...SPECIAL REPORT I N T E R N AT I O N A L B A N K I N G May 19th 2012 Retail renaissance SPECIAL REPORT INTERNATIONAL BANKING Retail renaissance The internet and mobile phones are at long last turning boring old retail banking into an exciting industry, says Jonathan Rosenthal IF YOUR BANK could start over, this is what it would be, trumpeted the marketing campaign for the launch in 1999 of Wingspan, an internet bank. The following year the bank was gone. In September 2000, a few months after the dotcom bubble burst, it was absorbed by its boring American bricks-and-mortar parent, Bank One (now part of JPMorgan). For all the high hopes that the internet would transform banking, most other internet banks launched around that time met with a similar fate. Citi f/i, an online bank started by Citigroup, was folded back into its parent in 2000. NetBank, an American pioneer of internet banking, soldiered on for longer than most but was shut down by banking regulators in 2007. On the other side of the Atlantic, Egg, Britain’s rst stand-alone internet bank, shook the market in 1999-2000 when it gained more than 2m customers within months of starting up. But within a few years it, too, had in e ect disappeared, its customers having been sold rst to Citigroup and then to Barclays and the Yorkshire Building Society. It was an ignominious end to a bold experiment in online banking that had caused palms to sweat in banking centres around the world. The promise of internet banking...
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...brewing industry Mike Blee and Richard W h i t t i n g t o n ~" s case • Western •:-petitive 5 zausing i-z -.—.nth closures is centred Europe pressure on the European and examines of operating through brewing industry increasingly markets alliances in the how the within global consolidation within acquisitions, This has resulted the industry. reliance of the brewers' upon super-brands. - :~e e a r l y y e a r s of t h e 21st c e n t u r y , E u r o p e a n b r e w e r s ^ : e d a s u r p r i s i n g p a r a d o x . The t r a d i t i o n a l c e n t r e of t h e -=-.-.' i n d u s t r y w o r l d w i d e a n d h o m e to t h e w o r l d ' s l a r g e s t : - = w i n g c o m p a n i e s , E u r o p e , w a s t u r n i n g off b e e r . B e e r : : " s u m p t i o n w a s falling in the largest m a r k e t s of G e r m a n y = r d t h e U n i t e d K i n g d o m , w h i l e b u r g e o n i n g in e m e r g i n g ~ a ~ k e t s a r o u n d t h e w o r l d . In 2008, E u r o p e ' s _ largest a ~ k e t , G e r m a n y , r a n k e d o n l y 5 t h in t h e w o r l d , b e h i n d ~ • ria, t h e U n i t e d S t a t e s , B r a z i l a n d R u s s i a . C h i n a , w i t h I'—, a n n u a l g r o w t h b e t w e e n 2003 and 2008, h a d b e c o m e " r . a r g e s t s i n g l e m a r k e t by v o l u m e , a l o n e a c c o u n t i n g : - 2 3 % of w o r l d c o n s u m p t i o n [ E u r o m o n i t o r , 2010]. T a b l e 1 d e t a i l s t...
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...brewing industry Mike Blee and Richard W h i t t i n g t o n ~" s case • Western •:-petitive 5 zausing i-z -.—.nth closures is centred Europe pressure on the European and examines of operating through brewing industry increasingly markets alliances in the how the within global consolidation within acquisitions, This has resulted the industry. reliance of the brewers' upon super-brands. - :~e e a r l y y e a r s of t h e 21st c e n t u r y , E u r o p e a n b r e w e r s ^ : e d a s u r p r i s i n g p a r a d o x . The t r a d i t i o n a l c e n t r e of t h e -=-.-.' i n d u s t r y w o r l d w i d e a n d h o m e to t h e w o r l d ' s l a r g e s t : - = w i n g c o m p a n i e s , E u r o p e , w a s t u r n i n g off b e e r . B e e r : : " s u m p t i o n w a s falling in the largest m a r k e t s of G e r m a n y = r d t h e U n i t e d K i n g d o m , w h i l e b u r g e o n i n g in e m e r g i n g ~ a ~ k e t s a r o u n d t h e w o r l d . In 2008, E u r o p e ' s _ largest a ~ k e t , G e r m a n y , r a n k e d o n l y 5 t h in t h e w o r l d , b e h i n d ~ • ria, t h e U n i t e d S t a t e s , B r a z i l a n d R u s s i a . C h i n a , w i t h I'—, a n n u a l g r o w t h b e t w e e n 2003 and 2008, h a d b e c o m e " r . a r g e s t s i n g l e m a r k e t by v o l u m e , a l o n e a c c o u n t i n g : - 2 3 % of w o r l d c o n s u m p t i o n [ E u r o m o n i t o r , 2010]. T a b l e 1 d e t a i l s t...
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...T A N Y A B A R R IE N T O S S e H a b la E s a ñ o l p - Sh . o u ld ıg o in t o M it a g a in ? S h o u ld o to I a d d th e th e e n d h u m o f m b le lit t le s e n te n c e y la u g h to I u s u a lly le t h im G u n ce ? a t ta c h k n ow th a t o f ( . . T h is w ill b e t h e s ix t h t im e I . e s ig n N e w G e n e ra t io n o n S ex c o u r s e I s e e t h e ir o n y in t h e s it u a t io n ? ' o 1R ı e x p la in th e w a y I h a v e t o h a lf a d o z e n o t h e r s t h a t I a m , t e m a la n b y b ir t h b u t u r a p g r in g a b y c ir c u m s t a D E M . Sa ss a o Į a t ín a s D is b ] il C iı u r ıl m h ı t i. n r d e d u p to te a m , = i = ££X m ¥ X ? i tiv e t e n s e w ill İ i n a lly t a k e r o o t in m y m In c la s s s p e a k e r, ' h w I , w ill s it a c r o s s a ta b le fr o m ' o w on t ' o k o b s id ia n , I ll ey e s w a n t to . p re has (b u t n e v e r d o say ' te n d I p in ・ m a k ) heeke c " th e e n r o lle d b u t , - A n m h a ith w a a t e llin w it h m h , b lu e t N th e d à e ye d t OL 5 1 eo m n m P e r s o n a a n n w 群 , M o n ...
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...WORDSEARCH-COUNTRIES AND THEIR CAPITALS M-Z L K V E A Y X I Q U J U W Q P I T P P Y O N G Y A N G Y U M O A X H Z M Q U K R V H E U P Q D E W A Z X C H N Q F D N A L I A H T I I U P F V S S C C E S Y H U Q H C H R T J O Q T T K I C S Y U S D Z Y D O T V I F Z R T O E I F O H D A T E G K J F V Z F G G D T F B E I G N D I T U D R W S T C B N U T I L X H I I Z E J D T H W K C E Z Y U J Y X V Z B V L R S A S O G N I H E L A M A P B O N R K I C H W I F B K I O Z X G Y S H U U I M H A L C V U V A K K R Y N T A L A J F D M O W O B S G E C B X K F S E V I D L A M N S A S K M H T I M O R L E S T E P Y E H M J A S M W Y Z A M Q I S I I Q N B W O Q O M U S M M S J E P L N S T I Z M K P N A L T S P J B C F X M D E O B M A M R U V J A M E Y T I A R A K N A W N V W X W E Q I O E S K D C M J R T E A O N M T J I T L B H U A Q K T X G O K Y V N K K F H S D A A N A S H K O G N L K N G H H A L L A M A R N N S A E C N Z E B H L A B V E U Z R H I U F L R X A L J G K N K T Q R L I C D B I M B P F B I D C X S L O S F L L L C S P Y T G Y M P V O O F O C A Q U Y P I N K Z A N A P X S I Z N V S U O K E Z M S H P T S Z O J R L K F R D T K M A F E T A C G R U U S R H E K K B Z V Q V I A U S V I Y E M E N I T S E L A P P Y M L I G H H H O U Z E D P H H S H I F E R N R N A U L A A N B A A T A R R I U K E K R A P S M Y E S T N K F Z T F R K M H I Z Z J Y A I B A R A I D U A S J R Y I R J N H A D D X B F D R O J W F I L X L L Y K B L P J H Y U N W V R E K U T Y A E A A Z F...
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...TECHNOLOGY TOOLS PUZZLE A S V I V J W G D K Y O X J Q H N J K X F Z R Y V A S C E T R H S C U L R F V P V H J V Q K O Y P S G G S U Y E O N E O I P O S S W M F S C O D E L G O O G K G G P Q Q G Z F Y C V X Z U R X J T T A I I Y B Q I N S Q S N P S J A A V T Y E F Q Y L C I Z G A O L P B S L E S S S X D U S K L E W W B Z B X E K B Q C L N N T O E A H K P W P G B X C K A K D A G C L Q B Y K I N K T K F V D M Q V R S Q X M A H A S M C R K I J Q O T U J M W C A I J V I C F Y A X F P A B I R S Z E Z S O Q P M B G W Q U L C K C X V L U V M D H A D V W U M S C K H O P E N S O U R C E S O F T W A R E U V L U Y R C M U V L X Y H S G N W I V D I E R S I R R T Z M I T T H Q U Z I S L L X S H Q R U G C A J V P C P M A E Z B Z N S R Q B B T K S K E O V O R D N T O Q R C W V R B K Q R K Z H W Q B Y S R H D T A V Y Q B A G H E S Q F G P Q N V J S J I B K I O A C D S Y J G Y Q N L T A U C A E L I J W D T U K C K Q W G L S P R S V D N F S P D A Z H T B Y E L T L Y N Q X W L D U U C E S A U Y Z S N S R M B N F Z R R M D P U P M R N T K E M M B E Y D E S S H Z S C I A V X B X F W N A P Q P T U E Q R X V W O M H D E A J C N S I S N N W H I I H X D E E G I J O R V U L F Z E G N P E U X Y Z E G B Y Y P Q Q X V Z B O K F S J D G R T H M L Y L G K I N N S O B Y N W N P O V N E L S Q A W Y S U G F W H D Q R W O F R O B T Y O O X F N H T I H C O Q M K C V W P R Z B N B X K L O F R E L L L N I Q Q X O Z M T C I Z E N J D D Q I Q R D P S E T T E P G Y L...
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...11/16/13 Mkt1 Marketing Plan k o pn G3Y aMa en P n C m ay - er r tg l ki a A ss et oeMK 1 eneA a , I 261 s s nC d: T Jnir m t SD 429 em f o T l f ot t b oC n n ae es Irdco ..................................... noutn..................................... t i .................................... 3 .................................... Mii Sa m n.................................. 3 so te et.................................. sn t .................................. .................................. Ma eO j te ................................... r t b cvs.................................. k e i .................................. .................................. 3 a eMa e...................................3 Tr t r t................................... g k ................................... .................................. Pout b cv .................................. rdcO j te.................................. e i ................................. 3 ................................. Pi O j te................................... re b cv...................................3 c e i ................................... .................................. P c O j te................................... l e b cv ................................... a e i .................................. 3 .................................. Po oo O j te................................ 3 rm tn b cv ................................. i e i ................................ ................................ C...
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...IN COMMUNICATING REALITY* REALITY, WE CONSTRUCT RUTH D. H I N E S Macquarie University, N.S. W., Australia At first I saw Don Juan simply as a rather peculiar man who knew a great deal.., but the people.., believed that he had some sort of "secret knowledge", that he was a "brujo". The Spanish word brujo means, in English... sorcerer. It connotes essentially a person who has extraordinary.., powers. I had known Don Juan for a whole year before he took me into his confidence. One day he explained that he possessed a certain knowledge that he had learned from a teacher, a "benefactor" as he called him, who had directed him in a kind of apprenticeship. Don Juan had, in turn, chosen me to serve as his apprentice, but he warned me that I would have to make a very deep commitment and that the training was long and arduous... My field notes disclose the subjective version of what I perceived while undergoing the experience. That version is presented h e r e . . . My field notes also reveal the content of Don Juan's system of beliefs. I have condensed long pages of questions and answers between Don Juan and myself in order to avoid reproducing the repetitiveness of conversation... (The Teachings ofDonJuan~.A Yaqui Way of Knowledge, Carlos Castaneda, 1970, pp. 14, 24, 25). We stood together, looking down into the valley below...t "What do you see before you?" said the Master. "Well, in the valley, I see buildings of various kinds, spread over a large area, and surrounded...
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...rekommendationerna i instruktionsboken, den tekniska specifikationen eller installationsanvisningarna för ELEKTRO HELIOS SN400-3. Du hittar svar på alla dina frågor i ELEKTRO HELIOS SN400-3 instruktionsbok (information, specifikationer, säkerhetsanvisningar, tillbehör etc). Detaljerade användarinstruktioner finns i bruksanvisningen Instruktionsbok ELEKTRO HELIOS SN400-3 Manual ELEKTRO HELIOS SN400-3 Bruksanvisning ELEKTRO HELIOS SN400-3 Användarguide ELEKTRO HELIOS SN400-3 Bruksanvisningar ELEKTRO HELIOS SN400-3 Din manual ELEKTRO HELIOS SN400-3 Utdrag ur manual: .anrottalp dem ralk rä ud närröf nengu va etni nnärB .sagnåröf t eld emsgninsöl va retser rän salk cevtu so hco kör ttäL .adaks llit re mmok n egni tta ås tkisppu rednu n esips röfräd llåH .t eh tekc y m rilb nattalP .r etuni m m ef .xa m i tkeffe atsgöh åp tegat i attalp ne ppu mräV .gnindnävna eröf anrottalp ratt ehppu ud mo erttäb retsäf mos ,lede msdd ykstsor tt e de m ednaldnahebröf rä anrottalP ~åêçíí~äé=~ííÉÜéér åÉêÜÉÄääáí=êÖåÉo .trrot akrot hco jlökS .lede mksid -dnah hco nettav tmrav i . m. m annapgnål ,tålp aksiD T .ecivr es atkatnok ,aregnuf ratuls ed mO .dgnälsvil gnål tlamron rah hco p ytep malmilg va rä anrop mallortno K ~åêçéã~ääçêíåçh 1a llit derV dervtatso mreT apmallortno K apmallortno K . mrav tekc ym rilb nesipS !tkisppu rednu nrab llåH åÉåÖì=î~=åå®ê_ åÉÖåáåíëìêíìëíÉÜêÉâ®p 1 . trrot akroT .lede mksiddnah hco nettav t mrav d em rag ets h co ak cul ,ngu va akroT .tröhppu gnilkcevtukör h co tkul rän n engu va...
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...AT L E WH T SP A E A I L T? Paei as r h n a pi t nta po ie afra l e t go t pin fr td ns lt s mat o e p l ai h t rv s f d be ai u o t s o su e t p c o d o n o su y gwti A c ln . h a pw s ee p db a e m o su e t f m te n es y td i i n u k d T e p a d vl e y ta f td ns r h U i ri n h a o o v t o A cl dfrh b n fi o te flwsu e t o yT e h v i ni dta e t go ts f u k n o te e e t fh i eo td n b d. h y aed t e h t ai u i a r l e fi n n w b c mi al uya dta teei ten e fr nit t et po i su e t wt o eo n g u r n h th r s h ed o a n i i o rv e td ns i x i v a d h c e p r pi sWi te oasu e t o u t na po c i 1 0 0 i A cl dC D te h a e o t n . t h ttltd n p p l i p ra h g 0 , 0n u k n B , o h ao n 0 a h Pae e m h v b e w ri h r t po i muu le e t –b po in c e p r pi s l T a ae en ok g ad o rv e tab n fis y rv i h a e o t n t n d dg o fr td ns n s l n o s i ra i c so r ura h o p r e soe. o su e t a d i t e u l n e s g u tme o t c fr at r trs mu a y c n e n WH T SP A ET YN T D A I L T R I G O O? T eut t g a o tePaeT a i t ce t ap t r ta wl n ueta eey n ’ h lmae o l fh lt e m s o rae l f m h t ie s r h t vro e i ao l s p tsaeflAto g avr a i u g a te h p t tr ti de m i oarat b l e r u. l u h ey mb i s o l h y o e o un h ra n a l h t o , s t el y i y d in te g a i os otme i a dl gtr g a .ntes otu ,h yh p t id g h i o l n h r vi r s t , d m, n o em o l I h h rrn te o e o u n s mae ue h t td ns r n t o g dd w b te n n i b...
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...f o n o i t u b i r t s i d e h t r o f s e g n a r - r e b m u n : s i s r i a p e r n e e w t e b e m i t r o f n o i t u b i r t s i d y t i l i b a b o r p e h t , e r n e h t ; ) s k e e w n i ( n w o d k a e r b e n i h c a m n e e w t e b e m i t e h t e t o . k o o b t x e t e h t n i n e v i g ” m e t s y S e c n a n e t n i a M d n a n e n i h c a M f o n o i t a l u m i S “ e l p m a x e e h t o t r a l i m i s y r e v s i n o i t u l o s f o d o 0≤ t ≤6 t h g u o r h t d e t a l u c l a c e b n a c r o f n o i t c n u f y t i s n e d y t i l i b a b o r p e . n e d t t w o d k a h t e m ...
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...and Free Markets Are the Best Answer is Today's Economy S T E V E FORBES and E L I Z A B E T H A M E S HOW CAPITALISM WILL SAVE US HOW CAPITALISM WILL SAVE US W h y Free People and Free Markets A r e t h e Best A n s w e r i n Today's E c o n o m y Steve Forbes AND ELIZABETH AMES CROWN BUSINESS ALSO BY STEVE FORBES Power Ambition Glory (coauthored with John Prevas) Flat Tax Revolution A New Birth of Freedom To the millions of individuals whose energy, innovation, and resilience built the Real World economy. Their enterprise, when unleashed, is always the answer. Copyright © 2009 by Steve Forbes and Elizabeth Ames All rights reserved. Published in the United States by Crown Business, an imprint of the Crown Publishing Group, a division of Random House, Inc., New York. www.crownpublishing.com CROWN BUSINESS is a trademark and CROWN and the Rising Sun colophon are registered trademarks of Random House, Inc. Library of Congress Cataloging-in-Publication Data Forbes, Steve, 1947How capitalism will save us / Steve Forbes and Elizabeth Ames.—1st ed. p. cm. Includes index. 1. Capitalism—United States. 2. United States—Economic policy. 3. United States—Economic conditions. I. Ames, Elizabeth. II. Title. HB501.F646 2009 330.12'20973—dc22 2009032751 ISBN 978-0-307-46309-8 Printed in the United States of America DESIGN BY BARBARA S T U R M A N 1O 9 8 7 6 5 4 3 First Edition CONTENTS INTRODUCTION ...
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...Blackboard Security Assessment M. van Eekelen, R. Ben Moussa, E. Hubbers en R. Verdult Institute for Computing and Information Sciences Radboud University Nijmegen Technical Report ICIS-R13004, April 2013 Radboud University Nijmegen LaQuSo1 July 15, 20112 1 2 LaQuSo is a joint activity of Technische Universiteit Eindhoven and Radboud Universiteit Nijmegen published April 15, 2013, after a mutually agreed responsible non-disclosure period Contents I Advice in connection with the LaQuSo Blackboard SP5 Security Review Report 3 II Blackboard 9.1 SP5 Security Review Report 6 7 8 9 10 10 12 12 12 14 15 16 23 25 27 Management Summary 1 The task 2 The results 2.1 Successful attacks . . . . . . . . . . . . . . . . . . . . . . . 2.1.1 Cross site scripting . . . . . . . . . . . . . . . . . . 2.1.2 Secondary vulnerabilities . . . . . . . . . . . . . . 2.2 Attacks . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.2.1 Exploit 1: Session stealing . . . . . . . . . . . . . . 2.2.2 Exploit 2: Credential phishing . . . . . . . . . . . 2.2.3 Exploit 3: Improper access control (authorization) 2.3 Unsuccessful tests . . . . . . . . . . . . . . . . . . . . . . . 2.4 Test and production servers, patches and releases . . . . . 3 Security by design 4 Conclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....
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...| |JACQUELYNE T ANDERSON | | | | | | | | | |2278 7th Ave E | | | | |North Saint Paul, MN 55109 | | | | |(612) 963-4097 | | | | |jaytanderson9@yahoo.com | | | | | | | | | | | | | |O| | ...
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...Constraint Logic Programming in Prolog: Hanjie Puzzle Solver Lu´ Cleto and Jo˜o Marinheiro ıs a FEUP-PLOG, Turma 3MIEIC05, Group 23 {ei11077,ei11129}@fe.up.pt http://www.fe.up.pt Abstract. The purpose of this project was to use constraint logic programming in Prolog to implement a solver for the 2D puzzle, Hanjie. For this purpose we used the clp(FD) library provided by SICStus Prolog 4.2.3, specifically the sum/3 and automaton/3 combinatorial constraints. The program we developed is able to solve puzzles with dimensions up to 88x88, with only one possible solution, in less than one second. When there are multiple solutions, the execution time for the obtaining the first solution varies with the number of possible solutions. These results show that the execution time of the program is primarily affected by the amount of possible results. While larger grid dimensions do increase the execution time, the increase is linear if the number of possible solutions is maintained. On the other hand, increasing the number of possible solutions will lead to an exponential growth in execution time. 1 Introduction The goal of this project is to use constraint logic programming in Prolog to develop a logic program capable of solving a decision problem in the form of the 2D puzzle, Hanjie. This puzzle consists of a rectangular grid with ’clues’ on top of every column and to the left of every row that indicate the number and length of gray blocks in that column/row. To achieve this goal, first...
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