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Scary Times For Data Security
How are they accomplishing this? A new generation of hackers has learned to reverse engineer popular software programs (e.g. Windows, Outlook Java, etc.) in order to find so called "holes". Once those holes are exploited, the hackers develop "bugs" that infiltrate computer systems, search for sensitive data and return it to the bad guys. These bugs are then sold in the black market to the highest bidder. When successful, these hackers can wreak havoc across the globe.
I recently read a Time Magazine article titled "World War Zero: How Hackers Fight to Steal Your Secrets." The article discussed a new generation of software companies made up of former hackers. These firms help other software companies by identifying potential security holes, before they can be used in malicious exploits.
This constant battle between good (data and software security firms) and bad (smart, young, programmers looking to make a quick/big buck) is happening every day. Unfortunately, the average consumer (you and I) are the innocent victims of this crazy and costly war. As a consumer in today's digital and data-centric age, I worry when I see these headlines of ongoing data breaches from the Targets of the world to my local bank down the street. I wonder not "if" but "when" I will become the next victim. According to the Ponemon institute, the average cost to a company was $3.5 million in US dollars and 15 percent more than what it cost last year.
As a 20 year software industry veteran, I've worked with many firms across global financial services industry. As a result, my concerned about data security exceed those of the average consumer. Here are the reasons for this:
- Everything is Digital: I remember the days when ATM machines were introduced, eliminating the need to wait in long teller lines. Nowadays, most of what we do with our financial institutions is digital and online whether on our mobile devices to desktop browsers. As such every interaction and transaction is creating sensitive data that gets disbursed across tens, hundreds, sometimes thousands of databases and systems in these firms.
- The Big Data Phenomenon: I'm not talking about sexy next generation analytic applications that promise to provide the best answer to run your business. What I am talking about is the volume of data that is being generated and collected from the countless number of computer systems (on-premise and in the cloud) that run today's global financial services industry.
- Increase use of Off-Shore and On-Shore Development: Outsourcing technology projects to offshore development firms has be leverage off shore development partners to offset their operational and technology costs. With new technology initiatives.
Now here is the hard part. Given these trends and heightened threats, do the companies I do business with know where the data resides that they need to protect? How do they actually protect sensitive data when using it to support new IT projects both in-house or by off-shore development partners? You'd be amazed what the truth is.
According to the recent Ponemon Institute study "State of Data Centric Security" that surveyed 1,587 Global IT and IT security practitioners in 16 countries:
- Only 16 percent of the respondents believe they know where all sensitive structured data is located and a very small percentage (7 percent) know where unstructured data resides.
- Fifty-seven percent of respondents say not knowing where the organization's sensitive or confidential data is located keeps them up at night.
- Only 19 percent say their organizations use centralized access control management and entitlements and 14 percent use file system and access audits.
Even worse, those surveyed said that not knowing where sensitive and confidential information resides is a serious threat and the percentage of respondents who believe it is a high priority in their organizations. Seventy-nine percent of respondents agree it is a significant security risk facing their organizations. But a much smaller percentage (51 percent) believes that securing and/or protecting data is a high priority in their organizations.
I don't know about you but this is alarming and worrisome to me. I think I am ready to reach out to my banker and my local retailer and let him know about my concerns and make sure they ask and communicate my concerns to the top of their organization. In today's globally and socially connected world, news travels fast and given how hard it is to build trustful customer relationships, one would think every business from the local mall to Wall St should be asking if they are doing what they need to identify and protect their number one digital asset – Their data.
5 Data Challenges That Frustrate Chief Risk Officers
It has never been a more challenging time to be a Chief Risk Officer at a financial services firm. New regulations (CCAR, Basel III, BCBS 239, Solvency II, EMIR) have increased the complexity of the role. Today, risk management organizations must use precise data to measure risk, allocate capital and cover exposure. In addition, they must equip compliance groups to explain these decisions to industry regulators.
The challenges facing a Chief Risk Officer are even more daunting when the data at the heart of each decision is incomplete, inaccessible or inaccurate. Unless the data is complete, trustworthy, timely, authoritative and auditable, success will be hard to come by.
When data issues arise, most CROs lay blame at the feet of their risk applications. Next, they blame IT and the people and processes responsible for providing data to your risk modeling and analysis applications. However, in most situations, the issue with the data is neither the fault of the applications nor the IT groups. The reality is, most business users are unfamiliar with the root causes of data issues. More importantly, they are unfamiliar with available data and information management solutions to resolve and prevent similar issues. The root causes for existing data issues stem from processes and tools IT development teams use to deliver data to risk management groups. Regrettably, ongoing budget constraints, lack of capable tools, and fear of becoming obsolete have resulted in CIO leaders "throwing bodies at the problem." This approach consumes IT worker cycles, as they manually access, transform, cleanse, validate, and deliver data into risk and compliance applications.
So what are the data issues impacting risk management organizations today? What should your organization consider and invest in if these situations exist? Here is a list of issues I have heard through my own conversations with risk and technology executives in the global financial markets. The following section is to help Chief Risk Officers, VP of Risk Management, and Risk Analysts to understand the solutions that can help with their data issues.
Challenge #1: I don't have the right data in my risk applications, models, and analytic applications. It is either incomplete, out of date, or pain incorrect.
Root Causes:
- The data required to manage and monitor risk across the business originate from hundreds of systems and applications. Data volumes continue to grow every day with new systems and types of data in today's digital landscape
- Due to the lack of proper tools to integrate required data, IT developers manually extract data from internal and external systems which can range in the hundreds and comes in various formats
- Raw data from source systems are transformed and validated custom coded methods using COBOL, PLSQL, JAVA, PERL, etc.
Solutions that can help:
Consider investing in industry proven data integration and data quality software designed to reduce manual extraction, transformation, and validation and streamline the process of identifying and fixing upstream data quality errors. Data Integration tools not only reduce the risk of errors, they are designed to help IT professionals streamline these complex steps, reuse transformation and data quality rules across the risk data management process to enable repeatability, consistency, and efficiencies that require less resources to support current and future data needs by risk and other parts of the business.
Challenge #2: We do not have a comprehensive view of risk to satisfy systemic risk requirements
Root Causes:
- Too many silos or standalone data marts or data warehouses containing segmented views of risk information
- Creating a single enterprise risk data warehouse takes too long to build, too complex, too expensive, too much data to process all in one system
Solutions that can help:
- Data virtualization solutions can tie existing data together to deliver a consolidated view of risk for business users without having to bring that data into an existing data warehouse.
- Long term, look at consolidating and simplifying existing data warehouses into an enterprise data warehouse leveraging high performing data processing technologies like Hadoop.
Challenge #3: I don't trust the data being delivered into my risk applications and modeling solutions
Root Causes:
- Data quality checks and validations are performed after the fact or often not at all.
- Business believes IT is performing the required data quality checks and corrections however business lacks visibility into how IT is fixing data errors and if these errors are being addressed at all.
Solutions that can help:
- Data quality solutions that allow business and IT to enforce data policies and standards to ensure business applications have accurate data for modeling and reporting purposes.
- Data quality scorecards accessible by business users to showcase the performance of ongoing data quality rules used to validate and fix data quality errors before they go into downstream risk systems.
Challenge #4: Unable to explain how risk is measured and reported to external regulators
Root Causes:
- Related to IT manually managing data integration processes, organizations lack up to date, detailed, and accurate documentation of all of these processes from beginning to end. This results in IT not able to produce data lineage reports and information resulting in audit failures, regulatory penalties, and higher capital allocations that required.
- Lack of agreed upon documentation of business terms and definitions explaining what data is available, how is it used, and who has the domain knowledge to answer questions
Solutions that can help:
- Metadata management solutions that can capture upstream and downstream details of what data is collected, how it is processed, where it is used, and who uses it can help solve this requirement.
- Business glossary for data stewards and owners to manage definitions of your data and provide seamless access by business users from their desktops
Challenge #5: Unable to identify and measure risk exposures between counterparties and securities instruments
Root Causes:
- No single source of the truth – Existing counterparty/legal entity master data resides in systems across traditional business silos.
- External identifiers including the proposed Global Legal Entity Identifier will never replace identifiers across existing systems
- Lack of insight into how each legal entity is related to each other both from a legal hierarchy standpoint and their exposure to existing securities instruments.
Solutions that can help:
- Master Data Management for Counterparty and Securities Master Data can help provide a single, connected, and authoritative source of counterparty information including legal hierarchy relationships and rules to identify the role and relationship between counterparties and existing securities instruments. It also eliminates business confusion of having different identifiers for the same legal entity by creating a "master" record and cross reference to existing records and identifiers for the same entity.
In summary, Chief Risk Officers and their organizations are investing to improve existing business processes, people, and business applications to satisfy industry regulations and gain better visibility into their risk conditions. Though these are important investments, it is also critical that you invest in the technologies to ensure IT has what it needs to access and deliver comprehensive, timely, trusted, and authoritative data.
At the same time, CIO's can no longer afford wasting precious resources supporting manual works of art. As you take this opportunity to invest in your data strategies and requirements, it is important that both business and IT realize the importance of investing in a scalable and proven Information and Data Architecture to not only satisfy upcoming regulatory requirements but have in place a solution that meets the needs of the future across all lines of business. Click here to learn more about informatica's solutions for banking and capital markets.
Banking and Insurance Sessions at Informatica World 2014
Financial services is one of the most data-centric industries in the world. Clean, connected, and secure data is critical to satisfy regulatory requirements, improve customer experience, grow revenue, avoid fines, and ultimately change the world of banking and insurance. Data management improvements have been made and several of the leading companies are empowered by Informatica.
Who are these companies and what are they doing with Informatica?
To find out more, register and attend Informatica World 2014, May 12-15 at the Cosmopolitan Hotel, in Las Vegas.
Fifteen of the top financial services companies will share their stories and success leveraging Informatica for their most critical business needs. These include:
- Capital One
- Bank of New Zealand
- Fannie Mae
- Fidelity Investments
- Morgan Stanley
- Thomson Reuters
- Navy Federal Credit Union
- Wells Fargo Bank
- Westpac Banking Corporation
- Unum
- Great American Insurance Group, Property & Casualty Group
- Liberty Mutual
- Zurich
Informatica World 2014 will have over 100 breakout sessions covering a wide range of topics for Line of Business Executives, IT decision makers, Architects, Developers, and Data Administrators. Our great keynote line up includes Informatica executives Sohaib Abbasi (Chief Executive Officer), Ivan Chong (Chief Strategy Officer), Marge Breya (Chief Marketing Officer) and Anil Chakravarthy (Chief Product Officer). Our series of speakers will share Informatica's vision for this new data-centric world and explain innovations that will propel the concept of a data platform to an entirely new level.
Register today so you don't miss out.
We look forward to seeing you in May!
Customer Centric Financial Services
The business of financial services is transforming before our eyes. Traditional banking and insurance products have become commoditized. As each day passes, consumers demand increasingly personalized products and services. Social and mobile channels continue to overthrow traditional communication methods. To survive and grow in this complex environment, financial institutions must do three things:
- Attract and retain the best customers
- Grow wallet share
- Deliver top-notch customer experience across all channels and touch points
The finance industry is traditionally either product centric or account centric. However, to succeed in the future, financial institutions must become customer centric. Becoming customer-centric requires changes to your people, process, technology, and culture. You must offer the right product or service to the right customer, at the right time, via the right channel. To achive this, you must ensure alignment between business and technology leaders. It will require targeted investments to grow the business, particularly the need to modernize legacy systems.
To become customer-centric, business executives are investing in Big Data and in legacy modernization initiatives. These investments are helping Marketing, Sales and Support organizations to:
- Improve conversion rates on new marketing campaigns on cross-sell and up-sell activities
- Measure customer sentiment on particular marketing and sales promotions or on the financial institution as a whole
- Improve sales productivity ratios by targeting the right customers with the right product at the right time
- Identify key indicators that determine and predict profitable and unprofitable customers
- Deliver an omni-channel experience across all lines of business, devices, and locations
At Informatica, we want to help you succeed. We want you to maximize the value in these investments. For this reason, we've written a new eBook titled: "Potential Unlocked – Improving revenue and customer experience in financial services". In the eBook, you will learn:
- The role customer information plays in taking customer experience to the next level
- Best practices for shifting account-centric operations to customer-centric operations
- Common barriers and pitfalls to avoid
- Key considerations and best practices for success
- Strategies and experiences from best-in-class companies
Take a giant step toward Customer-Centricity: Download the eBook now.
Managing Risk and Compliance in Financial Services with Informatica Vibe!
Last week at Informatica World 2013, Informatica introduced Vibe, the industry's first and only embeddable virtual data machine (VDM), designed to embed data management into the next generation of applications for the integrated information age. This unique capability offers technology for banks and insurance companies to scale and improve their data management, integration, and governance processes to manage risk and ensure ongoing compliance with a host of industry regulations from Basel III, Dodd Frank, to Solvency II. Why is Vibe unique and how does it help with risk management and regulatory compliance?
The data required for risk and compliances originates from tens if not hundreds of systems across all lines of business including loan origination systems, loan servicing, credit card processors, deposit servicing, securities trading, brokerage, call center, online banking, and more. Not to mention external data providers for market, pricing, positions, and corporate actions information. The volumes are greater than ever, the systems range from legacy mainframe trading systems to mobile banking applications, the formats vary across the board from structured, semi-structured, and unstructured, and a wide range of data standards must be dealt with including MISMO®, FpML®, FIX®, ACORD®, to SWIFT to name a few. Take all that into consideration and the data administration, management, governance, and integration work required is massive, multifaceted, and fraught with risk and hidden costs often caused by custom coded processes or use of standalone tools.
The Informatica Platform and Vibe can help by allowing our customers to take advantage of ever evolving data technologies and innovations without having to recode and develop a lean data management process that turns unique works of art into reusable artifacts across the information supply chain. In other words, Vibe powers the unique "Map Once. Deploy Anywhere." capabilities of the Informatica Platform accelerates project delivery by 5x and makes the entire data lifecycle easier to manage and eliminates the risks, costs, and short lived value associated with hand coding or using standalone tools to do this work. Here are some examples of Vibe for risk and compliance:
- Built data quality rules to standardize address information, remove or consolidate duplicates, translate or standardize reference data, and other critical information to calculate risk within your ETL process or as a "Data Quality Validation" service in upstream systems
- Build rules to standardize wire transfer data to the latest SWIFT formats within your payment hubs as well as leverage the same rules in facilitating payment transactions with your counterparties.
- Build and execute complex parsing and transformation processes leveraging the power of Hadoop to handle large volumes of structured and unstructured data to analytics and utilize the same rules in downstream credit, operational, and market risk data warehouses.
- Define standard data masking rules once, and leverage it when using data with sensitive information for testing and develop as well as enforcing data access rights for ongoing data privacy compliance.
The "Map Once. Deploy Anywhere." capabilities inherent to Vibe drive:
- Faster adoption of new technologies and data – Banks and insurance companies can take rapid advantage of new data and technologies without having to know the details of the underlying platform, or having to hire highly specialized and costly programming resources.
- Reduced complexity through insulation from change – When data type, volume, source, platform or users change, financial institutions can simply redeploy their existing data integration instructions without re-specification, redesign or redevelopment on a new integration technology – like Hadoop.
Vibe is NOT a new product offering. It is a unique capability that Informatica supports through our existing platform comprised of our Data Integration, Data Quality, Master Data Management, and Informatica Life Cycle Management products. Whether it is Dodd Frank, Basel III, FATCA, or Solvency II, with Vibe, banks and insurance companies can ensure they have the right data and increase the potential to improve how they measure risk and ensure regulatory compliance. Visit Informatica's Banking/Capital Markets and Insurance industry solutions section of our website for more information on how we help today's global financial services industry.
Financial Services Sessions at Informatica World 2013
Data is one of the most important and value assets to banks and insurance companies across the globe to help comply with industry regulations, improve customer experience, find new revenue opportunities, and reduce the cost of doing business. These are universal needs and challenges and Informatica's industry leading solutions have helped over 780 financial services institutions increase their potential to achieve business success.
At Informatica World 2013, June 4-7 at the Aria Resort and Casino in Las Vegas, Nevada, we will be showcasing a wealth of valuable information to maximize value from your data assets and technology investments. The event includes over 100 interactive and informative breakout sessions across 6 dedicated tracks on (Platform & Products, Architecture, Best Practices, Big Data, Hybrid IT and Tech Talk).
There will also be a financial services path including guest speakers from the banking and insurance industry and from our Financial Services experts including:
- Morgan Stanley Wealth Management: Accelerating Business Growth While Protecting Sensitive Data: Find how Morgan Stanley built one of the largest Informatica platforms to mask and process over 150 thousand objects used by more than 1,000 applications globally and comply with today's data privacy regulations.
- Wells Fargo Bank's Data Governance Journey with Informatica: Hear and learn about Wells Fargo's data governance strategy, program, and how Informatica is used to deliver actionable, transparent, and trusted data to the business.
- Liberty Mutual Insurance: Architecture and Best Practices with Informatica Data Integration: Learn how Informatica Data Integration's metadata-driven architecture helps scale and support large data volumes and meet enterprise Liberty Mutual's demands for performance and compliance.
- Addressing Top Business Priorities in Banking and Insurance with MDM: Peter Ku, Senior Director of Financial Services Industry solutions share how Master Data Management is being used in Banking and Insurance to help address top business imperatives from regulatory compliance to finding new revenue opportunities.
Register today at www.informaticaworld.com and I look forward to seeing you there!
Bankers, Insurers – How Customer Centric Are You?
The need to be more customer-centric in financial services is more important than ever as banks and insurance companies look for ways to reduce churn as those in the industry know that loyal customers spend more on higher margin products and are likely to refer additional customers. Bankers and insurers who understand this, and get this right, are in a better position to maintain profitable and lasting customer loyalty and reap significant financial rewards. The current market conditions remain significant and will be difficult to overcome without the right information management architecture to help companies be truly customer centric. Here's why:
- Customer satisfaction with retail banks has decreased for four consecutive years, with particularly low scores in customer service.[1] Thirty-seven percent of customers who switched primary relationships cited in an industry survey showed poor customer service as the main reasons.
- The commoditization of traditional banking and insurance products has rapidly increased client attrition and decreased acquisition rates. Industry reports estimate that banks are losing customers at an average rate of 12.5% per year, while average acquisition rates are at 13.5%, making acquisitions nearly a zero-sum game. Further, the cost of acquiring new customers is estimated at five times the rate of retaining existing ones.
- Switching is easier than ever before. Customer churn is at an all-time high in most European countries. According to an industry survey, 42 percent of German banking customers had been with their main bank for less than a year. As customer acquisition costs running between of €200 to €400, bankers and insurers need to keep their clients at least 5 to 7 years to simply break even.
- Mergers and acquisitions impact even further the complexity and risks of maintaining customer relationships. According to a recent study, 17 percent of respondents who had gone through a merger or acquisition had switched at least one of their accounts to another institution after their bank was acquired, while an additional 31 percent said they were at least somewhat likely to switch over the next year.[2]
Financial services professionals have long recognized the need to manage customer relationships vs. account relationships by shifting away from a product-centric culture toward a customer-centric model to maintain client loyalty and grow their bottom lines organically. Here are some reasons why:
- A 5% increase in customer retention can increase profitability by 35% in banking, 50% in brokerage, and 125% in the consumer credit card market.[3]
- Banks can add more than $1 million to the profitability of their commercial banking business line by simply extending 16 of these large corporate relationships by one year, or by saving two such clients from defecting. In the insurance sector, a one percent increase in customer retention results in $1M in revenue.
- The average company has between a 60% and 70% probability of success selling more services to a current customer, a 20% to 40% probability of selling to a former customer, and a 5% to 20% probability of making a sale to a prospect.[4]
- Up to 66% of current users of financial institutions' social media sites engage in receiving information about financial services, 32% use it to retrieve information about offers or promotions and 30% to conduct customer service related activities.[5]
So what does it take to become more Customer-centric?
Companies who have successful customer centric business models share similar cultures of placing the customer first, people who are willing to go that extra mile, business processes designed with the customer's needs in mind, product and marketing strategy that is designed to meet a customer's needs, and technology solutions that helps access and deliver trusted, timely, and comprehensive information and intelligence across the business. These technologies include
Why is data integration important? Customer centricity begins with the ability to access and integrate your data regardless of format, source system, structure, volume, latency, from any location including the cloud and social media sites. The data business needs originates from many different systems across the organization and outside including new Software as a Service solutions and cloud based technologies. Traditional hand coded methods and one off tools and open source data integration tools are not able to scale and perform to effectively and efficiently access, manage, and deliver the right data to the systems and applications in the front lined. A the same time, we live in the Big Data era with increasing transaction volumes, new channel adoption including mobile devices and social media combined generating petabytes of data of which to support a capable and sustainable customer centric business model, requires technology that can handle this complexity, scale with the business, while reducing costs and improving productivity.
Data quality issues must be dealt with proactively and managed by both business and technology stakeholders. Though technology itself cannot prevent all data quality errors from happening, it is a critical part of your customer information management process to ensure any issues that exist are identified and dealt with in an expeditious manner. Specifically, a Data Quality solution that can help detect data quality errors in any source, allow business users to define data quality rules, support seamless consumption of those rules by developers to execute, dashboards and reports for business stakeholders, and ongoing quality monitoring to deal with time and business sensitive exceptions. Data quality management can only scale and deliver value if an organization believes and manages data as an asset. It also helps to have a data governance framework consisting of processes, policies, standards, and people from business and IT working together in the process.
Lastly, growing your business, improving wallet share, retaining profitable relationships, and lowering the cost of managing customer relationships requires a single, trusted, holistic, and authoritative source of customer information. Managing customer information has historically been in applications across traditional business silos that lacked any common processes to reconcile duplicate and conflicting information across business systems. Master Data Management solutions are purposely designed to help breakdown the traditional application and business silos and helps deliver that single view of the truth for all systems to benefit. Master Data Management allows banks and insurance companies to access, identity unique customer entities, relate accounts to each customer, and extend that relationship view across other customers and employees including relationship bankers, financial advisors, to existing agents and brokers.
The need to attract and retain customers is a continuous journey for the financial industry however that need is greater than ever before. The foundation for successful customer centricity requires technology that can help access and deliver trusted, timely, consistent, and comprehensive customer information and insight across all channels and avoid the mistakes of the past, allow you to stay ahead of your competition, and maximize value for your shareholders.
[1] 2010 UK Retail Banking Satisfaction Study, J.D. Power and Associates, October 2010.
[3] CRM2Day
[4] "Customer Winback"
[5] Mortgage Servicing News
Maximize the Potential Business Value from New Core Banking/Insurance Application Investments
According to the IDC Financial Insights 2013 Predictions report, financial institutions across most regions are getting serious about updating their legacy systems to improve reduce operating costs, automate labor intensive processes, improve customer experiences, and avoid costly disruptions. Transforming a bank's core systems or insurance provider's main business systems is a strategic decision that has far-reaching implications on the firm's future business strategies and success. When done right, the capabilities offered in today's modern banking and insurance platforms can propel a company in front of their competition or be the nail in the coffin if your data is not migrated correctly, safeguards are not in place to protect against unwanted data breaches, and if you are not able to decommission those old systems as planned.
One of the most important and critical phases of any legacy modernization project is the process of migrating data from old to new. Migrating data involves:
- Ability to access existing data in the legacy systems
- Understand the data structures that need to be migrated
- Transform and execute one-to-one mapping with the relevant fields in the new system
- Identify data quality errors and other gaps in the data
- Validate what is entered into the new system by identifying transformation or mapping errors
- Seamlessly connect to the target tables and fields in the new system
Sounds easy enough right? Not so fast! (more…)
Key Data Challenges to Overcome for FATCA Compliance
While Dodd Frank received most of the media attention after the great financial crisis, during that period, the U.S. government signed into law the Foreign Account Tax Compliance Act (FATCA) back in March 2010 which will require Foreign Financial Institutions (FFIs) to report the names of U.S. persons and owners of companies who have bank accounts in foreign accounts for tax reporting and withholding purposes.
The law was set to go into effect on January 1, 2013 however on October 24, 2012, the U.S. Internal Revenue Service (IRS) announced a one year extension to January 1, 2014 to give FFIs more time implement procedures for meeting the FATCA reporting requirements. Banks who elect not to comply or fail to meet these deadlines will be tagged as a 'non-participating FFI' and subject to a 30% withholding tax on all U.S. sourced income paid to it by a U.S. financial institution. Ouch!!
The reasons for FATCA are fairly straight forward. The United States Internal Revenue Service (IRS) wants to collect its share of tax revenue from individuals who have financial accounts and assets in overseas banks. According to industry studies, it is estimated that of the seven million U.S. citizens and green card holders who live or work outside the U.S., less than seven percent file tax returns. Officially, the intention of FATCA is not to raise additional tax revenue but to trace its missing, non-compliant taxpayers and return them to the U.S. tax system. Once FATCA goes into effect, the IRS expects it will collect an additional $8.7 billion in tax revenue.
Satisfying FATCA reporting requirements will require banks to identify:
- Any customer who may have an existing U.S. tax status.
- Customers who hold a U.S. citizenship or green card.
- Country of birth and residency.
- U.S.-based addresses associated with accounts – incoming and outgoing payments.
- Customers who have re-occurring payments to the U.S. including electronic transfers and recipient banks located in the U.S.
- Customers who have payments coming from the U.S. to banks abroad.
- Customers with high balances across retail banking, wealth management, asset management, Investment and Commercial Banking business lines.
Although these requirements sound simple enough, there are many data challenges to overcome including:
- Access to account information from core banking systems, customer management and relationship systems, payment systems, databases and desktops across multiple lines of business which can range into the hundreds, if not thousands of individual data sources.
- Data varying in different formats and structures including unstructured documents such as scanned images, PDFs, etc.
- Data quality errors including:
- Incomplete records: Data that is missing or unusable from the source system or file yet required for FATCA identification.
- Non-conforming record types: Data that is available in a non-standard format that does not integrate with data from other systems.
- Inconsistent values: Data values that give conflicting information or have different definitions with similar values.
- Inaccuracy: Data that is incorrect or out of date.
- Duplicates: Data records or attributes are repeated.
- Lack of Integrity: Data that is missing or not referenced in any system.
Most modern core banking systems have built in data validation checks to ensure that the right values are entered. Unfortunately, many banks continue to operate 20-30 year-old systems, many of which were custom built and lack upstream validation capabilities. In many cases, these data errors arise when combining 'like' data and information from multiple systems. Given the number of data sources and the volume of data that banks deal with, it will be important for FFIs to have capable technology to expedite and accurately profile FATCA source data to identify errors at the source as well as errors that occur as data is being combined and transformed for reporting purposes.
Another data quality challenge facing FFI's will be to identify unique account holders while dealing with the following data anomalies:
- Deciphering names across different language (山田太郎 vs. Taro Yamada)
- Use of Nicknames (e.g. John, Jonathan, Johnny)
- Concatenation (e.g. Mary Anne vs. Maryanne)
- Prefix / Suffix (e.g. MacDonald vs. McDonald)
- Spelling error (e.g. Potter vs. Porter)
- Typographical error (e.g. Beth vs. Beht)
- Transcription error (e.g. Hannah vs. Hamah)
- Localization (e.g. Stanislav Milosovich vs. Stan Milo)
- Phonetic variations (e.g. Edinburgh – Edinborough)
- Transliteration (e.g. Kang vs. Kwang)
Attempting to perform these intricate data validations and matching processes requires technology that is purposely built for this function. Specifically, identity matching and resolution technology that leverages proven probabilistic, deterministic and fuzzy matching algorithms against any data of any language, capable of processing large data sets in a timely manner and that is designed to be used by business analysts versus an IT developer. Most importantly, being able to deliver the end results into the bank's FATCA reporting systems and applications where the business needs it most.
As I stated earlier, FATCA impacts both U.S. and non-U.S. banks and is as important for the U.S. tax collectors as well as to the health of the global financial and economic markets. Even with the extended deadlines, those who lack capable data quality management processes, policies, standards and enabling technologies to deal with these data quality issues must act now or face the penalties defined by Uncle Sam.
Reliable, Trusted, and Accurate Data is More Important for Insurance Companies Post-Hurricane Sandy
Like most Americans last week, I was glued to the news several days prior to Hurricane Sandy hitting landfall on the East Coast of the United States, hoping it would pass with minimal damage. Having lived in Hawaii and Florida for most of my life, I personally experienced three hurricanes and know how devastating these natural disasters can be during the storm and the hardships people go through afterwards. My thoughts are with all those who lost their lives and their belongings due to this disaster.
Hurricane Sandy has been described as one of the largest storms both in size and in property damage to homes and businesses. According to the New York Times, the total economic damage from Hurricane Sandy will range between $10 to $20 billion with insurance companies paying for $5 to $10 billion in insurance claims. At the high end of that range, Sandy would become the third-most expensive storm for insurers in U.S. history. As property, casualty and flood insurance companies prepare to face a significant wave of calls and claims requests from policyholders, I wonder what the implications and costs will be for these companies who lack reliable, trusted and accurate data which has plagued the industry industry for years.
Reliable, trusted, and accurate data is critical in helping insurance companies manage their business from satisfying regulatory requirements, maintaining and growing customer relationships, combating fraud, to reducing the cost of doing business. Unfortunately, many insurance companies, large and small, have long operated on paper-based processes to onboard new customers, manage policy changes and process claim requests. Though some firms have invested in data quality and governance practices in recent years, the majority of today's insurance industry has ignored the importance of managing and governing good quality data and dealing with the root causes to bad data including:
- Inadequate verification of data stored in legacy systems
- Non-validated data leaks and data entry errors made by human beings
- Inadequate or manual integration of data between systems
- Redundant data sources/stores that cause data corruption to dependent applications
- Direct back-end updates with little to no data verification and impact analysis
Because of this, the data in core insurance systems can contain serious data quality errors including:
- Invalid property addresses
- Policyholder contact details (Name, Address, Phone numbers)
- Policy codes and descriptions (e.g. motor or home property)
- Risk rating codes
- Flood zone information
- Property assessment values and codes
- Loss ratios
- Claims adjuster estimates and contact information
- Lack of a comprehensive view of existing policyholder information across different policy coverage categories and lines of business
The cost of bad data can be measured in the following areas as firms gear up to deal with the fallout of Hurricane Sandy:
- Number of claims errors multiplied by the time and cost to resolve these errors
- Number of phone calls and emails concerning claims processing delays multiplied by the time per phone call and the cost per Customer Service Rep or field agents handling those requests
- Number of fraudulent claims and the loss of funds from those criminal activities
- Number of policy cancellations caused by poor customer service experienced by existing policy holders
- Not to mention the reputational damage caused by poor customer service
Having a sound data quality practice requires a well-defined data governance framework consisting of the following elements:
- Data quality policies that spell out what data are required, how they should be used, managed, updated and retired. More importantly, these policies should be aligned to the company's goals, defined and maintained by the business, not IT.
- Data quality processes that involve documented steps to implement and enforce the policies described above.
- Specific roles including data stewards that represent business organizations, core systems (i.e. Underwriting Data Steward), or Data Category stewards who understand the business definition, requirements and usage of key data assets by the business.
Finally, in addition to the points listed above, firms must not discount or ignore the importance of having industry leading data quality software solutions to enable an effective and sustainable data quality practice including:
- Data profiling and auditing to identify existing data errors in source systems, during data entry processes and as data is extracted and shared between systems.
- Data quality and cleansing to build and execute data quality rules to enforce the policies set forth by the business.
- Address Validation solutions to ensure accurate address information for flood zone mapping and loss analysis
- Data Quality dashboards and monitoring solutions to analyze the performance and quality levels of data and escalate data errors that require immediate attention.
As cleanup activities progress and people get back on their feet from Hurricane Sandy, insurance companies should take the time to measure how well they are managing their data quality challenges and start looking at addressing them in preparation for these inevitable events caused by Mother Nature.


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Very pleased...good quality. This dress looks and feels very expensive.
The fit was bad. It fit well in the bottom half. But the chest area was WAY too big!! Wanted to keep it. But it would have been too hard to fix. Had to send back.
Items must be returned in new or unused condition and contain all original materials included with the shipment. More details
FINAL SALE EXCLUSION: Items marked as FINAL SALE are not returnable unless the problem you experience is the result of our error.
Our standard shipping method is ground shipping. We also offer expedited shipping for most items. Your final shipping cost and estimated delivery timeframe will be available at checkout.
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* For your safety, some orders go through our loss prevention department. If we select your order for this process, we will immediately notify you that there may be up to a 3-day delay on your order.
** Most Oversize orders are delivered within 1-4 weeks. Some orders may take 6 weeks to be delivered.

subset: commoncrawl


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A collection of news and information related to NBA Conference Finals published by this site and its partners.
Top NBA Conference Finals Articles
Displaying items 12-22
Miami Heat White Hot Selfie contestStory | Apr 17, 2014 | 3:10 PMSun Sentinel Miami Heat White Hot Selfie contest Official Rules NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. The Sun Sentinel Miami Heat White Hot Selfie contest is sponsored by Sun Sentinel...
Grrrrr! Here come the Heat again
'Earl the Pearl' celebrates autobiography and Baltimore
Battier breaks through when stakes are at their highestStory | Jun 21, 2013 | 3:04 AMMoments after making his way out of the Heat's champagne-soaked locker room early Friday morning, Shane Battier strode through the AmericanAirlines Arena and made his way onto the podium for the traditional post-game press conference. There, the...
2013 NBA Eastern Conference Finals Game 7 Heat vs Pacers is TNT's third most-viewed program everStory | Jun 4, 2013 | 4:32 PMLast night's presentation on TNT of the 2013 NBA Eastern Conference Finals Game 7, the decisive game between the Miami Heat and Indiana Pacers, became TNT's third highest-rated and third most-viewed program in its history, according to a release from...
This weekend: Oklahoma disaster, LeBron James, Lenny Kravitz
Thursday: LeBron James, Clint Eastwood, Hannibal Lecter
'Destiny' trailer: 'Law of the Jungle' shows action, no gameplayStory | May 23, 2013 | 6:53 PMBungie, the creator of the bestselling "Halo" video game franchise, has released a trailer for its upcoming game "Destiny." The […]...
NBA Conference Finals 2013 TV scheduleStory | May 17, 2013 | 4:32 PMNBA Conference Finals 2013 TV schedule schedule for the Memphis Grizzlies vs. San Antonio Spurs West series on ABC/ESPN and the Miami Heat vs. Indiana/New York East series on TNT. RELATED: 2013 NBA playoffs conference quarterfinals schedule/results NBA...
NBA TV schedule 2012-13Story | Oct 24, 2012 | 4:32 PMNBA TV schedule 2012-13 begins Oct. 30 on TNT as the Boston Celtics visit the Miami Heat. Full NBA national TV schedule for ESPN, ABC, TNT and NBA TV. The NBA regular season tips off Tuesday, Oct. 30, at 8pm ET on TNT as the Miami Heat's title...
Brooks golf tourney coming


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Categories > TV > Stargate: Atlantis > A New Enemy
A New Enemy1 Reviews
Rising part 2 from Sumner's POV from the time he was captured by the Wraith.
Summary: Rising part 2 from Sumner's POV from the time he was captured by the Wraith.
With the lost city of Atlantis failing on us, we had picked an address from the Ancient database and dialed it. I and some Marines (including the Air Force Major Sheppard- I was not happy about that, but Dr. Weir had ordered Sheppard to come along) had stepped through the gate to see if we could relocate there. We walked around for a couple of minutes before we met a couple of kids and a man who told us his name was Halling. Halling then told us Teyla, presumably their leader, would like to meet us. I was not expecting their leader to be a woman who looked to be in her 30s. I was, perhaps, not the politest I could have been to her.
When we were walking there, I heard one of the kids tell Sheppard about something called the Wraith. I wondered what the Wraith were. Sheppard suggested that the Wraith were the enemy the Ancients fought over 10,000 years ago. It seemed quite possible. Teyla indeed seemed quite shocked that we had never heard of the Wraith. Well, I was going to find out personally who and what the Wraith were later that day.
While we were there, the village was attacked by some alien space ships that looked suspiciously like darts. The attack naturally created chaos. The natives ran towards the trees as these dart ships flew around, scooping people up with its white beam. I myself was shooting at the mist that seemed to be everywhere. Then Sheppard came on the radio and told me to shoot at the ships and not the mist because the mist was only an illusion. It made sense, so I looked around and found my head-of-security, Sargent Bates, hovering by the DHD looking around, clearly scared.
The last thing I remember doing was telling Bates to shoot the ship with a missile launcher, which he did... and then, I woke up in a cell.
I wasn't the only one awake. A couple of my men were awake, as well as some of Teyla's people.
"Where are we? Who took us?" I asked the tall Athosian, Halling, if I remembered his name correctly.
"The Wraith," was his only answer. Well, it looks like I'll get to be meeting these Wraith. I thought.
The last person to wake in the cell was the village leader- Teyla. As soon as she was awake, she sat up and Halling and another one of her people helped her stand.
"Are you all right?" One of Teyla's people asked his leader. Teyla didn't answer his question and instead asked where we were.
"Any idea what to expect?" I asked her instead from where I stood by the cell door. She shook her head.
"No," she said, looking around the cell.
"Your friend was the one who said the Wraith would come if we went down into the ruins," I said pointing at the man who had asked if Teyla was all right.
"Perhaps you should have heeded his warning," Halling said speaking up for the first time since Teyla awoke.
I, however, was still suspicious that we were somehow betrayed by one of Teyla's people; or, perhaps even Teyla herself. "How do I know he'd not the one who told them?" Teyla didn't reply because loud footsteps let us know our 'hosts' were coming.
"Someone comes," Halling said. A tall being, a Wraith, then walked along the corridor heading for the cell. The Wraith was tall, thin and had very long white hair that hung down his back. Even at one glance you could tell that these... things weren't human as they also had a different color of skin, and had big teeth. The Wraith wasn't alone. He had two guards with him, but you couldn't see their faces since they wore a mask. While they were walking towards the cell, we all took a step or two back. Though once the lead Wraith walked in, I stepped forward.
"I'm Colonel Marshall Sum..." I started, but was cut off when the lead threw me across the cell, and I crashed into the floor. The Wraith then looked at one of Teyla's people and gestured at him to come with them. The man looked terrified of them- he was visibly shaking and kept glancing around him as if hoping that the Wraith meant someone else and not him.
"No, please," the man pleaded desperately. It was pointless because one of the guards picked him up by the throat and walked out with him.
"Take me in his place!" Teyla said desperately. You had to admire her courage, even if her plea didn't work. I too wasn't going to let an innocent (no matter if I liked the guy or not) get killed. So I also tried to make the Wraith change their minds.
"No, take me!" I said standing up. "We're the ones you're after, right? I'm their leader." The Wraith apparently didn't care if I was their leader or not, as he just walked away. When he did, the door sealed shut behind him. Teyla and I watched the retreating back of the Wraith.
"They have no need to explain themselves," she said.
"Yeah, I got that."
Sometime later the Wraith and his guards returned, without Teyla's friend. This time, however, they walked straight to me. The leader looked at me for a moment and then snarled at me before turning around to leave. I took that as a hint that it wanted me to follow it. I glanced back at my men, and then followed the Wraith. I had a feeling I wasn't going to make it out of this alive.
The Wraith brought me to a room with a long rectangle table filled with food and plates. There was one corpsesitting at the end of the table towards, wearing the clothes that Teyla's friend had on. Apparently, the corpse was that man, though I had no idea how he could have gotten like that in such a short amount of time.
I walked towards the end of the table farthest from the entrance and turned around when I heard a sound. That was when I heard the sound of someone dropping down from behind me. I turned around and found a female Wraith with red hair behind me.
"What do you call yourself?" The female Wraith asked me.
"Colonel Marshall Sumner, United States Marine Corps," I replied. My name was the only information I was giving this enemy.
"So little fear," the Wraith said. "Is it valour... or ignorance?"
"We traveled through the Stargate as peaceful explorers." I told it.
"You must eat," the Wraith said, "yet you resist your hunger. Why?" Why does she care if I eat or not? I wondered. I decided to try and get some information out of her.
"Why have you taken my people prisoner?"
"You trespassed upon our feeding ground," the Wraith replied.
Feeding ground? "Feeding ground?" I asked aloud.
"All living things must eat," the Wraith said. "In this I'm sure we are similar. You feel hunger even now- I can sense it." Yet you resist. Why?"
Do these thing have some sort of empathy power or something? "Why do you care?" I said voicing my earlier thought.
"Hunger is distasteful."
I looked at the corpse of Teyla's friend. "Looks to me like the food didn't agree with him."
"There we are quite dissimilar, Colonel Sumner," she said and leaned over the corpse, and ran a long fingernail down its head. "We don't require our food to agree with us." What does that mean?
"What do you call your world?" The Wraith asked me. I refuse to tell it anything about my home world. It apparently didn't matter if I told her or not, since she got most what she wanted to know out of me in the end.
'What do you call your world?' It repeated, only its mouth wasn't moving. Telepathy, I thought straining to keep her out of my mind. It was very difficult.
'"What do you call your world?' The female Wraith leader demanded.
I was trying really hard not to answer, but despite all of my efforts, the Wraith still managed to get it out of me. "Earth."
"It is not among our stars."
I tried really hard not to answer, but all my trying was not good enough. "No."
"Tell me of Earth," she said, "how many more are there of your kind?"
Again, I tried to not let her in my mind, and while she didn't get the exact number of Earth's population, she got enough information.
"Thousands? Millions? More," The Wraith sounded delighted at the thought of more humans to eat. "Our feeding ground has not been so rich in ten thousand years. Your will is strong," The red-haired female Wraith told me. She pointed to the corpse in the chair. "This one begged for his life."
"Is that the kind of treatment I can expect for myself and my people?" I asked.
"As I have said," she said, "all living things must eat."
"Then we're done talking." "I think not," She replied. Kneel." I didn't move a muscle. She then reached towards me. I grabbed her hand, but she ran her fingernail down the side of my face. She then told me telepathically to kneel. I couldn't help it, and knelt against my will.
"I have not tasted such strength in so long," she said, and then ripped my shirt open. "Go to hell," I said.
"Earth first," was her reply. Then she slammed her open palm onto my chest, right over my heart. Her nails dug into my skin, and I felt pain. I couldn't help it and screamed from the pain of whatever it was she was doing to me. I knew that I wouldn't last much longer. "How many years must I take form you before you tell us what I wish to know?" She asked, hand still on my chest. Years?
"Or should I take them all?" she volunteered. Still screaming, I felt my self grow weaker by the minute.
"Where is this new feeding ground?"
"I won't," I managed to get out between screaming. Suddenly, I heard the sound of gunfire. The female Wraith looked around, but didn't take her had off my chest. I too looked, as far as my eyes could move, to see where the gunfire came from. My eyes trailed up and saw a gap in the wall where Sheppard was laying down. I knew I was near death, but I did not want to die by the hand of the Wraith. So my eyes pleaded with Sheppard to end the pain. Sheppard cocked his head to the side a little bit as if to say 'does he really want me to shoot him?' He must have done it, because a second later I felt a sharp pain enter right about where her hand was. She screamed and lifted her hand off my chest. The last thing I saw as I fell towards the ground was Sheppard getting covered briefly in blue light.
So, how was that? Please let me know by reviewing!


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Written by:
It all started when Mr. Pie was a little bugger,
Just a wisp of fluff in the palm of your hand.
"Oh, isn't mama's little man the most handsomest EVER?!"
Not a day has gone by when he has argued that point!
"Be careful with all that encouragement" I prophetically warned,
"It may go straight to his head!!"....and what a head it became!!
Grey, dignified, regal....a lions mane with white marbling.
2 golden eyes piercing you with that casually bored stare one may give to one's shoes.
Every morning at 8 am and every night at 10 pm he demonstrates his knowledge of time.
Head-butting the door and SCREAMING the words "MOM!!!
MAAAWWWMMMM!!......NOW???!!???.........MOM??? NOWWWWW??" (for real!!)
Needless to say, he's got us trained pretty well,
But we're still working on house-breaking me!!!!!
He still has yet to teach us PROPER portion control,
And I get the impression I'm not so popular when I give less than expected.
Maybe it's the "Death-threat" stare, or maybe the Kitty Log in my slippers, I don't know!
All I can tell you is don't EVER make the mistake of addressing him as a "cat"
Or you may come to know the justice of King Pie, The Terrible........just a warning!!


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Like many of you who have been discussing the issue on Twitter and Facebook today, I was angered to learn that a new UK conference for radical feminists, RadFem2012, is not only playing host to a well-known transphobe, but is actively excluding trans women from attending.
The conference is open only to "women born women living as women". Now, I personally support and fully appreciate the value of women-only space, but that space has to be open to all self-defining women. Excluding trans women from an event that aims to build an "anti-oppressive movement for the liberation of all women from patriarchal oppression" is bitterly ironic.
Trans women suffer horrifying levels of violence, abuse and discrimination, fuelled not only by the fact that they are women, but by the refusal of the vast majority of the cis population to acknowledge and respect their identities. The organisers of RadFem2012 have actively chosen to align themselves with this majority, and in so doing are complicit in trans women's oppression. Radical? Feminism? I think not.
(Source: transfeminism, via shorm)


text:
Discover Adionomy, Your Online Radio Advertising Campaign, Fast, Easy and Custom-Made!
宇多田ヒカル (Utada Hikaru), born January 19, 1983 in New York City, United States, also known by her fan-nickname "ヒッキー" (Hikki), is a third culture singer-songwriter, arranger, and record producer in Japan and the United States. 宇多田ヒカル (Utada Hikaru) is the name she uses for her Japanese releases. Her English releases should be tagged as Utada, as she has stated herself that she wants her Japanese music to be separate from her English releases.


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Like lions at the gate, the lawyers at Anderson & Kreiger have earned their reputation as tough and skillful advocates. We have achieved a long record of successful judicial rulings and favorable settlements for our clients on a wide range of local and national issues. We bring this same passion and resourcefulness to our fast growing and sophisticated transactional practices. Anderson & Kreiger serves businesses and public sector clients across the country. Our practice areas include Airports, Energy, Environmental, Insurance, Land Use, Litigation, Municipal, Real Estate and Telecommunications.
For legal updates, visit our
Insurance Law Blog and
Environmental Law Blog.


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" We need to push ourselves to get to that level of consistency with our game, and it starts with me. "
- Henrik Lundqvist
" We have some guys on our hockey club that are really playing hard, and we have some guys that look scared and tentative. I'll tell you right now we're not waiting. We don't play careful hockey. "
- John Tortorella
" I felt comfortable out there. It was nice to get out on the power play (in the first period), get some touches, and get my confidence up a little bit with the puck out there. "
- JT Miller
Despite the strong and inspiring play of rookies JT Miller and Chris Kreider Tuesday night, the Rangers were still defeated by the Devils 3-1 at the Prudential Center.
Following the game Henrik Lundqvist, John Tortorella, and Miller shared their thoughts.
See what Lundqvist, Tortorella, and Miller had to say, then share your comments below.


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The AJL Podcast brings you the best talks on Jewish literature and the Jewish library world, with respected experts and popular authors. Please check back periodically, as new lectures will be added to the series.
You can subscribe to the AJL Podcast via iTunes or by entering http://feeds.feedburner.com/ajlpodcast into your favorite feed reader. You can also receive new posts via email. Or listen to the latest episode by phone at (651) 925-2538.
Use the links on the left to select a category of interest or to use our index.
Since its origins as the Museum of the Southern Jewish Experience, the Goldring/Woldenberg Institute of Southern Jewish Life (ISJL) has been a leader in the documentation and interpretation of Jewish history in the American South. Josh Parshall, ISJL oral historian, will discuss the history and mission of the organization, including the Online Encyclopedia of Southern Jewish Communities - a unique resource for learning about Jewish history in the region - and his own work conducting oral history research in Southern communities. the session will include video excerpts from the ISJL collection and tips for conducting and archiving your own oral history interviews.
Presented by Josh Parshall at the 2013 AJL Conference in Houston, TX.
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Floor Plans:
Mackinnon Hall Floor plans
Mackinnon Hall
1967, named in honor of Clinton N. Mackinnon.
South Green
Mailing Address
[Student Name]
70 South Green Dr. Room [Room #]
Athens, OH 45701-3140
Coed, First Year & Upperclass
9 Singles (Available for upperclassmen only)
26 Doubles
8 Triples
34 Quads
Building Amenities
Main lounge on first floor
Additional study lounges on the 1st, 2nd, 3rd, and 4th floors
In-Room Amenities
CATVision (university owned/operated cable service)
Ethernet connectivity
Wireless internet
In-Room Furnishings
Twin size, extra-long bed
Desk with desk chair
Built-in dresser and closet space
Small microwave/refrigerator unit
Curtain rods provided; tension tods can be used
Each room is assigned a mailbox located in the lobby. Residents gain access with their room key.
Dining Halls
Nelson Dining Hall is conveniently located on the South Green. For information on hours, menus, and services please visit www.ohio.edu/food
All residence halls are provided with daily housekeeping for all public areas and 24-hour maintenance services.
This building has a laundry room that accepts Bobcat Cash. This facility is only available to students residing in this building. The nearest laundry center is located at Dougan House.
Garage Parking
Parking is available under Adams and Nelson on a limited basis. It is only available to upperclass students who have earned 45 or more credit hours. Please visit www.facilities.ohiou.edu/parking/ for more information.


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15 U.S. Code Chapter 2A, Subchapter II - FOREIGN SECURITIES
- § 77bb. "Corporation of Foreign Security Holders"; creation; principal office; branch offices
- § 77cc. Directors of Corporation; appointment, term of office, and removal
- § 77dd. Powers and duties of Corporation, generally
- § 77ee. Directors of Corporation, powers and duties generally
- § 77ff. Accounts and annual balance sheet of Corporation; audits
- § 77gg. Annual report by Corporation; printing and distribution
- § 77hh. Assessments by Corporation on holders of foreign securities
- § 77ii. Subscriptions accepted by Corporation as loans; repayment
- § 77jj. Loans to Corporation from Reconstruction Finance Corporation authorized
- § 77kk. Representations by Corporation as acting for Department of State or United States forbidden; interference with foreign negotiations forbidden
- § 77ll. Effective date of subchapter
- § 77mm. Short title
The table below lists the classification updates, since Jan. 3, 2012, for the contained sections. If there are multiple sections, they are presented in section number order (original document order).
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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Buffalo Campus
18 Agassiz Circle
Buffalo, NY 14214
(716) 880-2000
(800) 292-1582
Rochester Campus
1880 S. Winton Rd.
Rochester, NY 14618
(585) 272-0030
(866) 212-2235
The Board of the Texas Counseling Association has named Keith Klostermann, Ph.D., director of Medaille's master's in psychology program, an editorial reviewer for the Journal of Professional Counseling: Practice, Theory, and Research.
The Texas Counseling Association provides leadership and advocacy for the counseling profession, while supporting optimal development and mental health for all. The Journal of Professional Counseling: Practice, Theory, and Research is the official journal of the Texas Counseling Association. Published bi-annually, the Journal of Professional Counseling includes researched articles and news of interest to counseling professionals. The Journal of Professional Counseling is abstracted online and made available to nearly every college and university library in the United States.
The instructors were knowledgeable and welcomed class discussions, with
respect for each student's contribution. I've learned how to be a more
effective leader. My capstone class gave insight on how to combine all
the education learned to operate a business. That's when I realized how
much I had sharpened my knowledge.
Buffalo: 18 Agassiz Circle, Buffalo, NY 14214 • (716) 880-2000 (800) 292-1582
Rochester: 1880 S Winton Rd, Rochester, NY 14618 • (585) 272-0030 (866) 212-2235


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WEEKEND BEST BET: Bacchus on the Beach
Date: November 9, 2012
by: Robin Hartill | City Editor
Winemakers from across the country will gather this weekend to celebrate the arts, culinary delights and vintages from more than 30 vintners from across the globe at "Bacchus on the Beach."
The grand finale of the two-day event is the Stone Crab Celebration & Winemaker Auction from 5:30 to 9:30 p.m. Saturday, on the beach at the Longboat Key Club and Resort.
The event benefits the Longboat Key Center for the Arts, a Division of Ringling College of Art and Design, and the Child Protection Center Inc.
The event highlights Key Club chefs as they showcase local Florida cuisine, including plenty of stone crab. Guest vintners will share selections from their cellars while partygoers enjoy live music and plein-air artwork created onsite courtesy of the Arts Center.
Tickets are $200 plus tax and gratuity.
For information and reservations, call 387-1675.
Contact Robin Hartill at email@example.com.
Currently 0 Responses
- Sep
25 Business After Hours Networking Event
5:30 pm - 7:30 pm
- Oct
2 Florida's Children First 2014 Sarasota Reception
5:30 pm - 7:30 pm
- Oct
16 Pillar of Hope Open House
5:00 pm - 9:00 pm
- Oct
16 Business After Hours Networking Event
5:30 pm - 7:30 pm
Mar Vista begins dock construction
Mar Vista Dockside Restaurant & Pub is on track to have a new dock by the end of October.
Aren't you barracuda?
Steven Herich, of Beach Fishing Adventures, recently caught a 30-pound, 52-inch barracuda.
Donation creates summer camp gift
A donation from St. Armands Key Lutheran Church's senior ministry recently made it possible for 13 children to attend Dollar Dynasty's educational summer camp.


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President Barack Obama told a United Nations meeting on Tuesday that pollution must be contained to address climate change.
Actor Leonardo DiCaprio brought attention to climate change Tuesday by addressing world leaders meeting at the UN Climate Summit in New York.
Google Executive Chairman Eric Schmidt says the company is pulling its support of a conservative political group because he believes it is lying on climate change.
U.S. Secretary of State John Kerry opened a week of climate change talks in New York on Monday, saying he's hopeful the discussions will set the tone for upcoming negotiations on an international agreement.
"It's about time that world leaders come to ...
Tens of thousands of people marched through Manhattan sounding an urgent call for action to reverse global climate change Sunday.
One marcher's sign read "cut your emissions or you'll sleep with the fishes."
Hundreds of environmental activists plan to "flood" Wall Street on Monday to protest the role Big Business plays in climate change.
The #FloodWallStreet campaign is part of a series of demonstrations taking place this week as world leaders gather in ...
Mary Lee has logged more than 16,000 miles in the past two years. She's been to Florida, Bermuda and Cape Cod.
She's not a beach bum, though. Mary Lee is a 3,456-pound great white shark. You wouldn't want to run into her in the surf, but you can follo...
A single word change means BP could be on the hook for billions more for the worst oil spill in U.S. history.
A federal judge in Louisiana found that the oil giant was "grossly negligent" in the run-up to the 2010 disaster, which could quadruple the p...
Halliburton will pay $1.1 billion to settle lawsuits stemming from the worst oil spill in U.S. history.
The settlement, which is subject to approval by federal authorities in Louisiana, resolves most of the legal claims that Halliburton is facing ove...
If you thought Ellen's Oscars selfie packed in a lot of people, check out NASA's new "global selfie."
Volunteers at Zion National Park saw a remote-controlled drone flying close to a herd of bighorn sheep, causing several young sheep to be separated from the adults as they scattered, a report from the Utah park said.
The Blackstone home where the remains of three infants were discovered among trash and vermin will soon be taken down.
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Prospective Students
A Villanova Law education prepares you to take on today's challenges and seize tomorrow's opportunities.
National Law Journal Ranks VLS No. 47 'Go-To' Law School
The National Law Journal (NLJ) has ranked Villanova University School of Law (VLS) as the No. 47 "go-to" law school in its 2014 rankings. This annual report identifies the top 50 law schools with the highest percentage of 2013 juris doctor (JD) graduates hired as first-year associates at the nation's most prestigious law firms. Read more
Cynthia Cooper to Speak About Corporate Ethics and the WorldCom Collapse: Oct 2
On Thursday, October 2 at 12 p.m. in the Arthur M. Goldberg Commons, Cynthia Cooper, author of Extraordinary Circumstances: Journey of a Corporate Whistleblower, will speak about corporate ethics and her experiences at the center of the WorldCom collapse. Read more
Professor J. Richard Harvey, Jr. Quoted in The New York Times and US News & World Report
Professor J. Richard Harvey, Jr., a leading expert on offshore tax operations by US multinational corporations, was recently quoted in The New York Times, U.S. News & World Report and National Public Radio about new Treasury Department rules intended to crack down on corporate inversions, in which US companies reincorporate abroad to lower their taxes. Read more
Symposium on McCullen v. Coakley
The Law School will host a special symposium on Friday, October 17 at 1:30pm in Room 101 on the US Supreme Court's decision last term in McCullen v. Coakley, unanimously striking down on First Amendment grounds a Massachusetts abortion clinic buffer zone statute. The lead plaintiff in the case, Eleanor McCullen, will participate and will be in attendance along with her husband, Joseph T. McCullen, Jr., a Villanova alumnus and benefactor, as well as the attorney who represented Mrs. McCullen before the Supreme Court. Read more
Mary Kate Wagner '15 Participates in Philadelphia-Lyon Bar Exchange Program
Mary Kate Wagner '15 participated in the prestigious Philadelphia-Lyon Bar Exchange Program, in which young lawyers and law students are placed with host firms in Philadelphia, and their Philadelphia counterparts are placed with host firms in Lyon. Read more
Dean Gotanda Accepts ALS Ice Bucket Challenge for VLS
On August 25, Dean John Gotanda accepted the ALS Ice Bucket Challenge as part of a viral video campaign aimed at raising awareness about and donations to fund research for amyotrophic lateral sclerosis (ALS), often referred to as "Lou Gehrig's Disease." Villanova Law was challenged to participate by Temple University School of Law. Read more
Managing Director and Chief Operating Officer
Bryn Mawr Capital Management
Matthew Kogan '99 is Managing Director and Chief Operating Officer at Bryn Mawr Capital Management where he is responsible for finance, operations, investor relations and accounting. Prior to joining BMCM, Matt spent 6 years at The Vanguard Group as both Chief of Staff for Financial Advisory Services and Associate Legal Counsel. He began his career as Associate Counsel at Pepper Hamilton LLP. Matt considers his path to be an example of how legal education and experience can develop into an alternative career.
Vice President & Associate General Counsel
Thomas Reuters
Lisa Passante '83 is Vice President & Associate General Counsel for Thomson Reuters in its Philadelphia office where she is the senior U.S. based legal advisor to the Intellectual Property & Science business unit. Prior to joining Thomson Reuters in 2013, Lisa spent 19 years at DuPont in Wilmington, DE, where she served in a variety of capacities including General Counsel for DuPont Performance Coatings, during its transition from DuPont to a privately held company, and where she was the founder of the acclaimed DuPont Women Lawyers' Network. Lisa is President of the National Association of Women Lawyers for 2014-2015. NAWL, founded in 1899, is an ABA affiliate and the leading national bar association for women.
Chief Administrative Law Judge
for the State of Alaska
The Honorable Kathleen A. Frederick '83 practiced business, real estate, and employment law in southeastern Pennsylvania for 18 years before moving to Alaska in 2002. In 2011, she began working in the public sector as one of two statewide attorneys litigating elder fraud cases. Judge Frederick was appointed to the position of Chief Administrative Law Judge for the State of Alaska by Governor Parnell in 2014; the Office of Administrative hearings where she works hears cases in 66 different subject areas and has eleven judges based in Juneau and in Anchorage.
Click here for archived Alumni Spotlights


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In 2010, MSIF awarded eleven Du Pré Grants to enable young researchers from Australia, Argentina, Cuba, Germany, Iran, Spain and UK to travel to work on short term MS research projects in Belgium, Canada, France, Germany, Italy, Spain and USA.
The £5,000 grant enabled Stephanie, a post-doctoral researcher at the Burnet Institute, Melbourne, to spend six months at the University of Massachusetts Medical School, USA where she worked with Professor Lawrence Stern to produce crystals of cyclic MBP83-99 peptides in complex with human MHC class II, HLA-DR1, in order to determine the 3D structure of the complex.
A wealth of new techniques and technologies were learned during this project, and these will be implemented in the laboratory at home, and relayed to my peers. The myelin basic protein crystallisation project will be continued by the researchers in Prof. Sterns lab and should a crystal structure be obtained, then this will contribute greatly to the rational design of a multiple sclerosis vaccine.
Peter, a PhD student from Heinrich Heine-University, Düsseldorf, will use the £3,000 grant to spend a month at CRICM in Paris, France where he will work with Professor Catherine Lubetzki on promoting CNS remyelination by means of CXCR7 activation.
The £3,000 grant will enable Sreeram, a post-doctoral fellow at the University of Oxford, to travel to the University of British Columbia, Canada where he will spend two months studying genetic and environmental risk factors in Iranian immigrants with MS, in the laboratory of Professor Dessa Sadovnik.
The £5,000 grant will help Xavier, a research fellow from the Barcelona Biomedical Research Centre to extend his research stay at the Children's Hospital, Boston, USA, by five months. Xavier is working with Dr Simon Warfield on Multi-modal brain Magnetic Resonance Imaging segmentation for the analysis of MS.
Ann-Marie and Sara, post-doctoral research fellows from the University of Southampton, will use their joint grant of £2300 to spend two weeks at MS centres in Belgium and Ireland where they will carry out a study on upper limb dysfunctions in people with MS.
The £4700 grant will enable Ilona, a PhD student from the University of Nottingham to visit the University of Maryland School of Medicine, USA for four months under the supervision of Dr Walter Royal, where she will investigate the immunomodulatory effects of retinoic acid on T lymphocytes mediating inflammatory/autoimmune response and immune regulation in MS.
Juan, a neurologist from Hospital Italiano de Buenos Aires will use his £4000 grant to travel to the Multiple Sclerosis Center of Ospedale San Raffaele, Milan in Italy for two months to work with Prof Massimo Filippi on grey and white matter abnormalities in patients with early relapsing-remitting MS and depression.
With the aid of a £5000 grant, Moones, a Master's student from Tarbiat Modares University will spend three months at the University of Cambridge, UK under the supervision of Dr. Stephen Sawcer where she will work on a genome wide association study in MS.
Nielsen Denis, a Masters student from the University of Havana, will use her £5000 grant to carry out a six month study at the University of Göttingen, Germany with Prof Wolfgang Bruck, on neuroprotective and antioxidant substances in Experimental Autoimmune Encephalitis.
The £5000 grant will help Sara, a postgraduate researcher to spend one year at IDIBAPS Clinic in Barcelona, Spain where she will study effector and regulatory T cell Dynamic Analysis in autoimmunity under the supervision of Dr Pablo Villoslada.
Find your nearest MS organisation
Multiple Sclerosis International Federation
Address: 3rd Floor Skyline House 200 Union Street London SE1 0LX
MSIF is a charity and company limited by guarantee, registered in England and Wales.
Company No: 05088553. Registered Charity No: 1105321
© Multiple Sclerosis International Federation
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As soon as I start using it I will definately give my openion on it.
Men's Guide Gear® 12" Waterproof 1,600 gram Thinsulate Ultra Insulation Colossal Hunting Boots, Brown
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Too heavy to wear
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Nice big bulky, but a little heavy, good for hunting, outdoor sports except for walking. Going to return for more walkable boot
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How to tell if it's time to retire
It's not always easy to figure out when to move on. Here are 5 questions to ask yourself or your family before you turn in your notice.
You're never supposed to quit your job without having another one lined up. But I have -- and the very next day I got an offer for a much better job.
Then again, at the time, I was in a relationship that was a good two years past its expiration date. I kept trying to make it work because I didn't want to be a quitter.
Knowing when to quit and when to hang in there is tricky business. Some people famously go on and on: Investor Warren Buffett (82), media magnates Rupert Murdoch (81) and Sumner Redstone (89), the Rolling Stones (who concluded their 50th anniversary tour last month) come to mind.
Others bail when they presumably could continue: Cabinet members Timothy Geithner and Hillary Clinton, Sen. Jay Rockefeller and the White Stripes, to name just a few.
Sometimes life doesn't give us much choice about when to quit. Health problems or a bad economy can make the decision for us. Bob Carstensen of Lexington, Ky., was laid off from his job at IBM one week before his 62nd birthday, after nearly 44 years on the job. (Carstensen said he is "loving every minute of retirement, but I miss the team I worked with.")
Merv Hanson of Seattle, an avionics technician, was forced out of the work world six years earlier than he had planned because of stage 4 pancreatic cancer. (For those not familiar with cancer stages: There is no stage 5.)
Liz Weston
In 2011, Hanson changed his Facebook page to show he was "working at surviving cancer" and took the Alaskan cruise he and his wife had always wanted to take.
Others get a gentle shove from incentives to quit. Reggie Crowley, a mechanic for the New York State Parks system, was given an early retirement offer he couldn't refuse.
"If I didn't take the incentive, I would have had to work another seven years to make the same amount," Crowley wrote on my Facebook fan page. "No brainer."
For many, though, it isn't easy to decide whether or when to pull the plug on a job, a career or a working lifetime. (I won't even try to deal with pulling the plug on a relationship -- you'll have to visit Oprah's site for that.)
Financial planner Christine Fahlund has the same advice for the undecided, whether they're new mothers struggling with whether to stay home, people contemplating a career move or those trying to figure out when to retire: Don't quit until you have clarity.
"If you're on the fence, keep working," said Fahlund, a senior financial planner and vice president of T. Rowe Price Investment Services. "You might as well keep that salary and those benefits while you decide."
People need to be emotionally as well as financially ready to quit, Fahlund said. That often requires time for reflection -- and for saving up.
Here are some questions to ask yourself before you give your notice:
Can I afford to quit? Here's where good saving habits come in handy. When I quit my feature-writing job at the Anchorage Daily News way back when, I had an emergency fund that could sustain me for several months. When my next job, covering politics for the Anchorage Times, ended two years later, I had enough savings to last a year without touching my retirement accounts. A fat emergency fund and careful spending habits can mean less panic when you're facing a gap between paychecks.
If you're going to be without a paycheck for years and potentially decades -- if you're thinking of retiring, in other words -- the stakes are a lot higher. So many variables are beyond your control. You don't know how long you'll live, how the markets will perform or what inflation will do to your spending power. You can take some of the guesswork out of the equation by using retirement calculators (find one on Bing)), that use probability analyses to determine your likelihood of success. Another good idea is to run your plan past a fee-only financial planner, who can make sure your assumptions aren't overly optimistic.
More from Liz Weston:
A truly 'hooray for me and screw everyone else' society of wealthy parasites continuing their war against the middle class. The revolution can't come soon enough against this effort of keeping the people down while a few make exponential profits.
I don't think most working class Americans can actually "afford" to retire, its just that we must adjust our lifestyles to the reduced income that our social security, pensions if we have any and savings ( which I know I can only speak for myself) have been besieged these past few years will allow. The world is changing, and all I know is my retirement will be much different than my parents was. Medical costs, food costs, the costs of home ownership ( which may have to be sold ) and downsized to apt. living are things to consider. Its tough today, in the words of Yogi Berra, "The future ain't what it used to be "
I can't say that I was able to take a lot away from this article. I do agreee with jockmama. It's when you can afford to.
My situation is a bit different. I can afford to. Not optimal, but I can do it and also I up against something called Force Management in which you will retire at a pre-set age. My age group is 56. I will retire one day before I am 57.
I can see two things. I will go back to another job, somewhere, doing something. Also, my lifestyle is going to change. Since I will get less than half per month of what I am making now and still have health plans to pay for, I will have to scale back pretty hard on some of the things I take for granted now. This adage I've heard about expenses being less is bunk. We are taking care of health related issues now while I make a decent living by getting our "tune ups" and things we've let to go for a while and are now becoming an issue.
We have put as much money into my retirement account as possible and bulked up our emergency fund with every spare dollar.
I guess we are as ready as we can be,
I see a lot of different articles on retirement. They usually write about the same things; when should you retire; can you afford to retire; are you saving enough money to retire. Of course, a lot of it depends on your needs, and what you want to do if you retire, and even if you like to retire.
I have given a lot of thought to retirement. My main consideration is living comfortably and having enough income to enjoy my life. I have always been a good saver but I did not become a good investor until I was in my late thirties. I think the best advice anyone can give you on retirement is to plan ahead, and plan for the unexpected. The earlier you start to save and invest the easier it will be when you get close to retirement age.
Today I am on track to reach my retirement goals. I
would like to work until I am seventy and that is still over ten years away and you never know what can happen in those ten plus years. I do have an emergency fund and I contribute as much as I can to my retirement plans. With each passing year I can begin to see the light at the end of the tunnel; I just hope it is not a train coming down the tracks.
Some interesting responses.
I agree that my decision was based upon several factors. I worked for a large company that ethically lost its' original vision. I left when they discovered the "negative incentive" approach to tenured (older) employees. "We have changed our accounting method re: 401Ks. If you stay you will lose $40,000."
I am one of those people who figured that I had at least another ten years left, but when generalized Myasthenia Gravis struck unexpectedly my career was over. Although I struggled to control the symptoms (double vision, slurred speech, and occasional muscle failure) with medication, my employer eliminated my position two weeks before Christmas. At age 62 I jumped into the job hunt with both feet but have not had even a nibblle in a year and that's with the help of a headhunter.
I wasn't financially ready to retire, but I had no choice. At that point I had to make some serious changes in my lifestyle. Fortunately my daughter offered us space in her home, but that's not something I had even considered before it happened.
It's comforting to think that you can control the when and where of your retirement, but I suspect that my story is becoming entirely too common.
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Bloom Energy will soon be installing 30 MW-worth of Bloom Boxes in Delaware in what will be the company's largest project yet.
Delaware regulators just approved the plan that calls for a factory to be built for the fuel-cell boxes. State utility Delmarva Power will raise a large portion of www.aumm.nl the funds required to finance the project by adding a $1.34-per-month surcharge to its customers' bills. That surcharge will add up to about $100 million over the where to get viagra next 20 years.
The state is websites for generic viagra tablets also offering $18 million in incentives and http://www.enshift.com/viagra-india-pharmacy the project hopes to receive federal grants as well.
Bloom Energy has already found customers in Google, eBay, Adobe, AT&T and through pilot projects with utilities PG&E, Southern California Edison and Tennessee's EPB, but none of these projects come close to order cialis cialis the Delaware deal that could grow to as much as 50 MW.
Beyond a cleaner source of energy, the project will bring Delaware 900 new jobs at the factory and $300 million in annual economic activity.
via Greentech Media
written by David, October 21, 2011
written by DaveR, October 28, 2011
Bloom specs a box at 0.661 MMBtu of natural gas to produce 100 kWh. This comes to an operating efficiency of about 50%.
But modern combined cycle gas plants are now up to around 60% efficiency levels - so Bloom has some work to do.
The main benefit is that Bloom boxes are small and modular - kind of tough to site a CCGT plant next to www.absmag.fr your office building.
written by Richard Romfh, October 28, 2011
written by Jeannette, October 28, 2011
While many Solid Oxide Fuel Cells (SOFCs) do have a high heat byproduct, Bloom Boxes do not. They say this is what makes their system more efficient than other SOFC's (because they reuse that waste heat within the Bloom Box system) but it seems like that is also a missed opportunity.
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Definition of samplist in English:
samplistLine breaks: samp|list
A musician or performer who samples music.
More example sentences
- 'A lot of the songs are kind of shots at people,' says a singer and samplist, seeming remarkably more domestic and composed than his overtly frantic stage persona.
- These cheerful Dutch samplists compete by offering high-quality, specialised orchestral samples at a reasonable price.
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County Reconsiders Shelter Site
The location of the Santa Clarita Valley homeless shelter is still up in the air as a county official withdrew his support for the use of the Pitchess Detention Center in Castaic. "The (Castaic Area) Town Council voted 4-3 to oppose having a temporary winter shelter in the parking lot of the Pitchess Detention Center," said Tony Bell, a spokesman for Supervisor Michael D. Antonovich. "Supervisor Antonovich will honor their wish and oppose a shelter (at Pitchess Detention Center). We are working to come up with an alternative in short order."
For more on this story, Visit the Signal's homepage!


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Blue Book® Suggested Retail Value
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Smooth Ride by Amy Calgary on 05/18/2009. Trim: 2003 Chevrolet Malibu Sedan, Owned 5 years.
Pros: It is a very smooth ride. acceleration is most of the time flawless and a dream to hughway drive.
Cons: I dislke the cruise control of the vehilce very unstable, but I have driven worse
Overall review: I totally recomend this vehicle for the "second family car" it is excellent point A to B driving.
Review ID: #539613 Is this review offensive?
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