23 Australians arrested in global child porn network

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23 Australians arrested in global child porn network

Friday, December 12, 2008

 Correction — December 22, 2008 This article previously stated that Mr Williams had been charged with six counts of sex with a minor girl and two of possession of child pornography material. He was not charged with any counts of sex with a minor, and only one of using a carriage service provider to view child pornography and one of possession of child pornography material. 

By virtue of 28 search warrants, the Australian Federal Police has charged and arrested 23 men across Australia of “trading images and videos of child abuse on the internet,” being part of a global child pornography and video-sharing network involving people in 70 countries.

A Victorian QC, a NSW policeman, and a childcare worker are among the 19 arrested so far across NSW, Victoria and Queensland. As part of the international crackdown on the online child pornography ring, the AFP’s Child Protection Operations Teams seized some 500,000 images and 15,000 videos, which not only showed victims as young as 12 months old, but even filmed children being molested for more than two hours.

Retired former barrister, a Newham Victorian legal figure Neil James Williams QC, aged 74, was arrested by Australian Federal Police on October 22. Charged with one count of using a carriage service provider to view child pornography and one of possession of child pornography material, he appeared in the Bendigo’s Magistrates’ Court of Victoria and was released on granted bail, pending court hearing on March 4.

Sydney man Richard Ngon Fung Lee, aged 24, a waiter from Blakehurst, New South Wales, one of five men arrested and detained, was accused of “downloading and possessing child pornography,” and six counts of child sex. He did not file a petition for bail, as Sydney’s Central Local Court jurist Allan Moore adjourned the criminal lawsuit until next week. He will also be charged with having sex with a 13-year-old girl.

AFP Acting Deputy Commissioner Andrew Colvin said, “the videos seized as part of this operation have to be among the worst we have seen; in this case we haven’t located any children that were depicted in these videos or these images in Australia; law enforcement does have tools, so we can get in and infiltrate these type of applications; if we are not knocking on your door this morning, then it could be tomorrow.”

The year-long probe dubbed “Operation Resistance” began after information from the Brazilian Federal Police last December. The tip-off supplied from the DPF via the Interpol, had contributed to identification of more than 200 suspects in 70 countries forming the global internet sex network. The Age reported that “six other Victorians arrested are a 40-year-old Bell Park man, 27-year-old Maldon man, Rodney Peter Smith, a 56-year-old Altona man, a 66-year-old Northcote man, a 32-year-old Lovely Banks man and a 47-year-old Windsor man.” Some of those arrested will appear before the Geelong Magistrates’ Court of Victoria next year. Another 200 suspects have been identified worldwide.

Amid the legal and practical issue of identifying the victims, the children appear to be based primarily in Eastern Europe, and North and South America. All the charges filed concern peer-to-peer (or P2P) network, with each carrying a 10-year imprisonment penalty for possession of child abuse instrument. AFP acting assistant commissioner Neil Gaughan said more charges and arrests are expected this week. Only two children in NSW had been removed from contact with suspects. The AFP’s one year investigation has also resulted in over 300 people being arrested, including 131 people as part of 2008’s Operation Centurion.

The police are urging anyone with information regarding overt or suspicious acts about child pornography to report the matter to the local police, or online through http://www.virtualglobaltaskforce.com.

500 stranded melon-headed whales rescued in Philippine bay

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500 stranded melon-headed whales rescued in Philippine bay

Saturday, February 14, 2009

Philippine fishermen, volunteers and authorities with dozens of fishing boats have joined hands in guiding back to sea about 500 disorientated melon-headed whales that were stranded in the shallow waters near the mouth of Manila Bay delta in the Bataan Peninsula.

The gentle mammals were first spotted swimming back and forth and straying very dangerously close (about a mile or 1.6 kilometers) to the shores of the coastal towns of Pilar, Orion and Abucay 135 kilometers northwest of Manila at around at around 4:00 am on Tuesday, said Philippine Coast Guard (PCG) Commodore Luis Tuazon and Bataan Governor Enrique Garcia Jr.

The Philippines Bureau of Fisheries and Aquatic Resources (BFAR) said its has responded to the reported mass “stranding” of whales off Pilar coastal waters in the province of Bataan where the famous and historic Corregidor Island is located.

Using dozens of fishing boats with machines shut down and bare hands, more than 100 village fishermen and volunteers along with BFAR, local police and Philippine Coast Guard personnel have joined the massive rescue. With great difficulty, the emergency team has waded into the chest-deep water, clapping their hands and hitting the surface to guide and drive the whales farther away from the coastal shore to deeper waters.

“The mammals were at first thought to have been dolphins, but experts then identified them as melon-headed whales,” local veterinarian Mariel Flores said. “This type of whale can be easily mistaken for dolphins because of their size and their teeth, which resemble those of dolphins. The mammals have ears that are sensitive to large changes in pressure underwater,” she added.

This type of [melon-headed] whale can be easily mistaken for dolphins because of their size and their teeth, which resemble those of dolphins. If their eardrums are damaged they become disorientated and they float up to the surface.

“It looked like they never wanted to leave. They looked sad,” said Rodolfo Joson, a village councilor. Joson and his son, Joey, a fisherman like him, have rushed home at about 4 a.m. to report the pod sighting. “It was still dark when we waded into the water. The whales were about 200 meters from the shore. The water was up to my neck. We first checked their conditions by playing with them. They did not repel us or leave. They were making hooting sounds,” Joson explained the mass beaching. “It seemed they were running away from waters that they didn’t like. Dolphins are happy and strong creatures. They raced with ships,” he added.

A post-mortem examination has revealed that four dead whales found beached farther up north in Abucay, Bataan, include two adult females, one of which was pregnant, while the other gave birth to a calf that also died, said Dr. Lemnuel Aragones of Ocean Adventure in Subic Freeport who did the necropsy at the Bataan fisheries office in Balanga City.

This is the first time that such large numbers of dolphins had been stranded in the Philippines. “We are trying to come up with a possible explanation to this unusual occurrence. It could be that the dolphins had lost their bearings and inadvertently ended up on the shallow portion of the coast unable to extricate themselves,” said Dr Lemuel Aragones, Associate Professor at the UP Institute of Environmental Science and Meteorology.

Dr Aragones, who holds a PhD on Tropical Environmental Studies (Marine Ecology) from Australia’s James Cook University, explained that “the melon-headed whales of the dolphin family have sophisticated navigation systems that operate on a principle similar to sonar instruments used in submarines. Like humans, dolphins also follow a ‘leader’ of their pod. It is possible that the leader of this dolphin [pod] had somehow lost its way. In turn, the leader’s acoustic system, which serves as its guidance system, might have been impaired,” the marine expert elaborated.

Dr Aragones said “BFAR, UPIESM, and the Ocean Adventure Marine Park in Subic started the Philippine Marine Mammals Stranding Network (PMMSN) in 2005 as a response to cetacean strandings or beachings.” She cited the PMMSN training received by BFAR officers in Bataan during Tuesday’s mass beaching. She has asked the government to release funds for marine mammal studies.

The two adults had damaged eardrums, Alberto Venturina, the provincial veterinarian, said. “Dolphins with injured eardrums become disoriented, cannot dive for food and are too weak to swim and just flow with the current. If it’s a sick leader, the animal needs to be identified and taken out of sight of the rest of the pod so the healthy dolphins could be prodded back to sea,” he added.”The two animals were identified as melon-headed dolphins, weighing about 250 to 300 kilograms (550 to 660 pounds),” explained Venturina, adding “the third dolphin was only a month old and measured barely a meter long. Its gender had not yet been determined.”

According to Nelson Bien, head of the Fisheries Resource and Management Division of BFAR Region III, a necropsy by BFAR, the provincial veterinarian, and veterinarians from the Ocean Adventure in Subic Freeport has traced the cause of their death to drowning.

The marine doctors have determined that the marine mammals might have drowned after failing to extricate themselves from the fishing nets or “baklad,” explained Dr. Mundita Lim, director of the Protected Areas and Wildlife Bureau (PAWB) of the Department of Environment and Natural Resources (DENR). “There were no injuries to their ears, like visible lesions, but the possibility of an acoustic problem or trauma is still there,” Dr Lim explained, saying, “more tests, like analysis of tissue samples and MRI tests will have to be done to see if there were other injuries to the animals not visible externally.”

They are sending tissue samples to the University of Philippines in Los Baños, Laguna for analysis. “If it was something like climate change, then it would be a bigger environmental problem,” Lim added.

A fourth and pregnant one was also found dead in the village of Tortugas in the town of Balanga, Bataan, said Bien, saying they were investigating the incident and would conduct a “water quality and water parameter test” to determine why the dolphins beached to shallow waters. The condition of melon-headed whale found at Talisay River and taken to Ocean Adventure in Subic Freeport has improved amid forced feeding and treatment of its 2 wounds, said Nilo Ramoso, Biologist III, Pawikan Conservation Project.

Dr. Westly Rosario, BFAR Center chief in Dagupan City, has reported that BFAR personnel were also investigating a “problem in the water, probably chemical pollution,” to explain why the dolphins beached and sought shelter in the shallow waters. The dolphins have faced the same direction and their blowholes above water, they seemed to be avoiding something. “The dolphins were behaving in the same way, they have the same action. People were trying to drive them back into the sea but they refused. There could be chemical pollution somewhere which they were avoiding,” Rosario explained.

Dolphins’ disorientation is sometimes caused by the changes in earth’s magnetic field “that cause the dolphins’ navigational mechanisms to go haywire,” Dr. Edgardo Gomez, professor emeritus of the University of the Philippines Marine Science Institute, said, adding that “it could also be chemicals in the water that affected the dolphins, although this should be proven by water tests.” Philippine marine biologist Rizza Salinas said a possible cause for the stranding of large pods of distressed whales is that there could have been illegal dynamite fishing in the area.

“This is very strange. What is also unusual is they appeared disoriented. I am on my way to Bataan on board BFAR’s patrol vessel. We will look into the situation. Our patrol boats are also on their way to the area. We are also getting experts on stranding,” said BFAR director Malcolm Sarmiento Jr. Sarmiento, explaining that the highest number of stranded dolphins recorded by the BFAR was only 20 to 30. “It’s something unusual. It’s the first time that such a large pod has entered Manila Bay, and is acting strangely,” Sarmiento added.

“Most strandings are caused by seaquakes, heat wave or disturbances at sea. Such disturbances affect the pressure underwater, which subsequently affects the dolphins’ eardrums and sense of balance, leading to their “disorientation.” The creatures then will avoid diving in deeper parts of the ocean and will swim to shallow areas. They came from the north and were headed towards the South China Sea,” Sarmiento explained, adding that the unusual occurrence may have also been caused when the pod could have been following a sick or injured leader.

Sarmiento has appealed to the public not to inflict harm on the dolphins, which are considered threatened species. “Please do not harm the dolphins because they are already endangered. The authorities should also prevent the people who want to inflict harm on the creatures. They should be arrested, if needed.” Melon-head dolphins are considered threatened species — meaning they are likely to become endangered in the future.

“At around 12 noon, the dolphins were finally guided to the open seas, but residents in Hermosa near Mariveles were surprised to see the dolphins near their shoreline, but around 4:30 pm, all the dolphins have left the shoreline and swam towards into deeper waters,” said Governor Garcia.

“The dolphins swam parallel back to Abucay, Hermosa, and Manila Bay before they were eventually herded farther offshore. There are theories that this phenomenon was a result of the Monday night lunar eclipse. The Fisheries Bureau will know after their tests,” Garcia added.

Having suspected the dolphins’ habitat must have been disrupted, forcing them to flee and seek refuge in shallow waters, Senate of the Philippines Majority Leader, Juan Miguel Zubiri on Tuesday asked experts to probe the cause of the sudden appearance of more than 300 electra dolphins near the shores of Pilar town in Bataan province Tuesday morning.

Senator Zubiri wanted the experts to examine the possibility that an earthquake study, involving an undersea experiment using blasting in the South China Sea by the Lamont-Doherty Earth Observatory (L-DEO) – a collaborator of Columbia University – caused the abnormal behavior of the small whales.

Citing an International Union for Conservation of Nature research concluding that the melon-headed whales may have been distracted by the South China Sea study, forcing the dolphins to wander in the shallow waters, Senator Zubiri said that “the earthquake study is a sea floor investigation project in the exclusive economic zone that includes Taiwan, China, Japan and the Philippines for its earthquake research. On top of saving stranded dolphins, we should find the cause for the tragedy in order to avoid them in the future and to be prepared when it occurs again,” he explained.

But according to Erlinton Olavare, Philippine Institute of Volcanology and Seismology (PHIVOLCS) science research specialist, “no significant event was recorded by their stations in Bolinao, Sta. Cruz and Lubag, near Pilar at the time the dolphins were stranded Tuesday.”

Department of Environment and Natural Resources Secretary Jose L. Atienza, Jr. said Bataan Gov. Enrique “Tet” Garcia on Wednesday confirmed there was dynamite fishing in his province. “I asked him [Garcia] and he confirmed it. He also said he was battling this illegal activity,” said Atienza. “The causes of the acoustic trauma could have been sound waves caused by dynamite fishing or sounds emitted by passing ships or seaquakes,” Gov. Garcia said.

“Dolphins are a ‘cohesive’ group and that they follow where their leader takes them. If the leader of the dolphins was sick, then the animal could have committed a “navigational error” and led the rest of the group to shore,” said the Whale and Dolphin Conservation Society (WDCS).

“The pod of melon-headed whales (dolphins) on Manila Bay were injured by a rather nasty group of more than 120 undersea earthquakes. The swarm started with a small magnitude-4.5 event on December 21, 2008. Things got red-hot on January 3, 2009 when a magnitude-7.6 event erupted near the water’s edge on Papua Island in Indonesia, 700 miles southeast of Davao City in Mindanao. The 7.6 magnitude quake was followed by more than 120 major aftershocks each one capable by itself of inflicting injury on a pod of dolphins,” said Capt. David Williams, a retired marine mammal researcher, a commercial sea captain for 40 years and active whale conservationist.

Capt. Williams explained that whales and dolphins have small air sacs (pterygoid sinuses) that surround each inner ear and help then sense sound direction underwater. A damaged pterygoid air sac results in the loosing of echonavigation and echolocation. “In summary, my Seaquake Theory indicates that barotrauma, as a result of exposure to potent earthquake-induced changes in ambient pressure, solves the centuries-old mystery of why whales and dolphins mass-strand on beaches around the world,” Capt. Williams concluded.

An explosive blast and explosive decompression create a pressure wave that can induce barotrauma. The difference in pressure between internal organs and the outer surface of the body causes injuries to internal organs that contain gas, such as the lungs, gastrointestinal tract, and ear.

According to the Natural History Museum experts, whale and dolphins can become confused, mis-read the Earth’s magnetic fields, fear certain sounds and get lost. Since 1913, it has investigated all strandings, more than 11,000 so far, and it runs the UK Whale and Dolphin Stranding Scheme.

New Zealand‘s Project Jonah has claimed that the largest recorded beach stranding was in 1918 when 1,000 pilot whales were stranded on New Zealand’s Chatham Islands.

The last mass beaching in the Philippines was in 1956 when around 12 sperm whales were stranded in a coastal area in Capiz, amid at least 10 yearly strandings that happened in the country involving only one or two animals that were either sick or dying.

Last January this year, Filipino fishermen have also rescued an endangered sea cow. The fishermen aided the beached sea cow to the deep sea, according to the Worldwide Fund for Nature.

The Melon-headed whale (Peponocephala electra; many-toothed blackfish and electra dolphin) is a cetacean of the oceanic dolphin family (Delphinidae). As small members of the dolphin group, it is closely related to the Pygmy Killer Whale and Pilot Whale, and collectively these dolphin species are known by the common name blackfish.

The tender mammal can grow up to 2.7 meters (9 feet) and weigh as much as 210 kilograms (460 pounds). With black triangular “mask” on its face, it appears dark gray to black in color, has no discernible beak and its head is shaped like a rounded melon, thus the name. Its primary diet is squid and fish. The Melon-headed whale lives well off-shore in all the world’s tropical and sub-tropical oceans.

At the northern fringes of its range it may also be found in the warm currents of temperate waters. Ordinarily, however, it is found beyond the continental shelf between 20° S and 20° N. The Melon-headed whale is widespread throughout the world’s tropical waters, although not often seen by humans on account of its preference for deep water. It has been found in Ireland, Hawaii and Cebu, in the Philippines.

As social species, they are covered by the Marine Mammal Protection Act of 1972 in the United States. In July 2004, between 150 and 200 melon-headed whales occupied the shallow waters of Kauai island in Hawaii for over 28 hours, after which, they were rescued and guided to deeper water. This incident may have been related to nearby United States Navy sonar exercise.

The International Union for Conservation of Nature (IUCN) which includes the melon-headed whales in its Red List of threatened species said that the number of whales involved in mass stranding had increased in the last 30 years.

“The melon-headed whales are likely to be “vulnerable” to loud sounds, such as those generated by navy sonar and seismic exploration. Evidence from stranded whales also has indicated that they may have died after swallowing plastic items. It has been predicted that the whales will be affected by global climate change, but the impact is still unclear,” the IUCN explained.

Court rules Massey can appeal US restrictions in mine disaster investigation

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Court rules Massey can appeal US restrictions in mine disaster investigation

Monday, June 13, 2011

In a unanimous decision, a US federal appeals court issued a ruling Friday against the federal government, in favor of Massey Energy Co, owner of the Upper Branch Mine in West Virginia, the location of last year’s mine disaster that killed 29 workers. The court ruled the company may appeal the restrictions placed on it by a government order hindering the company’s ability to conduct its own internal investigation of the disaster.

The order controlling Massey’s investigations into the disaster was placed on Massey immediately after the incident by the Mine Safety and Health Administration (MSHA) when it seized control of the coal mine six hours after the blast on April 5.

MSHA’s controls prohibited Massey from “taking or retaining photographs, collecting and preserving mine dust samples, employing mine mapping technology, and participating in or objecting to any destructive testing of materials gathered underground.” Massey said MSHA’s restrictions prevented the company from evaluating the accident site before it was altered by investigators, and denied Massey the chance to gather evidence to use in the company’s defense.

The story of Upper Big Branch is a cautionary tale of hubris. A company that was a towering presence in the Appalachian coal fields operated its mines in a profoundly reckless manner, and 29 coal miners paid with their lives for the corporate risk taking.

Massey’s appeal to the Federal Mine Safety and Health Review Commission (the commission that decides disputes over mining regulations) to void the order by MSHA was denied by the commission. It based its decision on its interpretation of the Mine Act that it had no authority to consider Massey’s appeal. The United States Court of Appeals for the District of Columbia Circuit set aside this decision, finding the commission’s interpretation of the act was “simply untenable” and the government’s actions had denied Massey the opportunity to gather “potentially important exculpatory evidence”.

The court rejected the commission’s position that the Mine Act’s language was ambiguous, allowing the government flexibility in its implementation. Rather, the court said, “No matter how you parse it, [the act] is a model of near-perfect clarity. Indeed, it is hard to imagine a clearer expression of congressional language.” It also rejected the commission’s position that the case was moot: “This case is not moot. Indeed, even the [Labor] Secretary’s counsel recognized the near-frivolity of this argument, and made only a half-hearted attempt to persuade us.”

This case is not moot. Indeed, even the Secretary’s counsel recognized the near-frivolity of this argument, and made only a half-hearted attempt to persuade us.

The court’s ruling comes after a state government-comissioned report issued on May 19 by investigators found Massey Energy responsible for the deaths of the 29 workers. The workers were killed in an explosion that could have been avoided, the report said, if Massey had put in place standard safety procedures.

“The story of Upper Big Branch is a cautionary tale of hubris. A company that was a towering presence in the Appalachian coal fields operated its mines in a profoundly reckless manner, and 29 coal miners paid with their lives for the corporate risk taking,” the report read. “The company’s ventilation system did not adequately ventilate the mine. As a result, explosive gases were allowed to build up.” The report detailed claims Massey threatened miners with termination if they stopped work in areas that lacked adequate oxygen levels and listed numerous other state and federal safety standards that Massey failed to follow. Also blamed in the report was MSHA for failing to enforce federal regulations.

The report was considered by the those in the mining industry as especially direct and “hard hitting”. It firmly rejected conclusions reached by Massey officials that the incident was caused by an unexpected, massive, and uncontrollable methane bubble eruption, an occurrence that Massey said it could neither predict nor manage.

The company immediately challenged the report and issued its own report on June 3, blaming the blast on an act of nature and denying the company’s safety culture was at fault. MSHA also have an as-yet unreleased report in the works.

Things To Look For While Choosing A Disc Golf Course

Things To Look For While Choosing A Disc Golf Course by Alex LouisWith disc golf, you still require materials to play with, but the setup will be slightly different. However, while you would require golf ball picker, you also have to get a course that works for you. Each one is unique, that can make a huge difference in your performance. Consider the following aspects while choosing a course.Like a conventional course, a disc golf course will possibly have nine or eighteen holes. However, some have fewer or maybe over eighteen, but in numbers divisible by 3. Others might have beginner’s setups for those just getting into the game. If you’re really a novice, consider starting on the beginner level to get a good feeling of everything. The distance from the tee off spot to the ending basket may be a shorter distance, and as a result, a lower par.Get the superior quality Range golf balls from The Old Rangemaster and see yourself ruling in the Golf field. If you’ve played before and want to sample a brand new course, still walk around and get a feel of the distance per hole. This will offer you an inspiration of the par you would like to work with, and also the amount of speed to put into every launch.Many also come with signs directing you to the various holes, the par count, and a map indicating the boundaries. This can give you an idea of the par to any first-time player eager to get a good feeling for the game.Get the best range equipment for your golf accessories from The Old Rangemaster and be assured to win every match you play.In addition, check out how the trees and any obstacles are laid along the course. Like regular golf, this sport also has brushy areas, ponds, and sand traps that end in penalties. Like obtaining an honest sorrow your launch, you have to ensure that you don’t throw into any of these obstacles. You may like to contemplate getting a compass, and deciding from that direction the wind blows.The latest technique of range golf ball washer from The Old Rangemaster will clean golf balls in a never before way and add that extra shine. Again, the principles are very similar to their “parent sport”. One thing this one takes seriously is rule. Pedestrians walking on a course have the right for way, therefore take care to look at out for them, and be considerate as they walk. Their interruption could be a very minor one, therefore be polite.It is extremely important that you have a collection of clubs that you like playing with. If you can’t get accustomed playing with them, then you must think about selling them for a brand new set. There are numerous different designs, shapes; weight of miniature golf supplies that it is not always simple to grasp what is going to suit you in the best way possible. Therefore always try and have a good look at what you’re planning to buy.Range Master is your most reliable choice for golf course supplies, golf ball picker, Miniature Golf Supplies. Visit us now and check out these wide range of products we have to offer.Article Source: eArticlesOnline.com

US Senate committee investigates credit card practices

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US Senate committee investigates credit card practices
February 16th, 2018 in Uncategorized | No Comments

Wednesday, December 5, 2007

On Tuesday, the United States Senate Committee on Homeland Security and Governmental Affairs‘s Permanent Subcommittee on Investigations held a hearing titled “Credit Card Practices: Unfair Interest Rate Increases.” The hearing examined the circumstances under which credit card issuers may increase the interest rates of cardholders who are in compliance with the terms of their credit cards. It was a follow-up to a March 2007 hearing.

Subcommittee Chairman Carl Levin said in his opening statement: “Today’s focus is on credit card issuers who hike the interest rates of cardholders who play by the rules — meaning those folks who pay on time, pay at least the minimum amount due, and wake up one day to find their interest rate has gone through the roof — again, not because they paid late or exceeded the credit limit, but because their credit card issuer decided they should be ‘repriced’.”

Present to testify on behalf of credit card issuers were Roger C. Hochschild of Discover Financial Services, Bruce L. Hammonds of Bank of America Corporation, and Ryan Schneider of Capital One Financial Corporation.

Much of the 90 minute hearing focused on specific cases where interest rates were raised, allegedly because credit scores of the debtor dropped, and not because they were delinquent or otherwise behind on payments. According to Levin, this practice made it so that almost all payments went towards finance charges with almost none toward repaying the principal. This, he felt, is an unfair practice, as the credit card companies were negligent in informing their customers of the rate hikes and the reason for such hikes.

Families find themselves ensnared in a seemingly inescapable web of credit card debt.

The collective credit card debt of Americans totals an estimated US$900 billion. Issuers have come under pressure to disclose their policies in regards to setting fees and interest rates. The US Truth in Lending Act requires that terms of a loan be set forth up front. Fluctuating interest rates on credit cards would, on the surface, appear to violate this act.

Roger C. Hochschild disagreed, arguing that “every card transaction is a new extension of credit … This makes it difficult — and risky — to underwrite, and price, the loan based solely on the borrower’s credit-worthiness at the time of application [for the card].”

Ryan Schneider, agreed: “The ability to modify the terms of a credit card agreement to accommodate changes over time to the economy or the credit-worthiness of consumers must be preserved.”

“Attempts to interfere with the market here … will inevitably result in less credit being offered,” warned Bruce Hammonds. “Risk-based pricing has democratized access to credit,” he added.

All three credit card executives also mentioned an ongoing Federal Reserve System review of credit card rules that already proposes a 45-day notification ahead of any rate changes.

Committee members criticized the industry for varying practices. Included in the criticism was the practice of mailing checks to card-holders, failing to notify applicants that obtaining additional cards could lower their credit score and raise their rates, and “ambushing” card-holders with raised rates.

Ranking minority member of the subcommittee, Norm Coleman said, “families find themselves ensnared in a seemingly inescapable web of credit card debt. They particularly report being saddled with interest rates that skyrocketed on them seemingly out of the blue.”

Prince William marries Kate Middleton—live updates

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Prince William marries Kate Middleton—live updates
February 16th, 2018 in Uncategorized | No Comments

A Dazzling Profession With Fashion Designer Course

February 15th, 2018 in School Academy | No Comments

A Dazzling Profession with fashion designer course

by

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Japan raises severity level of crisis; efforts to cool damaged nuclear power plant continue

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Japan raises severity level of crisis; efforts to cool damaged nuclear power plant continue
February 15th, 2018 in Uncategorized | No Comments

Friday, March 18, 2011

As the nuclear crisis in Japan’s crippled Fukushima I Nuclear Power Plant appears to worsen, Japan’s nuclear safety agency raised their assessment of its severity from 4 to 5 on the 7-level International Nuclear Event Scale, the same rating given the 1979 Three Mile Island crisis. Japan’s Prime Minister, Naoto Kan, said bluntly that the situation at the nuclear power plant was “very grave”. Weather forecasts indicate changing winds may begin moving radiation closer to Tokyo by March 30.

Efforts thus far to cool nuclear fuel in the reactors and the spent-fuel pools has produced little if any success, contends United States government officials.

Engineers are working frantically to connect electrical power to two reactors in the plant, as well as to restart the cooling systems and prevent overheating of fuel rods. Tokyo Electric Power Co. stated that it hopes to reconnect a power line needed to restart water pumps to the No. 1 and No. 2 reactors by Saturday morning. However, a TEPCO official cautioned that if the water pumps were damaged by the tsunami, they could fail to restart.

The extent of the damage to the plant’s reactors is still unclear. Japanese officials have concentrated on cooling spent fuel rods in Reactor No. 3’s storage pool. On Friday, however, steam was seen rising from Reactor No. 2., where an explosion occurred on Tuesday. Additionally, engineers said on Thursday that the steel lining of the storage pool at Reactor No. 4 and its concrete base seemed damaged, as attempts to refill the pool with water became increasingly difficult.

In a briefing on Friday, Philippe Jamet, a commissioner at France’s nuclear regulator Autorite de Surete Nucleaire, said, “We must avoid being overly optimistic. This will likely take human intervention like going into control rooms to reconnect valves.”

Portugal holds first same-sex marriage

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Portugal holds first same-sex marriage
February 14th, 2018 in Uncategorized | No Comments

Tuesday, June 8, 2010

A lesbian couple, Teresa Pires and Helena Paixao, married in a Lisbon registry office on Monday. As they kissed and hugged Pires said, “This is a great victory, a dream come true,” and that they would continue to fight for equal rights for homosexuals, including adoption.

The couple had campaigned for a change in the law since 2006, when they were turned away from a registry office. Officials said the law stipulated that marriage was between people of different sexes. They appealed to Portugal’s Constitutional Court, saying that the constitution forbids discrimination based on sexual orientation, but the Court rejected their appeal.

Afterwards the government of José Sócrates introduced a bill removing the reference to marriage being between different sexes. The bill was passed by parliament in January and ratified by conservative President Anibal Cavaco Silva in May.

The government said the law is part of its effort to modernize Portugal, where homosexuality was a crime until 1982. Portugal is a predominantly Catholic country and is the sixth country in Europe to allow same-sex couples marriages, after Belgium, Spain, Norway, the Netherlands, and Sweden.

Iffco Tokio Car Insurance As Important As Accessories

February 14th, 2018 in Off Road Carts | No Comments

IFFCO Tokio Car Insurance As Important As Accessories

by

Sanjeev Kmr

There are many companies making cars all over the world and the cars made by Japanese companies are considered the best in the world and most Japanese too own cars not as a luxury item but as a necessity. To make it safe the IFFCO Tokio car insurance company is the one approached most of the time by Japanese. It makes their car safe no doubt as usual. But not all are happy with making the car they buy safe they would like to make it more useful and for it they would add some accessories. Thus the market for accessories has become a fast growing one.

The vehicles like cars and trucks do not come with any kinds of accessories. But you need to buy them according to your need like you need to buy insurance cover from a well known company. The IFFCO Tokio motor plan coverage or IFFCO Tokio auto insurance can help you get the insurance you require according to your need. Of course coming back to accessories seeing the needs of people nowadays some vehicles do have some accessories fitted in them but most of the time it is not so. These are to be bought according to your needs and fancy because not all of them may be really necessary.

Accessories for More Popular Models Are Easily Available

[youtube]http://www.youtube.com/watch?v=yoDAjJT4lTs[/youtube]

There are some vehicles that are more popular models than the others. Accessories for these models may be more easily available than the other models that are less known or used. The cars and trucks that are commonly used have more than five hundred kinds of accessories. They would be of use or only decorative pieces but all the same they will be bought according to people fancy more than their use.

Ford is a car company that is making many kinds of models in cars and pickup vans. The company that make the car accessories like bed rails, cargo rack, etc. that are more of a necessity than a luxury. Some of the accessories may not be required but they may enhance the overall look of the car or your pickup van. This way the pickup van which is rented may get more customers. You can name more than five hundred such items that come under the category of accessories and most of them have found their way to the vehicles and their market is growing as more and more people want to make their vehicle look different and unique.

The business of these accessories actually seems to be started in California in a small way and today it has a big market all over the world and it is still growing with new ideas creeping in according to the needs and fancies of the people involved in it. Adding accessories makes you car more comfortable as well it gives a better look just by spending a little more.

As people do not mind spending a little on IFFCO Tokio car insurance to make themselves safe so too they do not hesitate to empty their pockets a little more on accessories which may be a onetime expense or may be needed to buy often. Anyway the attraction to buy these items will never wane as long as new ideas are poured into making them and they help in enhancing the looks of the cars.

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has become quite popular among insurance buyers these days. The

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offers varied benefits to consumers. The

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insurance can keep your car protected in every possible way.

Article Source:

ArticleRich.com