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#beffe9 Color Information

In a RGB color space, hex #beffe9 is composed of 74.5% red, 100% green and 91.4% blue. Whereas in a CMYK color space, it is composed of 25.5% cyan, 0% magenta, 8.6% yellow and 0% black. It has a hue angle of 159.7 degrees, a saturation of 100% and a lightness of 87.3%. #beffe9 color hex could be obtained by blending #ffffff with #7dffd3. Closest websafe color is: #ccffff.

    • R 75
    • G 100
    • B 91
    RGB color chart
    • C 25
    • M 0
    • Y 9
    • K 0
    CMYK color chart

#beffe9 color description : Pale cyan - lime green.

#beffe9 Color Conversion

The hexadecimal color #beffe9 has RGB values of R:190, G:255, B:233 and CMYK values of C:0.25, M:0, Y:0.09, K:0. Its decimal value is 12517353.

Hex triplet beffe9 #beffe9
RGB Decimal 190, 255, 233 rgb(190,255,233)
RGB Percent 74.5, 100, 91.4 rgb(74.5%,100%,91.4%)
CMYK 25, 0, 9, 0
HSL 159.7°, 100, 87.3 hsl(159.7,100%,87.3%)
HSV (or HSB) 159.7°, 25.5, 100
Web Safe ccffff #ccffff
CIE-LAB 95.307, -24.614, 3.961
XYZ 71.699, 88.348, 90.361
xyY 0.286, 0.353, 88.348
CIE-LCH 95.307, 24.931, 170.858
CIE-LUV 95.307, -32.089, 10.358
Hunter-Lab 93.994, -28.327, 8.797
Binary 10111110, 11111111, 11101001

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.text {color:#beffe9;}
.background {background-color:#beffe9;}
.border {border:1px solid #beffe9;}

Shades and Tints of #beffe9

A shade is achieved by adding black to any pure hue, while a tint is created by mixing white to any pure color. In this example, #000d09 is the darkest color, while #f9fffd is the lightest one.

Shade Color Variation
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Tones of #beffe9

A tone is produced by adding gray to any pure hue. In this case, #dce1df is the less saturated color, while #beffe9 is the most saturated one.

Tone Color Variation

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Below, you can see how #beffe9 is perceived by people affected by a color vision deficiency. This can be useful if you need to ensure your color combinations are accessible to color-blind users.

  • #e9e9e9 Achromatopsia 0.005% of the population
  • #e0ede9 Atypical Achromatopsia 0.001% of the population
  • #f9f1e3 Protanopia 1% of men
  • #ffeef1 Deuteranopia 1% of men
  • #dff5ff Tritanopia 0.001% of the population
  • #e4f6e5 Protanomaly 1% of men, 0.01% of women
  • #e7f4ee Deuteranomaly 6% of men, 0.4% of women
  • #d3f9f7 Tritanomaly 0.01% of the population


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#e0ffd0 Color Information

In a RGB color space, hex #e0ffd0 is composed of 87.8% red, 100% green and 81.6% blue. Whereas in a CMYK color space, it is composed of 12.2% cyan, 0% magenta, 18.4% yellow and 0% black. It has a hue angle of 99.6 degrees, a saturation of 100% and a lightness of 90.8%. #e0ffd0 color hex could be obtained by blending #ffffff with #c1ffa1. Closest websafe color is: #ccffcc.

    • R 88
    • G 100
    • B 82
    RGB color chart
    • C 12
    • M 0
    • Y 18
    • K 0
    CMYK color chart

#e0ffd0 color description : Very pale green.

#e0ffd0 Color Conversion

The hexadecimal color #e0ffd0 has RGB values of R:224, G:255, B:208 and CMYK values of C:0.12, M:0, Y:0.18, K:0. Its decimal value is 14745552.

Hex triplet e0ffd0 #e0ffd0
RGB Decimal 224, 255, 208 rgb(224,255,208)
RGB Percent 87.8, 100, 81.6 rgb(87.8%,100%,81.6%)
CMYK 12, 0, 18, 0
HSL 99.6°, 100, 90.8 hsl(99.6,100%,90.8%)
HSV (or HSB) 99.6°, 18.4, 100
Web Safe ccffcc #ccffcc
CIE-LAB 96.788, -18.27, 19.169
XYZ 77.883, 91.92, 73.31
xyY 0.32, 0.378, 91.92
CIE-LCH 96.788, 26.481, 133.625
CIE-LUV 96.788, -15.137, 31.566
Hunter-Lab 95.875, -22.779, 21.777
Binary 11100000, 11111111, 11010000

Color Schemes with #e0ffd0

Complementary Color
Analogous Color
Split Complementary Color
Triadic Color
Tetradic Color
Monochromatic Color

Alternatives to #e0ffd0

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CSS codes
.text {color:#e0ffd0;}
.background {background-color:#e0ffd0;}
.border {border:1px solid #e0ffd0;}

Shades and Tints of #e0ffd0

A shade is achieved by adding black to any pure hue, while a tint is created by mixing white to any pure color. In this example, #040c00 is the darkest color, while #fafff7 is the lightest one.

Shade Color Variation
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Tones of #e0ffd0

A tone is produced by adding gray to any pure hue. In this case, #e7e9e6 is the less saturated color, while #e0ffd0 is the most saturated one.

Tone Color Variation

Color Blindness Simulator

Below, you can see how #e0ffd0 is perceived by people affected by a color vision deficiency. This can be useful if you need to ensure your color combinations are accessible to color-blind users.

  • #f0f0f0 Achromatopsia 0.005% of the population
  • #edf3ea Atypical Achromatopsia 0.001% of the population
  • #fff5dd Protanopia 1% of men
  • #fff4ef Deuteranopia 1% of men
  • #f1f6ff Tritanopia 0.001% of the population
  • #f3f9d8 Protanomaly 1% of men, 0.01% of women
  • #f3f8e3 Deuteranomaly 6% of men, 0.4% of women
  • #ebf9ed Tritanomaly 0.01% of the population

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Common Questions

My vehicle was in an accident, what is the first step?

First, you will need to decide whether you are going through insurance or paying yourself. If you are paying yourself, come into our shop and we will look over your vehicle and provide you with an estimate outlining the costs. If you are going through insurance, the contact number you need to call should be on your insurance papers. Once they have processed your claim, an adjuster will contact you and inform you of your coverage. Let them know that you have come into Columbia Collision for an estimate and they will forward the appropriate information to us.

How much do I have to pay to get my car repaired?

Depending on your claim, when you pick up your vehicle, you may have to pay Columbia Collision:

  • a deductible—the amount you have to pay for repairs or costs before your insurance kicks in to pay for the rest
  • a portion of the cost of depreciation—when previously damaged or worn parts are repaired or replaced, or previously damaged or worn bodywork is painted
  • HST (applies to “HST registrants” only)

I was in an accident, do I have rental coverage?

Rental coverage is usually located on your insurance papers. If you have difficulties recognizing it, contact the number available and someone will inform you of your coverage.

I am not covered for a rental vehicle; do you supply a car while mine is getting fixed?

We do have a fleet of vehicles on standby for those who are in need of transportation while their car is in the shop. We make every effort to accommodate any customer who requires a vehicle.

Is Columbia Collision an ICBC Express Valet Shop?

Absolutely. We are an I.C.B.C. Express Valet Shop. We are fully accredited and in good standing with I.C.B.C.

I need an estimate, do you do that?

Yes. We offer estimates, free of charge. Appointments are not necessary, just drop in at your convenience and one of our estimators will be happy to assist you. If you are going through an insurance claim, you will need to bring is your claim # and insurance papers; this will help speed up the process for both parties. If you are privately paying, all we need to see is the vehicle. Due to the unique nature of vehicle damage, we cannot give estimates over the phone. Our estimators need to assess the vehicle first hand.

Which insurance companies do you work with?

We are more than happy to work with almost all insurance companies. We routinely work with out-of-province insurers as well as the local companies. In almost all instances we can work directly with the insurance company to gain the necessary approvals and directly bill them. We know that getting your car repaired after an accident can be difficult so we try to handle as many of the details for you as we can. We are always happy when customers tell us it much less painful than they were expecting.

My insurance company says that they won’t guarantee the repair unless I go to a “preferred” shop. Shouldn’t I go to the shop they want?

In British Columbia you have the right to take your car to where you want it repaired. It is always important to remember that. Some insurance companies can be quite insistent that they choose the repair shop rather than you. There are various reasons why they do this, but the bottom line is that you and the insurance company have a different set of interests when it comes to getting your car repaired. You want a good quality repair, handled in a timely manner, with a friendly face and a minimum amount of hassle. The insurance company’s interest is to keep the cost of the repair down. We are more than happy to work with all insurance companies to keep the costs down so long as it does not impair our ability to take care of our customer. So what about the guarantee? In our humble opinion this is nonsense. Insurance companies do not guarantee repairs – shops do. If you have a problem with a collision repair done through your insurance and you call your insurance company to complain, they will always refer you to the shop for resolution. That is why you want to go to a shop that you are comfortable dealing with. There have been many occasions where we have worked with customers to correct problems resulting from repairs done at the shop the insurance company “preferred”. Invariably in these cases the insurance company keeps sending the customer back to the original shop until the customer gets fed up and decides to seek out a shop (such as ours) that understands that the customer is the boss, not the insurance company.

I’ve had a small accident, the person that hit me doesn’t want to go through insurance, what should I do?

If the person who hit you is a friend — or for some other reason you want to do them a favor — we can make arrangements for them to pay for your repair before your car comes in. However, keep in mind that you are doing them a favor. And as with most favors there is a potential for things to go wrong. If there is any potential for hidden damages; go through insurance. Insurance companies have well-established procedures for dealing with hidden damages and changes to the estimate — consumers do not. You could get caught paying for any hidden damages. Also at the first hint of animosity — go through insurance. Allocating blame and responsibility is an everyday part of handling a collision claim. Insurance companies are well equipped to handle those un-pleasantries; consumers are not. One of the options that you might want to consider is to use the insurance companies ‘pay-off’ option. Insurance companies are more than happy to allow the other party to pay off the cost of the claim once it is completed. This allows the other party to protect their record. It allows you to make sure you get a complete quality repair while avoiding interpersonal issues. And it allows us and the insurance company to do what we do best.

How much does it cost to get a new paint job?

Sorry, we do not have a set price for repainting a car. The days of the $995.00 paint job are gone. That shops that used to do that have gone out of business. Today’s paints are designed to last for the life of the vehicle. Therefore we normally repaint only the panels of the car that have been physically damaged and need to be repaired. The good news is that today’s paint systems are much better at matching existing paint so that we only need to paint panels that have been damaged. The bad news is that modern paint systems are also much more expensive. If your paint has failed simply from old age, in most cases a repaint cannot be justified from a cost perspective.

The accident wasn’t my fault and I still have to pay the deductible, why?

On many occasions customers will have the repairs done to their vehicle soon after the accident. Quite often the other party involved in the accident may not have contacted the insurance company yet. On some occasions they are very reluctant to do so. If this happens you may need to pay your deductible, and be reimbursed later after liability has been resolved. Once the other party has reported or if they never do report the insurance company will determine fault from the information available to them. At this time they will refund your deductible directly to you.

Do you guarantee your work?

Absolutely! We guarantee our work for as long as you own the vehicle. Columbia Collision guarantees that all body and paint repairs to the vehicle have been completed to generally acceptable industry standards. We ensure that the finished product is free from defects in workmanship and materials, unless caused by or resulting from unreasonable use, maintenance, or care of the vehicle, or from rust arising from normal aging. The guarantee is valid from the date of issue, for as long as the vehicle remains in the continuous possession of the registered owner at the time of the original repairs.

Why Hire Us?

  • Lifetime warrantee on all of our work
  • Fully certified & licensed staff
  • Family owned & operated


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Vic Firth Tim Genis Signature "Roller" Timpani Mallets

Produces a beautiful roll quality without attack in the stroke. Felt core.
L = 14 1/2" Head = 1 3/4"

Availability: Backordered-Reserve Now

Now only: $95.55

Now only: $50.63

Tim Genis has been a member of the Boston Symphony Orchestra since 1993, when he won the appointment as Principal Percussionist - a position which he held until winning the timpani position, a role made vacant with the retirement of Vic Firth after a 50 year tenure.

Currently head of the percussion department at Boston University, Tim also runs the BUTI percussion program at Tanglewood. Mr. Genis has recorded for Sony, London Decca, and Philips recording labels and has been a guest performer with the Vienna Philharmonic and New York Philharmonic.

This versatile line of timpani mallets is tonal in character and designed to create different colors and qualities of articulation. Persimmon shafts provide a darker sound. The balance and weight of each model make articulation effortless.
Additional Info
Additional Info
Brand Vic Firth
Mallet Handle Persimmon
Mallet Application Timpani
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Get fast, discreet, and FREE delivery on all orders over $55 in Canada! Order by December 16th for Holiday Delivery!

How To Break Up With Anyone

Regular price $21.95

Not all relationships are made to last forever. Sometimes what starts as a beautiful friendship or productive partnership turns toxic, or one-sided, or unhealthy – and the best solution for both parties is to end it. In How to Break Up With Anyone, relationship expert Jamye Waxman has written a much-needed guide to every step of a non-romantic breakup. Drawing from her own experiences, Jamye provides strategies for disengaging from a friend, family member, community, or even former version of oneself, addressing both practical and emotional concerns. While ending a relationship can be painful, Jamye’s positive message focuses on the ultimately liberating aspects of putting unhealthy relationships to rest. By Jamye Waxman, 240 pages, 2015. Published by Seal.

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Red faux leather sofa bed

Drop down center console with cup holders is the main feature of this sofa bed in red faux leather. A variety of colors available in both fabric and faux leather (GL731-GL749).

Model: GL749

SKU: G749

Sofa: L84"x D36"x H39"

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Sophie Kan October 16th, 2017 What is the height from the floor to the surface of the seat, and what is the depth of the seat?
Comfyco team: Seat depth is 21 inches. Height from floor to seat 15 inches. Thanks.

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Glory Furniture
Manufacturer - Glory Furniture

Glory Furniture is a NJ-based wholesaler of quality imported furniture. Browse a large selection of leather sofas, sectionals and chairs at very attractive prices. Glory Furniture also offers plenty of uniquely designed furniture making it one of the premier players in the area.

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Sleeper Sofas CS056 469.00 Sleeper Sofas Braxton (Tan) 359.00 Sleeper Sofas Jansen 479.00 Sleeper Sofas Marbelle (Dark Brown) 399.00


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The Programme

Thursday 29th November 2012

08.00 - 08.35

Breakfast & Registration

08.35 - 08.40

Welcome from Simon Walker, Director General, Institute of Directors

08.40 - 9.00

Opening remarks from Khoi Tu, Founder, Inverstar and Author, 'Superteams'

09.00 - 10.15

Talent Today: how to make today’s top talent more productive
Discussion will cover innovative ideas and practical programmes that are running to ensure access, skilling and investment in the future workforce.

Chair: Ravi Mattu, Business Life Editor, Financial Times
Panel: Andy Doyle, Group HR Director, ITV; Professor Joseph Lampel, Professor of Strategy & Innovation, Cass Business School; Karen Mattison MBE, Founder, Timewise Jobs; Simon North, Co-Founder, Position Ignition

10.15 - 10.45

Alistair Cox, Chief Executive, Hays in conversation with Julia Hobsbawm, Chair & CEO, Editorial Intelligence & Honorary Visiting Professor in Networking, Cass Business School

10.45 - 11.00

Refreshment Break

11.00 - 11.30

Chair: Brian Groom, UK Business & Employment Editor, Financial Times
1) Alex Swallow, Founder, Young Charity Trustees
2) Gareth Jones, Author,‘Clever: Leading Your Smartest, Most Creative People’

11.30 - 12.45

Talent Tomorrow: Apprenticeships
Discussion will cover key areas of education, apprenticeships - where is the investment in skilling you people for the future?

Chair: Sarah Smith, Business Correspondent, Channel 4 News
Panel: Oli Barrett, Director CoSpA; Richard Hamer, Education Director, BAE Systems; Suzy Stride, Labour Parliamentary Candidate for Harlow and Manager at City Gateway.

12.45 - 13.30

Buffet Lunch

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Does the Bible tell us what heaven is like?

In the Bible, the word "heaven" occurs 276 times in the New Testament alone. Heaven is an actual place and is described as the beautiful dwelling place of those who have trusted Jesus Christ as their Savior. Paul said that he was "caught up to the third heaven" but was not allowed to say what he saw there (2 Corinthians 12:1-9). If there is a third heaven, what are the other two? Scholars agree that the first heaven is what is also called the sky, or the firmament, and is the space that contains clouds, the breathable human atmosphere that hangs above the earth. The second heaven refers to what we call "space" or the area where stars, planets and galaxies are found (Genesis 1:14-18).

The third heaven, which Paul was told not to describe, is where God dwells with the angels and the souls of Christians, having had a place prepared for them by Jesus Christ (John 14:2). The saints of the Old Testament also have a home there having died trusting in God's future promise of a Redeemer (Ephesians 4:8). It is true for those before Christ's death and afterward—those who looked forward to His atonement and those who, like us, look back—that whoever believes in Him shall never perish but have eternal life (John 3:16).

The apostle John saw the city of heaven and, unlike Paul, was told to write down what he saw. This is part of the book of Revelation, the spiritual vision of the end times and the coming of Christ. In Revelation 21:10-27, John saw heaven and the new earth, full of the "glory of God" (Revelation 21:11), which is the presence of God. Because God's presence is light, heaven does not need a sun or a moon, because the Lord Himself is its light (Revelation 22:5).

The city in heaven has twelve foundations, each made of a different precious stone, on which are written the names of the twelve apostles. It has streets of gold so pure that it is transparent. It has twelve gates, each one bearing a name of one of the twelve tribes of Israel, and each gate is made of a single, giant pearl (Revelation 21:12-14). Flowing through the city is the river of life, and lining the river are trees bearing a different type of fruit each month, with leaves that "heal the nations." It is wonderful to imagine the beauty of these things, but the reality is that heaven will be more beautiful and good than we can imagine (Revelation 22:1-2; 1 Corinthians 2:9).

Another description John gives of heaven is that there will be no sorrow there, no pain or tears (Revelation 21:4). We will never again suffer separation, because death will be dead and gone and will never steal from us again (Revelation 20:6). There will be no illness, no doubt or fear, and no sin. The most wonderful part of heaven will be the continual presence of God, from whom flow all good things and all blessings (1 John 3:2). He, the Lord our Savior, will be with us always, and we will be able to praise and thank Him perfectly for His sacrifice, for taking our sins on Himself, and for His provision of our eternal home in heaven.

Related Truth:

Will we know our friends and family members in Heaven?

Do people in heaven look down to earth and see us?

How can heaven be perfect if some of our loved ones are missing?

What does the Bible say about the new heavens and the new earth?

What happens after death?

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Truth about Eternity


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Defamation Lawsuit / Evan Hollemon Taylor Defamation Lawsuit filed by Fensterstock & Partners LLP for MR Taylor. Libel and Slander attempted defamation of character

1 Bensalem, PA, United States

Siest and desist filed on Nov 3 2008 in Pennsylvania with county. Seist and desist letter sent and received. Libel and Slander, attempted Defamation of Character by Bilal Aliyev of Texas.

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FRAUDULENT &Prescription& Pet Foods / Veterinarians with CONFLICT of INTEREST

1 NATIONWIDE, United States Review updated:
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Answers Nobody Knows
1) Can anyone enlighten as to any actual medicine and/or nutritional benefits within these examples of "Prescription Formulas" (main ingredients listed below) which are "prescribed" by veterinarians for:

a. Canid, mammal in the order Carnivora (Canine):

Ground Whole Grain Corn, Powdered Cellulose, Peanut Hulls, Chicken by-product Meal, Chicken Liver Flavor, Soybean Meal, Soybean Mill Run, Dried Egg Product, Soybean Oil, Corn Gluten Meal...

b. Felid, obligatory carnivorous species (Feline):

Ground Whole Grain Corn, Pork Fat (preserved with mixed tocopherols and citric acid), Chicken By-Product Meal, Soybean Meal, Corn Gluten Meal, Soybean Mill Run, Chicken Liver Flavor, Calcium Sulfate, Dried Egg Product, Soybean Oil, Flaxseed, Iodized Salt, Dicalcium Phosphate, Choline Chloride

2) WHY would a client-consumer totally suspend all belief and logic in regard to these species and actually feed this to their own?

(Because it's being labeled, sold, and prescribed as "Prescription", therefore being perceived as MEDICINE.)

3) Can anybody cite any actual MEDICINE in these "prescription formulas"? (Answer is right on the INGREDIENT LABELS.)

4) Then how can they possibly justify the PRICE -- as much as $75.00 -- which naive clients shell out for it, especially when comparing the INGREDIENTS side-by-side with a bargain brands' ingredients? (See ALPO's Savory Beef which lists BEEF and CHICKEN within the first FOUR main ingredients.)

5) Can they also explain why they think carnivorous companion animals should be eating Sawdust and Peanut HULLS?

5-a.) Are they even aware of just what Powdered Cellulose IS?

6) Has it ever occurred to people that eating these things is what actually CAUSES all the most common ailments and diseases in these species in the first place?

Carnivores' dentition and digestive systems do not permit efficient processing of grains and vegetable matter (let alone the inexplicable "things" listed above.) This is why nature designed and programmed them to eat what is already DIGESTED in their prey. 7) Can anybody deny this?

8) Would you consider it ethical and LEGAL should our family Physicians have such a "relationship" with the Snack Food Industry and convinced everybody that "prescription" Corn Chip diets were necessary -- while they profited from the corn chip sales, as well as, drug company points for additional medications sold to mask the ailments resulting from such a strict diet?

Would we accept this -- despite the ingredients we see listed right on the packages -- and just pay the price, just as we do without hesitation for our chronically ailing, over-drugged companion animals?

9) Are there any differences between the Oath veterinarians took with that of our Physicians/M.D.s?

Virtually everybody who SHOULD be alerting and informing companion animal owners to this scam is invariably tied to, and profits from, the Commercial Pet Food Industry.

-Unlike Physicians, Veterinarians only have to answer to their own governing body - itself largely funded by the Commercial Pet Food Industry.

So guess who gets to "teach" our Veterinarians "NUTRITION", too!

Naive companion animal owners are convinced by their trusted veterinarians that their pets "need" to ingest these things to get well, yet corn (tough to digest) -- along with soy and wheat which are also most prevalent in most of these foods -- is among the most common, PROVEN, causes of allergies and other health issues in dogs and cats.

And nobody's ever warned us?

Had to find it all out on the INTERNET after having learned it all the hard way!

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  • Sl
      22nd of Jan, 2009
    +1 Votes

    Currently going through the same issue with VCA (very costly animal care) over the alleged prescription pet food
    when we first started using this brand of low residue around 2004 it was fairly reasonable around 30 bucks but since then the cost has skyrocketed, add shipping from anywhere from 18 to 35 dollars and you have a hundred dollar bag of dog food real quick. add cannned and it's well over a hundred and fifty.
    My dog is almost 15 and has health issues and is on numerous meds am on a fixed income VCA will give a discount for prescription meds or some care but not for the food even though you need a prescription for it what? sounds fraudulent to me.
    talked to their corporate office and was told in a nice way to basically go screw myself.
    thanks for posting this
    Slo and J Dogg inMichigan

  • An
      6th of Nov, 2009
    +1 Votes

    Marketing, marketing, marketing.

    Sheesh, who'd foot the bill for their seminars & meeting if they didn't cozy up to the pet food industry.

    One could ask if the pet food industry isn't helping their revenue streams with sick animals - and naturally nobody knows enough to say Yup, it's the pet food making them poo until their bottoms are raw or upchuck so much they need IV's of fluids.

    Right, no published science on the nutritional value of a brand that hasn't been generated from a scientist with no conflict of interest, no public documentation of safety of pet foods, no education in nutrition, no documented nutritional science on the advertising claims on packaging or websites, NCR isn't helping the FDA - AAFCO & the pet food industry are the ones with the Memorandum of Understanding with the FDA.

    Tell me when pet parents/pet owners step up and say NO to this madness.

    AngryLabCat - don't make me an involuntary lab animal in my own home

    (ps. Mommie is getting us to eat homemade chicken & rice & beef & carrots & garden peas with added nutrients..yummers. Hope she can start doing it more often)

  • Po
      7th of Mar, 2011
    +1 Votes

    As a professor in a veterinary college in the USA, I can confirm that serious conflicts of interest exist. Many of our students get free or heavily discounted food from 2 pet food companies during their 4 years of vet school. Each recipient of this largess receives gifts that are cumulatively worth hundreds or even thousands of dollars. Moreover the faculty of the college has turned over it's small animal nutrition teaching to persons affiliated with and indirectly paid by a pet food company. Many students and faculty continue to argue that these personal and institutional gifts are meaningless. No doubt any taker of bribes would argue the same: we were going to favor those interests anyway. Yet, meaningless gifts ought to be easy to refuse by people--and Universities--interested in their profeessional standing. A profession sets its own ethics, and thus one cannot say that such flagrant conflicts of interest are unethical. But one might hope for standards somewhat higher than used car salesmen in the veterinary profession. Pity that expectations are not reality. Where is the AVMA in providing leadership on this matter? On the take, that's where. Our College was recently reviewed for AVMA accreditation: nothing I saw mentioned on our lack of conflict of interest policies much less our flagrantly extant conflicts. Shame on us.
    Dale Hancock, DVM PhD, Washington State University (

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My Online Credit / Unauthorized billing

1 MN, United States
Contact information:

I've had $149.00 deducted from my bank account for this service that I don't even remember signing up for.

I received an email to ACTIVATE the account and I did not. They took the $149.00 anyway.

Then I received another email weeks later saying my account has been "approved." In the interim I spoke to JIM from the company who said I needed to write a letter to receive a refund (I even included a copy of the check). I did so, almost a month ago and have not received my refund check.

I called this morning using the phone number in the last email. AND the recording told me it was an invalid number.

This is the last email:

Your application for MyOnlineCreditStore has been approved.

Please logon to and activate your account and start shopping today.

Click on the "New Customer" link in the upper right-hand corner of the website.
You will need your social security number and a valid email address to activate your account.

If you need assistance, call customer service at [protected]

This is an automated message. Please do not respond.

I have not heard ANYTHING from them at all.

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It appears every single person on Earth has a public opinion on Kanye West’s most recent outlandish comments on slavery. Of course, TMZ is here to collect some of them. The outlet caught up with comedian Michael Blackson at LAX on Thursday to get his reaction to Kanye’s “slavery sounds like a choice” comments.

Blackson also didn’t understand or condone the comments, like pretty much everyone who has reacted to this particular outburst. “He didn’t explain himself well enough, there is no way you could explain that,” Blackson said. He then provided what is likely the most provocative comparison yet: “That’s like saying his wife got robbed by choice.”

Blackson suggested Kanye “blame” the comments on his opioid addiction, which he revealed during the same TMZ Live appearance as the slavery comments. “I’m sure there’s something—he just has to find a better way to explain that, because I’m not understanding, Kanye,” Blackson said, directly to camera.

Finally, Blackson provided a different perspective: A native of Ghana himself, Blackson pointed out how he’s been to the slave castles in his hometown and has seen firsthand how Africans were captured and unable to fight back against the white men who forced them into slavery. “They couldn’t fight that battle, it wasn’t by choice,” he said.

Blackson did suggest a silly way to try to snap Kanye out of his own ridiculousness: Take a photo of him with flash, hoping that it’ll snap him out of the sunken place like the characters in Get Out


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BMC moves on Linux; adds Sybase, SQL Server tools

BMC Software has entered the enterprise Linux arena with a series of new products.

While BMC previously supported some Linux distributions, the company has now extended support for several of its systems and database management products to enterprise-grade Linux distributions, said Dave Hilbe, product management director at BMC's Linux Solutions Group.

"We used to focus on what some might call consumer versions of Linux that update fairly regularly, Red Hat 7 for example. We are now putting more emphasis on the enterprise level distributions," he said.

BMC has added support for Red Hat's Enterprise Linux 2.1 and SuSE Linux's Linux Enterprise Server 8 to several of its products, including Deployment Manager for Linux Version 1.2, and its SmartDBA cross-platform database management tools.

The new version of Deployment Manager allows administrators to manage thousands of dissimilar Linux systems from a central location. The tool supports in-house Linux applications and disk sharing for IBM's Virtual Memory operating system, BMC said.

Separately Tuesday, BMC expanded its family of products for managing mixed database environments with the addition of performance monitoring tools for Sybase and SQL Server databases.

BMC announced SmartDBA Performance Monitoring Solutions for Sybase's and Microsoft's database products. The introduction of support for Sybase and Microsoft SQL Server rounds out the SmartDBA product family, BMC said. SmartDBA already supported IBM's DB2 and Oracle's database.

Still, the SmartDBA set offered for Oracle and IBM is broader than that for Sybase and Microsoft databases. For Oracle and IBM, BMC also offers tools for space management and SQL tuning. BMC is looking at offering those features for Sybase and Microsoft database products, said Tim Mueting, senior marketing manager at BMC.

The SmartDBA products for Sybase and SQL Server and the Linux products are available immediately. Pricing varies by licensing model.

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BT will press on with U.S. hyperlink patent lawsuit

For all the pro-Web services enthusiasm here at Forrester Research Inc.'s conference, serious security- and trust-related concerns emerged as a common theme.

Citing worries about investing trust in third-party identity providers such as RSA Security Inc. and VeriSign Inc., conference attendees and speakers at the conference on Monday and Tuesday focused on security standards and issues, with PKI (public key infrastructure) surfacing as one of the most significant hurdles to enterprise Web services adoption.

"The trouble with PKI is it slows down [transaction] performance," noted an executive from a large financial services provider, who asked not to be named. Directing her comments at an executive from VeriSign during informal discussions, the executive said third-party identity providers can slow down Web transactions to the point where service providers risk losing online customers.

Greg Papadopoulos, chief technology officer at Sun Microsystems Inc. in Santa Clara, California, addressed the issues of user identity, context, privacy, and trust during his keynote, commenting that the industry needs to agree on fundamental standards governing their use. "The biggest issue in my mind is how to manage authenticity," he said.

According to Papadopoulos, the process of building a reliable PKI infrastructure needs to be "as easy as http."

"Fundamentally, we need to go way beyond the Passport model," said Richard Taggart, director of enterprise technology architecture integration and standards at General Motors Corp.

Taggart's concerns revolve around the problems inherent in the existing Internet infrastructure he described as offering "lousy security," inadequate privacy, anonymity, and borderlessness: "It's actually too open."

Boasting an annual IT budget of US$5 billion, Taggart admitted GM has significant influence over IT vendors. "We beat them mercilessly," he said. In that context he commented that he was "delighted" to hear Microsoft recently renewed its focus on security with the appointment of Scott Charney as the company's chief security strategist.

"[Security] has been a big issue that has cost them enterprise leverage," he said.

As such, he's working closely with Sun as part of GM's participation in the Liberty Alliance, and to some degree Microsoft.

"We are trying to experiment with Web services in virtually every area of our business," he commented, noting that GM is moving toward a position of looking at vehicles "as a bunch of IP addresses."

John Leggate, BP's group vice president of digital business, also expressed concern over security, noting that the company is currently "nailing down" its security standards and is moving closer to selecting a set of partnerships with companies including Vitrea and Tibco.

IBM and Microsoft also weighed into the debate.

Rod Smith, vice president of emerging technologies at IBM's software group, said during a Q&A after his keynote that he expects to see wider adoption of industry standards in 2002. "We need to make sure everyone agrees to a security standard," he said of the vendor community.

Microsoft's representative at the conference, .Net architect John Shuchuk, reiterated the company's recent proactive stance on security. Citing reliable messaging as a significant concern, he said instead of promoting existing "channel-level" encryption techniques, Microsoft is developing technology to leverage XML signatures and XML encryption.

A signed SOAP (Simple Object Access Protocol) packet would be more secure as it avoided exposure at intermediary technology, he argued.

Forrester's group director of research, John McCarthy, said the long-term vision for security is to bake it into the Web services standards.

Where privacy is concerned, McCarthy believes the problem is as much a business issue as it is technical.

"The biggest issue with privacy is working out your [company's] escalation procedure for a privacy brouhaha," he said.

For one conference attendee, it was all good news because demand for security solutions spells sales opportunities.

"I look at this conference for what is the hottest technology I can sell," mused Leo McDermott, a senior sales representative at startup integration vendor CrossWeave in Scottsdale, Arizona.

McDermott's take-away from the conference reflected the sentiment of many speakers who pushed the message that despite challenges like security, now is the time to start implementing Web services.

"I can now go start selling Web services products; it's no different from anything else I've done," he said with regard to distributed applications.

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Team Enablement

Search Second Most Popular Activity Online, Transcends Age

The Pew Internet and American Life Project recently released new data on how internet users are spending their time online. Search was the second most popular activity, with 87% of users using a search engine in 2010, while email is a central part of what users do online with 94% of users emailing. Social networking continues to gain traction with 61% of users who used a social networking site.

Online Activities for 2009 and 2010

Source: Pew Internet and American Life Project; 2010 compared to 2009 where availible

Online Search Transcends Age

When we dig into the breakdown of online activities by age group we see social networking does not have the same broad generational appeal as search, peaking with 83% usage amongst 18-33 year olds, but declining to 16% for 74+ year olds.

Source: Pew Internet and American Life Project

Search usage, on the other hand, remains relatively steady across generations, with even three quarters of 74+ year olds using a search engine.

87% of online users utilize a search engine compared to 61% that use a social networking site.

Search Engine Usage by Age Group

Source: Pew Internet and American Life Project

The bottom line? If a user is online, regardless of age group, they are using a search engine. While there is a lot of hype around social networking and clear benefits to it being a part of the online marketing mix, search is still being used more (in many cases far more) by every age group across the generational spectrum. This reminds online marketers as they develop an online strategy going into the new year, to keep SEO a central part of their online marketing mix.

-Nathan Safran
Senior Research Analyst


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I was at my home office when I got a text that said, “Join me on Ring Central and download these two apps.” It was Eric, Principal Partner at Consilien and Head of Cyber Security at Consilien.

The first app I downloaded was Google Authenticator for Multi-Factor Authentication (MFA). In today’s hyper-hackable home and business environment, MFA is an inconvenient necessity. While on the call, I was advised to also enable it for Facebook and everywhere I visit on the internet, which I’ve done as well, and you should too.

Cybercrime, like home and office robberies, are crimes of opportunity. If you lock your doors when you leave home, then you need to take the same level of precaution at the office. I often tell my friends and colleagues that everyday someone is trying to break into your business. Don’t make it easy for them.

MFA, Why You Need It

Long gone are the days when security was asking for two passphrases like, “The name of your paternal grandfather” and “Your mother’s middle name.” Now, we need Multi-Factor Authentication which bases identification on at least two of three of the following factors:

  1. “Something you know” like a password or login.
  2. “Something you have” token based, like receiving an SMS on your phone.
  3. “Something you are” like your fingerprint or iris scan.

There are a variety of MFA’s on the market right now. There are ones that use hardware tokens that you carry around with you like RSA SecureID or Microsoft’s OATH tokens. The biggest downside to hardware tokens is that they can be expensive to implement.

There are mobile tokens which use a mobile app like Google Authenticator, Push-based authentication tokens which will carry an encrypted message that can be opened only by the specific app on the user’s phone like Authy. Please note however, that pushed-based platforms must integrate into the service you are trying to protect and not all of them integrate with the apps that run your business. Then there are QR code-based tokens which work offline.

For added security we’re using WatchGuards cloud-based push-based authentication app called AuthPoint which adds even more security. This proves to be a great choice, because AuthPoint just won The CRN Tech Innovator Awards in the “Security – Network” category.

“AuthPoint goes far beyond traditional two-factor authentication (2FA) by incorporating highly sophisticated methods to ensure authentication messages are coming from legitimate mobile devices, and leverages a large ecosystem of 3rd party integrations so customers can use MFA to protect access to the network, VPNs and Cloud applications.” (citation)

Watch this video to learn more…

Here’s to keeping your business safe and profitable.

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News story: Sopra Steria has been awarded a new UKVI contract

Home Office Building - London - by .Martin. via Flickr

News story: Sopra Steria has been awarded a new UKVI contract

Sopra Steria has been awarded the contract to deliver a new service for people applying for a work or study visa, settlement or citizenship from within the UK, the Immigration Minister announced today (Thursday 17 May).

The new service will deliver a more streamlined application process from over 60 locations across the UK, including 56 local libraries.

Under the new arrangements people using the service will be able to submit biometric information including photos, fingerprints, and signatures and their supporting evidence at a single appointment. The evidence will then be copied and sent to UKVI, meaning that people won’t have to hand over important documents, such as passports, whilst the applications are processed.

In addition, the new process will mean that individuals can choose to upload digital files in advance of their appointment, saving even more time.

The Immigration Minister, Caroline Nokes said:

The new streamlined service will make the visa application process quicker and easier to access than ever before for people in the UK, through increasing the use of digital services.

We look forward to working with Sopra Steria to continue to deliver a world class and convenient service for UKVI customers.

Managing Director of Sopra Steria’s government business, Adrian Fieldhouse, said:

Sopra Steria has a proud history of delivering services on behalf of government and has been delivering forward-thinking solutions for over 50 years.

We are excited to continue this tradition, offering people in the UK a new model of public service delivery, as well as a great customer experience. In addition, people will be given the choice to pay more for added value services, so they can create their own bespoke service to meet their specific needs.

This is a great, tangible example of transformation at work and goes to the heart of our business here at Sopra Steria, which is to make the public service experience for people in the UK a world-leading one.

The new service will help build community links through working in partnership with the Society of Chief Librarians and utilising their reach into local communities across the UK.

Alongside the new service, UKVI Service Centres will continue to offer appointments for anyone who needs a face to face interview with a caseworker.

Sopra Steria will take on the contract in October 2018.


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About us

We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

I was an authorized user on my deceased relative’s credit card account. Am I liable to repay the debt?

No, being an authorized user generally does not obligate you to pay the debt.

If a debt collector insists that you co-signed the account but you believe you did not, you may request that the collector provide evidence, such as a copy of a contract that you signed. Credit card issuers usually report authorized users’ status to the credit bureaus. You may be able to satisfy the debt collector that you were just an authorized user by showing the collector the relevant portion of your credit report. You can obtain a free copy of your credit report once each year at each of the three nationwide credit bureaus at , by calling 1-877-322-8228, or by mailing a request.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.


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What You Need to Know About Appointing a Sales Agent

Make sure your agent isn't sleeping on the job
Make sure your contract allows you to terminate if your agent is caught napping!

If you are thinking of appointing a Sales Agent, either in your own country or overseas, you should be sure to to have the terms agreed in writing.  A good contract will protect your interests and help you avoid disputes or lose sales.

This article explains some of the key issues to cover.  They apply at home as well as abroad, but because selling into another country is more complex, a written agreement in that case is essential.

Why Appoint a Sales Agent?

One way of increasing your sales is to appoint an agent who finds customers for you and receives commission on the sales that you make to those customers.  And this applies whether you are selling goods or services, and whether you want to find customers at home or abroad.  It is one of the most cost effective ways of getting into a new territory for your products.

Once you have decided on the territory where you want to market your goods or services, you will need a reliable agent – i.e. someone who has the right qualities and experience and, so far as you can tell, he is likely to deliver a reasonable return for you.

But it is important that you have a written contract with the agent that sets out the key terms agreed between you and which allows for the arrangement to be brought to an end if it does not work out for you.

What’s the Worst That Could Happen?

Typically the key situation to avoid is that your agent doesn’t make sales for you, but you are locked into a contract and can’t terminate it for some time. This could be because the agent decided to focus on another client or simply isn’t great at getting you customers. So make sure you have sales targets and termination clauses that protect you.

Terms to Include in Your Agency Agreement

  • Specify the Territory and Products

Your prospective agent may want as big a territory as possible and he might even want to cover neighbouring countries.  Resist this – start with a limited area and see how it develops – it’s much easier to expand than contract the territory.

Similar principles apply to the products he will sell: especially if you have a wide range. Start by appointing the agent to sell one line of your products and if that works out, you can expand the agreement.

  • Exclusive or Non-Exclusive?

Is your agent appointed on an exclusive basis – i.e. is he the only agent for the territory or might you want to have more than one agent there? If it’s exclusive, make sure you can rely on your agent to sell well.

  •  Duration

What is the initial term or duration of the agreement?   Make it long enough to give the agent time to get established and into the market with your products, but no longer. It can then be renewable yearly if things work out.

  •  Commission and Payment

Set out the commission payable – which may be on a sliding scale depending on sales volume, when it will be due – monthly, quarterly, etc., how payment will be remitted and allow for adjustment if there are refunds or customer default.

  •  Sales Targets

This is one of the most important terms as it allows you to monitor the agent’s performance.   So start by specifying some (preferably agreed) sales targets in the contract – e.g. £10,000 of sales in the first 6 months increasing to £7,500 a quarter after that.

And include a clause that allows you to revise the targets each year.  As well as monitoring performance, this can be useful to trigger termination if the agent underperforms as well as challenging any claim that he makes  for compensation if you do bring the contract to an end.

  • General Obligations

It is sensible to identify what marketing material and technical data you will provide and if training of the agent’s sales staff is needed.  You may also want to have terms that require the agent to have a marketing budget, to report on sales prospects at regular intervals etc.

  • Intellectual Property

Protect your copyright and trademarks and make it clear that the agent’s right to use your trademarks and trade name is strictly limited.  It can also be useful to require him to notify you if he comes across any unauthorised use of your intellectual property rights in his territory.

  • Termination

You need a clause that allows you to terminate if the agent commits a breach, fails to meet targets or becomes insolvent. And he will want the right to terminate for non-payment of commission.

If the agent is a limited company you might also want the right to bring the agreement to an end if a key player in the company leaves the company.

Also, with an overseas agent, be sure to check what the local law says about termination and what compensation might be claimed.  Within the EU there are rules that allow an agent to claim compensation or an indemnity on termination.  We have a free download on this: Z163 Commercial Agents in the EU – Legal Aspects.

  • Non-Competition & Confidentiality

You may want a clause that prohibits the agent from representing any of your competitors during the agreement and for a limited time after it comes to an end. Also it is advisable to have a confidentiality clause so that information concerning your business is kept confidential.

  • Dispute Resolution and Governing Law

If you are UK based, you may think the contract should be governed by English law and disputes resolved in the English courts.  But if the agent is based abroad, this may not be the best solution.

If the agent has no assets in England, there may be little point in suing him there as you would have to get the judgement enforced in his own country – and that is likely to necessitate bringing the proceedings all over again.  Arbitration is often a good solution.

On this and the terms generally, it is essential to get legal advice in your agent’s country as well as your own before finalising the contract.

ContractStore has several templates for appointing agents:


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Bribery Act UK: Is Your Business Prepared?

New UK legislation coming into force on July 1st 2011, requires companies to have “adequate procedures” to prevent corruption – i.e. a Code of Conduct – in order to avoid the risk of an offence under the new law.

ContractStore and GovRisk (The International Governance & Risk Institute) have teamed up to produce a template Code of Conduct to aid SMEs.

About the New Laws

On July 1st 2011, the Bribery Act comes into force in the UK. This new legislation is broad-ranging in its language and it covers corruption occurring abroad as well as at home. It is essential for companies to get a policy in place to show they are complying and avoid prosecution.

But many businesses have been slow to adopt appropriate policies and procedures, as they have yet to fully appreciate the seriousness of the Act’s implications.

New Offences

Under the Bribery Act 2011 there are four new offences:

  • Bribery of another person
  • Accepting a bribe
  • Bribing a foreign official
  • Failing to prevent bribery

Bribery Act: Key Facts

  • Companies as well as individuals can be prosecuted
  • The only defence to the new offence of failing to prevent bribery is to show you have “adequate procedures” in place to prevent such corruption
  • A company can be prosecuted for bribery in the UK and overseas, and for bribery by employees as well as third parties appointed by your organisation

Founder of, Giles Dixon says:

“Every business should have a Code of Conduct in place which is compliant with the Act and the Guidance issued by the UK Government. Training of personnel is another important aspect of the compliance procedure.

“We are in the business of helping companies to keep legal costs down and we are concerned that this far-reaching legislation could expose many to prosecution. To support the UK SMEs that are our main customer base we’ve teamed up with GovRisk training providers to make available online a ready-to-use template Code of Conduct.

“Like all our documents, it’s clearly written in plain English, editable in Word and comes with explanatory notes.

“ContractStore’s model Code can be adapted to cater for particular circumstances, as the corruption risks for a company vary depending on the size and nature of the business and the areas of the world in which they operate, as well as the extent of your relationships with others – joint venture partners, agents, Government clients etc.

“We want to make it as easy as possible for UK businesses to get this issue sorted out quickly and easily.”

Prepared for in conjunction with the GovRisk, this Code of Conduct is available for a limited period at a special introductory price of Ł27 (excludingVAT).

It can be downloaded online directly from Specific guidance and tailoring services are also available.

The International Governance and Risk Institute (GovRisk) are holding an afternoon seminar and drinks reception on the “UK Bribery Act and its Impact on Your Business” on July 14th in London’s Canary Wharf from 4pm. The seminar will feature some of best experts in the field of Anti-Corruption and a drinks reception will follow. Registration is on a first come, first served basis as places are limited.


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Terms & Conditions for Sale of Goods Online (E-commerce T&Cs) (A179)

£39.00 plus VAT
Buy Excluding 0% tax

These Terms & Conditions are for use by traders selling goods on the internet.

Designed for use in the UK, this five page document contains 16 easy-to-read clauses covering:

  • definitions and interpretations
  • price
  • ordering goods online
  • privacy
  • payment
  • delivery
  • cancellation
  • risk and ownership
  • warranties and liability
  • notices
  • customer default
  • force majeure
  • intellectual property
  • disputes
  • governing law
  • a general clause addressing severance, assignment and the scope of the agreement

This contract template is for businesses trading over the internet and are to be displayed on your website. It takes account of current consumer contract regulations.

It allows you to offer customers high quality policy procedures for online ordering and sales, and it protects you by helping to ensure you meet online trading regulations.

You may also find these contracts of use:

£35.00 Plus VAT

A short Purchase Order Form for use by a business when ordering goods, with terms and conditions included. This is a simplified version of document A129 running to only 9 short clauses covering: the scope…

Add to cart Excluding 0% tax

£47.00 Plus VAT

This package includes Terms & Conditions of Purchase, a form of Purchase Order (incorporating the Terms and Conditions) and explanatory notes. While reasonably balanced, these conditions are designed from the purchaser's perspective and are intended…

Add to cart Excluding 0% tax

£43.00 Plus VAT

The file contains a package of documents consisting of the Conditions of Sale and explanatory notes, together with a duplicate set of Conditions in a format suitable for provision to customers by inclusion in quotations,…

Add to cart Excluding 0% tax

Explanatory Notes

These terms and conditions for the sale of goods online should be displayed on the website where goods are being sold.  They are written primarily for a business that is selling to consumers rather than b2b and they are designed to comply with the latest Consumer Regulations as at June 2013.

The terms and conditions should be easily accessible by visitors to the website.  In addition, a customer who wishes to purchase goods online, using a credit card or some other payment method, should be required to confirm that he/she acknowledges that placing an order implies an obligation to pay. Also the customer should confirm that he/she has read the terms and conditions and accepted them before proceeding to the checkout.

In order to have evidence that the customer is aware of the terms on which goods are sold, the usual system is to have a ‘tick box’ which must be ticked by the customer confirming that the terms and conditions have been read before the sale process can be concluded.  In the case of consumer contracts, clearly written, easily accessible terms are important.

The sale of goods online is subject to quite a lot of regulation, especially in the case of consumer contracts.  The Consumer Rights Act 2015 sets out the rights of consumers when buying goods, services or digital products. There are summaries of the key points on our Blog.

The Act can be found here: http://www.legislation.gov.uk/ukpga/2015/15/contents/enacted

he key features of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are summarised in a note on our website that you can download free of charge –document Z171.  It is important to provide on your website all the information required by the Regulations as failure to do so can mean the contract is no binding on the consumer.

The Regulations can be found here:

Please note: Our Terms & Conditions contain some blanks and some wording in italics and/or square brackets. You should be sure to replace these with relevant information before you publish your Terms & Conditions. You also need to go through the Terms and change anything that does not apply to your business.

Turning to the detailed clauses, comments are set out below:-

The name of the company selling goods should be inserted as indicated.  Also, you must identify clearly the “Goods” which are being sold.

Clause 1.2 is designed to make it clear that the seller’s terms and conditions will take precedence: online sellers do not have too much of a problem here but in other situations, a purchaser may confirm that he wishes to buy on his own terms and conditions and an argument can then develop as to whose terms and conditions actually apply to the contract – this is known as the “battle of the forms”.

It is a legal requirement that the total price of the goods, including taxes and any other charges are clearly shown.  The wording in clause 2.2 is designed to reflect this but it may have to be adjusted depending on what information is provided on the website.

In clause 3.1 the customer is required to “warrant” that the information that he provides when he purchasing is accurate – this is intended to protect the seller against credit card fraud, although in practice this can be difficult.

Clause 3.2 attempts to deal with this problem in another way:  when a credit or debit card payment is made online, it sometimes happens that the details provided to the company processing the payment do not fully match the details held by the customer’s bank.  In spite of this, the banks will sometimes allow the payment to proceed.  A discrepancy will usually be highlighted by the company processing the payment and this will then enable the seller to make some further enquiries before dispatch of goods.  Worldpay, for example, notifies the seller with a ‘Caution’ or a ‘Warning’ depending on the perceived level of risk.

Clause 3.3 is designed to give the seller some protection if there is any technical error which arises.

The Data Protection Act controls what people can do with information which is provided to them.  The wording of this clause may need to be amended if, for example, the seller is intending to supply lists of customers to a third party, then the consent of the customer should be obtained.

This is reasonably self-explanatory and makes it clear that, whatever method of payment is used, payment must be received in full before the goods are dispatched.  This again can give protection if a credit card payment is cancelled.

It is possible that the delivery date will be specified on the website but if not, it should be provided by the seller and since deliveries cannot always be guaranteed, clause 6.1 is intended to give the seller some protection. Unless otherwise stated in the terms, delivery should be within 30 days.            Clause 6.3 requires the customer to give prompt notice if the goods arrived in a damaged state.

There are, as mentioned, numerous regulations with regard to “distance selling” whereby a customer has the right to cancel an order within 14 days from the date he/she receives the goods and to receive a full refund from the trader within 14 days.

This clause largely follows the wording recommended in the Regulations and it includes a reference to the Model Cancellation Form in Schedule 3 of the Regulations. A copy is attached to these notes. Use of the model form is not compulsory and you may refer to have a cancellation form on your website.

The seller is entitled to impose certain cancellation charges on the customer and this is covered by clauses 7.2 and 7.3.

Under the Regulations, goods which have been personalised for the customer or which have been made to the customer’s specification are excluded from the cancellation provisions and this is made clear by clause 7.8.

In the case of digital content, when the content is delivered online once payment has been made, rather than after 14 days, the terms need to be revised to make it clear that the customer consents to early delivery and agrees to waive the 14 day cancellation rights.

Once the goods are delivered to the customer, the customer becomes responsible for loss or damage.  The Regulations refer to a consumer acquiring ‘physical possession’ of the goods. Clause 8.1 also allows for the risk to pass to the customer if there is an arrangement whereby the customer agrees to collect the goods.

Under clause 8.2, the seller retains ownership until all payments have been received – this gives the seller the right to recover the goods if they are delivered before full payment has been received.

Under the general law there are implied warranties on the part of the seller – that the goods which he is selling will meet the description and that they will be reasonably fit for the purposes for which they are required etc.  This clause contains a fairly basic warranty on behalf of the seller.

Under clause 9.3, the seller in effect offers a guarantee that if within a specified period any defect in the goods appears, then the seller will either repair or replace those goods, but the cost of return is at the customer’s expense.  Clauses 9.4 and 9.5 are designed to limit the seller’s liability. Here again there are laws designed to protect the purchaser and the seller should check the legal position.

Whenever a claim arises, it is sensible to have a formal method of giving notices and that is dealt with here.  If goods are being sold online, it may be  logical for e-mail notices to be accepted but the seller might prefer to have a more traditional method of notice – e.g. by fax or post.

This clause sets out grounds on which the seller has the right to cancel the contract and recover possession of any goods which might have been delivered.

Certain unforeseen circumstances beyond the control of the parties might prevent the seller from making a delivery in accordance with the terms and this is covered here.  The seller can cancel or suspend the contract in those circumstances.

There are some fairly standard clauses known as ‘boiler plate’ clauses which lawyers like to see in agreements of this type and some of them are set out here.

Where goods which are sold are subject to Intellectual Property rights – e.g. a work of art or a piece of sculpture, sale of the goods does not give unlimited freedom to the purchaser: copying a work of art and then selling it would require the consent of the artist.

If there is a problem that cannot be resolved amicably, this clause allows for the possibility of mediation and, failing that, a dispute will be referred to the English courts.  Mediation is a process where an independent third party endeavours in an informal meeting to resolve a dispute and it is a lot cheaper than the court processes. See our free documents for more information on Dispute Resolution.

Since the contract is written with English law in mind, this is the law which governs the contract.


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Cooper has just published the third in a series about Elections for UX Magazine. Below is an excerpt from the article "Speculative Tools for Learning about Politics" written by Joe Kappes. Read the full article on UX Magazine.

In this contentious election year, the news is full of hateful rhetoric that has bogged down social media with polemic hashtags like #BernieorBust, #shillary, and #neverTrump. With all this noise, it can be difficult to parse out what you really believe when it comes to the key issues and with whom you actually agree. For this reason, I was drawn to when one of my colleagues posted about it on Cooper’s Slack platform. Isidewith follows in the trend of political quiz sites that help people understand how aligned they are with certain politicians based on core “issues” and “beliefs.” It asks you to fill out a survey about things like social, economic, and foreign policy issues and tells you how closely your answers correlate with how politicians describe themselves. It then provides you with a number representing the percentage you align with each candidate.

The promised clarity and simplicity of a single number to express affinity among many hugely complex issues finally compelled me to visit After spending a great deal of time with Isidewith--and getting a better idea about who I side with--I spent some time thinking about what function this tool fulfills, why it’s beneficial, and the ways in which future tools could build off and improve it. I asked myself if it really helped me better understand the issues and, if not, how it might have better fulfilled this function. This article, then, spends some time reflecting on the virtues of sites like this, and then outlines other ways that similar tools might help citizens confront issues in a more nuanced way.

Read all of Joe's article here on UX Magazine.


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Laboratoria is an international, educational nonprofit where underprivileged young women can learn HTML, CSS, and Javascript, and then put their skills to work all over the world. Founded in 2014 in Lima, Peru, enrollment spread quickly to Chile and Mexico.

Cooper on the Digital Frontier

By using Cooper’s flagship text, About Face, to power their education, Laboratoria creates junior front-end developers who find work at organizations from IBM to Cinepapaya. Over 400 young women have completed the training. With a job placement rate of over 75%, graduates often triple their income in the process.

Laboratorio Hackathon

Laboratoria team and students after the hackathon at the Talent Fest

Finding Design Principles

Lalo Gonzalez had a long list of links, videos, and books to curate before designing Laboratoria’s UX curriculum. “Among the books I considered, there was one that stood out: About Face from Cooper,” he said.

Laboratoria draws from About Face to teach the fundamentals that lead to great digital design. The curriculum begins with the four main reasons that digital products fail, and moves on to Goal-Directed Design and the importance of balancing user needs and business interests.

“One of the most important lessons in our UX class is the one on user personas,” said Lalo. “Cooper's book is the most thorough resource available on this subject.”

Taking on the World

In 2017, Laboratoria will offer two program paths: Full Stack Javascript and UX Design. By 2020, they aim to graduate over 10,000 young women with a job placement rate of 85% and an income growth of 400% for the average alumna.

Laboratoria Map

Laboratoria’s work is catching on. Global organizations like Google, Facebook, Linkedin, Microsoft, and Telefonica have joined in the movement, and even President Barack Obama and Facebook’s Mark Zuckerberg have taken notice.

Together with Cooper, Laboratoria is bringing the power of digital design skills to the corners of the world. “About Face, along with Cooper’s advice on our UX curriculum, helped us get started. I consider About Face to be the most potent academic resource available on UX and Interaction Design.” said Lalo. “We hope to have a long relationship with Cooper.”


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For managers, YOUR.CT can be used to access live reports and swiftly identify areas for improvement, drive travel policy compliance and approve online bookings.

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As a manager, you need to maintain control of your company travel programme by having easy visibility of your travel spend. At Corporate Traveller we provide you with frequent reporting, both through live data on YOUR.CT One Simple Platform, and through regular reviews with your dedicated Expert Travel Consultant, allowing you to make strategic decisions on where to make changes and increase savings.

Corporate Traveller can also help support your duty of care policy with traveller tracking technology, 24/7 emergency assistance for your travellers, live travel alerts and a proactive response from your dedicated Expert Travel Consultant in the case of an emergency. Better yet, booking your travel with your dedicated Expert Travel Consultant or via our YOUR.CT One Simple Platform, you’ll streamline your booking process, and remove hassle for your bookers and travellers, saving them time and increasing their productivity.

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Serves 4, 15mins Preparation, 40mins Cooking

A hearty budget dish of spiced red lentils with butternut squash and tomatoes.  Add coriander, cumin, turmeric and a dollop of mango chutney to finish it off.

• 1 tbsp sunflower oil • 1 onion, finely chopped • 1 garlic clove, finely chopped • 1 tsp ground coriander • 1 tsp ground cumin • 1 tsp ground turmeric • ½ tsp cayenne pepper • 400g butternut squash, peeled and cut into 2cm (prepared weight) • 400g can chopped tomatoes • 1.2l chicken stock • 1 heaped tbsp mango chutney • 300g red lentils • small pack coriander, roughly chopped • naan bread, to serve

  1. Put the oil and the onion in a saucepan, and cook for 5 mins. Stir in the garlic and cook for a further 1 min, then stir in the spices and butternut squash. Combine everything together.
  2. Tip in the chopped tomatoes, stock and chutney, and season well. Bring to the boil, then gently simmer for about 10 mins. Add the lentils and simmer for another 20 mins until the lentils and squash are tender. Stir in the coriander and serve with warmed naan bread.

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Editor’s Comment: April 2018

PUBLISHED: 14:27 21 March 2018 | UPDATED: 14:27 21 March 2018

Oxfam aid for Somalia is loaded up (c) Alun McDonald/Oxfam

Oxfam aid for Somalia is loaded up (c) Alun McDonald/Oxfam

Alun McDonald/Oxfam

Our editor Mike Lowe explains why we shouldn’t “allow our displeasure at the antics of the big charities to deter us from supporting the local charities which do so much good work.”

I have written before about the manner in which some of our big charities have lost their way: the RSPCA turning itself into some kind of unofficial police force; the National Trust trying to force volunteers to wear ‘Glad to be Gay’ badges; but nothing on the scale of recent revelations of widespread, commonplace sexual abuse, both at home and abroad.

Of course in the current climate, with Augean stables being mucked out all over the place, it’s not just the charitable sector which has come under the spotlight. But when the God Syndrome comes into play – “We’re here to save you” – and First World largesse lands on Third World shores, you can see how food might be exchanged for favours.

The root cause of much of this excess is that our major charities have simply grown too big, too rich, too corporate and too political. Oxfam, for instance, has expanded from being a worthy organisation dedicated to bringing clean water and sustainable food to poor areas into a global entity with flashy offices and six-figure salaries. Last year the charity received donations of £408 million, then immediately spent £26 million of that windfall on fund-raising to bring even more money. It rather puts your pound coins in one of those little envelopes into perspective. In fact, many big charities have so much money that they struggle to spend it before year-end, at which point the next barrowload of dosh is due.

And take this response from one potential donor: “It says here in this letter you sent me that £4 from me could help save a life. So how about your CEO takes £40,000 less salary next year and saves 10,000 lives?” It’s a valid point that shows growing public disenchantment.

But what is vitally important is that we don’t allow our displeasure at the antics of the big boys to deter us from supporting the local charities which do so much good work. The volunteers behind the counter at your local charity shop have nothing to do with misbehaviour and mismanagement at the top and would indeed be dismayed to learn about it. That’s why idiot reporters from a local newspaper were met with bewilderment when they went into their neighbourhood Oxfam shop in Bolton in search of quotes about sexual shenanigans in Haiti.

I can’t list all the local charities here that we should go out of our way to support. I’m bound to miss one out and then be in line for a severe telling off from supporters. But as I’m trying to tidy up my home office at the moment I can tell you that there are lots of excellent books now on sale at the Cotswold Dogs & Cats Home shop in Tetbury, the Longfield shop in Nailsworth and the Sue Ryder shop in Stroud. Enough said.

Of course you may question why, in 2018, we need charities and the immense efforts of volunteers to provide the care and services that should come from central government, but that’s a different argument...

The Beast from the East certainly bit hard in parts of the Cotswolds, with villages snowed in and travel almost impossible. Perhaps the most disturbing factor about this “weather event” (as the TV forecasters annoyingly refer to “weather) was the speed with which our food supply chain was interrupted. Even when it was possible to venture out onto the roads, supermarket shelves were frighteningly bare, with no bread, milk, fresh meat or fresh vegetables.

It does make you wonder just how vulnerable we are and how quickly we miss the instant gratification of being able to buy what we want at virtually any time of the day or week.

Order was only restored in many places by the efforts of local farmers who, as well as having to battle dreadful conditions to feed and care for their livestock, also found time to clear the snowbound lanes. I’m sure Cotswold Life readers would like me to pass on our heartfelt thanks.

For more from Mike, follow him on Twitter! @cotslifeeditor

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    IntroducedJanuary 8th, 2009

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Jackson Gulch Rehabilitation Act of 2009

Official Title

A bill to authorize the Secretary of the Interior to carry out the Jackson Gulch rehabilitation project in the State of Colorado.

Jackson Gulch Rehabilitation Act of 2009 - Directs the Secretary of the Interior, acting through the Commissioner of Reclamation: (1) to pay the federal share of the cost of carrying out the Jackson Gulch rehabilitation project in Colorado, subject to a reimbursement requirement; and (2) in preparing any studies related to the project, to use existing studies to the maximum extent possible, including engineering and resource information provided by, or at the direction of, federal, state, or local agencies and the Mancos Water Conservancy District. Requires the Secretary to recover from the District, as reimbursable expenses, the lesser of 35% of the project's cost or $2.9 million over a 15-year period, without interest. Directs the Secretary to credit the District for any amounts it paid before this Act's enactment for engineering work and improvements. Makes the District responsible for the operation and maintenance of any facility constructed or rehabilitated under this Act. Shields the United States from liability for damages arising out of any act, omission, or occurrence relating to a facility rehabilitated or constructed under this Act. Provides that an activity provided federal funding under this Act shall not be considered a supplemental or additional benefit under the reclamation laws or under the Act of August 11, 1939.

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    IntroducedOctober 22nd, 2009

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Official Title

A bill to modify and extend the suspension of duty on clodinafop-propargyl.

Amends the Harmonized Tariff Schedule of the United States to increase temporarily the duty on clodinafop-propargyl.

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    IntroducedMarch 12th, 2009

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Ban Poisonous Additives Act of 2009

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A bill to ban the use of bisphenol A in food containers, and for other purposes.

Ban Poisonous Additives Act of 2009 - Treats any food container that is composed, in whole or in part, of bisphenol A or that can release bisphenol A into food as a container that is composed of a poisonous or deleterious substance for purposes of the Federal Food, Drug, and Cosmetic Act. Bans the use of such containers. Allows the Secretary of Health and Human Services to grant a waiver of such ban for one year (renewable for an additional year) under specified circumstances. Requires any product for which the Secretary grants a waiver to display a prominent warning on its label of the potential health effects associated with bisphenol A. Directs the Commissioner of Food and Drugs to periodically review substances listed in federal regulations and generally recognized as safe. Requires any such substances that are shown by new scientific evidence to cause reproductive or developmental toxicity in humans or animals to be banned or otherwise restricted. Amends the Federal Food, Drug, and Cosmetic Act to require (currently, permits) a manufacturer or supplier of a food contact substance to notify the Secretary of the identity, intended use, and safety of any such substance and of determinations as to the health effects of such substance.

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Study: Sea-Level Rise Could Erase 67% of SoCal’s Beaches

LOS ANGELES (CN) – Southern California may lose two-thirds of its beaches to rising sea levels by the end of this century, according to a report released Monday by the U.S. Geological Survey.

The agency used a newly developed computer model and factored for limited human intervention into and a continued output of CO2 emissions in concluding that 67 percent of the beaches in the southern portion of the Golden State could completely disappear by the year 2100.

Exposed bedrock at the beach, below the University of California, Santa Barbara, in February 2017. (Photo by Daniel Hoover, U.S. Geological Survey)

“Beaches are perhaps the most iconic feature of California, and the potential for losing this identity is real,” said the study’s lead author Sean Vitousek, a former postdoctoral fellow at the USGS who currently works as a civil engineer in Chicago.

The implications of such a widespread loss of beaches in California would not only have a dire impact on the region’s economy, but figures to have huge implications for ecology and wildlife as well.

“Beaches are natural resources, and it is likely that human management efforts must increase in order to preserve them,” Vitousek said.

The study’s co-author, USGS geologist Patrick Barnard, said Southern Californians will soon face a choice between performing “massive and costly interventions” to provide a bulwark against rising seas “or risk losing many of the economic and protective benefits beaches provide.”

Beach loss and armoring at Goleta Beach, California, during very low tide in February 2017. (Photo by Daniel Hoover, U.S. Geological Survey)

And foreshadowing of such interventions and the battles they elicit are already underway.

Ventura County is enmeshed in a legal battle with cities over a plan to transport 400,000 truckloads of sand from an inland canyon to Broad Beach in the city of Malibu.

The California Coastal Commission has frequently heard from beachfront property owners and the associations and community groups that represent them about the immediate need to construct revetment walls in an effort to stop or slow the onslaught of the ocean.

On the other hand, many nonprofits like the Surfrider Foundation assert the revetment walls are not only a costly waste of funds but they actually compound the coastal subsidence problems they are intended to alleviate.

Coastal Commission Executive Director Jack Ainsworth issued a statement Monday in reaction to the study, saying more needed to be done by coastal jurisdictions to plan for and manage sea-level rise.

Exposed bedrock at the Isla Vista, California, beach during very low tide in February 2017. (Photo by Alex Snyder, U.S. Geological Survey)

“The prospect of losing so many of our beaches in Southern California to sea-level rise is frankly unacceptable,” he said. “The beaches are our public parks and economic heart and soul of our coastal communities.”

The coastal commission has spent time and money on the prospect of sea-level rise, developing the Sea Level Rise Policy in 2015 – a document aimed at helping local jurisdictions to incorporate current and potential impacts of a rising ocean on their land-use policies.

The Pacific Institute, an Oakland-based think tank focusing on water resources, estimated in a landmark 2009 study that a sea-level rise of 4.6 feet would endanger $100 billion worth of property. This property includes seven wastewater-treatment plants, commercial fisheries, marine terminals, 14 power plants, homes and other important development and infrastructure, including the state’s iconic Pacific Coast Highway.

Exposed bedrock at the Isla Vista, California, beach during very low tide in February 2017. (Photo by Alex Snyder, U.S. Geological Survey)

In its literature, Coastal Commission planners estimate seas could rise by as much as 6 feet by the end of the century.

The USGS study predicts a loss of 31 percent of beaches if seas rise by 3 feet, with the 67 percent figure derived from a rise of about 6 feet.

Vitousek and Barnard used a model called Coastal Storm Modeling System-Coastal One-line Assimilated Simulation Tool (CoSMoS–COAST), which uses formulas to predict coastal erosion based on two factors: a rising sea and the increased storm pattern predicted to be a result of climate change.

Part of the reason the researchers are so confident in the results is they used the same model with historical data from 1995 and found it accurately predicted erosion and accretion trends from then until 2010.

During very low tide in February 2017, large boulders are installed at Goleta Beach to armor the shore against further erosion. (Photo by Daniel Hoover, U.S. Geological Survey)

California’s beaches are a mixture of the classic crescent-shaped sandy beaches, vegetation-covered dunes, bluffs, cliffs, estuaries, river mouths and other ecological variations, but the model was able to take this into account by focusing more on shoreline positions relative to waves and storm cycles.

Ainsworth said the publication of the study and others like it prove Californians must take climate change and sea level rise seriously and act preventatively.

“We must do everything we can to ensure that as much of the iconic California coast is preserved for future generations,” he said.

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