What is this Pacman io game ?
The legendary pacman unblocked game is now available in a modified form with some upgrades and more advanced game options. Back in 1980s, when there was a few games only,the pacman managed to break all time records. Now you can play that fantastic game on pacman.io for free. The game itself is a browser based free io game so you do not need to download it.
In order to play this nostalgic game, you just need a standard internet connection and a device meeting minimum system requirements of 1 GB RAM for mobile phones and 2 GB ram for laptops and desktop pc. For a better gaming experience, you should have a fast an reliable internet connection in order to prevent freezing problems. Since it does not consume so much data, you can turn on your mobile data if you play it on your mobile device.


I posted this outfit earlier this week on my Instagram when I first wore it on a day-trip with the boys to the pool. I loved it so much, that I packed the exact same outfit and sent it off to Mexico for round two! I found the shorts at Nordstrom, at a very affordable price point, and thought they would be super cute to run around town in, or throw on over my swimsuit bottom as a fun pair of beach shorts. I paired them with this comfy shoulder-tie tee from Topshop that was too adorable (and inexpensive) to pass up! Last but not least, I had been eyeballing these Steve Madden sandals for a few weeks now, but didn't pull the trigger until recently, and I don't know why I didn't because they're super cute, comfortable, and under $100! So long story short, yes, I am an outfit repeater and I am okay with that!


Corina and Miles love to take road trips. So they packed up their car and left Delaware to come out to the midwest for their engagement session. It was so great to finally meet them, and spend the day capturing some beautiful photographs.
We waited out the rain that threatened our mid-morning shoot at one of my favorite breakfast spots in Aurora, Harner's Bakery. After the rain moved out, and we had our fill of breakfast, it turned out to be a beautiful day.
Corina had so many details that she had already thought through. Their wedding (September 5, 2010) is going to be held at Ambiance Antiques, an antique store in San Francisco. She had already planned for the guys boutonnieres to be designed out of buttons, so they stopped and bought a large jar of buttons at an antique store. They added a lot of fun to our last destination.
Miles is in the United States Air Force, so I loved the little detail of the plane pins on her skirt. I look forward to showing the photos of their wedding! I know they have a lot of great stuff planned.


text:
Q: can labels be turned off in PDFThumbnailView? MacOS provides a very handy set of classes and objects for displaying PDF documents.
PDFThumbnailView is what's used to display a scrolling collection of thumbnails representing each page of the PDF document managed in a PDFDocument (and visible in a full size PDFView, sitting to the right of my PDFThumbnailView).  This is what my UI (with its PDFThumbnailView and PDFView) looks like:

And here's my question which regards PDFThumbnailView labels (I've circled three of them in the graphic below):
PDFThumbnailView provides a handy method to change the font of the thumbnail label; but is there a way to actually customize what appears in those labels, or better yet, simply turn that label off completely?

A: Well, since this question earned me the "tumbleweed" badge on StackOverflow, I might as well answer this question with the (very non-optimal) solution that I ended up doing, in case one or two other souls out there ever run into this problem.
PDFThumbnailView has a "setLabelFont:" method, to which you can assign an extremely tiny font (think 1 point or less).
Yes, that means sharp-eyed users will see a pixel of something underneath each page.
As far as I can tell, there's no way to set a font color (i.e. clear color, gray color matching the background) for that font.
I've filed a Radar enhancement request ( rdar://12631489 ) with Apple to ask them to provide an API to turn off these labels, but I have no idea if they'll actually act favorably on this.

redpajama_set_name: RedPajamaStackExchange


JV5-130S and JV5-160S: Backlit signs, floor graphics, labels, banners, posters, vehicle wrap, indoor graphics, stickers and more.
JV5-320S Large signage that requires close viewing (walls, ceilings, et cetera) as well as signage for distant viewing (billboards and more).
Vinyl, banner, (blueback) paper, canvas, mesh (JV5-320S).
JV5 is also available as aqueous models for dye sublimation transfer printing.


There are currently 1885 Photo Index submissions for this manufacturer.
05/05/2018 Drill Press "All Purpose Drill Press" 13" bench model mid-1930's none rolino, mr.
09/09/2016 Lathe, Metal 101.07301 6" x 18" 1950 (or slightly later) 6L 026634 Felton, D.L.
08/29/2016 Lathe, Wood 101.06260 or 534.06260 10"x36" appx. 1938 none detwiler, daryl z.
09/09/2015 Jointer 102.05600 6" 1936 Est. unknown Bush, Keith W.
10/20/2014 Lathe, Metal 109.21270 Craftsman 80 6" x 12" 1949 n/a Walton, M.
09/23/2014 Table Saw 101.02162 10" Table Saw 10" late 30's - early 40's None Adams, K.C.
09/13/2014 Table Saw 101.02143 tilting arbor table saw 8" early 40's none Adams, K.C.
06/07/2014 Motor 115.7149, Capacitor Start Motor; 3450 RPM 3/4 HP; 5/8" shaft 1948 Felton, D.L.
11/13/2012 Drill Press 113.24611 Commercial Drill Press 15½" Jan 1975 Chips, Mr.
09/04/2006 Drill Press ? 8" (?) Hoelzeman, George R.


I went to start my GEO Tracker yesterday and it wouldn't start. I did the usual jump the battery thing and then got smart and checked the battery with my multimeter and it was fully charged 12.7 volts. I called my Mechanic and he came to the house with another mechanic and they tried to start it and figured out it was the starter. So the two of them push started the vehicle and drove it over to their shop where they took off the starter and rebuilt it as it needed new brushes and bushings put it back on. Recharged the A/C and brought it back to my house for about 2300 pesos that's $175.00. I was pleased with the service, door to door no less.
I took the M/S to the repair shop yesterday to get more work done some of the parts have come in and the shop was able to take her in and get the work done. The fan for the A/C was replaced and the pan for the transmission was tightened up to help with the little leak there, the shop was unable to get a proper gasket for it here in Mexico so we will have to keep an eye on that problem and make sure we have transmission fluid kept up to the right level. It is a small leak, but it needs monitoring. I also had them hook up the tow vehicle and lights which had a problem. Seems that the tow bar had some oxidation (rust) on it and wasn't making a good ground connection and lights weren't working well. The mechanic thought that with driving it home the rust would wear enough to make the ground work and he was right-almost seems the wires are hooked up backwards as when I put on the left turn signal the right turn signal on the tow vehicle blinks and when I put the left turn signal on the right turn signal blinks. I think this is an easy fix-the plug at the rear of the M/S needs to be unplugged and reset to the correct pins at least I hope that is it I have another plug coming in the mail so I may wait and use the new plug.
Saturday I went to lunch with a neighbor, we went to a chinese restaurant in town. There are two chinese restaurants in our small town and our favorite is a small family run restaurant that is also a favorite of a lot of Mexicans. I like going there as the portions are always huge and that means I get take home enough for another meal or two and that makes this meal out a deal. Fortunately for me they have a vegetarian dish that tastes wonderful. It is always nice to eat out at a good restaurant.
Today I did a little maintenance on the RV; checked the house batteries and starting battery and added distilled water to them. The batteries needed water but weren't so low they were damaged or anything. I checked the oil it was down about a half a quart so that can wait a while. I'll be running the generator for an hour tomorrow. I'll have to get some fuel for the RV soon as I am below a half a tank and that isn't good as moisture can accumulate in the tank and cause all sorts of problems.
I'll be talking to a local mechanic next week to get some things looked at on the RV/Mothership. My shift selector is hard to move for some reason it might need lubrication, the AC comes on and then goes go off waits awhile and comes on by its self so that needs looking into -then there is the light connection for the tow (shuttle vehicle), the connection on the Mothership is round and the wire connector for the shuttle is flat I have an adaptor but wouldn't you know it doesn't fit into the round receptacle correctly. I think the mechanic can work that out easily. I also have a overheating problem and most likely the thermostat needs replacement and or the radiator cleaned out. and we'll be good to go for our trip north to the "Old Country". Right now with all the heat in the "Old Country" I'm not to eager to leave my comfortable nest here in the Baja to suffer the vagaries of the weather there.
We had a storm here last night it started after 10pm and I was in bed at the time.
It started with lightening far off to the south no thunder so I thought it was to far away to make any difference here. Slowly the storm got closer and the lightening got bigger still no thunder. Then suddenly the rain started pounding on the roof and porch and I could hear the water running out of the gutters like it was flowing out of a fire-hose and wondered what damage it was causing. This morning I checked the garden and so far have found no damage to trees or plants nor to the house and soil so all is well. Just a great show and lots of rain for a short period last night. I wonder when the next storm will be ?
I was up at 4:45 this morning I had been bitten by a mosquito or something and the itch was driving me nuts then " Mother Nature " want her say so I was up taking care of business-couldn't get back to sleep so I made a cup of tea then I heard the doors rattling. That startled me a bit until I realized that it was the wind and it was a blow'n hard out there knocking things over and scattering things about making a fair amount of noise. I didn't loose anything important the fence caught all the loose stuff. But there was a fair amount of dust and sand blown about as I was to find out when I went to town and saw the wind blown sand covering parts of the streets.
The reason for going to town today was that I had an appointment to have a pedicure-sure love my pedicures. My feet got soaked scrubbed, exfoliated and massaged then my toenails painted. All this felt wonderful The poor lady "Rose" giving the pedicure was working hard on my feet, these feet are large and the nails are tough so she had her work cut out for her. I have had nail fungus on the big left toe for quite some time and that has made the nail thick and hard I thought she would have to get out the sheet metal cutters there for minute, but she got them cut. I'm going to have to take better care of my feet. I now have a plan of soaking in Apple Cider Vinegar/water and using some sort of oil on them to help keep the fungus under control. I'll have to throw away my old sneakers away as they may be causing the problem. I need new ones any way. I'll let you know if this Apple Cider Vinegar is any good for fungus of the toe nails.
After the pedicure I did some shopping at the grocery store and picked up a repair kit for the garden hose that burst the other day. Now I have to get my ambition up to fix the hose and I'll be back in business watering with a hose instead of a bucket.. It is surprising how fast time flies! I blew half a day doing just stuff!
I was reading on the laptop and wanted to get a drink and when I stood up I noticed a huge puddle on the floor. At first I thought it was the air-conditioner sometime if the drain is plugged it leaks, but nothing was dripping from the air-conditioner. I opened the door and the floor outside was flooded with water too. I could hear water running so I followed the sound. The sound of running water led me to my hose bib where one of my hoses at split open and water was squirting out, hitting the side of the house then flowing down the porch and under the door to my living room. I turned the water off and started sweeping the water out of the house. What thing to happen the hose that split was the expensive hose not the cheap one …. go figure ?
I was was walking one day and came across a neighbor and with him was the man I bought my car through. I told him about the transmission problems with my car. He said he might be able to fix it and it would be shame to junk it. Long story short I agreed to have him check the car out. We met at the garage that had my car and I told one of the mechanics there that I was taking the car. He seemed a bit put out and said he thought I had sold it to the other mechanic. I told him no money had changed hands and I was taking the car. The car was towed to the other guys garage.
I got a call from the new garage to come have look at the car, when I did it was running again! This mechanic had drained the transmission fluid, cleaned the transmission filter and replaced the fluid, put in an additive and it was running and shifting like it should. So he suggested that he do a complete transmission service; all new fluid, new filter, and an additive and see how long it works. I went for it and now my car is running like it did. The cost for this service came to $140.00 including the tow to his garage.
I also found out from the new mechanic my car at the scrap yard is worth a lot more than two hundred dollars that the other guy was going to strip the car sell the parts and then scrap. Keeping the money for the parts for himself and giving me less than half what he wold get at the scrap dealer.
The new guy has a used transmission in-case this one fails again, and I am sure it will, that will cost about $600.00 installed. That I can do.
So far it has been a quiet fourth of July, subject to change this evening if enough people fire off their fireworks although I don't see to many folks here from out of town. To bad the weather is perfect.
I am sitting here watching the news from the "Old Country", it is like watching a science fiction movie, with bad actors playing the parts of the leaders.
The big brouhaha over the Obama Care thing almost makes me laugh but I choke and tears come to my eyes instead. What has happened is the "Law" has just delivered into the hands of the Insurance Corporations over 30 million new customers and even if they cannot pay for the premiums the Gov. is going to come up with the money to give to these Corporations, of course there are strings attached but that will be taken care of later by their friends in congress.
The Patriot Act is still in force the biggest set back to the bill of rights this republic has ever seen and it isn't going away.
Then there is the law about holding U.S. citizens prisoner in the U.S. by the military without trial, or judicial review. It was never explained who decides who is a terrorist. This is a terrible law and in the wrong hands can be used against all kinds of dissenters for any reason.
The rhetoric has become so fever pitched it would be comical if it weren't so serious. Some americans will believe any conspiriacy story about their government. They have good reason they have been lied to over and over. But, the real reasons are; they fear change, they need to blame someone else for their problems, they are ignorant selfish and mean. Some don't give a damn about anyone else but themselves and you can hear them at town hall meetings yelling "let 'em die" when health care is discussed or medicare, schools and such.
I am sure, without a doubt, that other countries all over the world have assholes just as we do and worse, but it doesn't make for a pretty picture in a country that was started to become "A shinning city on a hill". The shine is long gone and the hill is a garbage dump. JMHO YMMV.
This morning the Iron man came by and fitted a door onto the storage area for the water heater. This does two things; helps blog the wind from blowing the pilot light out and secures the water heater from theft and being messed with. This what the new door looks like.


text:
The Rhineland Cup (German: Rheinlandpokal) is one of the 21 regional cup competitions of German football. The winner of the competition gains entry to the first round of the German Cup. It is limited to clubs from the northern part of Rhineland-Palatinate, however, teams from the Bundesliga and 2. Bundesliga are not permitted to compete. It is one of two cup competitions in the state, the other being the South West Cup, which covers roughly the southern half of the state.

The competition is sponsored by the Bitburger brewery and carries the name Bitburger-Verbandspokal. In the past, it was sponsored by Oddset (Sports betting) and named Oddset-Pokal. It is operated by theRhineland Football Association, the Fußballverband Rheinland, or FVR.

The competition does not cover the whole of the historical region of Rhineland, only a part of it.

History
The Cup was established in 1953. The Rhineland Cup is played annually.

From 1974 onwards, the winner of the South West Cup qualified for the first round of the German Cup.

Since the establishment of the 3. Liga in 2008, reserve teams can not take part in the German Cup anymore, but are permitted to play in the regional competitions.

Modus
Clubs from fully professional leagues are not permitted to enter the competition, meaning, no teams from the Bundesliga and the 2. Bundesliga can compete. The fact that professional clubs were never permitted to compete in the competition accounts for the regions most successful club, Eintracht Trier, not taking out the cup until after it was relegated from professional football in 1973.

All clubs from the Rhineland playing in the 3. Liga (III), Regionalliga West (IV), Oberliga Südwest (V), Verbandsliga Rheinland (VI) and the three Bezirksligas (VII) gain direct entry to the first round. Additionally, the best teams out of the regional Kreis (District) cup competitions also qualify for the first round. The lower classed team always receives home advantage, except in the final, which is played on neutral ground.

Cup finals
Held annually at the end of season, these were the cup finals since 1954:

 Source:
 Winners in bold
 1 TuS Mayen left the field at 4–4, Metternich declared the winner.

Winners
Listed in order of wins, the Cup winners are:

References

Sources
Deutschlands Fußball in Zahlen,  An annual publication with tables and results from the Bundesliga to Verbandsliga/Landesliga, publisher: DSFS

External links
Rhineland Football Association
Fussball.de: Rhineland Cup

Recurring sporting events established in 1953
Football cup competitions in Germany
Football competitions in Rhineland-Palatinate
1953 establishments in West Germany

redpajama_set_name: RedPajamaWikipedia


Play bubble shooter games, egg matching games, online match 3 or more games for free, no download: Eggs Madness flash match 3 game, a funny egg bubble shooter game & visual puzzle for young kids (little girls & boys) in preschool, kindergarten, elementary school student age children, best friends online.
How to Play: A Flash-based, point-and-click, bubble shooter skill game for notebook, laptop and desktop PC / Mac (with certain browsers). In each progressively-difficult level, your goal is to completely clear the game grid by creating and eliminating matching groups of 3 or more adjacent, same-colored eggs. To do this, you must fire eggs from your egg cannon situated at the bottom of the game grid.
Aim using your computer mouse or touchpad, and Left Click to fire an egg. Use the large yellow arrow as an aiming marker – this arrow follows / mimics the movement of your computer mouse cursor. If the egg you fire creates a matching group of 3 or more, these eggs are eliminated from the game grid. A new row of eggs is intermittently added to the grid. If the eggs reach all the way to your egg cannon at the bottom of the game screen, you must re-play the level. The number of different colors in the mix increases as you progress. Enjoy the fun challenge!


Rooney Mara and Ryan 小鹅, gosling, 高斯林 on the set of Untitled Terrence Malick Project. . Wallpaper and background images in the Ryan 小鹅, gosling, 高斯林 club tagged: photo.
This Ryan 小鹅, gosling, 高斯林 photo contains 船工, 里窝那, 巴拿马帽子, 水手, 撇油器, 草帽, 船头, leghorn, 巴拿马, 巴拿马草帽, 撇乳器, 撇渣器, 软呢帽, 毡帽, 斯泰森, fedora, homburg, trilby, 洪堡, and 斯泰森帽. There might also be porkpie, porkpie帽子, pigpie, porkpie 帽子, 礼服帽, 帽子很高, 歌剧帽, 礼帽, 瘦腿, 顶帽, 海狸, 礼服帽子, 高帽子, 歌剧帽子, 丝绸帽子, 炉子, 高顶礼帽, 轻便短大衣, 高顶帽子, 宽边帽, and 阔边帽.


Can you get herpes from a towel?
Can you get genital herpes from using a towel?
Can you catch HPV from borrowing a bathing suit from an infected person?
Can you get herpes from a pool in vegas?
Can you get an STD from a towel?
Can you get diaper rash from a wetsuit?
Can you get herpes if you wear a pair of freshly washed underwear from that person?
Can you get herpes from a dog?
Can you get an STD from using a gym shower?
Can you get hpv from sharing a towel?
Is it possible to get a STD from sharing a bathing suit when either 2 girls have any stds?
Can you get herpes by using someone bathing suit?
Can you get genital herpes from a toilet seat?
Can you get genital herpes from wearing pants that an infected person wore before you?
Can you get genital herpes from wearing pants after an infected person wore them?
Can you get HIV from a contact sport?
Can you get vaginitis from sharing a toilet?
Can you get HPV from sharing a bar of soap?
Can you get an STD from trying on pants in a store without underwear?
Can you get warts (HPV viruss) from trying on clothes, bathing suits, shoes etc. in a store?
Can you get pregnant from trying a bathing suit on?
How quickly can you wear a bathing suit after breast augmentation?
Can you catch warts from bathing with someone?
Can you get herpes from a cup?
Can you get herpes from smoking?
Can you get mouth herpes from genital herpes?


Chris Brown is being criticized for his actions yet again. This time, he is not under fire for beating women, but for breeding dogs. Yes, you read that right.
I cannot stand Chris Brown. I instantly turn the channel when he comes on the radio or TV.


In 1977, Paul McCartney had a massive massive world-wide hit single with a song called "Mull of Kintyre," an acoustic guitar and bagpipe driven ode to a Scottish farm he'd owned since the Revolver days which is still one of the all-time biggest selling singles in the U.K.
Meanwhile, here in North America, "Mull of Kintyre" was deemed too Scottish? I guess? And so instead they released the b-side, an admittedly slight rocker called "Girls' School," that quite naturally I loved to death.


Finance Digitalisation causes many banks to adjust their approach to the development of their products and services. Today, more and more financial companies evolve by creating user-centered services and simpler and more convenient solutions. But it is not enough for creating the perfect user experience (UX). You also need to consider the weaknesses of user journey and Pain Points.
Getting to know the market and adapting to their preferences and goals are excellent strategies, but they have some traps and pitfalls. One of the key problems in the traditional approach to creating digital financial products is the orientation to "architect user interactions in a perfect way".
However, people are different and any problem in the user's experience can completely spoil the whole impression even if the other features are perfect. Addressing pain points will help avoid key problems and minimise their impact.
During the process of digital services creation, first, a so-called "key person" is identified, i.e., a perfect user of different types. The problem here is that apart from perfect interaction scenarios, real life also reveals the negative ones.
Another problem is the difference between users' financial products perception and those of experts and creators. Though top managers at banks and financial services make important decisions on product digital strategy, they can't always see it from the users' viewpoint, so they fail to consider the factors affecting banking UX. They create products based on their own understanding of service usage and their financial knowledge usually is better than users have.
All companies try to create perfect services that seamlessly address users' tasks. However, everyone doesn't always use a service in a predictable way due to the age, preferences, occupation, or residence. Therefore, it is necessary to find out, and then use, standard errors patterns.
Why Bother With Pain Points?
Many banking managers and experts don't see any problems in how products and services work, as in most cases, they work as intended. But perfect scenario for users doesn't always work.
Despite all the advantages, any problem impeding the performance of a specific task will completely negate the positive aspects and spoil the impression. This psychological perception peculiarity is determined by human brain evolution. After all, our brain had to remember dangerous or threatening situations to survive and avoid them in future.
Several independent researches confirm that the negative aspects of any actions or events outweigh the positive ones in human consciousness. One such research is the work of Nobel laureate Daniel Kahneman, in which he has conducted a number of experiments. For example, the results showed that most people would be upset from losing $100 from a bet rather than be happy to win $150. These events expectancy was equal (50%) but there were fewer volunteers to make a bet.
As far as UX is concerned, what the financial company management and staff may see as an insignificant pain point can be experienced as a large-scale problem by the user. That's very important in the context of the world demographic changes because in the coming years, the primary customer groups of the main financial companies customer groups will be Millennials and Generation Z.
In addition, customers also actively share their user experience online by reviews on special sites and in social media. As a result, the UX error that banks presume to be insignificant can lead not only to a loss of a particular customer, but also spread negative opinions that can ruin the bank's reputation.
Our company often gathers research and user stories about their banking experiences. We are often surprised by the results, as detected pain points can be easily and promptly fixed with minimal costs. Unfortunately, financial organisation experts underestimate the impact of these factors regarding customer loyalty. So we decided to quote the users from our studies of different services.
We want to share the stories on 10 key scenarios in the product use. Of course, your customers also have some of these pain points. We hope our reviews will help you identify potential problems experienced by real users and find a solution.
I decided to open my very first Bank account. I carefully studied banks offers and chose the one that promised online registration, without visiting a branch. I filled a long registration form, confirmed my identity by a video call to the Bank. Then it turned out that identity verification needs a payment from another bank account, though I haven't been warned of this. As this was going to be my first bank account, I wasn't able to do to this request. So, I still had to visit a branch.
I moved to a new country to work on a new project. I needed a local Bank account for payroll. I chose the app of a large Bank and downloaded it. Unfortunately, instead of registering via smartphone, the app sent me to the site. Having spent some time on searching the registration form, I finally filled it, but the Bank required to confirm my identity. I had to go to the branch to do this. Then, I was informed that I needed additional documents to open my account as I was non-resident. Needless to say, I didn't have them with me as I wasn't aware of that. It turned out that I spent the entire day in bank with millions of customers and did not help me. Then I downloaded the mobile-only challenger bank, undergo a video registration and got the IBAN salary account in 10 minutes.
Onboarding becomes particularly important in digital era. It can be a productive introduction to a new service, or a challenging obstacle that deters customers. The banks of the future should provide a full digital onboarding. It needs to be fast, intuitive and frictionless. So, banks need to cooperate with regulators to develop onboarding safety requirements fitting modern digital reality.
I connected the PIN code for a quick authentication instead of a password. The authentication screen displayed the enter box, keypad and exit button. I wanted to go to the preloading screen where the ATM map was and taped on "exit". It turned out to reset my PIN. Next time I had to do a full authentication process in the app and create new PIN.
I often make mistakes when entering Bank password. From time to time it leads to a situation that the Bank blocks my access. I have to urgently find the time to go to a branch, stand in line and unblock the access to the Internet Bank.
I use different banking apps. What really annoys me is password changing or reconnecting my Touch ID every few months or after a certain number of enterings.
In recent years, many banks have focused on the simplification of authorisation. Innovations are constantly emerging in this domain. While it is great, they are often limited by the regulations and rules. Still, it's worth remembering that security also is a very sensitive aspect for financial services users. Therefore, the right balance between security and convenience is necessary here. In any case, the interests of the client should prevail. Log in difficulties or problems shouldn't create obstacles for the customer. After all, no one would go to a restaurant with a locked door.
I couldn't find the available daily limit for outgoing payments. Imagine my surprise when I phoned bank and I learned that it is in the "Useful information" section and that actually it is a new functionality for online bank. I had a feeling that when this function was added online, it had no other place to be put in.
My corporate Internet Bank has transferred to a new version. It has become more like a mobile app. Many functions disappeared, and the ones left were hard to be found. I had to regularly call tech support since it was not clear where to find the needed functions.
When you fill in the payment form, the "Next" button is grey, and "Save as template" green. On the next page — the green button is "Confirm" and the grey "Back". In the first step I have pressed "Save as template" instead of "Next" so many times!
The navigation displays the informational architecture of a digital service. It should meet the most important users scenarios, and help solve their problems. The navigation should be designed to the users' perceptions and not to the technical systems' characteristics, the bankers' ideas, or designers' imagination. UX methods (card sorting) help expose errors in this domain. Navigation should be intuitive for a customer, with clear instructions that are easy to use and match their priorities.
Unlike for individuals, the balance quick review function is unavailable for business customers. I have to undergo a minute authorisation every time I want to check the company's account.
While filling in the payment form and choosing the account from which to make the payment, I noticed that three of my accounts have the same account balance - 1,500 EUR. It was significantly less than supposed to be. I immediately contacted the Bank and they explained to me that they do not show the entire balance — only the maximum funds available for transferring.
I filed a leasing request in my Bank branch. When I entered my online Bank I couldn't find the data on my lease status in "My credits" sections. I had to call the Bank to learn my balance.
Knowing a balance is one of the most important banking users' scenarios. There should be no confusion for the user. They shouldn't be confused by the figures of underlying mathematics. Instead, they should be able to easy obtain the clear information on any of their accounts: payroll account, loan balance, or family savings account. The user just wants to know account balance, it isn't rocket science.
I had to spent 30 minutes to export 10 payments data from my business account for the tax authority. I have this function available in one click for my personal account in the same Bank. Why business is left out?
The transaction list at my Bank shows older transactions on top, but the last one at the bottom. I have to scroll down the screen every time I want to check the last transaction and that's very annoying.
I can't filter out transactions or use search in the mobile app. So, I have to scroll the list and hope for luck to find the proper transaction.
There is a field for amount and "Send" button on the home screen of my mobile app. But I only can use saved receivers to continue payment, I can't choose new one. For a new payment to new receiver I have to choose section "Recipients", add a new one and go to "Payments" to fill in the new payment form.
Me and my friend use the same Bank mobile app, but we couldn't split the bill in a bar, so I had to fill in his data in the payment form standing outside in a freezing cold. Why the Bank can't just sync my contacts so that I can just select his name from the list? I know that other Banks have such option.
I tried to transfer money to an account at another Bank. After filling in the form and pressing 'Send' I got the message that my daily limit of transfering money to other banks is exceeded. The Bank didn't even offer me to increase the limit to finish this transfer. I felt small and helpless. As if the limits aren't created for my safety, but for my control.
We are pleased to see that bank payment interfaces are becoming simpler each year. Users hate long forms and complex processes. Anyway, digital payments function should be satisfactory. Otherwise, the digital solution doesn't improve user experience, but frustrate them. Digital technologies allow us to move complex banking procedures to the background. Challenger Banks ar a good example here.
The purpose of payment limits is to ensure the user's security. The user should have online access to a flexible configuration of any financial transaction. In cases when limits prevent users from completing a task, they should be easily and instantly changed. Ultimately, it's the user's money, and banks only help manage it.
The most annoying thing is when I fill in the entire form of the payment form, press "Send", and it turns out that I don't have enough money on the account. Why couldn't they just show it before I press "Send"?
I recently got a call from disgruntled service provider threatening me with a fine for the unpaid bill. It turned out that my mobile banking showed the confirmation screen when settling the bill payment but the transaction somehow failed.
It's often clear that banking functions don't communicate with users and don't help at critical moments. Any interface should provide sufficient user feedback. It's the only way a user can understand what is going on. It can be done by notifications, messages, and tips. Critical actions such as transactions should be prioritised.
My app doesn't send me notifications about incoming payment if it is in different currency than my local one. Since I am a freelancer — such transactions are prevailing, so I don't know whether the client paid for my work or not.
My bank does not send me notifications for by business accounts, although I do receive notifications for my personal accounts. I have to authorise in the app ten times a day to validate a business transactions.
For most users, notifications are an important tool to keep control on their financial activity. Therefore, banks should pay special attention to them. There shouldn't be too many notifications, only relevant ones. Notifications must be set for a wide range of functions. The lack of real-time financial activity monitoring, especially if it has already been implemented by bank for similar functions, frustrate users and deprive them of control.
I wanted to update some information in my profile, but realised that I can't do that because the fields were not editable. I called customer service and found out that some information can be updated only in branch. Why should I bother and spend my time to stand in a line just because Bank doesn't allow me to give necessary information online?
Users can update their personal information in a simple and fast way in many online services. Why should it be complicated with banking services? Maybe it's worth seeing how other services (dealing with similar information) work to get a good idea on improving the UX.
I needed to transfer money to my mom. As I didn't have enough funds in my account, my husband would transfer the money from his account. I had to quickly share my mom's account details with my husband. I could not copy the account number from the transaction history nor copy it from her mobile Bank. I had to find a pen to write it on a paper and then send it in a message.
We live in a time of global social connectivity. We can easily share any information with anyone. Users expect that to be instantly available everywhere. They should be able to easily send each other account numbers and information on the bank's products. They also look forward to sharing online reviews on the bank's services. Integrate a social component in your bank and you'll be surprised how much your service can win from it.
As we can see, it's not enough to use the method of key user personas and standard User Journey Map creation for a perfect service. We also recommend the addition of Failure Mapping. It involves conducting UX audits of existing products and services to find possible pain points discovered by users. In case of engineering new service, Failure Mapping should be integrated in User Journey Map. As a result, you will receive a map of the key user experience problems that generates Pain Points.
This will help explain what would happen if a user deviated from a key usage scenarios conceived by the creators, or decided to implement them in an unusual way. Failure Mapping will help identify possible problems and create a solution before ruining the product's reputation, especially if numerous resources were used for development.
Failure Mapping method involves the identification of product usage scenarios or services causing problems. List of such scenarios should be enough to cover key problems and include maximum personalisation with different combinations of major demographic and personality factors, and the goals of users.
As there will be investigation into possible non-standard ways of product interaction, the designer should not only review all the stages and focusing on the maximum conversion, but also try to understand the thoughts of a user and their intentions. At this point it would be useful to conduct tests with real users. This will help clarify that some aspects of interaction are influenced by the factors that the product developer cannot predict–for example, user actions may be influenced by information from social media or from the online search.
Beside experiments, you can use available statistics data (conversions, churn, etc.), and satisfaction metrics like NPS, Customer Experience Index (CxPI), or the American Customer Satisfaction Index (ACSI). This will help better understand the user's dissatisfaction.
Bear in mind that searching for design errors that irritate users is a constant process. The mission is not accomplished after making a Failure Map. Periodically, it's helpful to conduct an audit to identify any new problems that may occur in the development of the service from user perspective, and then eliminate them beforehand.
Searching and eliminating user pain points is one of the most important tasks of the financial user experience. Technological development and world demographic changes influence companies to shift from making products for the "perfect scenario" to a more profound focus on real problems.


Reports this morning are that Fulham have made a £9m offer for Dedryck Boyata, possibly signalling the end of the 27 year olds Celtic career. Boyata is entering the final year of his contract and as early as October Celtic have known that he may well be moving on this summer.
Boyata has had his ups and downs at Celtic, but from January last year has been Brendan's first choice centre half. In Octoberthe club first attempted to speak with his agents about a new deal but they have not responded to repeated requests for a meeting since then, making it clear that they were waiting to see how much World Cup time he got and how this added to potential interest. As we know, Belgium reached the Word Cup Semi's and Dedryck played in most games. after such a tournament, the interest from England, Turkey, Spain and France has been no surprise.
There are some still unsure of Dedryck (one of whom writes for this site) but he was a key member of the Belgian side who reached the World Cup semi-final and has been one of Brendan's first picks for around 18 months. He is a World Cup star, however to get circa £10m for a player in the final year of his contract would be a terrific piece of business and with the English window closing this week, matters will be resolved quickly. Hopefully with all these funds and with the English loony window closing early WE can start getting some business done.


OpenSSH is a compatible, free open source implementation of the original SSH protocol. It enables you to replace obsolete, insecure protocols and services (like Telnet, rlogin/rsh/rcp), or – if a replacement is not possible – to provide additional security for them (via tunneling).
You can open terminal sessions, X sessions or copy data. Therefore SSH is often used for remote maintenance.
ssh (OpenSSH client program) – ssh is the SSH client program OpenSSH provides. It is used for logging in to a remote machine and for executing commands on it.
sshd (OpenSSH server daemon) – sshd is the SSH server daemon OpenSSH provides. It is used for providing clients access via SSH to a machine, e.g. for executing commands on it.
file-transfer – Securely copy files using SSH.
SSH keys – It is possible to use Public-key cryptography instead of passwords for authentication.
Seahorse – Comfortable GUI to manage your GnuPG and SSH keys.
putty – Cross platform terminal emulator (SSH/Telnet/rlogin/raw TCP) including session management GUI.
FileZilla – Free and fast (S)FTP client with GUI.


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Home » Memory Supplements » Ceralin Forte
Ceralin Forte Reviews – Does This Product Really Work?
Ceralin Forte is designed to improve cognitive function by providing support and protection for the nerves and brain and protecting against oxidative stress.
Ceralin Forte Overview
Overview Of Ceralin Forte
Ceralin Forte is claimed to provide multidimensional support for brain and nerve health by protecting against oxidative stress and improving mitochondrial function, methylation, and circulatory health. It is said to contain a blend of vitamins and other ingredients that act within the brain and nervous system crossing the blood-brain barrier alongside grape seed extract for better vascular and nerve health.
The product is sold on the brand's official website, and Ceralin Forte Reviews, so far, have been mixed despite the claims by the manufacturer.
How Does Ceralin Forte Work?
Ceralin Forte is designed to improve cognitive and nerve health by providing support and protection against oxidative stress. It is also claimed to support healthy mitochondrial and circulatory function, methylation and homocysteine metabolism for improvement in cognitive performance and overall health.
The product is supposedly formulated with acetyl-l-carnitine, folate, and NAC amongst other ingredients, such as the blends of vitamins and concentrated grape seed extract claimed to support vascular and nerve health and also cross the blood-brain barrier.
Who Is The Manufacturer Of Ceralin Forte
Ceralin Forte is manufactured by Metagenics, a supplement maker based in the United States. The brand formulates, manufactures, and markets a wide range of health supplements sold on the official website. According to the brand, the products are manufactured in their FDA-regulated facility following the required manufacturing guidelines for quality and hygiene.
According to the brand, each batch of the formulas is tested in different stages of development for quality retention. Like Ceralin, the brand's other products are competitively priced and do not seem to have received negative reviews or complaints about their side effects.
Ceralin Forte Review – Health Web Magazine Images
What Are The Ingredients In Ceralin Forte?
Here are the primary ingredients in this formula according to various online sources:
Vitamin B1/Thiamine – Vitamin B1 is one of the active ingredients in this nootropic formula. It is often included in wellness formulas for its many beneficial effects on nervous health and conditions such as Alzheimer's. The ingredient has also been shown in studies to hold mood-improving effects and aid learning, as well as increase energy levels and minimize stress for better performance.
Riboflavin – Riboflavin [1] is another ingredient in this formula. It occurs naturally in food sources such as green veggies, meat, nuts, and eggs. Its use has been linked with nervous health improvements and improved cognitive performance.
Acetyl L-Carnitine – Acetyl L-Carnitine is often used in formulations for brain health and wellness for its beneficial effect on cognitive function and overall health. In studies, its use was connected with better brainpower, memory, and concentration.
Grape Seed Extract – Aside from protecting vascular and nerve health, grape seed extract has been shown in some animal studies to prevent memory loss, improve cognitive performance and brain antioxidant levels preventing conditions such as Alzheimer's disease. Its use was also linked with reduced brain lesions and amyloid clusters.
Other ingredients in the formulation include silica, magnesium stearate, vitamin B6 and 12, gelatin, niacin, and microcrystalline cellulose.
The Science Behind Ceralin Forte
Ceralin Forte is a natural supplement intended to improve cognitive function and health by protecting the brain against oxidative damage or stress. According to the brand, it is formulated with a blend of natural ingredients. It is said to be quality and included in optimal amounts for maximum benefits.
The ingredients include riboflavin known to hold cognitive and health-boosting effects, acetyl l-carnitine for its effect on cognitive functions, and grape seed extract and thiamine often used for their nerve health-protecting effects and their positive effects on the mood and energy levels. However, there are no third-party clinical trials or tests on the product despite its many claimed benefits.
What Are The Benefits Of Ceralin Forte
The ingredients of this product are clearly outlined.
Ceralin Forte may improve memory and concentration.
It may lower stress levels and increase energy.
The product may help protect the brain.
What Are The Drawbacks Of Ceralin Forte
There are too few customer reviews.
Ceralin Forte has no third-party clinical trials available for this supplement.
It may not be as efficient for people with severe cognitive conditions.
There are no free trials provided by the company.
In our research for this report, we found that consumers are frequently asking the following questions online in regard to Ceralin Forte.
Is Ceralin Forte Safe? Warnings & Complaints
Ceralin Forte is made with known and safe ingredients and does not appear from the reviews to have caused any serious side effects. However, unless recommended by a health professional, the product may not be used by pregnant and nursing women, people on medications, and people with a history of kidney stones or seizures. It should be discontinued, and medical attention provided if severe adverse reactions occur from use.
How Much Does Ceralin Forte Cost ?
The product is sold on the official site and through various retailers online. The pricing may also vary by retailer.
How Should You Take Ceralin Forte ?
The recommended dosage is three capsules daily with water or as directed by a healthcare professional.
Does Ceralin Forte Provide A Free Trial Or Refund Policy?
The brand does not offer free trials. They provide refunds on products purchased from them or their authorized sellers if returned within several days of purchase.
However, it is hard to tell who the authorized sellers are as the product is sold in many stores online.
How Does Ceralin Forte Compare To Other Nootropics ?
Ceralin Forte contains ingredients like acetyl-l-carnitine used in many similar supplements. It is also around the same price range, and just like these products, its effects may vary from user to user.
What Are The Side Effects Of Ceralin Forte ?
Side effects that may be experienced by Ceralin Forte due to the combination of ingredients include nausea, headache, jitteriness, vomiting, and diarrhea.
Is Ceralin Forte Worth It?
Ceralin Forte is not the cheapest nootropic on the market, and like many other products, its effects might vary. While the brand accepts returns, it is not clear if this is only allowed with unopened products, and there is no better way to judge a product's ability than by first giving it a try.
What Are Consumers Saying About Ceralin Forte
Ceralin Forte Reviews online are mixed though few. While some of the reviewers claimed to have experienced improvements in their cognitive performance, energy levels, and health with use, other consumers said it did nothing for them.
More than ever people of all ages are struggling with memory problems. People are unable to disconnect from their work, while students are under immense pressure to perform. Brains are overloaded with information that must be remembered. A quality memory enhancement product should contain clinically proven ingredients that will help to enhance not only memory, but also focus and concentration. Memory products should help to optimize overall mental health and brain function. Most importantly a memory product should work safely and gently to promote cognitive function.
Below you'll find some of the most effective memory products on the market today, in our opinion.
See Which Product Is Better Than
Ceralin Forte
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redpajama_set_name: RedPajamaCommonCrawl


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KEY COUNTRY FACTS
System of government:
one party state
renminbi/yuan (CNY)
FX regime:
managed float
GDP:
US$9.33 trillion (2014)
IGTA member:
FATF member:
Treasury association:
International Association of CFOs and Corporate Treasurers (China)
Other professional financial/banking associations:
Shanghai Banking Association
China Banking Association
1 Financial regulatory framework
1.1 Bank supervision
1.2 Exchange controls
2 Taxation framework
2.1 Corporate income tax
2.2 Taxation of dividends and interest
2.3 Transfer pricing
2.4 Thin capitalisation
2.5 Controlled foreign companies
2.6 Capital gains tax
2.7 Indirect taxes
3 Accounting framework
3.1 Key principles
4 Banking service provision
5 Clearing and payment systems
5.1 Clearing systems
6 Cash and bank account management
6.1 Account availability
6.2 Money laundering
6.3 Cash concentration
6.4 Cross border cash concentration
6.5 Notional pooling
6.6 Electronic and internet banking
7 Liquidity management
7.1 Short-term investments
7.2 Short-term borrowing
8 Corporate finance
8.1 Capital markets
8.2 Risk management instruments
Financial regulatory framework
Bank supervision
The PBC was responsible for banking supervision until 2003. As part of a package of reforms designed to improve the stability of the Chinese banking system, the China Banking Regulatory Commission (CBRC) was set up to supervise banks and other financial institutions. Alongside the CBRC are separate commissions regulating China's securities market (China Securities Regulatory Commission) and insurance industry (China Insurance Regulatory Commission). The State Administration of Foreign Exchange (SAFE), operating under the auspices of the PBC, manages China's external debt and oversees the country's exchange controls.
Exchange controls
The currency in China is the renminbi (RMB) and the currency unit is the yuan. China continues to apply exchange controls, although there has been some relaxation in recent years. Companies are now permitted to keep foreign currency receipts and retain them in their current account according to their operational needs rather than within a quota. Outward direct investment is permitted and there are no limits on the amount of foreign exchange that can be purchased for overseas investment. Companies are now permitted to pay initial expense costs with foreign currency, in advance of any direct outward foreign investment. The restrictions on the number of banks permitted to provide RMB forward foreign exchange and non-RMB foreign exchange transactions have been relaxed. Non-residents are permitted to establish entities in China, subject to approval from the Ministry of Commerce or the relevant local agency. Any company in China is permitted to invest forward foreign exchange earnings in overseas branches, subject to approval from SAFE. This approval process is also being simplified in order to encourage greater overseas investment by domestic firms.
Taxation framework
The Enterprise Income Tax Law (EITL) governs both foreign investment and domestic-funded enterprises under a single unified tax system. The EITL taxes both domestic and foreign enterprises at a flat rate of 25%, with the same expense deduction criteria and available tax incentives. The principal incentives include a 15% preferential tax rate applicable to new/high-technology enterprises and a 50% super deduction for qualifying R&D expenditure. There is a geographically based incentive focused on new/high-technology enterprises established as from 2008. The incentive (in addition to the 15% rate that applies to all new high-technology enterprises) is a two-year tax holiday followed by three years at a 12.5% rate. The 15% preferential tax rate also is granted to qualified high-tech service enterprises in 21 specified cities between 1 July 2010 and 31 December 2018. Encouraged industries in certain regions (e.g. western China, Hengqin (Guangdong), Pingtan (Fujian) and Qianhi (Shenzhen)) enjoyed a reduced 15% enterprise income tax rate until 31 December 2020. Tax exemptions and other preferences apply to the agriculture, forestry, animal husbandry and fishery sectors, software and integrated circuit industries, major infrastructure projects, certain environmental projects and certain transfers of technology.
Taxation of dividends and interest
Although the EITL provides for a 20% withholding tax, the rate is reduced to 10% under the implementation rules. Chinese-sourced income (including dividends, interest, royalties and other payments derived by foreign enterprises without a permanent establishment in China or where the income generated is not effectively connected to the foreign enterprise's establishment in China) is subject to withholding tax. Dividends paid to a foreign investor or a foreign investment enterprise were formerly exempt from withholding tax, but the situation has changed under the EITL, with a 10% withholding income tax introduced. Specific guidance (Caishui [2008] No 1) further clarifies that the retained earnings of a foreign-invested enterprise accumulated up to 1 January 2008 that are distributed to its foreign investors in or after 2008 are still exempt from withholding tax. Profits newly created in 2008 and later years that are distributed to non-resident corporate investors are subject to a 10% withholding income tax unless a preferential treaty rate is available under a tax treaty (or a tax arrangement).
China has transfer pricing rules. China has adopted a broad definition of associated enterprises with a strong emphasis on control. An entity with significant control over the taxpayer's senior management, purchases, sales, production and the intangibles and technologies required for the business is defined as a related party. Accepted methodologies are the comparable uncontrolled price, resale price, cost plus, transactional net margin, profit split and other methods in compliance with the arm's length principle. Contemporaneous documentation is required (with certain exemptions) and cost sharing agreements may be used for developing intangible property or for shared services arrangements.
Thin capitalisation
China imposes mandatory debt-to-equity ratios for foreign-invested enterprises, and the equity of a foreign-invested enterprise should be paid up within a stipulated time period. The EITL has a thin capitalisation rule, which is further specified in specific rules (Caishui [2008] No 121): a debt-to-equity ratio of 2:1 for general enterprises and of 5:1 for financial enterprises. A deduction is not allowed for interest expenses incurred on any related-party debt investments exceeding these debt-to-equity ratios, unless the underlying transactions are in compliance with the arm's length principle (demonstrated through contemporaneous documentation), or the interest expenses are payable to domestic-related parties subject to higher effective tax rates. The implementation rules of the EITL clarify that "debt investments" refers to arrangements where an enterprise has directly or indirectly acquired financing from related parties, and where the enterprise is required to repay the principal and make interest payments to the lending party (or any other form of compensation which is of an interest payment nature).
Controlled foreign companies
Under the CFC rule in the EITL, where an enterprise is "controlled" by enterprises resident in China or jointly "controlled" by Chinese resident enterprises and individual Chinese residents, is established in a country or region where the effective tax rate is lower than 12.5% (the new tax rate under the EITL) and the CFC either does not distribute profits or distributes less profit than it should (without justification), then a portion of the CFC's profits will be attributed to the Chinese resident enterprise and included in the latter's taxable income in the current period. The implementation rules further clarify that the term "significantly lower" than the effective tax rate of 25% means that the effective tax rate is less than half of the 25% tax rate. In addition, the term "controlled", as cited above, includes: a resident enterprise or an individual resident of China directly or indirectly holding 10% or more of the total voting shares, and such resident enterprise(s) or individual resident(s) jointly holding more than 50% of the total shares of the foreign enterprise; and cases where the shareholding percentage of the resident enterprise(s) and individual resident(s) of China does not meet the percentage standard as stipulated above, but substantial control is formed over the foreign enterprise in respect of shareholding, financing, business, purchase and sales, etc.
For resident companies with foreign investments, capital gains are taxed as part of a company's taxable profits at the applicable corporation tax rate. Capital gains derived from the transfer of equity interest are calculated as the difference between the sale proceeds and the original cost of the investment. Specific guidance (Guoshuihan [2010] No 79) further clarifies that undistributed profits and other reserves of shareholders are included in the computation of capital gains. Chinese-sourced gains derived by foreign companies from property transfer are generally subject to a 10% withholding income tax under the implementation rules of the EITL. Specific guidance released by the SAT (Guoshuihan [2009] No 698) addresses the transfer of an equity interest by non-resident companies. It outlines reporting requirements and taxation guidelines for non-residents' direct and indirect transfers of Chinese resident companies' equity interests. A 10% withholding income tax will generally be imposed on the gains from the transfer of a Chinese resident company by a non-resident company unless an exemption is available under a tax treaty. Subject to the SAT's approval, the tax authorities may disregard the existence of an offshore intermediary holding company and tax the transfer of its shares in China where the parties to the transaction are considered to have abused the legal form and conducted the transaction with a view to avoiding Chinese tax, without bona fide commercial purposes.
VAT is generally levied on the sale of goods, the provision of repair and replacement services, and the importation of goods into China. The taxpayer will be responsible for output VAT based on taxable income, while the input VAT paid on the purchase of goods or services should be available as a credit to offset against output VAT. The standard VAT rate is 17%, but there is a reduced rate of 13% (for food grains, tap water, heating, natural gas, books, feeds, fertilisers). Generally export goods attract a zero rate of VAT. The VAT reform programme, which was launched in Shanghai on 1 January 2012 and expanded nationwide on 1 August 2013. The aim is to transition service industries from liability to Business Tax to liability to VAT. The reform applies to the transportation industry, certain modern service sectors (e.g. R&D and technology services, leasing of moveable and tangible goods, etc.), postal services and telecommunication services. The standard VAT rate is 17%, with a lower rate of 13% applying to certain foods, goods, books and utilities. A 3% rate applies under the small-scale taxpayer scheme. Lower rates apply to certain transactions involving used goods. Exports generally are zero-rated. The rates under the VAT reform program are as follows: •	17% for the leasing of movable and tangible goods; •	11% for the transportation sector, postal and basic telecommunication services; and •	6% for value-added telecommunication services and other modern services. s.
Tax information provided by Deloitte Touche Tohmatsu and Deloitte Highlight 2015 (www.deloitte.com).
Accounting framework
Chinese accounting standards are set by the China Accounting Standards Committee (CASC), which operates under the direction of the Ministry of Finance. Chinese accounting standards follow the accrual basis of accounting. In February 2006, China adopted a new basic accounting standard and 38 new Chinese Accounting Standards. The new Chinese accounting standards are broadly similar to International Financial Reporting Standards, although some differences remain. These new standards become compulsory for listed enterprises from 1 January 2007. Other enterprises are encouraged to adopt them. From the end of 2009, large and mid-scale companies operating in China, along with central level State-Owned Enterprises have had to adopt accounting standards that are in line with International Financial Reporting Standards (IFRS). These companies only make up around 1% of all business operating in China.
Accounting for financial instruments (derivatives and capital instruments) The Chinese approach to accounting for financial instruments is broadly similar to International Financial Reporting Standards. Unlike IAS39, the new Chinese Accounting Standards do not use the concept of embedded derivatives.
Banking service provision
Commercial banks operate according to the terms of the 1995 Commercial Bank Act. China's four largest banks are state-owned commercial banks. The Industrial and Commercial Bank of China, the Agricultural Bank of China, the China Construction Bank and the Bank of China operate nationwide. Management in these banks is decentralised and each branch is responsible for pursuing its own commercial activities, which can create difficulties for companies seeking to manage cash across branches. There are 12 joint-stock commercial banks operating in China. These are also state-owned banks offering a full range of banking services. On a regional level, there are 145 city commercial banks operating in distinct geographical areas and providing retail and corporate banking services. There are also 468 rural commercial banks and 122 rural cooperative banks. In 1994, the Agriculture Development Bank, Export and Import Bank of China and State Development Bank were established to provide specialist banking services. Foreign banks have a growing presence in China. The banks have been permitted to offer foreign currency services since 2002, and since December 2006 they have been able to provide a full range of banking services to Chinese customers if they were locally incorporated. There are currently 41 locally incorporated foreign banks and 95 branches of foreign banks that had received approval to conduct RMB business in China. Individual foreign investors are permitted to take a maximum 20% strategic stake in local banks, whereas the combined foreign shareholding limit is 25%.
Clearing and payment systems
Clearing systems
China has five domestic currency clearing systems:
The central bank-operated China National Advanced Payment System (CNAPS), which has two modules – the LVPS (a real-time gross settlement [RTGS] system for high-value and urgent payments), and the BEPS (a bulk payment system for low-value payments).
China National Advanced Payment Systems – Large Value Payment System (CNAPS-LVPS): CNAPS-LVPS is a real-time gross settlement system operated by the People's Bank of China (PBC). It is used for all electronic transfers with a minimum value of RMB 50,000 and for all electronic payments with a value above RMB 1m. At present, CNAPS covers over 800 cities in China. To have access to CNAPS, a bank must have a settlement account at a branch of the PBC.
China National Advanced Payment Systems – Bulk Entry Payment System (CNAPS-BEPS): CNAPS-BEPS is used for electronic credit transfers with a value of less than RMB 50,000, and for pre-authorised collections and dated debits.
The Local Clearing Houses which process and settle paper-based credit and debit payments. China has a network of local clearing houses, most of which are owned and operated by the PBC. The remainder are owned by the participant banks. Local clearing houses clear all paper-based credit and debit items, the overwhelming majority of which are cheques. There is no limit to the value of items processed in LCHs. Payment data can be submitted via electronic banking systems; although to be processed it must be supplied in a simplified Chinese format.
The Cheque Imaging System (CIS) for the nationwide clearing of RMB-denominated cheques. It truncates paper-based cheques into electronic items for improved processing.
The Internet Banking Payment System, also known as the Online payment interbank settlement system. This allows real-time interbank transfers and account enquiries by linking up most commercial banks' online banking systems. During 2012 the system was rolled out nationally. Previously, interbank transfers made online via these institutions took between one and two days to clear.
The China Domestic Foreign Currency Payment System (CDFCPS) settles currency payments in eight international currencies (AUD, CAD, CHF, EUR, GBP, HKD, JPY and USD). The central bank has also developed a newer payment system to process cross-border RMB payments. The Cross-border Interbank Payment System (CIPS) was launched in 2015.
Cash – is the most important payment instrument in the retail sector in China. In terms of non-cash payments, electronic credit transfers have become the most popular method of making payments in China by value. Electronic credit transfers and bank drafts are the main methods of making intercity payments. There has been a rapid increase in the use of cards as a means of payment, which now account for the vast majority of non-cash payments by volume.
Credit transfers (electronic payments) – electronic credit transfers are an important method of making payments, especially in the large financial centres. Because of the difficulties with making inter-city cheques, electronic credit transfers are important for inter-city payments.
Direct debits – direct debits are becoming available in China, although their use remains low. Direct debits are usually used for paying utility bills and making insurance payments.
Card payments – at the end of 2014 there were approximately 4.5 billion debit cards and 455 million credit cards in circulation. The vast majority of bank card holders are based in China's major cities; the 2014 national average of 0.34 cards per person in China rises to 1.7 cards per person in Shanghai and 1.33 cards per person in Beijing. Since 2011 the PBC has been promoting the issuing and use of IC-based bank cards in China. These are chip-embedded smart cards, which as well as being used for normal payment card services, can be loaded with applications to receive government services such as social insurance. China UnionPay (CUP), launched in 2002 by the government and co-owned by card issuers, is a single nationwide acceptance and settlement system for all credit and debit cards in China. In 2014, the Chinese government announced it will permit foreign card providers to clear domestic card payments.
Cheques – in 2014, 552 million cheques with a value of RMB 242.6 trillion were processed in China, a decrease of 17.2% in volume and 6.5% in value on the previous year. Company cheques must be signed by hand and stamped with the official company mark to be valid. Cheques are only valid for ten days. Cheques have been primarily used for intra-city payments because of the absence of a national cheque clearing system. However, the introduction of the National Cheque Image Exchange System (CIS) in 2007 has reduced clearing times to as little as three days.
Electronic money – there has been a limited adoption of electronic money schemes in China. Pre-paid cards are used for high-volume, low-value transactions. To date, electronic money is available in the larger cities to pay for specific items, such as public transport in Shanghai.
Cross border – cross-border transactions are settled via correspondent bank networks. The major banks have direct SWIFT connections. Some banks also issue foreign currency bank drafts.
Cash and bank account management
Account availability
Residents are permitted to open and maintain domestic (RMB) bank accounts. Subject to regulatory approval, resident legal entities may maintain foreign currency accounts in China. Residents may also open foreign currency accounts abroad, but must first gain approval from SAFE. Non-resident companies are permitted to hold currency accounts in China, denominated in domestic (RMB) and foreign currency.
China has implemented anti-money laundering legislation (Articles 191, 312 and 349 of the Criminal Code of 1997; Rules for Anti-Money Laundering by Financial Institutions of 2003; Regulations on Anti-Money Laundering for Financial Institutions of 2003; Law of the People's Republic of China on Anti-Money Laundering of 2006; Regulations on Real Name System for Individual Savings Accounts of 2006; Rules for Anti-Money Laundering by Financial Institutions of 2006; Administrative Rules for Reporting of Large-Value and Suspicious Transactions [entered into force March 2007]; Rules on Reporting Suspicious Transactions for Terrorist Financing by Financial Institutions 2007 and Administrative Rules for Financial Institutions on Customer Identity Verification and Record Keeping of Customer Identity and Transaction Information and Decision of the Standing Committee of the National People's Congress on Strengthening Counter-Terrorism Work 2011. Further AML Rules were issued in December 2012). China is a member of the Eurasian Regional Group on Combating Money Laundering and Financing of Terrorism (EAG), the Asia-Pacific Group on Money Laundering (APG) and is a member of the Financial Action Task Force (FATF). China has established a financial intelligence unit (FIU), which is housed within the People's Bank of China (PBC). The FIU is split into two operational units namely, the Chinese Anti-Money Laundering Monitoring and Analysis Centre (CAMLMAC) and the Anti-Money Laundering Bureau (AMLB).
Supplied by BCL Burton Copeland (www.bcl.com). Data as at January 2015.
Cash concentration
Cash concentration is a liquidity management capability whereby account balances are physically transferred to/from a single account (known as a master, header or concentration account) for liquidity management purposes. Cash concentration can take these forms:
Zero balancing (ZBA) – sometimes referred to as sweeping, zero balancing is a cash concentration capability whereby the total of all account balances is physically transferred into a nominated account.
Target balancing – also known as sweeping, target balancing is a cash concentration capability similar to ZBA, whereby all account balances are physically transferred into a nominated account leaving a predetermined amount in the sub-accounts.
Threshold balancing – a cash concentration capability similar to ZBA, whereby the balances of the sub-accounts are physically transferred in their totality into a nominated account each time the sub-account balances reach a predetermined threshold.
Direct inter-company loans are not permitted in China and transactions between group entities can only occur if there is an underlying transaction between the entities. The restrictions on the free flow of foreign exchange into and out of China and between the capital and settlement accounts make cash concentration difficult, particularly for multiple entities. To allow domestic currency cash concentration to take place, companies can use an entrustment loan (EL) agreement. Under such an agreement, a domestic bank or China-registered group financial company acts as an intermediary by transferring funds between the participating entities. The EL structure requires SAFE approval. Because it is not a standard structure, care must be taken when establishing the structure. For non-residents, qualified multinational companies have also been permitted to concentrate foreign currency cash via the entrustment loan structure under the terms of the 2005 Pudong measures. Foreign currency funds and domestic currency funds (approved by SAFE) can also be concentrated to offshore banking units.
Cross border cash concentration
For residents, cross-border payments are only normally permitted for trade-related transactions with supporting documentation. However, some banks now offer automated cross-border sweeping of physical cash pools. Under the terms of the Pudong measures, non-residents qualified as multinational companies are able to manage payments to and from an overseas parent company, as long as this is explicitly authorised by the Chinese-based entities. Funds can also be concentrated to offshore banking units. Since 2012, the PBC and SAFE have started to permit some entities based in Beijing and Shanghai to automate cross-border sweeping and inter-company lending. This is subject to prior approval and strict transaction limits.
Notional pooling
Notional pooling is offered in local currency (RMB) and foreign currency by domestic and foreign banks in China, although it is subject to various SAFE and PBC restrictions. Notional pooling is not offered between multiple entities.
Electronic and internet banking
The use of electronic banking and internet banking is growing rapidly in China. At present, use is concentrated in the larger cities, although the PBC is encouraging local banks to invest in electronic banking capability. There is no nationwide electronic banking standard, but some banks allow their customers to submit bulk electronic payment files through ERP systems. There has been a growth in the availability of internet banking as the PBC authorises more banks to offer it. Both domestic and approved foreign banks are now permitted to offer internet banking in China. China has the world's highest number of internet users with around 642 million users in mid 2014. However, this represents less than half the population, at around 47.3%. An estimated 35.6% of the population used online banking facilities at the beginning of 2014. The China Financial Certification Authority has developed a certificate system, which banks use to demonstrate their site's encryption.
Short-term investments include:
Treasury bills – these may only be purchased by Qualified Foreign Institutional Investors.
Repurchase agreements (repos) – available using corporate and government bonds as security. Repos are not available to foreign-invested enterprises.
Demand deposits – available in local and foreign currency. The PBC sets a maximum interest rate for RMB-denominated deposits and for USD-denominated deposits with a value of less than US$3m. USD-denominated deposits with a value in excess of US$3m are not subject to any PBC-set interest rate ceiling.
Term deposits - As with demand deposits, the PBC sets a maximum interest rate for RMB-denominated deposits and for USD-denominated deposits with a value of less than US$3m. Maximum rates are set for RMB deposits for one week, one, three and six months, and one year. Maximum rates are set for relevant USD deposits for three and six months, and one and two years.
Commercial paper - Rates are often higher than the ceilings imposed on deposits by the PBC, making commercial paper an attractive short-term investment instrument. Commercial paper cannot be purchased by foreign-invested enterprises.
Money market funds are available in China.
Short-term borrowing
Borrowing instruments include:
Bank funding. Overdrafts, temporary advances (for up to three months) and revolving lines of credit (for up to one year) are available from local banks. Chinese banks issue loans subject to the General Rules on Loans issued by the PBC. This applies to loans offered to both local and foreign-invested enterprises. Interest rates are set by the PBC reference rates. Foreign banks do not have to comply with the same lending rules as domestic banks. Many companies prefer to arrange bank funding through Hong Kong as it is subject to fewer restrictions and the rates are typically lower.
Discounted trade bills. Bills of exchange are discounted by local and foreign banks.
Commercial paper can be issued, although the lack of a secondary market reduces its attractiveness to investors. Commercial paper issued in China is not available to foreign-invested entities.
Mainland China's two stock markets are the Shanghai and Shenzhen exchanges. A-shares (denominated in RMB) can be sold to local investors and Qualified Foreign Institutional Investors. B-shares (denominated in USD in Shanghai and HKD in Shenzhen) can be sold to foreigners and local investors with foreign currency accounts. Securities transactions are regulated by the China Securities Regulatory Commission.
Risk management instruments
Foreign exchange risk management instruments are subject to exchange controls applied by SAFE. The use of non-delivery forwards is the most common method of hedging foreign exchange risk. Swaps are only permitted for non-local currency pairs. Bond forwards can be traded to hedge interest rate risk.
Government website
http://www.china.org.cn/english
People's Bank of China
http://www.pbc.gov.cn/english/130437/index.html
China Banking Regulatory Commission
http://www.eng.ceca.es/
China Securities Regulatory Commission
http://www.csrc.gov.cn/pub/csrc_en/
State Administration of Foreign Exchange
http://www.safe.gov.cn
State Administration of Taxation
http://www.chinatax.gov.cn (Chinese language)
http://www.mof.gov.cn
Ministry of Commerce of the People's Republic of China
http://english.mofcom.gov.cn/
http://www.china.com
China Council for the Promotion of International Trade
http://www.ccpit.org
Shanghai stock exchange
http://www.sse.com.cn
http://www.szse.cn/main/en
Retrieved from 'https://wiki.treasurers.org/w/index.php?title=China&oldid=44418'
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Category: Separation of powers
Mandatory jail opens bidding in law-and-order auction
Premier Denis Napthine has proposed new legislation to crack down on "coward punches" (formerly known as "king hits") by introducing a 10-year mandatory minimum jail term for the offence. According to the Premier, "Our expectation is that this legislation sends such a strong message that we don't have people doing these cowards punches in the first place." However, in a 2008 research report, the Victorian Sentencing Advisory Council warned against mandatory sentencing, noting: "Deterrence presupposes that would-be offenders are rational actors who are capable of weighing up, and actually do weigh up, the costs and benefits of a particular course of conduct. Crime, however, is often impulsive and lacking such judicious forethought." Chris Berg of the Institute of Public Affairs argues that judges need flexibility to deliver justice: "Discretionary sentencing is a fail-safe mechanism to prevent laws conceived in the abstract from becoming absurdities in practice. … This principle is too important to abandon just because an election is coming up." The Victorian proposal is harsher than the 8-year mandatory sentence introduced in NSW earlier this year, which suggests the start of a "law-and-order auction" before November's election.
Judicial appointment process under scrutiny
The Queensland Bar Association is calling for a new process for appointing judges, after a scandal erupted over the appointment of Tim Carmody QC as the next Chief Justice. Senior lawyers and former judges have criticised Carmody as politically biased and unqualified—in 2006, as a Family Court judge, he was caught cutting and pasting sections of a judgment—and the president of the Bar Association quit in protest over Attorney-General's consultation process. Carmody told the media, "It's regrettable that not one of the Supreme Court judges has congratulated me yet." The Bar Association is calling for a "different and more structured way of identifying and selecting possible appointees to judicial office to ensure all appointments are made impartially and on the basis of suitability for the particular office". In Victoria, controversial MP Geoff Shaw denied the Premier's accusation that he tried to influence judicial appointments. An election promise to establish an Independent Judicial Appointments Advisory Panel has not yet been implemented by the Government. Update: It has now been revealed that "no-one—other than the premier—strongly pushed Justice Carmody's candidacy", and he was promoted at the last minute after being publicly criticised by former Solicitor-General Walter Sofronoff QC. A sitting Court of Appeal judge, Justice Muir, gave a speech last night saying "because of the unfortunate way in which this saga has unfolded, the obvious lack of support for the Chief Magistrate's elevation to the office of Chief Justice of Queensland and [other] matters discussed earlier, the Chief Magistrate will see that the only appropriate course is for him to withdraw."
Posted on 6 June 2014 5 June 2014
Qld repeals laws before High Court "implied right" challenge
Laws restricting political campaigns by Queensland trade unions were quietly repealed on Wednesday night, in the face of a High Court challenge. In 2013, new rules requiring industrial organisations to conduct a ballot of members before spending more than $10,000 on political campaigns were introduced. Affected unions launched a High Court challenge, saying that the cost and delay caused by the processes were a burden on their freedom of political communication. The explanatory notes for the repeal bill say the decision was prompted by the "recent decision of the High Court in Unions NSW v New South Wales", which "indicates that the High Court will read widely the implied right of freedom of communication on government and political matters". (In that case, the NSW government's attempt to cap political spending by unions was unanimously held to be an illegitimate burden on the implied freedom.) The Queensland Attorney-General, Jarrod Bleijie, has been forced to defend his performance as a minister; the Court of Appeal struck down a law allowing him to jail people despite court orders to release them because it breached the separation of powers, and his anti-bikie laws are currently before the High Court.
Pink Batts Royal Commission "crumbling" democracy?
The Royal Commission into the Home Insulation Program remained controversial this week, as former prime minister Kevin Rudd was called to give evidence. Although criminal prosecutions held the installation companies responsible for workers' deaths, and the risk of fire fell under the program, the Abbott Government nevertheless established a royal commission to investigate whether the processes of government contributed to the problems. Controversially, cabinet documents were handed to the Commission, despite a convention that they be kept confidential for thirty years. The Government then tried to use cabinet confidentiality to censor Kevin Rudd's evidence. The Australian's legal affairs editor, Chris Merritt, suggests this marks a "turning point when some of the fundamental planks of the Australian system of government started to crumble." He argues that the people delivered their verdict by electing a new government, and that is how Westminster accountability ought to work: "The existence of this royal commission implies that the Westminster method of accountability does not go far enough. The decision to call this inquiry creates a new and dangersous system in which all future governments can be held accountable not just to parliament and the people but to their successors in the executive."
Posted on 6 May 2014 6 May 2014
Round 2 of Chaplains case in High Court today
A follow-up to the School Chaplains case will be heard by the High Court today, again challenging expenditure by the Commonwealth government that is not backed by specific legislation. The earlier decision upheld the separation of powers by requiring legislative approval before the executive could spend taxpayers' money. The Gillard Government responded with legislation that gave a general authorisation without specifying which programs were covered—today's challenge will decide if that is sufficient. Professor George Williams thinks the Commonwealth will probably lose, and says, "What's under challenge is the Commonwealth's ability to give money to whomever it wants, whenever it wants. It's hard to overplay the significance of this case. This goes to the very structure of how we are governed."
If pension age rises, should judges work longer?
The Abbott Government has confirmed its plan to increase the pension age from 67 to 70, with Treasurer Joe Hockey stating, "We should also not see someone's life ending when they turn 65 or 70. They should work as long as they can." Professor Brian Opeskin has asked whether the same logic should apply to judges, who are forced to retire at 70: "Just as the government is now asking us to accept that the retirement age for the pension should increase, we should ask whether the same thing should be considered for judges. Seventy is now quite young and many judges have a lot to contribute." The judicial retirement age was enshrined in section 72 of the Constitution by a successful referendum in 1977, because the separation of powers makes it difficult to remove judges who are affected by advanced age. It would require another referendum to change the age.
Posted on 3 April 2014 22 August 2014
Controversial "baseline" sentencing bill introduced
The Sentencing Amendment (Baseline Sentences) Bill 2014 has been introduced to the Victorian parliament, with the aim of increasing penalties for certain crimes. The legislation sets out an intended median prison term for an offence, and requires judges to "act compatibly" with that intention—without setting out a process to follow. Senior judges responding to a draft version of the bill told the government it was "unworkable". The introduction of baseline sentencing was an election commitment made by the Coalition in 2010, which has been controversial. The incoming government sought the Sentencing Advisory Council's advice on implementation, but its report observed: "The Attorney-General has not asked the Council for advice on the merits of a baseline sentencing scheme or whether a baseline sentencing scheme should be introduced. The majority of stakeholders expressed strong opposition to a baseline sentencing scheme." The Law Institute of Victoria says the bill would "unduly limit judicial discretion, over-complicate the sentencing process and, ultimately, fail to act as a deterrent."
Governor-General to be sworn in and knighted
Australia's first female Governor-General, Quentin Bryce, has finished her five year appointment. Her successor, Peter Cosgrove, will be sworn in today. He will also be awarded a knighthood (and Ms Bryce a dameship) after the Prime Minister asked the Queen to reintroduce those honours in Australia. The awarding of honours is a royal prerogative, though it is generally exercised on advice from the government. Knights and dames had been removed from the Australian honours system in 1986 at the request of the Hawke government.
Separation of powers threatened in Nauru
The chief justice of the island nation of Nauru, Geoffrey Eames QC, has resigned, saying "I could not be assured that the separation of powers and the independence of the judiciary would be respected." In January, the Nauru government deported its chief magistrate, ignoring a Supreme Court injunction. It also banned Chief Justice Eames from returning to Nauru from Australia, saying it would not issue him a new visa "under any circumstances". New magistrates have been appointed for just six months, raising concerns about the executive's influence over the judiciary.
Posted on 12 March 2014 12 March 2014
Mooted reform might weaken critical judge
Queensland Attorney-General Jarrod Bleijie is considering reforms to the hierarchy of courts, splitting the Court of Appeal: "Mr Bleijie could introduce a civil and criminal court of appeal, allowing him to choose which judges hear criminal cases." It is reported that the move "could weaken the position of [Court of Appeal] President Margaret McMurdo". Last year President McMurdo wrote to Bleijie to express concerns about his changes to sentencing law. She has not been consulted by the Attorney-General about his latest proposal.
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Robert Angyal SC on UK court upholds "friendly discussion" as valid ADR
David on Mandatory jail opens bidding in law-and-order auction
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Six people were shot during five incidents across Philadelphia on Christmas Eve through Christmas Day. Among them, a man and a woman were wounded in a double shooting Monday night in East Mount Airy and another man was left in critical condition after he was shot just before midnight Christmas Eve.
• A 47-year-old man was shot in the head on the 3800 block of North Darien Street around 7 p.m. Tuesday.
• A 38-year-old man was reported in critical condition after he was shot twice in the area of 5600 Sprague Street in East Germantown just before midnight Monday.
• A man and a woman were reported in stable condition after they were shot in the area of 6400 Belfield Avenue in East Mount Airy Monday night.
• A 26-year-old man was shot on the 900 block of North 66th Street in Overbrook shortly before 8 p.m. Monday.
• A 19-year-old man was shot in the hand on the 200 block of West Duncannon Avenue in Olney Monday afternoon.


text:
using System;
using System.Linq;
using System.IO;

class MaxSequenceOfEqualElements
{
    static void Main()
    {
        var input = File.ReadAllLines(@"../../input.txt");
        string longestNumber = string.Empty;
        int longestNumberLength = 1;
        int longestNumberLengthBackUp = 1;

        for (int i = 0; i < input.Length; i++)
        {
            var currentLine = input[i].Split(new char[] { ' ' }, StringSplitOptions.RemoveEmptyEntries).ToArray();
            for (int p = 0; p < currentLine.Length; p++)
            {
                int currentNumber = int.Parse(currentLine[p]);
                for (int y = p + 1; y < currentLine.Length; y++)
                {
                    int nextNumber = int.Parse(currentLine[y]);
                    if (currentNumber == nextNumber)
                    {
                        longestNumberLength++;
                    }
                    else
                    {
                        break;
                    }
                }
                if (longestNumberLength > longestNumberLengthBackUp)
                {
                    longestNumber = currentNumber.ToString();
                    longestNumberLengthBackUp = longestNumberLength;
                }
                longestNumberLength = 1;
            }

            File.AppendAllText(@"../../output.txt", string.Concat(Enumerable.Repeat(longestNumber + " ", longestNumberLengthBackUp)));
            File.AppendAllText(@"../../output.txt", Environment.NewLine);
            longestNumberLengthBackUp = 1;
        }
    }
}

redpajama_set_name: RedPajamaGithub


Warner Bros. has pulled a video ad for heavy-metal band Disturbed in the wake of Wednesday's fatal on-air shooting of a TV reporter and her cameraman.
The ad for the band's new album Immortalized contained footage from a music video for latest single The Vengeful One, in which a monstrous creature shoots several people at a television station. The clip, known as a pre-roll ad, played before online news videos, including those at usatoday.com.
Alison Parker, 24, and Adam Ward, 27, journalists for WDBJ7-TV in Roanoke, Va., were killed during a live broadcast early Wednesday morning. Vester Flanagan, 41, a former station employee who used the name Bryce Williams on the air, posted video of the attack to his Twitter account and Facebook page before fatally shooting himself.
Immortalized, released Friday, is expected to debut at No. 1 on the Billboard albums chart. Last week, The Vengeful One was No. 1 on USA TODAY's active rock airplay chart.
The song's lyrics protest a media seen as profiting off war and human misery. In it, frontman David Draiman sings, "The rabid media plays their roles, stoking the flames of war to no surprise/ Only too eager to sell their souls, for the apocalypse must be televised."
The animated music video depicts the band's wraith-like mascot "The Guy" — who appears on the group's album covers — shooting robotic television anchors in a newsroom, then bursting into the station's control room and similarly dispatching several demon-like workers with glowing eyes. The ad Warner Bros. pulled contained footage of the shootings in the control room.
In the video, "The Guy basically plays the hand of God," Disturbed drummer Mike Wengren told USA TODAY two weeks before the shooting. "He sees the media and the world running amok, and he comes down to save everyone. He goes down and takes out the mind-controlling media."
Posted in June, the video for The Vengeful One has more than 5.5 million views on YouTube.