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Ide Okinomi was a merchant and courtier of the Unicorn Clan.
Utaku Stables Saved Edit
In 1200 at Shiro Utaku Shojo, Utaku Zo Sia and her Lady Moto Naleesh were reported by Utaku Sakiko that the purity of the blood within the Utaku Steeds had thinned. Okinomi announced that the Unicorn Clan Champion had imparted the touch of the Kami upon the entire herd, making their bloodline as strong as it was at the Dawn of the Empire. [1]
External Links Edit
- Ide Okinomi (Ivory)
|This Unicorn Clan related article is a stub. That means that it has been started, but is incomplete. You can help by adding to the information here.


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Shipping and Delivery:
Flat Rate $3.99 all Orders US locations only Standard Shipping 2-5 Days
Expedited $9.90 Usually shipped next day after placing order. 1-3 days for delivery
International Shipping $15.00 Flat Rate Shipping
Please allow 1-2 days to Process your items before shipping for Standard Delivery and International Orders
We ship items through USPS First class or Priority depends of the weight it takes about 2-5 days to be deliver
Yes we can rush your order process time 1 day
Send us an email at email@example.com
All our Products are handmade in the USA. We do not refund or exchange items
for the nature of the product.
If there is a mistake in our side please let us know immediately. We will do our best to resolve the issue.

subset: commoncrawl


text:
Saturday 4 May 1946
It was Saturday, under the sign of Taurus. The US president was Harry S. Truman (Democratic).
Famous people born on this day include Renee Powell and Gary Bauer conservative American politician.
The Postman Always Rings Twice, directed by Tay Garnett, was one of the most viewed movies released in 1946
On TV people were watching Hour Glass.
But much more happened that day: find out below..
You can also have a look at the whole 1946 or at May 04 across the years.
Old Newspapers
Have a look at the old newspapers from 4 May 1946 and get them!
Which were the most popular movies released in the last 30 days ?
TV Series
Which were the most popular TV series released in the last months ?
Find out your future
Wish him/her..
Historical Events
Which were the important events of 4 May 1946 ?
- Star Wars day, "May the 4th be with you" pun on "May the force be with you"
- Republic of China - Literary Day (???, commemorating May Fourth Movement).
- International Firefighters' Day.
- Saint Ladislaus of Gielnow
- People's Republic of China - Youth Day (???, commemorating May Fourth Movement).
- Blessed Catherine of Park
- Saint Judas Cyriacus
- Saint Florian
- Saint Godehard
- Saint Monica of Hippo (d. 387)
- Saint Ethelred
- Saint Silvianus
- Saint Titianus
- Saint Willerik
- Saint John Houghton, Saint Robert Lawrence, Saint Augustine Webster, Saint Richard Reynolds, and Saint John Hale; all put to death in 1535.
- Saint Malou
- The Netherlands - Remembrance of the Dead.
Famous Birthdays:
- Renee Powell: LPGA golfer.
- Gary Bauer conservative American politician: former presidential candidate.
- Cadou Gilles: Belgian hockey player known as Cadou.
- Ville Komsi: Finnish politician, Green Party activist and Member of Parliament.
- Yves Lecoq: French actor, humorist, and mimic.
- John Barnard: English car designer
- Gary Bauer: American political activist
- John Watson: Northern Irish racecar driver
- 5 die in a 2 day riot at Alcatraz prison in SF bay
- 72nd Kentucky Derby: Warren Mehrtens aboard Assault wins in 2:06.6.
- In San Francisco Bay, U.S. Marines from the nearby Treasure Island Navy Base stop a two-day riot at Alcatraz federal prison. Five people are killed in the riot.
Music Charts
Which were the top hits in that special week of May 1946 ?
Top #3 songs in the USA
- Ink Spots - The Gypsy
- Gypsy - Hildegarde (Guy Lombardo Orchestra)
- Bumble Boogie - Freddy Martin & His Orchestra
Search For Your Ancestors
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...and if 4 May 1946 was your Birth Date then Join our Birthday Club!
Make this date unforgettable
Genealogy: find out your family heritage
Which were the most popular books released in the last weeks ?
Remember when
What videogames would you be playing back in the days ?


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72-12625 - Programmable DC Power Load - 80 Volts 80 Amp 400W
Programmable DC Power Load - 80 Volts 80 Amp 400W
Mfr Name: Aim-TTI Instruments
Mfr Number: LD400P
See all items in Electronic Loads
83-8363 - ATX 400W Power Supply
This replacement 400W ATX power supply has newer style SATA connector, as well as the traditional 4-pin Molex connectors. With a 20+4 main power connector, this power supply can be used with 20-pin or 24-pin motherboards.
Mfr Name: Sparkle Power
Mfr Number: ATX-400PA-B204
See all items in Power Supplies
555-26145 - Fog Machine 400W with Wired Remote
Fog Machine
The ADJ VF400 is a very compact, 400W mobile Fog Machine that is great for mobile entertainers, and small nightclubs and bars that want to add atmosphere to their events, plus it allows people to see the beams from the lighting fixtures. The VF400 is ...
Mfr Name: ADJ
Mfr Number: VF400
See all items in Fog Machines
555-25760 - PA Speaker 10" 400W
10" PA Speaker
2-Way PA speaker with 10" driver. Includes protective metal grill, metal corner guards and metal support for speaker stand. Gold-plated banana plug connections and 1/4" jack
Sold Individually
Mfr Name: HQ Power
Mfr Number: VDSG10
See all items in Main Speakers - 10
555-27785 - LED Fog Machine 400 Watts
400W LED Fog Machine
The ZSM-403SLED is a small yet powerful fog machine. It is great for parties, shows, or as a Halloween decoration.
Mfr Name: Zebra Sound
Mfr Number: ZSM-403SLED
555-10305 - 10'' Two Way PA / DJ Speaker 400W
These rugged carpeted 10" speaker systems are ideal for DJ and stage situations where durability, high power capacity and solid sound performance are required on a tight budget.
Sold individually
See the Entire
Mfr Name: MCM Custom Audio
Mfr Number: 555-10305
555-10330 - 10'' PA / DJ Floor Monitor Speaker 400W
10" Floor monitor DJ and stage speakers provide versatility and solid sound performance on a tight budget. Angled cabinet places speaker at optimum position for near field monitoring, or stand on end for standard use.
Sold individually
See the Entire
Mfr Number: 555-10330
See all items in Passive
83-15760 - 400W Elite Power ATX Power Supply
CoolerMaster 400W Elite Power Supply
The reliable, efficient and affordable line of Elite power supplies is ideal for mainstream and basic computing systems. Built with quality components and dual +12V outputs, the Elite series is fit to handle demands of high po...
Mfr Name: Coolermaster
Mfr Number: RS400-PSARI3-US
555-10110 - 400W RMS X 2Ch 8 Ohm / 70V Professional Stereo Amplifier
Commercial Duty Stereo Power Amplifier
Specifically designed for demanding contractor applications these professional grade power amplifiers are ideally suited for large scale indoor and outdoor speaker installations and are perfect for use with the Atlas line o...
Mfr Name: Atlas Sound
Mfr Number: CP700
See all items in Stereo Rack Mount
60-10130 - 400W X 2Ch at 2ohm Autosound Mosfet Amplifier
800 Watt Two Channel MOSFET Amplifier
Cost effective amplifier is perfect for a variety of autosound installations including existing system upgrade. Its two channels are 2 ohm stable, bridgeable to 4ohm mono, and included variable high and low pass filters plus ...
Mfr Name: Lanzar
Mfr Number: VCT2010
See all items in Two Channel
555-11575 - 400W Medium Duty Low Lying Fog Machine with Wired Remote -
Medium Duty Low Lying Fog Machine
This fog machine is uses standard fog juice and four pounds of ice cubes to produce a ground fog effect to enhance dance floors, entry ways, and light shows.
Mfr Number: MISTER KOOL
28-21380 - Compact 400W PowerVerter with 2 AC Outlets and 2 USB Charging Ports
400W PowerVerter Ultra-Compact Car Inverter with 2 Outlet and 2 USB Charging Ports, Cup Holder Design Charge and/or power multiple electronic devices—including smartphones, laptops, tablets, GPS units, DVD players, MP3 players, camping equipment and mobile office...
Mfr Name: Tripp Lite
Mfr Number: PV400USB
See all items in DC - AC Power Inverters
53-1015 - Die Cast Titanium Bullet Tweeter
Super Bullet Tweeter
Extra heavy duty tweeter provides high power capacity and wide overall frequency response for an economical price. It is perfect for replacement or add–on use.
Mfr Name: Pyle
Mfr Number: PDBT45
See all items in Horn Loaded
53-575 - 1 1/2'' Titanium Super Bullet Tweeter
1 1⁄2" Titanium Super Bullet Tweeter
Heavy duty titanium tweeter is suitable for most professional sound reinforcement applications and high power home audio use.
Mfr. #TW46
Mfr Name: Pyramid
Mfr Number: TW46
21-13305 - 2.1" x 1.5" Soldering Pot
Compact soldering pot is suitable for both lead and lead-free applications on small and medium sized connectors. Made of anti-erosion and heat resistant alloy materials.
Mfr Name: Quick
Mfr Number: QUICK100-6C
See all items in Soldering Pots
This was not my first order I keep coming back, satisfied again.


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I had alot of fun doing my last blog and it gave me some of the answers I was looking for, so I've decided to do another.
Humanity was at Tier 3 on the Forerunner Technological Advancement chart, and when the Human-Covenant war was over, they reached Tier 2. With the recent discovery of Requiem, the Prometheans and a Forerunner AI, do you think that humanity will reach Teir 1 soon? If not, when do you think we will?


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by TWL Gear
$39.95 $45.00
When you workout, you want to ensure your junk stays in your trunk. Get that support, with a no see-through Move-Tech ® material that will have the crowd gawking.
TWL's Women's Booty Shorts deliver. Constructed in the perfect Move-Tech ® material to compliment your workouts.
Smooth, form-fitting workout booties, providing you that extra bit of coverage and comfort. No bum cheeks slipping out mid-WOD with these babies means you can squat with confidence!
With a high-performance Move-Tech ® nylon fabric that breathes easy and is perfect for both cold and warm temperature workouts.
The perfect crossover tights for functional fitness, yoga, running, hiking and lazy mornings bouncing around the house!
High quality, splashed with a reflective banner logo.
Returns Information:
Caveman Evolution is the world's leading online retailer of clothing and gear for CrossFit© athletes. We are a fast growing company because we always put the customer first. A customer-centered shopping experience is our goal.
Here are just a few of the reason why you should buy from us:


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Patterns and Crafts
Yikes. I haven't been on all day. The site really is a mess, isn't it? Thought I'd throw on some bits and pieces of a project I'm working on. I know I should be working on Christmas gifts, but every once in a while I need to do something that I keep!!!
We love it when our readers share our projects and tutorials. You may use 1 photo from our site with a direct link back to us. You may not copy our text or patterns or place our pdfs on your site. If you have a blog or website and would like to link to our site, you can use one of our Share the Love buttons.
Copyright © Wee Folk Art 2017. All rights reserved.
This site uses cookies to help the site run properly. We display Google Ads and are an Amazon Affiliate. We do not share your information with anyone. For more information please read our Terms of Use and our FAQs.


text:
Canada Frequently Asked Questions
- Whom do I contact for help with shipping to Canada?
Contact our dedicated Canada Solutions Team at 1.866.393.4685 anytime between 7:00 a.m. and 8:30 p.m. EST.
- What documents are required for a shipment from the U.S. to Canada?
- Bill of Lading including
- Full description of product including lowest external packaging handling units
- Customs broker name and contact information
- Invoice for customs purposes including:
- Buyer, seller, country of origin, value of product, and a detailed description of the goods, including quantity.
NAFTA Certificate of Origin (NAFTA COO): If the shipment's goods are "wholly obtained or produced entirely" in the US, Mexico, or Canadathe shipment may qualify to enter the country under the reduced duty treatment. As an option for repeat shippers a blanket Certificate of Origin can be kept on file for one year through your customs broker. It is recommended that your customs broker be consulted for assistance on properly completing and filing the NAFTA Certificate of Origin.
Forms and instructions required for international shipping are available online at fedex.com.
Some commodities may require additional customs documentation. For specific questions, we recommend that you contact the customs broker that will set up the clearance on your shipment or the Canada Border Services Agency (CBSA) www.cbsa.gc.ca.
- What is the Pre-Arrival Review System (PARS)?
The vast majority of LTL shipments destined to Canada via FedEx Freight clear at the border under a process referred to as PARS. This process allows importers and brokers to submit release on minimum documentation (RMD) information to the CBSA for review and processing prior to goods arriving in Canada. The system also speeds up the release or referral for examination process when goods arrive in Canada.
- What is a PARS number?
A PARS number, similar to a pro or tracking number, is used during the Pre-arrival Review System (PARS) process. FedEx Freight assigns PARS numbers by using derivative of our tracking numbers proceeded by our four digit carrier code, 4713.
- What are my responsibilities as a shipper to Canada?
Your main responsibility is to comply with all CBSA rules and regulations including properly declaring the product you've shipped. Almost all shipments crossing into Canada are subject to the assessment of duties and taxes imposed by the Government of Canada. Duties and taxes are imposed to generate revenue, protect local industries against foreign competition or both. Customs officials assess duties and taxes based on information you provide on the invoice and other relevant documentation. It's imperative this information is accurate and complete.
As the shipper you have the following options:
a. Provide the FedEx Freight driver all necessary paperwork at the time of pickup. As a convenience to our customers, we will forward the paperwork provided at the time of pickup for customs clearance to the appropriate customs broker listed on the Bill of Lading.
b. Fax or electronically transmit the paperwork directly to the customs broker. If the shipper elects to send the paperwork directly to the broker, FedEx Freight requests that the shipper notate that they have done so including the customs broker contact information on the Bill of Lading. We recommend you contact your customs broker for further instructions prior to starting this process.
FedEx Freight does not provide a broker inclusive service. We highly recommend for the shipper to confirm the broker name and contact information which will be submitting for clearance and list this information on the Bill of Lading. Failure to properly identify the broker may result in potential delays and storage charges.
- What situations would cause a customs entry delay?
Certain criteria must be met prior to a shipment being loaded to the border. As an LTL carrier, FedEx Freight holds freight in the USA that hasn't been cleared or considered border ready. This avoids other shipments from being delayed while crossing into Canada. Some reasons that a shipment cannot be cleared include:
- Failure to name the customs broker on the paperwork.
- Failure to include all required documents.
- Documents that are missing pertinent information, for example, shipment values are missing, values are not extended and totaled, or the total quantities on the invoice do not match the BOL quantities.
- Improper description or the lack of correct Harmonized Schedule numbers (HS) or Schedule B numbers, or the commodity description is insufficient.
- The IOR requesting to "self clear" the shipment or specifying that the shipment travels in-bond to an inland port for clearance.
- Shipment inspection by U.S.and/or Canadacustoms. Inspections are random and the carrier does not have control over the process. If a shipment is held for inspection it may be delayed 24-48 hours.
- Can my shipment be PARS accepted and still be inspected at the border?
Yes. Even though the shipment information has been sent via PARS and accepted by CBSA, Canadacustoms agents have the right to inspect a shipment. Inspection may result in a held shipment.
- What are the requirements for next-day service to Canada?
FedEx Freight's superior transit times allow for next-day service to Canada in some lanes. Next-day service to Canada is only possible if the customs broker makes entry the same day as pickup by the designated acceptance time for that particular lane. This requires that the documents be sent to the customs broker or FedEx Freight early that day. Utilize our Next-Day Service Request form available online at FedEx.com and follow the instructions.
- What is an Importer of Record (IOR)?
The Importer of Record (IOR) is responsible for all accounting related to the importation including, but not limited to, any duties/and/or taxes payable to the Government of Canada as well as the maintenance of all records pertaining to each importation.
An IOR may appoint a customs broker to act as their agent and transact business with the Canada Border Services Agency (CBSA) on their behalf. The CBSA requires agents to have written authority from the IOR such as an Agency Agreement or Power of Attorney. Note: The IOR is ultimately responsible for all matters regardless if an agent was appointed.
- What is a Non-Resident Importer (NRI)?
A Non-Resident Importer (NRI) is a company or individual who does not reside in Canada, but elects to act as the Importer of Record (IOR) for a shipment, or shipments, imported into Canada.
The benefits of being a Non-Resident Importer include consistent clearance processing and potentially faster delivery times, pre-determination of landed costs and enhanced ecommerce sales. .
- What is a customs broker?
Importers who do not wish to transact business with the CBSA directly may authorize an agent or customs broker to transact business on their behalf. The CBSA requires agents to have written authority from the IOR such as an Agency Agreement or Power of Attorney. Customs brokers services include but are not limited to:
- Preparing release documentation
- Preparing final accounting documentation
- Remitting payment of duties and taxes to the Government of Canada
Although importers may use a customs broker, the importer is ultimately responsible for the accounting documentation, payment of duties and taxes, and subsequent corrections such as re-determination of classification, origin and valuation. The importer remains liable for all duties owing until either the importer or the agent pays them.
- Is FedEx Freight a customs broker?
No. FedEx Freight is a carrier, not a broker. Our customers use many different brokers to assist with their customs clearance needs. The Importer of Record's customs broker should be established before tendering a shipment. The customs broker will be invoicing the customer separately for their services. If a customer needs the services of a customs broker, we recommend FedEx Trade Networks at 1.800.249.2953 or online at www.ftn.fedex.com.
- How does the customs broker get the paperwork?
As a service to our customers, FedEx Freight will forward all documents provided to the appropriate customs broker. If the shipper elects to send the paperwork directly to the broker, FedEx Freight requests that the shipper notate that they have done so including the customs broker contact information on the Bill of Lading. (Also refer to What are my responsibilities as a shipper to Canada?)
- Can FedEx Trade Networks be my customs broker?
Yes! FedEx Trade Networks is one of the largest and most reputable customs brokers in Canada. To utilize the services of FedEx Trade Networks, please reference www.ftn.fedex.com or call 1.800.249.2953 for assistance. All charges by FedEx Trade Networks and other customs brokers are invoiced separately.
- If I have credit with FedEx Freight, will I need to also establish credit with FedEx Trade Networks?
Each FedEx operating company is responsible for determining the creditworthiness of each customer as it relates to the business relationship between the specific customer and the operating company. If FedEx Trade Networks is selected as your customs broker and is paying duties and taxes on your behalf, they require a separate credit application to be completed.
- Can I use another customs broker other than FedEx Trade networks?
Yes. We provide the name of FedEx Trade Networks simply as a convenience for our customers. We will work with the customs broker of your choice.
- What is Customs-Trade Partnership Against Terrorism (C-TPAT)?
Customs-Trade Partnership Against Terrorism (C-TPAT) is a joint initiative between U.S. Customs and Border Protection (CBP) and business to build cooperative relationships that strengthen overall supply chain and border security.
FedEx Freight is C-TPAT certified, providing assurance of our guidelines and practices to customs as well as our suppliers and customers.
Learn more from the U.S. Customs and Border Protection (CBP) at www.cbp.gov or from FedEx Trade Networks at www.fedex.com/us/services/ftn/C-TPAT.html.
- What is Partners in Protection (PIP)?
Partners in Protection (PIP) helps enhance border and supply chain security; combats organized crime and terrorism; and detects and prevents contraband smuggling through enhanced physical, infrastructure and procedural security.
FedEx Freight Canada is PIP certified, providing assurance of our guidelines and practices to customs as well as our suppliers and customers. Learn more from the Canada Border Services Agency (CBSA) at www.cbsa.gc.ca.
- What is Automated Commercial Environment (ACE)?
Automated Commercial Environment (ACE) is the commercial trade processing system developed by U.S. Customs Border and Protection (CBP) to facilitate trade and strengthen border security for shipments destined to the U.S. FedEx Freight Canadais ACE compliant.
Learn more from the U.S. Customs and Border Protection (CBP) at www.cpb.gov.
- What is the Pre-Arrival Processing System (PAPS)?
Pre-Arrival Processing System is the U.S. Customs and Border Protection (CBP) version of PARS. It is the system by which U.S.customs can review documentation to determine clearance prior to the shipment crossing the U.S./Canada border.
Learn more from the U.S. Customs and Border Protection (CBP) at www.cpb.gov.


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About the Book
This book was created from photo shot at the Markham Federation of Filipino Canadian's production of "A Taste of Broadway" the Classics. The Concert occurred on Wednesday, December 09, 2009 at the Markham Theatre. The performers were all local Filipino Artist donating their time and efforts to aid Filipinos back home dealing with the typhoon disaster.
Features & Details
- Category Arts & Photography
Large Format Landscape, 13×11 in, 33×28 cm
60 Pages
- Publish Date Feb 16, 2010
- Tags December 09, Chiu Filipino, Minds Combined Media, Markham Theatre, Markham Federation of Filipino Canadians, 2009, Christopher, MindsCombined, Broadway, MFFC, Markham
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MLB Winning Streak
by: Mobage • 217
All Android applications categories
by: Mobage • 217
An officially-licensed Major League Baseball game.
MLB Winning Streak lets you build, manage, and play with your own MLB dream team in an exciting new social strategy baseball game.
Combining real MLB teams, players, profile collections, and the intensely competitive strategy of online sports gameplay, MLB Winning Streak is the ultimate baseball strategy game for mobile devices!
Key Features:
• Includes all 30 officially licensed MLB teams and over 700 MLB players -- with rankings!
• Baseball team-building and unique player profile collecting offers endless strategy
• Quick and easy in-game tutorial gets you off to a fast start
• Practice in real-life MLB stadiums to train your team
• Challenge your friends in online baseball games to earn in-game items, bragging rights, and a top leader board spot!
• Acquire great players for your team daily
• Manage your team and enhance player profile stats to create a world class championship team
Collect your favorite MLB players, including stars like Albert Pujols, Prince Fielder, Matt Cain, Alex Rodriguez, Gio Gonzalez, Joey Votto, Ichiro and many more! Battle it out in the greatest ballparks in the world, including Camden Yards, Fenway Park, Wrigley Field, Yankee Stadium, and more!
MLB Winning Streak is a baseball strategy game from gloops International Inc. Check out more games by gloops at: http://gloops.com/en/socialgames/
©MLBPA-Official Licensee, Major League Baseball Players Association. Visit www.MLBPLAYERS.com, the Players Choice on the web.
Major League Baseball trademarks and copyrights are used with permission of MLB Advanced Media, L.P. All rights reserved. Visit
www.MLB.com, The Official Site of Major League Baseball.
Tags: mlb winning streak logo
from 217 reviews
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text: This Premier Sandal will keep you cool throughout the season whether you're pool side or around the streets, with its open design and breathable finish the Premier Jelly Bow Sandal is a must have summer staple to add to your wardrobe. These Premier Jelly sandals are finished with a delicate ankle buckle strap for a secure fit, adding an extra layer of style whilst giving foot security and three decorative bows finish off this sandal for a summer look you'd be crazy to miss.A luxurious style choice that won't break the bank with the Premier Bow SandalThe Premier Jelly Bow sandal is perfect for letting you explore in style this season, the cool upper will keep your feet at a pleasant temperature whilst also being waterproof and easy to clean should you wish to dip your feet to cool down.The extra modern bows add a new layer of style no matter what the ensemble so you can be sure you will have the hottest sandals around, perfect for holiday wear, beach wear, out and about travels or even relaxing in the garden the Premier Jelly Bow Sandals can be combined with any look. The stand out black upper provides a unique modern edge to this seasons footwear. Combined with any outfit these Premier Jelly Bow Sandals look particularly good with dresses or jeans or simply with a bikini and kimono for a beach-ready look.


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It's here. The moment you have been waiting for for the past 365 days. The 2014 1st Mariner Thanksgiving Video message. What could be better? Click below for 4 minutes of some good entertaining footage of your favorite local banking team. Enjoy the video, and enjoy your Turkey Day!
Tags: Thanksgiving Trivia
Community Spotlight | Videos
Each year around the holidays, the U.S. Marine Corps Reserve collects toys to distribute to less fortunate children through their Toys for Tots program. The goal of the program is to deliver, through a new toy, a message of hope to less fortunate children that will assist them in becoming responsible, productive, patriotic citizens.
Last year 57,000 toys were distributed to underprivileged children in the Baltimore region. This year, all of 1st Mariner Bank's retail branches are collecting toys for the program. All of the toys we collect will be distributed to children in the Baltimore region.
If you'd like to donate a toy, stop in to any of our retail branch locations before December 12, 2014. Toys must be new and unwrapped. For more information about appropriate toys to donate, visit the Toys for Tots FAQ page.
Tags: Toys for Tots, Holiday Season
Community Spotlight
Who doesn't love summertime at its prime? Long bright days, cheerful singing birds, crab feasts with family and friends, and of course a spike in crime. Summer is an especially big season for debit card fraud. Our security team works hard to prevent you from becoming a victim of debit card fraud so that even if your wallet is lost or stolen, no one else is able to make purchases with your card. It's equally important that you take action to help protect yourself. Here is a list of things you should do to help protect yourself from being a victim of debit card fraud:
If you use your debit card for the majority of your purchases, we'll be able to get a good sense of your normal spending patterns. If you only use your debit card once in a blue moon, it becomes more difficult to know whether an attempted transaction may be fraudulent.
Most people know to alert their bank when they are leaving the country, or even the state. But even if you are going to Ocean City for the weekend, this may be considered abnormal for you. It's easy to alert us of a trip, simply give us a call, email a customer service representative or stop in your local branch.
If we think there has been unusual activity on your debit card, the first thing we'll do is call you to find out whether or not it was you who made the purchase. If we cannot get in touch with you, we'd rather be safe than sorry, and we'll temporarily shut down your card so transactions cannot be completed. Call a customer service representative or stop in your local branch to verify or update your phone number.
Do not choose something that is easy for others to guess, such as your birthday. Do not share your PIN with anyone and do not keep the number in your wallet.
A card holder in your wallet is a good place to keep your debit card because that makes it difficult to fall out. If you keep your debit card loose in your pocket, it can easily fall out without you noticing when you pull out your keys or phone (this goes for cash too!).
Use Online Banking and/or Mobile Banking to monitor your transactions. If you have debit cards with multiple banks, use Mariner360 to monitor all of your transactions in one place. If you notice any transactions that you did not authorize, contact us immediately.
Things to Do before You Leave the Country
How Identity Thieves Steal Your Information
5 Mobile Banking Security Tips
Tags: fraud, debit cards, Security
Quick Tools
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1 hr Private Hip-Hop dance lesson
Have you ever wanted to take a hip-hop class but felt intimidated? Or maybe you just haven't found a class that suits your schedule? I offer a private hip-hop dance lesson for you that will make you feel like the next Beyonce/Michael Jackson/whoever you aspire to be!
Training & Qualifications
hip-hop teacher at a local dance studio, choreographer for 6 years, will break down steps/grooves in a way that is understandable/easy. Anyone can dance!
Availability & Preferences
Prefer weeknights and weekends.
Reviews of Zsa
Flor-Mari received session of 1 hr Private Hip-Hop dance lesson from ZsaSep 06, 2016
About Zsa Mae
Hello! I am Zsa Mae. I am a youth mental health counselor by day and a hip-hop dancer/choreographer by night. I have my Masters in Social Work with a concentration in Mental Health and have been a tr...ained dancer (studied ballet, ballroom, hula, tahitian, jazz, and hip-hop) for majority of my life. I have a lot of interests and have always thought of myself and someone that's excited to learn new skills--- art related skills, language, cooking, etc. I am a creative person and would love to share my talents in exchange for other services/skills. show moreOpen to other proposals
Zsa Mae is looking for:
- Music & Audio
- Experiences
- Fun & Quirky
- Home
- Fitness
- Learning
- Art & Design


text: Filipinos can easily apply for an Australian Tourist Visa online and be approved in a matter of 5 working days (based on our experience), at least after we have completed submitting all the required scanned documents. We are a family of 3 with a 10 year old boy, and currently staying in Singapore. We also […] Read More


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FAA spokeswoman Laura Brown refuses to comment on a dispute between the agency's air traffic division and its independent investigative arm, USA Today reports.
The FAA's Air Traffic Safety Oversight Service has ordered managers of the Memphis airport to stop the practice of allowing incoming passenger jets to fly directly over the tops of planes landing on nearby runways.
Earlier this year a midair collision between a Northwest Airlines DC-9 and a commuter plane at Memphis was narrowly averted.
That incident and others associated with landings on two nearby runways prompted an April 2 memo from the FAA's oversight service demanding immediate changes.
However, the demand is reportedly being ignored by the agency's air traffic division.
Brown says the FAA is currently working to address all safety concerns at the airport.
To read about the plight of local air traffic controllers working overtime at Memphis International, click on Bianca Phillips March story Flying Blind. Phillips also covered a scheduling change last September that requires all traffic controllers not just the most experienced to work the hectic midnight shift. Read Pushing Ten.


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Description: There had been rumors in the air, for some months, of a strangely mysterious organization, said to be spreading over the Southern States, which added to the usual intangibility of the secret society an element of the grotesque superstition unmatched in the history of any other.... Here and there throughout the South, by a sort of sporadic instinct, bands of ghostly horsemen, in quaint and horrible guise, appeared, and admonished the lazy and trifling of the African race... -from "Chapter XXVII: A New Institution" Subtitled "A Novel of the South During Reconstruction," this 1879 bestseller, by a participant in that great social experiment, is the barely fictionalized account of the career of a Northern lawyer in North Carolina after the Civil War. A champion of the poor and landless of any race, and a keen observer of the dilemmas facing uneducated Negroes in the postwar period, Tourgee offers us an important eyewitness account of one of the most tumultuous eras of American history, one that continues to influence the course of the American experiences of race and class to this day. American abolitionist and lawyer ALBION W. TOURGEE (1838-1905) also wrote Figs and Thistles (1879).
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List price: $16.90Copyright year: 2005Publisher: Cosimo, IncorporatedPublication date: 11/23/2005Binding: PaperbackPages: 404Size: 4.75" wide x 8.00" long x 1.00" tall Weight: 0.990Language: English
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General Hospital Orignal
General Hospital Original,also known as GHO,was the first of the General Hospital roleplays on Fanforum,started by California_Here_I_Come (Libby).It began in October of 2005 but the first four threads were wiped out after a server crash at Fan Forum that wiped out all archived threads from October 2005-April 2006.As of July 2007,GHO is on its 13th thread,making it one of the longest running roleplays in Fanforum history.The roleplay began,somewhat based on how General Hospital was at the time but soon morphed into a very different world.Generally,most of the storylines and (some of) the couples are different than they are on General Hospital.There are also a group of new characters as well as a few character returns.
The Cast
- Sonny Corinthos - Brit(V.1),Libby(V.2)
- Carly Spencer - Ash
- Jason Morgan - Libby
- Sam McCall - Shiri
- Robin Scorpio - Court
- Patrick Drake - Brit(V.1),Sarah(V.2)
- Elizabeth Webber - Sarah
- Lucky Spencer - Brit(V.1),Mandy(V.2)
- Ric Lansing - Ash
- Emily Quartermaine - Libby
- Nikolas Cassadine - Shiri
- Zander Smith - Sarah
- Lorenzo Alcazar - Sarah
- Reese Marshall - Libby
- Brenda Barrett - Court
- Tess Ramsey(Spencer) - Shiri
- Faith Rosco - Mandy
- Dean - Mandy --184.108.40.206 02:02, 22 July 2007 (UTC) You want to fill this in,Mandy?
- Cain - Libby --126.96.36.199 02:02, 22 July 2007 (UTC) Same as above
- Sarah Webber - Sarah
- Courtney Matthews - Brit (currently off canvas)
- Gavin (Spencer) - Brit (In jail)
- Alexis Davis - Libby (Deceased)
- Tristan Kahn - Ash (Out of Town)
- Jasper *Jax* Jacks - Libby (Out of Town)
- Madison Sinclaire - Ash (Deceased) --18.104.22.168 02:02, 22 July 2007 (UTC) That the right surname?
- Helena Cassadine - Sarah (Out of Town)
Thread One
Thread Two
Thread Three
Thread Four
Thread Five/Six: The Rest Is Still Unwritten
The first thread saved on Fanforum after the crash of '06.Started again on April 17th 2006.Title from Natasha Bedingfield's "Unwritten".
Thread Seven: What Hurts the Most
Started on May 28th 2006.Title from Rascal Flatts' "What Hurts the Most"
Thread Eight: Goodbye My Lover
Started on July 8th 2006.Title from James Blunt's "Goodbye My Lover"
Thread Nine: If I Just Lay Here
Started on September 17th 2006.Title from Snow Patrol's "Chasing Cars"
Thread Ten: Have I Told You Lately That I Love You
Started on November 22nd 2006.Title from Rod Stewart's "Have I Told You Lately"
Thread Eleven: Keep Holding On Because We're Going to Make It Through
Started on Feb.15th 2007.Title from
Thread Twelve: Illusions Never Change Into Something Real
Started on April 21st 2007.Title from The Fray's "How to Save a Life"
Thread Thirteen: It's a Heartache
Started on July 14th 2007.Title from Bonnie Tyler (?)


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Michelle's Yoga
On weeknight evenings and Saturday mornings, yoga instructor Michelle guides groups through poses that tone the muscles and calm the mind.


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text: 1990 Chevrolet Corvette ZR1 $28,995 12,954 Miles 1990 CHEVROLET CORVETTE ZR-1 - BLACK EXTERIOR / BLACK LEATHER INTERIOR - 6-SPEED MANUAL TRANSMISSION - ONLY 12k MILES - 5.7L LT5 V8 w/ 375 Horsepower - ONLY 3,032 ZR-1's PRODUCED!! 907 PRODUCED IN... Naples Motorsports Naples, FL 239-208-6488 1990 Chevrolet Corvette $27,900 19,349 Miles This one of a kind 1990 Chevrolet Corvette ZR1 is an excellent example with extensive documentation including original build sheet, window sticker and service records. This vehicle has been a show... Isringhausen Imports Chicago, IL 888-782-0385 1990 Chevrolet Corvette $24,892 35,143 Miles Very few vehicles elicit the same kind of satisfaction as the Chevrolet Corvette. The 'Vette is a symbol of childhood dreams and grown up triumph. The Toy Barn is excited to have acquired this... Toy Barn Columbus, OH (888)-323-6132 1990 Chevrolet Corvette $22,900 19,873 Miles We have just added to our extensive exotic car inventory a beautiful 1990 Chevrolet Corvette ZR-1 in Bright Red with Black leather interior and only 19,800 miles. This Corvette is loaded with:... Marshall Goldman Motor Sales Cleveland, OH 866-979-2353 X Success Your e-mail has been sent. You will be sent a copy of this email to the email address you provided. Page 1 of 1 Show 10 Per Page 30 Per Page 50 Per Page 100 Per Page 1 - 4 of 4 listings


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Did you know that Beaujolais Nouveau Day has finally arrived and it is today?
Beaujolais is a region in France, just south of Burgundy and is made up of 12 specific winegrowing areas called appellations. Although a wine doesn't seem cause for celebration, in France it is taken seriously. Beaujolais Nouveau Day instantly has become a recognized holiday extending right into a long weekend.
Although the lines will extend out the door to bring home this year's select vintage of the first harvest of this year's European wines, Beaujolais Nouveau has been shipped around the world and can be purchased in the local liquor stores and wine cellars in the states today. This inexpensive and cheerful drink originated over a century ago to celebrate the harvest season.
There is an urban legend has it that Beaujolais Nouveau was something that the artists and poets of the 1960s seeking something more refreshing than coffee order this in French bistros, bars, and café. It had a cult-like following and was not bottled then. The local growers would drop off their wares in barrels. As popularity grew through word of mouth, the wine was bottled and introduced outside of the French marketplace.
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The Uses and Reasons for Owning a Louis Vuitton Vernis Houston Bag are Unlimted
posted 2013 Nov 21


text:
I. Basic concepts: Buoyancy and Elasticity II. Estimating Tax Elasticity III. From Mechanical Projection to Forecast
- Clementine Jenkins
- 1 years ago
- Views:
1 Elements of Revenue Forecasting II: the Elasticity Approach and Projections of Revenue Components Fiscal Analysis and Forecasting Workshop Bangkok, Thailand June 16 27, 2014 Joshua Greene Consultant IMF-TAOLAM training activities are supported by funding of the Government of Japan Lecture Outline I. Basic concepts: Buoyancy and Elasticity II. Estimating Tax Elasticity III. From Mechanical Projection to Forecast This training material is the property of the International Monetary Fund and is intended for the use in Institute for Capacity Development (ICD) and Fiscal Affairs Department (FAD) courses. Any reuse requires the permission of ICD and FAD. 1
2 I. Introduction and Basic Concepts The elasticity approach: one of the most commonly used conditional forecasting methods Like the effective tax rate approach, changes in tax revenue reflect mainly changes in the tax base if policy is unchanged What is different about the elasticity approach: Revenues can rise faster or more slowly than changes in tax base ( non-linear response ) Forecast: combines mechanical projection with estimated impact of any tax change and judgment (to reflect possible variations in compliance or other information on specific shocks to tax collection). 3 Buoyancy Buoyancy of a tax is the realized/observed relative variation in revenue collection or a specific revenue item compared to the relative change in the proxy tax base: Buoyancy = ( T/ T) / ( Base/Base) Thus, buoyancy is based on actual revenues and reflects all changes in the tax system, including the tax rates and brackets, the definition of the base, variations in enforcement/compliance, or other specific shocks. A tax is said to be buoyant if the tax revenues increase more than proportionately to a rise in output. 4 2
3 Elasticity The elasticity of a tax measures the automatic response of tax revenue to changes in the tax base. Elasticity = ( AT/ AT) / ( TB/TB) The elasticity excludes the effects of discretionary changes in the tax structure (tax rates, coverage, exemptions, and deductions) or administration, as well as the introduction of new taxes. Thus, the elasticity can differ from the buoyancy (next slide) is based on adjusted, rather than actual, revenues The elasticity must be estimated by removing the effects of discretionary changes from revenue data. This can be hard to do (need estimates of effects of these changes). 5 Forecasts with Buoyancies and Elasticities lnr Ln(Actual Rev.) = a + b lnb -- using estimated buoyancy Ln(Adjusted Rev.) = + lnb -- using estimated elasticity lnb 6 3
4 Proportional Adjustment Method: An Example for Adjusting Revenue Year Actual Tax Discretionary Tax Collection Share of Adjusted d Collections Measure Excluding New Measure Tax Measure in Revenue Receipts T DS T - DS T/(T-DS) T* Col Elasticity Golden rule: the tax system is such that elasticity of tax revenues to the tax base should ideally be close to 1. In practice, estimated elasticity can differ from 1. Progressive income taxes can have an elasticity > 1 Lagged indexation of tax brackets to inflation or wages raises elasticity. Proportional (ad-valorem) taxes (VAT, payroll tax) more likely to exhibit estimated elasticity of 1. Elasticity below 1 is possible for specific taxes (e.g., excise or stamp duties) if they are not indexed and/or collected promptly, or if consumers devote smaller shares of income to these items over time (e.g., tobacco products). 8 4
5 Elasticity Inflation can raise or lower the elasticity. Inflation can boost income tax elasticity if collection occurs shortly after assessment (progressivity and delayed indexation of brackets). Inflation will depress elasticity of all taxes if significant collections lags the real value of the tax dues is eroded (Oliveira-Tanzi effect), i.e., tax base is growing faster than revenues. For practical purposes: Any estimated elasticity very different from 1 (e.g., 0.5 or 2) should raise questions: can you explain it? More importantly: if you cannot estimate the elasticity (because data adjustment is hard), beware of highly unstable buoyancies from year to year 9 Elasticity The arithmetic of non-unitary elasticity. 0.3 Reven nue to tax base ratio unit-elasticity 1.5 elasticity 2 elasticity 0.5 elasticity 10 5
6 Elasticity For medium-term forecast: safe to assume that outer-year elasticities are unlikely to stay very high or very low. Tax brackets are ultimately indexed; Limits to gains from better tax administration (compliance and enforcement, ). Translating other basic forecasting techniques in terms of elasticity: Effective tax rate approach: Keeping ETR constant = unit elasticity Raising ETR: above 1 elasticity Simple extrapolations of tax revenue: Equivalent to unit elasticity if projected revenue growth is the same as the projected growth in the tax base 11 II. Estimating Tax Elasticity 12 6
7 Elasticity and regression analysis Even with few data points, an elasticity can in principle be estimated using a simple linear ( OLS ) regression model of the form: 1 2 where Y is the dependent variable (log of revenues), X is the explanatory variable (log of proxy tax base), and ε is an error term. We use logarithms because the estimate of a 2 is the estimated elasticity. We will have n values for Y and X, one for each observation in our estimation period. 13 Illustration: tax revenues vs. base (in logarithms) (Monte-Carlo simulation) ln of revenue y = x R² = ln of base Using logs, the estimated elasticity is the slope of the regression model. Even though data were generated with a model exhibiting unit elasticity as the truth, the estimated elasticity is
8 Regression analysis The pattern of deviations (residuals) around this fitted line indicates how good a fit we have. The larger they are, the less our model is able to explain the evolution of Y by variations in X. If we have the forecast values for X, we can use the model to forecast values for Y. Because the model is imperfect, there will be errors around the forecast, which will depend on the distribution of the residuals. 15 Illustration: tax revenues vs. base (in log) (Monte-Carlo simulation) 0.1 OLS residuals (of log-log model) These OLS residuals are very well behaved: the estimator of the elasticity is unbiased and efficient, even though it is WRONG. That was expected: underlying errors were generated randomly, assuming a normal distribution. But why is OLS estimator different from the truth? 16 8
9 Illustration: tax revenues vs. base (in log) (Monte-Carlo simulation) 3 True errors (in $bn) Even though they were randomly generated (true!), this particular draw of error terms is such that there seems to be an (unintended) trend. This trend will be captured by the OLS estimation and explains why the estimated coefficient higher than the true model (1.2 > 1) there is always a confidence interval around the estimated elasticity. 17 Risks with Simple Estimation Our simple regression may yield good results because tax revenues and the tax base are both increasing. In technical language, we are dealing with non-stationary series. To be sure of our relationship, we need to use stationary series, meaning that there is no systematic tendency for the data to rise or fall over time. 9
10 Developing Stationary Series One way to solve the problem is to estimate an equation using the change in the log of revenues (rather than the log of revenues) and the change in the log of the tax base (rather than the log of the tax base). This usually provides stationary series. Another approach is to use cointegration analysis. Econometric software offers ways to do this. IMF course on Macroeconomic Forecasting teaches how to test for stationarity and do cointegration. What If You Can t Do Cointegration? Cointegration approach: combines long-term relationship with short-term and estimates adjustment dynamics from ST to LT. Hard to do in data constrained environments. Second best: Focus the econometrics on short-term relationship: we deliberately ignore the long-term and the implied dynamics. But at least, the trends will not pollute the simple regression estimation. For outer years of projections: assume convergence of coefficient towards an intuitive long-term value. Beware of results if using actual rather than adjusted data: will estimate buoyancy rather than elasticity if tax law or administration have changed noticeably during the period 20 10
11 Conclusion on estimation Simple model linking revenues to the tax base can be useful. Elasticity (buoyancy) can be estimated simply. But: Keep in mind presumed long-term value for elasticity (ideally around 1). The estimated elasticity will not necessarily be the true one! If data are actuals, estimate may be a buoyancy 21 III. From Projection to Forecast Use estimated elasticity cautiously. Does the overall value make sense? Large deviations from 1 must be substantiated. Compare with past realizations (point elasticities); Look for evidence of an emerging break in the estimated model (e.g. systematically positive or negative forecast errors over the last few years). Always plot data on charts, check residuals. Revenue Forecast: projection + adjustments f Rt 1 Rt 1 g elasticity Adjustments base 22 11
12 Adjustment factors Adjustments factors form the art dimension of forecasting. As it involves judgment, transparency is essential for the credibility of the forecast. The most common reasons for adjusting mechanical projections are: Temporary shocks have occurred in the past: base effect must be corrected (otherwise implicit assumption that the shock is permanent). Role of non-quantifiable/qualitative lit information about impending shocks. Assumption about compliance/enforcement/tax administration reforms must be clearly spelled out. Systematic revenue increases (decreases) during the period will bias estimated elasticity up (down) 23 Short-term term and longer term Short-term nature of the econometric relationship during a time of economic transition: ii Likelihood of unstable relationship (the past may not be a good predictor of the future) Be explicit about how you see long-term trends for outer-year (t+3 and beyond): Historical averages? Other assumptions? 24 12
13 When to Use Elasticity Approach Elasticity approach can be valuable when data suggest a non-linear response of revenue to the proxy tax base: elasticity different from 1 If estimated elasticity equals 1, result is same as effective tax rate approach Risk arises if buoyancies or elasticities vary a lot from year to year. If so, using estimated elasticity may give poor forecast to revenue. Example: if tax base rises but revenue falls, buoyancy is negative. Is decline due to policy change? Can impact be estimated and data adjusted to show elasticity? Summary and Conclusion Elasticity approach allows revenues to grow faster or more slowly than the tax base Compare buoyancy and elasticity: Buoyancy is relationship between changes in actual revenues and changes in proxy tax base Elasticity reflects automatic change in revenues from change in tax base; represents an average response Buoyancies and elasticities can be estimated using regression approaches; note risks Beware of frequent year-to-year changes in buoyancies or elasticities 13
4. Simple regression. QBUS6840 Predictive Analytics. https://www.otexts.org/fpp/4
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"When you look at...the prices of our products, they have been going up. Our customers are demanding premium products from us, so we are delivering higher quality with more premium components," he said at Xiaomi's Mi Home centre in Hong Kong.
After Huawei's Kirin, Xiaomi's Rifle to rival Qualcomm's Snapdragon chips
The company's change in outlook must have also occurred thanks to fellow Chinese phone maker Oppo toppling it to the fourth place in global smartphone sales rankings compiled by IC Insights. Other rivals like Vivo and LG are close behind and new sellers like Meizu, TCL and Micromax are also closing in as we speak. The worrying part is that while Huawei and Oppo are expected to increase their smartphone sales by 29 per cent and 54 per cent respectively in 2016 compared to last year, Xiaomi is expected to increase its sales by a meagre 6 per cent.
To fulfil its ambition to bring in more premium products, Xiaomi launched a Mi 5 Pro variant recently which cost in excess of £300 and came with impressive specifications like a 5.15-inch Full HD display, the latest Snapdragon 820 chipset, 4GB of RAM, 128GB of internal storage and a 3,000 mAh battery. According to Patently Apple, the company is also working on a new Mi Max phablet with a 6.4-inch display and which will cost a third of the price of iPhone 6sPlus.
Xiaomi launches Mi 5, another mid-ranger with premium specs
Apart from bringing in premium phones, Xiaomi is also working on new experience centres in China which are based on the Apple Store retail model. The company has already opened one such store in Hong Kong and hopes to open up several new stores in China. The company is also investing in a home-frown smartphone processor named Rifle to reduce its dependence on foreign suppliers, notably Qualcomm, and in turn cut costs and reduce prices further.
By developing the 'Rifle' and more capable chips in the future, Xiaomi will eventually reduce its dependence on Qualcomm's processors and licences and in turn, offer a large number of premium smartphones to buyers at lower prices. As of now, Rifle is being developed with designs licensed from ARM Holdings which have also been used in Qualcomm's, Samsung's and MediaTek's processors. The launch could take place at the same event where Xiaomi is rumoured to launch the 6.4-inch Mi Max phablet.


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Lindsey Pinto: Common sense revolts against Internet metering
Canadians have been in an uproar about the Canadian Radio-television and Telecommunications Commission's latest catastrophic move, the decision to allow Bell Canada to implement usage-based billing. UBB, which has also been described as Internet metering, means that users are charged a penalty on top of their regular monthly bill for exceeding a predetermined threshold of bandwidth use. Many suspect that this is also the first step toward ISPs charging us per byte, the way they do with data plans for smartphones.
Since the commission's decision, more than 20,000 people have signed a social media-based petition hosted by OpenMedia.ca—possibly the most popular campaign targeted at a telecom issue in Canada's history—to "stop the meter" on their Internet use. They are not without their reasons: market homogenization is a concern, yes, but this issue is made personal by the financial penalty citizens face for accessing or disseminating content that requires any more than the gigabytes they are allotted.
Consequences for the communications industry
This pricing regime has been applied not only to the individual Internet user, but also to independent Internet service providers that purchase broadband access from incumbent ISPs at wholesale prices. Indie ISPs will be forced either to somehow absorb the cost of "overages" or to mirror the pricing plans of the corporations with which they compete. The former is unfeasible, and the latter threatens the small amount of diversity that remains in Canada's telecom market.
Plurality in media is more than just an ambiguous ideal; it is a cornerstone of democracy in a country that holds the cultural mosaic that Canada does. Given this, it is irresponsible to risk the most accessible and egalitarian multicast medium in our nation by allowing it to be regulated by corporations. The CRTC itself described the role that diverse ownership models play in this:
Separately owned undertakings will make use of their own editorial and programming resources. In this way, a diversity of voices is preserved because no one person - no one voice - within an element has sole responsibility for choosing the programming to which Canadians can have access.
In its May decision, the CRTC concluded that Bell's proposal to impose usage-based billing on indie ISPs was a financially motivated move. Bell had then told the commission that UBB was intended to incent "heavy users" to reduce their usage, but this has now been exposed as a cheap excuse. Why would Bell or Shaw care about how indie ISPs manage their traffic, unless they sought to control those practices and eliminate the competition?
By adding limits to the Internet, these major ISPs are discriminating against the public web. It's likely no coincidence that those companies are also vertically integrated, and capitalize on content and applications in addition to broadband itself: UBB disadvantages those who use the web to deliver competing services.
Canada has already begun to lag behind other OECD countries in terms of price, consumer choice, and broadband penetration rates. This will only be exacerbated by the implementation of a pricing system that favours a market oligopoly comprising only four incumbent ISPs. It is not difficult to see that diverse ownership models would help to ensure more competition and innovation in markets, and a greater diversity of voices in our media landscape.
More than just markets
Usage-based billing is discriminatory insofar as it makes video and other high-bandwidth communication modes more cost-prohibitive. In doing so, video and audio are transformed into media that can be uploaded, accessed, and shared only by those with the financial means do so. This further deepens the digital divide, and stifles the use of the Internet for the dissemination of creative endeavours.
Those who produce art, independent news, Internet television, and more, depend on the Internet to broadcast their work. There are endless uses for this content—from students who use this data to contribute to their education, to immigrants who seek to learn about Canadian culture, to those with mobility impairments who use the Internet to more easily connect with the outside world.
The thing is, audio and video content won't suddenly be replaced by textual discourse. We're not going back to the days of bulletin board systems and gray-scale monitors. Simply put, those with the means to do so will continue to produce costly content and those who can afford to will continue to access it. People with low or limited incomes, youth, and residents of rural and remote area will be excluded. In this, the Internet will cease to work as an equalizer, and the economic divisions we face in Canada will further extend to the social realm.
Hope for the future
This isn't over yet. The CRTC has allowed UBB to enter our communication system, but Canada's government can still step in and ask for a reassessment after the 90-day appeal period, which ends in late January. Canadians can come together and participate in campaigns, such as the petition at stopthemeter.ca, and show politicians and regulators that they are passionate about this issue, and won't accept anything less than a fully open Internet.
Lindsey Pinto is the communications manager for OpenMedia.ca.
8 Comments
Tom Jansen
Dec 3, 2010 at 3:53pm
If this person works for OpenMedia.ca, how can we read this as an objective analysis of the CRTC's decision?
Dec 3, 2010 at 4:06pm
Ah yes, unlimited usage for me paid for by the rest of the users, socialist nirvana at it's finest....20,000 signatures isn't a drop in the bucket in the internet age.
Dec 3, 2010 at 4:21pm
This is an attempt to prohibit the freeflow of information. If they continue, I will apply for an american sattelight dish and use the internet there.
glen p robbins
Dec 3, 2010 at 4:40pm
Federal Canada has real over control issues --- no way should corporations be given this oversight.
Fire James Moore - he's useless - and the largest talking head in the universe.
Dec 3, 2010 at 8:14pm
Almost the entire cost of data traffic is providing a connection. Once on the network the cost per byte of carrying the data is insignificant.
This is pure corruption like so many parts of Canada's "worst in the OECD" Telecom infrastructure.
The cable companies have their own unlimited IP network used to carry TV. Maybe it too should be subject to the same Bandwidth limits? That'd shut them up real quick.
Gerald G
Dec 6, 2010 at 9:07pm
I see the corporate shills are already stepping in here.
As Seth mentioned, the cost of data is negligible, this is all about control of the end user experience and eliminating competition.
Jan 31, 2011 at 9:51am
NoleftNutter you are a sheep...we all pay the SAME amount of money for the SAME service you dolt. *swat* on top of that its not like these companies would go bankrupt expanding the bandwidth (if needed as is claimed) pardon but i dont see Bell Telus or Shaw Execs on the street begging for change. i do however see about 25% of the population on the brink of poverty.
Jan 31, 2011 at 9:54am
Cause we all know the internet is not a big truck...*rolls eyes*