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A How-To Guide To Improving Customer Experience
"Get into shape" is a perennial favorite New Year's resolution for the general population. So is improving the customer experience for retail banking executives. And just like getting fit, customer experience improvement requires dedicated focus and an ongoing commitment to achieving one's goal. Here are four steps that top performers have gone through to get their customer experience in tip-top shape.
Step 1: Health check
First things first! Before you begin, you need to know what shape you are in so you know where to focus and how hard you can push yourself. Performed internally or with an external consultant, this checkup should measure how well your customer, product, process and staff performances stack up against the "healthy" voice of customer benchmarks. Like most banks, the results probably won't surprise you: disjointed, complex and manual processes prevent you from serving customers in a consistent, timely and error-free fashion; a bloated menu of products confuses the customer; a one-size-fits-all pricing menu leaves little room for differentiation; and customer-facing staff, despite being eager to help, spend too much time on administrative activities at the expense of customer service. While the results of the checkup may initially depress you, don't' worry. With persistence, hard work and the following tips for success it won't be long before you'll start showing signs of an improved customer experience.
Step 2: Lose Weight – Responsibly
Now that you know where you are, your next course of action is to lose weight by streamlining processes, clarifying roles and responsibilities, and simplifying your product menu.
Streamlining Processes
An effort focused on improving process performance using "lean" principles can have a dramatic on the customer experience. For example, we have seen clients who have been able to reduce mortgage application-to-funding process cycle-times by 80%, while simultaneously reducing the number of signatures by 75% and eliminating 80% of process hand-offs. The keys to the success of this effort are automating manual tasks through data integration and workflow, and eliminating the root cause of errors through document simplification and data validation. Clarify Roles and Responsibilities
Clarifying roles and responsibilities not only ensures that customers know who to contact, but also keeps staff clear on who is responsible for what task. As part of this effort, it is particularly important to ensure customer-facing staff focus on customers rather than administrative activities. For example, one bank was able to more than double the customer-facing time of branch staff by both transferring simple administrative process responsibilities to a cheaper, centralized role and introducing a new, specialized sales role to handle more complex product sales. Simplify Product Menu
It probably won't surprise you that 90% of new customer sales come from only 30% of the product portfolio. The remaining 70% of products either aren't sold anymore, adding to complexity and ongoing operating costs, or have special features associated with them that make them hard for customers to understand and therefore for staff to sell. By rationalizing the product mix and simplifying product features to meet customer demands, we have seen one bank reduce product origination cycle time by up to 25% and increase sales per branch by 2%. In addition, product feature simplification also shortened customers' purchasing decisions and made it easier for them to purchase products online.
Step 3: Increase Core Strength
OK – so you've trimmed down. That's great. Now it's time to strengthen your ability to meet customer needs by improving three key sales and service capabilities: the single client view, customer analytics and branch operating rhythms.
Single Client View
It's difficult to serve customers without a complete and up-to-date customer profile. While most banks have made progress on this front and can now see a full view of banking and credit card relationships held by a customer, too many banks haven't incorporated mortgage and investment accounts into this view. In addition to a full account view, leaders have also incorporated loyalty and lifetime value metrics, segment participation, activity history and relationship information.
Customer Analytics
When we refer to analytics, we're talking about generating customer insights that can be applied during a customer interaction to create value. The key word here is 'applied'. To start out, basic insights should be generated that can be easily understood by staff and customers. For example, one leading bank increased cross-sell rates in pilot locations by 5% in 12 months by having staff select next-best products from a basic 3x3 matrix that compared income with age. The key to success wasn't the complexity of the insight, but rather its ease of use. Customers also found the "customers like you" nature of the insight appealing, as staff were able to clearly explain the rationale for product recommendations.
Branch Operating Rhythms
Strengthening branch operating rhythms is not only good for growth, it helps to ensure that the right messages and product offers reach consumers. From our study of leading practice banks and retailers, we have found that structured branch operating processes, supported by the right content and visible branch leadership, can have a dramatic impact on the ability of branch staff to drive sales that meet the needs of customers. For example, at one bank we found that branches with high customer satisfaction scores (and sales) were those with branch managers who were excellent at disseminating corporate marketing messages to the front line, coaching branch sales staff and executing branch manager routines.
Step 4: Improve Agility
Having gained strength, it's now time to become more nimble. This means improving the speed with which you can respond to customers and tailoring the customer experience to individual needs through an integrated channel experience and real-time processing.
Integrated Channel Experience
Those who effectively integrate their channels find that multi-channel customers not only tend to be more satisfied, they also tend to be more profitable. The key to improving the multi-channel customer experience is to deeply understand where and how to integrate channels across key customer journeys. For example, today customers spend the most time researching new products online and enter the branch to complete the product purchase – thus, one key to orchestrating this customer journey is to ensure a seamless handoff from the online channel to the branch. Similarly, with the rapid emergence of the mobile channel as the primary self-service channel, a core part of a product's origination process should be to register, install and educate customers to use mobile functionality. But remember, you can't do all of this at once. Success will require prioritization of the customer journeys and careful selection of channel integration points.
Real-Time Processing
The latest core banking systems used by banks like BBVA Compass and Commonwealth Bank of Australia allow real-time processing. This means that customers are instantly able to view account updates and access funds they transfer from one account to another. Staff can also tailor product offerings to customer needs in real time, using preconfigured product building blocks. In addition to significant improvements in customer experience, banks that have also used core platform replacement an excuse to revamp their operating models have realized efficiency gains of 20 to 30 percent. That said, we recognize that all this functionality comes at a cost, both in time and effort.
This may all seem a little daunting. But just as on the first day in the gym, when you see all those fit people around you and think, "I can never be like that," you really can. All it takes is commitment to the cause, a plan and hard work.
Fergus Gordon is a partner at A.T. Kearney's financial institutions consulting practice.


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The number of jobs on private employers' payrolls grew by a modest 133,000 positions from April to May, according to the latest ADP National Employment Report.
ADP's monthly report is sometimes a decent barometer of what the Bureau of Labor Statistics will say when it issues its employment estimates. We're due to hear from BLS about the May employment situation on Friday at 8:30 a.m. ET.
As The Associated Press notes, the ADP estimate is another sign "that the job market is recovering only slowly." The Wall Street Journal says that 133,000 is "fewer than the 150,000 expected by economists." Also of note: ADP revised down its estimate of job growth in April, to 113,000 from the initial estimate of 119,000.
Coming up in the next few minutes:
-- The weekly report on claims for unemployment insurance, from the Employment and Training Administration.
-- A second look at gross domestic product growth in the first quarter, from the Bureau of Economic Analysis.
We'll update with the news from those releases.
Update at 8:35 a.m. ET. Jobless Claims Rise; GDP Revised Down.
Both of the fresh government reports on the negative side of the news:
-- The number of first-time claims for jobless benefits grew by 10,000 last week from the week before, according to the Employment and Training Administration. There were 383,000 such claims.
-- The economy grew at a slightly slower pace than previously thought in the first quarter. The Bureau of Economic Analysis says GDP expanded at a 1.9 percent annual rate, a little less than the initial estimate of 2.2 percent.
Also this morning, there's this:
"In May, the nation's employers announced plans to cut 61,887 workers from their payrolls, the most since last September when layoffs totaled 115,730, according to the latest job-cut report released Thursday by global outplacement firm Challenger, Gray & Christmas, Inc."
Copyright 2021 NPR. To see more, visit https://www.npr.org.

subset: commoncrawl


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Join the ever-gorgeous Alya as she shows off her panty collection! This girl adores her lingerie and who can blame her! We've never seen a better selection of the garment we all love so much!
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For your convenience some comments has been automatically translated to your language of choice. Click "SHOW ORIGINAL TEXT" on the auto translated comments to read the original.


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Popularized by movies such as "A Beautiful Mind", game theory is the mathematical modeling of strategic interaction among rational (and irrational) agents. Over four weeks of lectures, this advanced course considers how to design interactions between agents in order to achieve good social outcomes. Three main topics are covered: social choice theory (i.e., collective decision making and voting systems), mechanism design, and auctions.
In the first week we consider the problem of aggregating different agents' preferences, discussing voting rules and the challenges faced in collective decision making. We present some of the most important theoretical results in the area: notably, Arrow's Theorem, which proves that there is no "perfect" voting system, and also the Gibbard-Satterthwaite and Muller-Satterthwaite Theorems. We move on to consider the problem of making collective decisions when agents are self interested and can strategically misreport their preferences. We explain "mechanism design" — a broad framework for designing interactions between self-interested agents — and give some key theoretical results. Our third week focuses on the problem of designing mechanisms to maximize aggregate happiness across agents, and presents the powerful family of Vickrey-Clarke-Groves mechanisms. The course wraps up with a fourth week that considers the problem of allocating scarce resources among self-interested agents, and that provides an introduction to auction theory.
You can find a full syllabus and description of the course here: http://web.stanford.edu/~jacksonm/GTOC-II-Syllabus.html
There is also a predecessor course to this one, for those who want to learn or remind themselves of the basic concepts of game theory: https://www.coursera.org/learn/game-theory-1
An intro video can be found here: http://web.stanford.edu/~jacksonm/Game-Theory-2-Intro.mp4
Price: Enroll For Free!
Language: English
Subtitles: English
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"David Goggins, a member of the NavySEALS, as well as an endurance athlete who has completed several ultramarathons. He races to raises money in honor of 11 military personnel who were killed in Afghanistan in 2005 - Goggins attended training school with four of them. He has raised nearly $300,000 for the Special Operations Warrior Foundation, which pays the college tuition for children of special-operations personnel killed in the line of duty."I've heard that David is a nice guy, so I suspect he will do us ultrarunners proud. But his new Web site ups the ante of self-promotion to near-Karnazes levels, and I can't help but wonder if that's the best way to bring attention to his endurance achievements (which, to be honest, pale in comparison to his services to our country and need no promotion whatsoever). The Web site claims to that he "ranks him one of the Top 20 ultrarunners in the world", and his video starts by saying he is the "SICKEST endurance athlete in the world" complete with how many pull ups and sit ups he can do. Oh, my! It is impressive, but do you think this level of self-promotion is the best possible means?
I don't mean to nitpick or judge, since I don't really know the guy. I will say that one thing does sort of get my goose as an ultrarunner - it appears he doesn't like the sports he is participating in. According to the site, he got 2nd in the Ultraman (2x Ironman distance) on a rented bike with little training, and didn't really enjoy it. Completing the Ultraman is impressive, but is a lack of preperation really the horn you want to toot? Isn't that like me saying I did the Tahoe Rim Trail 100 in flip-flops? Perhaps highlighting that this isn't out of desire for the sport itself is to emphasize his drive for his chosen charity, which is admirable. But I couldn't help but think it was a lost opportunity to connect deeply with an audience of passionate people that could carry his message forward.
I'm doing some armchair critiquing here, but I don't mean to judge. I suspect there is a story here that I don't know, and there may be good reasons to make his claims in the manner he does. If David is able to get a few more folks to check out this ultrarunning thing, I'm sure the sport will be better for it. Certainly the Special Operations Warrior Foundation will too. I'm just curious what others think, so I will blog away. Honestly, it's a bit unfair to even raise the question without meeting him first. I'm hoping one of you has and can shed some light on the subject.
Regardless, I wish David the best in his pursuits and hope to have a chance to meet him in the future. If you would like to donate to the Special Operations Warrior Foundation, just click through on the link. I'll give Mr. Goggins this much - he's brought to my attention a very worthy cause. NBC will do this for millions more.


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LONDON (AP) — Love her or loathe her, one thing's beyond dispute: Margaret Thatcher transformed Britain.
The Iron Lady who ruled for 11 remarkable years imposed her will on a fractious, rundown nation — breaking the unions, triumphing in a far-off war, and selling off state industries at a record pace. She left behind a leaner government and more prosperous nation by the time a mutiny ousted her from No. 10 Downing Street.
Thatcher's former spokesman, Tim Bell, said that the former prime minister had died Monday morning of a stroke. She was 87.
For admirers, Thatcher was a savior who rescued Britain from ruin and laid the groundwork for an extraordinary economic renaissance. For critics, she was a heartless tyrant who ushered in an era of greed that kicked the weak out onto the streets and let the rich become filthy rich.
"Let us not kid ourselves, she was a very divisive figure," said Bernard Ingham, Thatcher's press secretary for her entire term. "She was a real toughie. She was a patriot with a great love for this country, and she raised the standing of Britain abroad."
Thatcher was the first — and still only — female prime minister in Britain's history. But she often found feminists tiresome and was not above using her handbag as a prop to underline her swagger and power. A grocer's daughter, she rose to the top of Britain's snobbish hierarchy the hard way, and envisioned a classless society that rewarded hard work and determination.
She was a trailblazer who at first believed trailblazing impossible: Thatcher told the Liverpool Daily Post in 1974 that she did not think a woman would serve as party leader or prime minister during her lifetime.
But once in power, she never showed an ounce of doubt.
Thatcher could be intimidating to those working for her:
British diplomats sighed with relief on her first official visit to Washington D.C. as prime minister to find that she was relaxed enough to enjoy a glass of whiskey and a half-glass of wine during an embassy lunch, according to official documents.
Like her close friend and political ally Ronald Reagan, Thatcher seemed motivated by an unshakable belief that free markets would build a better country than reliance on a strong, central government. Another thing she shared with the American president: a tendency to reduce problems to their basics, choose a path, and follow it to the end, no matter what the opposition.
She formed a deep attachment to the man she called "Ronnie" — some spoke of it as a schoolgirl crush. Still, she would not back down when she disagreed with him on important matters, even though the United States was the richer and vastly stronger partner in the so-called "special relationship."
Thatcher was at her brashest when Britain was challenged. When Argentina's military junta seized the remote Falklands Islands from Britain in 1982, she did not hesitate even though her senior military advisers said it might not be feasible to reclaim the islands.
She simply would not allow Britain to be pushed around, particularly by military dictators, said Ingham, who recalls the Falklands War as the tensest period of Thatcher's three terms in power. When diplomacy failed, she dispatched a military task force that accomplished her goal, despite the naysayers.
"That required enormous leadership," Ingham said. "This was a formidable undertaking, this was a risk with a capital R-I-S-K, and she demonstrated her leadership by saying she would give the military their marching orders and let them get on with it."
In deciding on war, Thatcher overruled Foreign Office specialists who warned her about the dangers of striking back. She was infuriated by warnings about the dangers to British citizens in Argentina and the difficulty of getting support from the U.N. Security Council.
"When you are at war you cannot allow the difficulties to dominate your thinking: you have to set out with an iron will to overcome them," she said in her memoir, "Downing Street Years." "And anyway what was the alternative? That a common or garden dictator should rule over the queen's subjects and prevail by fraud and violence? Not while I was prime minister."
Thatcher's determination to reclaim the islands brought her into conflict with Reagan, who dispatched Secretary of State Alexander Haig on a shuttle mission to London and Buenos Aires to seek a peaceful solution even as British warships approached the Falklands.
A private diary kept by U.S. diplomat Jim Rentschler captures Thatcher at this crisis point.
"And here's Maggie, appearing in a flower-decorated salon adjoining the small dining room (…) sipping orange juice and sherry," Rentschler wrote. "La Thatcher is really quite fetching in a dark velvet two-piece ensemble with grosgrain piping and a soft hairdo that heightens her blond English coloring."
But the niceties faded over the dinner table.
"High color is in her cheeks, a note of rising indignation in her voice, she leans across the polished table and flatly rejects what she calls the 'woolliness' of our secondstage formulation," Rentschler writes.
Needless to say, Haig's peace mission soon collapsed.
The relatively quick triumph of British forces revived Thatcher's political fortunes, which had been faltering along with the British economy. She won an overwhelming victory in 1983, tripling her majority in the House of Commons.
She trusted her gut instinct, famously concluding early on that Soviet leader Mikhail Gorbachev represented a clear break in the Soviet tradition of autocratic rulers. She pronounced that the West could "do business" with him, a position that influenced Reagan's vital dealings with Gorbachev in the twilight of the Soviet era.
It was heady stuff for a woman who had little training in foreign affairs when she triumphed over a weak field of indecisive Conservative Party candidates to take over the party leadership in 1975 and, ultimately run as the party's candidate for prime minister.
She profited from the enormous crisis facing the Labour Party government led by Harold Wilson and later James Callaghan. Britain was near economic collapse, its currency propped up by the International Monetary Fund, and its once defiant spirit seemingly broken.
The sagging Labour government had no Parliamentary majority after 1977, and the next year it suffered through a "winter of discontent" with widespread strikes disrupting vital public services, including hospital care and even gravedigging. The government's effort to hold the line on inflation led to chaos in the streets.
Britain seemed adrift, no longer a credible world power, falling from second to third tier status.
It was then, Thatcher wrote in her memoirs, that she came to the unshakable, almost mystical belief that only she could save Britain. She cited a deep "inner conviction" that this would be her role.
Events seemed to be moving her way when she led the Conservative Party to victory in 1979 with a commitment to reduce the state's role and champion private enterprise.
She was underestimated at first — by her own party, by the media, later by foreign adversaries. But they all soon learned to respect her. Thatcher's "Iron Lady" nickname was coined by Soviet journalists, a grudging testament to her ferocious will and determination.
Thatcher set about upending decades of liberal doctrine, successfully challenging Britain's welfare state and socialist traditions, in the process becoming the reviled bete noire of the country's leftwing intelligentsia.
She is perhaps best remembered for her hardline position during the pivotal strike in 1984 and 1985 when she faced down coal miners in an ultimately successful bid to break the power of Britain's unions. It was a reshaping of British economic and political landscape that endures to this day.
It is for this that she is revered by free-market conservatives, who say the restructuring of the economy led to a boom in that made London the rival of New York as a global financial center. The left demonized her as an implacably hostile union buster, with stone-cold indifference to the poor. But her economic philosophy eventually crossed party lines: Tony Blair led a revamped Labour Party to victory by adopting some of her ideas.
Margaret Hilda Roberts was born on Oct. 13, 1925. She learned the values of thrift, discipline and industry as the dutiful daughter of Alfred Roberts, a grocer and Methodist lay preacher who eventually became the mayor of Grantham, a modest-sized town in Lincolnshire 110 miles (180 kilometers) north of London.
Thatcher's personality, like that of so many of her contemporaries, was shaped in part by the traumatic events during her childhood. When World War II broke out, her hometown was one of the early targets for Luftwaffe bombs. Her belief in the need to stand up to aggressors was rooted in the failure of Prime Minister Neville Chamberlain's attempt to appease Adolf Hitler rather than confront him.
Thatcher said she learned much about the world simply by studying her father's business. She grew up in the family's apartment just above the shop.
"Before I read a line from the great liberal economists, I knew from my father's accounts that the free market was like a vast sensitive nervous system, responding to events and signals all over the world to meet the ever-changing needs of peoples in different countries, from different classes, of different religions, with a kind of benign indifference to their status," she wrote in her memoirs.
"The economic history of Britain for the next 40 years confirmed and amplified almost every item of my father's practical economics. In effect, I had been equipped at an early age with the ideal mental outlook and tools of analysis for reconstructing an economy ravaged by state socialism."
Educated at Oxford, Thatcher began her political career in her mid-20s with an unsuccessful 1950 campaign for a parliamentary seat in the Labour Party stronghold of Dartford. She earned nationwide publicity as the youngest female candidate in the country despite her loss at the polls.
She was defeated again the next year, but on the campaign trail she met Denis Thatcher, a successful businessman whom she married in 1951. Their twins Mark and Carol were born two years later.
"She was beautiful, gay, very kind and thoughtful," Denis Thatcher said in an interview 25 years later.
"Who could meet Margaret without being completely slain by her personality and intellectual brilliance?"
As the first male Downing Street spouse, Denis Thatcher stayed out of the limelight to a large degree while supporting his wife on her many travels and public engagements. He was said to give her important behind-the-scenes advice on Cabinet choices and other personnel matters, but this role was not publicly discussed.
Margaret Thatcher first won election to Parliament in 1959, representing Finchley in north London. She climbed the Conservative Party ladder quickly, joining the Cabinet as education secretary in 1970.
In that post, she earned the unwanted nickname "Thatcher the milk snatcher" because of her reduction of school milk programs. It was a taste of battles to come.
As prime minister, she sold off one state industry after another: British Telecom, British Gas, Rolls-Royce, British Airways, British Coal, British Steel, the water companies and the electricity distribution system among them. She was proud of her government's role in privatizing some public housing, turning tenants into homeowners.
She ruffled feathers simply by being herself. She had faith — sometimes blind faith — in the clarity of her vision and little use for those of a more cautious mien.
Success in the Falklands War set the stage for a pivotal fight with the National Union of Miners, which began a 51-week strike in March, 1984 to oppose the government's plans to close a number of mines.
The miners battled police on picket lines but couldn't beat Thatcher, and returned to work without gaining any concessions.
She survived an audacious 1984 assassination attempt by the Irish Republican Army that nearly succeeded. The IRA detonated a bomb in her hotel in Brighton during a party conference, killing and injuring senior government figures, but leaving the prime minister and her husband unharmed.
Thatcher won a third term in another landslide in 1987, but may have become overconfident.
She trampled over cautionary advice from her own ministers in 1989 and 1990 by imposing a hugely controversial "community charge" tax that was quickly dubbed a "poll tax" by opponents. It was designed to move Britain away from a property tax and instead imposed a flat rate tax on every adult except for retirees and people who were registered unemployed.
That decision may have been a sign that hubris was undermining Thatcher's political acumen. Tens of thousands of protesters took to the streets in London and other cities, leading to some of the worst riots in the British capital for more than a century.
The shocking sight of Trafalgar Square turned into a smoldering battleground on March 31, 1990 helped convince many Conservative figures that Thatcher had stayed too long.
"How could a leader who was wise make 13 million people pay a tax they had never paid before? It just showed that she was no longer thinking in a rational way," one of her junior ministers, David Mellor, said in a BBC documentary.
For Conservatives in Parliament, it was a question of survival. They feared vengeful voters would turn them out of office at the next election, and for many that fear trumped any gratitude they might have felt for their longtime leader.
Eight months after the riots, Thatcher was gone, struggling to hold back tears as she left Downing Street after being ousted by her own party.
It was a bitter end for Thatcher's active political career — her family said she felt a keen sense of betrayal even years later.
Thatcher wrote several best-selling memoirs after leaving office and was a frequent speaker on the international circuit before she suffered several small strokes that in 2002 led her to curtail her lucrative public speaking career.
Denis Thatcher died the following year; they had been married more than a half century.
Thatcher's later years were marred by her son Mark Thatcher's murky involvement in bankrolling a 2004 coup in Equatorial Guinea. He was fined and received a suspended sentence for his role in the tawdry affair.
She suffered from dementia in her final years, and her public appearances became increasingly rare.
She is survived by her two children, Mark Thatcher and Carol Thatcher, and her grandchildren.


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College definition
Enhanced cooperation between supervisory authorities both at EU and global level is key to strengthening the supervision of cross-border banking groups. Colleges of supervisors are the vehicles through which supervisory activities are coordinated. The EU law envisages the establishment of colleges of supervisors for EEA banks with subsidiaries or significant branches in other EEA countries. They may include supervisors in non-EEA countries, where relevant.
To assist in developing a consistent and effective college framework, the EBA's predecessor, CEBS, published guidelines (i) on the operational functioning of colleges (GL34) and (ii) on the joint assessment of the elements covered by the supervisory review and evaluation process and on joint decisions on the capital adequacy of cross-border banking groups within a college setting (GL39). With the implementation of the Capital Requirements Regulation (CRR) and the revised CRD, the guidelines will be replaced by the directly applicable technical standards covering (i) operational functioning of colleges, (iii) joint decision on institution-specific prudential requirements, (iii) passport notifications, as well as (iv) information exchange between home and host supervisors in relation to institutions operating through branches.
The structure of colleges reflects the activities of the supervised entity. Some of the smaller ones consist of two authorities only, whereas others comprise 20 or more authorities from all parts of the world. The frequency and intensity of college activities can also differ significantly depending on the size and complexity of the institutions.
With the creation of the Single Supervisory Mechanism (SSM), colleges of supervisors will continue to play an important role for banks with a presence in non-SSM countries and the EBA's role will be even more crucial there. If a bank operates only in SSM countries, it will be treated as "domestic" and will, therefore, fall under full responsibility of the SSM authorities.
Role of the EBA
The EBA promotes the efficient, effective and consistent functioning of colleges through its policy work, namely technical standards on the functioning of colleges, and their crucial tasks, including joint decisions on institution-specific prudential requirements, but also through its direct engagement and participation in colleges.
In 2013, EBA closely monitors the college activities most of the largest EEA banking groups. Through its participation in colleges, the EBA monitors and oversees the effective functioning of colleges and their compliance with both legal requirements and the action plan for colleges which EBA updates on a yearly basis. EBA staff provide regular feedback to the consolidating supervisors, encouraging them to share EBA staff observations and finding with all members of the college, while further guidance is provided through the EBA policy work that takes the form of draft technical standards, discussions papers and good practices papers.
Following the European Commission's proposal for an EU framework for bank recovery and resolution, the EBA issued a Recommendation seeking to ensure that the major EU cross-border banks develop group recovery plans by the end of 2013. These plans will be discussed within the colleges of supervisors.


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14 November 2023
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Each of us is all the sums he has not counted: subtract us into nakedness and night again, and you shall see begin in Crete four thousand years ago the love that ended yesterday in Texas.
The seed of our destruction will blossom in the desert, the alexin of our cure grows by a mountain rock, and our lives are haunted by a Georgia slattern, because a London cutpurse went unhung. Each moment is the fruit of forty thousand years. The minute-winning days, like flies, buzz home to death, and every moment is a window on all time.
john northbrooke, c. 1570


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Friday, September 3, 2010
Corn Timbale
From the kitchen of One Perfect Bite...To market, to market to buy a fat pig, but I came home without one jiggity jig. That's not to say I came home empty handed. Corn, at twelve ears for a dollar, was an unprecedented bargain, even for markets in this area. I loaded my basket with 24 ears and hatched a plan to do some recipe testing that I've postponed for a long time now. I've been holding on to two very old recipes that I wanted to try, and corn, at that price, provided the incentive I needed to finally proceed. Both recipes are variants of corn pudding. One of them turned out to be very pedestrian and is not worth your time. The other is Julia Child's corn timbale and it is interesting only because the recipe is hers. I must admit a prejudice going into this. I have never understood why it's necessary to take a delicious vegetable and try to make something of it that it's not. Corn is a very basic thing. A timbale usually is not. A timbale is a molded dish that holds a custard that's used to bind a mixture of cheese and vegetables or meat together. A true mold has high sides and is closed at the bottom, much like a charlotte pan. The dish is baked in a hot water bath and allowed to sit briefly before unmolding. The corn timbale is a good looking dish, but it takes a lot of butter and cream to get it to the table and I'm not much into showmanship these days. I'll let you read the recipe and decide if you want to proceed with it on your own. I found it to be pleasant, but strangely bland for one of Julia's recipes. If you don't have a corn creamer, you can use the large holes of a box grater to scrape the ears and make corn milk. Here's Julia's recipe. Bon Appetit! Kinda! Sorta! Maybe!
Corn Timbale...from the kitchen of One Perfect Bite, courtesy of Julia Child
3 cups corn milk (scraped from the cob with a corn creamer)
6 large eggs
3 tablespoons minced onion
1 teaspoon salt
1/4 cup chopped parsley
2/3 cup fresh breadcrumbs
2/3 cup grated swiss cheese
2/3 cup heavy cream
1/8 teaspoon cayenne pepper
1/4 teaspoon freshly-ground black pepper
Butter an 9-cup charlotte mold or high-sided baking dish and line the bottom with a round of parchment paper. Whisk together corn, eggs, onion, salt, parsley, breadcrumbs, cheese, cream, red pepper, and black pepper. Pour into prepared charlotte mold. Set mold in a larger dish and pour boiling water around it to come two-thirds of the way up its sides. Bake at 350 degrees for 30 minutes, then turn down the oven to 325 and bake for 45 minutes. Let rest for 10 minutes, then unmold onto a serving plate. Yield: 6 to 8 servings.
You might also enjoy these recipes:
Spoon Bread with Leeks and Gruyere Cheese - One Perfect Bite
Summer Corn Pudding - Stacey Snacks
Southwestern Corn Pudding - Janet is Hungry
Baked Corn Casserole - Never Enough Thyme
Corn Spoon Bread - Deep South Dish
Classic Corn Pudding with Cheddar and Chives - The Runaway Spoon
Corn Pudding - Closet Cooking
55 comments :
- Angie's Recipes said...
That's a real bargain! With 1 dollar, you could just get 2 corns here...:-((
The timbale made with fresh corns sounds really wonderful. - September 3, 2010 at 1:43 AM
- Cooking Gallery said...
I can imagine to have this for breakfast :).
- September 3, 2010 at 3:56 AM
- Alessandra said...
Oh Mary!!!! I really have to make this!!! Maybe many miniature timbales... it would be so great!!!
Thank you for sharing!
Alessandra - September 3, 2010 at 4:18 AM
- Rachana said...
A very new dish to me. Looks great!
- September 3, 2010 at 4:43 AM
- My Little Space said...
Great that you finally found some cheap corn for this recipe. I guess no one will ever go to the market and came home with empty handed. haha.... The recipe looks great and it's worth to try it though. Have a great day.
Blessings, Kristy - September 3, 2010 at 5:18 AM
- Katerina said...
That's what blogging is all about after all. Testing and judging. It is always good to hear people who tested a recipe what they think about it. Thanks for daring to say your opinion about a recipe whichever that may be.
- September 3, 2010 at 5:20 AM
- Nina Timm said...
Do you know how long I have been searchin gfor a proper corn timbale, where corn is the prodominant taste. Perfecto!!
- September 3, 2010 at 5:21 AM
- Rita said...
Looks beautiful Mary! an I do love to try JC's recipes, but the amount of eggs and cream would scare me away; brave of you to try this...syill it is lovely.
What a great buy! - September 3, 2010 at 5:47 AM
- Red Nomad OZ said...
People often express surprise when I divulge that corn is my favourite vegetable! I'm not much into fuss and bother either, but always willing to try a new way with my fave! Have a great weekend!
- September 3, 2010 at 6:25 AM
- Allie and Pattie said...
I love your reviews Mary- they're usually spot on. Interestingly, I also posted a timbale last night- but the more traditional southern Italian kind. No custard :) I have to go easier on spices as my mother dislikes ANY heat, but can easily be ramped up. 12 for a dollar??!! Oh, my! Amazing!
xoxo Pattie - September 3, 2010 at 7:03 AM
- Simply Life said...
oh i love this!
- September 3, 2010 at 8:06 AM
- From the Kitchen said...
It's difficult for me to do anything with fresh corn other than to eat it from the cob. The timbale would make a nice presentation.
Have a great weekend.
Bonnie - September 3, 2010 at 8:17 AM
- Jayanthy Kumaran said...
Looks utterly yummy...makes me hungry..!
- September 3, 2010 at 8:24 AM
- Sushma Mallya said...
sound simple and looks beautiful
- September 3, 2010 at 8:40 AM
- Patti said...
I think this sounds delicious. Corn pudding is a traditional Thanksgiving dish at our house. Maybe the family would be willing to try their corn this way instead. Then again, maybe not, as there is SUCH comfort in those constant traditions. Maybe I'll just make the timbales for no special reason.
Thanks for sharing,
Patti - September 3, 2010 at 8:46 AM
- Cathy said...
I'm sure this is delicious, but, like you, I usually opt to enjoy our fresh, wonderful produce prepared in ways that don't cover its flavors. There are so many ways to serve corn but grilled, buttered and salted is my favorite.
- September 3, 2010 at 8:52 AM
- Victoria said...
I love to cook corn at the end of summer and I'm always happy to find a new recipe! The taste of the corn with the swiss cheese must be delicious ... Have nice weekend!
- September 3, 2010 at 8:55 AM
- Valerie Harrison (bellini) said...
I am just chomping at the bit to get to the farmers market tomorrow morning and pick up some corn on the cob!!
- September 3, 2010 at 9:11 AM
- Unknown said...
I've never really been a fan of corn in any form other then it's natural one...but I'm always willing to try something new! It sounds interesting if nothing else. I've always been a bit intimidated by Julia's recipes, but I sure love to watch reruns of her show!!
- September 3, 2010 at 9:14 AM
- Priya Suresh said...
Delicious and interesting dish, thanks for sharing..
- September 3, 2010 at 9:22 AM
- Susi's Kochen und Backen said...
I love anything with corn and for that price I would have stocked up too! I don't think I've ever had a corn timbale but it looks and sounds like something I would immensely enjoy :o) Hope you have a wonderful weekend!
- September 3, 2010 at 9:26 AM
- Barbara said...
Funny thing about corn puddings, Mary. My dad loved them so I made one nearly every holiday for him. I always found them bland too...but he didn't. (but then one of his favorite corn dishes was canned corn, browned in butter with cream poured over it!! And he lived to 94too.)
- September 3, 2010 at 9:37 AM
- Raks said...
sounds good,new to me,nice post :)
- September 3, 2010 at 10:29 AM
- GLENDA CHILDERS said...
I am learning so many new cooking terms from your blog, Mary. Timbale is one I have never heard. I think on this one, I might stick to throwing the corn on the grill. :-)
Glenda - September 3, 2010 at 10:34 AM
- Pondside said...
Timbales are so pretty on the plate, but I think that any dinner guest that saw a fresh corn timbale would be a little disappointed at missing the opportunity to just eat it off the cob, dripping with butter!
- September 3, 2010 at 10:37 AM
- Stacey Snacks said...
This looks fabulous.
I love timbales, they make dinner look special! I will be trying this one with our jersey corn! - September 3, 2010 at 10:44 AM
- StephenC said...
Not having a creamer, I wonder if doing a puree in the food processor would do the trick?
- September 3, 2010 at 11:19 AM
- Chef Dennis Littley said...
your timbale looks like it was perfect! what a great use of all this wonderful fresh corn we have! It certainly was a bargain! I have been adding roasted corn to so many things we eat, I just love it!
thanks for sharing this great recipe with us! - September 3, 2010 at 11:41 AM
- La Bella Cooks said...
Wow, we have corn fields for miles around where I live but our prices are not anywhere near that cheap for corn. This timbale would be fabulous!
- September 3, 2010 at 11:43 AM
- Biren said...
Wow...the corn was a real bargain. I paid $4 for 13 corn last weekend at a farmer's stand. It was good corn. The timbale sounds interesting. I think it is worth a try :)
- September 3, 2010 at 11:59 AM
- January Asia said...
Yummy corn recipe.
In my latest post, I mentioned you, your blog, and one of your recipes. See for yourself:
http://caffeinatedglobe.blogspot.com/2010/09/brunch-party-ideas-7-recipes-that-will.html - September 3, 2010 at 12:23 PM
- Unknown said...
Wow you got a grt burgain....The Timbale looks grt and delicious....
Just want to know about Corn Milk...where to get it or how to make it,though you have mention the corn creamer, its new to me...hopeyou won't mind asking... - September 3, 2010 at 1:17 PM
- Joanne said...
Thanks for sharing even though you weren't enamored!
I love how cheap corn is these days...and so tasty too! - September 3, 2010 at 1:33 PM
- Ginny Hartzler said...
I must say this is rather strange looking! I've never heard of a timbale made from corn. Interesting.
- September 3, 2010 at 1:47 PM
- Create. Snap. Eat. said...
Love it! And amazing presentation.
- September 3, 2010 at 2:01 PM
- JG said...
What a great price for corn! Certainly the time to try something new. Your Timbale looks good.
Have a good weekend. ~Judy - September 3, 2010 at 2:53 PM
- Adelina said...
the beginning of your post made me laugh- but one cannot overlook such a bargain! and you have an interesting recipe here. I ran into timbale molds while shopping at amazon.com for some baking pans- it does seem like one needs the real mold for this creation. As for blandness, my husband would fix it in a jiffy with one of the Indian pickles we have in the fridge :)
- September 3, 2010 at 2:57 PM
- Unknown said...
Quite the steal, this looks amazing and the color is superb
- September 3, 2010 at 2:58 PM
- aipi said...
Hi Mary,
First time here..I always wanted to learn how to make corn timbale..but never found a good enough recipe..I will give this one a try..Thanks a lot for sharing:)
Will be here often..
Do drop by my space sometime.
US Masala - September 3, 2010 at 3:18 PM
- Momo said...
great recipe,looks wonderful!
- September 3, 2010 at 3:24 PM
- Momo said...
mary ,thanks for stop on my blog!i have an old camera,fuji,fine pix,s1500...
- September 3, 2010 at 3:52 PM
- Jill said...
Thank you so much for stopping by my blog today and leaving me a sweet comment! I greatly appreciate it! I hope you have a wonderful day! I enjoy your blog as well and will be back to visit!
Jill - September 3, 2010 at 5:02 PM
- Jennifer said...
My husband would die over this! He is a corn lover from way back!
- September 3, 2010 at 8:33 PM
- Andrea@WellnessNotes said...
Great deal on the corn. And what an interesting recipe to experiment with! The dish looks beautiful!
- September 3, 2010 at 9:31 PM
- susan said...
Mary-Wow! That is some bargain! I agree with you-- I don't think corn needs anything but salt and butter. Even when I cut mine off the cob, that's about all I do. I used to cut off about 100-150 ears every summer to freeze---what a major and messy job! Hope you are doing well!
- September 3, 2010 at 10:21 PM
- We Are Not Martha said...
This looks SO SO good. Corn and pudding: What could be better?!
Sues - September 3, 2010 at 11:20 PM
- Monet said...
So this looks so very impressive! But I am with you...when you have a veggie like corn, I just like to eat those ears plain. But I may have to pull this out for a special occasion. Thanks for sharing!
- September 4, 2010 at 12:30 AM
- scrambledhenfruit said...
I'm a sweet corn fan- this looks like a fun way to prepare it!
- September 4, 2010 at 12:42 AM
- Bakericious said...
a new dish to me but must be yummy :).
- September 4, 2010 at 6:33 AM
- Lucie said...
Thank you for sharing your review of this, Mary. It's a really interesting recipe I'd like to try!
- September 4, 2010 at 7:15 AM
- Claudia said...
This is certainly amust-do while the corn is at peak. And so pretty. Tasting it already. Have a grand weekend.
- September 4, 2010 at 1:53 PM
- Carla and Michael said...
This looks interesting enough to give it a try.
Thanks and have a great Labor Day week-end. - September 4, 2010 at 8:14 PM
- Houdini said...
I could not agree more with your showmanship statement, although sometimes I also succumb to the temptation and do it. I have the time.
- September 5, 2010 at 6:00 AM
- Jen_from_NJ said...
Wow -12 ears for a dollar! 50 cents an ear is the price at our local farm stand. I agree at that price it was the perfect opportunity to experiment with recipes.
- September 5, 2010 at 8:12 AM
- Becky said...
Mary, I remember making this years ago at my grandmother's house, as my grandfather grew scads of corn. But I don't remember how it tasted at all.
Interestingly, I just now watched Julia make this on The French Chef on The Cooking Channel. Then I googled it and saw I had missed your blog post! We've got corn coming in the veggie box and I think I will give this another try.
Julia served the timbale surrounded by quartered buttered Brussels sprouts. Also, she used "about six squirts" of Tabasco, rather than the cayenne in the printed recipes. And she used a combo of white cheddar and Swiss cheeses. I think when I made it at my grandmother's, we probably only used yellow cheddar.
What fun to get to see you have made this and read your review. Thanks! - September 23, 2010 at 2:37 PM


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Bethlehem protest
Photo: Ohad Zwigenberg
Palestinians blocked roads and held marches across the West Bank
on Monday to protest the fate of thousands of prisoners held in Israeli jails and demand the release of four detainees on hunger strike.
The hunger strikers include Samer Issawi, 35, whose health has severely deteriorated after staging an on-again, off-again strike for more than 200 days. The men were all in stable condition, said a spokeswoman for Israel's Prison Authority, Sivan Weizman.
Related stories:
- Palestinian prisoner in isolation struggles to recall language
- Palestinian protest for hunger strikers turns violent
- EU calls for better conditions for Palestinians prisoners
Israel is holding some 4,500 Palestinians for charges ranging from throwing stones to undertaking deadly terrorist attacks.
Hundreds of men and women in the southern town of Hebron brandished yellow, red, black-and-white flags of different Palestinian factions. Other demonstrators held up photographs of their loved ones behind
bars, some in heavily ornate frames.
"Freedom for the prisoners!" they chanted.
Near the biblical city of Bethlehem, Israeli forces chased protesters who blocked a major West Bank road. Soldiers chased them with sticks and hurled tear gas and stun grenades between jammed cars as Palestinians blocked traffic, waving their national black-green-red-and-white flag and shouting support for the prisoners.
There were no reports of injuries. A military spokeswoman said forces responded after Palestinians hurled rocks at soldiers.
In the West Bank city of Ramallah, about 50 people demonstrated at a UN office. Another demonstration was staged in the northern city of Nablus.
Of the four hunger striking prisoners, Issawi has refused food for the large part of some 200 days. He was hospitalized over the weekend after he lost consciousness, but his condition improved after receiving an
IV drip containing vitamins and minerals, a lawyer for the men, Jawad Boulous said.
Another prisoner, Ayman Sharawneh, refused food for 70 days. He halted his strike for a month and resumed it two weeks ago, said prison spokeswoman Weizman. The other two men have refused food since they were incarcerated almost three months ago, she said.
Issawi and Sharawneh were prisoners who were freed as part of a 2011 exchange that released hundreds of Palestinians, many of them terrorists involved in deadly attacks, in exchange for Gilad Shalit, an Israeli soldier held by Hamas-backed terrorists.
Issawi's original sentence was 26 years for a terrorist act but he had served only six years, Weizman said.
The four were re-arrested and sent to prison for violating the terms of their release, Weizman said. She said Issawi was banned from entering the West Bank but entered three times after he was freed.
He was arrested in July, said Anat Litvin from Physicians for Human Rights-Israel. The Israeli rights group monitors Palestinian prisoners.
Litvin said neither Issawi nor Sharawneh, who was arrested in January 2012, has been sentenced. Israel's high court is expected to hear Sharawneh's appeal on 20 February. There were no details on the original accusations against Sharawneh or how he had violated the terms of his release.
A Jerusalem court was set to hear Issawi's case Tuesday, but any ruling there was not expected to lead to his release because a military court will ultimately decide his fate.
The other two men, Tarek Qaadan and Jafar Ezzeldeen, are being held on administrative detention, a system where prisoners can be held without being charged for months at a time.
Boulous said that in an appeal to Israel's High Court, the prisoners rejected a plea bargain under which they would be released after an additional three months in administrative detention.
The hunger striking prisoners are refusing hospital treatment because they did not want to be shackled by their hands and feet to hospital beds, as they has been done in the past, said Litvin of Physicians for Human Rights.
Last year hundreds of Palestinian prisoners went on a mass hunger strike to demand better incarceration conditions. In a deal mediated by Egyptian officials, they were promised more family visits and limits on administrative detention.
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Political commentators will be working overtime in the countdown to the presidential election. So will political comedians, including the candidates' impersonators.
Impersonators have been part of the political landscape for so long, it's hard to imagine a time without them: Rich Little, Dana Carvey, Will Ferrell, Dan Aykroyd, Darrell Hammond, Tina Fey and other comedians have all famously done their turns as candidates. Remember "I can see Russia from my house"?
But if you go back further in history, you won't find much. At one time, impersonating the president was a no-no. Take the time, in 1928, when Will Rogers announced on his radio show that President Calvin Coolidge was about to make some remarks. "Everybody believed that the next voice they heard was Calvin Coolidge," says Peter Robinson, author of the political comedy book The Dance of the Comedians. "And he had to go on the air within days and completely clear the air, as it were," says Robinson. Will Rogers also apologized to President Coolidge. In the 1930s, the White House officially came out against mimicking the president on the air.
A few decades later, the climate changed completely. It began in 1962 with the comedy album The First Family, starring Vaughn Meader's dead-on impression of President John F. Kennedy. This take on the Kennedy White House was like nothing people had heard before. Radio stations started playing excerpts. People started quoting their favorite lines, including, "The rubber swan is mine." Or "schwahn," in Meader's thick Boston accent.
Some people — including White House officials — were not amused by the parody. But pretty quickly, The First Family became a huge hit, selling some 6 million copies in the first six weeks of its release. Then a year later, Kennedy was assassinated, and the recordings all but disappeared. "It did evaporate very quickly," says Robinson. "Americans just had no stomach for the imitation of a dead president."
But Robinson — who teaches history at the College of Mount St. Joseph — says Vaughn Meader and his writers threw open the door. "The tremendous success proved that the American public was willing to entertain the thought of presidential impersonation," he says. That was a very good thing for people like Rich Little and Dana Carvey. Presidents have given them some of their biggest hits.
When Barack Obama ran for president the first time, he posed a bit of a challenge for some comedians, says Bill Carter of The New York Times.
"I went around to a lot of the comedy writers for late night shows, and I said, 'What is the comedy take on this guy?' And ... it was driving them crazy, because they didn't have one. It's obvious what the take is on Clinton, you know, he's a sexual hound, right? Or Bush was sort of a bumbling idiot. You find this theme about a guy," says Carter.
Even Saturday Night Live struggled to find the right Barack Obama. The first comedian to try him was Fred Armisen, who isn't black. Bill Carter didn't think it worked. "Fred was doing the character and doing the cadence right, but he wasn't making much fun of him, and you have to make fun of him to work," says Carter. Part of the problem, thinks Carter, was that Armisen played it too safe. This season, Saturday Night Live introduced a new president, played by black comedian Jay Pharoah. Carter is a fan. "I think it's kind of interesting that they've shifted at Saturday Night Live to a black performer. I think it frees them up more."
Former Gov. Mitt Romney is also a tough one to impersonate, says Robinson. For starters, physically, he doesn't lend himself to caricature. Robinson says SNL's Jason Sudeikis wisely relies a lot on a beady-eyed stare. "His ability to look like Romney as the man who projects — or tries to project anyway — a sense of averageness," says Robinson.
During the last campaign, two comedians figured out a way to do a completely different kind of impersonation — and it takes both of them. On Comedy Central, Jordan Peele and Keegan-Michael Key came up with a comedy hook that operates on a whole other level. Peele, as President Obama, sits in his chair looking calm and unflappable. Key, as his anger translator, Luther, flails his arms and paces back and forth, unleashing Obama's inner thoughts.
Key and Peele came up with this presidential-alter-ego-subconscious spectacle because they never saw Obama get angry, says Jordan Peele. "Luther is the id," says Peele. "The thing that all of Obama's supporters are thinking and a lot of other people as well, but just goes unsaid."
Key and Peele's impersonation has gotten a lot of attention. Even the president has commented, and Key and Peele got to meet him. "First of all he said, 'I need Luther. I need Luther.' It was bananas," says Peele.
As thrilling as it was to meet the president, Peele admits this hasn't been the best year for impersonations. "Last time we had Sarah Palin, who came in and who, as far as comedy is concerned, she's the grand slam," he says.
Without Tina Fey's Sarah Palin, there is, says Peele, a campaign comedy "vacuum."
Copyright 2022 NPR. To see more, visit https://www.npr.org.


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typedef struct { Window window; /* screen saver window */ int state; /* ScreenSaver{Off,On,Disabled} */ int kind; /* ScreenSaver{Blanked,Internal,External} */ unsigned long til_or_since; /* milliseconds */ unsigned long idle; /* milliseconds */ unsigned long event_mask; /* events */ } XScreenSaverInfo; typedef struct { int type; /* of event */ unsigned long serial; /* # of last request processed by server */ Bool send_event; /* true if this came frome a SendEvent request */ Display *display; /* Display the event was read from */ Window window; /* screen saver window */ Window root; /* root window of event screen */ int state; /* ScreenSaver{Off,On,Cycle} */ int kind; /* ScreenSaver{Blanked,Internal,External} */ Bool forced; /* extents of new region */ Time time; /* event timestamp */ } XScreenSaverNotifyEvent;
Current X server implementations typically provide at least one form of ``screen saver'' image. Historically, this has been a copy of the X logo drawn against the root background pattern. However, many users have asked for the mechanism to allow them to write screen saver programs that provide capabilities similar to those provided by other window systems. In particular, such users often wish to be able to display corporate logos, instructions on how to reactivate the screen, and automatic screen-locking utilities. This extension provides a means for writing such clients.
XScreenSaverQueryExtension returns True if the XScreenSaver extension is available on the given display. A client must call XScreenSaverQueryExtension before calling any other XScreenSaver function in order to negotiate a compatible protocol version; otherwise the client will get undefined behavior (XScreenSaver may or may not work).
If the extension is supported, the event number for ScreenSaverNotify events is returned in the value pointed to by event_base. Since no additional errors are defined by this extension, the results of error_base are not defined.
XScreenSaverQueryVersion returns True if the request succeeded; the values of the major and minor protocol versions supported by the server are returned in major_versionp and minor_versionp .
XScreenSaverAllocInfo allocates and returns an XScreenSaverInfo structure for use in calls to XScreenSaverQueryInfo. All fields in the structure are initialized to zero. If insufficient memory is available, NULL is returned. The results of this routine can be released using XFree.
XScreenSaverQueryInfo returns information
about the current state of the screen server in saver_info and a non-zero
value is returned. If the extension is not supported, saver_info is not
changed and 0 is returned.
The state field specifies whether or not the screen saver is currently
active and how the til-or-since value should be interpreted:
idle field specifies the number of milliseconds since the last input was
received from the user on any of the input devices.
The event-mask field specifies which, if any, screen saver events this client
has requested using ScreenSaverSelectInput.
XScreenSaverSelectInput asks that events related to the screen saver be generated for this client. If no bits are set in event-mask, then no events will be generated. Otherwise, any combination of the following bits may be set:
XScreenSaverSetAttributes sets the attributes to be used
the next time the external screen saver is activated. If another client
currently has the attributes set, a BadAccess error is generated and the
request is ignored.
Otherwise, the specified window attributes are checked as if they were
used in a core CreateWindow request whose parent is the root. The override-redirect
field is ignored as it is implicitly set to True. If the window attributes
result in an error according to the rules for CreateWindow, the request
is ignored.
Otherwise, the attributes are stored and will take effect on the next activation
that occurs when the server is not grabbed by another client. Any resources
specified for the background-pixmap or cursor attributes may be freed immediately.
The server is free to copy the background-pixmap or cursor resources or
to use them in place; therefore, the effect of changing the contents of
those resources is undefined. If the specified colormap no longer exists
when the screen saver activates, the parent's colormap is used instead. If
no errors are generated by this request, any previous screen saver window
attributes set by this client are released.
When the screen saver next activates and the server is not grabbed by another
client, the screen saver window is created, if necessary, and set to the
specified attributes and events are generated as usual. The colormap associated
with the screen saver window is installed. Finally, the screen saver window
is mapped.
The window remains mapped and at the top of the stacking order until the
screen saver is deactivated in response to activity on any of the user
input devices, a ForceScreenSaver request with a value of Reset, or any
request that would cause the window to be unmapped.
If the screen saver activates while the server is grabbed by another client,
the internal saver mechanism is used. The ForceScreenSaver request may be
used with a value of Active to deactivate the internal saver and activate
the external saver.
If the screen saver client's connection to the server is broken while the
screen saver is activated and the client's close down mode has not been
RetainPermanent or RetainTemporary, the current screen saver is deactivated
and the internal screen saver is immediately activated.
When the screen saver deactivates, the screen saver window's colormap is
uninstalled and the window is unmapped (except as described below). The
screen saver XID is disassociated with the window and the server may, but
is not required to, destroy the window along with any children.
When the screen saver is being deactivated and then immediately reactivated
(such as when switching screen savers), the server may leave the screen
saver window mapped (typically to avoid generating exposures).
XScreenSaverUnsetAttributes instructs the server to discard any previous screen saver window attributes set by this client.
XScreenSaverRegister stores the given XID in the _SCREEN_SAVER_ID property (of the given type) on the root window of the specified screen. It returns zero if an error is encountered and the property is not changed, otherwise it returns non-zero.
XScreenSaverUnregister removes any _SCREEN_SAVER_ID from the root window of the specified screen. It returns zero if an error is encountered and the property is changed, otherwise it returns non-zero.
XScreenSaverGetRegistered returns the XID and type stored in the _SCREEN_SAVER_ID property on the root window of the specified screen. It returns zero if an error is encountered or if the property does not exist or is not of the correct format; otherwise it returns non-zero.


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Once upon a time, CIA operations were secret.
But as the latest bomb plot in Yemen shows, little stays hidden for long these days.
In the post-Sept. 11 world, even the most sensitive intelligence operations quickly become daily fodder as the 24-hour news cycle, the Internet and media-friendly politicians give the story momentum. And it's often senior government officials and the intelligence community who spread the juiciest details.
The Obama administration has said very little on the record about the scheme in Yemen to bomb a U.S.-bound airliner, using a hard-to-detect explosive device hidden in a would-be bomber's underwear.
The Associated Press broke the story on Monday, saying it had delayed publication for days at the request of the administration. Since then, the news media have been adding detail after detail to the story, based largely on anonymous leaks from U.S. and foreign officials.
The administration's statements have stuck mainly to assurances that U.S. intelligence knew about the plot as it developed, and that Americans were never at risk.
John Brennan, the president's counterterrorism adviser, told reporters, "We had the device in our control, and we were confident that it was not going to pose a threat to the American public."
Instant Leaks
But under the cloak of anonymity, government officials have had a lot more to say. They've indicated the would-be suicide bomber was working for Saudi intelligence, and not only delivered the intact bomb to the CIA, but provided information that helped locate and kill a key al-Qaida leader in Yemen on Sunday.
Why are U.S. officials so willing to talk about top-secret operations?
"Vanity," says former CIA officer Robert Baer, who thinks that some officials are hurting the agency by showing off to the press.
"I know more about the CIA from talking to journalists who cover it than I ever did when I was on the inside," says Baer.
Revelations about how the latest plot was foiled will hurt America's relations with Saudi intelligence, Baer contends. "Saudis are extremely sensitive about talking about the CIA. It's a bad name in the Middle East, like AIDS."
However, in some previous terrorism cases, the Saudis have been eager to highlight their cooperation in helping to prevent attacks on the U.S.
The only silver lining that we can take away is the hope that this will somehow lead to a mole hunt within [al-Qaida in the Arabian Peninsula] that will possibly tear the organization apart.
Still, former CIA agent Michael Scheuer predicted the recent reports will dampen Saudi Arabia's willingness to cooperate with U.S. intelligence in the future.
"This certainly was an operation that was dependent on the Saudis to find the right person to put into the tent," he says. "How do they find another person [for future undercover operations] now that this operation has been revealed?"
Orchestrated Leaks?
But Scheuer also believes that leaks about the mission have been orchestrated from the very top of the Obama administration, for political gain.
Scheuer says he thinks leaking about national security operations has been "an accelerating process," and he blames both the Clinton and Bush administrations, as well as Obama.
"They had very little concern about compromising operational systems and methods," he says. "It's another example of how deeply politicized our security policy has become."
Baer dismisses the idea that the leaking is controlled by the administration, and he says it's hurting the credibility of the CIA by suggesting that the agency had a leading role in the operation, when its contribution was based on a liaison with the Saudis.
Both Baer and Scheuer have written extensively about their own time in the CIA, and are frequent commentators on television.
For members of Congress charged with intelligence oversight, the issue of how much to say is even more complicated.
Dianne Feinstein, a Democratic senator from California, confirmed some details of the plot when the story first became public, but she has also said the leak should not have occurred.
Rep. Peter King, a Republican from New York and the chairman of the House Homeland Security Committee, told CNN on Tuesday: "There's really great concern that this got out. My understanding is a major investigation is going to be launched because of this."
Gregory Johnsen, an expert on Yemen at Princeton University, told NPR's Dina Temple-Raston that he also viewed all the leaks with concern.
But he noted that it could sow suspicion within the group that organized the plot, al-Qaida in the Arabian Peninsula, or AQAP.
"The only silver lining that we can take away is the hope that this will somehow lead to a mole hunt within AQAP that will possibly tear the organization apart," he said.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Reuben. 1* The sons of Reuben, the firstborn of Israel. (He was indeed the firstborn, but because he defiled the couch of his father his birthright was given to the sons of Joseph, son of Israel, so that he is not listed in the family records according to his birthright.a 2Judah, in fact, became powerful among his brothers, so that the ruler came from him, though the birthright had been Joseph's.)b 3The sons of Reuben, the firstborn of Israel, were Hanoch, Pallu, Hezron, and Carmi.c 4His son was Joel, whose son was Shemaiah, whose son was Gog, whose son was Shimei, 5whose son was Micah, whose son was Reaiah, whose son was Baal, 6whose son was Beerah, whom Tilgath-pileser, the king of Assyria, took into exile; he was a prince of the Reubenites.d 7His brothers who belonged to his clans, when they were listed in the family records according to their descendants, were: Jeiel, the chief, and Zechariah, 8and Bela, son of Azaz, son of Shema, son of Joel. The Reubenites lived in Aroer and as far as Nebo and Baal-meon;e 9toward the east they dwelt as far as the wilderness which extends from the Euphrates River, for they had much livestock in the land of Gilead.f 10In Saul's time they waged war with the Hagrites, and when they had defeated them they dwelt in their tents throughout the region east of Gilead.g
Gad. 11The Gadites lived alongside them in the land of Bashan as far as Salecah.h 12Joel was chief, Shapham was second in command, and Janai was judge in Bashan.i 13Their brothers, according to their ancestral houses, were: Michael, Meshullam, Sheba, Jorai, Jacan, Zia, and Eber—seven. 14These were the sons of Abihail, son of Huri, son of Jaroah, son of Gilead, son of Michael, son of Jeshishai, son of Jahdo, son of Buz. 15Ahi, son of Abdiel, son of Guni, was the head of their ancestral houses. 16They dwelt in Gilead, in Bashan and its towns, and in all the pasture lands of Sirion to the borders. 17All were listed in the family records in the time of Jotham, king of Judah, and of Jeroboam, king of Israel.
18The Reubenites, Gadites, and the half-tribe of Manasseh were warriors, men who bore shield and sword and who drew the bow, trained in warfare—forty-four thousand seven hundred and sixty men fit for military service. 19When they waged war against the Hagrites and against Jetur, Naphish, and Nodab,j 20they received help so that the Hagrites and all who were with them were delivered into their power. For during the battle they cried out to God, and he heard them because they had put their trust in him.k 21Along with one hundred thousand persons they also captured their livestock: fifty thousand camels, two hundred fifty thousand sheep, and two thousand donkeys. 22Many were slain and fell; for "From God the victory." They dwelt in their place until the time of the exile.l
The Half-tribe of Manasseh. 23The half-tribe of Manasseh lived in the land of Bashan as far as Baal-hermon, Senir, and Mount Hermon; they were numerous. 24The following were the heads of their ancestral houses: Epher, Ishi, Eliel, Azriel, Jeremiah, Hodaviah, and Jahdiel—men who were warriors, famous men, and heads over their ancestral houses.
25However, they acted treacherously toward the God of their ancestors by prostituting themselves to follow the gods of the peoples of the land, whom God had destroyed before them.m 26Therefore the God of Israel stirred up against them the anger of Pul,* king of Assyria, and the anger of Tilgath-pilneser [sic], king of Assyria, who deported the Reubenites, the Gadites, and the half-tribe of Manasseh and brought them to Halah, Habor, and Hara, and to the river Gozan, where they have remained to this day.n
Levi.* 27The sons of Levi were Gershon, Kohath, and Merari.o 28The sons of Kohath were Amram, Izhar, Hebron, and Uzziel.p 29The children of Amram were Aaron, Moses, and Miriam. The sons of Aaron were Nadab, Abihu, Eleazar, and Ithamar.q 30* Eleazar became the father of Phinehas. Phinehas became the father of Abishua. 31Abishua became the father of Bukki. Bukki became the father of Uzzi. 32Uzzi became the father of Zerahiah. Zerahiah became the father of Meraioth. 33Meraioth became the father of Amariah. Amariah became the father of Ahitub. 34Ahitub became the father of Zadok. Zadok became the father of Ahimaaz. 35Ahimaaz became the father of Azariah. Azariah became the father of Johanan. 36Johanan became the father of Azariah, who served as priest in the temple Solomon built in Jerusalem. 37Azariah became the father of Amariah. Amariah became the father of Ahitub. 38Ahitub became the father of Zadok. Zadok became the father of Shallum. 39Shallum became the father of Hilkiah. Hilkiah became the father of Azariah. 40Azariah became the father of Seraiah. Seraiah became the father of Jehozadak. 41Jehozadak was one of those who went into the exile which the LORD inflicted on Judah and Jerusalem through Nebuchadnezzar.
* [5:1–26] Genealogies of the Transjordanian tribes, Reuben, Gad, and the half-tribe of Manasseh.
* [5:26] Pul: the Chronicler seems to speak of two different kings here, but Pul was the name which the Assyrian king Tilgath-pileser III (745–727 B.C.) adopted as king of Babylon.
* [5:27–6:66] The tribe of Levi. The Chronicler's list gives special prominence to Levi's son Kohath, from whom were descended both the Aaronite priests (vv. 28–41) and the leading group of Temple singers (6:18–23).
* [5:30–41] The line of preexilic high priests. The list seems to become confused in vv. 36–38, which repeat the same names, mostly in inverse order, that occur in vv. 34–36. A similar but shorter list occurs, with variations, in Ezr 7:1–5.
a. [5:1] Gn 35:22; 48:5, 15–22; 49:3–4; Dt 33:6.
b. [5:2] 1 Chr 28:4; Gn 49:8–12.
c. [5:3] Gn 46:9; Ex 6:14; Nm 26:5–6.
d. [5:6] 2 Kgs 15:29.
e. [5:8] Jos 13:9, 16–17; Nm 32:3, 38.
j. [5:19] 1 Chr 1:31; 5:10; Gn 25:15; Ps 83:6–7.
l. [5:22] Nm 32:39; Dt 3:8–10; Jgs 3:3.
m. [5:25] Ex 34:14–16; 2 Kgs 17:7.
n. [5:26] 2 Kgs 15:9, 29; 17:6.
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