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Many advisors say they are enjoying greater success today than ever, yet a large number have a tough time communicating with clients effectively and frequently, according to Pershing.
In Pershing's second annual survey, released Thursday at the group's Insite 2014 conference, 38% of advisors said their business was doing "better than ever," up from 31% a year ago.
By channel, RIAs feel strongest about their success: 41% view their practices as having robust momentum vs. 35% for wirehouse reps and 39% for other advisors.
In fact, among advisors with wirehouse and regional firms, the biggest number – 39% — say their practices are "regaining the momentum we once had," which could reflect the impact that the financial crisis, related mergers and acquisitions and regulatory fallout had on certain firms in this industry channel.
"The number one driver of rising satisfaction among advisors is the impact they have on the lives of their clients," said Kim Dellarocca, managing director at Pershing, in an interview. "This trumps financial gain."
In the latest poll, 71% of advisors say that helping clients meet their financial goals is the most rewarding aspect of being an advisor, up from 66% a year ago.
(The study includes the views of 365 reps; about 100 are RIAs, 100 work for a wirehouse or regional firm; and the remainder serve as advisors for an insurance agency, independent broker-dealer or bank.)
Client Communications
While they may be upbeat, advisors also need to find ways to improve how and when they interact with clients.
A high number of advisors reach out to clients by phone when their investments go down, 68%, or the markets go down, 58%, while only 39% call when the markets go up.
Likewise, 33% of reps will schedule face-to-face meetings with clients when investments go down vs. 21% when these same investments go up.
"Advisors often call clients around negative news and miss opportunities to call about great news," said Dellarocca. "If advisors contact clients regularly about positive news, other calls will be less awkward."
As in other human relationships, communication has to focus on both good news and bad, she notes. "This is what makes relationships more intimate and thus harder [for a client] to disrupt."
Social Media
The study finds that 53% of advisors plan to increase their use of social media in the next few years.
More than half, 52%, feel that they have not invested enough time in social media, including 11% who say they do not spend enough time listening to their clients on those platforms.
Just 4% say they strongly agree with the statement, "I actively use social media to manage my personal brand."
"With the proliferation of different touchpoints and a greater apprehension of financial risk, clients expect more frequent, tailored communications in real time, and many advisors have not yet developed a consistent communications strategy," explained Dellarocca.
Before posting on Twitter, LinkedIn or Facebook, she says, it's helpful for advisors to ask why someone would like the post.
"Does it inspire? Is it interesting? Would someone be likely to forward this information or quote?" If the answer isn't yes, then the information being shared by the advisor may not be valuable to clients or prospects and thus wouldn't increase an advisor's "social capital," Dellarocca says.
Check out Overcome Your Social Media Objections to Grow Your Business on ThinkAdvisor.


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More sub categories:
Apple Juice 5 lt. unfiltered - Luggin - Kandlwaalhof
Mature, healthy and clean fruits are washed in the in-house apple press, are chopped up and pressed. The juice is neither cleared nor is filtered, he remains natural.
Marilleler Apricot Fruit Spirit South Tyrol Line 70 cl. - Pircher
The South Tyrol produces high quality fruit. Small Marille apricots are specialities that are famous all over the world. That is why they are packed specially and are bottled traditionally in stout "apothecaries' bottles".
Muesli biscuits with apricot Vinschgau valley 200 gr. - Venustis
Muesli biscuits with apricot Vinschgau valley
Rose of The Dolomites Assorted 150 gr. - Loacker
A unique shape inspired by the Alpine Rose of the Dolomites: a small jewel of exquisite chocolate with a creamy heart waiting to be discovered...
Sextner alp cheese approx. 500 gr. - cheese dairy Sexten
Slightly spicy cut cheese, small round punching, at least 10-week ripening period.
Smoked Sausages Kaminwurzen Villgrater 3 pieces-app. 200 gr.
The Kaminwurzen (smoked sausages) are mildly smoked and air-dried sausages of beef and pork, a typical South Tyrolean speciality.
South Tyrolean farm apron blue - The South Tyrolean original
100% of cotton, highly durably with different motives
South Tyrolean Farm Bacon Bauernspeck Steiner approx. 500 gr.
The South Tyrolean farm bacon is a culinary event of the special kind. An exclusivity, only in tiny amounts available, for gourmets oriented to pleasure to whom among other things also is aware of the great importance of an adequate fat portion. The meat comes pigs who are held appropriate to the species on small-structured South Tyrolean farms and are nourished freely of genetic engineering with especially well-chosen feed. The result are the pigs who prove an especially mellow bacon.
was 85,20 €
South Tyrolean gift package "Brettljause - Marende"
South Tyrolean Raspberry Vinegar Organic 0,25 lt. - Kandlwaalhof
The raspberries cultivated according to organic-criteria are pressed by family Luggin to juice and then are carefully processed to pure vinegar. This raspberry vinegar arouses enthusiasm with a fruity raspberry aroma. He is liked very much to coloured salads.
Vinschgauer Trenker 300 gr.
In order to permit even more distants clients to taste fresh Trenker bread, modern techniques of conservation are utilised. The bread prepared with all the original ingredients is pre-baked at the bakery and packaged with care in a modified atmosphere. In this manner, the bread maintains its natural freshness and is ready for export to nearby countries.

subset: commoncrawl


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DULUTH, Ga. (AP) – Life insurance company Primerica agreed to buy back approximately 2.1 million shares of its common stock from private equity firm Warburg Pincus for just over $60 million.
Primerica Inc. said Thursday that it agreed to pay $28.74 per share for the stock, which was where it closed on Wednesday.
Warburg Pincus will own about 15 percent of Primerica's outstanding stock once the buyback is complete. Counting its warrants to buy Primerica stock, Warburg would own about 20.7 percent of Primerica's shares.
Primerica says it has repurchased about 488,200 shares of its common stock for $14.3 million before this current buyback.
The Duluth, Ga.-based company says that the current buyback will complete a $75 million repurchase program that started in the third quarter.
Its shares edged up 3 cents to $28.77 in morning trading Thursday. Its shares hit a 52-week high of $30.29 in mid-September.


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|Religious affiliation:
|Multiple Protestant Denomination
|Institution Type:
|Private not-for-profit
|Campus Setting:
|Southwest Large City
|Highest Degree Offered:
|Master's degree
|Historically Black College or University:
|Level of Institution:
|Four or more years
The campus is the size of the average high school campus. The student become friends or foes easily. The classes are only 50 minutes long, but time flies.…
Great small, family-like atmosphere. Friendly faculty and staff who genuinely have your best interest at heart. Here, you are more than just a number. …
I rate Huston-Tillotson 8 out of 10. Why? Because all of the professor are willing to help you. The campus is small(5000 students) so therefore you get to know your…
A small university main purpose to better educate kids and send graduates off with a wide variety of opportunties to suceed in life.…
Huston-Tillotson University is a very competitive institution in Austin providing various types of degree plans. The teaching staff and faculty positions are filled by well-educated individuals. Even with the disadvantage…
From past students and current student there they say that the campus is AMAZING!Read More
Over all I have enjoyed my time here but I going to transfer to a different university only because this college is to far away from home and I miss my family.Read More
a lot of my friends agreed that we will pick a college we will all go together toRead More
There are different clubs that you can join, groups to be a part of and the people here are very friendly.Read More


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In This Issue:
Feature Spotlight – Your Public Profile
One of the best features AnyMeeting offers has to be your own public profile. If you haven't used it yet, try it out, it's like a social networking page just for you that can connect and talk to your other social networks. The public profile is a great way to promote your meetings and yourself.
You can customize your page with a recent photo, links to your web site and information about yourself. The profile page can also link to your Twitter, Facebook and LinkedIn accounts. Recordings of your previous meetings are stored on your profile page as well. It's easy to fill in and only takes a few minutes. For more information, please see the AnyMeeting support site.
Customer Case Study: Self-Publishing-Coach.com
The Challenge
Self-Publishing-Coach.com is a great web site that offers resources to help and guide authors in getting their novels published. However, many aspiring authors prefer to have more step-by-step instructions on how to get it done properly. "Being a seasoned speaker and having a love for teaching and sharing knowledge, I decided to offer a "Get Your Book Published," virtual class," said Shelley Hitz Owner, Self-Publishing-Coach.com. Unfortunately, she did not have the budget to use one of the premium webinar platforms available to give her class… Read More
Tips for Better Presentations
Your Screensaver is Causing Me Problems
Screensavers are a great utility that come with every computer, serving as an entertaining way to prevent phosphor burn-in on your Cathode Ray Tube (CRT) or plasma computer monitor. I personally have a family slideshow of pictures that comes up on my computer at home. We often find ourselves watching the show whenever we walk by the computer as it is running. However, screensavers can be a nuisance when you are sharing your screen during a webinar or an online meeting.
When hosting a webinar or online meeting, there may be extended periods of time when there is no activity on the screen. If you are not careful, your computer may revert to the screensaver when screen sharing and your audience will see your family pictures or whatever screensaver (hopefully not an inappropriate one) you have set. So, before starting your webinar or online meeting, be sure to check your settings and ensure that your screensaver won't cause you any problems.
Are You in the Dark, Where are You?
A good thing to remember when you are getting ready to host a webinar and are using the video broadcasting feature is lighting. Does the room you are broadcasting from provide enough light for people to see you? Most web cameras do not broadcast well in dark rooms, so if there is not enough light, your attendees will only see a shadow of yourself. Before starting your AnyMeeting video broadcast, it's a good idea to run a system test on the computer you will be using. The test will let you see how your image will appear to those attending your meeting, and you can adjust accordingly.
Energy saving lighting motion detectors is another thing to consider. A lot of newer office buildings have installed them (I have one in my office) and if you are not moving around enough, the lights will automatically turn off.
Although they are great for controlling energy consumption in an office, they can be annoying for anyone giving a video broadcast. Since there is not a lot of movement when you are presenting, the sensor will assume inactivity and will turn out the lights on your presentation. So, if you are broadcasting from a room with one of these sensors, it may be a good idea to have an additional light source turned on so you are not left in the dark.
Ask the Editor
We are always looking for feedback and look forward to hearing from you. Please send us your comments and questions and we will address them in future newsletters. Click here to send us a question or comment.
Calling for Case Studies
We are seeking stories or case studies from companies using our service that we can share with the media and others as examples of the successful impact our service has had on companies. If you have a story of how our service was used by your company to solve a problem or help the company to succeed, please tell us about it and we can use it as a case study that might even be featured in a major publication. Click here to send us your story.


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Medical reactions to opioid-related medical diagnoses appear to vary amongst the 5 states analyzed by Fair Health, a not-for-profit that offers expense details regarding the health market and it's customers. To draw that conclusion, scientists examined the medical insurance billing codes connected with those medical diagnoses.
Illinois' leading 2 services were 15-minute doctor-office visits and injections of a drug engineered to prevent regression in patients who were reliant on opioids. By contrast, another opioid medication utilized to decrease withdrawal symptoms for patients attempting to stop narcotics, was New York's most common medical procedure prescibed to an opioid-related medical diagnosis.
Why those distinctions exist is difficult to determine, based upon the information from Fair Health, which examines claims information from insurance providers who represent more than 150 million Americans who have job-based insurance coverage or buy it themselves. The information does not include claims from federal government programs, such as Medicare or Medicaid.
The variation amongst the states might "reflect general attitudes, access to the health system and the services most readily available," stated Robin Gelburd, president of Fair Health.
Remarkably, the research study discovered that the biggest portion of medical protection claims connected to opioid abuse and medical diagnoses nationally originate from older clients– those ages 51 to 60.
This client age represented 32 percent of the services billed in rural and 25 percent in city locations from 2007 to 2016. By contrast, 19- to 22-year-olds with those exact same medical diagnoses represented 10 percent of billed services in city locations and only 2 percent in rural areas.
"This debunks the myth that the opioid crisis only affects young people," stated Andrew Kolodny, who directs the Opioid Policy Research collective at Brandeis University in Massachusetts, who did not work on the report.
Older clients can encounter dependency issues when they get long-lasting opioid treatment for persistent discomfort, he stated. With more youthful clients, he included, medical professionals are less most likely to continue to recommend opioids, leading some youths to rely on street drugs rather.
Kolodny commented that the Fair Health information might show that doctors are "increasingly getting the message that these opioids are not appropriate for chronic pain" and not continuing to write prescriptions indefinitely. That, in turn, he stated, "could mean more older people are ending up in addiction treatment."
Regarding the distinctions Fair Health discovered, in the 5 most typical services billed, Kolodny stated drawing conclusions about the reason for the variation is challenging from the information supplied.
While New York insurance providers might count on certain anti-addiction drugs more than other states since it has long been a common treatment in the state's Medicaid program. Still, California's dependence on outpatient services and drug tests amongst its leading 5 treatment codes might show the a great deal of treatment centers in the state have not gone this direction.
A 2nd research study put a dollar figure on the expense to insurance companies: From 2011 to 2015, insurance companies' payments to medical facilities, labs, treatment centers and other medical service providers for clients with opioid-related medical diagnoses grew from $32 million to $446 million.
The brand-new report reveals the 5 most typical, in addition to the 5 most pricey, treatments associated with opioid abuse or dependence that insurance companies purchased in 2016 in 5 states: California, New York, Illinois, Texas and Pennsylvania.
It's unclear why all the leading 5 billing codes in Texas related to lab tests for drugs. Maybe treatment programs there rely greatly on screening clients for making use legal drugs. Out-of-state drug screens processed by laboratories based in Texas might represent a potion of the billing.
Media Contact
Company Name: The Nation Today
Contact Person: Michael R. Thrasher
Email: firstname.lastname@example.com
Phone: (866) 954-1189
City: Las Vegas
State: NV
Country: United States
Website: https://www.thenation.today/


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24 hours a day, seven days a week, we're here for you
At First Class Plumbing and Heating we are serious about making sure your pipes and plumbing run the way their supposed to. In fact, when it comes to plumbers in the Anchorage, AK area, we're among the most relied on. This is because of our efficiency and fair prices.
Like most of life's problems, plumbing issues don't happen on a nine-to-five schedule. In fact, many plumbing problems are discovered late at night, which is why First Class Plumbing and Heating is on call 24/7! If you're in the Anchorage area, and are experiencing a plumbing emergency, or just have concerns about your current plumbing system, call us right now!
For everything related to plumbing and heating, First Class Plumbing and Heating provides a fast, one-stop solution. Call us for information and services regarding any of the following:
We are professional and fully licensed & insured. You can rest assured that First Class Plumbing and Heating means quality plumbing services in Anchorage.
Family owned and operated providing residential & commercial services. Licensed Journeyman Plumber and Boiler Operator with over 10 years of experience in Alaska. We're experienced in all manner of plumbing and heating. In addition, we use only the finest tools and equipment to ensure a job that will last. That way, you will save money and hassle with a job done right the first time. Our rates are competitive and reasonable.


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Why is Digital Media Marketing so important?
Because it is not only a growing power in the current Marketing stage, it is set to be the near future of selling, and it seems likely that Digital Media Marketing In British Columbia will soon substitute some types completely.
While older years will undoubtedly lament the death of paper-based magazines, guides, interaction techniques and conventional TV and stereo shows, those who have raised up with the internet and cell mobile phones as a God-given right are already adopting the fearless new world of electronic intake.
The information is that digital types of interaction and Marketing are quicker, more flexible, realistic and structured, so it is perhaps no surprise that once the technology became available we started quickly shifting into the Digital age. What's promising is that digital provides just as much potential to promoters as it does for customers.
Before we look at the benefits of online Marketing In British Columbia, let's take a quick overview of some of the key types of it at present:
- Websites and SEO content
- Blogs
- Internet marketing ads
- Online video content
- Pay-per-click (PPC) advertising
- Email marketing
- Social press marketing
- Mobile marketing
- Bulk SMS/Voice Marketing
We are an award winning digital marketing company in British Columbia providing creative and customized online solutions including SEO ,PPC,ORM and Social Media
DigiLawn Media Agency is a digital marketing agency made of creative technologists. We create simple and meaningful digital experiences to help customers to attract and engage with their digital marketing campaign.


text: Acerca de nosotros The Naturgy press room is managed by the External Communications team. Designed for journalists and the press, here you can find important information and the latest news as well as different audiovisual resources about the company. If you are a journalist and you need to contact us regarding a service incident outside our working hours, please call free on 900 750 750, giving your name and the name of the media organisation you work for, and ask to be put in touch with the person on call from External Communication.


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What's the latest Obamacare delay?
The Obama administration announced another delay in its signature health care law.
Small businesses won't be able to buy private health insurance for their employees on a federal online website until November 2014, a one-year delay in the administration's original plan to have the small business portion of the website ready this fall.
The section of the website that lets small businesses shop for insurance was already facing technical problems. In September, officials said it wouldn't be ready by the time HealthCare.gov went live Oct. 1 for individuals to buy their own health insurance.
The administration also announced this spring it was delaying until 2015 an option on the website that allows employees of small businesses to shop for their own insurance.
Small businesses, or those with under 50 employees, will need to work with insurance brokers to purchase health insurance until the website is ready, officials said.
Officials with Health and Human Services confirmed the delay after Politico reported it Wednesday, hours before the Thanksgiving vacation begins in Washington.
Wednesday's news of a delay is one of a series for the law: The administration announced this week the Spanish-language open enrollment portion of HealthCare.gov won't be running until December, a two-month delay.
And White House Spokesman Jay Carney said Friday the administration is also delaying 2015's open enrollment period for individuals by a month next fall, from before Nov. 5 midterm elections to Nov. 15 (though Carney denied elections were the reason for the delay).


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Sarah Anderson
Author Bio
IPS Global Economy Project Director Sarah Anderson's current work includes research, writing, and networking on issues related to the impact of international trade, finance, and investment policies on inequality, sustainability, and human rights. Sarah is also a well-known expert on executive compensation, as the lead author of 16 annual "Executive Excess" reports that have received extensive media coverage.
In 2009, she served on an advisory committee to the Obama administration on bilateral investment treaties. In 2000, she served on the staff of the bipartisan International Financial Institutions Advisory Commission ("Meltzer Commission"), commissioned by the U.S. Congress to evaluate the World Bank and IMF. Sarah is also a board member of Jubilee USA Network and a co-author of the books Field Guide to the Global Economy (New Press, 2nd edition, 2005) and Alternatives to Economic Globalization (Berrett-Koehler, 2nd edition, 2004).
Prior to coming to IPS in 1992, Sarah was a consultant to the U.S. Agency for International Development (1989-1992) and an editor for the Deutsche Presse-Agentur (1988). She holds a Masters in International Affairs from The American University and a BA in Journalism from Northwestern University.
Content by this author
Coalition of the Willing–Part II
March 24, 2003
Coalition of the Willing or Coaltion of the Coerced?
February 26, 2003
Fast Track Passage Won't Defeat the "Seattle Coalition"
December 1, 2001
Don't Strengthen the WTO by Admitting China
May 1, 2000
International Financial Flows
December 1, 1998
North American Free Trade Agreement
January 1, 1997
World Trade Organization
January 1, 1997


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| 14.1°C Belfast
Brad Pitt has spoken out after being accosted by a man with a reputation for red carpet pranks.
Vitalii Sediuk has said he was merely trying to give the star a hug, b ut in a statement to People magazine Pitt accused the former Ukrainian TV reporter of attempting to grab his crotch.
He said he hit Sediuk a couple of times on the back of his head during the red carpet event for Disney's Maleficent in Los Angeles last week.
"I don't mind an exhibitionist, but if this guy keeps it up he's going to spoil it for the fans who have waited up all night for an autograph or a selfie, because it will make people more wary to approach a crowd," Pitt said.
"And he should know, if he tries to look up a woman's dress again, he's going to get stomped," he added, referring to an incident at the Cannes Film Festival when Sediuk, 25, crawled underneath America Ferrera's dress.
His contact caused Pitt to lose balance while he was signing autographs and Sediuk spent two days in jail before pleading no contest to battery and unlawful activity at a sporting or entertainment event. He was sentenced to three years' probation, a year of psychiatric counselling and ordered to stay away from Pitt.
"I'm a normal guy," Sediuk said in the interview. "I'm not crazy."
The 6ft 2in native of Boryspil, Ukraine, said he initially was not near the front of the fan area where Pitt was signing autographs, but saw paparazzi leave one area and headed for it. He said he stood on a metal railing and reached over to give Pitt a hug, toppling on to the carpet area as security grabbed him.
Sediuk said his antics should lead to a re-examination of security procedures at high-profile entertainment events.
He has hugged the crotches of Bradley Cooper and Leonardo Di Caprio and crashed the 2013 Grammy Awards says the primary purpose for his pranks is entertainment. "I'm doing this for fun," he said.
He said he avoided a similar stunt at the Maleficent premiere because he said he knew children would be at the event.
Sediuk has been sacked by Ukrainian television station 1+1 and says he intends to spend the next few months focusing on fulfilling his sentence for the Pitt incident, which includes community service and a restraining order preventing him from going near Hollywood events.
He said he would like to remain in the entertainment field, working as a director or appearing in a reality show, and would continue work as a journalist - if anyone will hire him.
Sediuk has said he will not give up pranks, but realised his days of getting close to Hollywood celebrities were at an end. Any future stunts would be done legally, he said, and "in a polite way".


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Hawks fall to Spurs 106-104 on late basket
ATLANTA -- Aron Baynes sank a floater in the lane with 3 seconds remaining to lift the San Antonio Spurs to a 106-104 preseason win over the Atlanta Hawks on Thursday night.Baynes scored on a pass from Patty Mills and the Hawks couldn't get off a last-second shot.Tony Parker scored 17 points, including 14 in the third quarter, to lead the Spurs.Kyle Korver led Atlanta with 26 points.
The Hawks trailed by 14 before rallying in the fourth quarter. Korver's fifth 3-pointer tied the game at 97-97.
Tim Duncan had 16 points and eight rebounds in 19 minutes. Marco Belinelli had 13 and Manu Ginobili had 11 for the Spurs.
San Antonio returns 12 players, including all five starters, from the team that lost to Miami in the NBA Finals.
Jeff Teague had 15 points for Atlanta, including a 3-pointer to tie the game at 104-all. DeMarre Carroll had 14 points and Al Horford had 13 points and 11 rebounds. Paul Millsap had 10 points and 11 rebounds. Jared Cunningham, competing for a spot as a backup guard, had 11 points, including two crowd-pleasing jams.
The Spurs led 44-41 at halftime before outscoring the Hawks 38-26 in the third quarter.The game provided Spurs coach Gregg Popovich time to visit his former longtime assistant, first-year Hawks coach Mike Budenholzer. The Hawks have another Spurs connection in second-year general manager Danny Ferry, who came to Atlanta after two years as San Antonio's vice president of basketball operations.
Budenholzer spent 19 years with the Spurs, including 17 as Popovich's assistant.
"I feel like I'm lost half the time when I turn to my right and my left and he's not there, suggesting to me who I should have in the game and that I should be changing the pick-and-roll defense," Popovich said. "All that kind of stuff. I'm a little bit more free now, but I'm not as smart."


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Germany Edges Uruguay 3-2 to Take 2010 World Cup Bronze
Germany won the 2010 World Cup in South Africa playoff game for the third place against Uruguay 3:2 scoring the wining goal with only eight minutes of the match remaining.
Both sides wanted to finish the World Cup on a winning note and the first half of the match under a heavy rain in Port Elizabeth ended 1:1 after Germany's Thomas Muller and Uruguay's Edinson Cavani traded goals.
With ten minutes of the second half played Uruguay's Diego Forlan scored another for his team, but the goal was shortly answered by Germany's Marcell Jansen.
The teams seemed to finish the main time of the match at the 2:2 draw but Germany's Sami Khedira netted the winner on the 82nd minute to earn his country fourth bronze of the World Cup series.
The 2010 World Cup winner will be determined on Sunday night between two European teams, Spain and the Netherlands, which both never previously won the world championship.
|PowerPoint: Germany Edges Uruguay 3-2 to Take 2010 World Cup Bronze
|Video: Germany Edges Uruguay 3-2 to Take 2010 World Cup Bronze
|Download PowerPoint Presentation
|Watch on Youtube


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When using R, sometimes you need your function to do something if a condition is true and something else if it is not. You could do this with two if statements, but there's an easier way in R: an if…else statement. An if…else statement contains the same elements as an if statement (see the preceding section), and then some extra:
- The keyword else, placed after the first code block
- A second block of code, contained within braces, that has to be carried out if and only if the result of the condition in the if() statement is FALSE
In some countries, the amount of value added tax (VAT) that has to be paid depends on whether the client is a public or private organization. Imagine that public organizations have to pay only 6 percent VAT and private organizations have to pay 12 percent VAT. You can add an extra argument public to the priceCalculator() function and adopt it as follows to add the correct amount of VAT:
if(hours > 100) net.price <- net.price * 0.9
if(public) {
tot.price <- net.price * 1.06
} else {
tot.price <- net.price * 1.12
If you send this code to the console, you can test the function. For example, if you worked for 25 hours, the following code gives you the different amounts you charge for public and private organizations, respectively:
[1] 1060
[1] 1120
This works well, but how does it work?
If you look at the if…else statement in the previous function, you find these elements. If the value of the argument public is TRUE, the total price is calculated as 1.06 times the net price. Otherwise, the total price is 1.12 times the net price.
The if statement needs a logical value between the parentheses. Any expression you put between the parentheses is evaluated before it's passed on to the if statement. So, if you work with a logical value directly, you don't have to specify an expression at all. Using, for example, if(public == TRUE) is redundant.
Also, in the case of an if…else statement you can drop the braces if both code blocks exist of only a single line of code. So, you could just forget about the braces and squeeze the whole if…else statement on a single line. Or you could even write it like this:
if(public) tot.price <- net.price * 1.06 else
tot.price <- net.price * 1.12
Putting the else statement at the end of a line and not the beginning of the next one is a good idea.
In general, R reads multiple lines as a single line as long as it's absolutely clear that the command isn't finished yet. If you put else at the beginning of the second line, R considers the first line finished and complains. You can put else at the beginning of a next line only if you do so within a function and you source the complete file at once to R.
But you can make this shorter. The if statement works like a function and, hence, it also returns a value. As a result, you can assign that value to an object or use it in calculations. So, instead of recalculating net.price and assigning the result to tot.price within the code blocks, you can use the if…else statement like this:
tot.price <- net.price * if(public) 1.06 else 1.12
R will first evaluate the if…else statement, and multiply the outcome by net.price. The result of this is then assigned to tot.price. This differs not one iota from the result of the five lines of code we used for the original if…else statement.


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Luxury Hotels and Resorts in Riviera Maya
Savor Riviera Maya's best
Riviera Maya is famous for its all-inclusive resorts -pick the right one by booking with us, and get the best rates at the best hotels along with VIP upgrades and services.
Riviera Maya is a renowned vacation hot spot for a laundry list of reasons, the bare minimum of which include its white beaches, blue water, and great weather.
Riviera Maya also boasts incredible Mayan ruins. Swim in the ocean with the ancient city of Tulum watching over you, or wander through the mysterious Mayan caves of Aktun Chen.
Check out the impressive local snorkeling and SCUBA diving sites as well - explore the largest coral reef in the Northern Hemisphere, or brave the region's underground rivers and lakes.
And after watching another perfect sunset, put on your dancing shoes and head to Playa del Carmen for some lantern-lit nightlife.
locations in Riviera Maya
Featured Hotels
Top Destinations in Riviera Maya
Wow PicksHotels that made us say WOW!


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Interest in premier sporting events has grown significantly, creating a demand in corporate America for tickets and facilities for the entertainment of important customers and special guests. This phenomenal growth has also resulted in limited availability of Masters Golf Tickets, Masters Badges, Super Bowl, Final Four, Ryder Cup and other event tickets, limiting access to these prestigious events even more. Similarly, travel, lodging and other logistics such as group dining and transportation have become more challenging.
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Search Tips: Search our Norwood Catalog, then search our Best Buys Catalog and compare your results. Don't forget to check out our SPECIALS for exceptional savings. Enter a product number or a key word to describe the product in the search boxes. Try different synonyms, i.e. 'cup' and 'mug' return different results. Also use singular instead of plural, i.e. 'shirt' not 'shirts'. For the most in savings, start with Norwood & Best Buys. If you can't find what you need then try our Industry Wide Search. (Allow just a moment as the industry-wide searches thousands of web sites.)
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text:
Wednesday, January 30
Good morning, TexMessagers! Do you think the Boy Scouts of America will lift its ban on gays?
Yesterday, Boy Scouts of America announced it may finally be ending its policy to leave out the homosexual community, which would be a big disappointment for Texas Gov. Rick Perry.
Perry outlined his devotion to the boys scouts in his book, On My Honor: Why the American Values of the Boy Scouts Are Worth Fighting For. The book advocates for maintaining conservative values in the face of a "culture war." A quote from Newt Gingrich on the inside cover reads:
"In 'On My Honor' Texas Governor Rick Perry examines the left's attacks on a venerable American institution that has a profound impact on the values and virtues of young Americans: The Boy Scouts of America."
The book makes Perry's stance on the issue clear. Only closeted gays should be active in the Scouts, the governor insisted.
"Openly active gays, particularly advocates, present a problem. Because gay activism is central to their lives, it would unavoidably be a topic of conversation within a Scout troop. This would distract from the mission of Scouting: character building, not sex education."
The "culture war" Gov. Perry warns his readers of could be lost as soon as next week, when the proposed policy shift is discussed in Irving.
Headlines from TxPotomac's top articles:
★ Cornyn, Cruz cast 2 of only 3 votes against John Kerry
★ The "Big 12" issues of immigration
★ Obama embraces gay, lesbian binationals on immigration
★ Sheila Jackson Lee responds to Lamar Smith on immigration plan: "It's not amnesty"
★ Border security v. American dream: Texas congressional delegation divided on immigration reform policy
★ New effort to increase visas for tech workers as high as 300,000
★ Ted Cruz says he voted against storm aid because 'cynical politicians' larded bill with 'spending utterly unrelated to Sandy'
★ Analysis: Rick Perry is dead politically-haven't we heard that before?
Reader Comment of the Day
In response to our post, Sheila Jackson Lee responds to Lamar Smith on immigration plan: "it's not amesty" wantingbalance wrote in the comments forum:
"Best way for her to deal with "amnesty" is to photoshop it out. You know Ms. Lee, just do the opposite of what you did to get your picture in a photo for which you were not present."
★ Senate Judiciary Committee will begin hearings on the issue of gun violence at 10 a.m.
★ Economic Indicators: gross domestic product, 8:30 a.m.
★ Economic Indicators: weekly mortgage applications, 9 a.m.
★ Economic Indicators: weekly petroleum status report, 1 p.m.
★ Department of State advisory committee meeting on combating bribery in international business transactions
★ George Washington University Law Center will hold a panel discussion on the Supreme Court term outlook
Tomorrow and beyond:
★ Jan. 31. Secretary of State Clinton will deliver speech on American leadership at the Council on Foreign Relations.
★ Jan. 31 Senate Armed Services Committee will hold a confirmation hearing on the nomination of Chuck Hagel as Secretary of Defense.
★ Feb. 5 Disability Assistance and Memorial Affairs Subcommittee will hold a hearing titled, "The 100 percent Temporary Disbility Rating: An Examination of its Effective Use."
★ Feb. 5 House Veterans' Affairs – Subcommittee on Oversight and Investigations Subcommittee Hearing on Legionnaire's disease in Pittsburgh
Today in Texas History
On this date in 1915, the Rice and Baylor basketball teams competed in the first competition of the now defunct Southwest Conference. More>>>


text: Join us for an evening with renowned poet, essayist and translator Anne Carson. From her scholarship on the ancient Greeks to acclaimed books of verse such as Autobiography of Red and Men in the Off Hours, Carson's range is unparalleled in contemporary poetry. Her work often incorporates the visual: her latest "book" is Nox (New Directions, 2010), a boxed accordion-style notebook that is at once an elegy for her brother and a translation/meditation on Catullus. Carson has won numerous honors for her work, including a MacArthur Fellowship. This reading is presented in conjunction with Big Dance Theater's Supernatural Wife, an adaptation of Euripides' Alkestis using Anne Carson's translation. Join us for a pre-performance reading that is surely not to be missed! Copresented by Rain Taxi Review of Books.


text:
Smith, Folk help Jets knock off Falcons
ATLANTA >> After plenty of mistakes in his first four games, Geno Smith suddenly looked like a wily ol' veteran for the New York Jets.
The rookie quarterback threw three touchdown passes, didn't turn the ball over at all and guided the Jets on a clutch drive that set up Nick Folk's winning field goal on the final play, giving New York a 30-28 victory over the struggling Atlanta Falcons on Monday night.
After the Falcons went ahead on the first play after the two-minute warning, Smith calmly completed four straight passes and also broke off an 8-yard run that set up Folk's 43-yard field goal as time expired.
The Jets (3-2) have been waiting for this sort of performance from Smith, who came into the game leading the NFL with 11 turnovers, including eight interceptions. The previous week, he was picked off twice and lost two fumbles in a 38-13 rout by the Tennessee Titans.
But this was a different Geno. He completed 16 of 20 passes for 199 yards and zealously protected the ball.
The Falcons rallied from a 27-14 deficit in the fourth quarter, going ahead on Matt Ryan's 3-yard touchdown pass to Levine Toilolo with 1:54 remaining.
Jacquizz Rodgers scored on a pair of touchdown runs, and Ryan also threw a scoring pass to Jason Snelling.
But the Falcons (1-4) are now mired in their longest losing streak since 2007. Considered a Super Bowl contender at the beginning of the season, they head into a bye week mired in a three-game skid.


text:
Leia is Michaels little sister. Shes traveling on tour...
Good Girls like Bad Boys163449787331
- by AGhoulFromTokyo
- Rating:
- Published: 11 Dec 2014
- Updated: 1 Jul 2017
- Status: In Progress
Hazel Owens has always been the good girl. Always kept quiet and to herself. Never stood up for herself and would let everyone around her push her around because it was the best way to not get in any sort of trouble. That is until two brothers, Luke and Ashton move to her town. They soon both find interest in her. Both seeing that there's more to her than what others see. Soon Hazel finds herself to be a part of both boys life. When they both fall for her which will she choose. Why do bad boys make good girls feel so right?
Join MovellasFind out what all the buzz is about. Join now to start sharing your creativity and passion
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text:
MEGADETH's new album, "TH1RT3EN", has registered the following first-week positions so far:
Australia: #13
Belgium: #83
Ireland: #43
Netherlands: #42
Norway: #32
"TH1RT3EN" is likely to sell between 40,000 and 45,000 copies in the United States in its first week of release, according to industry web site Hits Daily Double. The estimate was based on one-day sales reports compiled after the record arrived in stores on November 1 via Roadrunner Records.
MEGADETH's previous CD, 2009's "Endgame", opened with 45,000 units to debut at position No. 9 on The Billboard 200 chart. This was slightly less than the 54,000 first-week tally registered by 2007's "United Abominations", which landed at No. 8. 2004's "The System Has Failed" premiered with 46,000 copies (No. 18) while 2001's "The World Needs A Hero" moved 61,000 units in its first week (No. 16).
"TH1RT3EN" was recorded at MEGADETH mainman Dave Mustaine's Vic's Garage studio in San Marcos, California with producer Johnny K (full name: John Karkazis), who has previously worked with DISTURBED, SEVENDUST, MACHINE HEAD and STAIND, among others. The artwork was once again created by artist John Lorenzi, who worked on the last two MEGADETH studio albums, 2007's "United Abominations" and 2009's "Endgame", as well as the band's 2007 box set, "Warchest".
"TH1RT3EN" marks the recorded return of bassist David Ellefson who was part of the band's classic lineup from 1983 to 2002. In a move that delighted the band's legion of diehards, Ellefson returned to performing live with MEGADETH in early 2010 and has remained a fixture on the stage ever since. This is the first time Ellefson has played on a MEGADETH record since 2002's "Rude Awakening".
MEGADETH filmed the "Public Enemy No. 1" video on September 17 in Santa Clarita, California. The clip was shot on a movie set where old Westerns are filmed.
(Thanks: IMNoMoreLies)


text:
Cabot Lodge, a new financial services affiliate of Allied Beacon Partners Inc., has opened three offices in the New York Metropolitan Area, according to an announcement last week.
The new firm, an office of supervisory jurisdiction of Allied Beacon, will have branch offices in Manhattan; Princeton, N.J.; and Long Island.
Cabot Lodge offers alternative investment products for direct investment by accredited investors, including real estate syndications, tax credit programs, and oil and gas programs. It also provides access to publicly traded and non-traded real estate investment trusts.
Stephen Rooney, vice president for national sales, training and recruiting at Cabot Lodge, said in the statement that Cabot Lodge was "dedicated to building a team of highly successful financial advisors, all of whom will have the opportunity to own shares in the company. We believe that by focusing on our financial advisors and their clients first, we can achieve greater success for all involved."
Cabot Lodge's financial advisors will own 49% of the firm and help determine its overall goals and vision. According to the announcement, financial advisors incur no overhead and are part of a true partnership structure.
The firm expects to hire more than 100 additional financial advisors in the next two years. For new recruits, it has developed a customized education and mentoring program that pairs them with seasoned financial advisors and offers extensive training on the latest investment products and industry regulations. All new recruits will have an opportunity to earn an ownership stake in the firm.
Allied Beacon Partners, an RIA and member of FINRA/SIPC, was founded in 1984 and has its headquarters in Richmond, Va.


text:
Assets in prepaid 529 plans increased 2.6% in the first quarter of 2012 to $21.2 billion, the Financial Research Corp. announced on Monday. Assets are up nearly 11% from the fourth quarter of 2010.
Prepaid 529 plans allow parents to purchase tuition at current prices for a student who will use the tuition at an eligible school in a later year. Paul Curley, director of college savings research for FRC, compared 529 savings plans and prepaid plans to defined contribution and defined benefit plans.
With savings plans, he told AdvisorOne on Monday, "investors are open to market appreciation and depreciation in the plan over time." With a prepaid plan, investors can purchase tuition or a percentage of tuition. With the money they spend up front, qualified expenses are already covered, he said.
New contributions to open plans increased 2% in the first quarter. Closed-plan contributions increased 1.4% and prepaid plans increased 1.4%. Distributions exceeded contributions in all three categories.
Total 529 plan assets reached $158.3 billion in the first quarter, a 9.6% increase over the fourth quarter and up over 8% since the first quarter of 2011. The total number of active accounts increased 1.5%.
"We've seen faster asset appreciation on the savings side due to market appreciation," Curley said. "We've also seen faster growth in the number of accounts on the savings side." Savings accounts number near 10 million accounts, compared with 1.4 million prepaid plans, he said.
"Broadly speaking, this means investors are still saving for college," Curley said. "Advisors show they're taking a holistic view to financial planning by adding college planning."
Curley noted that with the recent focus on student debt, investors are starting these conversations with their advisors. "It's getting on their radar," he said.
By comparison, long-term mutual fund and ETF assets, not including fund-of-fund affiliated funds, increased 10.6% in the first quarter to $9.8 billion.


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Try using less filters. Here's some helpful links to help too.


text:
Official Gordo El Mas Atrevido music video from the album "El Comienzo" Contra Mi ft Viviano rite - directed by Joshua Ramirez. Released by Yuyo MC SGR Records USA / Island Def jam. Comercial Voiceover by Novell @ Radio jingles VIP
|Posted by YUYO MC on April 9, 2012 at 11:48 PM
|4978 Views
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The words you entered did not match the given text. Please try again.


text:
Bluffdale Utah home builders are building great single family homes, townhomes and condominiums. From starter homes to custom homes, you'll be able to find the new home locations and home designs you're looking for.
If you're looking for existing homes or other Utah real estate, use our powerful tool to search the MLS.
You will find here quick move-in new homes that are ready to buy immediately as well as ready-to-build homes plans and designs to build from the ground up.
Want to build a custom home? See this important information on Custom Homes.
This map shows the communities profiled in Bluffdale. Below you will find a listing of each Utah home builder currently building here and a summary of what they are offering.
These are the top Bluffdale Utah home builders and information about them:
|Home Builders
|Home Builders
Here is Bluffdale 's part of the new home communities in Utah.
This city is located in Salt Lake County. Here's a link to the official city page.
Public schools here are in the Jordan School District. On each community page, you'll find the specific Elementary, Junior High or Middle School, and High School for that community along with links to their web pages. School boundaries often change, so be sure to verify all important school information.
Here are other cities in Salt Lake County where you'll find some of the best new homes Utah has to offer.Salt Lake County Home Builders
|Bluffdale Home Builders
|Cottonwood Heights Home Builders
|Draper Home Builders
|Herriman Home Builders
|Holladay Home Builders
|Magna Home Builders
|Midvale Home Builders
|Millcreek Home Builders
|Murray Home Builders
|Riverton Home Builders
|Salt Lake City Home Builders
|Sandy Home Builders
|South Jordan Home Builders
|South Salt Lake Home Builders
|Taylorsville Home Builders
|West Jordan Home Builders
|West Valley City Home Builders
Looking for a home builder in a different county? Check these counties for home builders in Utah:
|Davis County Home Builders
|Salt Lake County Home Builders
|Summit County New Homes
|Tooele County Home Builders
|Utah County Home Builders
|Wasatch County Home Builders
|Weber County Home Builders
Here are the top Utah home builders currently building along the Wasatch Front:
|Alair Homes
|Alpine Homes
|Bach Homes
|Bangerter Homes
|Blue Pine Homes
|Brad Reynolds Construction
|Brighton Homes
|Building Dynamics
|Cadence Homes
|Castle Creek Homes
|Century Communities
|Dakota Homes
|David Weekley Homes
|Design Builders
|Destination Homes
|DR Horton
|Edge Homes
|Elite Craft Homes
|Fieldstone Homes
|Garbett Homes
|Georgetown Development
|Gordon Milar Construction
|Gough Homes
|Hallmark Homes
|Hamlet Homes
|Hardrock Homes
|Henry Walker Homes
|Holmes Homes
|Home Center Construction
|Ivory Homes
|J. Thomas Homes
|JCraft Homes
|Knight West Homes
|Liberty Homes
|McArthur Homes
|Millcreek Homes
|Mountain Vista Homes
|Nilson Homes
|Oakwood Homes
|Ovation Homes
|Patterson Homes
|Perry Homes
|Peterson Homes
|Rainey Homes
|Reliance Homes
|Richmond American Homes
|Salisbury Homes
|Sego Homes
|Sierra Homes
|Symphony Homes
|Tailor Built Homes
|Visionary Homes
|Watts Enterprises
|Woodside Homes
|Wright Homes
Your home will be in good hands with any of these construction companies in Utah.
Feel free to call us if you have any questions. Even if you're not ready to buy, we're happy to help. Just call us at 801-870-2772.


text:
I started writing an IRC bot in C++ for windows XP.
The name came from a typo of ircbot which made friend made, but I liked the sound and kept it as the name.
Didn't really know what it would do, though I had a few ideas in the TODO file, they are more like notes than actual things to do.
Well anyway I have a base, and a version with a google search option. I thought I would post both versions as they are. People can tell me areas which are poorly done, or could be changed in some way. Or maybe make suggestions for it.
If you want to know why I did something a certain way, or how something works just ask.
It could do with more error checking, and it could also do with more protocol related code, currently it only checks to see if it can join a channel.
Anyway I thought I would post them.
TODO from the base.
TODO from the google version1.) Code for when windows shuts down, so the
bot automatically closes.
2.) Write some functions for the bot, for example.
Channel protection bot.
Trivia bot.
AI bot.
Google/News/Image search.
MSDN search.
IMDB search.
3.) Code a little GUI for when the bot opens,
saying something like "RicBot blah blah" you get the idea
There should be less to do as it advances but oh well.1.) Code for when windows shuts down, so the
bot automatically closes.
2.) Write some functions for the bot, for example.
Channel protection bot.
Trivia bot.
AI bot.
Google/News/Image search.
MSDN search.
IMDB search.
Google search is almost complete, it connects to google,
searches, retrieves all the webpage and stores it into
a variable, then parses it. Needs more testing to be done.
3.) Code a little GUI for when the bot opens,
saying something like "RicBot blah blah" you get the idea
4.) Now that google search is almost complete,
thought I would add something else to do hehe.
How about a global time checker.
You type !time and it gives a default time zones time,
like for example GMT.
But if you supply it with either a country like
!time FR (france) it will give the time in france or
if you supply it with something like !time UTC then
it will use UTC time instead of GMT.
5.) What about something a bit more cool, how about a
translator. You supply it with 2 main arguments, and
the other arguments are the text to be translated.
!translate english russian Hello how are you?
The first argument is the language you are translating from,
the second argument is the language you are translating to.
6.) Also what about a !define command, to define a word?
it could use googles define:keyword
7.)What about spell checker?
!spell word
it could connect to dictionary.com
Any type of feedback at all is appreciated.
(incase you are wondering why it has a readfile and writefile function, well it originally wrote the data it recieved for the webpage to a HTML file called google_file.html and then the file was read, but I decided to store the data directly into a variable (not good for big pages I guess) so rather than just delete the code, I put it in 2 separate functions incase it is needed later.)
I forgot to say, for the address of the IRC server you will have to use an IP not hostname, because it doesn't use a gethostbyname() function. I was intending on reading up on getaddrinfo() and using that, but I forgot all about it.
Also if anybody decides to do any work on this or use large parts of it, could they put a link to this thread in the comments or readme. Thank you.


text:
Photographer Abelardo Morell brings that outdoors in in his series Camera Obscura. Morell installs a lens or prism in a window and transforms an entire room into a camera obscura. The view outside is then projected on the opposing wall – upside down through the lens and right side up through the prism. A long-exposure photograph captures the outside world as its projected within the room. He says of the process and series:
"Over time, this project has taken me from my living room to all sorts of interiors around the world. One of the satisfactions I get from making this imagery comes from my seeing the weird and yet natural marriage of the inside and outside.


text:
MacJac Art 5 Panel CANVAS London Bus Big Ben B&W Theme Wall Art Photography Prints Model 5PC-AL-0256MacJac Art The Gift of Art
MacJac Art 5 Panel CANVAS
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About Our Products: Every image we print is reviewed by our in-house team, adjusted by hand for the best possible print quality, then expertly transferred to canvas on state-of-the-art printing equipment. Then we hand stretch artist-grade canvas over a wooden frame that is light enough to easily hang on your wall yet strong enough to support your artwork for years to come.
- A Truly Magnificent addition to our amazing Canvas Image range of Printed Images
- We've perfected our canvas finish and after months in development, we are proud to announce what we feel to be the finest "fine art" canvas available anywhere today!
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- Thick 2-over-1 Oxford weave pattern results in a luxurious feel.
- Our canvas prints are hand stretched onto North American kiln dried solid wood frames ensuring your Canvas Print will not warp or sag over time.


text:
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Addison Gallery of American Art
Alberta Foundation for the Arts
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Center for Creative Photography
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The Colonial Williamsburg Foundation
Connecticut Historical Society
Currier Museum of Art
Dallas Museum of Art
Des Moines Art Center
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Dumbarton Oaks
Emory University - Michael C. Carlos Museum
The Etsuko and Joe Price Collection
Flaten Art Museum, St. Olaf College
The Fralin Museum of Art at the University of Virginia
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George Eastman House - International Museum of Photography and Film
The Gross Family Collection
Harvard Art Museums
The Henry Moore Foundation
High Museum of Art, Atlanta
Honolulu Academy of Arts
HUAM Test
The Huntington Library, Art Collections and Botanical Gardens
International Center of Photography
University of Iowa Museum of Art
The J. Paul Getty Museum
The John and Mable Ringling Museum of Art, the State Art Museum of Florida, a division of Florida State University
Judy Chicago
Kunsthistorisches Museum
La Salle University Art Museum
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Museum of Fine Arts, Boston
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Nasher Museum of Art at Duke University
National Gallery of Ireland
Smithsonian Institution, National Museum of Asian Art
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Alfred T. Palmer Collection
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Richard Diebenkorn Catalogue Raisonné
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Rose Art Museum, Brandeis University
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Stiftung museum kunst palast
The Trout Gallery, Dickinson College
University of Richmond Museums
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Yale Center for British Art
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text:
TECH TRENDS—Security practices
Cryptography must be implemented as part of a larger security program
Cryptography can be a powerful tool—so powerful, in fact, that the federal government has regulated the export of the technology for national-security reasons. But no matter how strong it is, no single cryptographic tool can solve all your data security needs.
Five encryption tips from NIST
Encryption key strengths
Security technologies each have strengths and limitations, even when they use the same types of algorithms and key strengths.
"Organizations have to think about what type of threats they want to protect against, and that will determine the type of technology used," said Karen Scarfone, a computer scientist at the National Institute of Standards and Technology, who helped write NIST's guide to storage encryption.
Is the data to be protected at rest or in transit? Where is it being stored? Is it sensitive or highly classified? How valuable is it to someone else? How long is it likely to remain valuable? Are you worried primarily about theft or about loss? Answers to questions such as those can help determine whether you want a broad tool such as full-disk encryption, a more granular tool such as file encryption, or a specialty tool such as format-preserving encryption. Your answers can help determine what strength key you should be using.
With the increasing power of small handheld devices and growing efficiency of cryptographic tools, the computational overhead of cryptography is becoming less of an issue when selecting a tool. Organizations probably should go with the strongest cryptographic tools available, experts say, because bad guys can more easily crack encryption as computers become more powerful.
"If you start out strong, you probably will be able to use it longer," Scarfone said.
However, strong cryptographic tools are not enough, said Terence Spies, chief technology officer of Voltage Security. "It doesn't excuse you from doing the other things you should do," such as using firewalls and anti-malware tools, monitoring network activity, and defining access policies, Spies said.
Cryptography is the scrambling of a message according to a formula or algorithm so that only someone with the proper key can unscramble and read it. It has been around for millennia, but until recently, it has been used largely by governments because of the difficulty of generating, distributing and securing the keys that are adequately strong and complex.
"The big challenge is: How do you protect the keys?" said Wayne Grundy, director of the Transglobal Secure Collaboration Program (TSCP). "We're using the standards that have been laid down by the government."
TSCP was formed in 2002 by the United Kingdom's Ministry of Defence to define technical specifications for secure collaboration between governments and among contractors. Its members include the U.S. Defense Department, the Dutch government, and a handful of major international defense contractors, including BAE Systems, Boeing, EADS, Lockheed Martin, Northrop Grumman, Raytheon and Rolls-Royce.
Specifications for a secure e-mail standard developed by TSCP use a trusted public-key infrastructure model, similar to the U.S. government's Federal PKI Bridge. The specifications also include a set of policies and procedures for vetting and managing an organization's identity and access controls. This would assure users that an e-mail is securely encrypted and the senders and receivers are who they say they are and are entitled to access the contents.
Although the U.S. government is still a leader in strong cryptography, the development of powerful computing technology and invention of public-key cryptography have moved it into the private sector.
"Government and business are more closely aligned now than they ever were before," said Jeff Nigriny, president of identity management company Certipath.
Banks and other businesses use PKI routinely for online transactions, and it is being implemented throughout the defense supply chain to enable secure collaboration.
"All of these things are hallmarks of a maturing industry," Nigriny said.
Encryption essentially is a way to simplify the job of securing information, Spies said. It enables access to a large amount of information through a small amount of data: the encryption key.
"You don't have to hide the data anymore, you just have to hide the key," he said. "And when you know who has the key, you know who has access to the data."
Building blocks
However, encryption is only part of an overall strategy for security, and effective encryption is built on good identity management and access policies. "One of the most basic jobs is to express who should have access to any data," Spies said.
A more basic task is identifying data to protect. "If you are going to have a policy on who can have access to data, you have to know what data you have," he said.
After you have identified data, you can evaluate the threats your organization faces and begin to think about the technology you need to counter them.
There is a traditional trade-off between the strength of encryption and its impact on a system's performance. That has led to the practice of using the minimum strength necessary to affect performance as little as possible.
"People want security to just work, without adding any overhead," Spies said.
The standard for Internet commerce for some time has been the 1,024-bit RSA encryption key. The RSA algorithm uses public/private key pairs to encrypt and decrypt data. If someone could figure out the two prime numbers used to generate the public key, that person could derive the private key and decrypt the data. The size of the key determines how hard it is to calculate. It still takes months or years to factor a 1,024-bit key, but the task becomes easier as more computing power becomes available. Many experts consider the protection offered by a 1,024-bit RSA key to be minimal, at best.
"It is time to move on" from 1,024, said Bill Lattin, chief technology officer of Certicom, a PKI company.
How far you should move depends on several things, Lattin said. One is the value of your data. Is it worth someone spending a year harnessing a distributed network of computers to crack a key? If it is, use a key that will take 10 years to crack. Another issue is how long the system you are using will be fielded and the longevity of your data.
For ephemeral data, such as a stock trade, 1,024-bit encryption might be acceptable. Personal information and state secrets need longer protection. And utility companies are in the process of fielding smart meters that will provide two-way communication between a power grid and a consumer's home to improve efficiency. That infrastructure will be in the field for 20 years or more, so security must be strong enough not only to last 20 years but also to survive much stronger attacks that will be possible 20 years from now.
Implementing encryption without excessively taxing today's technology is becoming easier. One development is elliptic curve cryptography, a type of algorithm that is demonstrably more secure than RSA with much shorter key lengths. Certicom is a supplier of ECC technology.
"You're talking to a biased source, but we certainly believe ECC will be the future of cryptography," Lattin said.
ECC can provide the equivalent protection of a 3,072-bit RSA key with just 256 bits and the equivalent of a 15,360-bit RSA key with 512 bits. Such improvements are making it easier to get strong security on small devices. Encryption company PGP supports the Research In Motion BlackBerry and Microsoft Windows Mobile devices, providing the same look and feel for the user as for the desktop system.
"Mobile devices are becoming another endpoint within the enterprise infrastructure," said Doris Yang, PGP's mobile products manager. The BlackBerry is the top enterprise tool, with Windows Mobile devices a close second, she said. But the approach PGP takes to these two types of devices are different.
Because the BlackBerry is primarily an e-mail tool, PGP supports e-mail encryption. Windows Mobile is an operating system for a more full-featured computer, so PGP focuses on disk and file encryption for it.
Agencies generally are required to encrypt sensitive data that residies on mobile devices, from laptop PCs to handheld devices, and there are a variety of techniques to choose from, including full-disk encryption, virtual disk or volume encryption, and file and folder encryption.
"They use the same cryptographic algorithms and the same strength keys," Scarfone said, but they serve different purposes. Choosing the proper technique with the right algorithm and the right strength key requires a standardized way of comparing them.
"NIST has made standardization of encryption their business," Nigriny said.
The standards are required only for government users, but they also are available for the private sector. NIST provides guidance on choosing the appropriate kind of cryptography in Special Publication 800-111, "Guide to Storage Encryption Technologies for End User Devices."
"The appropriate encryption solution for a particular situation depends primarily upon the type of storage, the amount of information that needs to be protected, the environments where the storage will be located, and the threats that need to be mitigated," the guidance states.
"We're not trying to tell you how to secure a particular operating system or type of device," Scarfone said. "The difference in the technologies is the type of threat they protect against."
Types of encryption
Full-disk encryption, as its name implies, encrypts an entire drive so that a device cannot be booted without a credential to access the key to decrypt the disk. Because it is decrypted when booted, "it will only provide protection when the device has been powered off," so it protects primarily against theft or loss of a device, Scarfone said. This is more important for mobile devices than desktop PCs.
Virtual disk encryption or volume encryption encrypts most of the drive but not all of it. An encrypted device can be booted without decrypting, but authentication is needed to access data.
"It helps to protect against things like malware," which cannot see the encrypted data, and any data stolen from the device is not usable to a third party. It also gives protection in case of theft or loss.
File and folder encryption is more granular, allowing the encryption of specific files or folders. This method can be convenient because it allows a user to encrypt only data that is sensitive but can be less convenient because it can mean decrypting multiple files to access them.
"You want to choose the cryptographic method that is going to protect against the threat you want protection from," Scarfone said. But regardless of the type of encryption used, the bias should be toward stronger rather than weaker keys. "In most cases, there is no reason not to use the strongest encryption you can," she said.
Overkill is not a problem, because the strength of the attacks you are protecting against inevitably will grow over time, so strong encryption can help prepare systems and devices for future attacks. And although decryption requires an extra step in accessing data, the difference in performance varies little between weak and strong.
Of her own experience with full-disk encryption, Scarfone said, "it takes a little longer to boot up and shut down, but it is a matter of seconds, and I don't notice any difference in performance."
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The Chiefs have signed rookie running back Knile Davis, the club announced Monday.
The 5-foot-10, 227-pound Davis was a third-round pick (No. 96 overall) in April. He declared for the draft after his redshirt junior season at Arkansas.
The 21-year-old Davis has very good speed. He was timed at 4.37 seconds in the 40-yard dash at the NFL Scouting Combine, second-fastest among running backs. However, he has struggled to stay healthy, with ankle and collarbone injuries hampering him at various points. Also, fumbles were an issue in his collegiate career.
Davis will compete for snaps behind starter Jamaal Charles in the Kansas City backfield.