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Welcome to Tomson Rail
Established in 2001, we are an innovative company capable of supplying a wide variety of safety critical personnel for clients working on the London Underground and Network rail systems. Our fundamental goal is to provide staff who promote safe-working conditions enabling the efficient, timely completion of work. Our management team always strives to place staff in locations where they have working experience and continuously liase with clients to ensure that they are happy with the service provided.
What we offer
Traditionally we have specialised in the provision of safety critical staff to contractors working on the London Underground network. However, in recent years we have expanded the skill-base of our staff enabling us to provide services to contractors working on the Network Rail system. For more information, click here or contact us directly.
Our clients
Our workforce has a variety of skills and qualifications allowing us to serve clients large and small. We pride ourselves on always putting the customer first and would be glad to respond to any enquiries. We have served many of our clients for extended periods of time and have collected some of their testimonials here.
We are always interested in employing loyal, hard-working individuals with railway experience and certification. For more information read more.
Contact us
If you have any queries at all then please do not hesitate to contact us.


text:
Dangers of escaping Libya by boat
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This story is based on a radio interview. Listen to the full interview.
Marco Werman: The island of Lebaduza has been the destination of thousands of migrants from Libya. The International Organization for Migration estimates that ten thousand of them have reached Lebaduza or the neighboring island of Lenosa. But, many other migrants have died en route. A ship reportedly up to six hundred migrants reportedly sank off the Libyan coast late last week. Many of those on board were killed. Jemini Pandya is the spokeswoman for the Geneva based International Organization for Migration. She says precise figures are hard to come by.
Jemini Pandya: We will never really know how many boats have left. We will never really know how many migrants were actually on those boats. We will never really know for sure how many people have actually died at sea trying to get to Italy and Tramolta. The only thing that we do know is the number of migrants who have arrived safely on Italian and Maltese shores since the start of the crisis and that's it. But it doesn't in any way reflect the scale of the danger and the tragedy that's unfolding on the Mediterranean sea.
Werman: Explain the problems that won't allow you to have a more definitive number of boats leaving and people leaving and people dying.
Pandya: Well, as you know, it's a very difficult situation at the moment in Libya with the conflict raging which makes it very difficult for all of us working on the humanitarian grounds to actually operate in the way that we would normally do before the crisis. Although IOM has successfully carried out six missions to rescue stranded migrants and wounded Libyan civilians from the port city of Mizrata to Benghazi. It's an extremely dangerous operation and we don't yet know when we'll be able to do another one. In terms of what's happening in Tripoli it's much harder to gauge. By and large what migrants have been doing is using smugglers to get them out of Libya by sea and what happens is that smugglers will use very unseaworthy boats. They will overcrowd the boats in order to get as many people on those boats and out as possible and also to get as much money as possible. They leave at times that's only known to them. That's why I say that it's impossible to know how many boats are actually leaving and how many migrants are actually on those boats because it's not as though you're buying a ticket as such or you're being registered before you get on the boats.
Werman: Right, I mean there is no passenger manifest with these authorizations. One thing, and you kind of alluded to it there, one thing that's perhaps not surprising but still pretty shocking are what these refugees are having to pay boat owners and smugglers. Tell us about the kind of things from money to possessions that these refugees have to give up in order to escape the violence in Libya.
Pandya: Well, by and large they're actually not refugees, they're migrants but also some asylum seekers such as the Somalis and Eritreans. But what's quite worrying about what's actually happening in Libya at the moment is what the migrants have been saying to us now for several weeks is that they are not formally being asked to pay a fee to get on these boats. Or, if they are it's a very nominal one. What is actually happening is that they are being searched and robbed basically of all their money and their possessions. They're actually...
Werman: By who?
Pandya: By Libyan officials. And soldiers. And one of my colleagues on the island of Lapaduza was saying is that normally when you have migrants arriving on the island of Lapaduza they arrive with some element of belongings, you know, something that belongs to them. These migrants arriving from Libya are coming with nothing. They are coming with the clothes on their backs, possibly a little bit of food and water but really, not very much. The other worrying thing that we heard from migrants who were witnesses to the boat that sank off the Libyan coast last Thursday to Friday was that when they saw people in the sea trying to swim to shore they saw people not making it, they saw bodies being washed onto shore, they changed their minds. Many of them decided that they didn't want to get on a boat and head for Italy. And what happened is that the soldiers and officials started firing into the air and basically forced them onto the boats. And that is the first time we've ever heard something like this.
Werman: Mm-hmm. Jemini Pandya, a spokeswoman with the International Organization for Migration speaking with us from Geneva. Thank you.
Pandya: You're welcome.

subset: commoncrawl


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Woman (And Her Hair) Go Bananas During Botched Magic Trick
You could say this woman lost her head during a magic trick.
You could say this woman lost her head during a magic trick.
Fitting into an ugly taffeta dress isn't the worst part of being a bridesmaid. No, enduring THIS is the worst part of being a bridesmaid.
While everyone spent the last month gearing up for Halloween, TV news did its duty by continuing to roll out hilarious bloopers.
Talk about "falling" in love.
You don't need to sway trick-or-treaters to go out in search of candy. But, you may need to sway them to your home for the best candy.
Halloween may be the scariest time of the year for kids, but it's nothing compared to the real world terror that is being a grown-up.
This woman has let the world know a dirty little secret about her relationship with her hubby.
He may get his mouth washed out with soap for this, but you can't blame this kid for the sense of relief he feels when his cast comes off.
Here we go again. Ylvis, the Norwegian comedy duo who set the Internet ablaze last year with the question of our time -- 'The Fox (What Does the Fox Say?)' -- have returned with a new song called 'Trucker's Hitch.'
Kmart is getting a big (and clever) jump on the holiday shopping season.
Apple recently unveiled two new iPhones and a watch, giving people a whole new reason with working phones to ponder whether they want to pony up a few more hundred dollars for the latest in tech gadgetry.
The 'Apparently Kid' is coming back for more.


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Dian-Keto Medical College, or Medizinische Hochschule Dian-Keto in German, is a medical college in Yu-Gi-Oh! 5D's. Its name was mispelled as Medizinische Hochshule Didn-Keto in the anime[1] It is named after the card "Dian Keto the Cure Master".
Akiza Izinski considered going to this college to study medicine.[1]
- ↑ 1.0 1.1 Yu-Gi-Oh! 5D's episode 152: "An Advancing Future"


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Advertisement [CLICK THE BUTTON ON THE RIGHT TO CONTINUE]
Author | exchange4media News Service | Wednesday, May 30,2007 8:57 AM
The Telecom Regulatory Authority of India (TRAI) has directed all cable operators to carry Doordarshan channels on their cable services as per the various notifications issued by Prasar Bharati. According to these notifications, certain Doordarshan channels are required to be carried in prime band and some other DD channels in non-prime band.
The TRAI stated in a press release on May 29, 2007, that some cable operators were not following these notifications. Non-compliance of these notifications by cable operators result in the poor reception of these channels in some cases and in totally depriving viewers of these Doordarshan channels. "All cable operators are required to follow the notifications of Prasar Bharati as mandated by sub-section (3) of section 8 of the Cable Television Networks (Regulation) Act, 1995," the statement said.
The provisions contained in sub-section (3) of section 8 of the Cable Act provide that Prasar Bharati may, by notification in the Official Gazette, specify the number and name of every DD channel to be re-transmitted by cable operators in their cable service and the manner of reception and re-transmission of such channels.
TRAI, in order to ensure adherence with the provisions of the Cable Act by the cable operators and to protect the interests of viewers in particular, has directed all cable operators to strictly follow these notifications. It warned that any violation of this direction may lead to prosecution of the errant cable operators under section 29, section 34 of the TRAI Act, 1997.


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Sheridan artist Tom Warnke this week completed his diorama of General Crook's 1876 encampment in Sheridan.
The Wellness Council of Sheridan County recently hired Paul Graslie for a full time position as executive director.
State wildlife officials are proposing changes to fishing regulations. Sheridan Media's Leslie Stratmoen has the report.
Latest Wyoming news, sports, business and entertainment
The government mandated upgrades to the Big Goose and Sheridan Water Treatment Plants are right on schedule. Sheridan Media's Ron Richter has the story.
Fourth Judicial District Court in Sheridan was the site Thursday of a Naturalization Ceremony where nine individuals were sworn in as United States citizens.
Customers of the Sheridan Area Water Supply System will incur a rate increase of 2.25 percent when the SAWS Joint Powers Board adopts their budget for the upcoming fiscal year. The increase is part of a new financial plan that was created by Fletcher Davis with M-W-H Global.
Annually, she said, these reports will be provided to every community in the state.
Buffalo's City Council, at their last meeting, approved Resolution No. 1374, authorizing an application for a business ready community grant to study the feasibility of developing city-owned properties near the Highway 16/I-90 interchange, near TW Road.
For those needing or wanting to become certified in CPR and /or First Aid in Johnson County, register by 5pm Friday for Saturday's classes to be offered at Sheridan College in Johnson County (or SCJC).
Our goal in allowing public comment on our web site is to provide an arena for open discussion on the issues. Following these simple guidlines will ensure that your comments remain posted.
The moderators of sheridanmedia.com reserve the right to monitor and screen all content submitted to the site and may delete content, and block or ban users at our discretion. For a full description see our User Agreement.
Have a news tip? Use our anonymous form to let us know.


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Extreme preservation gives fly's eye view
Ancient fly in amber sports sophisticated photoreceptor arrangement
The eyes had it, even 45 million years ago.
Two flies stuck in Baltic amber still have enough soft tissue to confirm predictions that their kind had already evolved a fancy, open array of photoreceptors, according to a paper published online December 16 in Proceedings of the Royal Society B.
Preserved, ancient eyes have turned up before, but "usually you don't get the internal parts," says Andrew Parker of the Natural History Museum in London. The bulging red eyes on these flies have what Parker says could be the oldest retinas yet examined.


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NRB Bank Limited is now published job circular in the personal website of NRB Bank Limited. A attractive job circular published the NRB Bank Limited. Joining the smart and big banking service team of NRB Bank Limited. NRB Bank Limited is now very dependable banking service team in Bangladesh. Every year NRB Bank Limited published many job circular and joining the many people in this bank. NRB Bank Limited Job Circular 2016 related all information is found my website below.
Published Date: 13 July 2016
Application Deadline: 22 July 2016
Jobs Location : Dhaka
Educational Requirements
- MBA/ Masters/ BBA from any reputed university.
- Candidates having 3rd class or equivalent CGPA in any level of academic career are not eligible to apply.
- Division/Class/CGPA must be clearly mentioned in the resume.
Experience Requirements
- 2 to 6 year(s)
Additional Job Requirements
- Age At most 35 year(s)
- Age should not be more than 35 year(s) as on July 11, 2016.
- Minimum 2 to 6 year(s) in Banks or financial institutions.
- Excellent communications (Oral & written) in English and Bengali and interpersonal skills.
- Proficiency MS office & good presentation skill.
Apply Online
You Come Here For:
NRB Bank Limited Job Circular 2016,NRB Bank Limited Job Opportunity 2016,NRB Bank Limited Job Circular,NRB Bank Limited Career opportunity 2016,NRB Bank Limited Job Circular 2015,www.NRB Bank Limited Job Circular 2016,Bank Job Circular 2016,All Bank Job Circular 2016,bd bank job circular 2016,www.NRB Bank Limited,NRB Bank Limited,NRB Bank Limited career opportunity,bd NRB Bank Limited,NRB Bank Limited Job Circular 2016


text: On Wed, 9 Jul 2008 20:41:31 -0500, Callum Lerwick wrote: > Though I do foresee *cough* certain people *cough* complaining about > how their spec they've used unchanged since RHL 6.2 no longer builds, > and accuses us of "breaking things" and "actively sabotaging" RPM... > So this should probably get prominent notice in the release notes, at > least. Oh, that will get funny anyway if packagers start using the new features, such as %{patches}, and run into problems when mass-copying their %{dist}-poisoned spec files to older branches. ;)


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Yasin was the curator of a museum at Topkapi Palace in Istanbul and was a good friend of Marcus Brody. At the museum's opening reception in 1939, he met Indiana Jones, who hoped that he had information useful in Jones' search for the Staff of Kings.
Behind the scenesEdit
The Curator was a character exclusive to Indiana Jones and the Staff of Kings for the Wii/PS2. While game materials refer to the character as the Curator, Jones calls him Yasin in the game dialogue.
Will Beckman is credited with being the voice actor for the Curator.


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Get an overview of this hotel4-star Duesseldorf hotel in Loerick with restaurant
Popular property highlights
Located in Loerick, this hotel is within 3 mi (5 km) of Rheinwiesen, Museum Kunstpalast, and Duesseldorf City Hall. Rhine Tower and Neuer Zollhof are also within 3 mi (5 km).
Hotel Features
A restaurant, a fitness center, and a bar/lounge are available at this hotel. WiFi in public areas is free. Other amenities include a sauna, a business center, and meeting rooms.
Room Amenities
All 160 rooms offer free WiFi and free wired Internet, plus minibars and flat-screen TVs with satellite channels. Room service, coffee makers, and hair dryers are among the other amenities available to guests.Information missing or incorrect? Tell us!Opens in a new window
Mercure Hotel Düsseldorf Seestern
Hotel Amenities
Hotel Amenities
Mercure Hotel Düsseldorf Seestern features a sauna and a fitness center. The hotel offers a restaurant. A bar/lounge is on site where guests can unwind with a drink. Wired and wireless Internet access is complimentary.
This 4-star property offers access to a business center and meeting rooms. This business-friendly hotel also offers tour/ticket assistance, multilingual staff, and gift shops/newsstands. Onsite parking is available (surcharge).
- Number of floors - 7
- Sauna
- Fitness facilities
- Restaurant
- Bar/lounge
- Total number of rooms - 160
- 24-hour front desk
- Express check-out
- Multilingual staff
- Breakfast available (surcharge)
- Business center
- Free newspapers in lobby
- Express check-in
- Free WiFi
- Free wired Internet
- Tours/ticket assistance
- Luggage storage
- Dry cleaning/laundry service
- Laundry facilities
- ATM/banking
- Gift shops or newsstand
- Elevator/lift
- Meeting rooms 5
- Safe-deposit box at front desk
- Self parking (surcharge)
- Steam room
Available in all rooms: Free WiFi , Free wired Internet
Available in some public areas: Free WiFi , Free wired Internet
Self parking (surcharge)
Room Amenities
- Air conditioning
- In-room climate control (air conditioning)
- Phone
- Minibar
- Coffee/tea maker
- Private bathroom
- Hair dryer
- Shower only
- Desk
- Iron/ironing board (on request)
- Satellite TV service
- Flat-panel TV
- Free WiFi
- Free wired Internet
- Blackout drapes/curtains
- In-room safe
- Room service (limited hours)
- Rollaway/extra beds (surcharge)
Where to Eat
Breakfast is available for a surcharge and served each morning between 6:30 AM and 10 AM.
Mercure Hotel Düsseldorf Seestern has a restaurant on site.
Room service (during limited hours) is available.
Nearby Things to Do
Recreational amenities at the hotel include a sauna and a fitness center.
If you have requests for specific accessibility needs, please note them at check-out when you book your room.
- Accessible bathroom
- Roll-in shower
- In-room accessibility
Hotel Policies
Check-in time ends at 5:30 AM
Check-in time starts at 3 PM
Minimum check-in age is 18
Check-out time is noon
Payment types
Children and extra beds
- Children are welcome.
- Kids stay free! One child 12 years old or younger stays free when using existing bedding.
- Rollaway/extra beds are available for EUR 15 per day.
- Cribs (infant beds) are not available.
- Pets allowed for an extra charge of EUR 10 per pet, per night
You need to know
Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No cribs (infant beds) available
Optional extras
- Breakfast fee: EUR 19 per person (approximately)
- Self parking fee: EUR 15 per day
- Pet fee: EUR 10 per pet, per night
- Late check-out fee: EUR 25
- Rollaway bed fee: EUR 15 per day
Hotel Name
- Duesseldorf Seestern
- Mercure Duesseldorf Seestern
- Mercure Hotel Duesseldorf
- Mercure Hotel Duesseldorf Seestern
- Mercure Hotel Seestern
- Mercure Seestern
- Seestern
- Seestern Duesseldorf
- Mercure Hotel Düsseldorf Seestern Duesseldorf
- Mercure Hotel Düsseldorf Seestern
- Mercure Düsseldorf Seestern
We should mention
One child 12 years old or younger stays free when occupying the parent or guardian's room, using existing bedding.
National Rating
Hotelstars Union assigns an official star rating for properties in Germany. This property is rated 4 stars.


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The key is meticulous waterproofing, even where you might not think it's necessary. More
This Prestige Series water heater is the most efficient the company has offered to... More
The TruTankless water heater squeezes 24 feet of heating element into a... More
As the California drought grinds on, renewed interest in using grey water heats up. More
A reader ponders whether to stick with steam or convert to hydronic. More
Compressed air gives every flush a boost for a top MaP score More
More hot water without remodeling the plumbing More
To curtail wasted water and energy, the NRDC and the UA propose that all hot water piping systems in new buildings be insulated, such as those serving lavatories, showers, dishwashers, and kitchen sinks. More
December's hard freeze wreaked havoc with fire sprinkler pipes in parts of the United States. More
That green growth on your roof might be causing expensive damage to many parts of... More


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Your potential buyers begin their quest to find the most suitable product or service to address their business needs long before they ever make contact with your brand. As a result, each one of your prospects will be in a different stage of their journey by the time they interact with your marketing collateral—e.g. downloading your infographic, attending your webinar or opening your email.
Thus, marketers need to account for these various phases when crafting their strategies. You must have personalized content on deck that will engage everyone from a very interested buyer to a frequent website visitor that is just starting out on the buying journey. Researching and documenting your buyer persona, a detailed profile of an example buyer that represents the real audience, can help to inform—and transform—your strategy in ways you may not have thought possible.
With that said, it's no surprise that 87% of senior marketing executives' top goals for the next three years is to better understand the customer buying journey. After all, understanding your potential customers' buying journeys puts you in a better position to provide premium content that addresses their needs and concerns.
What's more, 76% of senior marketing executives feel their second most important goal is to educate and influence purchasing decisions by mapping the right content assets and distribution channels to key stages in the customers' buying journey.
So how does one effectively map out the buyer's journey? It requires gaining customer insight, or focusing on buying behavior patterns, and leveraging a savvy team of marketers who can strategically match actionable messages to specific groups of buyers. Because your buyers are the source of the insights that will differentiate your content and clarify all decisions, we've created a Buyer Persona Guide to help you through the process (view here).
Before you can begin drawing up your map, you need to derive customer insights from your marketing database and tactfully organize these findings into groups based on demographics, firmographics and behavior.
Segmenting your data will enable you to extract more valuable information that will help you to streamline your investigation of the buyers' journey. For instance, you can group together CMOs from businesses with 100 plus employees and a budget of $500,000. At the same time, you can group smaller businesses with smaller budgets. Doing so allows you to spot trends and patterns based on demographics.
When it comes to content engagement, you might learn that CMOs from larger companies are more responsive to sophisticated market research-based email marketing messages that inform and inspire action from the recipient. Conversely, representatives from smaller businesses may spend more time engaging with content such as thought leadership blog posts, case studies, or whitepapers.
By segmenting your data, you can pay closer attention to a specific group's behavior and determine what makes them respond to your brand quicker. By continuing this process, marketers stand to gain acute insight as to what types of content stimulate most buyer interest and ultimately expedite the buying cycle.
Editor's Note: This post originally appeared on the NetPerspectives Blog and was reposted here with the author's permission.


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Luke Ward continues to show strong interest in Mississippi State.
The ESPN Watch List quarterback from Decaturville (Tenn.) Riverside will visit the school on Saturday to see the Bulldogs host Tennessee. Ward also went to State's spring game and a camp in Starkville this summer.
"I like them a lot. Good football program," Ward stated via text message to ESPN. "Coach [Dan] Mullen is great at what he's doing."
Ward is still waiting on his first scholarship offer. The junior has seen interest from several schools.


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Note to Parents regarding MAP Testing Results
Assessment data provides a "snapshot" of student performance at various points throughout the year. Students in the City of St. Charles School District will have opportunities to demonstrate what they know and and are able to do on various standardized tests throughout their years in the district. To complete the picture of student progress, daily ongoing formative and summative assessments, embedded in the teaching process and used to provide regular feedback, will also be conducted as an essential means to enhance student learning.
District Assessment Plan
The City of St. Charles School District Comprehensive Assessment Plan is a document that details the assessment instruments and strategies used to monitor the quality of the District's instructional program, guidance services, and screenings for participation in special programs.


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While Kapil Sibal has denied any ownership of Tehelka, documents show he owns 80 shares of the beleaguered media company. Interestingly, BJP leader Ram Jethmalani has 165 shares in Tehelka
Union Law and Justice Minister Kapil Sibal again denied owning a single share in the Tehelka magazine. However, according to the directors' report of Anant Media Pvt Ltd, which owns the magazine, as of 29 September 2012, Sibal owns 80 shares or 0.04% stake in the company.
Interestingly, as the Tejpal issue has become a matter of slanging match between Bhartiya Janata Party (BJP) and Congress with BJP indirectly accusing Sibal of shielding Tehelka editor Tarun Tejpal, former BJP leader Ram Jethmalani's stake in Tehelka is double that of Sibal. Jethmalani owns 165 shares or 0.08% stake in Anant Media, the director's report states.
As per the director's report, as of 29 September 2012, Royal Building and Infrastructure Pvt Ltd, owned by Trinamool Congress' member of Parliament (MP) Kanwar Deep (KD) Singh is the majority shareholder in Anant Media with 1.30 lakh shares or 65.75% stake. Tejpal is the second biggest stakeholder with 38,210 shares or 19.25% stake. He is followed by Weldon Polymers Pvt Ltd at 5.87%. Priyanka Gill and Neena Tejpal Sharma owns 2.14% and 1.55% stake, respectively in Anant Media. Shoma Chaudhary, the managing editor of Tehelka owns 1000 shares or 0.5% stake in the company.
Earlier today, Sushma Swaraj, the leader of Opposition, tweeted saying, "Union Cabinet Minister who is the founder and patron of Tehelka is shielding Tarun Tejpal."
Tejpal is accused of sexually assaulting a younger colleague at a Goa hotel where the magazine had organised an event earlier this month.
In his petition to the Delhi High Court for anticipatory bail, Tejpal alleged that the investigation against him is the result of "the wrath of the BJP" which is avenging earlier Tehelka exposes on some of its top leaders.
After a dull session, neither the bulls nor the bears have the upper hand. Nifty may rally if it trades above 6060 consistently in tomorrow's session
Today's stock market trading session was characterised by dull trading, with plenty of see-saw movement. At the end, there were no eventual winners, with the markets finishing flat. Yesterday, we had opined that the Nifty must close above 6,085 for the bulls to regain initiative. This did not happen. The markets opened in the green but immediately started to trend downwards, into the red, with spurts of volatility. This continued till mid-day, when a reversal saw the market rebound and regain momentum to finish the day flat.
The BSE Sensex opened at 20,449 then steadily declined to an intra-day low of 20,348 before a reversal saw the index rebound to an intra-day high of 20,482 before finishing at 20,420 (down 4.76 points or -0.02%). Similarly, Nifty opened at 6,062, hit an intraday low of 6,030 then went up to an intra-day high of 6,074, before finishing at 6,057 (down 2 points, or -0.03%). The indices remained flat on weaker volumes of 52.64 lakh shares being traded.
Indices were mixed today, with some going up and some going down. Auto, Midcap 50 and CNX Metals were relatively strong, finishing up 1%, 0.46% and 0.39% respectively. The losers were CNX IT, CNX Realty and CNX MNC, which were down 0.64%, 0.56% and 0.42% respectively.
Of the 50 stocks on the Nifty, 21 advanced and 29 declined. The top gainers were Tata Motors (2.31%); BPCL (1.89%); Grasim (1.48%); Ultratech Cement (1.15%) and Axis Bank (1.06%). The top losers were JP Associates (-3.05%); Power Grid (-2.18%); Bharti Airtel (-1.54%); DLF (-1.44); NTPC (-1.41).
Of the 1,437 shares on the NSE, 577 closed in the positive, 766 closed in the negative while 94 remained unchanged.
The LIC chairman has said that LIC has invested Rs33,000 crore in capital markets so far in FY14. The Finance Ministry has indicated the possibility of inflation-linked certificates to the tune of Rs10,000 crore in which rates of interest will be 1.5%-2% above the CPI. RBI hopes to issue certificates by end of December.
The global outlook was marked by good economic numbers in the US and Europe, and a surprise rate cut in Thailand. The US markets finished marginally up yesterday. The US November Confidence Index fell to 70.4 from 72.4. The S&P/Case-Schiller Index of home prices rose 13.3% from a year ago, to its highest level since 2006. Similarly, building permits in the US rose 6.2%, to 1.03 million rate, touching its five-year high.
Gold rose 0.77% to $1,251/ounce while oil dipped to $93.30/barrel.
In Europe, UK's GDP rose 0.8%, matching initial estimates, and is up 1.5% when compared to the same period last year. On the German political front, German Chanceller Merkel's CDU party reached a coalition agreement with SPD, a socialist-oriented party. At the same time, German economic data showed consumer confidence rose to the highest in more than six years, buoyed by a robust jobs market and solid income expectations.
Meanwhile, in Asia, the Thai central bank cut key rate to 2.25%, in a surprise move. None of the 19 Bloomberg respondents surveyed did not see forecast this change at all. Asian markets were mixed today, with Nikkei dipping 0.42% while Hang Seng rising 0.53%.
Contrary to media reports that said Reserve Bank has directed banks to adopt Aadhaar, the RBI has advised banks to chose either EMV chip and PIN or Aadhaar's biometric validation as additional factor for authentication and securing the card present payment infrastructure
The Reserve Bank of India (RBI) has said that banks are free to adopt either Euro pay MasterCard Visa (EMV) chip and Pin technology or Aadhaar acceptance as additional factor of authentication for securing the card present payment infrastructure. However, several mainstream media reported that RBI has asked banks to adopt Aadhaar authentication only.
In a notification, the central bank said, "In respect of cards, not specifically mandated by the Reserve Bank to adopt EMV norms, banks may take a decision whether they should adopt Aadhaar as additional factor of authentication or move to EMV Chip and Pin technology for securing the card present payment infrastructure."
However, the RBI has advised banks to keep their new card present infrastructure enabled to use both EMV chip and PIN and Aadhaar (biometric validation) acceptance. It may be noted that EMV cards are 'smart' cards that have an embedded chip while PIN authentication involves the card-holder to punch in a secret code on the card-swiping machine, for each transaction.
Interestingly, about 90% of the existing point of sales (POS) terminals in the country, managed by 21 acquirers (among them Axis Bank, HDFC Bank and ICICI Bank), can accept EMV chip cards and PIN.
According to a report by a "Working Group on Securing Card Present Transactions" of the RBI, there is a need to put in place a series of measures to strengthen the payments infrastructure and ecosystem in the country. Inferences drawn from case studies clearly indicate the need to have a much stronger authentication mechanism and reiterate the need for a second factor (2FA) for card present transactions.
"In the absence of 2FA for POS transactions there is a possibility of the fraud losses increasing by more than 200% in a single year, in the event of a sharp increase in fraud incidents in the country. There is also a possibility of POS FTS (fraud-to-sales ratio) increasing by around 200 basis points in one year under adverse conditions," the report said.
The report discusses new systems like EMV chip cards with PIN that has been adopted by many countries and enhancing the current magnetic strip devices (MSDs) card system with help from biometric identification.
"Aadhaar (issued by the Unique Identification Authority of India - UIDAI) authentication using biometrics, provides a strong 'Who you are' factor of authentication. This can be combined with a second 'What you have' or 'What you know' factor to achieve strong customer identification at the point of sale."
While the option to use biometrics from the UIDAI database looks good, in practice, due to insufficient feasibility tests, it may not be a viable option. "The working committee considered biometric, or UID, as the second factor in one of the solution sets; however, the decision to adopt this would depend on various factors like the number of UIDs issued to the population which transacts through cards, the error rates, authentication network capability to handle transaction volumes, network capability to handle enhanced transaction size and acquiring infrastructure," the report said.
Moreover, biometric (fingerprint) identification is not foolproof. Especially, in some merchant categories like fuel stations and restaurants, there are execution challenges in adopting PIN or biometric as an additional factor of authentication. In addition, it is well known that finger prints and irises can be faked, and one way to fix that problem could be to use finger-print readers that detect live finger prints, and iris readers that detect live irises.
According to JT D'Souza, who analysed the pilot study conducted by the UIDAI, given the well-known lacunae in our infrastructure and massive demographics, biometrics as an ID will be a guaranteed failure and result in denial of service. He said, "The sum of false acceptance rate and false rejection rate (EER) reveals only part of the problem, which is rejection or acceptance within a short duration of enrolment. The bigger problem is ageing, including health and environment factors, which causes sufficient change to make biometrics completely unusable and requires very frequent re-enrolment."
According to a report in the Economic Times, the UIDAI is pushing for biometric authentication for credit card and ATM transactions, but bankers are reluctant to make changes since technology costs are high. Bankers argue that upgrading every ATM and PoS terminal at thousands of merchant outlets will not come cheap, besides travails and risks of a new technology, says the report.
But aren't we forgetting something here? ATM with biometrics is not a new idea. It has been tried and discarded as a failure when the ATMs did not authenticate the biometrics of many underprivileged persons (during the pilot launch) and left them without access to their own funds, especially when banks were closed.
The drumbeat for biometric ATMs began in 2005. On 1 December 2006, Citibank had issued a global release about the launch of its biometric ATM with multi-language voice instruction capability. It had tied up with a NGO called Swadhar FinAccess and a microfinance firm for Citibank Pragati for (no frills) accounts. The experiment ended in a whimper.
In 2007, Andhra Bank had launched biometric ATMs and wanted to make the mobile, to cater to the burgeoning microfinance business. Canara Bank set up its first biometric-based ATM at Dharavi, in Mumbai in 2008 with much fanfare.
The ground reality turned out to be completely different. According to information provided by several non-government organisations (NGOs) spreading financial literacy in that area, the biometric ATMs in Dharavi failed from day one. The reason? Working class there, especially housemaids and other labours do not have fingerprints without which they could not operate the ATM!
Not having fingerprints is just one of the issues with the biometric-based ATMs. The more serious issue is the danger it may pose to the user as thieves may stalk and assault the person to gain access. If the item is secured with a biometric device, the damage to the owner could be irreversible, and potentially cost more than the secured property. For example, in 2005, Malaysian car thieves cut off the finger of a Mercedes-Benz S-Class owner when attempting to steal his car.
In addition, the biometric-based passwords are irreversible. That means it cannot be re-issued in case of loss or theft. If a token or a password is lost or stolen, it can be cancelled and replaced by a newer version. This is not naturally available in biometrics. If someone's face or fingerprint is compromised from a database, it cannot be cancelled or reissued.
Another problem associated with the biometric-based ATM is its cost, both installation and operations. The biometric-based ATMs, as proposed by the Reserve Bank of India (RBI) that would facilitate use to Aadhaar data, are more costly than the regular card-based ATMs. While consumers are increasingly complaining about reasonableness of bank charges, the banks themselves are lobbying hard with the RBI, claiming that high cost of technology is making each transaction very expensive.
Therefore, while on paper the use of biometrics as 2FA may sound feasible, its uses would be limited at specific locations. In this situation, EMV chip cards and PIN look like the future proof system, despite the higher costs, for card-based transactions. Nevertheless, this may not be the last in payment transaction systems.
EMV Implementation
In many countries of the world, debit card and/or credit card payment networks have implemented liability shifts. Normally, the card issuer is liable for fraudulent transactions. However, after a liability shift is implemented, if the ATM or merchant's point of sale (PoS) terminal does not support EMV, then the ATM owner or merchant will be liable for the fraudulent transaction.
According to Wikipedia, MasterCard's liability shift between countries within Asia-Pacific region took place on 1 January 2006, whereas Visa's liability shift for PoS took place on 1 October 2010. For ATMs, Visa's liability shift date is 1 October 2015, except in China, India, Japan, and Thailand, where the liability shift will be 1 October 2017.


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This Microbiological Foodborne Webinar will highlight how to manage the different type of foodborne threat and reduce the risk of food borne illness outbreak.
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As your company's system continues to grow, the potential for "crisis issues" to occur grows proportionally. The concern for food safety to your customers and employees must be a constant area of focus for all operators in the system. Most of the time foodborne illnesses can be avoided if you have an effective food safety program. If any of your team members or management team contracted the foodborne illness, by having an effective food safety program, your food safety team can manage the situation appropriately with necessary response actions, protect the health and safety of your customers, and comply with regulatory requirements/laws.
This presentation will help you to have the knowledge and understanding on the types of microbiological foodborne threat and manage to reduce the risk of the foodborne illness outbreak. Many foodborne illness outbreaks can ruin your business in a short period of time when it took a longer time to build. Knowing the food safety practices in your facility is ongoing and you have an effective crisis management and food safety program, you have the vision for quality and risk management as part of your strategic plan; then you can say "it pays off to be pro-active in food safety".
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Product Recalls - Planning and Conducting a Product Recall and Crisis Communication
Maintaining Food Safety and Customer Satisfaction through effective Specification Development and Implementation
Improving Sanitation Standard Operating Procedures In the Food Industry
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When you plan a wedding there are so many questions .. the ones you have to ask yourself and also the ones you have to ask each of your suppliers. Take for example your wedding videographer - where do you begin? Well to help you on this front I have listed six key questions you should be asking.
1. How many cameras and microphones will you be using and when will you arrive to set up?
They should be very clear on this and explain exactly why they will use each piece of equipment and what their expectations are. Professionals will usually ask to see the site in advance once a contract is signed so that they can make sure they have adequate coverage.
Ask about how they will manage the time for breaking down and setting up between the wedding ceremony and the reception. This can be tricky, but if they are experienced wedding video professionals they will have this down to a science. Don't let them dismiss your concerns with "Don't worry, we'll have it under control." This is unprofessional and may indicate that they tend to fly by the seat of their pants - something you don't want on your wedding day.
2. Who will do the editing and how much experience do they have?
Editing is as crucial to the quality of a professional wedding video as the filming itself. In fact, if plenty of footage has been shot, the editing can be more important, so be sure you find out if the person doing the editing of the tape is a professional and how long they have actually been doing this kind of work, what their educational background is and credentials they have. Preferably, the person editing will be the same person filling your wedding so that they are familiar with the people at your event and know you personally. Editing "blind" isn't a good thing.
3. Do you guarantee Sound Quality and Light Quality?
Many brides have received a beautifully edited wedding video but been disappointed because they couldn't hear the actual vows being exchanged or found that the reception hall shots were so dark you could barely see the guests. What happened? Most likely the videographer was inexperienced and he simply didn't compensate properly for low indoor lighting (in the case of the reception hall) or he didn't have things properly miked (in the case of the wedding vows).
Be sure to make it clear that you expect the sound and light quality to be guaranteed for the entire project. If they balk at this, move on to another wedding video specialist.
4. Do they incorporate Special Effects?
Ask about special effects that can be incorporated into your wedding video. What ones do they do and how long have they been doing them? Ask to see sample videos that incorporate special effects they have done.
5. How long will it take to get a final copy of my wedding video back?
This is an essential question. Some videographers will take endless streams of film of your wedding day, then not bother to do anything with it for weeks or even months. No newlywed couple wants to wait until they are planning their first anniversary to see their wedding video for the first time. Insist on a concrete time frame, not an approximation, and ask that the date be put in the contract if you decide that this is the videographer you decide to use.
6. Will you customize your contract?
This can be a tricky question to ask, but it is essential that you are protected since most videographers these days charged around $2,000 for a wedding and reception, if not more. If the videographer comes back with the "standard contract" observation (and most of them are standard, printed contracts), suggest that you will simply type up an addendum that can be attached to the contract and signed by both parties. This is simple and will protect both parties.
In the US I would recommend you start your online research at The Wedding and Event Videographers Association International (WEVA). To quote them:
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You can find a member in your area by filling in this form.
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Protests interrupt Brewarrina fishway construction
Aboriginal elders in Brewarrina in western New South Wales deny they were given any pay off in exchange for supporting a controversial fishway development.
Work on the structure to improve the passage of native fish in the Barwon River has been interrupted by protests from members of the neighbouring Murrawarri tribe.
A Ngemba traditional owner, Feli McHughes, says his group supported the rock ramp fishway because of an assurance the historic fish traps would be protected, and the job opportunities it would create.
"Under the Heritage Act, the Ngemba traditional owners are the custodians fo the fishtraps themselves but in terms of how our forefathers and elders meant thousands of years ago, they would have wanted us as traditional owners to look at the fish first, our native fish, and the fishtraps second," he said.
David Cordina from the Department of Primary Industries says no money changed hands during the consultation process.
"There's been absolutely no paying off of any elders or traditional elders as part of this project," he said.
"As part of the negotiations for endorsement there was a promise to offer some local employment opportunities and those opportunities were to go to anybody within the community of Brewarrina."
Mr McHughes people from the neighbouring Murrawarri tribe have no right to intervene.
"They should respect the traditional owners.
"I think they should respect the Land Rights Act, the Native Title process and local aboriginal cultural protocols and we don't speak out of country.
"This speaking out of country seems to be getting out of hand," he said.
Mr Cordina says he hopes work on the fishway will resume by the end of the week.
"Work has stopped at the moment.
"We have been instructed, as I understand by the Ngemba traditional owners to recommence works.
"We are currently working with the traditional owners to investigate a way forward," he said.
Topics: sacred-sites, indigenous-aboriginal-and-torres-strait-islander, indigenous-protocols, rivers, murray-darling-basin, activism-and-lobbying, states-and-territories, brewarrina-2839, australia, nsw


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Hong Kong, June 26: Even as the political rapport continues to remain strained, a thawing of cricketing relations between India and Pakistan might just be on the cards. According to a draft of the Future Tour Programme (FTP) for 2012 tro 2020, the Pakistani team is scheduled to tour India in March-April 2013. However, the nitty-grtties of the visit insofar as the number of games and the venes for the same are yet to finalised, which is likely to happen at the ICC's annual conference in Hong Kong next week.
The FTP specifies that England are to play the most number of Tests at 99 over the 8-year period, while Australia will play 92 and India, 90. Sri Lanka and South Africa have been relegated to the next level with 74 and 72 Tests scheduled respectively, followed by New Zealand and the West Indies at 66 Tests apiece and Pakistan, 65, while Bangladesh and Zimbabwe will play 42 and 41 such encounters. However, these are only tentative numbers as of yet.
The FTP itinerary will most likely be revised to leave space for the Champions League Twenty20 as well as a window for the Indian Premier League (IPL) each year, so that player from most nations get to participate in the two tournaments.
In the meantime, Bangladesh and Zimbabwe will most probably not be accorded the privilege to tour India for either Tests or ODIs till 2020, while England too is not scheduled to host either country.
There are a couple of five-Test series planned: the Ashes, and India's tours of England in 2014 and 2018. West Indies and Sri Lanka, however, have nothing more than three-Test series, while Bangladesh and Zimbabwe are limited to two.
The one-day internationals are more evenly distributed. India will play the most with 166, 89 of which will be overseas. Zimbabwe have the lightest schedule with,64, of which 37 are at home. All other countries will play between 100 and 160 games. The Twenty20 format has the fewest games, with most teams scheduled to play between 30 and 55 matches over the eight-year programme. Zimbabwe and Bangladesh, however, have just 11 each.
Oneindia Cricket