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This report is one of a series on the adjustments we make to convert GAAP data to economic earnings.
Reported assets don't tell the whole story of the capital invested in a business. Accounting rulesprovide numerous loopholes that companies can exploit to hide balance sheet issues and obscure the true amount of capital invested in a business.
Converting GAAP data into economic earnings should be part of every investor's diligence process. Performing detailed analysis of footnotes and the MD&A is part of fulfilling fiduciary responsibilities.
We've performed unrivalled due diligence on 5,500 10-Ks every year for the past decade.
Accumulated other comprehensive income (OCI) are gains and losses that have yet to be recognized, and are excluded from net income. The accumulated OCI item usually appears as a separate line item on the statement of shareholder's equity. When OCI charges can be recognized, they are removed from OCI, reported on the income statement and recorded in net income.
Most investors would never know that accumulated other comprehensive income distorts GAAP numbers by raising or lowering reported assets and, therefore, distorting assessment of a business' ability to generate a return on that capital. Examples of items in OCI include: unrealized gains/losses on for-sale securities, derivatives and cash flow hedges; gains and losses from the translation of financial statements of foreign subsidiaries; actuarial gains and losses on benefit plans; and changes in a firm's revaluation surplus. We remove OCI from our invested capitalcalculation to (1) better represent the actual capital on hand for management to generate a return on and (2) avoid the noise from the fluctuations of OCI.
Berkshire Hathaway (BRK.A) from Figure 1 has accumulated a large amount of other comprehensive income over the years, to the tune of $28 billion. While invested capital usually reflects the total amount of equity in a business, we subtract accumulated OCI from our invested capital calculation, as it has not yet been recognized in the P&L account or used in generating profit. This adjustment resulted in an invested capital of $255 billion for BRK.A, as opposed to $283 billion if accumulated OCI was included.
Figure 1 shows the five companies with the largest (gross value and as a % of total assets) accumulated other comprehensive income/(loss) adjusted out of invested capital for 2012.
Figure 1: Companies Most Affected By Accumulated Other Comprehensive Income
Sources: New Constructs, LLC and company filings
However, these companies are far from the only ones affected by accumulated OCI. In the last fiscal year, adjustments for other comprehensive income occurred for 2,509 different companies, resulting in a total adjustment values of $504 billion back into invested capital and $179 billion out of invested capital. Our database contains over 29,526 OCI adjustments for a total adjustment value of $3.4 trillion back into invested capital and $1.3 trillion out of invested capital.
Though the removal of other comprehensive income can decrease invested capital and raise the return on invested capital (ROIC), it does not always mean the company's stock will earn a favorable rating. For instance, Berkshire Hathaway (BRK.A) still has only a 3-star or Neutral rating despite its $27 billion adjustment out of invested capital. The opposite is also true. While IBM (IBM) had $26 billion added back to its invested capital, it still receives a 5-star, or Very Attractive Rating.
In other cases, however, OCI can artificially depress invested capital, raise ROIC and make a stock look overvalued. Case in point: Unisys Corp. (UIS) had a total of $4.1 billion in OCI adjustments in 2012.
This $4.1 billion was a loss that was recorded on UIS's consolidated balance sheet as accumulated other comprehensive income. If this amount had been treated as a loss of equity and recorded in invested capital, Unisys' invested capital calculation would have been just $1.2 billion and its ROIC boosted to 24%, putting it in the top quintile of all companies I cover. Instead, we add back this loss to our invested capital calculation to find the true amount of capital used in generating profit for UIS.
After this adjustment, UIS has an invested capital of $5.4 billion and an ROIC of just 5.5%, making it look far less attractive. Our clients would receive a very different picture of UIS had this adjustment not been made. Diligence pays.
André Rouillard and Sam McBride contributed to this report.
Disclosure: David Trainer, André Rouillard and Sam McBride receive no compensation to write about any specific stock, sector, or theme.


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The Electronic Intifada 29 June 2010
As cars plastered with the flags of Brazil, Germany, Argentina and other favorite World Cup teams drove across Beirut on Sunday, Palestinian refugees and their supporters carried Palestinian and Lebanese flags as they marched through the capital. They called for their human rights in Lebanon, where they have lived without them for more than six decades.
Closing off some of Beirut's main roads, thousands of demonstrators marched to revolutionary Arabic music carrying signs and chanting slogans like "we want our civil rights," and "we will never forget the right of return."
Milad Salameh, coordinator of Palestinian Youth Organization in the Nahr al-Bared refugee camp, explained "We came to march because it's important for Palestinians in Nahr al-Bared and elsewhere in Lebanon to take our rights. We can study and finish university, but we can't work. After 62 years we have to take our protest outside the camps to show the Lebanese people and the government what we want and what we need."
The Nahr al-Bared refugee camp, Lebanon's second largest Palestinian camp, was destroyed in 2007 during fighting between the Lebanese army and militants from Fatah al-Islam, a shadowy organization with fighters from across the region. The camp remains in ruins and under a tight army blockade that greatly restricts the movement of people and goods into the camp. It highlights the struggle for many Palestinian refugees in the country who increasingly fear that other refugee camps could soon follow the "Nahr al-Bared model."
Salameh added "Usually when we demonstrate it's against the war in Gaza or the war in Palestine. This march is important because it's the first time that we demonstrate specifically for Palestinians in Lebanon."
Lebanon currently hosts more than 400,000 Palestinian refugees who were expelled or fled from Palestine during the 1948 Nakba, when Zionist forces ethnically cleansed Palestine and founded the state of Israel. The UN General Assembly passed Resolution 194 in December 1948 which called for the right of return for Palestinian refugees and their descendants and compensation for their losses. Today the Palestinian refugee population is the oldest and largest refugee population in the world, numbering more than six million.
In Lebanon, Palestinian refugees have lived under discriminatory laws that deny them most basic civil rights. They are not allowed to work in more than 20 white collar professions, including medicine, law and engineering. Meanwhile, blue collar jobs require that Palestinians obtain work permits that must be renewed annually or if a worker changes employers. They are unable to own property and they are excluded from most social services offered by the state, even though they must pay social security fees to the Lebanese government in order to obtain a work permit. Large numbers of Palestinian refugees can also be found in nearby Syria and Jordan where they also face various forms of discrimination, although most human rights organizations have declared that the situation in Lebanon is the worst.
Sunday's march, which was held under the slogan "We want to live in dignity in order to return," was endorsed by more than 100 Palestinian, Lebanese and international non-governmental organizations in Lebanon. Buses brought Palestinians from the 12 refugee camps located across the country to two locations in Beirut where they marched separately across the city, coming together downtown. Organizers of the march originally planned to converge outside the Lebanese parliament, but after being denied a permit by the authorities they instead gathered outside the United Nations headquarters located nearby.
Rola Badran, organizer and Program Director of the Palestinian Human Rights Organization, explained that "The point of this event is to show Palestinians that we cannot stay waiting in the camps. We have to march and call for our rights."
Badran said that the march was part of ongoing campaign to put pressure not only on the Lebanese government, but also on the international community to recognize the Palestinian refugees' right of return.
The issue of granting rights to Palestinians refugees has always been controversial in Lebanon due to the uneasy sectarian balance established in the country's constitution. Christian politicians recently rejected four draft laws in the Lebanese Parliament that would have granted Palestinians the right to work and own property. Christian groups insist that respecting Palestinians' basic rights would lead to their naturalization as Lebanese citizens and tilt the sectarian balance in favor of Sunni Muslims. Palestinian groups have long refuted this, and state that it isn't Lebanese citizenship they want, only their human rights and to return to Palestine.
"We're not Sunni Palestinians, we are Palestinians," Badran said. "We are humans, we are here, we need to enjoy our dignity. That is the first step to go back to Palestine."
Matthew Cassel is an independent journalist and photographer based in the Middle East.

subset: commoncrawl


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Super Post adds many useful features for displaying your WordPress blog posts and post types is a better way. The plugin is compatible with all post types and automatically adds various useful options, gives you more controls over your blog content.
Continue reading Extend WordPress Options For Displaying Post Types In Better Way


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Infinite scroll
Bento comes with an option to replace the standard blog/portfolio/shop pagination with a more exciting solution - loading more items on the same page at the push of a button, without the need to refresh the page itself. It's faster and more engaging to the users! You can try it in action on the blog page - or download a free copy of Bento from the official WordPress.org repository and see for yourself. Get creative!


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Drinks Live Stations
Contact FunFair.sg at Sales 82180205 / 88832778, to enquire Now! or alternatively drop us an E-mail at email@example.com for your very own Drinks Live Stations!
Drinks Live Stations
Why Choose FunFair.sg?
At FunFair.sg, we're committed to providing the best prices in Singapore. That's why we're offering you our PRICE MATCH GUARANTEE! Here are 7 other reasons why we are the best choice!
Our Staff are always friendly with a pleasant smile.
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FunFair.sg are continually innovating and creating new concepts to provide added value to our customers.
Punctuality is the key to your event running smoothly. That's why at FunFair.sg we heavily emphasize punctuality and arrive half an hour earlier!


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NITRO Enterprise
Optimal Network, Application, and User Experience
NITRO™ Enterprise is a solution set that delivers advanced synthetic testing, providing IT teams with valuable analytics for network, service, and VoIP to optimize end-user experience.
As services are increasingly virtualized and migrated to the cloud, complex, dynamic hybrid IT environments create significant monitoring blind spots. While reducing CAPEX and OPEX, enterprises struggle to maintain optimal IT delivery and ensure end-user experience.
NITRO Enterprise meets these challenges head-on using the industry's first real-time intelligence platform to provide a highly scalable, multitenant foundation.
The VIAVI ObserverLIVE solution, is the cornerstone product of the NITRO Enterprise solution set, providing comprehensive monitoring visibility for IT services whether on-premises or in the cloud. Achieve optimal service delivery with end-to-end intelligence throughout the network lifecycle, from deploying and managing technologies to solving and optimizing performance.
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Laissez-nous vous aider
Nous sommes là pour vous aider à prendre une longueur d'avance.


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Lizard Design Limited ("we" and "our") takes your privacy seriously. We set out below the personal data which we collect from you, you may provide to us and how we process it. Please read these terms carefully to understand how we process your personal data. By visiting and using our website published at www.lizard-design.com ("Website"), you confirm that you accept and consent to the collection and processing of your personal data set out below. For the purpose of the data Protection legislation, the data controller is Lizard Design Limited, a company limited by shares, with registered number 03346844, with registered offices situated at Phoenix House 204b, New London Road, Chelmsford, CM2 9AB. "Lizard Desgin" is a trading name of Lizard Design Limited.
We may collect and process the following data about you:
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7.2 Depending on the circumstances, and the reasons which we hold your personal data, you may have the right to:
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8 Access to information8.1 The Data Protection Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
9 Changes to our privacy policy9.1 Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our privacy policy.
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to Lee Springthorpe, by email at:


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MOST PEOPLE CLENCH or grind their teeth from time to time. However, if you're doing so frequently—especially while you're sleeping—you may be damaging your teeth.
The Harmful Effects
If you grind your teeth at night (also called bruxing), you may already be experiencing the most obvious, immediate effects: namely, unexplained headaches and jaw pain. Chronic grinding can cause tooth fractures, loose teeth, and even tooth loss. Grinding can also wear down teeth and severely damage fillings and crowns. Left untreated, bruxism can lead to eventual bone loss in your jaw. https://www.youtube.com/watch?v=Kd311mRPa84
Unconscious Habits Can Be Hard To Correct
What's really frustrating about bruxing is that most people do it while they're asleep. That means the problem often goes unidentified for a long time. Do you find yourself waking up with headaches or a sore jaw? Does your loved one complain about these symptoms? If it has been happening for a while, you may actually start seeing worn-down teeth, or gums that are unusually inflamed.
We Can Help
We can diagnose bruxism, and make recommendations to help remedy it. There are many options, depending on the specific circumstances. Sometimes, treatment includes making a custom mouthguard to protect teeth. Or perhaps some dental adjustments can help your teeth better align. Let's talk about your lifestyle too. Perhaps stress reduction is in order and could help. We're not only interested in your smile, but also in your whole-body health. If you or someone you care for is struggling with bruxism, let's visit.


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When shopping for new furniture, it helps to know what to look for to ensure you're buying a sustainable product. According to a Nielsen survey, 63 per cent of Asia-Pacific respondents check a product's packaging to ensure a brand is committed to positive social and environmental impact. Evidence of third-party certification is the best way to check the sustainability credentials of a product. Read more about GECA's criteria for furniture in our info sheet.
Read the info sheet


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Mileage | 72,000 | Fuel Type | Petrol |
Engine Size | 1248cc | Transmission | Manual |
Body Style | Hatchback | Colour | Silver |
Please be aware that the specification on vehicles can sometimes differ from that shown above, including as a result of the use of third party data. Mileage readings are approximate only. Please reconfirm any details that are important to you with sales person who will be happy to help. Prices, offers and details of vehicles are subject to change at short notice. This vehicle may have been sold in the last 24 hours - please contact us to confirm the vehicle is still available.
Monday - Friday | 09.00 - 17.00 |
Saturday | 10.00 - 16.00 |
Sunday | By appointment only |
Trade Sales South Wales Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 673199. All finance is subject to status and income. Written quotation on request. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers.
It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact Trade Sales South Wales Ltd at Trethomas Service Station, Newport Road, Trethomas, Caerphilly, CF83 8BY. If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further information is available by calling the FOS on 0845 080 1800 or at http://www.financial-ombudsman.org.uk
Trade Sales South Wales Ltd are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 673199 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.
There is a £180 admin fee for any use of 3rd party finance companies
Registered in England & Wales: 06886289
Registered Office: Address: Trethomas Service Station, Newport Road, Trethomas, Caerphilly, CF83 8BY
View our Privacy Policy


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Flat Roof Installation in Pearland, Texas
Are you in need of a new flat roof on your home in Pearland, Texas? Flat roofs are long-lasting, and durable roofs, along with many more benefits which makes them a popular choice among homeowners in the area. Trinity Roofing & Builders has been specializing in Pearland flat roof installation and replacement for over 36 years. Trinity Roofing & Builders can help, whether you're needing to replace your old, worn-out roof or looking to put a new one on your home. Call today for a fast quote to learn more about our professional flat roof installation and replacement services,
Call for a FREE Quote
Benefits of Pearland Flat Roof Installation
When it comes to choosing the type of roof for your home there are many factors to consider. Flat Roofs have many benefits that make them an attractive option for homes. Flat roofs are affordable and quick to install, which are just a couple of benefits that flat roofs provide. Rooms that exist on the top floors of buildings can feel cramped due to sloping roofs, but flat roofs can make these spaces feel more spacious and make interior spaces more versatile. In addition to these benefits, flat roofs are more easily accessible and make a great option for the installation of air conditioning units and solar panels. If you're ready to reap the benefits of flat roofs, call Trinity Roofing & Builders today.
When is Roof Replacement Necessary?
Roofs are left to stand against the test of time against the elements of mother nature and get worn down after time. If you've noticed your roof leaking or other tell-tale signs that your roof has sustained damage, call the professionals. If you think that you may need a flat roof replacement in Pearland, call the professionals at Trinity Roofing & Builders.
Expert Flat Roof Replacement & Installation in Pearland
For residential properties, flat roofs provide a multitude of benefits. Trinity Roofing & Builders has been a trusted professional for flat roof installation and replacement in Pearland, Texas for over 36 years. We specialize in flat roofs so when you call Trinity Roofing & Builders for Pearland flat roof replacement or installation, you can be sure you are in good hands. Call us today to learn more about flat roof installation and get a fast, free quote.
★★★★★ - "Trinity did excellent work and settled my insurance claim. They are a very honest company, and easy to deal with. I got more money for my rotted decking."
Nick in Galveston, TX
2018-04-23 -
★★★★★ - "I am a widow and I live on a fixed income. Trinity got my insurance claim approved after it was denied the first time by myself. They are a very professional company and do quality work. They gave me a $850.00 discount."
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★★★★★ - "My roof claim was denied. I hired Trinity and they got my insurance claim paid. They also discounted the re-roof $850.00"
D. Allan in Galveston, TX
★★★★★ - "Trinity does a fine job and knows how to get an insurance claim paid. They gave me a $500.00 discount."
2017-05-03 -
★★★★★ - "5★★★★★ - "Trinity is honest and has integrity. They do quality work. They are very experienced in getting a insurance claim paid and supplemental billing too. My wife and I are pleased." 2017-05-03"
2017-05-03 -
★★★★★ - "Thank You SO MUCH for all of your hard work, time & effort dealing with the insurance company. I really appreciate it!!!!"
Penny in San Antonio, Texas
2013-04-11 -
★★★★★ - "Thanks to Monica meeting w/the Adjustors, I am gettin a new roof, everything repainted & fixed, a new storage shed, new commercial carpet installed in 3 rooms, and items too numerous to name! It pays to go with TRINITY Roofing & Remodeling!"
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2013-04-11 -
★★★★★ - "Thank you so much for all the great work your company has done on my home after the storm and water damaged it. The roof and gutters look great and the inside work is wonderful. TRINITY has gone well beyond the call of duty to work around my work schedule to get the inside work done so I did not have to take off any work. I, my friends, and co-workers are in need of homebuilding/repairs. Thank you all for everything! Also, want to thank you both for helping work with the insurance company to get all repairs cover at replacement costs. I will recommend your company too."
Cynthia Powell in Katy, Texas
2013-04-11 -
★★★★★ - "About a year ago I my electric bill was the highest I've seen in 10 years. My living room was always hot and fan's had to be used to get the cool air from the back of the house to the front and hopefully my A/C would stop running for a little while so my electric bill wouldn't keep going up. I needed a whole new system including ductwork. I did my due diligence and started getting quotes and the news just seemed to be bad. This was an expensive job. I decided for one more quote but not knowing who to call I passed the office on the way to church one Sunday morning. About a week later I was sitting in my kitchen with a very nice gentleman, Ken B., who sat with me patiently and answered all my questions. I was shocked at the quote he offered. I thought he was joking or leaving out a major part. A week later my A/C was being installed, everyone I had in my house was professional and courteous. The true test was when my next electric bill arrived. It dropped in half and it wasn't even a full month. I run my A/C at a lower temperature now than I ever have and my bill has not gone over $100 this whole year. I have gladly recommended Ken B. to all my friends & family when they need AC/Heating work on their house." Diane Neveling, Halliburton Energy Services in Houston, TX"
Anonymous, Roofing in Houston, TX
2013-04-11 -
★★★★★ - "Thanks for handled my replace damaged roof claims process at timely base. I was shopping around with few roof companies, but your hard work, reasonable pricing, and professional attitude impressed me, I am glad I made a right choice to use you and your team to replace my roof." Aiping DeGrassi"
Anonymous in Houston, TX


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"Catch-All" Google Chrome Malicious Extension Steals All Posted Data
- Introduction
It seems that malicious Google Chrome extensions are on the rise. A couple of months ago, I posted here about two of them [1][2] which stole user credentials posted on banking websites and alike. Now, while analyzing a phishing e-mail, I went through a new malware with a slight different approach: instead of monitoring specific URLs and focusing on credentials, it captures literally all data posted by the victim on any website – thus the name.
In today's diary, I'll detail the aspects of "Catch-All" malware that caught my attention. Let's start with the threat analysis diagram in Figure 1 followed by the text description in section 2.
Figure 1: "Catch-all" threat flow
2. Threat analysis
This campaign infection vector is a phishing e-mail with links to photos supposedly from the weekend pretending to be sent through Whatsapp. The subject is in Portuguese: "Segue as (Fotos Final de Semana ) Enviadas via WhatsApp (30244)". Something like "See the (Weekend Photos) Sent via WhatsApp (30244)";
Following any "photo" link, the victim will download the malware dropper file called "whatsapp.exe". Once executed, "whatsapp.exe" will present a fake Adobe PDF Reader install screen, as seen in Figure 2, while downloads, unzips (output are two files, md0 and md1) and executes a ".cab" file called "md18102136.cab", as seen in Figure 3.
Figure 2: Fake Adobe PDF Reader install screen
Figure 3: Dropper downloading malware payload
The "md18102136.cab" file is a ~9.5 Mb zip compressed that, after uncompressed, will result in two very large files of ~200Mb each as shown in Figure 4.
Figure 4: md18102136.cab content
Looking at the content of those binaries, it was possible to see that just ~3% of them had actual instructions, as seen in Figure 5. The rest are "NOP" code to bloat the file – possibly as a strategy to bypass anti-malware solutions that usually do not inspect large files.
Figure 5: Bloated binaries
Once executed, "md0" will attempt to disable Windows Firewall and kill all Google Chrome processes in order to install the malicious extension, as seen in Figure 6.
Figure 6: Disabling the Firewall and Killing Google Chrome processes
It then extracts from itself a Google Chrome extension and changes Google Chrome launcher (".lnk") files to load it on the next execution, as seen in Figures 7.
Figure 7: Loading malicious extension
This is the content inserted by the malware on "Target" field of Google Chrome link file:
"C:\Program Files (x86)\Google\Chrome\Application\chrome.exe" --disable-extensions-file-access-check --always-authorize-plugins --disable-improved-download-protection --load-extension="C:\Users\<USER>\AppData\Local\complemento\E1EDEAE8EFE3E0EEE0DC2610495
Note that, additionally to load the extension, it disables important security features that could avoid malicious extension to work properly.
--disable-extensions-file-access-check: disable checking for user opt-in for extensions that want to inject script into file URLs (ie, always allow it). This is used during automated testing.
--always-authorize-plugins: prevents Chrome from requiring authorization to run certain widely installed but less commonly used plug-ins.
--disable-improved-download-protection: disables improved SafeBrowsing download protection (do not verify files with built-in protection)
3. The malicious extension
After deobfuscating the malicious extension JavaScript source code, it was possible to analyze how it captures and leaks all data posted by the victim on any website. Looking at Figure 7, it is possible to see that it is encoding both URL and query string of "requestBody" and giving it to a function called "savetofile".
Figure 8: Capturing "requestBody" content
The function "savetofile", as seen in Figure 9, will send the captured data to a C&C server using jQuery ajax connections.
Figure 9: Leaking "requestBody" content
Debugging the extension while trying to log into Gmail, it was possible to see the content that would be sent to C&C server, as shown in Figure 10.
Figure 10: Data leaking
4. Final words
So, using such approach, an adversary would be able to capture high sensitive data with not much effort compared to standard methods. It wasn't necessary for the attacker to attract the victim to a fake website with doubtful SSL certificates or deploying local proxies to intercept web connections. Quite the opposite, the user is accessing original and legitimate websites and all the interactions are working properly while data is captured and leaked. In other words, this method may subvert many security layers the victim may have in place.
As I mentioned in previous related posts[1][2], it sounds strange to me Google Chrome allowing extensions access sensitive form fields, like passwords, without asking for an additional user's approval, as well as allowing an extension to silently and autonomously stablish a connection to an external entity. Additionally, browser security features that could protect user from harmful extensions can be disabled through command line arguments as in this case. Should non-tech savvy users be able to programmatically deploy rogue extensions? Comparing it to Android or iOS ecosystems, it is like allowing users to easily deploy apps not offered by official stores or another safe channel. What do you think?
5. Indicators of Compromise (IOCs)
MD5 (md0) = 72c35311136adaaf2c31d54b7d2c462e
MD5 (md1) = bbca1ced8eea1a63e4e05a7f7e368b69
MD5 (whatsapp.exe) = 713fed252238d2cbd48a18b3faa67a8e
Extension Files
MD5 (btwjvx.js) = 229495556791239ecf88e883124284b7
MD5 (ico.png) = 42ab831ae1520621f4117d3639b1131d
MD5 (java_128.ico) = a5c5f16f314bb022edcdb084850f0d63
MD5 (java_32.ico) = d7a6c3c105a0ab5dc39bdf5005f044b4
MD5 (java_64.ico) = 748e901736d11413f8856f9db82e7328
MD5 (manifest.json) = 214859fb1903fefb8c0142273953b4dc
MD5 (unjjmwv.js) = 5ca7582261c421482436dfdf3af9bffe
[1] https://isc.sans.edu/forums/diary/BankerGoogleChromeExtensiontargetingBrazil/22722/
[2] https://isc.sans.edu/forums/diary/Second+Google+Chrome+Extension+Banker+Malware+in+Two+Weeks/22766/
Renato Marinho
Morphus Labs| LinkedIn|Twitter


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Flights to Libya with Qatar Airways
Flight FAQ
The cost of flights to {DestinationCountry} will depend on your city of departure and chosen city of arrival in {DestinationCountry}; Qatar Airways fares to {DestinationCountry} start from {LowestFare}.
It is worth planning ahead to pick the right time to travel, as the price can vary depending on when you want to fly. Booking online at qatarairways.com means you can take advantage of exclusive fares and special offers on flights and take full control of your trip from beginning to end.
Flights departing from other cities will stop in transit at the state-of-the-art Hamad International Airport in Doha, Qatar. The airport is home to a myriad of entertainment, shopping and relaxation venues where you can take a break from your journey, stretch your legs and rejuvenate before your connecting flight. You can check our timetable (link to timetable) for flight times and frequency.
From the moment you step on board until you reach {DestinationCountry}, the award-winning cabin crew will take care of your every need. Prepare to enjoy renowned hospitality as you relax in a spacious seat, and keep warm with a cosy blanket for the ultimate comfort. Explore local and international flavours when you indulge in fine cuisine prepared with only the freshest ingredients. Explore up to 6,000 entertainment options on Oryx One, including the latest movie releases, TV series, music and games.


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Showing Collections: 1 - 2 of 2
Department of Mathematical Sciences records
Record Group
Identifier: RG-06-090
Scope and Contents
The records of the Department of Mathematical Sciences range in date from 1954 to 1992. They are divided into two subgroups. Records in subgroup 1 are primarily those of Dr. Eliezer Naddor, a Hopkins faculty member from 1956 to 1986 and Professor from 1964 to 1986, although they do contain a large amount of departmental administrative and student records. When removed from Naddor's office, these records were without order or arrangement; a series and file arrangement was imposed upon the...
Found in:
Special Collections
Richard L. Kagan papers
Identifier: MS-0676
The papers consist of author Richard Kagan's research files.
Found in:
Special Collections


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Clinical Rotations
In general, clinical rotations will be focused on areas where our students will gain the most: Emergency Medicine, Obstetrics and Gynecology, Surgery, and Traditional Chinese Medicine. There will be additional options depending on the strength of each hospital. Special request will also be considered if a student is more interested in a specific area of specialty.
Our Chinese partners in medical education are Tongji University School of Medicine in Shanghai; West China School of Medicine, Sichuan University in Chengdu, Sichuan Province; Peking University Health Science Center and Peking Union Medical College in Beijing.
(To manually control the slideshow, mouse over the image and a control bar will pop up.)


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You need to login to submit an event!
Our mission is to make your browsing and purchasing experience easy, fast and fair, so you can get your tickets or make registrations as quickly and as fast as possible.
AJVE Pty Ltd, STASHeverything.com, STASHeverything.com.au and STASHanything.com (collectively "STASHeverything") operate the STASHeverything booking system and web pages ("STASHeverything platform") for events created by EVENT ORGANISERS.
STASHeverything provides the STASHeverything platform and associated software to EVENT ORGANISERS so that they may list event details, set ticket inventory, sell tickets, take registrations and manage other event functions using the STASHeverything platform. STASHeverything provides access to certain parts of the STASHeverything platform to the general public so that they may transact and interact with the EVENT ORGANISER.
The following Terms and Conditions of Use and Purchase Policy ("these Terms") have been created to ensure you are happy with your ticket purchase and that you fully understand the purchase process with the EVENT ORGANISER who uses STASHeverything, the STASHeverything platform, STASHeverything powered partner websites and STASHeverything retail store associates to promote the EVENT ORGANISER's events, sell tickets, make registrations and bookings.
By using or visiting the STASHeverything platform, you expressly agree to be bound by these Terms and to follow these Terms and all applicable laws and regulations governing the STASHeverything platform. STASHeverything Pty Ltd, STASHeverything.com, STASHeverything.com.au and STASHeverything.co.nz (collectively "STASHeverything") reserve the right to change these Terms at any time, effective immediately upon posting on the STASHeverything platform. To ensure you are aware of the latest Purchase Policy and Terms and Conditions of Use, please check this page of the STASHeverything platform periodically which is available from every event page on the STASHeverything platform. The latest date of issue will be posted at the top of this page.
Permitted Use of the STASHeverything platform
You agree that you are only authorised to visit, view and to retain a copy of pages of STASHeverything platform for your own personal use, and that you shall not duplicate, download, publish, modify or otherwise distribute the material on this site for any purpose other than to review an event and its promotional information, for personal use, or to purchase tickets for your personal use, unless otherwise specifically authorised by STASHeverything to do so.
The content and software on this site is the property of STASHeverything and is protected by Australian and international copyright laws. We post a legal notice and various credits on the STASHeverything platform, which may not be amended or removed. You must not remove this notice or these credits, or any additional information contained along with the notices and credits.
Links and Search Results on the STASHeverything platform
The STASHeverything platform may include links posted by the EVENT ORGANISER or automatically produce search results that reference or link to third party sites throughout the World Wide Web. To the extent permitted by law, where STASHeverything has no control over these web sites or the content contained within them, STASHeverything cannot guarantee, represent or warrant that the content contained in third party websites is accurate, legal and/or inoffensive.
STASHeverything does not endorse the content of any third party site, nor do we warrant that they will not contain viruses or otherwise impact your computer in a harmful or damaging way. By using the STASHeverything platform to search for or link to another site, you agree and understand that you may not make any claim against STASHeverything for any damages or losses, whatsoever, resulting from your use of the STASHeverything platform to obtain search results or to link to another site. If you have a problem with a link from the STASHeverything platform, please notify us at firstname.lastname@example.com and we will investigate the problem you describe in your email and take actions that we deem are appropriate in our sole discretion.
Unauthorised Use of the STASHeverything platform
Illegal and/or unauthorised uses of the STASHeverything platform, whether for unauthorised ticket sales, unauthorised framing of or linking to the STASHeverything platform will be investigated and appropriate legal action will be taken.
Violation of these Terms and Conditions
If you violate these Terms including if you post or provide User Content which violates these Terms or has violated the rights of STASHeverything, any other User or the law, STASHeverything may terminate your use of the STASHeverything platform, prevent you from making all future bookings using the STASHeverything platform, and/or take legal action against you. Where this occurs, STASHeverything will provide you with reasonable prior written notice that this will be implemented, together with reasons for that action being taken. If you wish to dispute that decision of STASHeverything, you have 5 days within STASHeverything providing its notice to you to do so and STASHeverything will act reasonably in considering your response.
If you materially violate these Terms (which includes any breach of clause 6), in addition to paragraph 5(a), STASHeverything may cancel your ticket orders in which case STASHeverything will provide you with written notice of that cancellation together with reasons for that cancellation and will provide you with a refund of the ticket price paid by you.
You agree that monetary damages may not provide a sufficient remedy to STASHeverything for violations of these terms and conditions and you consent to injunctive or other equitable relief for such violations.
STASHeverything may release user information about you if required by law or subpoena, or if the information is necessary or appropriate to release to address an unlawful or harmful activity. This is in addition to any other uses permitted under our Privacy Policy.
STASHeverything is not required to provide any refund to you if you are terminated as a user because you have violated these Terms, except as expressly set out in these Terms.
STASHeverything Copyright Policy
You may only submit content to the STASHeverything platform ("User Content") where you have the rights to do so. In particular, you: may not use the STASHeverything platform to unlawfully transmit copyrighted material (including articles, images, stories and software) without a license, express consent, valid defence or fair use exemption to do so; and must ensure that the content you upload does not infringe the copyrights or other rights of third parties (such as privacy or publicity rights).
STASHeverything does not promise that the STASHeverything platform will be error-free, uninterrupted, nor that it will provide specific results from use of the STASHeverything platform or any content, search or link on it. The STASHeverything platform and its content are delivered on an "as-is" and "as-available" basis.
STASHeverything can not ensure that files you download from the STASHeverything platform will be free of viruses or contamination or destructive features although STASHeverything will take steps consistent with industry practice to protect against this occurring.
STASHeverything does not by these Terms exclude any rights and remedies in respect of goods or services under the Trade Practices Act 1974 (Cth) or equivalent state or territory legislation which cannot be excluded, restricted or modified. However, STASHeverything excludes all rights, remedies, conditions and warranties in respect of goods or services from your use of this site and the STASHeverything platform whether based in statute, common law or otherwise to the extent permitted by law. To the fullest extent possible, the following paragraphs of this clause 7 will apply.
STASHeverything will not be liable for any damages of any kind arising from the use of the STASHeverything platform, including without limitation, direct, indirect, incidental, and punitive and consequential damages. STASHeverything makes no guarantee of any specific result from use of the STASHeverything platform or use of the STASHeverything service.
STASHeverything disclaims any and all liability for the acts, omissions and conduct of any third party users, STASHeverything users, advertisers and/or sponsors on the STASHeverything platform, in connection with the STASHeverything service or otherwise related to your use of the STASHeverything platform and/or the STASHeverything service. STASHeverything is not responsible for the products, services, actions or failure to act of any venue, performer, promoter or other third party in connection with or referenced on the STASHeverything platform.
Without limiting the other provisions of this clause 7, you may report the misconduct of users and/or third party advertisers, service and/or product providers referenced on or included in the STASHeverything platform to STASHeverything at firstname.lastname@example.com. STASHeverything may investigate the claim and take appropriate action, in its sole discretion.
Payment Methods
STASHeverything processes your credit card depending upon the methods accepted by the EVENT ORGANISER which may include: Visa, MasterCard, BankCard, American Express, Diners Club and JCB.
Limits on Tickets purchases Per Customer
When purchasing tickets on STASHeverything, you are limited to a maximum of 10 tickets for each event unless the EVENT ORGANISER has authorised such purchases in its terms and conditions. If you try to circumvent the STASHeverything platforms to purchase more than 10 tickets the EVENT ORGANISER may at its discretion cancel additional bookings. This limitation has been designed to prevent unfair buying practices at popular events and make sure everyone gets a fair chance of attending the event.
Pricing and Ticket Availability
STASHeverything sells tickets on behalf of EVENT ORGANISERS which means STASHeverything does not determine the ticket prices, booking fees, postage and handling fees (if posted tickets are an option) or the seating selections.
Ticket inventory is the responsibility of the EVENT ORGANISER. Given inventory set by the EVENT ORGANISER, popular events may sell out quickly. Occasionally, additional tickets may be available in addition to inventory using STASHeverything set by the EVENT ORGANISER, however the EVENT ORGANISER controls this inventory and its availability.
Credit card purchases / proof of identity
Where you purchase your tickets using a credit card, in order to collect your tickets, you will be required to present the credit card used to purchase tickets and a picture identification, which must match each other and must match the name under which the booking was made.
You can only buy tickets with your parents or another persons credit card if:
You have both permission to use the credit card and can bring it to the event or;
You have permission to use the card and the card holder has completed the STASHeverything credit card authorisation form – you will need to bring the form completed by the card holder to the event – click here to view and print AND IF YOU DO NOT COMPLY WITH EITHER OF THE ABOVE, YOU WILL NOT BE LET INTO THE EVENT, even with a valid ticket.
All purchases are charged to your credit card at the time of purchase, not at the time of entry to the event.
Licensed venues / proof of identity
In Australia, STASHeverything sometimes sells tickets for events at licensed venues, and these venues require a valid drivers license, passport or proof of age to prove you are over 18 years of age. You may need to present this proof at the event venue to obtain admission.
Delivery of tickets
Through the STASHeverything platform the EVENT ORGANISER may elect to offer one or more of the following delivery options for your ticket order. The proof of identity requirements set out in clauses 12 and 13 will apply regardless of the delivery of ticket method used.
By "email / e-ticket" option:
The STASHeverything platform provides an opportunity for you to provide your email address and will attempt to deliver your e-ticket by email to that email address. If you do not receive your e-ticket then please contact STASHeverything by email email@example.com at least 48 hours before the scheduled event.
By "at the door" option:
Tickets delivered through "at the door" delivery option are typically available one hour prior to the event start time at the location set by the EVENT ORGANISER.
By " Scan " option:
Tickets delivered through "Scan" delivery option are typically available one hour prior to the event start time at the location set by the EVENT ORGANISER. You will be required to swipe the credit card at the door for online bookings. Therefore you MUST bring the credit card used to purchase the tickets.
By "Post" or "Registered Post" option
Please ensure you supply the correct billing and credit card account information for ticket orders as incorrect details will delay processing and delivery. STASHeverything and EVENT ORGANISER do not post to PO Boxes.
Delivery of tickets are the responsibility of the EVENT ORGANISER, unless STASHeverything has undertaken to provide this service to the EVENT ORGANISER. If you have selected delivery through the mail, please allow at least 10 working days after your order is made to receive your tickets from the EVENT ORGANISER unless the EVENT ORGANISER has provided express delivery options. If you have not received your tickets within 48 hours of the event, please contact the EVENT ORGANISER via the phone number or email address supplied on the EVENT ORGANISER STASHeverything event page or contact STASHeverything at firstname.lastname@example.com. Ticket issued tickets (issued from an authorised STASHeverything Retail Associate store)
You will need to swipe your ticket for entry which will typically be available one hour prior to the event start time at the location set by the EVENT ORGANISER. Therefore, you MUST bring your ticket to the event to gain entry. The STASHeverything Retail Associate will also issue you with a printed STASHeverything receipt. This is NOT your ticket. Only the ticket is valid for entry to the event.
Quick Purchases
As with other leading internet merchants, STASHeverything securely saves the billing and credit card information you provide during purchase. If you do not wish to use this information for future quick purchases please uncheck the check box next to "Save this card to my profile" during the booking process.
With mobile phone bookings charges will be made to the credit card stored on your accountfile and it is your responsibility to ensure these credit card details are accurate and updated.
Do not set your quick purchase settings or purchase tickets with your parents or another persons credit card unless you have their permission or have completed a credit card authorisation form – as you will not be let into the event – even with a valid ticket.
Cancelled Events
Occasionally, events are cancelled or postponed by the EVENT ORGANISER due to weather conditions or situations affecting the staff or audience. When this occurs, the EVENT ORGANISER will make every effort to ensure you receive a prompt refund and/or exchange if applicable.
If an event is cancelled or postponed, refunds will be determined by the EVENT ORGANISER. To find out about the refund availability and process: you will be notified by email if you have opted in to receive email updates; or you can review notices posted on the EVENT ORGANISER's website or contact the EVENT ORGANISER via the email address supplied on the EVENT ORGANISER's STASHeverything listing.
If the event was moved or rescheduled, the EVENT ORGANISER may set refund limitations. Contact the EVENT ORGANISER for exact instructions. If a refund has been confirmed by STASHeverything then the following refund method applies: If you booked online or by phone using a credit card, STASHeverything will automatically refund to the credit card used for purchase within 14-28 days of notifying you that a refund for this event applies.
If you booked in an authorised STASHeverything retail outlet, please return to the same outlet you purchased from and take along with you your tickets and/or STASHeverything receipt to obtain a full refund within 90 days of the event cancellation. You will be asked to sign for your refund and you may keep your ticket (if relevant). If you are genuinely unable to return to the store for a refund, please contact firstname.lastname@example.com providing details of the event and point of purchase and any other information as reasonably required to allow STASHeverything to arrange a refund. Note that any refunds conducted through this method will take significantly longer than refunds conducted through the retail outlet.
If you purchased the ticket(s) independently of the STASHeverything platform, you will need to return the tickets directly to the place where you purchased the tickets.
Exchanges and Refunds
Before purchasing tickets, carefully review your event and ticket selection. Policies set forth by EVENT ORGANISER will dictate the issuing of exchanges or refunds after a ticket has been purchased or for lost, stolen, damaged or destroyed tickets.
Other terms
EVENT ORGANISERS may reserve the right of:
Admission to events, latecomers may not be admitted until a suitable break.
To change/withdraw advertised artists, programs or seating without notice.
EVENT ORGANISERS may also append the STASHeverything terms and conditions and these additional terms are displayed and agreed to by the purchaser during the booking process.


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The first week of November is here which means some people are starting their Holiday shopping and others are finishing it. We here at Mushpa + Mensa want to get into the game by offering our super fans a free shipping code on any and all purchases. This code is HoHoHo! It will be in affect until January 1st, 2016. You can start out getting an amazing handmade Gingerbread Peep made of felt created using recycled plastic bottles for your Christmas tree. You're welcome!
Let's get this holiday party started!!!
Much love,
Mushpa + Mensa


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Merrick School of Business Resources
On one page we've attempted to place all the resource links that a graduate business student might need.
Find it Quick
Academics: course schedules, course descriptions, code of conduct, internships, global field studies, assessment rubrics, assurance of learning, required plagiarism tutorial, graduate assistantships, Sakai log-in
People: academic advisers, advisory boards, faculty, office of the dean, centers
News and Events: e-newsletter, news releases, social media
More to Think About: honor societies, clubs, FAQ's
University of Baltimore Resources: general information and calendars, UBalt academic services, UBalt administrative services, much more, including leadership programs and campus recreation
Course Schedules
Planning your degree path is an effective way to spend your education dollars wisely. It is the best way to stay on course for graduation.
We have created course schedules to accommodate our students and their advisers. Another resource to check out is UBalt's Schedule of Courses page.
Note: Schedules are subject to change.
Registration Dates
See all Registration Start Dates.
Course Descriptions by Business Discipline
INSS: Information Systems / Science
Browse the course descriptions of all courses that the Merrick School of Business offers.
Browse the course descriptions of all courses that the University of Baltimore offers.
School's Code of Conduct
The Merrick School of Business offers a student-centered education, in which degree candidates must take primary responsibility for their own learning.
Go to the the School's Code of Conduct page for more information.
The Merrick School of Business internship program is designed to augment classroom theory and to offer students opportunities to participate in carefully monitored, field-based learning experiences in organizations. The internship experience allows students to apply their education, gain experience in a particular field, and prepare for fulfilling careers.
Go to the the internships page for more information.
Global Study Opportunities
We recognize the importance of enhancing the knowledge-base of our students through global field studies. Each year, we offer opportunities to learn more about how business is conducted around the world. The Merrick School of Business offers Global Field Studies for academic credit.
Go to the the Global Study Opportunities page for more information. -
Assessment Rubrics
In the Merrick School of Business, assessment rubrics are a fundamental part of the assessment process.
Go to the the Assessment Rubrics page for more information. -
Assurance of Learning
Learn more about the learning goals, objectives and outcomes for each of our three graduate business programs.
Go to the the Graduate Business Assurance of Learning page for more information.
Required Plagiarism Tutorial
University of Baltimore students who need to fulfill the plagiarism tutorial requirement should enter through the UBalt portal. This will officially record completion of the tutorial. The "UBalt Student" button below will take you to the portal login page.
Graduate Assistantships
The Merrick School of Business offers several positions each year for graduate assistants. The positions are posted on the University of Baltimore Career Center's database UBWorks.
The Merrick School of Business is currently hiring fall 2022 Graduate Assistants.
> Graduate Assistantship – Merrick Advising Center
> Graduate Assistantship – Faculty Support
> Graduate Assistantship – Graphic Designer
> Graduate Assistantship – Assistant Dean's OfficeGo to the Office of the Provost's dedicated page to learn more about Graduate Assistantships.
We use the online learning platform Sakai for our classes. You can log into the portal here.
Academic Advisers
Advisory Boards
Our graduates are distinguished leaders in business, nonprofit and government organizations and many are leading local and national firms and institutions. Often our alumni are first-generation college graduates from modest backgrounds who understand that earning a business degree improves their career opportunities. As students, they often juggled the demands of studying, working, and personal and professional interests while pursing their degree. With over 26,000 business school alumni, the Merrick School of Business has one of the largest alumni bodies in our region with 80 percent staying right here in Maryland.
Learn more about our alumni, boards, partnerships and volunteer opportunities.
Our faculty blend theory and practice in the classroom and go beyond traditional methods of teaching to deliver a practical and well-rounded educational experience.
Office of the Dean
The Office of the Dean is dedicated to serving the needs of our students, faculty and staff. The Dean's Office is the central hub for all things academic in the Merrick School of Business.
The Centers in the Merrick School of Business, forge connections with the surrounding communities providing special research and study opportunities for students, faculty in a wide range of business fields.
News and Events
E-Newsletter, The Merrick Exchange
The Office of the Dean publishes the The Merrick Exchange e-newsletter several times a year to share our great news. -
News Releases
There is so much going on in the School of Business that we love telling the world. Here is a link to our recent news releases.
Social Media
The School of Business is currently using social media to tell our story and promote our activities, students and faculty. In the footer of our website, you will find all of the social media channels we use.
More to think about.
Honor Societies
Graduate students who have excelled in their respective programs are invited to join one of the five honor societies associated with the school.
Go to the the Honor Societies page for more information.
The UBalt Rosenberg Center for Student Involvement is your resource for student clubs. The Merrick School of Business works closely with the clubs that are aligned with business disciplines.
Got Questions? Go to our FAQ page.
University of Baltimore Resources
Academic Calendar
Check out the date to register for classes or file for graduation and everything in between on the Academic Calendar.
Tuition and Fees
Here is the official resource for UBalt's tuition and fees.
There are a number of Scholarships offered through the Office of Financial Aid.
Apply for Graduation
You've worked hard to pass all of your courses, so don't forget to apply for graduation.
Student Handbook
The University of Baltimore publishes the Student Handbook annually, but the policies and procedures may be subject to change during the academic year.
Academic Services
Achievement and Learning Center
Each year, more than 1,500 UBalt students take advantage of one or more of the free services offered by the Achievement and Learning Center.
Career and Internship Center
Getting a job or advancing your career requires more than a degree. Employers want well-rounded graduates with professional attitudes and skills developed through experiences beyond the classroom. That is where the Career Center comes in.
Counseling Center
The Counseling Center delivers mental health services to UBalt students. They promote personal growth and assist students with personal, social and academic concerns.
Office of Disability and Access Services
The Office of Disability and Access Services is committed to providing reasonable accommodations for students with documented disabilities and works to ensure access to all campus facilities and programs.
Diversity and Culture Center
The Diversity and Culture Center provides a wide range of services, educational programs, and cultural activities to support the creation of a multicultural community at the University of Baltimore.
Robert L. Bogomolny Library
Your research resource at the University of Baltimore can be found in the Robert L. Bogomolny Library.
Administrative Services
Office of the Bursar
The Office of the Bursar helps students with, tuition and fees (including those from prior semesters), paying your bill, tuition refunds and reductions, requesting financial aid/loan refund checks, military TA, waivers and third-party billing, and 1098-T tax information.
Office of Financial Aid
The Office of Financial Aid is committed to helping you achieve your educational goals. Through grants, scholarships, loans and work-study opportunities, they strive to ensure you receive the assistance you need to make your goals a reality. -
Office of the University Registrar
Office of the University Registrar is your one-stop shop for all the information you need about course listings, transcripts, exam schedules and various academic deadlines—whether you're a student, adviser, faculty member or alumni.
Office of Technology Services (OTS)
The Office of Technology Services (OTS) delivers and supports accessible, high quality technology solutions and information services. The services exist in order to enhance the user experiences in teaching and learning, to streamline business processes, to support community relationships and partnerships, and to facilitate a self-service approach to life-long learning.
And Much More
BeMore Leadership Program
Get involved in BeMore, is UBalt's leadership and community engagement program.