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Ethics and Standards - Standard I-B: Independence And Objectivity
Members and Candidates must use reasonable care and judgment to achieve and maintain independence and objectivity in their professional activities. Members and Candidates must not offer, solicit, or accept any gift, benefit, compensation, or consideration that reasonably could be expected to compromise their own or another's independence and objectivity.
Reasoning behind Standard I-B
This Standard addresses the integrity of the investment process and revisits the dangers inherent in a conflict of interest.
In the investment industry, portfolio managers and analysts are subject to temptation in the form of perks and favors such as lavish gifts, additional compensation and bonuses, tickets to sporting events or sold-out shows, luxury hotel and resort accommodations and so on. These favors are provided as a quid pro quo (either explicit or implicit) by which the analyst or manager is pressured into buying a particular security or changing a recommendation to the provider of the money or gifts. These arrangements (those that have been uncovered) have given the money management profession an unsavory reputation, and it is the goal of the CFA Institute to promote higher ethical standards.
Pressures from Other Departments
Another common practice that violates this Standard, but which seems somewhat less egregious on the surface (as it doesn't explicitly involve money), is the pressure placed on research and investment professionals by sources from other departments within the same company. For example, a large financial services outfit is likely to have an investment research wing, as well as a corporate finance wing that is primarily interested in facilitating relationships with companies for underwriting new issuances of debt or equity (as an example). When the research department is carrying a sell recommendation (or even a hold or anything less than a strong buy) on that company, the underwriting department wants to know why its "brothers and sisters in arms" are not doing more to "help the company's cause". Such a situation can be stressful and uncomfortable, as everyone feels the sense of duty to employer.
Conflicts Between Standard I-B and IV
An entire section (all of the ideals under Standard IV) of the Standards of Professional Conduct is devoted to the responsibilities we owe to our employer. However, Standard I-B highlights the responsibility to craft investment recommendations and maintain investment processes that are not subject to any such outside influences. As those two ideals are in conflict with each other, CFA Members and Candidates are guided in their conduct by a recommended course of action that strikes an appropriate balance.
The discussion under Standard IV-B, "Additional Compensation Arrangements", discusses the inherent conflict of interest in receiving gifts and entertainment from external sources. At the same time, a total and complete ban on accepting anything from anyone seems excessively cautious. The Handbook suggests that members may accept modest gifts, which it specifically defines as being anything worth less than US$100, as long as they do not affect objectivity.
More on Gifts and Perks
Another important note to remember about gifts and perks is that they are viewed differently depending on the source. In particular, gifts and perks from companies or other entities that could be seeking to influence the actions of the CFA member are seen as a direct challenge to independent and objective conduct, and they are thus generally regarded as a potentially more serious violation. Gifts from a client, by contrast, are seen as less likely to affect one's independence and objectivity. To be sure, even these gifts are enough of a concern to have necessitated the creation of Standard III-D, requiring full disclosure in these matters (if the gift exceeds US$100 in value). In any case, the CFA member or candidate must ask whether receipt of the gift will compromise the ability to remain objective and make independent judgments.
Applying Standard I-B
Complying with standards of independence and objectivity seems simple and straightforward in theory, but in practice there are many scenarios that could potentially conflict with one's objectivity - or create the appearance of doing so. In many cases it is not so easy to define the proper course of action. Here are some of the situations that are more likely to appear on the exam:
- A company sponsors an analyst conference and picks up all the expenses. Consider a situation where a firm invites all Wall Street analysts who are actively covering its company to go on an all-expenses-paid trip to tour facilities, play golf, stay in a swanky resort and so forth, all in the hopes of promoting itself and earning more favorable coverage. For analysts bound by the Code and Standards, would this sort of outing compromise their objectivity? The answer is that it just might. This Standard requires CFA members to assess if such an outing is possible while still maintaining objectivity - would they still be able to write an unfavorable opinion, if warranted by independent analysis? Many firms have created policies that require attendance at such affairs to be paid by the firm and require the itinerary to be substantially business-related as a condition of attending. No specific checklist of right and wrong is written into this Standard, but the mere appearance of conflict is a real issue in today's environment and one must be sensitive to perception.
- A financial firm promises to provide research coverage of a company's stock in return for a potential business relationship. This agreement is acceptable so long as there is absolutely no requirement to make the recommendation a favorable one. This standard requires that any conclusions be made in an independent and objective manner.
- In the previous example, the relationship manager asks for a favorable recommendation for the new corporate client. This case would violate Standard I-B. If the relationship manager is concerned that an unfavorable research opinion will adversely affect the cultivation of this relationship, the research department would need to restrict the company from analyst coverage and only provide factual information without any specific recommendation. Under no circumstances can the corporate client be seen as "buying" a favorable analyst opinion.
- A research analyst assigned to a new sector is told by the director of research not to change the investment opinion on a certain company. This type of supervision would violate the analyst's requirement to reach an independent conclusion. If the analyst is a CFA Member or Candidate, he or she should proceed by informing the supervisor that he or she is bound by the Code and Standards, and that such a restriction is not permitted by the Standard on Independence and Objectivity. Another approach would be to study the company, reach an independent conclusion and share this opinion with the director of research, but leave it to the supervisor to decide the appropriate course of action.
- A portfolio manager receives an expensive vacation package from a brokerage as a sign of gratitude for all the business. Accepting such a perk is a violation, as it compromises the manager's objectivity in regards to choosing brokers that suit the best interests of the clients and the firm (the broker offering the best execution, for example). This manager would be in compliance with Standards if he or she disclosed the perk in writing to his or her immediate supervisor. If the firm required this manager to refuse the vacation package, he or she would be required to abide by the decision of the firm.
- A portfolio manager is sent two extra tickets to a local baseball game (face value $30 each), complements of the same brokerage. Given the rule of thumb that gifts lower than US$100 are perceived as sufficiently modest and are thus acceptable from both clients and business partners, the portfolio manager would not be violating Standard I-B, even if the perk went unreported. At the same time, it's a sensible practice to disclose even gifts of this nature - the Standards of Professional Conduct describe minimum standards, but staying in the habit of full disclosure should always be the preferred course of action.
- A CFA member who is also a member of the local society of financial analysts solicits corporate financial support for an investor conference and issues research reports on some of those same firms. Research opinions must be unbiased. However, when an analyst takes on an outside role, how will these secondary activities influence the research? If a firm pledges generous support to this analyst, will the analyst's future research reports become more favorable? If another firm declines support, will a report on that company be less favorable? The best course of action would be to trade the coverage of those firms with a colleague, or to ask to be excused from seeking sponsors.
How to Comply
The Standards of Practice Handbook provides a number of operational suggestions that one should recommend for adoption by the compliance department.
- Highlight the integrity of the research
- - Establish that research opinions reflect unbiased opinions, and include this wording on all written reports. Salary and bonuses should be independent of any factors that might compromise the degree of independence - i.e. don't tie a quarterly bonus to the fees collected from corporate relationships (which can be affected by a stock recommendation).
- Disclose conflicts of interest - For example, a directorship in a public company would need to be acknowledged by the employer, as this fact may affect research opinions of that company and of competitors. Research reports should disclose whether the analyst owns shares in a company and whether the analyst's firm makes a market in that security or has underwritten the security.
- Limit direct investments in equity or equity-related IPOs - Investment firms should establish formal policies relative to employee purchase of equity and equity-related IPOs and require prior approval.
- Report holdings - Report holdings in all personal accounts, those of one's immediate family and those over which the analyst has formal discretion (e.g. trusts).
- Establish a restricted list - This is to limit research on those firms that have a business relationship with that company. If an adverse opinion would hurt this business relationship, the company stock should be restricted from the research universe, and only factual information on the company should be disseminated.
- Cost reimbursement procedures - Identify what is acceptable and what is unacceptable practice in order to avoid the appearance of a conflict. While there is no specific checklist in the Standards, the general rule of thumb is that air transport, ground transport and hotel accommodations should be the responsibility of the individual and his or her company, and should not be covered by (for example) the issuer of a security that an analyst has started to cover. The reason that no checklist has been developed is that there are always exceptions - for example, if the issuer of a preferred security is an energy company that is headquartered in a sparsely populated area (near its coal mines) and commercial transport is not available, and the only practical way to arrange a face-to-face meeting is by using a corporate jet, then an analyst can accept such an arrangement without violating this Standard.
- Limit gifts - Gifts should be limited to a maximum value of US$100.
- Periodically review guidelines - This is to reinforce dos and don'ts for all employees and determine whether additional guidelines are sensible.
- Compliance Officer - Firms should appoint a senior-level compliance officer who ensures the code of ethics and all regulations are upheld.
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Fantastic Stories Presents: Science Fiction Super Pack #1The editors at www.fantasticstoriesoftheimagination.com present Fantasy and Science Fiction from the Present, Past, and Future. The Cold Calculations by Michael A. Burstein, They Twinkled like Jewels by Philip José Farmer, Lingua Franca by Carole McDonnell, Dawn of Flame by Stanley G. Weinbaum, Don't Jump by Jamie Wild, Youth by Isaac Asimov, Digger Don't Take No Requests by John Teehan, Lighter
$4.99I Remember the Future: The Award-Nominated Stories of Michael A. Burstein includes the following stories (plus author notes preceding each story and a special introduction from Analog editor Stanley Schmidt): 1. "TeleAbsence" (Analog, July 1995) • Nominated for the 1996 Hugo Award for Best Short Story • Winner of the Analytical Laboratory Award for Best Short Story of 1995 • Winner of the Science
The 10th Science Fiction MEGAPACK ®Welcome to the 10th Science Fiction MEGAPACK™! This time we present 30 stories (including several full-length novels) by some of the biggest and best in the science fiction field, plus 2 poems and the first (of 3) installments in our first novel serial. From David Gerrold's "The Martian Child" (winner of the Hugo Award, Nebula Award, Locus Award, and HOMer Award) to brand new works published here
The 17th Golden Age of Science Fiction MEGAPACK ®: Alan E. NourseThe Golden Age of Science Fiction MEGAPACK™ series showcases great science fiction authors whose work might otherwise be forgotten. This time we focus on Alan E. Nourse, medical doctor and science fiction author, who paid his way through med school with his writing. He may be most famous as the author whose title was "borrowed" for the movie Bladerunner...though the movie was based on Philip K.
The 16th Golden Age of Science Fiction MEGAPACK ®: 18 Stories by William C. GaultWilliam Campbell Gault (1910–1995) was an American writer. He wrote under his own name, as well as (among others) the pseudonyms Roney Scott, Larry Sternig, and Will Duke. He is probably best remembered for his sports fiction, particularly the young-readers' novels he began publishing in the early 1960s. Gault was also an acclaimed mystery writer. He was not limited to sports and mysteries, though
The 18th Golden Age of Science Fiction MEGAPACK ®: Jerome BixbyJerome Bixby was an American short story writer, editor and scriptwriter, best known for his work in science fiction. (He also wrote many westerns and used the pseudonyms Jay Lewis Bixby, D. B. Lewis, Harry Neal, Albert Russell, J. Russell, M. St. Vivant, Thornecliff Herrick and Alger Rome). He is most famous for the 1953 story "It's a Good Life" which was the basis for a 1961 episode of The
The 21st Golden Age of Science Fiction MEGAPACK ®: 25 Stories by Edward WellenEdward Wellen (1919-2011) was a writer primarily of short stories, most in the mystery genre. However, he penned a not-insubstantial number of science fiction over the course of his career -- starting (sort of!) with a "non-fact article" "Origins of Galactic Slang" for Galaxy magazine. This MEGAPACK™ collects 25 of his best tales from those early years...plus a few later tales as well. Included
The 19th Golden Age of Science Fiction MEGAPACK ®: Charles V. De Vet (vol. 2)Charles V. de Vet wrote more than 50 short stories for science fiction magazines, beginning with "The Unexpected Weapon" for Amazing Stories in September 1950 (included here). After a several year hiatus, de Vet became active as a writer again in the late 1970s and early 1980s. This collection focuses on his early, more adventurous works. Included in this volume are: SPECIAL FEATURE SEEDLING ALIEN
The 14th Golden Age of Science Fiction MEGAPACK ®
17 Stories by Charles V. de VetCharles V. de Vet wrote more than 50 short stories for science fiction magazines, beginning with "The Unexpected Weapon" for Amazing Stories in September 1950. After a several year hiatus, de Vet became active as a writer again in the late 1970s and early 1980s. This collection spans the length of his career, showcasing his talents for vivid characterization and exciting storytelling. Included in
The 20th Golden Age of Science Fiction MEGAPACK ®: Evelyn E. SmithDuring the 1950s, Evelyn E. Smith regularly published science fiction in magazines like Galaxy and Fantastic Universe. Her stories ranged from post-apocalyptic satires to adventure to humor. She also wrote four science fiction novels, which chiefly deal with questions of gender identity. Like all of her work, they are characterized by their sharp wit. At her best, she was the equal of anyone --
The 15th Golden Age of Science Fiction MEGAPACK ®: H.B Fyfe, Vol. 2H.B. Fyfe published dozens of science fiction stories during his three-decade career as a writer. Included in this volume are 16 of his best, originally published in classic science fiction magazines like Astounding Stories and Planet Stories. Included are: LOCKED OUT COMPROMISE CONFIDENCE CONFORMITY EXPECTED IN VALUE DECEIVED AFTERTHOUGHT EXPERIMENTUM CRUCIS IMPLODE AND PEDDLE KEY DECISION
The 22nd Golden Age of Science Fiction MEGAPACK ®: Robert Moore WilliamsRobert Moore Williams (1907–1977) was an American writer, primarily of science fiction. He wrote not only under his own name, but as John S. Browning, H. H. Hermon, Russell Storm and E. K. Jarvis (a house name shared with other writers). Rereading his work in preparation for assembling this volume, we were impressed by how well much of his fiction holds up today. His writing style is smooth and

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Oak Park leads Nicor Gas challenge
Residents can participate through April 30
By Anna Lothson
Oak Parkers have the chance to save money and help their community by putting $25,000 in the pocket of a local nonprofit.
As part of the Nicor Gas Energy Efficiency Program Community Challenge, the West Cook YMCA was chosen to be Oak Park's agency competing in the program with Evanston. Oak Park is currently leading and if by April 30, when the challenge ends, the village is still ahead, the YMCA will be awarded that $25,000.
Before that happens, however, more people need to get involved. Currently, Oak Park has raised over $16,000 for the project. This has been done by residents or businesses who participate in select Nicor Gas Energy Efficiency Programs that rebate funds back to the program based on how people participate.
Residents can get involved in six ways: Multi-Family Home Energy Savings, Home Energy Savings, Home Energy Efficiency Rebate, Energy BUZZ, Business Energy Efficiency Rebate and the Small Business Energy Savings Program. For every person or business participating in one of these programs, $50 will be awarded toward the community's final prize.
The YMCA was chosen as the organization to be the beneficiary of the challenge based on an online voting process in February. The money slated for the project, if Oak Park finishes as the leader of the challenge, will go toward installing new controls for boilers and possibly new windows to help better regulate temperature in the 1950s-era building.
The community challenge is a new initiative to help raise energy-efficiency awareness and action in two communities at a time. Energy BUZZ, for example is one of the projects being promoted right now. The free online program helps residents track energy use, save money and earn rewards. It also puts $50 in that pool to put Oak Park at the top of the challenge.
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FRANCE: Danone H1 profits down but sticks to FY goals
Danone today (25 July) reported a drop in half-year profits, hurt by weak dairy and baby food volumes, but the French group maintained its full-year targets.
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Bryan Deister — jack of all trades, master of none
Art-rock hopeful's sprawling Spines of the Heart reviewed
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Daily VideoNovember 7, 2013
Doctors, Researchers Warn of Dangerous Rise of Drug-Resistant Bacteria
The rise of drug-resistant bacteria is causing major public health concerns and prompting worries that antibiotics may soon be useless against fighting infections.
"We oftentimes think about something like antibiotic resistance as a problem that other people might have or it could happen to somebody else," said David Hoffman, an investigative journalist who reported on this issue in a recent PBS FRONTLINE documentary. "But we as a society have a looming problem that some of these bacteria, some of the harmful ones, are becoming resistant to our last-resort, very best antibiotics."
Antibiotics are different from other drugs in that they become less effective the more they are used. After being exposed to a certain type of antibiotic, bacteria can evolve in order to become resistant to it.
"These bacteria have had years and years of being bombarded with our antibiotics, in large measure because we overused them, because we took too many of them. But, as they evolve, they think of defense mechanisms to fight back," explained Hoffman.
As more and more infections become resistant to antibiotics, the post-antibiotic world is becoming more of a reality; a reality Hoffman says could look very different than the world we live in today.
"You only have to look at a time when infections were dealt with automatically by surgery. There were no antibiotics," he said. "And when antibiotics were invented and when they came along after World War II, consider what they did for modern medicine. We have sophisticated surgeries today like transplants because of antibiotics."
"We have cancer treatments that are only successful because of antibiotics. So a post-antibiotic age won't only mean the danger of infection, but a lot of things that we have innovated in medicine, a lot of the most important therapies won't be available if we don't have antibiotics."
Warm up questions
- How do we become infected with bacteria? Where are the most common places to find bacteria?
- Can you explain why we build up resistance to bacteria?
- What are the most dangerous bacterial infections?
Discussion questions
- Can you explain why we build up resistance to bacteria?
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- What might a world without antibiotics look like?
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US: Blackheath Beverage Group to handle Atlantico Rum US sales
Blackheath Beverage Group (BBG) is to extend its partnership with Atlantico Rum and serve as the brand's exclusive US sales agency.
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JAPAN: Asahi predictions for 2004 flat
By just-drinks.com editorial team | 7 January 2004
Asahi expects a flat year for its combined sales volume of beer and happoshu in 2004. The Japanese brewer said today that it hopes the introduction of a new happoshu brand will help it maintain strength in the sector.
Asahi, the top brewer in Japan, forecasts its sales of happoshu will climb by 17% to 63.5m cases this year. That should offset a 5.5% fall in regular beer sales to 141.5m cases to leave an overall gain of 0.5% to 205 million cases, it said.
In August 2003, the company cut its forecast for net profit for the business year to December to ¥21 billion (US$197.8m) from an earlier prediction of ¥26 billion. It has since reported nine-month profits of ¥21.29 billion, however.
The brewer declined to go into details on its new happoshu product, which will be launched in time for the summer season.
Asahi's annual results for 2003 will be announced in late February.
Sectors: Beer & cider
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2009-12-02Paata Zakareishvili: "Georgian Side Will Have To Release Arbitrarily Detained Ossetians"
On November 30, Human Rights Commissionaire of the Council of Europe – Thomas Hammarberg met officials of the de-facto government of Tskhinvali in regard with the release of children kidnapped from Tirdznisi village. Separatists claim that the Georgian government has arbitrarily detained about 20 Ossetian people; so, they will release adults from Tirdznisi only after the hostages are exchanged under principle - "everybody in exchange of everybody".
Heavy Hail Damaged Kakheti 132 000 GEL was allocated for the Easter Holiday bonuses of employees at the Gurjaani local self-government Underage Detainee Was Released from Tskhinvali Prison after Relatives Paid 2000 Russian Rubles By-Elections to Be Held on May 22 in Metekhi Village Strong Wind Destroyed 80% of Harvest for Lagodekhi District Population Archive
How has appointment of Giorgi Kvirikashvili on the position of prime-minister influenced state of human rights in the country?
კუდები გვაკვირვებს
ბოლო დღეების განმავლობაში საზოგადოებისთვის თვალშისაცემია კამპანია "ეს შენ გეხებას" გააქტიურება. კამპანიის ცნობილ მარკაზე გაჩნდა ახალი წარწერა - "ისევ გვისმენენ - ისევ გვითვალთვალებენ". ეს
Fragile Peace in Balkans
Hungry Commission Members and Commission Chairpersons Angry with Observers in Batumi
Villages of the Hopeless
I learned about healing water Dzuguri first several days ago. Having searched information, we learned that Dzuguri water is sold near the chain
What happened to Dream of Justice Revival?
Triggers of Prisoners' Mass Protests


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Rated 5 out of 5 by 2 reviewers.
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Introducing Prop 50, California's Lone June Statewide Ballot Measure


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New Zealand's men's tennis players struggle for a place in the spotlight but that all changes today at the ATP tennis tournament in Auckland.
As the top four seeds at the Open get first round byes, and other players are still flying in from around the world, tournament director Karl Budge has chosen to reward the Kiwi players who have posted excellent results in the qualifying tournament by putting two of them on centre court.
Sebastian Lavie, Michael Venus and Artem Sitak have all made it to the final round of qualifying, with the first two getting to play on television.
Lavie, who has a world ranking 2160, plays the 77th ranked Daniel Gimeno-Traver from Spain, so a win for the Kiwi would be one of the biggest tennis upsets.
In the second clash on centre court, New Zealand No 2 Michael Venus has a better chance against his opponent, Lukas Lacko from Slovakia.
Lacko is ranked 81, while Venus is at 401, but the Kiwi does have a big serve and if he gets it going well he could cause some trouble.
On court No 2 is the most interesting match involving a New Zealander with the country's national champion, Artem Sitak, playing America's Donald Young.
Sitak pulled off a stunning win yesterday, defeating Hiroki Kondo from Japan 6-3 6-4. Kondo is ranked 284, compared to Sitak at 564, but the Russian-born Sitak has been in form well above his ranking.
"I am really pleased with the result," Sitak said.
"It was difficult to play and the wind started picking up. It was tough to concentrate, but I think I did well. I came back from 3-1 down in both sets, started playing more aggressively and came into the net more."
Young is 96 in the world and has been as high as 38 back in February 2012. But Sitak says he'll be confident.
"We've played twice, one time was really close," he said.
"I was up a set and 3-2 and lost 6-4 in the third. The second time he beat me pretty easily, so I'm looking forward to playing in front of a home crowd, that should help me."
- Fairfax Media
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Star's wedding exposure worth multimillions
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Chinese actress and social media phenomenon Yao Chen's wedding was a massive boon for tourism in Queenstown and in New Zealand, councillors were told yesterday.
Destination Queenstown chief executive Graham Budd presented the promotional organisation's six-monthly report to a Queenstown Lakes District Council meeting.
He said Queenstown was portrayed as the ultimate destination for weddings and honeymoons in Chinese coverage after Chen married Cao Yu in the resort in November.
The Chinese actress is one of the most-followed social media personalities in the world alongside Lady Gaga and Justin Bieber.
She has almost 37 million followers on the Chinese equivalent of Twitter, Weibo.
Mr Budd's report said global market conditions were difficult and the trading environment was challenging although anecdotally this summer was pleasing.
Chen's visit dramatically attracted attention to New Zealand among Chinese media and for much of November her wedding was the hottest topic on Weibo.
"The wedding venue, the activities that Yao Chen enjoyed, places she visited, every single detail of her movements was talked about."
Her appearance on the red carpet for the premiere of The Hobbit also generated significant media coverage.
Some of the figures surrounding her visit were staggering, the report said.
Forty million discussion items registered on Weibo for the wedding had New Zealand as a keyword, her own posts generated 220,000 more posts and by the end of November Tourism New Zealand had monitored 6900 stories about the nuptials in Chinese media.
The impact of the wedding was phenomenal, Mr Budd said.
Such coverage was the equivalent of an advertising campaign in the tens of millions of dollars.
- The Southland Times
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What's open, what's closed on Thanksgiving
The Thanksgiving holiday is celebrated on Thursday.
Federal offices will be closed Thursday.
State and county offices, county and city libraries, and city halls will be closed Thursday and Friday.
Banks will be closed Thursday.
Mall and department store hours will vary.
Nonyear-round schools will be closed.
Year-round school schedules vary; check with your school district for holiday schedules. Day-care schedules may change.
Grocery stores will have holiday hours Thursday.
Most cities' trash pickups will be delayed by one day for the remainder of the week. Check with the trash-service provider handling your area.
Post offices will be closed Thursday, and no regular mail will be delivered.
OCTA buses will run on a holiday schedule Thursday. Metrolink will be on a weekend schedule and will only operate the Antelope Valley and San Bernardino routes.
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Swiss citizens oppose sharing of bank client details: Survey
Berne/New Delhi: Against the global pressure for tearing down the high walls of secrecy that surround banks in Switzerland, a majority of Swiss citizens have favoured protection of clients' financial details from third parties, and do not want the nation to yield to international pressure on this issue.
As per the survey conducted by Swiss Bankers Association (SBA), protection of financial privacy remains important for people in the country with 86 per cent of respondents believing that the financial details of bank clients must be protected from third parties.
The survey results also found that a vast majority of people do not want Switzerland to yield to global pressure.
"The Swiss do not want to be forced into any measures by foreign governments, and they expect the same from the Swiss authorities," the country's apex banking body said today while announcing the survey results.
When asked as to what the Swiss government is doing to protect bank client confidentiality, respondents in 2013 were somewhat more critical, with 38 per cent believing it is not doing enough, compared to 34 per cent in 2011.
However, the percentage of respondents favouring concessions for foreign countries increased to 31 per cent, from 27 per cent in the previous survey conducted in 2011.
The percentage of the respondents favouring continued protection of financial privacy has also come down from 91 per cent in 2011 survey.
This year's survey included an explicit question about bank client confidentiality for domestic clients and 72 per cent of respondents said they do not want to see it weakened.
"The Swiss population wants to retain bank client confidentiality for domestic clients, underscoring the fact that the Swiss still deem the protection of financial privacy a valuable asset," SBA said.
Switzerland has often been accused of providing safe haven to entities from India and other countries for their untaxed assets and retrieving any information about such funds has been mostly difficult due to strong secrecy measures put in place by Swiss banks about their client details.
India, as also many other countries, have taken various steps in past couple of years for enabling an easier flow of information from Swiss authorities about suspected illicit wealth in Swiss banks.
While Switzerland has always promised assistance on information exchange about foreign tax offenders, it has strongly refused to entertain what it calls 'fishing expedition'.
SBA said that the results of the survey reveal that "the scandalised reporting on the financial centre has done little to sway public opinion in Switzerland", as 43 per cent of respondents have a very positive or positive opinion of banks (46 per cent in 2011).
As per the survey, 52 per cent of the Swiss population still rate the Swiss financial centre as stronger than that of the UK, Singapore, Luxembourg or the US, but they recognise that international competitiveness is increasingly at risk.
However, 35 per cent of the respondents (13 per cent in 2011) fear that the competitive position of Switzerland as a financial centre is set to deteriorate.
The apex body of Swiss banks said: "These fears are being fuelled by the unresolved tax and market access issues currently being discussed with foreign authorities and governments.
"It is therefore up to the Swiss government and banking sector to find a swift and mutually acceptable solution to safeguard the competitiveness of the Swiss financial centre and to regain public trust in its ability to compete on the international stage."
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The College Press, a local and national commercial printing company for over 97 years, was purchased on May 30, by Brad Fisher and Rob Howell. While the College Press serves a diverse audience, it currently resides on the campus of Southern Adventist University in Collegedale, Tn.
The College Press is a modernized print company delivering capabilities such as digital and off-set printing, graphic design, publishing, promotional items, and fulfillment and mailing services. Its customers extend from coast-to-coast and include non-profits, small businesses, banks, hospitals, schools, and churches.
Brad Fisher, a College Press employee for 19 years, is now looking to significantly grow the company. "The whole company is excited about our future and growth opportunities," said Mr. Fisher, president and CEO.
Mr. Fisher and Mr. Howell are not only looking to grow the business through traditional print solutions, but by also integrating digital and database marketing capabilities. College Press currently employs 18 people from the greater Chattanooga area.
Prior to partnering with Mr. Fisher, Mr. Howell had worked both in Collegedale and Chattanooga for 20 years in various communications, marketing and sales positions.
The College Press will continue to operate out of its Collegedale location for the immediate future. Mr. Howell, Sr. VP and COO, said, "We made this purchase after careful consideration and prayer. We're already experiencing God's blessings."
May 27, 2016
May 26, 2016
The American Institute of Criminal Law Attorneys has recognized the performance of Tennessee's Criminal Law Attorney Clancy J. Covert as 2016 10 Best Criminal Law Attorneys for Client Satisfaction. ... (click for more)
LBMC Information Security, a division of LBMC, announces the naming of Jason Riddle as partner. "Mr. Riddle, CISSP, is an information systems security expert with broad technology ... (click for more)
Dr. Jeanne James has been named vice president and chief medical officer of BlueCare Tennessee, the Medicaid managed care subsidiary of BlueCross BlueShield of Tennessee. Dr. James will ... (click for more)
The American Institute of Criminal Law Attorneys has recognized the performance of Tennessee's Criminal Law Attorney Clancy J. Covert as 2016 10 Best Criminal Law Attorneys for Client Satisfaction. The American Institute of Criminal Law Attorneys is a third-party attorney rating organization that publishes an annual list of the Top 10 Criminal Law attorneys in each state. ... (click for more)
LBMC Information Security, a division of LBMC, announces the naming of Jason Riddle as partner. "Mr. Riddle, CISSP, is an information systems security expert with broad technology expertise and experience with a variety of industries including healthcare, financial services, and retail. Jason has over fifteen years' experience in the information technology and security ... (click for more)
Shortly before 5 p.m. , a strong thunderstorm went through downtown Dalton, knocking down numerous trees, causing power outages and also causing damage. At this time, no injuries have been reported. The Dalton Fire Department and Dalton Police Department responded to multiple reports of damage. The DPD closed several roads due to downed trees and power lines. ... (click for more)
A Memorial Day service was held at the National Cemetery on Monday. (click for more)
I have lived in the St. Elmo community of Chattanooga for practicially all 52 years of my life. My grandmother moved to St. Elmo in 1919. My Dad was literally born in a home in St. Elmo and lived his entire 72 years in this community and my Mom has lived here 60 years of her life. I am very disappointed in what my neighborhood has become. I like people. ... (click for more)
This is what I don't understand. Christians refusing to vote for anyone who is not squeaky clean and who doesn't live up to our standards. I'm not bashing Christians. I proudly proclaim Jesus as Lord and Savior. But If we made our voice known more we could have a lot greater influence than we have. And I don't mean just boycotting. I specifically mean the last two ... (click for more)


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Prosciutto-Sage Mashed Potatoes
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How can you make a Thanksgiving turkey even better? Wrap it in maple-glazed bacon first!
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NFL in talks with Apple, others over net licensing dealThe National Football League is renegotiating its Internet licensing deal which expires in May and is said to be talking to Apple and other major tech firms as it wages how much money its powerful brand is worth in cyberspace.
\"We\'re talking to a number of companies,\" an NFL spokesman, Brian McCarthy, told the Chicago Tribune. \"It\'s wide open. We haven\'t made any decisions yet.\"
Those companies include technology giants Apple Computer Inc., Google Inc., Microsoft Corp., Sony Corp., Yahoo Inc.and possibly others not considered media players in 2001.
McCarthy also left open the possibility the league would take some elements of its online content in-house.
The NFL\'s current five-year, $300 million Internet contract is largely with CBS Corp.\'s CBS SportsLine.com, which manages the NFL.com site, and, to a lesser degree, Time Warner\'s AOL unit, the Tribune reported. Its new new deal is likely will be worth \"hundreds of millions of dollars more.\"
Speculation is that the league could choose a model similar to the one CBS announced with Apple\'s iTunes days before the NCAA men\'s tournament, which allows users to download commercial-free, condensed versions of the games the day after they are broadcast on TV.
McCarthy said there \"could be something with Apple\" to resell games on iTunes after they are played.
Apple reportedly declined to comment about the NFL talks.
On Topic: General
- Energy consumption concerns loom over Apple's proposed Irish data center
- Google preps self-driving car facility near Detroit as Chrysler partnership ramps up
- China's Xiaomi shows off new $460 4K camera drone
- Apple supplier Foxconn replaces 60,000 workers with robots
- Microsoft set to axe nearly 2,000 jobs in bid to 'streamline' smartphone biz


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STAR test cheating: Students post photos on social media
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STAR test cheating: Students post photos on social media
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