Tying some loose ends: Target settled with Visa in August to resolve claims from the retailer's massive 2013 data breach in which 110 million consumers' records were stolen, including 40 million credit- and debit-card numbers. The value of that settlement was up to $67 million, depending upon how many card issuers worldwide accept that deal. A $19 million settlement with MasterCard fell through.
In March, the retailer agreed to pay $10 million to settle lawsuits by consumers. While the July 31, 2015 deadline has passed for affected shoppers to submit claims, the Target Settlement website listed the next important date is a November 10, 2015 hearing for the Court to approve the settlement. Payments to consumers will happen after the Court approves the settlement.
The U.S. Federal Trade Commission (FTC) filed a complaint in Federal court against a weight-loss marketer alleging:
"... that Roca Labs, Inc.; Roca Labs Nutraceutical USA, Inc.; and their principals have sued and threatened to sue consumers who shared their negative experiences online or complained to the Better Business Bureau, stating that the consumers violated the non-disparagement provisions of the “Terms and Conditions” they supposedly agreed to when they bought the products. The FTC alleges that these gag clause provisions, and the defendants’ related warnings, threats, and lawsuits, harm consumers by unfairly barring purchasers from sharing truthful, negative comments about the defendants and their products."
Roca labs Inc. is based in Sarasota, Florida. The complaint named both Don Juravin, President of Roca Labs Nutraceutical USA (RLNU) and owner of Roca Labs Inc. (RLI), and George C. Whiting, President, Secretary, treasurer, and Director at RLI, as a co-defendants. The websites operated by the defendants include RocaLabs.com, Mini-Gastric-Bypass.me, and GastricBypassNoSurgery.com.
I was curious what an alleged "gag clause" contains. The complaint listed one:
"You agree that regardless of your personal experience with RL, you will not disparage RL and/or any of its employees, products or services. This means that you will not speak, publish, cause to be published, print, review, blog, or otherwise write negatively about RL, or its products or employees in any way. This encompasses all forms of media, including and especially the internet. This paragraph is to protect RL and its current and future customers from the harm of libelous or slanderous content in any form, and thus, your acceptance of the [Terms] prohibits you from taking any action that negatively impacts RL, its reputation, products, services, management, or employees. We make it clear that RL and its Regimen may not be for everyone, and in that regard, the foregoing clause is meant to prevent “one person from ruining it for everyone.” Should any customer violate this provision, as determined by RL in its sole discretion, you will be provided with seventy-two (72) hours to retract the content in question. If the content remains, RL would be obliged to seek all legal remedies to protect its name, products, current customers, and future customers.
If you breach this Agreement, as determined by RL in its sole discretion, all discounts will be waived and you agree to pay the full price for your product. In addition, we retain all legal rights and remedies against the breaching customer for breach of contract and any other appropriate causes of action."
Wow! This is a stark reminder for consumers to read the terms and conditions policy at websites before purchasing online. And, it's always good to be aware of companies that allegedly uses monetary threats, lawsuits, and "gag clauses" to squash consumers from using their First Amendment rights. Some physicians have tried to squash patients' rights with a "mutual agreement to maintain privacy" document.
Download the complaint (Adobe PDF): FTC v. Roca Labs Inc. et. al.
Experian, one of the three major credit-reporting agencies in the United States, announced last week a data breach at affected at least 15 million T-Mobile customers. Unauthorized persons accessed an Experian server which contained personal information about consumer who had applied for T-Mobile USA services between September 1 and September 16, 2015.
Experian discovered the breach on September 15, 2015. The information accessed and stolen included names, addresses, Social Security Numbers, birth dates, identification numbers (e.g., driver's license, military ID, passport number, etc.), and additional data related to T-Mobile's credit-check process. The credit reporting agency also said:
"Experian’s consumer credit database was not accessed in this incident, and no payment card or banking information was obtained."
Thank heavens for little favors. Thankfully, at least one Experian employee had the good sense to segregate its database of T-Mobile customers from its database of everyone else. Otherwise, the hackers would have accessed and stolen sensitive personal information for 250 million persons. And, the "no payment card or banking information was obtained," is like saying bank thieves stole everything but not the one-, five-, and ten-dollar bills. This is bad folks, and Experian should not issue statements in a failed attempt to perfume-a-pig. The pig still stinks.
Experian has notified and is working with both federal and international law enforcement agencies. The post-breach investigation is ongoing. The company is notifying affected persons and will offer two years of free credit monitoring and identity resolution services. Some security experts are skeptical, and questioned whether Experian deployed the data-breach-detection services of 41st Parameter, a wholly owned subsidiary.
John Legere, the t-Mobile Chief Executive, said in a statement:
"Obviously I am incredibly angry about this data breach and we will institute a thorough review of our relationship with Experian..."
Understandable and justified anger. No doubt, lawsuits will result.
This is not good. The data elements stolen are sufficient for criminals to apply for fraudulent loans, create fraudulent identification cards, and effectively approach the family, friends, coworkers, and classmates by impersonating breach victims.
This is not the first data breach at Experian. In February 2014, hackers used a client's login credentials to access an undisclosed number of consumers' records. The data stolen included consumer credit reports, names, addresses, Social Security Numbers, birth dates, and additional information commonly found in credit reports. In May 2012, Experian announced a breach where hackers accessed an undisclosed number of consumers' records between October 19, 2011 and February 13, 2012. A breach in 2009 affected Maryland residents, and a lawsuit was filed in July 2015 against Experian for allegedly selling consumer information to a criminal posing as a data broker. That criminal allegedly resold data to other identity thieves.
Some critics demand stronger consequences. Fight for the Future's Jeff Lyon said:
"Experian CEO Brian Cassin has put the profits of his company above the well-being of his customers and our nation's cybersecurity. Why should Experian bother fixing their security when they can just lobby their way out of the messes they make?"... This type of thinking is putting millions of people at risk. Cassin should resign..."
I agree. Cassin should resign. Lyon's comments allude to the Cybersecurity Information Sharing Act (CISA) of 2013, which is making its way through Congress. Privacy advocates argue that the bill fails to provide adequate data security protections and instead promotes data sharing of consumers' information with the federal government to facilitate surveillance. Some argue that the bill will actually hurt privacy.
I agree. It's poor legislation. Now, back to Experian. The credit reporting agency's track record of breaches is troubling. Paying post-breach related costs (e.g., free credit monitoring), again, is not enough of an incentive to change executives' behavior. Companies won't change until there are direct consequences for executives. Experian executives know better. It is in the business of collecting, archiving, and protecting consumers' sensitive personal and financial information.
What are your opinions?
In a news conference yesterday after the latest shooting at a school, President Obama challenged the news media to report facts comparing gun versus terrorism deaths in the USA. Vox published an interactive chart comparing deaths:
And, there's plenty more. Vox provided several charts and statistics about gun violence and gun ownership in the United States:
"America's unique problem with gun violence: American has six times as many firearm homicides as Canada, and 15 times as many as Germany... America has 4.4 percent of the world's population, but almost half of the civilian-owned guns around the world... There is a mass shooting almost every day in America... States with more guns have more gun deaths... States with tighter gun control laws have fewer gun-related deaths... In states with more guns, more police officers are also killed on duty..."
The chart comparing gun ownership and gun-related deaths by state:
To learn more, browse the charts Vox has assembled.
Today, October 1, 2015 is the date banks and card issuers set to transition to the new EMV chip cards. The transition was to reduce card fraud. EMV is the name of the technology jointly developed by Europay, MasterCard, and Visa. Was the transition completed? The American Banker reported:
"Most credit cards (about 70%) will have chips on them. But most of these cards will be chip-and-signature cards, not chip-and-PIN... Many small merchants won't be ready. Depending on which study you believe, somewhere between 20% and 30% of merchants have purchased and deployed the EMV-capable point-of-sale terminals and software they will need to handle EMV chip cards. Big-box stores like Target that have suffered data breaches have done this work. But most small stores and restaurants have not. New EMV equipment is expensive and sometimes difficult to implement, and many seem unaware of the dangers of not adapting."
So, the transition is incomplete. In Europe, the United Kingdom transitioned to chip-and-PIN in 2006, and saw store-related card fraud drop 70 percent. The PIN is a short number the cardholder enters at the terminal to authorize their purchase. Chip-and-signature refers to new chip cards when the cardholder signs at the terminal to authorize their purchase.
It' is troubling that many retailers in the USA haven't upgraded to the new terminals. The result: consumers will encounter a frustrating mix of stores with and without the new chip card terminals. Cardholders will have to insert their chip cards at stores with the new terminals, and swipe the swipe the magnetic stripe on the back of their chip cards at stores without the new terminals.
The new chip cards contain both a chip that encrypts and stores your sensitive payment information, plus the obsolete magnetic stripe on the back of the card, which fraudsters have used to clone cards. Some experts have criticized this approach, arguing that the less-secure magnetic stripes should have been eliminated. The counter argument:
"Duplicating the chip on a chip card is difficult if not impossible [for ciminals]. Most new cards are being issued with both a magnetic stripe and a chip and the new EMV terminals accept both the chip and the stripe. So theoretically [criminals] could duplicate just the magnetic stripe on the chip card, create a new magnetic stripe card and try to use that. However, if an EMV card is swiped on an EMV-compliant merchant terminal, the system will reject the transaction and force the consumer to insert the chip."
Time will tell which experts are correct. Some cite two statistics. First, 37 percent of total card fraud is from criminals using cloned cards in stores. Second, the bulk of card fraud is online:
"Online card fraud is expected to rise. So-called "card not present" fraud — where someone uses a card but does not physically present the card (this could be over the phone, over a fax machine, on a mobile device or a computer, but most people equate "card not present" with using a card on a website) — represents the bulk of card fraud in the U.S.: 45%, according to Aite Group. The analyst group expects online card fraud to more than double from $3.1 billion in 2015 to $6.4 billion in 2018."
To help consumers, the Consumer Financial Protection Bureau (CFPB) provides easy answers about the new chip cards. The CFPB is a great resource for consumers to learn about their rights and to get help. The CFPB enforces rules that financial institutions must follow when marketing financial products to consumers. For unresolved problems with credit/debit/prepaid cards, student loans, debt collection agencies, or other financial products, you can submit online a complaint to the CFPB for assistance.
Discover notified its credit card customers in July about the transition. Its notice provided helpful images of the new terminals, the new chip card, and how cardholders insert chip cards into the new terminals. As I wrote then, before traveling in Europe, Discover cardholders should set up a PIN number, since Europe requires chip-and-pin authorizations.
What are your opinions of the new chip cards? Of the partial transition? If you have experienced problems with a new chip card, please share below.
The law firm representing the luxury Trump International Hotel and Tower property in Las Vegas announced at data breach affecting its client. To comply with breach notification laws in many states, corporations (or their agents) typically submit breach notices (e.g., sample or final) to the attorney general or applicable legal agency in each state where there are affected residents.
The breach notice at the California Attorney General website (Adobe PDF) read, in part:
"... we are providing notice of a security incident possibly affecting certain individuals who made payment card purchases at Trump International Hotel & Tower Las Vegas, located at 2000 Fashion Show Drive, Las Vegas, NV... Although an independent forensic investigation has not conclusively determined that any particular customer’s payment card information was taken from the Hotel’s payment card system or misused as a result of the incident, we are providing this notice out of an abundance of caution to inform potentially affected customers of the incident... it appears that there may have been unauthorized malware access to payment card information as it was inputted into the payment card systems... including payment card account number, card expiration date, security code, and cardholder name) of individuals who used a payment card at the Hotel between May 19, 2014, and June 2, 2015, may have been affected..."
It seems that payment information was stolen by malware installed within infected terminals. The breach notice also mentioned that the hotel is working with law enforcement, banks, and an independent forensic investigation vendor. All, pretty standard stuff. The notice did not disclose the total number of records or consumers affected.
The breach notice includes instructions for affected customers to sign up for one year of free fraud resolution and identity protection services with Experian ProtectMyID. The offer is only for U.S. residents who used a payment card at the Hotel between May 19, 2014, and June 2, 2015. (Since the hotel's website includes content in several languages besides English, I guess that deep-pocketed customers from other countries are simply screwed.) That duration seems skimpy, since many other corporations have offered two years. The breach notice lists a hotel toll-free number for affected customers to get assistance and ask questions.
A check this morning of the hotel's home page did not find a link to a breach notice. Typically, a well-organized post-breach response also includes a website providing affecting customers with more information (or dedicated pages at their main site).
So, there seems to be two massive failures in this data breach. The first was a failure to promptly detect the unauthorized access. The second was a lengthy delay of more than a year to notify affected consumers. And, the investigation is still underway so things could be even worse.
Note: the Krebs On Security blog first broke news in July about data breaches at several hotels, including the Trump hotel in Las Vegas. One wonders why the hotel didn't announce the breach then.
Modern cars have plenty of features, gadgets, and conveniences. Consumers expect their cars to be safe. IT World reported the results of a study that found the cars most vulnerable to being hacked:
"The results of the study, by PT&C/LWG Forensic Consulting Services, were based on published research by hackers, vehicle recall information and media reports. The most hackable list includes the 2014 Jeep Cherokee, the 2014 Infiniti Q50, the 2015 Cadillac Escalade, the 2010 and 2014 Toyota Prius and the 2014 Ford Fusion."
Hackers don't have to be nearby to be effective. They can be out of sight, since some technologies allow them to be further away. While hackers can be as close as 5 to 20 meters to hack your car's smart key, the y can be 100 meters away to hack your car's radio data system; or anywhere to hack the WiFi system. This is possible because the average new car contains anywhere from 20 to 70 computers, each with varying technologies, capabilities, and protections.
There are several threats including a $30 device criminals use to intercept wireless transmissions between any smart key, your vehicle, and garage door. Automakers control the security of your vehicle, and one U.S. Senator has lobbied for greater protections for drivers.
To stay safe and protect your vehicle, experts advise consumers to keep your vehicle locked, be aware of the systems your car contains, and get software security updates at a reputable dealer.
The article includes an infographic with more information.
Earlier today, Pope Francis spoke to the U.S. Congress. He said some very interesting things, mentioned several names That was the first time a Pope spoke to a joint session of Congress. He mentioned topics I didn't expect to hear, and emphasized working together to support each other to solve some challenging problems facing society:
"... no religion is immune from forms of individual delusion or ideological extremism. This means that we must be especially attentive to every type of fundamentalism, whether religious or of any other kind. A delicate balance is required to combat violence perpetrated in the name of a religion, an ideology or an economic system... The challenges facing us today call for a renewal of that spirit of cooperation, which has accomplished so much good throughout the history of the United States. The complexity, the gravity and the urgency of these challenges demand that we pool our resources and talents, and resolve to support one another, with respect for our differences... If politics must truly be at the service of the human person, it follows that it cannot be a slave to the economy and finance... I think of the march which Martin Luther King led from Selma to Montgomery fifty years ago as part of the campaign to fulfill his "dream" of full civil and political rights for African Americans. That dream continues to inspire us all..."
While video of the speech is available online at many sites, often it is helpful to read (and re-read) the words. CNN provided a transcript, which I am happy to provide in full below. I am not a Catholic. I am a resident of this planet and concerned citizen of the USA.
The transcript of the Pope's speech:
Honorable Members of Congress,
I am most grateful for your invitation to address this Joint Session of Congress in "the land of the free and the home of the brave". I would like to think that the reason for this is that I too am a son of this great continent, from which we have all received so much and toward which we share a common responsibility.
Each son or daughter of a given country has a mission, a personal and social responsibility. Your own responsibility as members of Congress is to enable this country, by your legislative activity, to grow as a nation. You are the face of its people, their representatives. You are called to defend and preserve the dignity of your fellow citizens in the tireless and demanding pursuit of the common good, for this is the chief aim of all politics. A political society endures when it seeks, as a vocation, to satisfy common needs by stimulating the growth of all its members, especially those in situations of greater vulnerability or risk. Legislative activity is always based on care for the people. To this you have been invited, called and convened by those who elected you.
Yours is a work which makes me reflect in two ways on the figure of Moses. On the one hand, the patriarch and lawgiver of the people of Israel symbolizes the need of peoples to keep alive their sense of unity by means of just legislation. On the other, the figure of Moses leads us directly to God and thus to the transcendent dignity of the human being. Moses provides us with a good synthesis of your work: you are asked to protect, by means of the law, the image and likeness fashioned by God on every human face.
Today I would like not only to address you, but through you the entire people of the United States. Here, together with their representatives, I would like to take this opportunity to dialogue with the many thousands of men and women who strive each day to do an honest day's work, to bring home their daily bread, to save money and --one step at a time -- to build a better life for their families. These are men and women who are not concerned simply with paying their taxes, but in their own quiet way sustain the life of society. They generate solidarity by their actions, and they create organizations which offer a helping hand to those most in need.
I would also like to enter into dialogue with the many elderly persons who are a storehouse of wisdom forged by experience, and who seek in many ways, especially through volunteer work, to share their stories and their insights. I know that many of them are retired, but still active; they keep working to build up this land. I also want to dialogue with all those young people who are working to realize their great and noble aspirations, who are not led astray by facile proposals, and who face difficult situations, often as a result of immaturity on the part of many adults. I wish to dialogue with all of you, and I would like to do so through the historical memory of your people.
My visit takes place at a time when men and women of good will are marking the anniversaries of several great Americans. The complexities of history and the reality of human weakness notwithstanding, these men and women, for all their many differences and limitations, were able by hard work and self-sacrifice -- some at the cost of their lives -- to build a better future. They shaped fundamental values which will endure forever in the spirit of the American people. A people with this spirit can live through many crises, tensions and conflicts, while always finding the resources to move forward, and to do so with dignity. These men and women offer us a way of seeing and interpreting reality. In honoring their memory, we are inspired, even amid conflicts, and in the here and now of each day, to draw upon our deepest cultural reserves.
I would like to mention four of these Americans: Abraham Lincoln, Martin Luther King, Dorothy Day and Thomas Merton.
This year marks the one hundred and fiftieth anniversary of the assassination of President Abraham Lincoln, the guardian of liberty, who labored tirelessly that "this nation, under God, [might] have a new birth of freedom". Building a future of freedom requires love of the common good and cooperation in a spirit of subsidiarity and solidarity.
All of us are quite aware of, and deeply worried by, the disturbing social and political situation of the world today. Our world is increasingly a place of violent conflict, hatred and brutal atrocities, committed even in the name of God and of religion. We know that no religion is immune from forms of individual delusion or ideological extremism. This means that we must be especially attentive to every type of fundamentalism, whether religious or of any other kind. A delicate balance is required to combat violence perpetrated in the name of a religion, an ideology or an economic system, while also safeguarding religious freedom, intellectual freedom and individual freedoms. But there is another temptation which we must especially guard against: the simplistic reductionism which sees only good or evil; or, if you will, the righteous and sinners. The contemporary world, with its open wounds which affect so many of our brothers and sisters, demands that we confront every form of polarization which would divide it into these two camps. We know that in the attempt to be freed of the enemy without, we can be tempted to feed the enemy within. To imitate the hatred and violence of tyrants and murderers is the best way to take their place. That is something which you, as a people, reject.
Our response must instead be one of hope and healing, of peace and justice. We are asked to summon the courage and the intelligence to resolve today's many geopolitical and economic crises. Even in the developed world, the effects of unjust structures and actions are all too apparent. Our efforts must aim at restoring hope, righting wrongs, maintaining commitments, and thus promoting the well-being of individuals and of peoples. We must move forward together, as one, in a renewed spirit of fraternity and solidarity, cooperating generously for the common good.
The challenges facing us today call for a renewal of that spirit of cooperation, which has accomplished so much good throughout the history of the United States. The complexity, the gravity and the urgency of these challenges demand that we pool our resources and talents, and resolve to support one another, with respect for our differences and our convictions of conscience.
In this land, the various religious denominations have greatly contributed to building and strengthening society. It is important that today, as in the past, the voice of faith continue to be heard, for it is a voice of fraternity and love, which tries to bring out the best in each person and in each society. Such cooperation is a powerful resource in the battle to eliminate new global forms of slavery, born of grave injustices which can be overcome only through new policies and new forms of social consensus.
Here I think of the political history of the United States, where democracy is deeply rooted in the mind of the American people. All political activity must serve and promote the good of the human person and be based on respect for his or her dignity. "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable rights, that among these are life, liberty and the pursuit of happiness" (Declaration of Independence, 4 July 1776). If politics must truly be at the service of the human person, it follows that it cannot be a slave to the economy and finance. Politics is, instead, an expression of our compelling need to live as one, in order to build as one the greatest common good: that of a community which sacrifices particular interests in order to share, in justice and peace, its goods, its interests, its social life. I do not underestimate the difficulty that this involves, but I encourage you in this effort.
Here too I think of the march which Martin Luther King led from Selma to Montgomery fifty years ago as part of the campaign to fulfill his "dream" of full civil and political rights for African Americans. That dream continues to inspire us all. I am happy that America continues to be, for many, a land of "dreams". Dreams which lead to action, to participation, to commitment. Dreams which awaken what is deepest and truest in the life of a people.
In recent centuries, millions of people came to this land to pursue their dream of building a future in freedom. We, the people of this continent, are not fearful of foreigners, because most of us were once foreigners. I say this to you as the son of immigrants, knowing that so many of you are also descended from immigrants. Tragically, the rights of those who were here long before us were not always respected. For those peoples and their nations, from the heart of American democracy, I wish to reaffirm my highest esteem and appreciation. Those first contacts were often turbulent and violent, but it is difficult to judge the past by the criteria of the present. Nonetheless, when the stranger in our midst appeals to us, we must not repeat the sins and the errors of the past. We must resolve now to live as nobly and as justly as possible, as we educate new generations not to turn their back on our "neighbors" and everything around us. Building a nation calls us to recognize that we must constantly relate to others, rejecting a mindset of hostility in order to adopt one of reciprocal subsidiarity, in a constant effort to do our best. I am confident that we can do this.
Our world is facing a refugee crisis of a magnitude not seen since the Second World War. This presents us with great challenges and many hard decisions. On this continent, too, thousands of persons are led to travel north in search of a better life for themselves and for their loved ones, in search of greater opportunities. Is this not what we want for our own children? We must not be taken aback by their numbers, but rather view them as persons, seeing their faces and listening to their stories, trying to respond as best we can to their situation. To respond in a way which is always humane, just and fraternal. We need to avoid a common temptation nowadays: to discard whatever proves troublesome. Let us remember the Golden Rule: "Do unto others as you would have them do unto you" (Mt 7:12).
This Rule points us in a clear direction. Let us treat others with the same passion and compassion with which we want to be treated. Let us seek for others the same possibilities which we seek for ourselves. Let us help others to grow, as we would like to be helped ourselves. In a word, if we want security, let us give security; if we want life, let us give life; if we want opportunities, let us provide opportunities. The yardstick we use for others will be the yardstick which time will use for us. The Golden Rule also reminds us of our responsibility to protect and defend human life at every stage of its development.
This conviction has led me, from the beginning of my ministry, to advocate at different levels for the global abolition of the death penalty. I am convinced that this way is the best, since every life is sacred, every human person is endowed with an inalienable dignity, and society can only benefit from the rehabilitation of those convicted of crimes. Recently my brother bishops here in the United States renewed their call for the abolition of the death penalty. Not only do I support them, but I also offer encouragement to all those who are convinced that a just and necessary punishment must never exclude the dimension of hope and the goal of rehabilitation.
In these times when social concerns are so important, I cannot fail to mention the Servant of God Dorothy Day, who founded the Catholic Worker Movement. Her social activism, her passion for justice and for the cause of the oppressed, were inspired by the Gospel, her faith, and the example of the saints.
How much progress has been made in this area in so many parts of the world! How much has been done in these first years of the third millennium to raise people out of extreme poverty! I know that you share my conviction that much more still needs to be done, and that in times of crisis and economic hardship a spirit of global solidarity must not be lost. At the same time I would encourage you to keep in mind all those people around us who are trapped in a cycle of poverty. They too need to be given hope. The fight against poverty and hunger must be fought constantly and on many fronts, especially in its causes. I know that many Americans today, as in the past, are working to deal with this problem.
It goes without saying that part of this great effort is the creation and distribution of wealth. The right use of natural resources, the proper application of technology and the harnessing of the spirit of enterprise are essential elements of an economy which seeks to be modern, inclusive and sustainable. "Business is a noble vocation, directed to producing wealth and improving the world. It can be a fruitful source of prosperity for the area in which it operates, especially if it sees the creation of jobs as an essential part of its service to the common good" (Laudato Si', 129). This common good also includes the earth, a central theme of the encyclical which I recently wrote in order to "enter into dialogue with all people about our common home" (ibid., 3). "We need a conversation which includes everyone, since the environmental challenge we are undergoing, and its human roots, concern and affect us all" (ibid., 14).
In Laudato Si', I call for a courageous and responsible effort to "redirect our steps" (ibid., 61), and to avert the most serious effects of the environmental deterioration caused by human activity. I am convinced that we can make a difference and I have no doubt that the United States -- and this Congress -- have an important role to play. Now is the time for courageous actions and strategies, aimed at implementing a "culture of care" (ibid., 231) and "an integrated approach to combating poverty, restoring dignity to the excluded, and at the same time protecting nature" (ibid., 139). "We have the freedom needed to limit and direct technology" (ibid., 112); "to devise intelligent ways of... developing and limiting our power" (ibid., 78); and to put technology "at the service of another type of progress, one which is healthier, more human, more social, more integral" (ibid., 112). In this regard, I am confident that America's outstanding academic and research institutions can make a vital contribution in the years ahead.
A century ago, at the beginning of the Great War, which Pope Benedict XV termed a "pointless slaughter", another notable American was born: the Cistercian monk Thomas Merton. He remains a source of spiritual inspiration and a guide for many people. In his autobiography he wrote: "I came into the world. Free by nature, in the image of God, I was nevertheless the prisoner of my own violence and my own selfishness, in the image of the world into which I was born. That world was the picture of Hell, full of men like myself, loving God, and yet hating him; born to love him, living instead in fear of hopeless self-contradictory hungers". Merton was above all a man of prayer, a thinker who challenged the certitudes of his time and opened new horizons for souls and for the Church. He was also a man of dialogue, a promoter of peace between peoples and religions.
From this perspective of dialogue, I would like to recognize the efforts made in recent months to help overcome historic differences linked to painful episodes of the past. It is my duty to build bridges and to help all men and women, in any way possible, to do the same. When countries which have been at odds resume the path of dialogue -- a dialogue which may have been interrupted for the most legitimate of reasons -- new opportunities open up for all. This has required, and requires, courage and daring, which is not the same as irresponsibility. A good political leader is one who, with the interests of all in mind, seizes the moment in a spirit of openness and pragmatism. A good political leader always opts to initiate processes rather than possessing spaces (cf. Evangelii Gaudium, 222-223).
Being at the service of dialogue and peace also means being truly determined to minimize and, in the long term, to end the many armed conflicts throughout our world. Here we have to ask ourselves: Why are deadly weapons being sold to those who plan to inflict untold suffering on individuals and society? Sadly, the answer, as we all know, is simply for money: money that is drenched in blood, often innocent blood. In the face of this shameful and culpable silence, it is our duty to confront the problem and to stop the arms trade.
Three sons and a daughter of this land, four individuals and four dreams: Lincoln, liberty; Martin Luther King, liberty in plurality and non-exclusion; Dorothy Day, social justice and the rights of persons; and Thomas Merton, the capacity for dialogue and openness to God.
Four representatives of the American people.
I will end my visit to your country in Philadelphia, where I will take part in the World Meeting of Families. It is my wish that throughout my visit the family should be a recurrent theme. How essential the family has been to the building of this country! And how worthy it remains of our support and encouragement! Yet I cannot hide my concern for the family, which is threatened, perhaps as never before, from within and without. Fundamental relationships are being called into question, as is the very basis of marriage and the family. I can only reiterate the importance and, above all, the richness and the beauty of family life.
In particular, I would like to call attention to those family members who are the most vulnerable, the young. For many of them, a future filled with countless possibilities beckons, yet so many others seem disoriented and aimless, trapped in a hopeless maze of violence, abuse and despair. Their problems are our problems. We cannot avoid them. We need to face them together, to talk about them and to seek effective solutions rather than getting bogged down in discussions. At the risk of oversimplifying, we might say that we live in a culture which pressures young people not to start a family, because they lack possibilities for the future. Yet this same culture presents others with so many options that they too are dissuaded from starting a family.
A nation can be considered great when it defends liberty as Lincoln did, when it fosters a culture which enables people to "dream" of full rights for all their brothers and sisters, as Martin Luther King sought to do; when it strives for justice and the cause of the oppressed, as Dorothy Day did by her tireless work, the fruit of a faith which becomes dialogue and sows peace in the contemplative style of Thomas Merton.
In these remarks I have sought to present some of the richness of your cultural heritage, of the spirit of the American people. It is my desire that this spirit continue to develop and grow, so that as many young people as possible can inherit and dwell in a land which has inspired so many people to dream.
God bless America!
The Attorney General for the State of California announced a settlement with Comcast, the telecommunications provider, to resolve allegations that the company listed telephone customers' numbers which should have remained unlisted.
The settlement includes $33 million in payments. The settlement requires Comcast to pay $25 million in penalties and investigative costs to the California Department of Justice and to the California Public Utilities Commission. Comcast will also pay about $8 million in restitution to 75,000 VOIP (e.g., Internet-based phone) customers whose numbers were improperly disclosed.
The restitution payment includes two years worth of refunds the affected customers paid for unlisted services. That equals about $2 million. Comcast will also pay and additional $100 to each customer whose safety was compromised by the disclosure of their phone listings and personal information. These customers include law enforcement personnel and domestic violence victims.
Additional terms of the settlement:
"As part of the stipulated judgment filed today in Alameda Superior Court, Comcast has agreed to a permanent injunction that requires the company to improve how it handles customer complaints and to strengthen the restrictions it places on its vendors’ use of personal information about customers. The injunction will require Comcast to provide a simple and easy-to-read disclosure form to all customers that explains the ways in which it uses unlisted phone numbers and other personal information."
Kudos to the California Attorney General and her staff for this settlement. Comcast's actions makes one doubt the company can keep private information it should keep private. It also makes one wonder where else in the country it has listed consumers phone numbers that should have remained unlisted.
Earlier this year, there was talk that Comcast's cable TV unit was improving its customer service. Well, the company's latest blunder undoes any goodwill created from that, and reinforces negative perceptions.
"Dozens of iOS apps in Apple's App Store were infected with malware in recent days, including hugely popular Chinese social networking apps, in what appears to be the first major case of hackers breaching Apple's highly controlled mobile software ecosystem."
Some of the popular apps affected:
"WeChat, which has more than 500 million users in all, said its app was affected by the issue but that it had already fixed the problem earlier this month. It said its version 6.2.5, released on Sept. 10, was infected, but version 6.2.6, released Sept. 12, was not..."
How the breach happened:
"Both the app developers and Apple were apparently unaware that the apps had been infected. Hackers succeeded by tricking the app developers into downloading a modified version of Xcode, the software that developers use to create iOS apps. This fake version of Xcode included the malware, which then made its way into the apps, which were then uploaded to the App Store."
The New York Rimes reported on Friday about the fast adoption by consumers of ad blocking apps for their mobile devices:
"Just two days after Apple enabled ad-blocking apps through its new mobile operating system, iOS 9, users are embracing the new technology... In less than 48 hours, several ad-blocking apps with names like Peace, Purify and Crystal soared to the top of Apple’s App Store chart... About 16 percent of those who use the Internet in the United States, or 45 million people, have already installed an ad blocker, up 48 percent over the last 12 months, said Sean Blanchfield, who runs PageFair, an Irish start-up that tracks ad blocking. In a report last month, Adobe and PageFair calculated that blockers would cost publishers nearly $22 billion in revenue in 2015."
That's not surprising. The frequency of continual auto-play video ads at many websites has become a huge annoyance. At the same time, one app developer removed his ad-blocking app from sales, stating:
"Peace required that all ads be treated the same — all-or-nothing enforcement for decisions that aren’t black and white. This approach is too blunt, and Ghostery and I have both decided that it doesn’t serve our goals or beliefs well enough. If we’re going to effect positive change overall, a more nuanced, complex approach is required than what I can bring in a simple iOS app."
I agree. The ad-blocking apps should be robust and keep consumers in control. If a consumer wants to block everything, she should be able to. If a consumer wants to block all ads from a specific advertising network and/or ads at a specific website, then he should be able to. Keep consumers in control.
And, the ad blocking should be simpler. Blocking apps should cover a consumer's multiple devices: phone, tablet, laptop, desktop, automobile, and household appliances (e.g., refrigerators, etc.) in a "smart home."Otherwise, the burden on consumers becomes massive.
And, make it opt-in not opt-out. Opt-out puts a perpetual burden on consumers to constantly monitor advertising activities and techniques. Simplicity is always better.
A worse-case scenario wold be apps that block ads, but still allow the tracking and data collection by advertisers. Keep consumers in control. I use the EFF's Privacy Badger add-on for my Firefox web browse, to stop both the ads and the tracking technologies embedded in website pages by publishers and ad networks. Privacy Badger explained how it is different:
"Although we like Disconnect, Adblock Plus, Ghostery and similar products (in fact Privacy Badger is based on the ABP code!), none of them are exactly what we were looking for. In our testing, all of them required some custom configuration to block non-consensual trackers. Several of these extensions have business models that we weren't entirely comfortable with. And EFF hopes that by developing rigorous algorithmic and policy methods for detecting and preventing non-consensual tracking, we'll produce a codebase that could in fact be adopted by those other extensions, or by mainstream browsers, to give users maximal control over who does and doesn't get to know what they do online."
Whatever tools consumers use to block ads and tracking, it needs to be robust to account for newer techniques, like canvas fingerprinting. One blogger equated ad-blocking software with the deadly pesticide DDT. While it is tempting to equate the intrusive online ads with unwanted insects, I wouldn't go that far. DDT was banned, and ad-blocking software should be encouraged, not banned. Like any other software, there are well-designed products and poorly designed ones.
Sure, publishers and website operators should be able to make to make money via advertising. The issue is one of balance: balancing consumers' needs versus advertisers' needs. If consumers user ad-blocking apps and browser add-ons, then advertisers have only themselves to blame. They've largely brought this on themselves with ad networks tracking across websites.
what are your opinions of ad blocking software? Which apps and browser add-ons do you use?