiated by the FDA without further notice. These actions include, but are not limited to, seizure, injunction, and civil money penalties. Also, federal agencies may be advised of the issuance of Warning Letters about devices so that they may take this information into account when considering the award of contracts.
Please notify our office in writing within fifteen business days from the date you receive this letter of the specific steps your firm has taken to correct the noted violations, as well as an explanation of how your firm plans to prevent these violations, or similar violations, from occurring again. Include documentation of the corrections and/or corrective actions (including any systemic corrective actions) that your firm has taken. If your firm's planned corrections and/or corrective actions will occur over time, please include a timetable for implementation of those activities. If corrections and/or corrective actions cannot be completed within fifteen business days, state the reason for the delay and the time within which these activities will be completed. Your firm's response should be comprehensive and address all violations included in this Warning Letter.
Your firm's response should be sent to: Atlanta District Office, 60 Eighth Street NE, Atlanta, Georgia, 30309. Please refer to the Unique Identification Number (CMS case # 305878) when replying. If you have any questions about the contents of this letter, please contact: Derek Price by phone at (404) 253-2277 or by fax at (404) 253-1205.
Finally, you should know that this letter is not intended to be an all-inclusive list of the violations at your firm's facility. It is your firm's responsibility to ensure compliance with applicable laws and regulations administered by FDA. The specific violations noted in this letter and in the Inspectional Observations, FDA 483, issued at the close of the inspection may be symptomatic of serious problems in your firm's manufacturing and quality management systems. Your firm should investigate and determine the causes of the violations, and take prompt actions to correct the violations and bring the products into compliance
John R. Gridley
District Director
Atlanta District Office
Enclosure: FDA 483, dated 03/28/12
Cc: Thomas Gonzalez, Vice President
Kimberly-Clark Corporation
1400 Holcomb Bridge Road
Roswell, Ga 30076


text:
Grade • B+
DVD • It will take two more movies in Peter Jackson's prequel trilogy to know if "The Hobbit: An Unexpected Journey" is a masterpiece or Jackson's version of "The Phantom Menace." The betting seems to be toward the former, as Jackson retains his gifts for filling his vision of J.R.R. Tolkien's Middle-Earth with an insane amount of detail that makes the mythical place feel as real as your backyard.
He also expands on Tolkien's original book, with plenty of background information on the dwarves who enlist poor Bilbo Baggins (Martin Freeman) on their epic quest.
There are a variety of extras available, depending on the edition but even just the movie straight is enough to whet one's appetite until part 2, "The Desolation of Smaug," hits theaters Dec. 13.
Jonesing for more PopTop reviews?
For an archive of more CD, video and game reviews, visit www.sltrib.com/topics/poptop.


text:
Jessica Biel & Hilary Swank Glam Up Tiffany & Company Flagship Opening in Paris
They say diamonds are a girl's best friend so it's no wonder Jessica Biel and Hilary Swank flocked to the launch of the Tiffany & Company flagship store in Paris, France on Tuesday (June 10).
The "Illusionist" actress opted for a strapless beige frock teamed with beige pointed-toe heels and a white clutch while posing for photos on the Champs Elysee.
Meanwhile, Ms. Swank stuck to the sassy standard little black dress, punctuated by her ravishing red nail polish.
Of the big event, Tiffany & Company executive vice president Frederic Cumenal declared, "While we have been successful in operating three smaller stores in Paris, establishing this store on the Champs Elysées will be the ultimate symbol of Tiffany as a truly global luxury brand."
"This is a preeminent location that firmly places Tiffany & Co. on an international stage, in the heart of a city where people from all over the world come to visit and shop."


text:
Volume 20 - Article 12 | Pages 253-278
The National Immigrant Survey of Spain. A new data source for migration studies in Europe
|Date received:
|31 Aug 2008
|Date published:
|17 Mar 2009
|Word count:
|immigrant survey, international migration, migrant strategies, migration data set, migration studies, migratory networks, Spain
Spain has recently become the destination for large numbers of international migrants and now ranks as a key focal point for international migration in Europe. Currently, approximately one in ten residents in Spain are foreigners, up more than tenfold from figures holding at the outset of this century. Migration has now become a major social and political issue in the country. In order to provide reliable data about migrants in Spain for researchers and policy makers, acting on a proposal of a research team working within the context of the Population and Society Research Network (GEPS), the Spanish Statistical Office has recently carried out an extremely ambitious survey of foreign-born persons currently living in Spain. In the course of the survey, nearly 15,500 persons were interviewed regarding a large array of issues pertaining to their migration experience. Important documentation, including the project report, the methodological specifications of the survey, and the anonymized micro data have recently been made available to the scientific community and to policy makers at the website of the Instituto Nacional de Estadística. The purpose of this paper is to describe this data source, its content, its methodological underpinnings, and the way the fieldwork and data cleaning were carried out. Examples of preliminary results will be presented so as to underscore the potential this survey affords for researchers everywhere.
Author's Affiliation
David Reher - Universidad Complutense de Madrid, Spain
Miguel Requena - Universidad Nacional de Educación a Distancia (UNED), Spain
Other articles by the same author/authors in Demographic Research
Mortality decline and reproductive change during the Dutch demographic transition: Revisiting a traditional debate with new data
Volume 27 - Article 11
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Cited References: 10
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text:
"Can this mattress be used on a regular box spring? Really need a new mattress for my pains, back, hips, knees surgery on all but hips so far. Trying to decide if this is the one. Thx any direction would be awesome."
I had this bed for over a year and love it!!!, no complaints.......
Slumber Solutions Gel Memory Foam 12-inch Queen-size Mattressby Slumber Solutions
ITEM#: 14505134You never thought your sleep nirvana would be so practical, sensible, and affordable. Slumber Solutions' memory foam mattress is nothing supernatural, but your sleep quality and next-day vibrancy will feel differently. This 12-inch queen-size mattress gives you a respite from achy, tender pressure points associated with your traditional mattress. Gel infusion helps keep you cool while 3 layers of synergetic foam adapt to every contour. A perfect balance between ergonomic support and plush comfort. You'll wonder what took you so long to try it out for yourself.
- Originally designed for NASA, this space-age foam cradles your body, reducing pressure points that cause tossing and turning
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- The cover uses a combination of a knit floral jacquard top fabric featuring a waterfall edge and cording, faux suede side panel, and non-slip bottom
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- Sleep-one-side design never needs turning
- An ideal sleep surface, memory foam eliminates uncomfortable pressure points and motion transfer
- Can be used with any conventional box spring or platform foundation
- Dimensions: 59 inches wide x 79.5 inches long
- This mattress meets all the requirements of the federally mandated regulations regulated by the Consumer Products Safety Commission, Part 16, CFR 1632 and 1633
- Meets all flammability standards
- Spot clean
Memory Foam Tips:
- Remove from packaging within 72 hours of receipt to maximize memory foam expansion.
- This product arrives very tightly packed. Unwrap and allow 48 hours for this product to return to its original shape.
- Being sealed in plastic packaging sometimes traps odors. After unwrapping, allow product to air for a few hours.
- Due to machine-cutting manufacturing processes, there may be slight variances in the dimensions of this product.
Due to the nature of Memory Foam the firmness level of every item is unique. Please be advised that even similar products may produce different firmness results.
Once opened this product is non-returnable.
|Mattress Type
|Gel Memory Foam, Memory Foam
|12 Inch
|Memory Foam Type
|Foam, Gel Memory Foam, Memory Foam
|4 Pound
|Mattress Top
|Product Features
|Bed in a Box
|Recommended Foundation Type
|Bed Slats, Box Spring, Platform
|Set Includes
|1 Piece
|79.5 x 59 x 12
|20 year Limited Manufacturer
|Model Number
|Country of Origin
|United States
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Customer Reviews
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Leave it where it lay
Maybe it's just that this is a Memory foam mattress, but iT. IS. AWFUL. Awful I say. The 4 pound core clearly isn't as firm as I thought t should be. . I figured medium firm would support my body weight well across the surface of the bed. (I'm 195lbs) Instead I sank in and felt like I was stuck in a hole. I almost sank in all twelve inches by putting a knee on the mattress. That single pressure point nearly compressed the entire mattress completely. Maybe I just don't like memory foam mattresses...no not maybe. I don't like them at all.Read More
love my bed....
I had this bed for over a year and love it!!!, no complaints....Read More
The mattress is great for about a month and then begins to sag severely. It sucks you into the middle and then is very uncomfortable. The warranty is basically useless because you have to spend hundreds to ship it back without a guarantee of coverage. SAVE YOUR MONEYRead More
I love this mattress
One of the best purchases I've ever made - years later I'm still so glad I made the switch from box spring to memory foam. This mattress especially is the best value on the market I could find.Read More
Short term quality
I loved this mattress when I first got it. I started noticing about 2 1/2 years in that it pulls me into the middle especially when my boyfriend is in bed. This is killing my back. But because it is not 3 inches difference yet the warranty isn't valid. I can't wait another 1.25" for the warranty to kick in. The mattress should last longer than 3 years! So as much as I loved this matress in the begining I would not purchase it again.Read More
Most Helpful
No breaking in, comfortable from the first night.
The product I saw online and read about and finally ordered was delivered in a timely manner. I was kept up to date the whole way by e-mails from overstock.com including a final one to confirm that the item had been delivered. The product itself (a 12 inch Memory Gel Mattress) was just as described online. I installed it per the enclosed instructions and enjoyed the advantages of this new type of mattress right away. The very first night I slept better than on my old mattress, no taking a week or more to get used to something different and there were no lines to fall into where buttons had been sown or the feeling of harder places where springs are. I have now been using the mattress for over a month and am completely happy with my choice, I am diabled and my sore spots no longer get worse do to the way I lay on my mattress but I feel very comfortable and the support is amazing without taking away from the soft top, my next step is to get Memory Gel Pillows.Read More
I love this Bed!
I love this Mattress! I had a 10 inch memory foam Mattress in the past when I lived in LA. I hated how hot it slept but loved the comfort factor. No matter what the temperature of the room the mattress was an oven. I think it is so important to note whether each buyer is new to Memory Foam or have had it in the past. People think the cooling-gel means its going to make you sleep cooler than average and that is untrue. For anyone who knows memory foam they know it sleeps hot and adding the cooling-gel brings memory foam back to a normal sleeping temperature. It's comfortable and just right when it comes to firmness. I love this mattress.Read More
I can't get enought of it!!
As most of us are I was very skeptical about buying a mattress online. I did alot of research and from the reviews on this mattress I decided to buy. Shipping was fast and I recieved it in a black bag similar to a sleeping bag cover. I'm assuming it was bagged and shipped within days because it only took 8hrs(with me and my wife sleeping on it) to reach 12". I slept on spring mattresses my whole life so it took me a few nights to adjust to the memory foam. I gotta say, we LOVE it!! It's a medium firmness which is the recommended by doctors for back pain. The only thing i could complain about is the "factory" like smell it gives off which took 3-4 days to fade away. Kinda like a freshly painted house....all in all this is a great product for an AMAZING price! Don't hesitate, sleep better quickly and order.Read More
This mattress is great!
I bought this to replace an innerspring mattress that had started sagging, and I can honestly say, it was the smartest thing I've done in a long time. No more backaches! I It's really soft but at the same time gives very good support. I kept my original box spring and placed this on top of it. After letting it air out for 24 hours, I put a heated mattress pad on it and topped it with a waterproof mattress pad. A coworker has a memory foam mattress and she told me that if you get it wet, it makes the foam clump up, so I figured better safe than sorry. I've had this mattress for several weeks now and I don't know who likes it the most, me or my cat. The only difference between the one I got and the picture is mine has white sides and top. Excellent service by Overstock.com and by UPS, which delivered it. Arrived when it was supposed to and was left outside my door.Read More
This mattress is AWESOME!!!
I absolutely LOVE this mattress. I've never slept better! I used to get backaches every night and also too warm on the conventional mattresses I've had in the past. My body temperature seems to stay consistent throughout the night so the gel must really help with that. My daughter tried it out and I ended up buying her the same mattress. When I was in the market for purchasing a new mattress I talked to several of my friends and many raved about the Tempurpedic brand, which they paid anywhere from $XXXX to $XXXX for. I didn't want to spend that much so started shopping online. This mattress compares to Tempurpedic for 1/3 the price! It also has a very nice cover on it. Shipping was fast and I had it on my frame the next day. I did not notice any smell from the foam. I seriously would recommend this mattress to anyone!Read More
Questions & Answers
Hello hotsalsa64, this item can be used on a box spring. Thank you for shopping with us.
"Why did you choose this product?"
needed a new bed
I want a good mattress with my bed, but I can't locate the guarantee that supposed to come with it.
Perfect size for my Sonora bed
I accidentally ordered the wrong thickness the first time.
"On the product details, it says this mattress is made in the USA, but in this Product Q&A section, it says made in China. Which is it?"
Hello mattressbuyer123, thank you for your inquiry. Unfortunately, the information you have requested is currently unavailable. We will continue to try and answer this for you. You will receive an email notification once an answer is posted. Have a great day.
"Can you please post the website link for the manufacture or their contact info, its been about 7 months and our mattress has lost its firmness, we would like to contact someone about this considering it has a 20 yr warranty. I have not been able to find this information online. Thank you."
Hello apa0024, Please contact our Customer Care at 1-800-The-BIG-O (843-2446) for all warranty claims. Thank you for shopping with us.
"Where do I find information on what the warranty includes? I purchased this mattress April 2012 and it has not held up very well- there are indentations in both sides from where we sleep, which has never occurred on any other foam mattress I've slept on. It never returns to its density, even after not being in bed all day. It's still squishy when I lie down at night."
Hello kayte726, this product includes a 20 year Limited Manufacturer warranty. Please contact our Customer Care at 1-800-The-BIG-O (843-2446) for all warranty claims. Thank you for shopping with us!
"What is the indentation load deflection units (IDL)?"
Hello pemoe1, The top 3 inches is 12 ild and the bottom is 20. Have a great day!
"where is this mattress manufactured?"
Hello bella123456789, we appreciate your inquiry. This mattress was manufactured in China. We hope you have found this information helpful. Thank you for shopping with us. Have great day!
"Can I use this mattress with an adjustable foundation?"
Can be used with any conventional box spring or platform foundation. Thank you in assisting with our product.
"would you call this mattress firm, medium or soft? I am looking for soft/medium."
Thank you for your question. The firmness of this mattress is medium, because the density is 4 pounds. If you want something a little firmer, go with a 5- or 6-pound density mattress. If you like your bed a little softer, go with the 3-pound memory foam.
I would call it between medium to firm. When you sit on it it does smush down, it's not like sleeping on a board. I love it, I think it has the perfect amount of support.
"I can't seem to find where this product is made! Can anyone help me???"
Thank you for your interest. We apologize, but where the product is made is usually not posted on the item page unless it was made in the USA. This item was made in China. Please feel free to contact us again with any further questions.
"What size and weight is the box that the mattress is shipped in?"
Thank you for your question. The ship weight is 73 pounds ad the box dimensions are 22 inches high x 22 inches wide x 65 inches long.
"Does this product come with a warranty?"
It comes with a 20 year Limited Manufacturer Warranty.
"Does this require a box spring; if so, just a regular box spring? If not, does it just rest on any bed frame or does it have to be a platform bed? Is one way or the other recommended for best comfort?"
I have a similar mattress....you can use a regular box spring or a platform bed.
You need a box spring with a bed frame. A platform bed is fine. Bed frame and box spring would provide the most comfort.
I use mine with a regular box spring
"what is the density of each layer? esp. the base layer?"
This is 3.5LB density.
Shopping Tips & Inspiration
3 Ways to Extend the Life of Your Mattress
On average, the life of a mattress lasts seven to ten years if it's properly cared for, so I'm taking measures to keep my mattress in great condition. Whether you just bought your mattress or your current one needs some extra love, here are my top three tips for extending the life of your mattress.
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How to Select a Mattress Set
How to Select a Mattress Set from Overstock.com. People spend anywhere between six to nine hours each day in their beds, making it one of the most used pieces of furniture in any home.
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Payday Loans Online
In this present age of job instabilities and unstable economies, acute short term financial crunch situations could be common. More and more people who have found themselves in situations such as these; have readily resorted to payday loans online. Payday lenders of repute function through their online operative platforms. The process of applying payday loans online is a ridiculously simple one. Although the interest rates are on the higher side, these loans have managed to find plenty of takers.
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More so, most providers for payday loans online adhere to a fax less process these days. You do not need to fax across relevant documents for approval. The approval does not take into account your credit status or cash balance in the bank. Therefore, you can even apply for payday loans online, in the event of bankruptcy. Portals like Serve U Cash have high tech digital encryption technologies for data protection. Therefore, when apply for cash advances through these armed portals, your identity as well as personal data, are kept totally confidential.
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Choosing to opt for payday loans through online platforms is indeed a bright idea. However, a lot depends on the kind of lender you choose. Most importantly, you as a borrower need to be focused on your repayment schedule and steer clear of defaulting.


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The Atlanta Braves got a lot of help from Justin Upton on the way to the best record in the National League in April, and he was recognized for it by being named the NL Player of the of Month.
Upton, acquired in January via a trade with the Arizona Diamondbacks, hit a club record and big leagues-leading 12 homers in April to go along with a .298 average and 19 RBIs.
Andres Galarraga and Ryan Klesko previously owned the Braves record for homer in April with 10.
Upton had 17 homers last season in 150 games while battling through a thumb injury. He became the first player in Major League history to hit five homers in his first five games with a new team.Tags: Atlanta, Atlanta Braves, Baseball, Justin Upton, MLB


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Mon Jan 14, 2013, 07:28 PM
rurallib (44,615 posts)
OMG Rev. Al is just eviscerating this gun guy
How dare he say MLK approved of guns?
Go Al, GO!
5 replies, 1011 views
Always highlight: 10 newest replies | Replies posted after I mark a forum
Replies to this discussion thread
|5 replies
OMG Rev. Al is just eviscerating this gun guy (Original post)
|Jan 2013
|Jan 2013
|Jan 2013
|Jan 2013
|Jan 2013
|Jan 2013
Response to rurallib (Original post)
Mon Jan 14, 2013, 07:50 PM
irisblue (9,271 posts)
1. Rev Al was good! nt
Response to rurallib (Original post)
Mon Jan 14, 2013, 08:25 PM
hack89 (36,292 posts)
2. MLK and his guns
Most people think King would be the last person to own a gun. Yet in the mid-1950s, as the civil rights movement heated up, King kept firearms for self-protection. In fact, he even applied for a permit to carry a concealed weapon.
A recipient of constant death threats, King had armed supporters take turns guarding his home and family. He had good reason to fear that the Klan in Alabama was targeting him for assassination.
William Worthy, a journalist who covered the Southern Christian Leadership Conference, reported that once, during a visit to King's parsonage, he went to sit down on an armchair in the living room and, to his surprise, almost sat on a loaded gun. Glenn Smiley, an adviser to King, described King's home as "an arsenal."
As I found researching my new book, Gunfight, in 1956, after King's house was bombed, King applied for a concealed carry permit in Alabama. The local police had discretion to determine who was a suitable person to carry firearms. King, a clergyman whose life was threatened daily, surely met the requirements of the law, but he was rejected nevertheless. At the time, the police used any wiggle room in the law to discriminate against African Americans
Eventually, King gave up any hope of armed self-defense and embraced nonviolence more completely.
It is not a simple issue - it appears that regardless of his personal feelings about violence, he also appreciated the need for self protection. Eventually he did fully embrace nonviolence.
Response to hack89 (Reply #2)
Mon Jan 14, 2013, 09:33 PM
rurallib (44,615 posts)
4. that was addressed in the segment
with Rev. Al noting strongly that King did go strongly totally non- violent.
Not like it would have helped him anyway.
Response to rurallib (Reply #4)
Tue Jan 15, 2013, 01:14 AM
Kennah (8,489 posts)
5. The two issues are perfectly compatible
One can support self defense, up to and including use of deadly force, and also support peaceful, non-violent, non-cooperation.
Dr. King did NOT combine guns and protest.
Response to rurallib (Original post)
Mon Jan 14, 2013, 08:28 PM
one_voice (20,043 posts)
3. He was great..
Dinner was on the table, but me, hubby and son all stopped to go in and watch. He did a great job! That was the topic of conversation at dinner.


text:
Three favorite books from recent years possess that magic in copious amounts.
With all the right tools in place—information, access and choice—style supposedly became something anyone could possess this year.
And while they may possess mandates, they do not have a free hand.
While Israelis can never rest easy, they know they possess overall conventional force superiority, not to mention nuclear weapons.
He has been humbled and now exhibits an empathy for the fallen he did not possess previously.
But we also possess capacities other than these for assimilating and using a language.
We possess no biographical details with regard to Verrazzano.
A handy volume which every practical young engineer should possess.
We possess his relics and they are enclosed in the shrine under the high altar.
You possess, let us say, a little knowledge of Italian, without tears.
late 14c., "to hold, occupy, reside in" (without regard to ownership), a back formation from possession and in part from Old French possesser "to have and hold, take, be in possession of" (mid-13c.), from Latin possess-, past participle stem of possidere "to have and hold, possess, be master of, own," from posse "to be able," from potis "able, powerful" (see potent) + esse "to be" (see be). Meaning "to hold as property" is recorded from c.1500. Demonic sense is recorded from 1530s (implied in possessed). Related: Possessed; possessing.


text:
photo courtesy of Jackie Zito
Harrisonburg City School Strings Program
Come hear 16/17 participants at our All-City String Festival performance on May 11 at 6:30pm at Harrisonburg High School Auditorium!
Register now for fall violin classes by clicking on a link below!
- Skyline and Thomas Harrison: English and Spanish
- Keister, Smithland, Stone Spring and Waterman: English and Spanish
- Spotswood: English and Spanish
Harrisonburg City Schools, in partnership with Eastern Mennonite University's Preparatory Music School, is offering strings classes for students in grades 3-8! Students may study violin and they will be learning a variety of music, including fun fiddle tunes, holiday songs and classical pieces.
Register for 2016-17 classes by September 9th! Space is limited so register early!
A required orientation meeting for 3rd and 4th graders will be held in September. The time and location will be announced soon.
Map of EMU Campus
Search for "Lehman Auditorium"
Instrument Information
The program provides instruments for free-lunch students (no additional charge) and reduced lunch students ($20/year).
Students who do not qualify for free or reduced lunch must provide their own instrument. Information will be provided at the Orientation meeting. One option is to rent through Tiller Strings, a local company, for $25 per month. Tiller Strings will be at the Orientation meeting. Parents may also purchase an instrument, but please wait until your child is sized at the Orientation meeting.
Please contact 540-432-4277 for more information.


text:
Home Policy Priorities ICI Comment Letters
- Fund Regulation
- Retirement Security
- Trading & Markets
- Fund Governance
- Taxes
- ICI Comment Letters
May 14, 1999
Mr. Eric Fredell
Task Force on Electronic Commerce
International Trade Administration
Department of Commerce
14th and Constitution Avenue, NW
Washington, DC 20230
Re: Comments on International Safe Harbor Privacy Principles
Dear Eric:
The Investment Company Institute1 appreciates the opportunity to provide comments on the international safe harbor privacy principles and the draft "frequently asked questions" made public by the Department of Commerce recently. The safe harbor has the potential to afford significant benefits to many US companies that transfer personal data from the EU to the US and face the possibility of a data blockage under the EU's Data Protection Directive. We appreciate the efforts of the Department of Commerce to develop clear and predictable guidance for US firms.
We believe that the value of the safe harbor for the US investment company industry largely will depend on three things: first, whether specific regulations with respect to privacy adopted by our traditional regulators are given appropriate deference; second, whether the transition period for compliance with the safe harbor is long enough to allow regulators to act and companies to respond; and third, whether the safe harbor principles of choice and onward transfer clearly and unambiguously permit a mutual fund organization to use and transfer data for purposes that are not incompatible with the relationship between the fund and its shareholders. This letter focuses on each of these, then provides some specific comments on the safe harbor principles and FAQs.
Specific privacy regulations adopted by securities regulators must be given appropriate deference.
As you know, investment companies and investment advisers are principally regulated by the Securities and Exchange Commission (SEC). Broker-dealers that sell fund shares are principally regulated by the National Association of Securities Dealers (NASD). These regulators understand the structure and organization of mutual fund organizations and, as a result, are in the best position to craft rules that would appropriately regulate the protection of individual privacy in the industry.2 Should one of these regulators promulgate a rule specifically relating to privacy, firms that are subject to and in compliance with it should qualify for the safe harbor, regardless of whether the rule precisely mirrors the safe harbor principles.
For example, the NASD has proposed a rule specifically dealing with the confidentiality of broker-dealer customer data used for marketing purposes.3 In comments on the proposed rule, the Institute argued that the NASD should require disclosure, rather than an opt out procedure, for certain types of information-sharing within an investment company complex. This would take into account the unique structure of the industry and recognize the fact that investors who purchase shares of a mutual fund are entering into a relationship with the entire fund family. Should the NASD agree with the Institute on this issue, we believe that there should be a presumption that firms complying with the rule adequately and effectively protect their customer data.
Deference to securities regulators is all the more appropriate given their important enforcement role. The NASD and SEC will actively monitor compliance with any privacy rules they impose and will take enforcement action or make revisions to the rules as appropriate to deal with any problems that arise. The benefits to consumers of active NASD and SEC involvement in enforcing privacy rules for the benefit of customers should more than outweigh any possible dimunition of data protection through deference to their rules. Moreover, deference is necessary in order to avoid having the industry bear the wholly unnecessary expense of complying with duplicative, substantially similar, privacy regulations.
We strongly believe that the safe harbor principles should clearly state that if an organization is subject to a US statutory or regulatory provision that specifically addresses privacy, it would qualify for the safe harbor even if that statutory or regulatory provision does not precisely match up in certain respects with the specific elements contained in the principles. 4 This could be accomplished by either deleting the word "effectively" in the first sentence of the fourth paragraph of the preamble5 or replacing it with a word that connotes deference, such as "specifically."
The transition period must be long enough to allow US firms to come into compliance with the safe harbor.
The transition period must be long enough to accommodate regulatory and systems changes. The NASD rule proposal underscores the need for a long transition period. It is imperative that the transition period be long enough to allow the NASD to complete its rulemaking process and for companies to respond. We believe that, at a minimum, the transition period should be eighteen months long.6 That should allow sufficient time for the proposed NASD rule to be acted upon and for companies subject to that rule to come into compliance with it.
Eighteen months would also allow companies to make the systems changes that inevitably will be required to comply with the terms of the safe harbor or any NASD rule. Many investment companies and investment advisers have imposed Y2K systems upgrade moratoriums that will make it impossible to begin to make those changes until the second quarter of 2000. Thus, it seems unlikely that companies would be able to complete necessary systems changes with respect to new privacy regulations before the end of 2000 at the earliest.
In the event that neither the NASD nor the SEC acts with respect to privacy, we understand that investment companies and investment advisers individually would have to self-certify compliance with the safe harbor principles. To do so, companies will need an appropriate period of time to come into compliance with the principles.
The principles of notice, choice and onward transfer must allow for uses of information that are not incompatible with the relationship between an investment company and its shareholders.
The safe harbor should allow for uses of information that are not incompatible with the use for which the information was collected and that are consistent with the expectations of investment company shareholders based upon proper notice. In our comments on the earlier safe harbor draft, the Institute argued that, for example, a broker that collects information in order to enter into a brokerage relationship with a customer should, by providing appropriate notice, be able to use that information to offer the customer the full range of products and services that might be suitable for that customer.7 In our view, using the information in that manner would be related to and compatible with the brokerage relationship – the use for which the information was originally disclosed.
We believe that the language in the current draft, and in particular, the use of the word "compatible", represents an improvement in this area. We believe it is critical that the principles of notice, choice and onward transfer in the safe harbor be interpreted to permit companies to efficiently provide customers with the service and the products that they have come to expect. For example, many integrated financial services firms offer account statements that cover banking, insurance, securities, and asset management balances in a unified way. Consumers consider this to be a significant positive development. In order to create these statements, and other similar value-added customer service benefits, personal information such as account balances must flow among the affiliated companies offering the various financial products. The restrictions on choice and onward transfer should not hinder firms from using information in these and other ways that are compatible with the use for which it was collected. The text of the safe harbor must make this clear.
Other specific comments on the safe harbor principles and FAQs.
Relative Weight of FAQs and Principles. In his cover letter, Ambassador Aaron specifically asks for comment on the weight to give the FAQs relative to the principles. The Institute believes that the FAQs should be given significant weight. The relationship between the FAQs and the principles should be similar to that between statutory provisions and regulations that expand upon them. In other words, the FAQs should have the same force of law that the principles enjoy.
Access. The Institute strongly supports inclusion of the bracketed language in the principle and the FAQ on access, and the idea that consumers' rights of access should be tempered by reasonableness.8 It is not enough, in our opinion, to explain this point in a FAQ. It should be clear from reading the principle and the FAQs on access that companies may consider "the nature and sensitivity of the information collected, its intended uses, and the expense and difficulty of providing the individual with access to the information." To reinforce this point, we suggest adding the words "but not absolute" to the end of the first sentence of the first FAQ on access, so that the sentence would read: "Under the safe harbor principles, the right of access is fundamental to privacy protection, but not absolute."
The Institute also supports the notion, expressed in FAQs 1 and 2 to the access principle, that companies may deny access to the extent it would reveal confidential commercial information. Companies should not have to release information that is proprietary. The use of the term "confidential commercial information" is readily understood by US companies and their counsel, given its use in the Federal Rules of Civil Procedure. The use of the alternative term "trade secrets" and its definition in the Economic Espionage Secrets Act, as suggested by the EU, is too narrow for these purposes. Moreover, that term would be inappropriate given that it is intended for use in a criminal statute.
Self-Certification. The Institute strongly supports the concept of self-certification. However, the detailed reporting obligations outlined in the FAQ on self-certification are burdensome and unnecessary. For example, if a company self-certifies that it qualifies for the safe harbor, it necessarily will have a privacy policy that is available to the public. There is no need for that policy to be restated in a self-certification form, unless the Department of Commerce intends to subjectively review it—something that the Department and the Europeans have repeatedly said is not their intention. The Department's role should be limited to maintaining a list of companies, and contact persons at those companies, that have self-certified their compliance with the safe harbor terms.
* * *
We appreciate the opportunity to express these views.
Mary S. Podesta
Senior Counsel
1 The Investment Company Institute is the national association of the American investment company industry. Its membership includes 7,546 open-end investment companies ("mutual funds"), 457 closed-end investment companies, and 8 sponsors of unit investment trusts. Its mutual fund members have assets of about $5.730 trillion, accounting for approximately 95% of total industry assets, and have over 73 million individual shareholders.
2 For example, unlike most other types of companies, most investment companies are externally managed. They do not have their own employees and their operations are conducted by various organizations. Information flows among these organizations—the fund, investment adviser, principal underwriter, custodian, administrator, and transfer agent, among others—during the normal course of investment company operations. Some of these flows may implicate privacy concerns that should be addressed; others clearly do not.
3 Proposed Rule 3121, NASDR Notice to Members 97-12 (March 1997). As you know, the Institute supports rulemaking by the NASD as the appropriate means to deal with privacy issues involving investment companies and we are hopeful that the NASD will move forward with its rulemaking, taking into account the comments the proposal received. The NASD proposed rule sets forth requirements for information sharing with affiliates and non-affiliates and includes elements of notice and choice.
4 It is important to note that we are not suggesting that investment companies and investment advisers qualify for the safe harbor solely by virtue of being heavily regulated by the SEC and NASD. Instead, we believe that to the extent the SEC or NASD specifically address privacy, there should be a presumption that the regulations that they promulgate are adequate, effective and appropriate for the US securities industry.
5 That sentence currently reads: "Where an organization is subject to US statutory, regulatory, administrative or other body of law (or body of rules issued by national securities exchanges, registered securities associations, registered clearing agencies, or a Municipal Securities Rule-making Board) that also effectively protects personal data privacy, it qualifies for the safe harbor to the extent that its activities are governed by such laws or rules."
6 We note, in this regard, that European Union member states had three years between October 25, 1995 and October 25, 1998 to implement legislation giving the Directive local effect and that, in certain instances, companies in the EU have additional time before they must comply with all of its terms.
7 Letter to Eric Fredell dated November 19, 1998.
8 The current draft of the access principle reads: "6. ACCESS: Individuals must have [reasonable] access to personal information about them that an organization holds and be able to correct or amend that information where it is inaccurate. [Reasonableness of access depends on the nature and sensitivity of the information collected, its intended uses, and the expense and difficulty of providing the individual with access to the information.]"
Copyright © 2017 by the Investment Company Institute


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I think society has added on pressure slowly and slowly and now its just a ridiculous amount. Honestly, just about every girl is a good person, but what they must go through in order to fit in or positively stand out clouds or ruins their character. People grow up eventually though, it just takes longer and longer I guess.
Someone, somewhere, during a crucial part of evolution thought "I am not equal with that person over there! I'm better." and he began changing styles, that's how sluts & "cool" guys were "born", and that train of thought continued evolving and eventually became what we call "fashion"and/or "trends" today. Considering that that train of thought has been implemented on way too many people on more than just a genetic level, the best we can hope for that its going to be rooted out on the genetic level as well. Experience teaches slowly and at the cost of mistakes.
To love and be loved is to feel the sun from both sides.
lots of girls are like that nowadays and they do get annoying.
UP UP Here we go!!
I think the girl of today have more freedom than the one from the past.
Girls of today are like how girls were thousands of years back...we always pwned the men (I kid of course). But most are much more independent. Which is a good thing
i think it's all about exposure... i dont think stuff like that would ever come to mind w/o seeing it on others first
i think being independent is good, but not to the point of stluttyness
i'm perfectly happy with myself as a girl of the current generation
but to be honest, when i go to the outside world i'm usually shocked since that doesnt happen in my environment
(p.s. i'm a female under 20)
How do you know their minds were clean as a whistle?
Just because they had no rights or freedom of speech doesn't mean you know how they felt.
And I understand where your coming from but you can't generalize all girls this way.
I think it's society's standards to be honest.
Thought my tongue was tied upp
I don't know. I'm a girl and I'm not like that at all and neither are my friends. Sure we have our "I'm so fat" moments but they were never really a big deal. If I ask them to go out to eat ice cream with me, they would come and eat without a problem. Additionally, none of us dress too inappropriately. Most girls I see wear abercrombie, aeropostale and holister stuff but they usually cover enough. Maybe it's because I'm in high school...
I am on Indefinite Hiatus
It really is a lot harder to find a classy lady these days. They are a dying breed. Especially in the USA. Soz if I offend any real women with this comment. And im sorry if I am not writing with my normal fluency. I Havent slept in a while. Someone stole my Ambien.
...... hmmmmmmmmmmmmmm
Every thing is changing but i could not say or talk about girls as a whole becase every one is diffrent and every one acts diffrent.
We all do things for different reasons
If you want a more strait forward answer to your question id say Every one wants to fit in one way or another.
Supreme Overlord JiN
People a year younger than me are dressing slutty? How depressing,
Thinking about nuking.
Girls are slutty bitches. Like where's the innocence that they're usually known to have?
I believe in astrology shut up.
i guess Girls these days are wild.
every whr i go, in my country . . . they all look the same.
but im not saying all girls are like that, there are some innocent ones too.
2years5months&13days with LenaIeeXAllen♥ ;D
Girls playing "hard to get" have their advantage at finding staple partners as well as forming steady long term relationship:
So the bottom line is: don't be a slut unless you're desperate for attention, if any. Otherwise only the desperate guys will keep coming back to you, when they never had the intention to stay for cuddling.
A recent research on rats has discovered that if pacing is slow enough, the male will prefer to mate only with the familiar female, rejecting new partners. It was found that the more waited for the female is, the more attractive she is. "It's an awful lot like what we were taught in high school," says Concordia University psychologist James Pfaus(citation).
Strong enough for men, made for women. Anything less will be uncivilized.
Phyzjob wrote:
Girls are slutty bitches. Like where's the innocence that they're usually known to have?
Huh? I don't remember being slutty or a bitch for that matter. I tend dress appropriately thank you very much. I don't seek attention from boys like other girls do, it comes to me. Yes, I like to think very highly of myself and am very proud of my body. I will not disrespect it by sleeping with any random dude I find attractive.
And what kind of girls are you hanging around that gave you that type of mindset?
I'll be back


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Letters to the Editor for March 21, 2013
Published: Thursday, March 21, 2013 at 6:01 a.m.
Last Modified: Tuesday, March 19, 2013 at 10:49 p.m.
Smoke and mirrors
We have been hearing a good deal about the improvements to the Gainesville Regional Airport. In recent weeks, I have had experiences that make it seem like smoke and mirrors.
The new airline, Silver/United, is the most unprofessionally run airline that I have ever flown. From a basement gate in Tampa, people without uniforms, sometimes rude, were talking loudly on walkie talkies about which plane should fly where and when. It was a three-hour delay full of madness and mayhem.
Another inconvenience is the length of time it takes for checked bags to be on the belt for pick up. This takes much more time than a tiny airport should need to unload luggage.
We have had costly "improvements" and the service has not improved. It might be better to improve the service before spending our money on nice sidewalks and fancy lighting.
Anna Calluori Holcombe,
Higher ground
It has recently become obvious that modern societies have contributed to the global warming period we are now experiencing. Because there are more people on the planet, we individually, and collectively, contribute to the problem.
If you look at the big picture, and include the past 15,000 years, it should not be unexpected that, within the next 100 years, many coastal areas will be underwater. Can we stop the seas from rising? Probably not. However we can change the way we live to reduce our input to global warming and slow its effects.
But the weather and climate will still change, and civilizations will have to adjust, or perish. Modern civilizations can learn from the early cultures that occupied the lands that are now under water, and move to the higher ground. Or, they can learn to live like the people of Venice, Italy, and tolerate the flooding.
Richard DesChenes,
Not so protected
I recently returned from the largest "protected" forest left in Florida, the Ocala National Forest. I have to say that I disagree with the protected part.
Near our camp, we stumbled onto 100 acres of clear-cut forest. There were official signs that attempted to explain this absolute madness. These signs claimed that clear cutting is the new norm, instead of controlled burns. The lumber can be sold and it somehow is better for the habitat than the burns.
How is it that preserving nature means tampering with it, whether by fire, plow or chainsaw? It is undeniable that the creature comforts of our society are very convenient, but where do we draw the line? It is justifiable to clear cut 100 acres for toilet paper and 2x4s and other things we don't actually need to survive, even if it means destroying what other animals do need to survive?
Jared Pennock,
Decision reversed
The First District Court of Appeal has bowed to intense pressure and reversed itself on a public records case from me. The opinion admits to being contrary to decisions outside Florida. However, the decision now is controlling in Florida and will be quoted in lawsuits.
The court decided that an email about my teaching methodology at Santa Fe College was directly related to me and an unnamed supposed student in my class. I was given the redacted email, but to properly defend myself, I requested the name of the student, whom I suspected attended less than one class. She was critical when I took a moment to say that I deeply respected each student who was using the course as a stepping stone to becoming a lawyer, doctor or whatever.
She said that she was taking this course to learn math, not hear war stories. I am glad that I didn't apologize.
Darnell Rhea,
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text: LAHORE - Financial wrongdoing reigned supreme in former Pakistan Cricket Board (PCB) chairman Zaka Ashraf's era. The Nation on Tuesday learnt that his personal lawyers paid out Rs 6 million through the PCB, Rs 5 million spent on surface travel to his sugar mill while spouse taken on every junket and airfare alone costing the board Rs 4 million. Zaka paid out his personal/business lawyers out of PCB to the tune of millions, still more millions were spent on taking his wife along on foreign junkets and plush luxury vehicles were hired for hundreds of thousands of rupees per round trip to Bahawalpur and back to visit his sugar mill located there. The cumulative financial impact of all this ran into tens of millions of rupees – a tab that the PCB should have avoided at this time of financial distress when revenue streams have considerably shrunk owing to hosting its much diminished home series abroad at far greater cost. Following the shocking disclosures made by the PCB Internal Audit Report with regard to financial mismanagement and irregularities, the latest instances of blatant financial wrongdoing that this scribe has been able to garner from well-placed sources reveals that the board was plundered for personal benefit, pleasure and comfort by former PCB chairman Zaka Ashraf in his 22-month tenure. Amid a plethora of examples of financial misdemeanors, the following are extremely glaring in terms of using the board's resources for personal benefit. Imtiaz Siddiqui and M/s Kasuri & Associates, Zaka's personal and his company lawyers, were paid out Rs 6 million out of the PCB coffers – out of this Rs 5,225,000 going to the former, when the PCB has its own legal department on top of having a legal advisor. Siddiqui and Kasuri are these days representing Zaka in the Supreme Court as his lawyers. Zaka spent a staggering Rs 14.3 million in only his 22 months in office on his own domestic and foreign travel – a steep rise from Ijaz Butt's three-year tenure. There are two major reasons for this huge spike in internal and external travel. One, hiring of expensive luxury vehicles for his personal, business trips to far flung Bahawalpur where his sugar mill is located. Two, taking his wife along on all 15 ICC meetings and other trips that he undertook during his stint as chairman PCB. The cost of hiring surface transport by Zaka alone is Rs 4.654 million, bulk of it constituting travel to and from Bahawalpur from various places. There are 10 round trips in all, at varying costs; one such round trip alone costing the PCB upwards of half a million rupees. Another Rs 4 million was spent on air tickets for his spouse for 15 trips. And this does not include board and lodge and other sundry expenses, which were not a pittance either. This also does not include one trip by his son to Bangladesh costing Rs 175,000 in air fare alone. The above instances, on top of the most damaging Internal Audit Report exposes, are enough to prove that financial wrongdoing and corruption reigned supreme in Zaka's tenure as PCB chairman.