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Чешская добровольческая рота СС «Святой Вацлав» (, ) — чешское коллаборационистское военное подразделение СС, участвовавшее в заключительной части Второй мировой войны.

Краткая история
В начале марта 1945 года в Германии велись секретные переговоры о срочной мобилизации чешских и словацких добровольцев, которые должны были задержать наступление советских войск в Германии и Чехословакии. Инициативу о привлечении чехов и словаков в Вермахт и Ваффен-СС высказал Эммануэль Моравец, министр по делам молодёжи Протектората Богемии и Моравии, которого поддержала Чешская антибольшевистская лига и даже правительство Протектората. Идею также поддержали доктор Тойнер (чешский фашист, один из руководителей Министерства по делам молодёжи Протектората), доктор Викторин и немецкий консультант доктор Кранихе. По планам немцы собирались привлечь как минимум тысячу добровольцев.

Формирование началось 5 марта по приказу Карла-Германна Франка, лагерь для тренировок располагался в деревне Ухношт-Чеперце. Однако антивоенные настроения среди населения оккупированных земель были настолько высоки, что всего 50 человек пришло к 21 марта в лагерь. К концу апреля численность добровольческого отряда едва превышала 70 человек. Большая часть добровольцев состояла в полувоенных формированиях СС, куда они попали только благодаря хорошему знанию немецкого языка и якобы предоставленной чистокровной немецкой родословной. Командовать ротой был приглашён бригадефюрер СС Бернхард Фосс, обучение проводил поручик Бейвл. Эта рота была единственным чешским подразделением в СС, среди оружия у них были только устаревшие винтовки со штыками и один пулемёт. Униформа их была точно такой же, как и у правительственных войск Протектората Богемии и Моравии.

5 апреля кто-то из солдат попытался дезертировать, однако их побег обнаружили, а сбежавших расстреляли на месте. В ночь с 8 на 9 мая часть верных Рейху солдат разбежалась по лесам, однако была захвачена в плен советскими или американскими частями. Те, кто сумел прорваться на Запад, спаслись от судебного преследования, вступив во Французский Иностранный легион. Некоторые из них даже участвовали в Индокитайской войне (принимали участие в битве в «Долине глиняных кувшинов») и войне во Вьетнаме.

Ссылки
 SVATOVÁCLAVSKÁ DOBROVOLNICKÁ ROTA (SDR) — Freiwillige St. Wenzels-Rotte
 ZA PROTEKTORÁTU: Protektorátní kolaborantské a fašistické organizace 1939—1945

Иностранные добровольцы вермахта
Войска СС
Чешский коллаборационизм
Роты
Воинские части и формирования, созданные в 1945 году
Воинские части и формирования, расформированные в 1945 году

redpajama_set_name: RedPajamaWikipedia


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Q: True or False: If $f$ is differentiable at $a$ and $g$ is differentiable at $f(a)$, then $(g\circ f)''(a)=g'(f(a))f''(a)+g''(f(a))(f'(a))^2$ True of False: If $f$ is differentiable at $a$ and $g$ is differentiable at $f(a)$, then $(g\circ f)''(a)=g'(f(a))f''(a)+g''(f(a))(f'(a))^2$.
I wasn't sure if my interpretation of this problem was correct. Is this the Chain Rule twice differentiable at $a$? If so, then it is indeed true but I'm not sure how to get this proof started. Any suggestions would be greatly appreciated.
My book provides a proof for the regular chain rule but attempting to follow along that and adjust the details to fit this question wasn't working out.

A: This is true as long as both $f$ and $g$ are atleast twice differentiable, use the $\color{red}{\mbox{Chain Rule}}$ twice and the $\color{blue}{\mbox{Product rule}}$.
$$ ((f \circ g)(a))^{\prime\prime} =  \left( g(f(a)) \right)^{\prime\prime} = \left( \color{red}{ g^{\prime}(f(a))f^{\prime}(a) } \right)^{\prime} $$
Then apply the Product Rule on $$\color{maroon}{ g^{\prime}(f(a))}\color{OrangeRed}{f^{\prime}(a)} $$ and then the Chain Rule on $$ \color{red}{ g^{\prime}(f(a))}f^{\prime}(a)  \;\mbox{  then again on } \; \color{maroon}{ g^{\prime}(f(a))} $$.
$$ \big(\color{maroon}{ g^{\prime}(f(a))}\color{OrangeRed}{f^{\prime}(a)} \big)^{\prime} = \color{maroon}{ g^{\prime\prime}(f(a))f^{\prime}}\color{OrangeRed}{f^{\prime}(a)}   \color{blue}{ + } \color{maroon}{ g^{\prime}(f(a))}\color{OrangeRed}{f^{\prime\prime}}  = g^{\prime\prime}(f(a))(f^{\prime}(a))^2 + g^{\prime}(f(a))f^{\prime\prime} $$

redpajama_set_name: RedPajamaStackExchange


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Q: nopcommerce 3.5 database connection string (settings.txt missing) I have installed nopCommerce 3.5 on visual studio 2010 but after a successful configuration i could not find any database connection string file which should be under Nop.Web/App_Data/Settings.txt. so there is no Settings.txt file in my project at all and I am using MSSql 2012, Database has been created as expected including sample data. so where is my database connection string please?
Thanks for your time and help

A: Just create a file called "Settings.txt" in App_Data and copy the following 2 lines in it. You need to modify the connection string to suit your environment. I have replaced my details with capitals.
DataProvider: sqlserver
DataConnectionString: Data Source=SERVER_NAME\DB_INSTANCE;Initial Catalog=YOUR_DB_NAME;Integrated Security=True;User ID=USERNAME;Password=PASSWORD;MultipleActiveResultSets=True

refer this post : http://www.nopcommerce.com/boards/t/34563/where-is-database-connection-string-settingstxt-on-nopcommerce35.aspx

A: Its actually there, I had the same issue just now after installing 3.5 and wanting to point it at an existing db, but not being able to find settings.txt and wondering if it had been moved to web.config or something more usual.
What you need to do is highlight presentation > nop.web > App_Data and then click show all files in the solution explorer. there you will see Setting.txt . Right click it and select include in project and you are good to go.


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Entre ennemis (Unter Feinden) est un téléfilm allemand, réalisé par Lars Becker, et diffusé et diffusé en France le  sur Arte.

Synopsis

Fiche technique
 Titre original : Unter Feinden
 Réalisation : Lars Becker, d'après le roman de Georg Oswald
 Scénario : Lars Becker
 Images : Andreas Zickgraf
 Musique : Stefan Wulff et Hinrich Dageför
 Durée : 90 minutes

Distribution
 Nicholas Ofczarek : Mario Diller
 Birgit Minichmayr : Maren Diller
 Fritz Karl : Erich Kessel
 Melika Foroutan : Didem Osmanoglu
 Merab Ninidze : Idris Maher
 Halima Ilter : Layla Sharif
 Tedros Teclebrhan : Gani Kartal
 Bernd Stegemann : Dino März
 Olgu Caglar : Amir Aslan
 Ulas Kilic : Ergün Aslan
 Meral Perin : Aygün Aslan
 Henry Stange : Luca Diller
 Fahri Yardim : Ali Younes
 Kida Khodr Ramadan : Walid Schukri
 Tristan Seith : Dragoslav
 Stephan Schad : Lucius von Kern

Liens externes

Téléfilm diffusé en 2013
Téléfilm allemand des années 2010


This document will help commissioners and local health communities improve the quality and value of care for Cholecystectomy patients. This document has beeen amended to include: no routine need for gall bladder routine histopathology, no routine need for on-the-table cholangiography and conversion rates.
they are against best practice and provides a set of solutions and templates to support implementation.


text:
Mudžmel (sažet), prema tefsirskoj podjeli ajeta ajeti, koji u sebi sadrži neku riječ sažetog ili teškog značenja. Pojašnjavaju ih mubejjin ajeti.

Izvori

Islam


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Contact Streetsblog SF
Streetsblog San Francisco Editorial Independence Policy
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Supervisor's Comparison of Car-Free JFK to Jim Crow is "Offensive"
By Roger Rudick
If motorists want to access GGP's museums, they can use MLK Drive, named after the man on the left in this photo from 1955 of the Montgomery bus boycott. Or, of course, they can leave the car at home and take the 44 O'Shaugnessy, which runs directly between the museums and Walton's district. Photo: King Institute/Stanford
At the San Francisco County Transportation Authority Tuesday, Supervisor Shamann Walton once again referred to car-free JFK as segregationist. Specifically, he said it "…looks like the 1950s south."
No it does not, as was quickly pointed out on social media, here by journalist Walter Thompson:
I wish my grandparents were alive to talk to @shamannwalton about racism in the 1950s and help him get his mind right because this is offensive https://t.co/rHF3j592ji
— Walter Thompson (@YourProtagonist) May 11, 2021
Car-free JFK is about taking a portion of the park that was used as a freeway and making it part of, well, a park. To be clear, this is what car-free JFK looks like:
Image: Car-Free JFK's twitter
And this is what the segregationist south looked like:
Everything, including movie theaters as seen here, was actually segregated by race in the south in the Jim Crow era. Photo from Wikimedia Commons.
Walton's argument is that if JFK is closed to cars, some parking spots will be lost, and his constituents won't be able to reach the park. But as advocates have made clear, "Even with Car Free JFK, there are estimated to be between 2,500-3,000 free car parking spots on the streets of Golden Gate Park. This doesn't include Fulton & Lincoln Avenues that also offer free street parking for 6 days, 22 hours per week (This parking is not available during street cleaning once per week). Additionally, there is an 800 spot garage below the De Young and Cal Academy Museums. This garage can be accessed from Fulton @ 10th ave. Or from Lincoln->MLK->Music Concourse if you are arriving from the south side."
And what about taking public transportation? In Walton's HereSay interview, he claimed the bus takes an intolerable "…couple of hours to get from the southeast sector of San Francisco to Golden Gate Park."
But Muni's 44-O'Shaughnessy bus, which runs every 12 minutes, does a loop around the Bayview, and then heads directly to the museums in Golden Gate Park. It takes 50 minutes.
A screenshot from SFMTA's live map of the bus between the Bayview and the Golden Gate Park museums. Image: SFMTA
Indeed, 50 minutes is still too slow. Streetsblog hopes Walton will join us in advocating to give that bus its own lane and signal preemption so it can make the trip faster.
Meanwhile, Streetsblog has been waiting for two months for Walton to explain why car-free JFK is an issue, but closing part of Shelley Drive in McLaren Park isn't segregationist. So far the only answer from Walton was: "I will look more into this."
David Miles, aka the Godfather of Skating, a longtime Golden Gate Park advocate and founder of the Church of 8 Wheels, put it this way in an editorial for the San Francisco Examiner responding to Walton's assertions:
I was in Golden Gate Park this weekend with my family and after a year of hell, I felt a twinge of normalcy and joy. And then I remembered — right now there is a group of highly skilled professional lobbyists working backroom deals with city politicians to kill this amazing beautiful refuge in The City.
"Gaslighting" is a form of psychological abuse where a person or group makes someone question their sanity, perception of reality, or memories. These are the tactics being used by Supervisor Shamann Walton as he posts his opinion "Closing JFK Drive in Recreational Redlining.'
I don't know why Shamann Walton wrote this op ed, or if he is working with San Francisco museums on their 42-year quest to keep John F. Kennedy Drive unsafe for kids. But he is certainly helping them achieve their goals.
As Thompson and Miles suggest, Walton either has no idea what actually happened in the American South or he's willing to exploit the memory of the thousands of people who gave their lives fighting Jim Crow to satisfy some political aim (or the aims of his benefactors). He needs to stop.
Filed Under: Bicycle Infrastructure, Bicycling, Pedestrian Safety, Promoted
Automakers Compare Drivers to 'Predators'
Notes from Medellín: Infrastructure Reduces Violence?
New State Rule Would Force Suburbs to Legalize Thousands of New Apartments Near T Stops
Call to Action: Comment on Ashby/I-80 Widening
Pro-Car Supes Go Full Nonsense on Car-Free JFK
By Roger Rudick	| Mar 24, 2021
Supervisors Shamman Walton, Ahsha Safaí, and Connie Chan call closing JFK drive in Golden Gate Park to automobiles "segregationist."
This post is supported by GJEL Accident Attorneys
What About Shelley Drive in McLaren Park?
All eyes are focused on the "segregationist" policy of keeping a portion of JFK in Golden Gate Park car-free. What about Shelley Drive in McLaren?
Commentary: Ban Cars on JFK from the Panhandle to the Sea
By Roger Rudick	| Jan 12, 2022
Supervisor Connie Chan wants 'compromise'? Okay, motorists can use Fulton, Lincoln and Crossover
Fight is on to Keep JFK Car-Free
Never go back.
The de Young's Latest Exhibit is a Semi-Stealthy Push to Reopen JFK to Cars
By Alex Lash	| Nov 17, 2021
The Parkaccess4all.org site makes only brief mention of who's paying for it. There are plenty of other omissions and half-truths.
Safety Advocates Dominate Golden Gate Open House
By Roger Rudick	| Dec 5, 2016
Saturday morning, the San Francisco Department of Recreation and Parks (RPD) held an open house to get feedback about potential pedestrian and bicycle safety improvements for Golden Gate Park. It was held in the County Fair Building Auditorium in the park and was attended by some 40-50 people. From the department website: Tell us about how […]

redpajama_set_name: RedPajamaCommonCrawl


TTC's brands will offer access to VizEat hosts, who are trained chefs and home cooks, on selected trips or as optional experiences.
The Travel Corporation (TTC) is expanding its culinary travel offerings through a partnership with the "food experience platform" VizEat.
Beginning this summer, travelers booking through TTC's brands, including Insight Vacations, Contiki, Trafalgar, and even the Uniworld Boutique River Cruise Collection, and Evan Evans, will be able to connect with VizEat hosts, who are trained chefs and home cooks, on selected trips or as optional experiences.
"Culinary experiences have always been an essential part of our tour and guided vacations offerings but we have definitely seen an increase in requests from our guests about the dining options and a desire for authentic and local experiences. This partnership gives the opportunity to scale our much loved "By My Guest" experience that we have with Trafalgar across all of our TTC brands and introduce new destinations, especially in Europe as our top-selling destination," said Dan Christian, chief digital officer, The Travel Corporation.
The hosts will share their meals and insights into their cultures with TTC guests, who will also be able to sample regional specialties and traditional cuisine in unique locations. VizEat is about three years old, and offers meal-sharing experiences with 22,000 local hosts in 110 countries worldwide.
Similarly, through a partnership between Evans Evans and SideStory, TTC provides guests with experiences like private photography lesson in East London, shopping with a Stylist and Vegetarian Foodie Tours.
According to Booking.com, 75% of global travelers "would likely travel somewhere known for its great food and drink." According to responses to a September 2016 survey of nearly 13,000 travelers across 13 markets in September 2016, 79% of travelers between the ages of 18 and 34 are considering travelling somewhere for its culinary reputation.
Eight percent of respondents said they had travelled in the last year "to fulfil their hobby of fine dining," while 7% specifically are pursuing their passion for wine.
"Culinary travel is an ever-growing trend, with travelers planning trips centered on taste-inspired exploration and seeking to fully immerse themselves in the local culture, of which food plays a huge part," said Pepijn Rijvers, Booking.com chief marketing officer.
Reviewing 118 million traveler comments on their site, Booking.com believes that Asian and South American flavors weigh heavily in the top global "foodie" destinations.


eCobalt/Jervois Merger | eCobalt Solutions Inc.
Under the Arrangement, each common share of eCobalt will be exchanged for 1.65 common shares of Jervois (the "Exchange Ratio"). This represents an implied offer price of C$0.36 per eCobalt share based on the closing price of Jervois' common shares on the ASX on March 29, 2019.
An information circular will be mailed to shareholders as well as posted to this webpage in Q3. The date for the shareholder meeting will also be announced at this time.


Underpayment of wages is a serious issue. Employers who fail to pay minimum wages, allowances or penalty rates prescribed by the applicable instrument may be sued or even prosecuted to recover the underpaid amounts. Recent news coverage suggests that the underpayment of wages is endemic in certain business sectors, including the Sydney restaurant scene. Apprentices and trainees are also particularly vulnerable to being underpaid at work.
In truth, however, the problem may also arise in more innocent circumstances. In any case, it is of utmost importance for both employer and employee to identify and remedy any underpayment of wages as quickly as possible in order to avoid the human harm that comes from underpayment and penalties that may far exceed the amount of the shortage.
The Fair Work Act 2009 outlines what award or agreement covers an employee through the national industrial relations system. The minimum wage guidelines consider the industry, tools needed for the job, hazards posed and extra pay rates for casual workers.
New employers should be especially careful to check with Fair Work Australia to determine the correct minimum wage to be paid to each category of employee. Fair Work Australia offers considerable resources to small employers in calculating payroll, leave entitlements and other matters. Individual negotiations with employees that produce a lower rate, even if acceptable to the employee, are not permitted.
Employees who believe they are being underpaid should similarly seek assistance from Fair Work Australia, first to determine what the correct rate should be and thereafter to explore corrective action.
In the event of underpayment of wages, a number of remedies are available, ranging from voluntary payment to mediation, official letters of caution, court orders and fines that may be quite substantial, especially where the underpayment of wages appears to have been deliberate and systematic. In a recent decision, a hairdressing chain was fined $70,000 for an underpayment of wages in an amount that was only about one-tenth of the fine.
Employers: How to avoid claims for underpayment of wages?
The best defence is to know at the start what your obligations are, to build this into your labour cost and recover that amount via the fee you charge for your services.
It is important that employers have a good understanding of the terms and conditions of each of the awards that apply to their business. Underpayments and breaches of awards often occur because employers are not aware of every entitlement contained in the award. Some awards contain complex or unusual clauses that are not obvious. These may include industry specific redundancy schemes or notice periods that are different from those of the Fair Work Act.
As a second step, employers should record and implement salary arrangements properly to prevent disputes about which award entitlements, if any, are intended to be included in the salary.
Finally, employers should keep good time and wage records to ensure that the employee continues to be paid enough to avoid underpayment. Good records may also satisfy any parties that may become involved in a dispute, including the Fair Work Ombudsman, court or tribunal that any errors were made in good faith.
Employees: Can you claim for underpayment of wages?
If you believe that you have been underpaid at work, you should verify with Fair Work Australia what award or agreement covers your job under the Fair Work Act. If you have been underpaid at work, your first recourse is to check with your employer to determine whether a genuine mistake was made. Many issues can be resolved simply.
If your employer becomes obdurate or has purposely underpaid wages, you should make a written request of him or her to fix the situation. At this point, it may be wise to consult with counsel or your union representative, as well.
When these avenues have been exhausted, make a complaint to the Fair Work Ombudsman. The Ombudsman may recommend Assisted Voluntary Resolution, which is a process undertaken to assist the employer and employee to find a mutually acceptable resolution, before commencing a full investigation. It is a relatively quick process often complete within 40 working days of the lodgement of the complaint.
Thereafter, Fair Work Australia may initiate a full investigation for all unresolved issues and litigation is an option.
The size of the awards made in cases of underpayment of wages demonstrates how seriously Fair Work Australia and the court system take the issue.
A pizza and pasta franchise operator was recently penalised $335,000 for underpaying more than 100 of its employees over a period of three years and failing to keep accurate wage records. The Court described the employer's practice of offering some employees free and discounted pizzas and soft drinks instead of their full wages as belonging 'in the dark ages'.
In another decision, an employer was found to have violated wage payment laws by paying each of its award-covered employees a flat rate that was a few dollars above the minimum hourly award rate, but without any shift allowances, overtime or penalty rates. The maths shortcut was ill-advised and backfired.
The lawyers at Owen Hodge Lawyers can assist employers who want to avoid or defend from claims for underpayment of wages. We can also help employees who believe that they have been underpaid at work.
Each situation is unique, of course, but our experienced employment law attorneys encourage you to contact the firm at 1800 770 780 to schedule a free consultation. We look forward to working with you both to prevent the occurrence of wage underpayment and to resolve it is expeditiously as possible where it has occurred.


Home health remedies Will mutant strains hurt prospects for Roche's flu-fighting newcomer Xofluza?
Will mutant strains hurt prospects for Roche's flu-fighting newcomer Xofluza?
But it doesn't bode well for Roche, which is looking to drive Xofluza growth in the face of copycats to predecessor Tamiflu. The new drug, which runs $150 for patients without insurance, has so far seen limited uptake thanks in part to its price; it generated just $13 million in the fourth quarter after snagging its FDA OK in October.


to both online and in-store shopping. Expiration Date:Jul 21, 2018 1A1728E6, code - Was Expired, option Tips. At m, we offer various discount information including online coupons, promo codes and many special in-store offers. Some vendor sites will make this part of the regular checkout page, while others will direct you to a separate page to confirm your promotion or coupon code. Hot Game Gold, hot Game Items, follow mmodm. Some coupon sites may fail to update their discounts and deals in time. Payment Method, option Tips, plese Select Your Server). Do you have a coupon or promo code that we don't?
The following free shipping coupon codes also can help you get a discount on your next purchase, so check here before you finalize an order. Once you add an item or more item to your cart, Go through the checkout process.
Take 35 Off 400 for 2 Night Bookings. Popular destinations: San Deigo, Gatlinburg, Ocean City, Santa Rosa Beach and the like. Sign up or register to..


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Survey: Bank overdraft fees tumble to 13-year low while ATM fees are back on the rise
Overdraft fees: Lowest in over a decade
ATM fees: Total charges hit a three-year high
Noninterest checking: Service fees up, along with minimum balance requirements
Interest checking: High fees, rock-bottom yields
How to avoid common bank fees
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9 min read Published August 31, 2022
Karen Bennett
Written by Karen BennettArrow Right Consumer banking reporter
Karen Bennett is a consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters.
Matthew Goldberg
Written by Matthew GoldbergArrow Right Consumer banking reporter
Matthew Goldberg is a consumer banking reporter at Bankrate. Matthew has been in financial services for more than a decade, in banking and insurance.
Connect with Matthew Goldberg on Twitter Twitter
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Get in contact with Matthew Goldberg via Email Email
Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you're managing your money.
Bankrate follows a strict editorial policy, so you can trust that we're putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Here is a list of our banking partners.
Banks have been reducing or eliminating overdraft fees at an unprecedented rate over the past year or so, as they face heavy public pressure to curb what one consumer watchdog has referred to as "junk fees." In fact, the average overdraft fee of $29.80 is down 11 percent from last year's record high, according to Bankrate's 2022 checking account and ATM fee study. However, an overwhelming majority of accounts surveyed (96 percent) still charge a fee for overdrafts.
Unlike overdraft fees, not all bank fees are on the decline. Bankrate's study found the average combined cost of an out-of-network ATM transaction to be $4.66, the highest amount since 2019. The average ATM surcharge levied on non-customers hit a record high of $3.14 per transaction.
The study also found that 46 percent of noninterest checking accounts are free — meaning they don't charge monthly service fees — which is down slightly from 2021. Unlike top-yielding savings accounts, checking accounts that bear interest continue to pay record-low yields, the survey found, despite several Federal Reserve interest rate hikes in 2022.
For the study, Bankrate surveyed 10 banks and thrifts in each of 25 large U.S. markets. Information was gathered regarding checking accounts that bear interest and those that don't, as well as ATM fee policies. Here are the highlights of the study.
The average overdraft fee declined to a 13-year low of $29.80, which is down 11 percent over last year's record high of $33.58. The average nonsufficient funds (NSF) fee decreased to $26.58, the lowest since $25.81 in 2004. While these averages have gone down and some accounts have entirely eliminated such fees, 96 and 87 percent of accounts surveyed still charge overdraft fees and NSF fees, respectively.
The combined total of the average out-of-network ATM fee assessed by one's own bank and the average surcharge levied by the ATM owner increased to $4.66, the highest since 2019. The surcharge on non-customers ($3.14) reached a new high, up 1.9 percent from $3.08 last year.
Among the metropolitan areas covered in the survey, the city with the highest average total combined ATM fees is Atlanta, where you'll pay around $5.38 for using an out-of-network ATM. Meanwhile, you'll find the lowest combined average fees in Los Angeles at $4.21.
The number of free checking accounts has decreased slightly in 2022 to 46 percent (down from 48 percent last year), although 99 percent of noninterest checking accounts are either free or can become free when certain requirements are met. These may include maintaining a set minimum balance or having your paycheck directly deposited.
The average yield on interest checking accounts remains at a record low, and the most common payout is 0.01 percent annual percentage yield (APY). And while the average monthly service fee of $16.19 is down slightly from last year, it's the second highest ever tallied.
Overdraft and NSF fees on the decline
An overdraft fee may be charged by a bank when you withdraw more money from your account than the amount you have in it and the bank pays that overdraft. The average overdraft fee in 2022 is $29.80, which is down 11 percent over last year's record-high average of $33.58 — the lowest since 2009 when the fee averaged $29.58.
Like overdraft fees, the average NSF fee decreased as well in 2022 — dropping to $26.58, which reflects a 21-percent decrease from last year's record high of $33.58. It's also the lowest average NSF fee since 2004 when the average was $25.81.
Banks charge an NSF fee when there isn't enough money in an account to cover a transaction, and the bank does not honor the transaction. Ways to avoid these fees include linking a savings account to your checking account in order to cover any shortfall, as well as keeping tabs on your account balance before initiating transactions.
Overdraft fees may be down on average, but still prevalent
The trend among banks to reduce or eliminate overdraft and NSF fees comes at a time when proposed federal legislation would limit their ability to charge such fees. The Consumer Financial Protection Bureau (CFPB) has also called for an end to these fees, releasing a report that revealed 20 banks each earned between $50 million and $1.4 billion in overdraft and NSF fee revenue in 2021.
While average overdraft and NSF fees are lower than they've been in more than a decade, they're not completely going away just yet. Fees for overdrafts and nonsufficient funds are still charged by 96 percent and 87 percent of accounts surveyed, respectively.
"Don't let your guard down with regard to overdrafts," says Greg McBride, CFA, Bankrate chief financial analyst. "The overwhelming majority of banks and accounts still charge for overdrawing the account, whether the payment is honored or rejected."
ATM fees: Combined total charges hit a three-year high
Fewer banks charging their customers for out-of-network ATM use
Using an out-of-network ATM can result in multiple fees per transaction. Your own bank may charge you for using an out-of-network ATM, while the bank that owns that ATM may impose its own surcharge. Currently, more bank accounts than ever — just over 40 percent — do not charge their own customers for out-of-network ATM transactions.
Among accounts that do charge their customers out-of-network ATM fees, $2.50 remains the most common amount, while the average fee charged is up 1 cent to $1.52.
Banks raise fees for non-customer ATM use
On the other hand, the average surcharge imposed by banks for non-customers who use their ATMs is up to a new high of $3.14. This marks the 21st time in the past 24 years that the average surcharge has set a new record high. The most common ATM surcharge amount reported by banks is $3.
For the fourth consecutive year, all of the ATM-owning banks surveyed reported charging non-customers for ATM withdrawals.
The combined total of the out-of-network ATM fee assessed by your own bank and the ATM surcharge levied by the ATM owner increased 1.5 percent, from $4.59 to $4.66, the highest since 2019.
"Staying within your bank's ATM network is the sure-fire way to avoid fees," McBride says. "If going outside the network, you run the risk of being hit with fees from both your bank and the ATM-owning bank."
In addition to limiting your ATM use to in-network machines, another way to avoid ATM fees is to get cash back at the checkout line when using your debit card at places like grocery stores or other retailers.
Where you live can play a role in what you'll pay in ATM fees. Atlanta has the highest average fee, $5.38, which is up from $5.23 in 2021. ATMs in Los Angeles charge the lowest average fee, $4.21, a 31-cent increase from last year's survey. Consumers in Atlanta, Detroit, Phoenix and Cleveland pay about 20-25 percent more on average for using out-of-network ATMs than those in Minneapolis, Seattle and Los Angeles.
Highest ATM fees by metro area
AVG. TOTAL ATM FEE
1 Atlanta $5.38
2 Detroit $5.29
3 Phoenix $5.24
4 Cleveland $5.23
5 Pittsburgh $4.98
6 Tampa $4.97
7 Houston $4.92
8 New York $4.85
9 Miami $4.82
10 Washington, D.C. $4.68
11 Milwaukee $4.65
12 Denver $4.59
13 Dallas $4.54
14 Chicago $4.51
15 (tie) Baltimore $4.49
15 (tie) San Diego $4.49
17 San Francisco $4.48
18 Kansas City $4.42
19 Philadelphia $4.40
20 St. Louis $4.39
21 Boston $4.35
22 Cincinnati $4.27
23 Minneapolis $4.24
24 Seattle $4.23
25 Los Angeles $4.21
Source: 2022 Bankrate checking account and ATM fee study
Decrease in free checking accounts
The number of free checking accounts — those that do not have a monthly fee regardless of balance or activity — was down slightly from last year among banks surveyed, but they are still widely available. Nearly half (46 percent) of noninterest checking accounts are free, down from 48 percent last year.
"Will a vanishing act on free checking accounts be the eventual fallout of declining overdraft fee revenue?" McBride says. "There is not much evidence of that to this point, but it does bear watching."
Service fees on the rise
Among noninterest checking accounts that charge a monthly service fee, the average amount increased to $5.44 this year, the highest since 2019. This also reflects a 7 percent increase from $5.08 last year. The monthly service fee most commonly charged is $12, which has been the case every year since 2015.
The average noninterest checking account balance needed to avoid the monthly fee rose by 6.4 percent to around $539, from nearly $507 last year. This marks the first increase in the average balance requirement since 2015, although the amount remains at the second lowest level since 2010.
Top ways to get fees waived
More than half (53 percent) of noninterest checking accounts waive the monthly fee based on direct deposit, account balance, transaction activity or a combination of direct deposit and transaction activity. Of these, the most commonly offered method is direct deposit, with 44 percent of accounts waiving the fee solely based on the account holder receiving direct deposit — which is up from 41 percent during the past two years.
In all, 99 percent of noninterest accounts are free or can become free relatively easily, with a direct deposit requirement being a low hurdle for most account holders to clear.
Free checking accounts are highly accessible to many consumers, thanks to accounts that charge no fees or make fees easy to avoid. However, additional funds not needed for living expenses may be better off placed in an interest-bearing account or used for debt reduction.
"There is no need to strand a significant balance in a checking account when that excess cash can be put to better use by shoring up emergency savings, paying down debt, or increasing retirement savings contributions," McBride says.
Yields remain at a record low
The average yield on interest checking accounts remains at the record low of 0.03 percent first established last year, despite the fastest pace of Federal Reserve interest rate hikes in decades. While yield increases outnumbered decreases by 2 to 1, the overwhelming majority of accounts (97 percent) carry an APY of 0.1 percent or less. The most common yield remains 0.01 percent for the 11th straight year.
Steep monthly fees are hard to avoid
The average monthly fee for interest checking accounts is $16.19, which is down 1 percent from last year's record of $16.35 — but still the second highest ever tallied. The most common monthly fee for these accounts is $25, for the ninth straight year.
Avoiding that fee requires an average minimum balance of $9,658, which is down 2.4 percent from last year's record of $9,897. The averages for both 2021 and 2022 have been up sharply since 2020 when it was $7,550 — which was itself a record high at the time.
"The average monthly fee and balance requirement on an interest checking account declined slightly, but they're coming off record highs, so this isn't what account holders would consider to be relief," McBride says. "Both are still at the second highest levels on record."
In fact, the average balance requirement has more than tripled in the past 15 years, from $3,316 in 2007 — and has risen five-fold from the $1,866 average in 2002.
Maintaining a set minimum balance is often what's necessary to avoid the monthly fee on interest checking accounts, and 75 percent of interest accounts surveyed require a certain balance for the fee to be waived. Alternatively, 15 percent of accounts surveyed will waive the fee for customers who meet direct deposit requirements.
Just 7 percent of interest checking accounts surveyed are free accounts, unchanged from last year.
Many bank fees are on the rise, but they can often be avoided when you know what to watch out for.
Instead of paying fees to use an out-of-network ATM, consider these alternatives:
Request cash back when you make debit card purchases at participating stores.
Choose a bank that has plenty of in-network ATMs near you. This can help ensure you'll always have access to a fee-free ATM that won't subject you to extra charges.
Select a bank that reimburses an unlimited number of out-of-network ATM fees, or a set number of them per month. This practice is common among online banks. Some credit unions and brick-and-mortar banks also reimburse these fees for qualifying accounts.
Checking account monthly service fees
While 46 percent of noninterest checking accounts are free — meaning they don't charge service fees, regardless of your balance — most of those that do charge such fees make them relatively easy to avoid. Depending on your bank's rules, you may be able to avoid this fee by doing any of the following:
Maintaining a set minimum balance.
Having your paycheck directly deposited into the account.
Meeting set requirements regarding a combination of direct deposit and transaction activity.
Those with multiple checking accounts may be able to avoid minimum balance fees by consolidating the accounts.
Switching to a bank with a free checking account is an alternative for those who find their bank's fee-waiving requirements too difficult to meet.
Overdraft fees
An overdraft fee may be charged whenever you overdraw your account and the bank temporarily lends you the money to cover transactions. Some banks do not charge for overdrafts, and the trend among banks has been to curb overdraft fees — although 96 percent of banks surveyed by Bankrate indicated they still charge fees for overdrafts.
These fees can be avoided in a number of ways:
Opt out of overdrafts: Telling your bank you do not want overdraft coverage is one way to ensure you won't be charged fees if the account becomes overdrawn due to debit card or ATM transactions — although this also means any transactions that result in a negative balance will be denied by the bank. An account that has been opted out of overdrafts for debit and ATM transactions could still be subject to NSF fees if there are insufficient funds to cash checks or cover electronic bill payments.
Sign up for overdraft protection: Overdraft protection is a service provided by the bank that ensures overdrafts are covered by transferring funds from a linked savings account or line of credit. While an overdraft protection transfer can also result in a fee, it may be less than the fee you'd be charged for an overdraft.
Monitor your account closely: Watching your finances carefully can help ensure you don't overspend and overdraft your account. Helpful tools include budgeting apps as well as low-balance alerts you can sign up to receive from your bank through its smartphone app.
Bankrate conducted the survey among a total of 10 banks and thrifts in each of 25 large U.S. markets; one interest checking account and one noninterest checking account, as well as their associated ATM fee policies, were surveyed from 245 financial institutions offering consumer checking accounts; 237 interest checking accounts and 232 noninterest checking accounts were surveyed between June 13 and July 1, 2022.
Read more from Karen
Co-written by Matthew GoldbergArrow Right Consumer banking reporter
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Checking account fees surge. Here's how to dodge them


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Retail space available on busy IN-257. More than 6,000 vehicles pass through daily. Recently remodeled interior including a large, open, heated and cooled 2,112 square foot space for retail, grocery, warehouse, storage or E-commerce along with living quarters upstairs for a TOTAL OF 5,280 SQUARE FEET! 9x8 door with ramp for easy loading and offloading. Large retail entrances with option for the property to be separated into 2 retail locations or could be made into 1 large lobby. Windows span entire front for high visibility and advertisement. Owners suite upstairs with kitchen. On top of that, there is a newly remodeled attached garage with full bath, washer dryer, and hot tub room.Location002-00065-00 EH ORIG 28 (OLD RESTAURANT)HighlightsLocated on high traffic IN-2755,280 square feetMassive open 2,112 heated and cooled roomOwner suiteTwo separate entrances so building can divided into 2 retail spaces
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We are proud to present to market one of our immaculately presented properties for sale Turis Valencia. This is a large villa situated on the desirable Altury urbanisation in Turis which has nice bars and restaurants together with sports facilities. This property has good views and private plot, set amid landscaped gardens with both covered and open terraces to enjoy.
You have double gates at the front of the villa opening on to your private driveway where to park your car. There is also a pedestrian gate at the front with a pathway taking you to the front of the property.
You enter the villa into an impressive reception hallway which distributes to the kitchen on the left side of the villa. There is a modern fully fitted kitchen complete with all electro-domestic appliances and it also has a pantry cupboard, then there are patio doors from this kitchen going out onto a small terrace at the front of the villa. Across to the right side of this central hallway you have the impressive lounge/dining room which is very spacious and has ceiling fan lights together with patio doors taking you out to the large covered terrace at the rear of the villa and which also runs to the side.
This covered terrace is an wonderful space for entertaining and enjoying a meal whilst overlooking your gardens and the 8m x 4m swimming pool. Back inside the villa and also situated on this ground floor you have a double bedroom complete with fitted wardrobes and a bathroom.
Upstairs on the first floor you arrive to another wide hallway that distributes to a family bathroom complete with a walk-in shower, then you have two further double bedrooms with ceiling fans. The master bedroom is grand and a lovely space, complete with hot/cold air conditioning, a walk-in wardrobe, en-suite bathroom with bath and a patio door taking you out onto your own private balcony terrace.
The entire property has oil central heating radiators in every rooms and very good quality tiling. All of the windows have persiana blinds incorporated and you have both a telephone and broadband internet connected together with satellite television.
Downstairs in the under build section of the villa, which can also conveniently be accessed internally from the staircase in the corner of the lounge/dining room, you have a large room which was previously the garage. Here you have a utility area for your washing machine, the oil deposit tank and boiler for the central heating system and a very big central room. There is a W.C. also located on this floor and a large separate store room all with water and electricity connected.
Outside, within the landscaped gardens you have some very nice features with little private seating areas next to your ornate pond complimented by the impressive pool side terrace with ample space for sun bathing and a well constructed pool side shower. There is a separate pool room where the filter and pump system is kept at the back of the garden and you have a wonderful selection of trees, palms and flowering plants. This desirable villa is sure to be a favourite and it has been advertised at this greatly reduced price to prompt a quick sell. One hot property that should not be missed!
This property is being sold partly furnished and you also have your own private Post office box on the urbanisation. The urbanisation fees are only 28 Euros per month, this pays for everything.


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Pink Games Matter
I got a Gameboy as a kid because I spent a lot of time inside. It was too hot during the Summer months to leave a little asthmatic like me out in the oppressive heat of the Texas Summer months. So out of school and with little activities, I was given my first handheld in 1998 with a copy of Pokemon Red. I had a magenta one, of course. And I have lots of memories from my first Gameboy Color. I remember Pokemon and Tarzan. I remember Donkey Kong Country and getting more Pokemon Games but the game I remember most is Barbie Ocean Discovery. For those of you who don't know, Barbie Ocean Discovery is a game made for girls that features around Barbie exploring the ocean. You get to swim around, collect items, talk to fish, search for treasure and solve puzzles. This game absolutely is a Pink Game. Pink Games are games marketed towards young girls because apparently, gendered items are very real. Pink Games usually had pink art and pink game cartridges hence the title. Because if it's girly: it's pink.
So while I'm here to cop to some of the inherent misogyny that comes with Pink Games and game marketing, I want to sing some of the praises of Pink Games and Pink Gaming.
Pink Games get a really bad reputation for being deeply rooted in some ideas that the patriarchy has about what is important to girls: fashion, pets, cooking and the like. Pink Games assume that girls don't want to be the very best or be world champion in a fighting tournament. Girls want to ride horses and swim with dolphins and be fashion designers. Sure, some girls do but this biological woman wanted to be both. I was always a weirdly gender queer kid, I suppose it makes sense. I always liked both. I liked sports and dance. I liked stuffed animals but with an edge (note, I recently found my much beloved Stuffed Velociraptor from my childhood).
So while I played a ton of Pokemon as a kid, as a teen, the games I remember the most is Cooking Mama. Cooking Mama is a very Japanese Pink Game where you play as Mama who is a dutiful housewife who cooks and cleans and has an entire game empire with cooking, crafting and running cake shops. You want camping or science? That's up to Papa and he's the one that controls the outdoor stuff or the science. Because remember: girls don't like science. Girls like stringing fake beads.
And some of the earliest experiences I have with online gaming aren't Runescape or Gaia, it's dressing up Barbie online and playing Neopets. These little Flash games were intensely important to my early gaming career and that continued on despite the changes in handhelds and how much I cared about trading card games.
But as a stressed out college student, Cooking Mama was a welcomed distraction from my coursework and busy anime club. I took pleasure in being able to slice fake onions and blow into my DS mic despite being asthmatic. And while during college I played the hell out of Pokemon Platinum I used Cooking Mama to unwind. A lot of the recipes in the game I made for my friends and kouhai and it was comforting to have someone encourage me when I did well or scold me when I failed miserably and brought dishonor to the household.
If you open up the dictionary to "casual gamer" there's an unflattering photo of me in it. Sure, I play a lot of games now: still mostly Pokemon but with the recent PS4 purchase I've gotten back into fighting games and into Persona 5 (a noted departure for me). But I wouldn't be where I am now without the importance of some Pink Games. Ocean Discovery was one but it opened me up to realizing that I didn't have to sacrifice being a "girl" and liking video games. Even now I struggle with being a "girl gamer" not just because I even struggle with gendering myself at times. I am a human person who plays video games and gendering items to me is silly. Some of the most talented people playing Overwatch that I know are biologically female and there are male friends of mine that enjoy Dance Dance Revolution more than I do (which is a lot).
Pink Games are often maligned for being too easy and pushing gender roles and yes, many of them do that. Super Princess Peach uses Peach's emotions as weapons and is intensely dumbed down in places in comparison to some of the earlier Super Mario games and let's pause for a moment of the metaphorical importance of one of the few female characters in the Mario franchise using her emotions as weapons to defeat enemies. But despite the thinly veiled misogyny, it's a super fun game. I love me a good platformer and Super Princess Peach is a fun platformer.
It's easy to shame NintenDogs and older pink games like Barbie Ocean Discovery but for a generation of girls, it was a great way to break into a world that to them seemed alien. Games just weren't for girls. It just wasn't lady like and I hope that most were like me and grew up with the sense or had the family and friends to later ignore labels and do what they wanted. I was lucky, I quickly found what I liked and stopped caring about being judged. I took pleasure in being the best Soul Calibur player that my friends knew and being an excellent shot in Halo. I had to. It wasn't enough to be biologically a girl and to just be good at a game: I had to be the best. Even now, that means being the best I can at Street Fighter (which I am now very bad at) and doing my best in Pokemon (yes, still playing that damn franchise).
I'll never forget playing Smash Bros in Travis Park on my DS and having a man stop me to say:
"Woah. You're playing a game? I didn't know girls played games."
To which I promptly responded:
"Of course girls play games. But girls play games at home because men like you still feel the need to comment on girls playing games like me."
The idea that games are still considered to be not ladylike is a struggle. We've made lots of progress since I was a youngling back in the time when dinosaurs roamed but we still have progress to make.
And this is the place where I'll let the folks in the back say:
"Well, the trends show that women don't play games the same as men."
Sure, there are some games that women are more likely to play: Bejewled, Candy Crush, Farmville. Those types of Mom-Bored-At-PTA-Meeting type of games are very commonly played by women but that ignores all the men playing Words with Friends online. Yes, there are genres of games almost entirely played by men but that speaks to the issue of girls "talking" about what they are playing. Have we all forgotten GamerGate and the moment when girls had to return to the shadows with our charging cables and game cases?
I have fond memories of playing girly games. I still play Cooking Mama and I still stick to girly characters in fighting games because they are fast. I still have the best dressed character in Pokemon and still run mostly with contests and happily a member of the B-Button Club. I loved my pink Gameboy color, my purple Gameboy Advance and there's a purple sticker on my Gameboy Advance SP. And while it's easy to say "just separate gender from gaming" this is also a person who legit cried during Pokemon X/Y when I could make a little brown character that looked like me down to the impeccable fashion sense. Denying that a person can be girly and be a serious gamer is not incompatible and that also doesn't mean that a male or male-aligned human can love the hell out of some DesignStar.
And gender aside, there was a certain safety in in Pink Games. They were safe spaces. There wasn't a ton of smack talking, no abuse, no one being cruel to each other except for me playing Babysitting Mama with friends and spiking the Baby Doll stuffed up with the WiiMote because it wouldn't stop crying. Hop on any Call of Duty server and watch the abuse flow like water. Not to say that it's unbearable and that many women don't face such a thing with great tact or with an immense lack of tact (no shame, ladies. ). But for many women (this biologically female author included) use games to escape and my escape doesn't need violently chirping voices in my head. I'm much happier going through an AI run in Castlevania: Judgement. The only person being cruel to me when I play Cooking Mama: Sweet Shop is Mama when I press too hard on the piping bag.
I hope you all appreciated this little dive into Pink Games and gaming in general. In the comments below, I'd love to hear what sort of games you're playing. If you ask nicely, I may even swap Friend Codes or PSN names with you.
Posted on June 6, 2018 May 15, 2020 Author AmandaCategories PostsTags femininity, feminism, games, gaming, girl gamer, pink games, pink gaming, trading card games, video games
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An Ink-Stained Wretch
"I've never seen a comma I didn't like, and everything I needed to know about the proper use of the em-dash I learned from F. Scott Fitzgerald and The Great Gatsby."
A writer, editor, journalist, sometimes coder, occasional historian, and all-around scholar, Allyn Gibson is the writer for Diamond Comic Distributors' monthly PREVIEWS catalog, used by comic book shops and throughout the comics industry, and the editor for its monthly order forms. In his over ten years in the comics industry, Allyn has interviewed comics luminaries including DC Comics Co-Publisher Jim Lee and From Hell artist Eddie Campbell as well as cartoonists such as Bloom County's Berkeley Breathed and writers and celebrities such as William Shatner and Kareem Abdul-Jabbar. Allyn is also known for his short fiction (including the Star Trek story "Make-Believe" and the Doctor Who short story "The Spindle of Necessity."
Allyn has been blogging regularly with WordPress since 2004, and, as a near-lifelong fan of J.R.R. Tolkien and The Lord of the Rings, developed the Shire Reckoning plugin for the platform. Among his interests (and fodder for blogging) are baseball, history, politics, mythology, Star Trek and Doctor Who, Sherlock Holmes, building ebooks from scratch, the Beatles and jazz, and genealogy. Allyn is almost certainly the first graduate of Philippi, West Virginia's Philip Barbour High School to visit the grave of the school's namesake, 19th-century Speaker of the House and Associate Justice of the Supreme Court Philip Pendleton Barbour at Washington's Congressional Cemetery.
In short, Allyn is a modern-day "ink-stained wretch," and this is his journey.
Significant Scribblings
The Cursed Ruin
I'm pleased to announce that my short story, "The Adventure of the Cursed Ruin," will appear this December in Belanger Books' In the Footsteps of Sherlock Holmes & Doctor Watson, now available for pre-order on IndieGoGo. In the Footsteps is "a collection of seventeen all new Sherlock Holmes stories written specifically for young adults. TheContinue reading "The Cursed Ruin"
The Misadventures of Sherlock Holmes: Making an eBook
Does Charlie Brown Have a Secret Cousin?
Scenes from the Nationals World Series Parade
Lancaster Wins It All
Looking for Methodists
Lancaster Clawed by Blue Crabs
Looking for Bidens
No Joy in the Green Grass League
A Baseball Ticket Surprise
Robin Rises Omega
Yeah! Yeah! Yeah!, Michael Tomasky's New Beatles Book
Retro Cool Computing
Falling Victim to the Classic Blunder
The Adam West Christmas Album
The New LEGO Project
The Lighter Side of Life
An Afternoon Walkabout
Victory at Last!
Making a New Friend
Life Is Better with Pineapple
Condolences to Sir Paul McCartney
Life in Pennsyltucky, An Occasional Series
The Hero Sesame Street Needs


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STORY about GovernanceEnvironmentDirect Action posted on February 16, 2014 by Kerry Coast
Supreme Court rules against "fair comment"
In Mainstream v. Staniford, the Supreme Court of Canada affirmed the BC Supreme Court's decision to find anti-salmon-farming activist Don Staniford guilty of slander and now prohibited from saying "Salmon Farming Kills," or "Salmon Farming Spreads Disease."
by Kerry Coast
One of the criminalized statements issued by Don Staniford in his campaign against industrial salmon farming.
Don and Elena Staniford in Norway focusing attention on the global industry led by Norwegian state-owned operations.
In February 2011, Staniford's deportation, following his trial, was marked with a big party of friends and environmental allies giving support and encouragement.
Also posted by Kerry Coast:
Also in Direct Action:
GroundWire | September 12, 2016
Lack of Government Response Imperils Life of Site C Dam Hunger Striker
The Petronas Project and the LNG Pipe Dream
Anti-pipeline pressure greets NEB Hearings
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GroundWire | February 25, 2015 & March 3, 2015 | Homelessness Marathon Edition
Toyota Prius Not So Green After All
First Nations paddle to protect Salish Sea from pipeline plan
In the hopes of quashing a ruling that muzzles activists, and proving that "salmon farming really does kill," Don Staniford appealed the BC Supreme Court decision of July 2012 that left him liable for slander and damages to Mainstream, a Norwegian salmon farming company operating dozens of farms on the BC coast. On February 13, 2014, the Supreme Court of Canada (SCC) affirmed the provincial court ruling and denied Staniford leave to appeal the decision against him.
Staniford's legal defense against Mainstream's charges was largely "fair comment." His campaign to expose the dangers of industrial-scale farming of European Atlantic salmon in BC, home to Pacific salmon, was dynamic and long. But this foreign-owned company eventually found a way to fire back legally – since they had no intelligible response to the charges of environmental degradation and spreading disease among wild salmon which Staniford had publicly levelled, and which are well documented by biologists around the world.
Mainstream had Staniford when he released a series of images on pseudo-cigarette packages, with the blue cross of the Norwegian flag as the brand, and warning labels on the bottom with graphic images of the various victims of salmon farming. The warning labels featured bold print: "Salmon farming kills communities" (which it most certainly has, in Chile in 2007); "Salmon farming harms my global environment" a fact hard to dispute when scientific journals on the subject are given a review.
Staniford's statement following the February 2014 ruling:
"Cermaq's SLAPP suit is a slap in the face of public dissent and freedom of speech. Shame on the Norwegian Government - as owner of the plaintiff, Mainstream Canada (now re-named Cermaq Canada) - for bankrolling such Draconian legal action. Norway may have a monopoly on salmon farming globally but Norwegian corporations surely cannot be allowed to own the law? That the Canadian legal system has given the Norwegian Government free reign to muzzle freedom of speech speaks volumes of how undemocratic Canada has become under the Harper Government. Freedom of speech and critical dissent is a basic democratic right.
"If Cermaq's lawyers and the Kafkaesque Canadian courts want to silence me they will have to drag me kicking and screaming the truth from cyberspace. Thanks to everyone who has supported me financially in this legal battle. To support the ongoing campaign against Norwegian corporations spreading infectious diseases, draining the world's oceans of wild fish and killing free speech around the globe please Go Fund Me - I promise that not a single cent or kroner will go to fill the coffers of Cermaq, Mainstream Canada or EWOS Canada. The plaintiff's corporate name-changing smacks of a crooked shell game and begs the question: to whom do I write the cheque?"
Staniford has been charged to pay damages to the company and their costs in the legal dispute – a combined amount in the range of $500,000.
When he appealed to the public for funds to carry out his original defense, late in 2011, the entire bill was paid - $100,000. Much of this money was fronted by recreational fishermen's associations and businesses in BC, BC wilderness guide outfitters such as bear and whale watching tours, and even The Wild Salmon Warriors of Norway.
Staniford's statements of condemnation against the mostly Norwegian industry are hardly unsupported. In 2008, salmon biologists Jennifer Myers and Ransom Ford published a researched paper in the scientific journal "PLOS biology," A Global Assessment of Salmon Aquaculture Impacts on Wild Salmonids. Their study found an average decline of 75% among wild fish stocks everywhere the open-net-cage salmon farms had been introduced.
These findings are loud and meaningful in British Columbia, where wild salmon returning to the Fraser watershed have been reduced to 1% of historical run sizes, as of 2009. Large-scale salmon farming began on the migratory route of these salmon in the mid-1980s.
Reaction to the public information campaign from Indigenous Peoples and British Columbians was decisive, as thousands rallied in front of the BC Legislature in 2009 to demand changes to salmon farming regulations, such as not importing eggs from Norway which might harbour Infectious Salmon Anemia virus (ISAv), and in the Fall of 2010 thousands more participated in a week-long voyage by canoe down the lower Fraser to Vancouver in the second Paddle for Wild Salmon where they finally marched on the Cohen Commission demanding the release of disease records in salmon farms, and won that concession which had previously been withheld from the federal inquiry.
The Cohen Commission continued to be a key theatre for revelations of the BC salmon farming industry, which includes one hundred open-net-cage farms on the wild salmon migration route. Heart stopping evidence of polluting with abandon, of massive ocean dumps of salmon which had died of disease, and of serial government indifference came out in this Inquiry.
With inevitable consistency first Canada, then British Columbia, then the BC Salmon Farmers' Association would proceed to the podium to object to any and every shred of evidence, expert opinion or even reasonable question as to the culpability of their operations in the collapse of Fraser sockeye. Other than their insistence that Atlantic salmon feedlots have no significant relation to the decline, Canada had no opinion to offer Justice Cohen as to their regulation: "I'm sure the Salmon Farmers and the province can respond to the aquaculture issues," lawyer Mitch Taylor summarized for the state.
Implications of the ruling?
If Don Staniford can be sued for half a million dollars for pointing out that the one hundred open-net-cage Atlantic salmon farms on BC's coast are killing inestimable numbers of marine species, poisoning the coastline and marketing a product which is well known to be carcinogenic, who else among us is going to continue to say so? In spite of overwhelming scientific evidence in support of this position?
It looks like HSBC's advertising in the airports is true: "In the future, the food chain and the chain of supply will merge." The picture attached to this particular billboard in the HSBC series is one of a chinook salmon. It has a bar code overlaid on its back-end, and a closer inspection of the poster reveals that this fish is bleeding around its fins – pinpoints of red on the body side of the dorsal and lower body fins, which are only found in infected salmon-farmed salmon.
If in the future the chain of supply and the food chain merge, as HSBC predicts, and the food chain / chain of supply includes farmed salmon, and farmed salmon are as much a threat to living ecosystems then as they are now, how will we all live? Ransomed to eat from a chain of supply which does not allow comment on the toxic and carcinogenic animals which are available to us for food, and which deprive a natural world of the species that living systems require to sustain life on this earth?
It's not only that Staniford can't say "salmon farming kills, like smoking," there are altogether 52 statements which BC Supreme Court and now the Supreme Court of Canada have declared he may not make. The 52 statements are cited via http://donstaniford.typepad.com/my-blog/2014/02/towhomdoiwritethecheque.html.
If the BC salmon farmers are to continue protecting themselves from public scrutiny and comment, they are going to have plenty more cases.
A documentary film on the colonial governments of Canada's collaboration with salmon farming companies, especially in the person of the Canadian Food Inspection Agency (CFIA), offers enough evidence to put the SCC's decision into question. Salmon Confidential, by Dr. Alexandra Morton and Twyla Roscovich, chronicles unfathomable indulgences by government agencies. The appearance of bias in favour of salmon farming comes across in technicolour as twitching CFIA witnesses at the Cohen Commission (see below) make statements that beg the definition of common words; as Fisheries and Oceans Canada cover up positive finds of European-originated ISAv in wild salmon; as the international OIE lab in Prince Edward Island which made the finding, and Dr. Fred Kibenge, are de-licensed. The film makers show themselves ordering fresh-frozen farmed salmon in sushi restaurants in BC, and then testing the carefully removed samples for disease. The farmed salmon sushi tested positive for three diseases fatal to wild salmon.
Staniford's campaigns in BC, mostly unfunded, included partnerships with multiple environmental organizations to expose the discovery of Infectious Salmon Anemia virus in wild Pacific salmon in 2011; persistent and prolific letters to media and politicians; blogging about developments in various legal proceedings against salmon farms globally and operating a news list-serve. In the past fifteen years, Staniford has traveled to Norway to confront shareholders, he co-wrote Stain Upon The Sea, with Alexandra Morton, he helped organize mass public marches in response to publicity about the actual damages caused by salmon farms on the coast, and traveled extensively throughout the interior Fraser watershed to meet with Indigenous fisheries experts as well as area-based salmon conservation groups. All those groups are unlikely to forget what they saw in the pictures, videos and scientific reports concerning the dangers of industrial salmon farming in coastal waters.
Staniford's activities now and GAAIA
The Global Alliance Against Industrial Aquaculture, Staniford's organization, remains at work to remove the threat of these salmon farms from the world's precious, life-giving coastal waters. Presently in Scotland Staniford wages a debate against a new political party's bid for Scottish secession from the UK – a change which includes mass salmon farming and wind power as the economic platform to bankroll its autonomy.
In Canada, the Harper government has launched an assault on environmental charities in the form of blanket tax audits.
Create a Media Co-op Account


Your Instagram Feed on the web functions much like it does on your mobile phone. You can browse through the latest photos of people whom you follow with updates as people post new photos. Like photos by double clicking on them or pressing the like button. Or, engage in a conversation around a photo with inline commenting. Browse through pages of the most recent images to keep up on what's happening with the people you follow in realtime. And shrink your browser down to a single column for your feed to look more like your mobile feed. Simply put, we've brought a simple, powerful, and beautiful Instagram browsing experience to the web.
The new page is responsive so you can resize your browser and the feed will automatically adjust itself. You can like photos and also leave comments. This is just another way for users to stay hooked on Instagram. Last November, the company announced the availability of web profiles and just last month it was revealed Instagram topped 90 million monthly active users per month.


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Racism claims a cover for Fox News purge?
Sexual harassment and now racial discrimination complaints are providing the excuses James Murdoch may need to purge the conservative news personalities who have made the Fox News Channel a success.
James Murdoch is the liberal son of Fox News parent company owner Rupert Murdoch and one of the heirs to his father's media empire. His wife was a major figure in the Clinton Climate Initiative project who despises conservatives and President Donald Trump personally.
A close reading of the legal complaint joined by black Fox News anchor Kelly Wright against the network leads one to conclude that the purpose is to enable the owners of the parent company (the Murdochs) to purge the conservatives by accusing them of racism, and then turn the channel into another left-wing propaganda organ in the name of "diversity and inclusion."
The suit notes that "public pressure" and not a legal finding of fact forced Bill O'Reilly out of his anchor chair at Fox. Hence, why not use the same tactics to get rid of other Fox News managers, editors, anchors or personalities? It worked once. It could work again.
In one of these feeding frenzies, the facts get lost. What matters is the charges, not whether they are true or not.
Despite the attempt to portray him as a victim of racism, Wright's bio at Fox News says he currently serves as co-anchor on America's News Headquarters on Saturdays from 4-5 p.m. ET, as well as an overnight breaking news anchor based in New York. His impressive bio lists many stories he has covered at home and abroad.
Page 18 of the complaint says, "Throughout his employment with Fox, Mr. Wright has covered many of the biggest news stories to break over the past 14 years, often breaking the stories himself." This is hardly the record of an employee being marginalized because of his skin color.
The complaint insists that "The discriminatory conduct committed against Mr. Wright has resulted in stunted career growth and advancement despite his remarkable success." He has had "remarkable" success in a "stunted" career?
Despite this doubletalk, his lawyers at Wigdor LLP held a dramatic news conference with Wright to announce the charges, which were immediately picked up by the channel's competitors. It is all about "public pressure" on the Murdochs and the fundamental transformation of Fox News.
The complaint says that Wright has been, and continues to be, "the victim of pervasive race discrimination at Fox," because he did not get this or that position. It says he does not have his own show on the channel, as if he is entitled to one.
Wright is a Fox News anchor, one of three black anchors overall, but "his anchor position is one of far lower visibility than those held by his White colleagues," the complaint states.
But it may well be that he doesn't have the on-camera presence and talent to attract an audience.
The legal complaint asserts the existence of a pervasive culture of "institutional racism" at Fox News. For example, the recently ousted Bill O'Reilly is quoted as saying that some black neighborhoods have deteriorated into "free-fire zones." For having an opinion on black crime and other remarks, O'Reilly is branded a racist.
Broadcaster Jerry Kenney read the lawsuit and commented, "Many blacks agree with much of the criticism of the black community that this lawsuit cites as 'evidence' of racism."
Despite the claims in the suit, former Fox News chairman Roger Ailes had a very good record on minority hiring. He launched an Ailes Apprenticeship Program at Fox in 2003 to benefit minority students. At one event in honor of the graduates, Jesse Jackson called Ailes "a tough-minded, caring individual" who is "preparing leaders for the diverse world in which we live."
At the 2015 ceremony for its graduates, Ailes and Santita Jackson (a Fox News contributor and the daughter of Revered Jesse Jackson) were in attendance. Remarks were also delivered by Fox News anchor Harris Faulkner, who is black. After Ailes was forced out because of sexual harassment allegations, it was renamed the Fox News Apprentice Program.
The flimsy nature of Wright's complaint can be seen in the charge that he "has been forced to endure many racist comments, some of which are intended to paint Mr. Wright as a caricature of a Black entertainer – i.e., a Jim Crow. By way of example only, while O'Reilly refused to permit Mr. Wright to come on his show, he told Mr. Wright that he 'should call up' [Roger] Ailes and [Bill] Shine and 'offer to sing the National Anthem at the Fox News Town Halls.'"
In fact, Wright is an accomplished singer. A bio at a website offering a CD of his songs says, "Kelly Wright is nationally recognized as a reporter for the Fox News Channel. But he's been singing professionally since he was thirteen. He started his singing career in the Church. Since then, he has been the headlining act at the legendary Cotton Club in New York City. Kelly has been the opening act or featured on many shows with top recording artists such as: James Brown, Shirley Ceasar, Vicki Winans, Dottie Peoples, Mississippi Mass Choir, Ron Kenoly, and more. Kelly has performed in Paris, France...Benin, West Africa... and Baghdad, Iraq."
In fact, back in 2011, Wright performed on Fox News with his two sons in a special Christmas program.
So what may have been an entirely innocent and even complimentary comment from Bill O'Reilly has been turned into a condescending and racist putdown.
For years, Wright has "demanded a bigger role at Fox." His demands have not been met and that supposedly helps make Fox a racist place to work.
Broadcaster Jerry Kenney counters, "He was lucky to even have a job a Fox."
One of the songs on the Wright CD is titled "My Prayer." He'll need to pray long and hard to succeed in this lawsuit.
Don't look for God to grant his wish.
But James Murdoch may see the suit as another excuse to conduct a purge and bring in more liberals like Bob Beckel.


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