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New crop corn futures firmed Friday despite generally bearish developments. Easing basis quotes seemingly undercut the old crop contracts, with another surge by the U.S. dollar having generally negative implications for the whole commodity sector. Wire service sources also indicated improved weather forecasts might be depressing the markets, but anecdotal reports of surprisingly poor conditions around the Corn Belt were seemingly supporting the 2013/14 contracts. July corn dipped 6.0 cents to $6.6725/bushel late Friday morning, while December rose 1.25 cents to $5.6175.
The soy complex was trading in decidedly mixed fashion late Friday morning. Concerns about old crop tightness were apparently supporting the nearby soybean and meal contracts, whereas new crop futures seemed to be unfazed by the country depressing corn yield forecasts. The young legume plants are reportedly less vulnerable than their counterparts in corn fields at this juncture. The soyoil market may be suffering from diminished expectations for Chinese demand. July soybean futures slipped 2.0 cents to $14.955/bushel around midsession Friday, while July soyoil sagged 0.33 cents to 48.07 cents/pound, and July soymeal rallied $0.2 to $445.8/ton.
The anecdotal reports boosting new crop corn futures seemed to be doing the same for wheat prices Friday. Traders are apparently hearing about disappointing winter wheat yields in both the Southern Plains and in southern Illinois. They may also be building upon talk that China will boost its buying of U.S. wheat after having bought French product earlier this week. However, the ongoing U.S. dollar rally may be working against such ideas. July CBOT wheat edged up 1.5 cents to $7.02/bushel in late Friday morning trading, while July KCBT wheat added 3.0 cents to $7.40, and July MGE futures gained 1.5 cents to $8.155.
Cattle futures posted impressive gains Friday morning despite ostensibly bearish conditions. Equity market weakness and U.S. dollar strength seem particularly negative for the cattle and beef outlook, but traders may now be thinking the cash cattle markets are nearing a seasonal low. Indeed, the strength of late-morning gains suggest packers have started boosting their bids from low-ball levels posted earlier in the week. The CME gains seem likely to lead to firm cash prices later in the day. August cattle jumped 1.05 cents to 121.00 cents/pound around mid-session Friday, while December climbed 0.57 cents to 126.50. Meanwhile, August feeder cattle futures surged 1.07 cents to 145.50 cents/pound and November advanced 0.85 to 151.00.
Chicago traders apparently think the seasonal hog/pork rally has run its course. Despite a significant cash premium, a large gain on the midday wholesale report and the concurrent cattle rally, swine futures were trading noticeably lower just before noon Friday. The hog and complex has a history of reversing decisively after reaching a second-quarter high, so a cautious approach to CME futures seems entirely warranted. July hog futures fell 0.82 cents to 99.42 cents/pound in late morning trading, while December tumbled 0.42 cents to 81.82.


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Flames NewsFlames Home > News
No. 5 Seed Liberty Forces Elimination Contest with 9-8 Win
No. 5 seed Liberty jumped out to a 9-0 advantage and then held off a No. 2 seed Coastal Carolina rally, as the Flames defeated the Chanticleers, 9-8, in the Game 12 of the Big South Baseball Championship at Liberty Baseball Stadium. The Liberty wins forces Game 13 later today between the two teams to determine which team advances to tomorrow's Big South title contest.
Liberty received a strong outing by starter Jared Lyons, who moves to 5-0 on the year. The left-hander gave up two runs on four hits over 5 2/3 innings. He struck out one and walked two batters. The sophomore did not allow a runner past second base through the first five innings, facing 16 batters, one more than the minimum.
However, after Lyons left during the sixth inning, the Chanticleers scored eight unanswered runs, before Ashton Perritt took the mound during the seventh and shut down Coastal Carolina the rest of the way to earn his eighth save and force another contest.
Liberty second baseman Bryan Aanderud posted his seventh three-hit game and his 22nd multiple-hit contest of the season. The senior drove in two runs and scored a run.
Flames third baseman Jake Kimble collected a career-high three RBIs with two hits. He also scored a run.
Liberty moves to 32-27 and forces a second game with the Chanticleers to determine which team advances to tomorrow's title game. Coastal Carolina drops to 37-20. The Flames notch their first over the Chanticleers since a 13-1 win on May 24, 2008, in the Big South Championship at Danville, Va.
Liberty, the visitors on the scoreboard due to their lower seed, struck for the game's first three runs in the top of the second inning. With one out, Aanderud singled and advanced to second when left fielder Justin Sizemore walked. First baseman Alex Close followed with a double to right field to plate the game's first run.
Two batters later, third baseman Jake Kimble lined a double into the right field corner to produce two more runs, giving Liberty a 3-0 lead.
With Lyons handcuffing Coastal Carolina at the plate through the first five frames, the Flames extended their lead by batting around and scoring six runs in the sixth. Close walked and moved to second on a single to center field by shortstop Dalton Britt. After a pitching change by the Chanticleers, Kimble lined a run-scoring single into center field, extending Liberty's advantage to 4-0. Two batters later, Britt scored on a fielder's choice grounder by center fielder Ryan Cordell to give the Flames' lead to 5-0.
The next batter, catcher Trey Wimmer, walked with the bases loaded, upping the Liberty advantage to 6-0. Aanderud followed with a two-run single for an 8-0 lead. With Liberty runners at the corners, a balk by Chanticleers reliever Aaron Burke allowed the final run of the frame to score for a 9-0 advantage.
In the bottom of the inning, Coastal Carolina got on the scoreboard with two runs. With runners at the corners and one out, center fielder Jacob May lifted a sacrifice fly to plate their first run of the game. Two batters later, left fielder Alex Buccilli dropped a single into right-center field to make it, 9-2 Liberty.
The Chanticleers cut into the Flames' advantage with six runs in the seventh. Coastal Carolina loaded the bases with one out and scored when designated hitter Ted Blackman walked. May was then hit by a pitch to force in another run, trimming the Liberty advantage to 9-4.
After first baseman Connor Owings plated the third run of the frame with a sacrifice fly to shave the Liberty lead to 9-5, Buccilli lined a three-run home run inside the right field foul pole. The left fielder's first home run of the year allowed the Chanticleers to reduce their deficit to one at 9-8.
Coastal Carolina starting pitcher Seth Lamando falls to 5-4 on the year. The right-hander allowed five runs on seven hits over 5 1/3 innings. He struck out five and walked four batters.
Liberty collected 11 hits during the contest. Britt and Close joined Kimble with two hits apiece for the Flames. Coastal Carolina recorded seven hits. Buccilli had two hits for the Chanticleers.

subset: commoncrawl


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3-D Secure Payer Authentication
A.K.A Verified by Visa & MasterCard SecureCode
Introduction: The Industry and The Goals
Payer Authentication is the newest and most powerful tool available to ecommerce merchants today. Payer Authentication provides merchants with the electronic equivalent of a signed sales receipt. Under the umbrella of Visa's 3-Domain Secure initiative, internet merchants can participate in Payer Authentication. Visa's program is called Verified by Visa. MasterCard and Japanese Credit Bureau (JCB) also have 3-D Secure programs: MasterCard SecureCode and J/Secure. All three programs operate exactly the same way, they validate that the consumer shopping on your website is the legitimate cardholder.
Why would the payment associations (Visa, MasterCard, JCB) want to do this? They are worried about brand erosion.
The benefits of payer authentication are pretty substantial. First and foremost is guaranteed payment on all fully authenticated transactions. Even if the transaction is later determined to be fraudulent. The merchant will NOT be charged back. In fact, the chargeback is actually blocked from being submitted to the merchant's acquiring bank by Visa and MasterCard, so there is not even an awareness at the merchant bank level that a chargeback occurred. More importantly, the number of chargebacks that a merchant records with their acquirer will drop dramatically. Typical participating merchants see a drop of 60-70 percent in their monthly chargeback rates.
Even more monumental in concepts than the guaranteed payments is the shift in liability from the merchant to the card issuing bank. Never before in the history of card-not-present (CNP) transactions, have the payment networks ever offered a way for merchants to avoid liability for CNP transactions they accept. It has ALWAYS been the merchants liability. Those days are now over. This is ground-breaking stuff here folks.
Now, how about a little lower margin for doing busy more securely? Visa says sure. Just for installing Verified by Visa software on your site, Visa will lower your interchange rate by 5 basis points. I know, I know, basis points are confusing, what does that really mean? Well it works out to $0.05 for every $100.00 you process. A nickel doesn't seem like a lot, but it adds up when you are processing $1,000,000 a month or more in sales. Why did Visa do this? Well they want to motivate merchants to participate, and the 5 basis points is intended to help offset the cost that merchants pay for the payer authentication service (typically between 5 and 10 cents per transaction).
Common Misconceptions
Misconception #1: Not enough cardholders are enrolled.
This is irrelevant. 300 million plus US Visa cards are enrolled. Visa is offering merchants guaranteed payment on all Visa cards* regardless of whether the cardholder is enrolled or not. This means that from day one, with Verified by Visa enabled on your site, a merchant can cut their transaction liability by 50-60 percent, just on their Visa transactions.
MasterCard does not offer attempts processing liability coverage at this time, but 5-10 percent of MasterCard transactions are guaranteed payment, and their adoption rate is growing every day.
When a merchant combines the coverage of Visa and MasterCard together, they are typically getting guaranteed payment on 60-70 percent of their overall transaction volume. They are also eliminating 7 out of 10 chargebacks.
Misconception #2: Not enough banks offer the service.
Completely untrue. 45 of the top 50 U.S. issuing banks, and over 10,000 issuing banks now have the software up and running, worldwide.
Misconception #3: If it is such a good program, why aren't the big name merchants doing it?
Good question. These merchants would like to know why you don't consider them big names:
Walmart.com, JCPenney.com, Hotwire.com, 1800Flowers.com, CompUSA.com, TigerDirect.com, NewEgg.com, Etronics.com, Crutchfield.com, OfficeMax.com, JetBlue.com, NorthwestAirlines, eCost.com, Zales.com, BlueNile.com, FogDog.com, PlayStation.com, LizClaiborne, Wilsons Leather, eBags.com, Nickelodeon, Cooking.com, and about 30,000+ others worldwide that I don't have room to list here.
Misconception #4: I have heard that Verified by Visa/MasterCard SecureCode cause higher "abandonment" rates?
First of all, lets define abandonment: Abandonment is the process by which a customer leaves/aborts the CHECKOUT process prior to a final submission of the order – including items for purchase, billing and shipping method, and payment information.
Pay attention to this: payer authentication occurs AFTER CHECKOUT (or shopping cart) has been completed, but PRIOR TO AUTHORIZATION of the credit card (it works with both real-time and batch authorization).
Understanding the definition of abandonment explains why Verified by Visa contributes to absolutely zero 'shopping cart abandonment'. It can't. Fundamentally, Verified by Visa, as a process that a consumer would see, does not begin until the checkout has been COMPLETED.
With that said, the initial implementation of Verified by Visa, more than two years ago, had some problems with the authentication process. But those problems have been fixed. First and foremost, pop-up windows are no longer allowed for the authentication screen. Due to pop-up blocking software and the almost instinctive act of a consumer closing pop-up windows, Visa realized that this was not going to be effective. Since then they have mandated the "in-line" presentation method, which presents the Verified by Visa screen within the same browser window. This in-line method has proven to be dramatically more effective reducing authentication abandonment from 20-30 percent, down to less than one percent. The in-line method also allows the merchant to keep their brand on the same page as the authentication screen, which provides additional reassurance to the shopper that they are not being enticed by a 'phishing' scam.
Also, Visa and MasterCard strongly encourage the prominent display of the Verified by Visa and MasterCard SecureCode logos, both on the homepage, and the checkout page, so that it is clear to the shopper that this site is protected by these programs.
Finally, the strategic placement of consumer messaging (which is the fancy phrase for providing instructions and guidance to your shoppers in the from of text) has been surprisingly helpful. Amazingly, just telling consumers what they can expect to happen (ex: You may be prompted to enter your password if you are enrolled in Verified by Visa), and what to do if the expected thing does not happen (Ex: please call this 1-800 number if you experience a delay or are unsure how to proceed), has been extremely helpful.
Misconception #5: I have so many passwords, and I can never remember all of them. What happens if I forget mine?
First of all, do you have a debit card? If yes, then what's your PIN number? Don't answer that. It's a rhetorical question (and you never know who might be listening!). But you get the point, right? Why can you instantly recall the PIN number for your debit card amidst the tens, if not hundreds, of passwords you have? Because it's the key to your bank account – your money. The same goes for payer authentication. In regards to consumer experience, it's almost identical to entering your PIN number for a debit card purchase. In fact, if you want to make your Verified by Visa password a 'PIN' number, instead of a password, go ahead, it's OK. The point is, we already have a proven and flourishing example of consumers successfully protecting their money with a password (PIN) and payer authentication works exactly the same way – you just enter the password in your web browser instead of an ATM machine.
What are the merchant benefits of Payer Authentication?
Guaranteed Payment.
Yeah, right. Guaranteed payment? Where's the fine print. What is that supposed to mean? Exactly what it says. Guaranteed payment. If you are an ecommerce merchant, and you install payer authentication software on your site, Visa and MasterCard will guarantee that you get paid, and can NEVER be chargedback on fully authenticated transactions. For a typical ecommerce merchant, this represents about 25-33 percent of Visa card volume and 5-10 percent of MasterCard volume.
In addition Visa also offers guaranteed payment, including chargeback protection, on what they call "attempts processing". This means that if the merchant has the Verified by Visa software on their site, even if the shopper is not enrolled (has not set up their password), Visa will guarantee payment on that transaction, and block any chargebacks from coming back to the merchant on that transaction. This represents an additional 60-65 percent of the merchants overall Visa card volume.
When you combine the protection outlined in the above two paragraphs together, that equates to roughly 60-70% of your overall credit card volume being covered by the two programs. That means 60-70% of your overall credit card volume will be guaranteed payment, and will be protected from chargeback liability. Sounds crazy right? See Misconception #3 above to see how crazy it really is.
Chargeback Blocking.
What the heck is chargeback blocking? It's exactly what it sounds like. Literally, Visa and MasterCard step in between and block chargebacks from being passed by Issuing bank who issues credit cards to consumers, to the Merchant Acquiring bank, who receives funds for settled purchases from issuing banks on behalf of you the merchant.
What this means is that a chargeback is blocked from ever reaching your Merchant Acquiring Bank. This means that the number of chargebacks that show up on your monthly chargeback report are going to drop – dramatically. Typically by 65-70 percent. When the number of chargebacks drops, the fines for those chargebacks (usually $15-25 each) also go away. In addition, since their was no chargeback, you the merchant can keep the funds for that purchase. The issuing bank again is blocked from pulling the funds for that fraudulent purchase out of your merchant account. Why? Because you have done your part. You have the payer authentication software on your site. You are off the hook for those transactions that are protected. But somebody has to pay for that fraudulent transaction, right? Right. Lets' read on…
Transaction Liability Shift.
Transaction Liability is the end result of chargeback blocking. If fraud occurs on a transaction, and the merchant is no longer required to reimburse the consumer for that fraud because the merchant was employing payer authentication, then who will? The bank that issue the credit card. Yep. You read that right. All banks that issue Visa or MasterCard credit cards are now liable for all ecommerce transactions that are protected with payer authentication by merchants. When did this happen? Well, it's actually always been this way with Verified by Visa and MasterCard SecureCode. Now are we starting to understand why the biggest merchants in the world want these programs on their websites?
So why would issuing banks allow this to happen? Aren't they now exposed to a huge amount of fraud? That's partially true, but banks, as members of Visa and MasterCard, are bound by the rules of the card associations they are members of. Also, issuing banks realize in the long run, these programs will strengthen the brand of their cards, and make consumers more willing to shop online. And as you know, issuing banks love it when you use your credit card.
The ecommerce channel today represents only 2-3 percent of the overall commerce in the U.S. However, it is the fastest growing payment channel. Issuing banks realize that ecommerce is really still in it's infancy, or maybe now more like a toddler. It's learning to walk, but its still stumbling around like a drunken sailor trying to get his sea-legs. It may not be perfect, but it's getting better, and becoming ubiquitous. Pretty soon it will be so big, it will be too big to fix, so banks are willing to scrape their knees a little now, and get the problems fixed. When ecommerce eventually is 5, 10, 20, or 50 percent of US commerce, consumers will feel good about using their credit card to shop online, and not be afraid of identity theft and fraud.
Accept International Transactions.
Do you accept transactions today from Nigeria? No? Not surprising. Nobody does. However, what about Canada, or Mexico, or England, or Germany, or Australia, or Japan. There are most certainly customers in these and many other countries that we would be happy to do business with, if we only could feel safe about accepting the transaction. But there's no Address Verification System (AVS) for these countries, so what can we do?
Well, if you enable Verified by Visa/MasterCard SecureCode on your ecommerce site, not only can you accept transactions from these countries and all over the world, you can do so with exactly the same benefits and protections that you get on U.S. issued credit cards.
A conservative approach for a merchant who is hesitant to test the international markets may be to simply offer to accept international orders ONLY if they are made with a Verified by Visa or MasterCard SecureCode credit card. That seems fair enough. Talk about expanding your markets!
Reduce Overall Cost of Doing Business (operational overhead).
This benefit probably takes the longest to realize, but can be pretty substantial. Ask yourself this question: How much manpower, time and resources do I spend preventing/screening transactions for fraud, and dealing with chargebacks that I have received? Whatever the answer is, now cut that manpower, time and resource allocation by 60-70 percent, and that's what payer authentication has to offer your business in terms on reducing your costs of doing business.
Verified by Visa and MasterCard SecureCode make your business more efficient. They reduce the time you spend as a business trying to be a security expert, and give you more time and resources to focus on selling your products, which is what a "merchant" should be doing. It's a beautiful thing!
Verified by Visa Chargeback Reason Codes Covered
U.S. Visa Credit and Debit Cards – Full & Attempted Authentication23: Invalid Travel & Entertainment61: Fraudulent Mail Order/Telephone Order/eCommerce75: Cardholder does not recognize transactions
Visa International Credit and Debit Cards - Full & Attempted Authentication23: Invalid Travel & Entertainment83: Fraudulent Mail Order/Telephone Order/eCommerce
MasterCard SecureCode Chargeback Reason Codes Covered
U.S. MasterCard & Maestro Cards – Full Authentication4837: Cardholder non-authorization4863: Cardholder not recognized
Which merchants can benefit the most from these programs?
If you accept credit cards as payment online for merchandise, then you can benefit. It does not matter if you are a small business run out of your basement, or if you are selling millions of dollars a year in merchandise. Every merchant can benefit from these programs. More specifically, merchants that are in high risk categories for fraud: jewelry, consumer electronics, software, DVDs; merchants whose items can be easily pawned or fenced: sporting goods, tools, tobacco, ticketing; merchants who sell 'soft' products: games, music, content, airtime/phone minutes
So where can I go to get this software?
Visa and MasterCard both have published vendor lists on their websites. You should also talk to your Merchant Acquiring Bank, your Payment Gateway, and/or your Payment Processor to find out if they already have a vendor that they recommend or are partnered with.
Verified by Visa Merchant Information Site: http://usa.visa.com/business/accepting_visa/ops_risk_management/vbv_marketing_support.html
Verified by Visa Consumer Information Site: https://usa.visa.com/personal/security/vbv/index.html
MasterCard SecureCode Merchant Information Site:http://www.mastercardmerchant.com/securecode/index.html
MasterCard SecureCode Consumer Information Site: http://www.mastercard.com/securecd/welcome.do
Michael RocheSenior Manager, Market Development CardinalCommerce Corporation P: 877.352.8444 ext 124F: 440.352.1646 firstname.lastname@example.com www.CardinalCommerce.com
Great article... I stuck it...
3d to the next level
If a customer, using Verified by Visa, makes a purchase and is later very dissatisfied with the result yet the merchant refuses to issue a refund, can the customer still issue a chargeback and get his money back? If not, why should a customer join such a program that decreases his protection? (I know the customer's protection is increased in the form of anti-fraud, but I think some people are more concerned with the ability to issue charge-backs.)
Verified by Visa is a tool used by banks and merchants. A shopper using VbV on a participating site will submit their PIN, which they created, and the merchant and the bank know that the person using the card is really the actual cardholder, so regardless of the ticket size, or the bill to ship to, it can be sent out right away.
Consumers enroll in VbV because it makes it easier for them to shop online, and its far more secure. Many sites offering VbV, recognize enrolled cardholders as the best type of online transcation because it is "almost" like a brick and mortar transaction. Therefore they are offering benefits to these shoppers, quicker service, better customer service etc.
If a cardholder recieves a "service," and they are unhappy with the service, and they can't recieve a refund, and they are enrolled in the program...it would be a fraudulent chargeback. So your question is a little strange. VbV is designed to ELIMINATE fraud in the Visa Network, not customer service standards.
Breaking News
Once Again.....You Heard It First Here at SitePoint.com
Breaking News: MasterCard® Lowering Interchange for SecureCodeTM Merchants
MasterCard announced new interchange rates for merchants participating in the MasterCard SecureCode program, with the rates going into effect on or around October 1, 2005; timed right before the crucial holiday shopping season.
MasterCard has taken a bold step in offering substantial reductions for participating SecureCode merchants. The new interchange rates will apply differently for MasterCard credit cards and MasterCard debit cards, and merchants should discuss this with their Acquiring bank to understand exactly how these changes will affect them.
For MasterCard credit cards, the interchange rate for merchants (Merit 1) not participating in SecureCode will increase by 5 basis points, from 1.90% + $0.10 to 1.95% + $0.10. For fully authenticated SecureCode credit card transactions, the interchange rate will drop from 1.95% + $0.10 to 1.73% + $0.10, a difference of 22 basis points. For MasterCard credit cards transactions that are not fully authenticated in SecureCode, the interchange rate for merchants will drop from 1.95% + $0.10 to 1.63% + $0.10, a difference of 32 basis points.
For MasterCard debit cards, the interchange rate for merchants (Merit 1) not participating in SecureCode will remain at 1.64% + $0.16. For fully authenticated SecureCode debit card transactions, the interchange rate will drop from 1.64% + $0.16 to 1.15% + $0.15, a difference of 49 basis points and $0.01. MasterCard debit cards transactions that are not fully authenticated in SecureCode, the interchange rate for merchants will drop from 1.64% + $0.16 to 1.05% + $0.15, a difference of 59 basis points and $0.01.
The lower interchange rate for MasterCard SecureCode transactions creates a huge incentive for both Acquirers and their merchants to participate. Merchants are constantly looking for ways to lower their costs, lower their fraud exposure and to lower their chargebacks. MasterCard SecureCode now presents a single approach to resolve these issues.
These benefits are not only limted to large merchants, and you can get these interchange savings if you shop around for your merchant account.
All my clients have been waiting for this. Should cut down online fraud whcih at the moment is rife in many sectors.
what happens when a customer does not have a password? I have been to your links and am I over looking this.
For Visa: When a cardholder, or a cardholder's bank isn't participating...the cardholder sees nothing. What occurs on the backend is an "attempted authentication." Visa protects you on an attempted authentication.
Go to webstore.cardinalcommerce.com
Use the "attempts" card number provided so you can see the shopping experience of a non-enrolled but fully protected Visa cardholder.
For MasterCard: MasterCard only protects on enrolled cards so you will only be protected when a shopper is enrolled, and authenticates themself with their bank at the end of the checkout.
Thanks for the quick reply awesome.
What about "Guaranteed Payment."? Does it really make a change?
I'm not quite sure what you mean.
We use the term guaranteed payment to refer to any payment that isn't liable for credit card fraud. As online merchants you are liable for credit card fraud on all of your transcations if you aren't running Verified by Visa and MasterCard SecureCode.
These are the only fraud screening programs that will shift the liability off your your shoulders and on to the shoulders of the the bank.
Well, that doesnt look that good as it was written..
I run dating website, and I do not accept any orders if the card is not enrolled and the authentication status is failed.
But yea, the trouble is that all transactions are with successful authentication, and I keep receiving Retrieval Requests, with reason "Legal process or fraud analysis", or "Merchant was not willing to provide the service", for first one they are asking to send a sales draft, and for second i am just sending screen shots that service was established. So finally i have got the call from the bank and I was told that they gonna keep all my funds on hold, I told that i have "guaranteed payment", they did not care, and i was just told until I dont have signature and card imprint it most likely i lose the dispute. And they are also going to turn my merchant account off, because of retrieval requests!!!even if all transactions were authenticated, furthermore I got the chargeback on authenticated by Verified by Visa transaction and it says:
Your account has been debited for the follwing reason:
Unauthorized charge. Per Visa, no reversal rights without a signed and imprinted or magswiped sales ticket: or copy of order, proof you obtained positive AVS at time of order and signed proof of delivery to the AVS confirmed address.
Reason code 83
I checked out:
And it says that VbV protects me against that, but you see guys, VISA rules says that liability is shifted from merchant to issuing bank, and banks here NEVER want to take the LOSS!!! even on the paperworks i found that cardholder said it was unauthorized charge, so bank changed it to totally other reason: "merchant was not willing to provide the service".
And my comments: VbV/MCSC looks good until you dont do anything with it
Are these international transactions?
RC 83 was originally the RC for international fraudulent ecommerce chargbacks. They have since combined 61 and 83 and it is refered to as 83 across the board.
I just need some additional insight and then I can tell you what the problem is.
Nope, that transaction with V83 reason code was made from california.
If you are a US merchant and you sold to a US cardholder Visa will block the chargeback if its reported for any instance of fraud. If you are passing the ECI and CAVV properly through your gateway and processor Visa should have blocked the chargeback.
If you are capturing the authentication information and properly passing the data along during the authorization process this shouldn't have happened.
Who are you using for your Gateway and Processor?
Hmm, VeriSign and processor is WoodForest National Bank, i've just call to the chargeback department, and they can not find anything with that cardholder, neither by case # nor by credit card #.Anyway as i told you there are interesting stuff like customer filled out that he did not authorize the trans. so bank changed to RC 30 did not rcvd the service, and Chargebacked for RC 83. Anyway AVS/CVV/VbV was with result code Y.
I am wondering what about if we passing AVS and Buyer Authentication, we are still protected ?
And what could be the trouble with Wells Fargo, when the cardholder process the card details for authorization he is promted to enter his password, and here is the trick:
if VbV password is correct - transaction is declined. ALWAYS!!If the same customer on VbV window clicks cancel(authentication failed) - the transaction is approved.
What could be the reason, i have called to wells fargo, most of them dont even know what is VbV, i have told the story more then 30 times i guess, but finally i've reach the department who should know about that, and i was told they can see the reason, but cant tell me, and asked to call me a customer and ask him to process his card one more time, i put the banker on hold and called to the customer to process the card one more time, anyway it was declined again, so banker told me that the trouble comes not from Wells Fargo, but from VISA and connected me to VISA, anyway in VISA the people level is the same i guess like on the streets who cleans them, big accent its almost impossible to understand, i am saying whats going on, they are asking my card details for no reason, anyway i gave them, so they wanted to connect me to bank of america(my card issuer), i like why BOA i have troubles with customers and WF, so after 20 mins of telling him, that he forgot my card, he just told me that VISA is gateway and all the stuff like authorization is being dont in financial institution, and connected me again to Wells fargo, the guy picked up the phone and i told the situation, so he wanted to talk to customer, i told that if all customers will be redirected so i lose alot of money, and customers always hear the busy signal, anyway these cards were authorized, and all others were declined after. What could be the reason for this? If VbV successful - transaction declined, if autentication failed - transaction approved.
I'm looking into this issue because it is very out of the ordinary. At this time I believe the issue resides with Wells.
Thank you


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Some additional information will help me to answer your question.
What temperatures do you maintain on the warm and cool sides of the cage?
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The cool side is about 80degrees not sure about the warm side, i use green calcium sand, but he has mulch type stuff falling off the log climber i bought him thats mixed in. He eats almost all the vegetables i put in his plate, even eats them off the spoon as i put them in
replied 8 years ago.
Thank you for getting back to me. The first thing you need to do is give your beardie a soak in a shallow bath consisting of 1/2 Pedialyte (made for human infants and available in pharmacies and discount stores) and 1/2 warm water (100*F). Soak him for 10 minutes, then, with him still in the water, massage his underside gently from front to vent for an additional 10 minutes. This may stimulate him to defecate. The soak should be repeated twice a day.
Next, buy him a superworm. Dip it in mineral oil and feed it to him. That will often take care of constipation.
I suspect that you got your information on care from a pet store. unfortunately, most of the information they give is wrong. You need to get rid of the calcium sand. Your beardie can't help but ingest some whe he's eating and exploring. It can lead to impaction, which requires surgery. Use reptile carpet or ceramic tile - something solid.
Your beardie is also cold. That makes it impossible for him to properly digest his food. You'll need to get an accurate thermometer (digital probe is best) so you can measure the temperature. The area under the basking light should be 105 to 115*F. The cool side should be 85 to 90*F.
Some of the foods you're giving are bad for beardies. They shouldn't have apples and carrots. Spinach can cause problems because it binds calcium. The following link will take you to a site with guidelines for feeding produce:
I'm sending along a care sheet, courtesy of Joan, another of our experts. I suggest that you read it and use it as a check list to make sure everything is right for your beardie.
The soaks and mineral oil-coated superworm should take care of the constipation. If it doesn't, your beardie may be impacted, and will need to be seen by a vet. I hope that isn't necessary. If you have more questions, just let me know by clicking on REPLY. The care sheet follows.
JOAN's BEARDED DRAGON CARE SHEET
* Bearded dragons should be housed alone.
* Ages of bearded dragons follow these guidelines:
1. 0-3 months- baby
2. 3-12 months-juvenile
3. 12-18 months- sub adult
4. 18 months + -adult
* Bearded dragons live as much as 10-12 years if well cared for properly.
* Bearded dragons have a very good temperament as long as they are cared for and handled.
* When you bring your baby home, it may be quite stressful to him/her to get use to new home. May not eat well the first 2-3 days. They may not need to be handled the first 2-3 days if skittish and nervous.
* Never use sand or any other type of loose substrate: Loose substrates can cause impaction (not being able to go Poop) in all ages of bearded dragons- they lick their environment to explore .It is difficult to keep germ free and clean. Ceramic tile, newspaper, non adhesive shelf liner and reptile carpet is what is most recommended. Use paper towels for the little one and as they get bigger you can change to something else.
* Be sure you keep your beardie's home as clean as you can. Clean up by spot cleaning when needed. Clean & sanitize entire tank every 10-14 days. A good cleaning solution is a 20% bleach solution. If you choose to use wood climbing branches etc, these should be soaked in the bleach solution and rinsed well. Then bake in 250 degree oven for 30 minutes.
* Need a climbing accessory: to bask and to warm up under basking heat light and lower branches or platforms to come down and cool off.
* A hide of some sort like a cave.
* A food dish and water dish.
* Plastic spray bottle
* Can use artificial plants when they get older- 3 months or so.
* Digital thermostat and/or temp gun
* Tank size: Minimal size tank for this age is 20 gallon long
* Minimal size for older beardie: 4 months of age: 40 gallon breeder is the minimal tank size for older dragon. Can divide a 40 gallon breeder for a smaller dragon.
* Must have two lights for your beardie.
1. A UVB light source-best is 10.0 Reptisun that runs the length of your tank. Your dragon must have this light to metabolize calcium. It should be replaced every 6 months. If not he will get metabolic bone disease, a serious condition. You can also take your beardie outside to bask in the sun for 15 minutes each day if your temps are 80 degrees or above outside. You can purchase cages or reptariums from your pet store. Never leave a beardie outside unattended.
2. A basking type light that puts out heat and warmth above basking spot. Your beardie must have warmth to digest food & thrive.
* Lights should be on for 12-14 hours each day. Follow the seasons and light timers are a great luxury if you can get them. 6 dollars at Lowe's. No lights or warmth needed at night unless your temperatures get below 62 degrees. If they do, there are ceramic heat emitters that put out no light, only heat. Use these at night if temperatures fall below 62 degrees.
* Temperatures have to be kept at the following ranges during the day:
Babies: Warm basking log: 105-115 degrees F
Cool side: 85-90
Adults: Warm basking spot: 100-110
Cool side: 80-85
Measure temperatures with a digital probe type thermometer or a temp gun-these are most accurate. Stick on thermometers unreliable.
* Feeding a Beardie: Beardies eat live prey consisting of crickets, roaches and/or silkworms. Never feed any size of mice to your beardie. Never feed mealworms. They also must be given greens/veggies everyday. The younger they are the more live prey they should have. As they grow older the live prey decreases and the veggies/greens should be the major part of diet. Never feed anything bigger, than the space between your beardie's eyes. This includes both live prey and pieces of veggies/greens,
* A chopper or food processor is a huge help when your beardie is small. Always offer greens and veggies: collard greens, turnip greens, mustard greens, cabbage, red cabbage, fresh green beans, yellow summer squash, butternut squash, sweet potato, cactus pad. Apricots, strawberries, apples, blueberries, raspberries, cantaloupe- fruits are treats only.
* What is live prey? The easiest and less expensive live prey is crickets when you have a young or first beardie. The other live preys you can feed are silkworms, and special types of roaches. You can learn to raise your own live prey. Treats can be waxworms, super worms, and tomato/goliath worms. You may find that ordering live prey from the internet is the way to go..... Never leave live prey or greens/veggies in tank overnight. . Crickets can bite your beardie when sleeping.
* Babies should get 80% live prey, and 20 % greens/veggies. But since the greens/veggies are a must when they are older, get them eating their greens/veggies very early. Give greens/veggies in small pieces everyday. You should eventually start decreasing your older dragon's protein intake when they are about a year to 15 months old. Their protein intake decreases to 20 % live prey and 80% veggies/greens.
* A baby the size of yours can eat 50-75 crix a day. Never feed crix or veggies bigger than the space between your beardie's eyes. Use this guide when buying crix or chopping your greens/veggies.
* You must provide calcium dust without D3 and multivitamin dust for your beardie. You should dust the live prey with calcium one time a day, and vitamins 3 times a week. Just collect your live prey into baggie and add enough calcium and vitamin to dust them. Then pour a few at a time into your tank. Some people feed their beardie in a separate tank so that no crickets can hide. Or some take out "furniture" from tank and feed this way. As they get older, 4-5 months or so dust live prey with calcium 3 times a week.
* Feed the veggies/ greens 1st thing in morning after lights on for one hour at least. Then after 2-3 hours offer crix. Then freshen green/veggies. Then give more crix. Make sure after last crix feeding there is at least 1-2 hours of lights so that they can digest their food before night time.
* Water: Mist your little one with the spray bottle 3-4 times a day. You can also offer a small dish of water in your enclosure but be sure your dragon is not too small to drown in it. It is recommended that when your beardie is 2 months old you can bathe your baby in a small plastic container with warm water- not hot. It will help them to stay hydrated. As they get older you can move up to the bathroom sink and then to the bathtub. Very important for bath enclosure to be thoroughly cleaned and rinsed prior to bath time. Clean between dragons too if bathing more than one.
Anna and other Reptile Specialists are ready to help you
Ask your own question now
replied 8 years ago.
OMG!!! THANK YOU SO MUCH!!!! I just hope for the eight months Ive had him I havent done more harm than I can now fix! I really do wish i would have used this site sooner to learn how to better care for him so this wouldnt have happened in the first place! NOw Jinx will definetly be well taken care of and I will be shopping for new supplies Tomorrow!!!!!!!THANK YOU AGAIN!!!!
replied 8 years ago.
You're welcome. I hope you and Jinx will do well from now on.
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This product has been acquired by Aptean and rebranded to 4-Gov Fund Accounting, as part of the Aptean acquisition of Consona Corporation and CDC Software.
The acquisition brings together 32 product lines in ERP, CRM, Supply Chain, eCommerce, supply chain, and public sector. Key product lines include 4-Gov Fund Accounting, Catalyst WMS, Compiere, Ecompix, IMI Supply Chain, Intuitive ERP, Knova KM, Made2Manage, MarketFirst Market Automation, Onyx CRM, Pivotal, Ross, Saratoga, and Trade Beam GTM.
"Aptean Six Months After The CDC Software And Consona Merger." SoftwareInsider.org.
4Gov® is iDC's WEB new based solution - powerful, easy-to-use integrated application suites that local governments, agencies and not-for-profits can use to allocate and manage their financial resources. 4Gov is based on iDC's proven, award winning DILOG® Financial Management System.
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For your IT department, the 4Gov solution can be structured one of two different ways, each providing their own benefits:
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My Story
My parents both had heart disease. They were under complete medical doctors' care. They were allowed to smoke cigarettes, drink pots of coffee and excessive alcohol, consume outrageous amounts of sugar and live on a diet of almost pure animal fat, have a bowel movement once a week or less, never exercise, and were directed to take a dozen toxic, chemical pharmaceutical drugs to try and offset their toxic and lethal lifestyle. This medical program didn't work out for them...LEARN MORE


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IT IS not just Miles Storey's friends, family and coaches who knew he had something special from an early age – his teammates were well aware of his talents too, writes ANDY WARREN.
The striker has made the step from youth team football to involvement with the Swindon first team alongside Leigh Bedwell, Louis Thompson and Aaron Oakley, and the quartet have known each other since Storey first came to the club as a 15-year-old.
Welsh central defender Oakley was given the job of marking the forward in his first training session, and knew immediately there was something about him.
"I first met Miles when he came here when he was 15 and looking for a scholarship, and I remember his first training session pretty well," he said.
"I remember thinking 'who is this?' and you could see from quite early on that there was clearly something special there.
"I had to mark him, and it was a tough job, and there was clearly something about him and he is the nicest down to earth guy too.
"He works so hard and he has really kept his feet on the ground over the last two years and he deserves his chance."
Thompson was with Storey when he first heard about his call-up to England Under-19s, and believes the striker's level-headed nature will serve him well.
"Miles has been brilliant and he has come on leaps and bounds, and to be involved with the first-team here and to play for England too is brilliant," he said.
"I was with Miles when he got the call from England because we were all having a gym session together, and the club secretary came and told him he had been called up and he had a massive smile on his face. He has just carried on like it was nothing and didn't brag about it at all.
"He knows he needs to work on many things just like all of us, and he is taking it all in his stride and getting on with things."


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Who Was the Best Dressed Celeb of the Week? A Cut-out Gwyneth, Kesha + More
Oh my! Kesha wore pants, Michelle Rodriguez is in a flowing gown, Jamie King looks fab in purple and brown and Sopha Bush is so shimmery!
-Courtney Leiva
And we're back for another fashionable friday! Did you miss us? This week, Kesha finally overcomes her hatred of pants while Cindy Crawford proves she's more than the face behind those Meaningful Beauty commercials. For an amazingly adorable Lauren Conrad, a stunning Jamie King, cut-out Gwyneth Paltrow and saucy Alessandra Ambrosio, just keep on scrolling Bettys!


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Bausch + Lomb is committed to good corporate citizenship and donates millions of dollars and thousands of volunteer hours to hundreds of organizations worldwide that support our mission of perfecting vision and enhancing life.Choose from the examples in the left navigation to learn more.
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You know the saying…a good man is hard to find. Well, I've changed it around a bit. A good dress is hard to find.
What do you have to do around here to find a dress that isn't too short (butt hanging out) and too tight (my ribs are showing)? I will save all that for the bolder and more courageous curvy girls.
I will stick to the classic, yet chic silhouettes with a fun print. Please for the love of fashion. Don't be afraid of prints! I know I say that all the time, but it's true.
For me, these styles are so versatile. A lot of them are easy to dress up or down, day to night. You know me. I have to have options. Something like this strapless empire waist Donna Morgan dress (left). OK, I really want this dress.
Don't worry my gorgeous UK readers, I didn't forget about you. I found these printed dresses while searching the womens clothing catalogues of JD Williams. No fair, I wish they shipped to the U.S.
I guess all the good dresses are online. That's where I found these. Time to get my online shopping on.
Disclosure: This is a sponsored post. The above is my true and honest opinion.


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2014/06/11 - 00:35 •
Dmitry Tymchuk's Military Blog: Summary – June 10, 2014. The bad, the good, and the ugly.
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I warned you all that a diatribe was coming. Here it is, in four parts. The first examines the general situation in Central Africa, of which most Americans are unaware (or were, until yesterday.) The second part discusses the viral phenomenon of Invisible Children, Inc's video, which hit the web yesterday. The third part examines the rapid criticism of the Stop Kony movement that has sprung up, addressing some of the arguments made against Invisible Children, Inc. Finally, the fourth part discusses the phenomenon of cultural zeitgeist, and why sometimes hating something is cooler than liking it. This is an insanely long post, but I hope you'll find that it bears reading. I'm happy to discuss things further in the comments.
Look, Central Africa is a unique sort of mess. It's nearly impossible to put in a nutshell, but I'm going to try. I did spend four years studying this in college, and I see no other time when my degree might actually serve me, so here goes.
When Europe "explored" the world in the eighteenth and nineteenth centuries, what they really did was colonize it. Just like they colonized the United States. They traipsed through Africa, planting flags and drawing arbitrary lines demarcating new states, and began milking the continent for every resource they could squeeze out of it.
And then, eventually, they were driven out. And when I say eventually, I mean largely in the 1960's (some earlier, some later) which isn't even a heartbeat on the timeline of history. In a grand scale, the vast majority of these African countries gained independence, like, yesterday. Two main problems emerged. For one thing, those arbitrarily drawn boundaries stayed after the colonists had left, leaving disparate ethnic factions fighting to control the same land. Often, the colonial governments favored one ethnic group over another, which created even more problems in the power vacuum of the post colonial periods. In many of these situations, both groups have committed atrocities against one another as they seek power. And there are good reasons to seek power. Africa is unparalleled for natural resources. From oil to diamonds to rare minerals, Africa has it all and in spades. There are enormous riches at stake.
In fact, a new supply of oil has just been discovered in Uganda, which is the subject of Invisible Children, Inc.'s film. This oil cache is extremely likely to ignite new fighting as the nations rival groups seek to control the government by controlling the oil and vice versa.
Because of men like Joseph Kony, this oil find decreases stability in the region rather bringing about any positive change. Kony and his ilk will simply try to acquire the profits from such a find in order to enrich their own coffers so that they can increase their power. The Ugandan government, in turn, will have to seek to use those oil profits to maintain their hold on power in the face of assault by groups like the LRA. Neither of these courses of action improves the infrastructure, security, or state of the citizenry of Uganda.
Both the governments and the rebel groups often fight these wars with methods of rape and murder and mutilation that would turn the stomach of even the most hardened cynic. Assuming that those cynics know about the situation, which most Americans don't. This is exactly why Invisible Children, Inc. has created the Stop Kony video and campaign.
Yesterday, Invisible Children, Inc.'s Stop Kony 2012 video went viral. And I mean, it went VIRAL.
I first heard about it at 8 a.m. – by 11:30 it had 1.5 million views. RIGHT NOW, at 1:30 p.m. the next day, it has almost THIRTY. SEVEN. MILLION. VIEWS.
Here's the link. If you haven't watched the video yet, you really should: http://www.youtube.com/watch?v=Y4MnpzG5Sqc&feature=g-logo&context=G2c59aeeFOAAAAAAABAA
People all over Twitter, Facebook, Tumblr and Pintrest are abuzz, not to mention the private blogs and websites. And, last night, the major news organizations started to pick up the story.
Just as surprising as the rapidity of the viral success of the video was the near-instantaneous backlash. The first article I saw criticizing Invisible Children, Inc. and the Stop Kony movement was on Jezebel.com.
I'm not one to put the blinders on when it comes to social movements, so I read the article.
And then I read The Washington Post's article.
And then I read The Daily Maverick's post.
And then I started to get frustrated.
The criticism is SO THIN. It is so easily pierced.
All three sources decry the organization's expenditures, noting that Invisible Children, Inc. spent more last year on travel, filmmaking expenses, and staff salaries than direct aid.
For real? Invisible Children is not currently styling themselves as a direct aid organization. They're making efforts to make Ugandan citizens safer with things like their early alert radio network, but I think it's pretty obvious that making the film that everyone's watching – that EVERYONE'S TALKING ABOUT – has been the main goal of the organization.
They want to draw so much attention to the issue that governments and major non-political organizations (NPOs), whose coffers run deeper than organizations like Invisible Children, Inc's, will have no choice but to take notice.
THEY DID THAT. Did you know who Joseph Kony was before yesterday? Did you know what was happening to children in Uganda? If you didn't know that on Monday and you know it today, then Invisible Children has succeeded. Their money has been well spent. Drawing attention to an issue is a pivotal part of any social movement, because with public attention, the movement doesn't MOVE. You can preach to the choir all you want, but it doesn't make your audience bigger. This movie does. I think that's awesome, and I think that the criticism that Invisible Children, Inc. isn't spending money the way direct-aid organizations should is comparing apples to oranges.
Which leads me to the second criticism, which appears in the Washington Post's article among others. They claim that Invisible Children, Inc. has exaggerated the number of people harmed by Kony and the LRA.
Oh my God. Oh. My. GOD. Central Africa has been a nightmarish mess since it was decolonized. The insinuation that this organization is crying for attention that is somehow less than deserved is ENRAGING to me. It's possible Invisible Children has used an inaccurate number. I don't see anything that looks glaringly wrong, but I'm not going to claim I've checked all the math thoroughly. This is mostly because I don't HAVE to. The totality of victims in Central Africa is incomprehensible. There is no limit to how much attention this region deserves.
Thirdly, a lot of these backlash articles, especially the one in The Guardian, are decrying the "slickness" of the video and the "Americanness" of the IC, Inc. founders and filmers.
Gag. Okay – can we all agree that the mainly white, mainly young, and apparently hip people in the video are not at fault for being young and white? We can decry their idealism, but in my opinion, that's the worst sort of disaffected cynicism. They made a video that is WATCHABLE for thirty minutes. That holds the attention of a social media saturated market where anything longer than 140 characters is interminable. At the same time, they explained the complexities of the Ugandan situation simply enough to fit in a half-hour. I spent YEARS studying post-colonial sub-Saharan African politics in college. I'm quite impressed with what they did.
I could refute individual points for a long time, and if you want to bring up additional criticisms, I'll be happy to discuss them in the comments. What I'd like to do now, though is talk about cultural zeitgeist, backlash, leading and belonging. In other words:
When everyone's talking about something – when you can't log on to Facebook or turn on the news or pop onto Twitter without seeing the same topic – that's cultural zeitgeist. Something born of a moment, something that hits with such perfect timing that it saturates everything.
Lots of things do this. Political movements and social movements and religion and even books. I'm going to use Twilight as an example, because I'm a young adult author and I think it's appropriate.
So. Years ago, Twilight was published. The juggernaut grew quickly, and soon EVERYONE was reading Twilight. Everyone LOVED Twilight. *I* loved Twilight. It became an enormous phenomenon. A major best seller with a movie deal and calendars and mugs and general saturation of the culture. It became completely mainstream. And then the tide turned against it. People pointed out that there are some feminist issues with the book. And pedophilia issues, if you think about it a certain way. And the writing was bad. And quickly, it because much hipper to hate Twilight than it was to love it. Is Twilight perfect? No. It wasn't perfect when it became popular. And the criticisms – some of which are valid – don't make it terrible, either. The point is, the leading edge of the zeitgeist changed. And that's the same thing that's happening to Invisible Children, Inc, on a warp-speed scale.
This is all tied up with our need to be socially accepted. Almost no one wants to be seen as a tag-along – a last minute addition to a group. We'd rather be part of the leading edge, or at least solidly in the middle, of a cause or a trend that we ascribe to. And when something gets to a certain, undefinable point of popularity, the only way to lead in relation to that book – or that movement – is to lead the backlash against it.
This is not to say that criticism is just latecomers trying to be cool at any cost. It's not. Well reasoned examination is direly important in political causes. We must continually examine our motives and those of the organizations we support. Intelligent and careful debate is something that should never be squashed. It is also important, however, to examine situations in which the criticism might be less about the subject itself and more about the critic seeking to head a new pack. Much of the backlash I've seen against Invisible Children, Inc. and the Stop Kony movement feels suspiciously like the latter. I'll continue to read articles that challenge the organization, and if I see something that makes me legitimately concerned, I'll happily take it under consideration.
For now, though, all I see is an organization that set out to open America's eyes to an atrocity that – for most of us – had been completely invisible. They've succeeded in that. I applaud their efforts, and I am excited to see what happens next.
Tags: central african politics, diatribes, Stop Kony


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Had you asked us a week ago if popchips could do wrong, we would have answered with a fervent, and loyal "no!" You see, we are totally mad for the somewhat healthy chips, and have been for quite some time. Alie's loyalty even runs so deep that she knows which mini marts and gas stations in her neighborhood carry the flavor she likes best. True Story.
So we were disappointed, but more so, aghast, when we heard the news story that popchips had released a commercial with Ashton Kutcher playing a Bollywood director, brownface and all. Aside from wondering where the hell Mr. Kutcher's handlers were when this decision was made, we were thoroughly confused as to why popchips would have even wanted this tacky display of obvious racism and just plain old bad taste.
Everyone knows that celebrity endorsements are a necessity in today's overly commercialized world, but some of the endorsee's decisions make us scratch our heads and wonder if the ad agency who came up with the idea wasn't perhaps smoking the good sh*t. Here are a few of our favorite celebrity food endorsements that would have gotten some junior exec fired from Sterling Cooper Draper Pryce faster than you could say "WTF???"
Ozzy Osbourne: I Can't Believe It's Not Butter
You can't believe it's not butter? Cause we can't believe it's the "Prince of Darkness" endorsing this butter substitute. Are we the only ones that wonder if that poor bat whose head he bit off would have tasted better with a little "fresh butter taste?"
Criss Angel: Orville Redenbacher Popcorn
While we admit that the commercial is a pretty good one, we're still confused as to why magician Kris Angel is involved. If you control magical realms, wouldn't you snack on ambrosia or unicorn jerky? Also, those pop-up bowls are the worst. Ask my kitchen floor, which got a popcorn shower while I was trying to open the package. Apparently, it takes a nimble-fingered magician to master the product.
Al Pacino: Vittoria Coffee
In what may be the most awkward commercial we've ever seen, legendary actor Al Pacino sings, or rather, gruffly speaks, the praises of a brand of coffee from Australia. We can only assume that Mr. Pacino isn't hurting for money, so he must legitimately enjoy said coffee, right? We only wish that there had been a scene, ala Scarface, with Pacino jamming his face into a mound of ground coffee…how rad would that have been? Have Vittoria's people call our people.
Paris Hilton: Carl's Jr
Washing her own car and eating huge, calorie laden burgers are probably two of the last things you would equate with Paris Hilton, but apparently the ad execs at Carls Jr felt otherwise. We only wish there was an alternative, reality-based video of this commercial, as we can only daydream about how comically unsexy this would be. (Paris eats two bites of a salad while a servant buffs her Bentley.) Perhaps we should take on the challenge and make a "real girls eating burgers and washing their cars" video. At least we could hose the mustard off of our faces when we were done.
Padma Lakshmi: Carl's Jr
Okay, it probably seems like we have it out for Carl's Jr, but to be totally truthful, Georgia has never in her life refused a Western Bacon Cheeseburger and probably never will. But this is Georgia we're talking about, not Top Chef's Padma Lakshmi, who has a cookbook devoted to low-fat recipes. Also, are we the only ones who give the side-eye to the whole "sneaking out to eat a giant burger before normal dinner" theme going on here? Binge much?
Benicio Del Toro: Magnum Gold Ice Cream
What does actor Benicio Del Toro, robbery, and ice cream have in common? If you, like us, answered "nothing," then apparently you don't work for the marketing team behind Magnum Gold Ice Cream.
Alie Ward and Georgia Hardstark are best friends who met outside a tragically hip dive bar in Los Angeles. Together, they created the cocktail abomination called the McNuggetini. You can find them on Cooking Channel stirring up Drinks with Alie and Georgia, getting schooled on Classy Ladies and devouring desserts for Unique Sweets. Find out more about them here.
More from Alie and Georgia:


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(c) Within 120 days of the date of this directive, the president's Intelligence Advisory Board shall provide me with a report identifying options for assessing the distinction between metadata and other types of information, and for replacing the "need to share" or "need to know" models for classified information sharing with a Work-Related Access model.
(d) Within 1 year of the date of this directive, the DNI, in coordination with the heads of relevant elements of the IC and OSTP, shall provide me with a report assessing the feasibility of creating software that would allow the IC more easily to conduct targeted information acquisition rather than bulk collection.
Sec. 6. General Provisions.
(a) Nothing in this directive shall be construed to prevent me from exercising my constitutional authority, including as commander in chief, chief executive, and in the conduct of foreign affairs, as well as my statutory authority. Consistent with this principle, a recipient of this directive may at any time recommend to me, through the APNSA, a change to the policies and procedures contained in this directive.
(b) Nothing in this directive shall be construed to impair or otherwise affect the authority or responsibility granted by law to a United States government department or agency, or the head thereof, or the functions of the Director of OMB relating to budgetary, administrative, or legislative proposals. This directive is intended to supplement existing processes or procedures for reviewing foreign intelligence or counterintelligence activities and should not be read to supersede such processes and procedures unless explicitly stated.
(c) This directive shall be implemented consistent with applicable U.S. law and subject to the availability of appropriations.
(d) This directive is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.
Read more about wide area network in Network World's Wide Area Network section.
This story, "Full text of Obama's intelligence directive regarding NSA reforms" was originally published by Network World.


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The BBC announced The Life Of Muhammad (saas), the prophet of 1.5 billion Muslims across the world, a three-part series presented by Rageh Omaar for BBC Two.
In a first for British television, from the director/producer of the acclaimed Seven Wonders Of The Muslim World, Faris Kermani (Crescent Films), The Life Of Muhammad (saas) charts the extraordinary story of our beloved Prophet (saas) who, in little more than 20 years, changed the world by the leave of Allah.
In a journey that is both literal and historical, Rageh Omaar travels to the place of Hazrat Muhammad (saas) birth to re-trace the actual footsteps of the Prophet; from humble beginnings in Mecca, to his struggles with accepting his Prophetic role, his flight to Medina, to the founding of the first Islamic constitution, and his subsequent military and political successes.
Rageh Omaar says: "I am extremely pleased to be presenting this exciting and groundbreaking series about this extraordinary man, Muhammad (saas) – the Prophet of Islam. The details of Muhammad"s life really are little known, and I hope that my series will – for many – shine a light on the very beginning of Islam, taking viewers to the heart of this faith, illustrating just how Muhammad"s life and legacy is as important today as it was a over a thousand years ago."


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Former inmates abruptly freed after spending up to six years in federal prison even though they were "legally innocent" are coming home with less help than the government typically provides the guilty after they are released.
Most of them have received little more than a bus ticket. Federal law does not require the government to help them search for jobs or find basic necessities such as clothing and a place to live, assistance the guilty routinely receive during their post-prison supervision, partly to keep them from returning to crime.


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Man faces child abuse for sitting on baby's head
Published: Tuesday, July 23, 2013 at 12:04 p.m.
Last Modified: Tuesday, July 23, 2013 at 12:04 p.m.
DELAND — A 24-year-old man is charged with child abuse after sitting on his baby's head to try to stop him from crying.
Investigators say Jonathan Savas showed up at Irene Hossain's mobile home last Thursday with his 10-month-old child. When the baby wouldn't go to sleep, DeLand police officers say Savas put him face down on the couch, sat on his head and held him down.
The Daytona Beach News-Journal reports Hossain tried to intervene but Savas told her the baby was his and he could "do whatever I want." Eventually Savas got up.
Savas told police he was trying to get the baby to go to sleep.
Savas remained in the Volusia County Jail Tuesday morning on $50,000 bail.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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A Fourth of July à la française
September 19, 2012
By Laura Doolin '13
As an American, July 4 is one of our most patriotic and celebrated days of the year. As an American living in France, however, the day is quite a different experience. There were no barbecues, parades and not even a single burst of fireworks. But don't feel sorry for me; my Fourth of July was better than any barbecue or parade could have ever been.
As in intern for the United States Consulate in Rennes, France, I had the pleasure of organizing an Independence Day celebration for the entire northwestern area of France. Together with Consul Rob Tate and the rest of the consulate team, we hosted over 200 people at the city hall in Rennes to celebrate America's independence.
The Consulate in Rennes serves to assist the roughly 10,000 American citizens living in northwestern France, as well as relations between American and French businesses, which are already quite prevalent. The Consulate also participates in the organization of various cultural exchanges and exhibitions. With a small team of three staffers, I've had the opportunity to play a large role in the duties of the Consulate. From organizing business meetings, to attending ceremonies and to planning the July Fourth celebrations, my job description is really quite broad.
With majors in both international studies and French, my internship with the State Department has really given me the opportunity to further develop my understanding of both majors in a professional setting. Not only am I getting to view diplomacy in action with a longtime American ally, I have the opportunity to speak and improve my French while doing so.
After weeks of planning, it was finally time for the holiday. I arrived at city hall to assist the caterers and musicians in their preparations, and fully expected to be led into a standard banquet-type room. However, I was in for quite a shock. The party was held in one of the most elegant rooms I have ever seen. There were crystal chandeliers, gold trimmed furniture and mirrors on every wall, not to mention the beautiful view of the Opera across the square. After I picked my jaw up off the ground, I got to work preparing for the day's celebration.
Around 6:30 p.m., guests started arriving. They ranged from English professors at the local university to political figures of the area. The Consul gave a speech that described the long friendship between France and the United States, dating back to the Revolutionary War and continuing today with shared economic and social values. The speech was followed by a reception that served a variety of American fare from mini-hotdogs and hamburgers to chocolate chip cookies.
I couldn't tailor an internship better suited to my interests. The International Studies and French departments at Bradley have really shaped my interests, goals and dreams of working in diplomacy. My time at the Consulate in Rennes has reaffirmed my dream, and furthermore, has made that dream a reality.


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4008 W Alva St
Tampa FL 33614
- (813) 877-1089
- Fax:(813) 875-8837
Bay Stage Live is a family business since 1957, specializing in Live Events and Creative Design. Bay Stage Live has been and will always be a leading provider of entertainment technologies, known for our vast rental inventory. Within our complex you will find our state of the art Dream Theatre; the only one of its kind in the Tampa Bay area, which utilizes the latest innovations in 3D visualization software. Our world class staff of lighting designers, event producers, and production support will customize your experience one idea at a time.
Loading Map test


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SAINT LEO, Fla. - The 2013 Sunshine State Conference Cross Country Championships will be held on Saturday, Oct. 26 at the Abbey Golf Course in Saint Leo, Fla. Saint Leo University is serving as host for this year's event.
The championship event will begin with the men's 8K race at 7:45 a.m. The women's 6K race will follow at 8:30 a.m.
The men's event will see six institutions in competition, including Florida Southern, Florida Tech, Nova Southeastern, Rollins, Saint Leo and Tampa. Those same schools will also compete on the women's side with the addition of Lynn, who is in its second year of competition.
Tampa's women's team and Florida Southern's men's team enter the 2013 Championships as favorites. The Spartans currently rank No. 23 in the U.S. Track & Field and Cross Country Coaches Association women's top-25 poll and also rank No. 1 in the South Region, where they have been for five of six weeks.
The Moccasins enter the USTFCCCA men's top-25 poll for the first time in week five and currently sit at No. 25. Florida Southern took over as the South Region No. 1 a week ago after sitting top-3 for the first five weeks.
On the women's side, Tampa has won the previous six SSC titles and 10 of the last 11. Nova Southeastern, who is ranked No. 3 in the South Region, is looking to dethrone the Spartans for its first championship crown. Also ranking in the South Region top-10 are Saint Leo (No. 5), Florida Tech (No. 8) and Florida Southern (No. 10).
On the men's side, Nova Southeastern captured its first-ever SSC Cross Country Championship in 2012. Tampa won it's first in 2011 to end Florida Southern's streak of 14-straight cross country conference titles. Moving up six spots in the latest USTFCCCA South Region poll to rank No. 3 is Saint Leo. The Lions look to challenge the Moccasins for their first cross country crown. Also ranking in the South Region top-10 are Nova Southeastern (No. 5), Tampa (No. 6) and Florida Tech (No. 7).
Admission to the SSC Cross Country Championships is free. The Abbey Golf Course is located across State Road 52 from Saint Leo University. A campus map, directions and parking available here.
A host site has been created on SaintLeoLions.com, which will have full coverage of the 2013 SSC Cross Country Championships.
Following the completion of both races on Saturday, fans are invited to attend the awards ceremony. In addition to the team championship trophies, the All-Tournament Team, which will consist of the top-10 finishers in each race, will be recognized. Each top finisher will also receive an individual award.


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From Bio on Findagrave.com
Cynthiana, Kentucky
Zeley or Zela Reno was the son of Major Lewis Reno lV and Elizabeth Whitledge. He was born on April 3, 1757 in Prince William County, Virginia. He grew up on his father's plantation there. Zeley became engaged to Mary Lila Chinn, daughter of Charles Chinn and Scythia (Cynthia) "Seth" Davis of Middleburg Virginia, in 1774. The court records of Fauquier County, Virginia confirm that each of the couples' parents gave their consent to the marriage. Zeley's father, for example, wrote, "Sir please to grant marrage lizen between Zeley Reno and Moley Chinn and oblige your humble servant. Lew Reno gargin."Mary's father wrote: Zeley Reno and my daughter Mary Chinn is ingaged. I desire you will grant him licens for them to marrey in so doing you will oblige your humble servant."26 July 1775, Zeley Reno and his brother Thomas Reno posted a marriage bond of 50 pounds in Fauquier County for Zeley's marriage to Mary. Zeley had inherited a small portion of his fathers plantation, 140 acres, when his father died in 1774. On 16 March 1784 Zeley sold this land to Simon Luttrell and moved to Kentucky, claiming land in return for his service during the Revolutionary War. His home was located possibly along the Green River near Cypress Creek. Anyway, we know that he lived near present day Cynthiana in Harrison County, Kentucky though it was then Fayette County, which had been formed from Virginia in 1780 and became Bourbon County in 1785. The state of Kentucky was formed from Fayette, Jefferson and Lincoln County, Virginia in 1792. In 1787 Zeley and Mary, sold their land in Bourbon County to Thomas Whiteledge who was undoubtedly a relative through his mother Elizabeth Whiteledge. He evidently obtained other land in the county, because he appears in the 1810 Census of Bourbon County and the tax records of that year state that he owned 50 acres.


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Forum:Wikia acc
From Uncyclopedia, the content-free encyclopedia
Note: This topic has been unedited for 2117 days. It is considered archived - the discussion is over. Do not add to unless it really needs a response.
I'm sorry, I've never edited Uncyclopedia before. However have a Wikia account, and it's not letting me log in. Do I need a separate account or am I just entering my info wrongly? 188.8.131.52 19:04, November 4, 2011 (UTC)
- Yeah, you have to make a new account here. The databases are separate. ~ 19:21, 4 November 2011


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Is there a difference?
English Teacher
Is there a difference?
I never use the progressive form, but think it's fine.
"I look forward to hearing from you" seems to me to be more formal, while "I am looking forward to hearing from you" seems to me to be friendlier and less formal.
Of course, it could just be me.
I'd use the progressive form in speech, probably for the same reasons, often in the form 'really looking forward'.
I would like to say that this progressive type refers to the future sense mor than the present simple . I prefer using " i'm looking forward to
hearing................ withbest wishes.
dear saleemabu,
i think the sentence : I look forwad to hearing from you , makes more sense than the other one because after "TO" comes the verb with -ing.
try to explor the other polls about what comes after look forwad to...
after all,
they all complete the same meaning
I think 'Iam looking forward to hearing from you' is formal when u write letter, when u speak both are ok. But my english is not well
To me, the difference would be:
"I look forward to hearing from you" - present simple, so the "looking forward" is happening at the time of writing.
"I am looking forward to hearing from you" - present continuous, so the "looking forward" will carry on in the future from the point of writing, therefore making it friendlier.
I would think that the first appears more formal, and would be used in a business context, whilst the second appears to be a more personel form and would be used with a friend or colleague.


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Kids as young as 10 years old are registered sex offenders in the grest USA.
Yeah typically, some twelve year old girl sends a naked image of herself to a classmate she likes, the recipient gets caught with child pornography on his cell phone, marked for life he is, possibly effecting future job prospects and his entire life really. The horrors of a court trail are often in there somewhere.
What a shame.
What a terrible same.
What a disgusting, insane nation.


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The Big Books to Give Your Dad
Exactly what's always been lovable about Hot Chip — the way a sense of handmade humanity shines through the zeros and ones — reverberates louder than ever on the British quintet's fifth record. Centerpiece "Don't Deny Your Heart" sounds like what might've happened had Prince and the Talking Heads spent 1989 together in an R&B band. Or maybe it sounds like what Miami Sound Machine might have if they came along ten years later than they did. The fact that the song's core — comically exaggerated synthesizers and percussion — might be as much a gag as it is some sort of tribute to trashy early-'80s post-disco, well, that also makes it human. But whether they're goofing, or just coming from a place of nostalgia, isn't actually important: Each of the tune's four sections build into undeniable sing-alongs. There's an ambition, and payoff, here that makes this anything but paint-by-numbers dance-pop.
Fifteen years ago, the Old 97's Rhett Miller busted out alt-country's best boast ever: "My name is Stuart Ransom Miller, and I'm a serial lady-killer/She said I'm already dead." Ever since, with the exception of perhaps Elvis Costello and Jay-Z, nobody in pop music has been as reliably scholarly — and clever — about deconstructing our language. So while a textbook breakup may be the emotional core of this tune, its intellectual sensibility is the payoff. Listen carefully for the title's double meaning, as in falling out of love or doing something motivated by love.
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"Hi, I'm an intermediate player that used to be better. As I've been getting back into the game I've only had beginners to hit with. I need better players to hit with if my game is to improve. I live in Hillsborough where there are…"
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Nexus 4 is free on T-Mobile until Sunday, but it's still a bad deal
0. phoneArena posted on 22 Feb 2013, 17:09
We were actually a bit torn about whether or not to put the "deals" tag on this post, because in some ways it is a special deal, and in others, it really isn't a deal at all. Either way, we wanted to let you all know that you could get a Nexus 4 for free on T-Mobile, and the deal runs until Sunday. Of course, now we feel obligated to break down this supposed "deal"...
This is a discussion for a news. To read the whole news, click here
1. cjjohnson86 (Posts: 29; Member since: 05 Jan 2012)
Take note all of you who love contracts.
4. gmracer1 (Posts: 646; Member since: 28 Dec 2012)
I love contract..................................end dates
7. menny07 (Posts: 89; Member since: 13 Dec 2012)
iSee what you did there :D
11. PapaSmurf (Posts: 10457; Member since: 14 May 2012)
I'm on their value plan with my GS3 paying $120 for 2 phones with unlimited EVERYTHING. :)
2. RORYREVOLUTION (Posts: 3117; Member since: 12 Jan 2010)
Why anyone wouldn't just save up a little bit of money and buy it OFF contract through Google directly is beyond me. Oh look I just saved 100-200 dollars, is it worth that 2 long painful years?
3. _PHug_ (Posts: 463; Member since: 11 Oct 2011)
I've tried to break this down to so many people over the past 2 years.
I eventually gave up.
5. denney (Posts: 98; Member since: 20 Oct 2011)
Same boat man. No one seems to understand. I have a friend that has a little less that a year left on his 4gig, 2 line contract with verizon. There was so much math going on, but I eventually proved that even if he initiated an early termination on his contract he would make up for it in under 2 years on a tmobile value plan. Needless to say, he is still wasting money as a verizon customer.
9. sectime (unregistered)
Yeah because Tmobile coverage and LTE is just like Verizons.
Saving money is good but staring at that E is not.
16. richardyarrell2011 (banned) (Posts: 510; Member since: 16 Mar 2011)
I had 2lines on Verizon kicked them to the curb in June 2012. Joined Tmobile brought the Galaxy S3 then in November purchased the Galaxy Note 2. Tmobile pimp slaps Verizon here in New York City that's for sure. I haven't looked back tmobile is a great network.
10. RORYREVOLUTION (Posts: 3117; Member since: 12 Jan 2010)
It also depends on your location and service in that location. I'd be all on the T-Mobile train if they didn't just have 2G in my area. Sure data speeds might not matter to some, but to others it's everything...
12. PapaSmurf (Posts: 10457; Member since: 14 May 2012)
20+ mbps here in Chicago with T-Mobile bud. :)
14. RORYREVOLUTION (Posts: 3117; Member since: 12 Jan 2010)
And trust me when I say I'm jealous lol
8. scsa852k (Posts: 331; Member since: 16 Oct 2012)
When it comes do Nexus 4, getting it free on 2-yr contract is beyond stupidity.
But when it comes to other high end phones, a lot of people opt to go with 2 year contract even if they'll be eventually paying more after 2 years.
"I don't wanna pay $700 bucks for a phone!" and they choose to pay $20~30 extra each month for 2 years
17. parkwaydr (Posts: 572; Member since: 07 Sep 2011)
Contracts are a rip off.
18. bbdol (Posts: 19; Member since: 27 Oct 2011)
I use to love phonearena, but I suppose it's part of a natural life-cycle to see a tech news feed site fall apart.
Instead of reading curious, well written, and open-minded articles I'm presented with bias in the header and throughout the body. This article is full of rage and tension that makes it hard to read.
Leave while this site still has it's credibility, John V. Thanks for the good reads of the past. And thanks, phonearena, for paving the way at the dawn of the touchscreen handset revolution.
20. MichaelHeller (Posts: 2720; Member since: 26 May 2011)
I'm sorry, but where is the bias? A claim of bias would presume that what I've said isn't accurate in some way.
You can get a Nexus 4 for free on contract, but that makes no sense as it is cheaper to go the other route. That's not bias, that's making sure our readers don't think a deal is better than it is.
19. ChafedBanana (Posts: 394; Member since: 20 Sep 2011)
No thanks. I actually DON'T LIKE being contractually obligated to a carrier, paying more money, and dealing with mail-in rebates.
25. JewBakaUCFG (Posts: 176; Member since: 25 Sep 2012)
All pokes and jabs aside, this really made me laugh.
26. AceStorm1249 (Posts: 14; Member since: 16 Feb 2013)
For t-mobile its smart because as soon as ppl see "free" they'll buy it and then be mad when one of their friends has the same device but costs less...
27. p.johanna (Posts: 1; Member since: 23 Feb 2013)
It is interesting to read those that put down a service thinking someone is poor or cheap. The question is, what will they do when Big Red stops offering subsidized phones? As a matter of fact TMO is also going that route. They will offer you to pay $600 over payments when the same phone is sold at $350, and still lock you in a contract.


text:
A single asian male between the ages of 18-35 who frequents the gym, 18+ bars, and your slutty ex-girlfriend's bed. He has biceps bigger than his head and doesn't lift legs because it makes his penis look smaller than it already is. His relationship with God is just as good as the one with his tattoo artist. Preferred drinks are saki bombs and seoul trains.
"Omg Hil, did you see that asian guido that works at the suishi restaurant down the street? He asked for my number before he asked if i wanted ginger and wasabi."
"Omg Karen, asian guidos are totally your type."
"Omg Karen, asian guidos are totally your type."
by vodkacupcakes December 14, 2013
The Urban Dictionary Mug
One side has the word, one side has the definition. Microwave and dishwasher safe. Lotsa space for your liquids.Buy the mug


text:
Britney Spears With Sons in Croatia Pictures
Britney Spears Brings Sean Preston, Jayden James, and Her Parents on Tour in Croatia
Britney Spears had both her parents, Lynne and Jamie Spears, as well as her two sons, Jayden James and Sean Preston, along for an afternoon checking out the sights in Croatia over the weekend. Britney recently kicked off the European leg of her Femme Fatale tour, and she tweeted about her love for Croatia after her show on Saturday. She's already off again, and tonight she'll be taking the stage in Zurich, Switzerland. The tour is going well; though, last week Britney landed herself in a bit of hot water while filming her "Criminal" music video in London. Britney had to issue an apology when the neighborhood's police department got upset over the video's gun wielding and "lawless" themes in the wake of the UK riots earlier this year. Hopefully, it will all be smoothed over before her series of shows in England at the end of October.