text:
ISO 9564

ISO 9564 is an international standard for personal identification number (PIN) management and security in financial services.

The PIN is used to verify the identity of a customer (the user of a bank card) within an electronic funds transfer system, and (typically) to authorize the transfer or withdrawal of funds. Therefore, it is important to protect PINs against unauthorized disclosure or misuse. Modern banking systems require interoperability between a variety of PIN entry devices, smart cards, card readers, card issuers, acquiring banks and retailers – including transmission of PINs between those entities – so a common set of rules for handling and securing PINs is required, both to ensure technical compatibility and a mutually agreed level of security. ISO 9564 provides principles and techniques to meet these requirements.

ISO 9564 comprises three parts,[Note 1] under the general title of Financial services — Personal Identification Number (PIN) management and security.

Part 1: Basic principles and requirements for PINs in card-based systems

ISO 9564-1:2011[1] specifies the basic principles and techniques of secure PIN management. It includes both general principles and specific requirements.

Basic principles

The basic principles of PIN management include:

  • PIN management functions shall be implemented in software and hardware in such a way that the functionality cannot be modified without detection, and that the data cannot be obtained or misused.
  • Encrypting the same PIN with the same key but for a different bank account shall not predictably give the same cipher text.
  • Security of the PIN encryption shall depend on secrecy of the key, not secrecy of the algorithm.
  • The PIN must always be stored encrypted or physically secured.
  • Only the customer (i.e. the user of a card) and/or authorized card issuer staff shall be involved with PIN selection or issuing. Where card issuer staff are involved, appropriate strictly enforced procedures shall be used.
  • A stored encrypted PIN shall be protected from substitution.
  • A PIN shall be revoked if it is compromised, or suspected to be.
  • The card issuer shall be responsible for PIN verification.
  • The customer shall be advised of the importance of keeping the PIN secret.

PIN entry devices

The standard specifies some characteristics required or recommended of PIN entry devices (also known as PIN pads), i.e. the device into which the customer enters the PIN, including:

  • All PIN entry devices shall allow entry of the digits zero to nine. Numeric keys may also have letters printed on them, e.g. as per E.161. These letters are only for the customers' convenience; internally, the PIN entry device only handles digits. (E.g. the standard does not support multi-tap or similar.) The standard also recommends that customers should be warned that not all devices may have letters.
  • The PIN entry device shall be physically secured so that it is not feasible to modify its operation or extract PINs or encryption keys from it.
  • The PIN entry device should be designed or installed so as to prevent other people from observing the PIN as it is entered.
  • The keyboard layout should be standardized, with consistent and unambiguous labels for function keys, such as "enter", "clear" (this entry) and "cancel" (the transaction). The standard also recommends specific colours for function keys: green for "enter", yellow for "clear", red for "cancel".

Smart card readers

A PIN may be stored in a secure smart card, and verified offline by that card. The PIN entry device and the reader used for the card that will verify the PIN may be integrated into a single physically secure unit, but they do not need to be.

Additional requirements that apply to smart card readers include:

  • The card reader should be constructed in such a way as to prevent someone monitoring the communications to the card by inserting a monitoring device into the card slot.
  • If the PIN entry device and the card reader are not both part of an integrated secure unit, then the PIN shall be encrypted while it is transmitted from the PIN entry device to the card reader.

Other specific PIN control requirements

Other specific requirements include:

  • All hardware and software used for PIN processing shall be implemented such that:
    • Their correct functioning can be assured.
    • They cannot be modified or accessed without detection.
    • The data cannot be inappropriately accessed, modified or misused.
    • The PIN cannot be determined by a brute-force search.
  • The PIN shall not be communicated verbally. In particular bank personnel shall never ask the customer to disclose the PIN, nor recommend a PIN value.
  • PIN encryption keys should not be used for any other purpose.

PIN length

The standard specifies that PINs shall be from four to twelve digits long, noting that longer PINs are more secure but harder to use. It also suggests that the issuer should not assign PINs longer than six digits.

PIN selection

There are three accepted methods of selecting or generating a PIN:

assigned derived PIN
The card issuer generates the PIN by applying some cryptographic function to the account number or other value associated with the customer.
assigned random PIN
The card issuer generates a PIN value using a random number generator.
customer selected PIN
The customer selects the PIN value.

PIN issuance and delivery

The standard includes requirements for keeping the PIN secret while transmitting it, after generation, from the issuer to the customer. These include:

  • The PIN is never available to the card issuing staff.
  • The PIN can only be displayed or printed for the customer in an appropriately secure manner. One method is a PIN mailer, an envelope designed so that it can be printed without the PIN being visible (even at printing time) until the envelope is opened. A PIN mailer must also be constructed so that any prior opening will be obvious to the customer, who will then be aware that the PIN may have been disclosed.
  • The PIN shall never appear where it can be associated with a customer's account. For example, a PIN mailer must not include the account number, but only sufficient information for its physical delivery (e.g. name and address). The PIN and the associated card shall not be mailed together, nor at the same time.

PIN encryption

To protect the PIN during transmission from the PIN entry device to the verifier, the standard requires that the PIN be encrypted, and specifies several formats that may be used. In each case, the PIN is encoded into a PIN block, which is then encrypted by an "approved algorithm", according to part 2 of the standard).

The PIN block formats are:

Format 0

The PIN block is constructed by XOR-ing two 64-bit fields: the plain text PIN field and the account number field, both of which comprise 16 four-bit nibbles.

The plain text PIN field is:

  • one nibble with the value of 0, which identifies this as a format 0 block
  • one nibble encoding the length N of the PIN
  • N nibbles, each encoding one PIN digit
  • 14−N nibbles, each holding the "fill" value 15 (i.e. 11112)

The account number field is:

Format 1

This format should be used where no PAN is available. The PIN block is constructed by concatenating the PIN with a transaction number thus:

  • one nibble with the value of 1, which identifies this as a format 1 block
  • one nibble encoding the length N of the PIN
  • N nibbles, each encoding one PIN digit
  • 14−N nibbles encoding a unique value, which may be a transaction sequence number, time stamp or random number
Format 2

Format 2 is for local use with off-line systems only, e.g. smart cards. The PIN block is constructed by concatenating the PIN with a filler value thus:

  • one nibble with the value of 2, which identifies this as a format 2 block
  • one nibble encoding the length N of the PIN
  • N nibbles, each encoding one PIN digit
  • 14−N nibbles, each holding the "fill" value 15 (i.e. 11112)

(Except for the format value in the first nibble, this is identical to the plain text PIN field of format 0.)

Format 3

Format 3 is the same as format 0, except that the "fill" digits are random values from 10 to 15, and the first nibble (which identifies the block format) has the value 3.

Extended PIN blocks

Formats 0 to 3 are all suitable for use with the Triple Data Encryption Algorithm, as they correspond to its 64-bit block size. However the standard allows for other encryption algorithms with larger block sizes, e.g. the Advanced Encryption Standard has a block size of 128 bits. In such cases the PIN must be encoding into an extended PIN block, the format of which is defined in a 2015 amendment to ISO 9564-1.[2]

Part 2: Approved algorithms for PIN encipherment

ISO 9564-2:2014[3] specifies which encryption algorithms may be used for encrypting PINs. The approved algorithms are:

Part 3 (withdrawn)

ISO 9564-3 Part 3: Requirements for offline PIN handling in ATM and POS systems,[4] most recently published in 2003, was withdrawn in 2011 and its contents merged into part 1.

Part 4: Requirements for PIN handling in eCommerce for Payment Transactions

ISO 9564-4:2016[5] defines minimum security requirements and practices for the use of PINs and PIN entry devices in electronic commerce.

  1. ^ Parts 1, 2 and 4. Part 3 was withdrawn in 2011.

External links


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Preferences help
enabled [disable] Abstract
Number of results
2012 | 121 | 1A | A-78-A-81
Article title

The Effect of Amplitude Modulated Contralateral Signals on Distortion Product Otoacoustic Emissions

Title variants
Languages of publication
Contralateral stimulation of the auditory system causes changes in levels of otoacoustic emissions. The main objective of this study was to determine the changes in the level of distortion product otoacoustic emissions for contralaterally presented unmodulated broad-band noise, or amplitude modulated broad-band noise. Two types of modulating signal were used in the investigations (sine or rectangular wave form). The modulation depth was 100% for both the sinusoidal and the rectangular modulation. The modulation rate was 4 or 100 Hz. The generation and acquisition of the distortion product otoacoustic emissions signal lasted 2 s. The values of the distortion product otoacoustic emissions level changes were defined as the difference between the mean distortion product otoacoustic emissions levels with and without contralateral stimulation. Ten normal-hearing subjects participated in this study. The results showed that reduction in the level of the distortion product otoacoustic emissions (suppression effect) was highest for the low F_2 frequencies and decreased along with the increase in the F_2 frequency. The modulation type of the contralateral stimulation did not influence the mean suppression effect significantly. However, the distortion product otoacoustic emissions level reduction reached higher values for the unmodulated contralateral stimulation than for the modulated, and these differences were statistically significant.

Physical description
  • Institute of Acoustics, Faculty of Physics, A. Mickiewicz University, Umultowska 85, 61-614 Poznań, Poland
  • [1] D.T. Kemp, Hear Res. 22, 95 (1986)
  • [2] R. Probst, B.L. Lonsbury-Martin, G.K. Martin, J. Acoust. Soc. Am. 89, 2027 (1991)
  • [3] X.M. Sun, J. Acoust. Soc. Am. 123, 4310 (2008)
  • [4] S. Chery-Croze, A. Moulin, L. Collet, Hear Res. 68, 53 (1993)
  • [5] G. Lisowska, J. Smurzynski, K. Morawski, G. Namyslowski, R. Probst, Acta Otolaryngol. 122, 613 (2002)
  • [6] J.J. Guinan, Jr., Ear Hear 27, 589 (2006)
  • [7] C. Abdala, Hear Res. 121, 125 (1998)
  • [8] M.P. Gorga, S.T. Neely, P.A. Dorn, D. Konrad-Martin, J. Acoust. Soc. Am. 111, 271 (2002)
  • [9] F. Zhang, F.A. Boettcher, X.M. Sun, Int. J. Audiol. 46, 187 (2007)
  • [10] A.L. James, R.J. Mount, R.V. Harrison, Clin. Otolaryngol. Appl. Sci. 27, 106 (2002)
  • [11] D.W. Purcell, B.E. Butler, T.J. Saunders, P. Allen, J. Acoust. Soc. Am. 124, 2133 (2008)
  • [12] E. Ozimek, A. Wicher, in: XXVIII Int. Congress of Audiology, Innsbruck (Austria), 2006, p. 43
  • [13] A. Wicher, Ear Hear 2011, submitted for publication
  • [14] J. Muller, T. Janssen, G. Heppelmann, W. Wagner, J. Acoust. Soc. Am. 118, 3747 (2005)
  • [15] D.S. Velenovsky, T.J. Glattke, Hear Res. 164, 39 (2002)
  • [16] S.R. Atcherson, M.J. Martin, R. Lintvedt, Neurosci. Lett. 438, 107 (2008)
  • [17] J.J. Guinan, Jr., B.C. Backus, W. Lilaonitkul, V. Aharonson, J. Assoc. Res. Otolaryngol. 4, 521 (2003)
  • [18] J.J. Guinan, in: The Cochlea, Eds. P.J. Dallos, A.N. Popper, R.R. Fay, Springer-Verlag, New York 1996, p. 435
  • [19] S. Maison, C. Micheyl, L. Collet, J. Neurophysiol. 77, 1759 (1997)
  • [20] C. Micheyl, S. Maison, R.P. Carlyon, G. Andeol, L. Collet, J. Acoust. Soc. Am. 105, 293 (1999)
  • [21] S. Maison, C. Micheyl, L. Collet, Neuroscience 91, 133 (1999)
  • [22] R.V. Harrison, A. Sharma, T. Brown, S. Jiwani, A.L. James, Acta Otolaryngol. 128, 404 (2008)
Document Type
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URLs du Jour

[Amazon Link]

  • The WSJ has it's annual College Ranking List. The dead-trees version did not have the University Near Here listed, but the online version confirms that it's down, way down. So far down that they put it in a 100-way tie for 501st place ("501-600").

    That's in a set of "nearly 800" US colleges and universities.

    Could be worse. Another college near here, the University of Southern Maine, is just in the ">600th"-place. When will they just give up?

  • Princeton, on the other hand, is in a very respectable seventh place overall, tied with Caltech. Which makes this story (as related by Jerry Coyne at Why Evolution is True) … well, let him tell it: Princeton hoist with its own petard: Admits systemic racism, investigated for it by the Department of Education, and then denies it.

    I have to say that I find this pretty amusing. After Princeton’s President (like officials of many other colleges) wrote a letter flagellating himself and his University for systemic racism, the U.S. Department of Education has begun investigating Princeton for violating Title IV of the Civil Rights Act of 1964. The charge is taking federal money for years while purporting to abide by federal nondiscrimination and equal-opportunity standards. If Princeton is indeed rife with “systemic racism” that it hasn’t addressed, then surely they have violated that agreement.  An article in the Washington Examiner (below) says that this investigation is not politically motivated—that the Department of Education has a legal obligation to investigate possible violations of federal civil rights protections, even if that violation is revealed by the University itself.

    This is amusing because I don’t believe that Princeton is systemically racist, though there may be private instances of racism. And yet the University had to admit deep-seated racism to keep in tune with the Zeitgeist. By so doing, it got itself investigated. It’ll be interesting to see how Princeton plays this one, maintaining that it has a climate of systemic racism but yet doesn’t violate federal statues. They’ve responded already (see below), but they’re taking the mustelid path of Weasel Words.

    It would be refreshing if a university president simply said: "Yeah, that stuff we said about systemic racism was bullshit, but it seemed to work to shut up our students and faculty. Win."

  • At National Review, Michael Brendan Dougherty observes that The Left Bullies Social-Media Giant to Protect Itself, Not Democracy.

    Hillary Clinton is angry. “We can have democracy—or we can have social networks that allow the spread of weaponized disinformation about our elections,” she tweeted this week, while linking to a pressure campaign meant to “demand social media platforms protect democracy.” Bloomberg Businessweek, in a long and largely misleading piece on Facebook published yesterday, attempted to bully CEO Mark Zuckerberg into more aggressively disadvantaging Donald Trump and his supporters. Zuckerberg got an outsized portion of the blame for Hillary Clinton’s loss in 2016, and he’s being warned that he’s in the firing line again.

    It’s not really Facebook’s algorithms that the forces behind such efforts detest, nor is it misinformation, nor the “manipulation” undertaken by shadowy groups such as the now-infamous Cambridge Analytica. Remember, it was just a decade ago that liberals believed social networks would, almost by themselves, create progressive revolutions across the globe. It was just eight years ago that the Obama campaign’s social-media operation — far larger than anything Cambridge Analytica ever managed — was hailed as the work of digital masterminds who boldly “blew through an alarm that [Facebook] engineers hadn’t planned for or knew about.”

    No, what bothers the Left about Facebook is that it is the most powerful media company in the world and it is a place conservative people can talk, and share ideas, with relatively less manipulation and guidance from progressive editors and censors.

    Hey, remember the IRS being weaponized to go after "right wing" non-profits? This is the same idea, except the lefties want to use Facebook as a proxy. Probably more legal.

  • At Reason, Jacob Sullum has an issue with CDC Director Robert Redfield: Suggesting That Face Masks Are More Effective Than Vaccines, the CDC’s Director Exemplifies the Propaganda That Discourages People From Wearing Them. Redfield stated that the face mask he was holding up (but not wearing) "is more guaranteed to protect me against COVID than when I take a COVID vaccine."

    Let's mercifully skip over what "more guaranteed" might mean. Something is either "guaranteed" or it's not. And face masks are not. And probably a vaccine won't be either. So? I suppose the issue is: which is more likely to spare you and the people you encounter from illness?

    The honest answer is that we don't really know, since that comparison depends on how effective cloth face masks actually are and how effective vaccines prove to be. But we don't actually have to choose between those two strategies, and in practice we are pursuing both. Face masks are a tool to reduce virus transmission, especially to people who face the greatest risk from COVID-19, while we wait for vaccines that we hope will work well enough to make such precautions unnecessary.

    Government officials tend to oversimplify science, ignoring nuances and glossing over uncertainty, in the interest of sending clear public health messages aimed at encouraging behavior they believe will reduce morbidity and mortality. But that approach can backfire when officials make statements that clearly go beyond what we actually know.

    It would be nice if "government officials" were as precise and honest as possible, including about their own uncertainties. Let the mainstream media distort what you say, that's their job.

  • Hey kids, what time is it? Randal O'Toole tells us at Cato: it's Time to Shut Down the DC Metro Rail.

    Highway traffic in the Washington DC metro area returned to 80 percent of its pre‐pandemic levels in July, but DC transit carried only 16 percent as many riders as it did in July 2019. Metro’s own surveys have found that most of its riders don’t plan to return until and unless an effective COVID vaccine is found.

    Given this, there is no better time to simply shut down the Metro rail system, thus saving taxpayers billions of dollars. Conceived with racist assumptions and faulty financial projections, the system has proved to be a financial and operational disaster. The region would do better rely more on cars and, in some places, buses.

    Advice that won't be taken, but what else is new?

  • And my go-to source for the 21st-century American Progressive mindset, Wired, has some good news: Science Journals Are Purging Racist, Sexist Work. Finally.

    One paper from 2012 linked darker skin to aggression and sexuality in humans. Another from that year claimed to show that women with endometriosis are more attractive. A third, published last December, lamented physicians who posted casual pictures of themselves online—including some in which they’re wearing bikinis—as being unprofessional.

    All three of these articles have recently been retracted after outraged readers took to social media. In the past three months, at least four other articles, too, have been called out for both their content and their lack of scientific rigor, and then either flagged or withdrawn by their science publishers.

    I'm sure there are a lot of crap papers published. But it's clear that what Wired sees as a promising trend is the effort to de-publish anything that might run afoul of current dogma on issues of race, culture, and sex. The crap papers that reinforce that religion will be unaffected.


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Baku started from the Old City, as it is apparent from the name. Both the locals and vacationers love this city in the city – right here is the main historic points of interest of Baku. Serenity and eternity peace among the ancient partitions entice everyone. What you can buy in Baku and not in some other city with such low costs is caviar. This extremely costly delicacy can be discovered less expensive than in Europe and it is rather high quality as initially from the Caspian Sea.

Either sounds like you had a very jammed packed day, or you don’t have any thought what you’re speaking about. Where else are you able to go to the philharmonic or drama theatre for underneath $10 There are plenty of historic websites, and some cool day trips. The purpose your “associates” in Aberdeen think it azerbaijani women is costly and dreary is they are oil staff who go to the expat bars to choose up hookers. In 2002, the Azerbaijani authorities established the Ministry of Transport with a broad range of policy and regulatory functions. In the same yr, the nation turned a member of the Vienna Convention on Road Traffic.

Since 2001, the economic exercise in the nation is regulated by the Ministry of Economic Development of Azerbaijan Republic. Azerbaijan is a largely secular society, and religion is usually thought-about a private matter.

Pin this Article for Your Trip to Azerbaijan

Despite permitting the worth of the manat to “float”, Azerbaijan’s central bank has decisive ability to control its value with relationship to different currencies. The Azerbaijani manat is the currency of Azerbaijani, denominated as the manat, subdivided into a hundred qapik. The manat is issued by the Central Bank of Azerbaijan, the monetary authority of Azerbaijan. However, the fall of the Soviet Union, and the Nagorno-Karabakh War during the 1988–1994 interval, damaged the tourist business and the image of Azerbaijan as a vacationer vacation spot. In the twenty first century, a new oil and gas growth helped to enhance the state of affairs within the Azerbaijan’s science and know-how sectors, and the federal government launched a marketing campaign aimed at modernization and innovation.

Sectors of the economy

See our information and advice page for the LGBT neighborhood before you journey. Most cellular telephones work in Azerbaijan and protection is sweet in most areas. Check together with your native supplier that your phone can swap on ‘Global Roaming’ and that your supplier has coverage in the places you’re visiting.

راهنمایی مشاوره مدیریت ، اخذ گواهینامه ایزو و مشاوره تعالی سازمانی


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Home Military History • Read e-book online Fighting Fear: Long Beach, CA. in the 1940s PDF

Read e-book online Fighting Fear: Long Beach, CA. in the 1940s PDF

By Claudine Burnett

"The struggle in Europe had resounding results around the world, however the clouds darkened over lengthy seashore a lot previous to the warfare clouds seemed over Europe. within the days of Prohibition lengthy seashore waged battles opposed to unlawful bootlegging, playing and political corruption. while Prohibition led to 1933 it used to be was hoping that town may well go back to what it as soon as was---a first rate, legislation abiding, city. yet that used to be to not be, too many new humans had moved into the world introduced there by way of the expansion of the harbor and the invention of oil. It used to be not easy to inform who was once an excellent cop and who was once undesirable, and it was once additionally tough to inform which of the politicos working town had fingers that have been dirty.

because the federal govt checked out America’s west coast they observed an extreme desire for a more robust army presence if the U.S. ever needed to safeguard its Pacific beaches. For lengthy seashore this was once excellent news. town had its harbor and airport, either already in use by means of the army, with lots of on hand land for growth. lengthy seashore used to be approximately to go into its maximum interval of progress and improvement on the grounds that oil was once came across in 1921.

It didn’t take a visionary to determine that lengthy seashore will be a primary objective for an enemy assault. The japanese element of the town housed a number of shipyards and a military base; to the north there has been Douglas plane corporation, and the military air base on the Municipal Airport; to the east was once the Los Alamitos Naval Air Station and the Seal seashore Naval Weapon’s Depot. in the course of lengthy seashore have been numerous oil wells, fueling the ships, planes and different gear had to struggle a struggle.

throughout the Nineteen Forties hordes of individuals escaping the results of the good melancholy flooded into lengthy seashore searching for jobs within the shipyards, oil undefined, and airplane factories, which had sprung up because the battle in Europe intensified. The novices didn't heavily give some thought to the truth that lengthy seashore will be a primary objective if the USA entered the warfare. What they wanted was once a role, and lengthy seashore was once the place to discover one. After Pearl Harbor the phobia set in. lengthy seashore will be a primary objective for a eastern assault. there has been additionally a moment fear---that playing pursuits and political corruption might take over the city."

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Fighting Fear: Long Beach, CA. in the 1940s by Claudine Burnett

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I love Twitter, but I’ve been unhappy with the company since they made the decision to stop supporting third party clients that compete with their own native clients. There are still some good ones available, but Twitter has actively discouraged the development of new clients by not adding third party API support for many new features, and by limiting the supply of API keys to client developers.

In the meantime, Twitter has let the native OS X Twitter application languish. Here’s Jason Snell:

If Twitter doesn’t have the resources or inclination to properly support platforms like the Mac (or, quite frankly, iOS and Android), perhaps it should rethink the decisions made by the prior regime and find a way to let other developers apply their expertise to the problem. Alternately, maybe Twitter should figure out how to use its huge team of app developers to create first-class native apps for not just iOS and Android, but the Mac and Windows too.

It’s not a coincidence that Twitter’s updates to its OS X slowed when they decided to cut off third-party clients. The third-party client market provided two things Twitter desperately needs, competition and free research and development. When the Twitter client market was healthy, there were dozens of development teams coming up with cool new Twitter features that the company could roll into its platform. Many of the features that are core to Twitter now originated in the Twitter community.

A fully functional API that third parties can use imposes a sort of accountability on a company’s engineering team. Giving users a choice of clients or tools demands that the product team at Twitter builds applications that can succeed on their own merits. Competing with third-parties on their own platform is the sort of exercise Twitter needs to stay in shape for the bigger fight with Facebook, Instagram, and whatever else comes along in the future. Killing off that competition has enabled Twitter to be lazy and complacent.

A counterargument one might make is that supporting a full-featured API for third parties is expensive, but I’m not sure that’s the case. Twitter already has, in addition to its Web site, iOS and Android apps, and an OS X app as well. What this means is that Twitter already provides private APIs for all its features that support multiple independent client implementations. In other words, the hard work is already done. Given Twitter’s size, chances are they’ve already put a lot of thought into API usability and written decent documentation for these APIs as well.

The risks of providing robust APIs are minimal. A relatively small number of users are going to seek out and install third-party applications even if they are great. The tangible and intangible benefits are large. Twitter needs to get back into being a platform provider for its own sake.


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Review: ‘Blood Quantum’ now available on AMC’s Shudder

The dead are coming back to life outside the isolated Mi’gmaq reserve of Red Crow, except for its Indigenous inhabitants who are immune to the zombie plague. Traylor (Greyeyes), the tribal sheriff, must protect his son’s pregnant girlfriend, apocalyptic refugees, and reserve riffraff from the hordes of walking white corpses.

Mesmerizing opening cinematography, unsettling imagery, and a stunning bit of animation are all in the first few minutes of Blood Quantum. It’s a hell of a way to begin. All the bloody practical FX, the creative kills, the extraordinary make-up, combined with an awesome plot are just a few reasons why Blood Quantum is an outstanding zombie film. You’re getting 3 distinct acts with the shift in time and a shocking third act you may not see coming. In truth, it is a study of historic irony. While the native American population was decimated by European viruses, in this film they are immune. Even with that advantage, rage from the youngest generation is their ultimate downfall. Writer-director Jeff Barnaby has given us a truly poignant and thoroughly badass film.

The fact that we’re experiencing it now during a world-wide pandemic only makes it more relevant. The exploration of social, economic, and family dynamics are all the more impactful. All of that is a bonus because it’s truly a bloody disgusting zombie flick. Genre fans will live in this film. Extra special mention for the use of Fawn Wood‘s song “Mommy’s Little Guy” at the end. You can watch Blood Quantum now on Shudder.

From writer & director Jeff Barnaby (RHYMES FOR YOUNG GHOULS)

Michael Greyeyes (True Detective, Fear the Walking Dead)

Kiowa Gordon (The Twilight Saga)

Olivia Scriven (Degrassi: Next Class & The Next Generation)

Revered MMA trainer Stonehorse Lone Goeman

William Belleau (Frontier, SCALPED)

Devery Jacobs (American Gods, The Order, RHYMES FOR YOUNG GHOULS)

Gary Farmer (DEAD MAN, JIMMY P)

Review: ‘Butt Boy’, the next midnight cult classic.

Detective Fox loves work and alcohol. After going to AA, his sponsor, Chip, becomes the main suspect in his investigation of a missing kid. Fox also starts to believe that people are disappearing up Chip’s butt.

8 minutes into Butt Boy and it was successfully one of the weirdest things I’ve ever watched. 5 minutes more and I was completely horrified but couldn’t look away, much like a brutal car accident on the side of the road. This is a compliment. The plot sounds insane; an unsatisfied man starts putting things up his butt to feel again, becomes obsessed with the sensation, leading him down a dark path. Oh, then enter a grief-stricken detective on a mission and you’ve got Butt Boy. I’m tagging it “supervillain origin story meets addiction fable.” I wish I had been in the room for this screenplay’s creation. A version with commentary will be demanded in the future.

Performances are genre perfect. Over-the-top clichés perhaps at quick glance but with genuinely great acting beats throughout. Combine that with a spectacular set on the tail end (no pun intended) and cool sound and color choices, it’s this year’s most unexpected find. Butt Boy is the kind of cult film that you get exposed to either by a genre cinephile or some random dude late one night who says, “Bro! 2020 is/was fucking crazy! But have you seen Butt Boy?!” Then he makes you watch it and you have no idea what you just watched but now you’re that guy who makes other people watch it because why not share the gag-inducing images, WTF storyline, and 100 percent triumphant ending. To be honest, it was the buzz, first, and then the trailer that got me to watch. Now I feel the need to share. You’re welcome, in advance.

You can experience Butt Boy for yourself right now On-Demand. And you know I’ve left you the trailer below as a snack.

BUTT BOY is directed and co-written by Tyler Cornack (who steps outside from behind the camera to star in the flick as well) and produced by Bill Morean and Ryan Koch, who also co-wrote. Together the three founded the popular Tiny Cinema online channel, which Rice collaborates on and where the concept for the absurdist mystery feature was first conceived.

Review: ‘International Falls’ explores the fine line between comedy and tragedy.

A woman stuck in a small, snowbound border town has dreams of doing comedy when she meets a washed-up, burned-out comedian with dreams of doing anything else.

International Falls is funny from the very first scene. The jokes are witty and rapid-fire. But you can feel a sense of sadness lingering over the comedy. Rachael Harris and Rob Huebel experience feelings of remorse and betrayal, all while making jokes. This script is a nuanced look into depression, ambition, and longing. It’s about choices, both right and wrong. The cool, sometimes awkward, sometimes heartwarming chemistry is awesome to see. I don’t know how much if any, of the dialogue was improvised but Harris and Huebel were perfect casting choices. The location adds to the plot in a massive way. The snow-covered and isolated, smalltown feel, impacts not only the characters and audience. Whether directly or indirectly, the viewer feels as trapped by International Falls as our two leads. There are essentially three main sets, the hotel (predominantly the room), the quaint downtown exteriors, and the stage. The later is intercut throughout the film with Tim’s stand up routines. The combination of Amber McGinnis’ directorial debut and writer Thomas Ward’s screenplay makes for an insightful, laugh-out-loud, dramedy.  There is so much more than meets the eye with this film. Its authenticity will stick with you.

INTERNATIONAL FALLS stars Rachel Harris (Lucifer, Suits), Rob Huebel (Children’s Hospital, Transparent), and Kevin Nealon (Man with a Plan, Weeds)

The film has been an official selection at 22 film festivals across the country and has won multiple awards, including the Grand Jury Prize at 5 different festivals. The film festivals giving the film their highest honor, include the Ashland Independent Film Festival, the Naples International Film Festival, the New York No Limits Film Series, the Seattle International Film Festival, and the Tallgrass International Film Festival in Wichita.

The award-winning film opens Friday, March 20 in Austin,
Boston, Dallas/Ft. Worth, Denver, Detroit, Houston,
Los Angeles, Minneapolis, Philadelphia, Seattle

Review: ‘ A BRIDE FOR RIP VAN WINKLE’ is eternally mysterious.

Synopsis: Nanami is an apathetic, part-time junior high school teacher, whose only solace comes from connecting with others on “Planet”, a new social network service. One day, a young man named Tetsuya messages her and asks to meet in person. The two begin dating and quickly become engaged. When Testuya begs Nanami to increase her guest list for the wedding, Nanami reaches out to online-friend, Amuro, a self-proclaimed jack-of-all-trades, who hires actors to play Nanami’s guests on her big day. A few weeks following the ceremony, Tetsuya’s mother confronts Nanami with allegations of lying and cheating. Heartbroken and despondent, Nanami checks herself into a hotel and manages to get hired there as a maid. One day, Amuro offers Nanami a housekeeping job in an old mansion, whose sole resident’s infectious spirit helps Nanami to open her heart. However, Nanami soon realizes that Amuro, the mansion, and its occupant aren’t what they seem – and even dreams have limits.
There is something otherworldly about Iwai Shunji‘s latest film. While A BrideFor Rip Van Winkle runs just minutes shy of 3 hrs, the story is vastly engrossing. Our beautiful lead actress, Haru Kuroki, gives us an honest and quietly bold performance that allows us to feel each beat in real time with her. We are along for the ride just as much as she is. The classical soundtrack adds an ethereal quality to mysterious turns in the script. To speak too much about the plot would ruin it for the viewer. I can say that it will be unlike anything you’ve seen before. It certainly speaks to the power of social media. It tackles isolationism and the yearning to feel truly connected physically and emotionally. A Bride For Rip Van Winkle will surprise and delight to no end. You can check out the trailer below and catch the film in theaters this Friday.

A BRIDE FOR RIP VAN WINKLE opens in cinemas November 10th!

Japanese Language with English Subtitles
179 minutes
Not Rated

Review: ‘Indivisible’ takes the family bond to the extreme.

(Indivisibili)In a complex and incredibly nuanced new film, sisters must decide if physical and emotional separation is what they need to survive. Indivisible is a story of exploitation and personal desire.
Daisy and Viola are conjoined twin sisters living in the suburbs of Naples. They are blessed with beautiful voices and, thanks to their performances at local weddings, communions, and baptisms, have become the breadwinners for their entire family. Kept isolated from the world by their exploitative father, their lives are turned upside down when one of them falls in love for the first time… and they discover that it is possible for them to be separated.
Angela and Marianna Fontana play conjoined twins Dasy and Viola. Sought after for their singing talents and local idolatry, everyone wants a piece of them. Born into a selfish family living off the girls’ fame, they are forced to perform, threatened by guilt and permeating greed. While one sister yearns to be surgically divided, the other feels devastated by the idea. In bold performances from these real-life twins, we are rooting for their ultimate happiness. Despite being attached at the hip, each young woman gives a brilliant performance. Full of dreams and determination, these ladies own the screen is presence and ability. Battling religious fanaticism and the seduction of escapism, our leading ladies ooze with charisma. Indivisible takes a heartfelt and intimate approach to dismiss the sideshow mentality. Every theme in this script is some sort of double entendre. With beautiful cinematography on top of a clever and unexpected script, Indivisible is one of a kind.
The film is currently playing in New York City and opens theatrically in Los Angeles today. A national rollout will follow.

100 mins | Italy | in Italian with English subtitles | 2016

Written and Directed by Edoardo De Angelis

Review: ‘GIRL FLU’ is contagious fun.

Growing up is awkward. No one is ever really prepared to deal with puberty, whether it’s the child or the parent. In Dorie Barton‘s brilliant directorial debut, Girl Flu, one little girl isn’t the only one that comes face to face with what it means to become a woman.

Bird, 12, has to become a woman whether she wants to or not when – in the worst week of her life – she gets her first period, is ditched by her impulsive, free spirited mom, and learns that you can never really go back to The Valley.

Girl Flu is truly an endearing film. Funny, relatable, and just enough edge to surpass the afterschool special pigeonhole, it’s a directorial debut that Dorie Barton can be proud of. Whether the reality of the plot is who is really raising whom, we are treated to some incredibly sold performances from the entire cast. Katee Sackhoff (Battlestar Galactica) brings Jenny to life; an ill-equipped, young mother, raising a 12-year-old, who never quite grew up herself. Her crunchy and pot smoking morning rituals annoy the hell out of her daughter and her boyfriend, played by Jeremy Sisto (Waitress). Sackhoff is a beautiful balance of super flighty and genuinely sincere. Sisto, solid as ever, navigates his evolving feelings for mother and daughter alike adding to the heart and humor of a universal milestone. Heather Matarazzo (Welcome to the Dollhouse), as mom Jenny’s best friend, is damn hilarious. Not surprising for Matarazzo, as she lights up the screen in every role she plays. The real breakout star, without a doubt, is our major lead Jade Pettyjohn (School of Rock) as Bird. Humiliated and bullied, surviving on the resiliency she’s been forced to develop, she is whip-smart, vulnerable, and a total pro in this role. Irrational child logic is what makes this script so honestly entertaining. We laugh because we’ve been there. The cool soundtrack is the perfect addition. It’s been a fan favorite at over two dozen film festivals so far and it’s easy to see why. You can catch GIRL FLU on VOD (Amazon, iTunes, Google Play) today, September 29. Check out the trailer below!

Fantasia International Film Festival 2017 Reviews: ‘Dead Shack’ and ‘Bitch’

While staying at a run-down cabin in the woods during the weekend, three children must save their parents from the neighbor who intends to feed them to her un-dead family.

Dead Shack is a gore filled, one-liner extravaganza. Starting off with a bang and never letting up, this film is an ode to nosey teens everywhere who have had to fend for themselves by growing a pair/ perhaps being a tad too brazen. You’ll laugh, you’ll squirm, you’ll be really impressed by the performances. With some stunningly sweeping cinematography and cool 80’s electronic score, Dead Shack should not be missed. Good thing for the masses, it’s being released later this year! If you’re not at Fantasia 2017 for this afternoon’s screening, for now, you can check out the trailer below.

  • Directed by: Peter Ricq
  • Written by: Philippe Ivanusic, Davila LeBlanc, Peter Ricq
  • Cast: Lizzie Boys, Lauren Holly, Gabriel LaBelle, Matthew Nelson-Mahood, Donavon Stinson
  • Company: Raven Banner Entertainment Inc.

The provocative tale of a woman (Marianna Palka) who snaps under crushing life pressures and assumes the psyche of a vicious dog. Her philandering, absentee husband (Jason Ritter) is forced to become reacquainted with his four children and sister-in-law (Jaime King) as they attempt to keep the family together during this bizarre crisis.

Bitch thrusts you into the mind of a stay-at-home Mom’s breaking point. Creative editing and brilliant storytelling allow the audience to enter into Mom’s psyche and understand why the story happens in the first place. Ritter‘s loathsome performance (a complete compliment) is an awesome foil to Palka‘s brave portrayal of the film’s titular role. Virtual high fives to our leading lady for writing and directing this spectacular movie, as well. This film has way more heart than one might think. It speaks to connection and who is truly the alpha in the household. As with Dead Shack, if you missed Bitch‘s screening at the fest, you’re in luck. The film is getting a wide release later this year!

  • USA
  • 2017
  • 96 mins
  • English

  • Directed by: Marianna Palka
  • Written by: Marianna Palka
  • Cast: Jason Ritter, Jaime King, Marianna Palka
  • Company: MPI Media

Fantasia International Film Festival 2017 Review: ‘SUPER DARK TIMES’ is both a flashback and omen of horror.

Teenagers Zach and Josh have been best friends their whole lives, but when a gruesome accident leads to a cover-up, the secret drives a wedge between them and propels them down a rabbit hole of escalating paranoia and violence.

Set in the early 90’s, before Columbine was an event engrained in history, a child’s innocence was not as easily spoiled as the kids in Super Dark Times. As someone who grew up at the same time as the main characters, I can attest to the typical dangers that surrounded our childhood. We were affected by the national news when a child was kidnapped, but that was about it. On the first evening of this year’s Fantasia Film Festival, audiences will see a film so brilliantly composed from the colors and textures of the costumes and cinematography to the incredibly disturbing storyline from screenwriters Ben Collins, Luke Piotrowski. The power of an act of violence changes a person. Born from that awkward time in our lives comes the idea that fear can control the room, where the older/stronger kids ruled the proverbial schoolyards. Drugs, alcohol, and cigarettes made you popular and badass and oftentimes, intimidating. Super Dark Times taps into those ideals in that very specific time in history, and yet it has a creepy timeless factor once you understand the full plot. With elements of the surreal, you will find yourself asking who is showing us the truth at any given moment. Director Kevin Phillips takes us on a sickening journey, one that’s become all too familiar as the years have rolled by.

  • USA
  • 2017
  • 102 mins
  • English
  • Directed by: Kevin Phillips
  • Written by: Ben Collins, Luke Piotrowski
  • Cast: Sawyer Barth, Owen Campbell, Elizabeth Cappuccino, Amy Hargreaves, Charlie Tahan, Max Talisman
  • Company: The Orchard

Exclusive Clip from the upcoming film FOR HERE OR TO GO? coming to theaters this Friday! The battle over legal immigration and the H-1B visa has many familiar faces.

Reel News Daily is exclusively premiering a clip from the politically relevant film, FOR HERE OR TO GO?, a film about a young Silicon Valley software engineer Vivek Pandit, who is poised to become a key hire at a promising healthcare startup, but when the company realizes his work visa has less than a year remaining, the offer disappears. American in mind and Indian at heart, FOR HERE OR TO GO? is a contemporary story of ambition and ambivalence fueled by one’s immigration status that characterizes the dilemma of modern cultural displacement.
The clip could actually be considered a hilarious metaphor for the rest of the film, check it out below:

Starring: Ali Fazal  (Furious 7), Melanie Chandra (CBS’s “Code Black”), Omi Vaidya  (TV’s “Brown Nation”), Amitosh Nagpal (in his International Debut), Rajit Kapur (Making of the Mahatma) and Samrat Chakrabarti (Viceroy’s House)

The film will be released in theaters on March 31st.

Review: ‘BEST AND MOST BEAUTIFUL THINGS’ aren’t always what you expect.

Best and Most Beautiful Things poster

Synopsis: In rural Maine, a bold and magnetic 20-year-old woman named Michelle Smith lives with her mother Julie. Michelle is quirky and charming, legally blind and diagnosed on the autism spectrum, with big dreams and varied passions. Searching for connection, Michelle explores love and empowerment outside the limits of “normal” through a provocative sex-positive community. Michelle’s joyful story of self-discovery celebrates outcasts everywhere.

Emmy Award-winning producer ofFriends”, Kevin S. Bright met Michelle while teaching a filmmaking class at Perkins School for the Blind in Boston years ago, the school Helen Keller went to. The director, Garrett Zevgetis also volunteered his time at the school. Independently, both were completely struck by her authenticity and exuberance, and have been involved with Michelle and her story ever since. While filming, they discovered the startling lack of opportunities available for all people to fully engage in our society, and the need to fix the fear and misunderstanding people have towards those considered “other”.

best-and-most-beautiful-things_still-7When we all graduated from high school, we had big dreams. Perhaps, moving away from home and starting a career, finally being able to go out when we wanted, eat what we wanted, buy whichever shoes she wanted from shoe hero, and party until dawn. Michelle is much like any other young woman. She’s trying to find her way in the world by following her passions without judgement or outside pressure. The only difference being, Michelle is legally blind and on the autism spectrum. Much like myself, she’s a total fangirl. She likes the dry wit of Daria, attends convention, yearns for acceptance and respect in her niche groups. She acts appropriately for her age. The film follows her for several years post graduating. Through her love life, job searches, and striving for her independence. All seems pretty “normal” until you propose her challenges to those who function without them. Her Mom suggest she attend her brother’s basketball game and at first her protest seems nothing more than a bored and annoyed sister, unwilling to cheer on a sibling just because their interests don’t align. But,  once you listen to her reasoning, as a viewer, will gain further insight into the life of someone forced to live differently. It’s a perfect turning point in the film. You finally get to walk in her shoes and mind for a brief moment. Although, director Garrett Zevgetis, does and excellent job early on with a blurred focus lens to help explain how Michelle figuratively sees the world around her. It is incredibly effective. Above all, this is the story of a young woman whose almost constant stream of self-esteem and positivity shines like a beacon of hope for anyone that has ever felt left out or chastised for being slightly different. I wish I could be as outwardly upbeat every single day and now perhaps I’ll take a second breath and thank my lucky stars I have the life I do. Michelle asks us to love who we are as much as she loves who she is. She asks us to “unlearn normal”. In a year where so much has happened to us as a country, maybe it’s time to take her advice.bestandmostbeautifulthings_still2

BEST AND MOST BEAUTIFUL THINGS opens in NYC on Friday, Dec 2nd, and in LA Dec 9th. Check out the trailer below:

Facebook: BestandMostBeautifulThings

RT: 90 Minutes

Independent Film Festival Boston 2016
Special Jury Award, Best Documentary Feature
Florid a Film Festival 2016
Special Jury Award, Individuality of the Human Spirit
Superfest International Disability Film Festival 2016
Best of Festival Award, Feature
Tulsa American Film Festival, 2016
Best Documentary Feature Film
SXSW Film Festival 2016
SXSW Grand Jury Award, Documentary Feature


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Tag Archives: land

Land as investment

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Take-away points

  • Remember to broaden frame of investment/wealth beyond cash assets
    • SRI and impact investing will tend to focus on cash.  Continuing to ignore other types of assets is colonial.
  • Investment in land seen as “safe.”
    • Doesn’t depreciate, doesn’t require maintenance, tangible asset
  • Investing in land is reliant on historical and continued genocide, forced assimilation, colonization.

Commodification of nature

Capitalism rooted in colonialism erases or downplays the importance of land and “natural resources” as foundational to growth.  One of the major ways to turn land into a natural resource is called commodification — or the process of turning something into a commodity by converting it from its original form to a value that can be measured in dollars.

Take a tree for example, a complex living being that can do many amazing things: turn what we breathe out into oxygen; produce a huge variety of delicious tasting fruits, nuts, syrup, and berries; provide a home for birds, mammals, and other animals; can induce a sense of awe in us if we pay attention (see: redwoods, live oaks in the south of the U.S., bristlecone pines that are 5,000 years old); I could go on.  In his book Cradle to Cradle, architect William McDonough illustrates this point too:

“Imagine this design assignment: design something that makes oxygen, sequesters carbon, fixes nitrogen, distills water, accrues solar energy as fuel, makes complex sugars and food, creates microclimates, changes colors with the seasons, and self-replicates.

Why don’t we knock that down and write on it?”

All of this is a long-winded way of saying that trees are – for a variety of reasons – magical.

Capitalism takes these magical beings and turns them into something that can be traded on a market – paper, lumber.  Occasionally, economics can understand “environmental services” – more of the things that McDonough was getting at – the valuing of sequestering carbon, and then complicate the tree’s value, as well as make a stronger economic argument to keep it alive and healthy.

By the way, this is all reliant on a lot of separations within nature.  Trees are separate from birds that live in them, separate from the soil and water and fungal networks that nourish them.  We are separate from them.

So…commodification turns parts of nature into things that can be traded on markets, and made money from the sale of, based on an agreed upon value.  “Raw materials.”

This relies on separating us from nature, from our other ways of relating, and the interrelatedness of its parts.

Other related ideas include water investment and privatization, carbon trading and treating land itself as property.

If you’re interested in any of these things, I highly recommend watch Tom B.K. Goldtooth’s video on Youtube:

History of the land under the United States

United States history is different than the history of the land that the U.S. currently occupies.  Who was here before the “start”?  How is their deep history erased by current narratives that start history at 1776?  How does our understanding of the U.S. as one nation erase the hundreds of other sovereign nations that also currently inhabit this land?

Here’s a quick timeline to illustrate the 1.5% of history since European settlement of the land as contrasted with a conservative under-estimate of total human habitation of the land, 20,000 years ago. It also includes what our current timeline calls “0.”

“Counter to the western stories that we’ve been here 12,000 years, we’ve been here over 60,000 years, likely over 100,000 years, and there is a great deal of evidence to support that,” says Paulette Steeves, director of the Native American Studies program at the University of Massachusetts Amherst.

A more complicated understanding of history that many of us did not receive in school is necessary to understand the depth of relationship that indigenous people have had and many continue to have with this land currently called the United States for thousands of years.  In contrast, the colonized period of this land is relatively small, a few percent of total peopled time.

Land as Investment

Investing isn’t just about money.  All capitalism relies on commodification of nature and land and the genocide required to do those things as well as direct investment in land.

Wealth redistribution tends to focus on dollars and donation of money.

International land grabs are kind of a big deal too.  The Oakland Institute has some great resources on that topic.

It’s imperative that our interpretation of investment be broadened to also encompass land.  Investment in land doesn’t have to look like owning a real estate property, there are lots of ways to invest.  And certainly all of capitalism happens on land anyway.

The process of commodification – turning trees into paper, into an abstract commodity that can be bought and sold – is the process of disconnecting ourselves from place, of literally uprooting ourselves and nature and abstracting it into something else.  In its very nature, this is colonial — it is void of a sense of place, a sense of context, history, and connection.

There’s a strong connection to present-day gentrification and displacement – these are not new concepts.  This is also super connected to the gentrification that’s happening around the country (and many parts of the world) as people move around.  The idea that people are movable, easily displaced, that a value connected to a place will drive people out of being able to live there — rooted in racialized colonialism.

Land Reparations

Land is not arbitrary.  Things like “equal redistribution of land” or “land as commons”  are colonial concepts that continue to erase deep relationships of indigenous people to *specific* places.

For a really basic idea of what I mean here, think about a place you call home.  About how it smells, about the plants that live there and how they change over the course of a year.  About all the people you are connected to in that place.  That place can’t be anywhere, it’s a specific place to you with many histories.  Multiply that by 20,000 years and then it might be similar to indigeneity.

One example of a land reparations project I’m familiar with locally is an indigenous women led project called the Sogorea Te Land Trust. It asks settlers on Chocheño Ohlone land to pay a “tax” to fund the purchase of land to be stewarded and used in ceremonial practices.  There are several other indigenous led land trusts around the country.

Finally on a related note, it can’t be left unsaid that this country’s histories of slavery and (forced) immigration complicates our relationship to land in the present.  (For more on this, see my summary of an academic paper called Decolonization is not a Metaphor.)

I’m going to leave you here with a few resources, some questions to consider, and let you know some of the questions we’re currently holding as Regenerative Finance.  Want to be in conversation with us?? Far out!  Drop us a line.

Some Resources

Questions to consider

  • Do you have investments in land? What does that look like? REITS, a home you live in, homes you don’t live in, relationships to real estate developers, buildings, infrastructure, …?
  • Do you have investments that are involved in the commodification of land?
  • Whose land are your investments on or in? What’s your relationship to those people? What’s your current relationship and ideal relationship?
  • What has your family’s historical relationship to land been?
  • All of our wealth was extracted from land, what were the steps in that process, and how does that feel? What are you going to do about it?

Questions we’re dealing with as Regen

  • How does land fit into regenerative investing?
  • If a project we work with is not indigenous-led, what would it need to do to be decolonized?
  • Given that so much wealth is accumulated through direct investment in land, what are we doing about that?
  • How do we take this message as settlers to other settlers?  How do we continue to bring this topic up in the impact investing scene?

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Investor Relations

& Unique Financial Sustainability Model

Purpose-built by a team of industry veterans to conduct payor-focused "translational research" on topics of value to ERISA Plan Sponsors -- and having a goal to become a Certified B-Corporation that balances profits with doing large-scale social good -- the Research Consortium was not created to become a billion-dollar commercial entity but to become self-sustaining in a way that enables it to perform its work on a truly independent and unbiased manner.

We created what we believe to be a fairly unique financial sustainability model that will enable us to fund our research without having to charge Plan Sponsors or Plan Participants for it.  Instead, the cost is borne by research-based medical data purchasers and sponsors of clinical research studies.

Our financial model is based in part on the creation and monetization of something that presently has little recognized value.   Essentially, as a byproduct of conducting our payor-focused research we will 1) create unique, highly-enriched health datasets of value to pharmaceutical, biotech and medical device developers and 2) be able to identify and match potential clinical study participants with public, private and academic researchers.  We will help Plan Participants monetize their data (for a small portion of the funds generated) and accept payment for recruiting participants for clinical research studies and clinical-research-as-a-care-option programs...all on a fully permissioned and transparent basis.   The funds generated from these activities will support our consortium-conducted research efforts.  As such, the Research Consortium will become self-sustaining over time.

We are seeking $3 million in funding to create and scale this initiative.  We are, and will continue to seek funding from a variety of sources.  During 2019, the founders bootstrapped the initiative.   Ready to execute our business plan, in January, 2020 we began to pursue start-up/seed funding from social impact investors, angel investors, venture philanthropists, family offices, physician investment groups and others interested in earning a fair return-on-investment, but understanding that, by its nature, this is not a typical commercial venture.   Concurrently, we are beginning to launch a campaign aimed at soliciting reinsurers, stop loss carriers and managing general underwriters for investment and support dollars.   Once operational we intend to pursue various forms of funding from foundational and institutional investors, social enterprise investment funds, and government entities such as the NIH (independently and in partnership with our many collaborators and service partners).   Over time, the organization will become fully self-sustaining as a result of its participating in the monetization of health datasets and research participant recruiting services.

We are open to considering a variety of investment and support methods, options and instruments.  These may include equity investments (including SAFEs); convertible debt; foundational / institutional (capacity-building) grants, awards, gifts, bequests, contracts, corporate contributions, etc.

Inquiries from individuals /entities wishing to learn more about investing in, sponsoring, supporting or partnering with theResearch Consortiummay direct their inquiry to Richard Nicholas at (858) 395-4114 or


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Competitive History

These are the results of NonQualifying Competitions in which Elizabeth Kostina has competed

Last First Club Place Notes Event Competition
Kostina Elizabeth Suburban East Lansing 3 Basic 3 Program with Music B Lansing Basic Skills 2008
Click any Event name to see all placements for that event. Click any Club to see results for all skaters representing that club at that competition. Medal Placements (1-3) are highlighted in the Place column. Final Rounds and Combined Scores (FS + SP) are highlighted in the Event column.

The results here are provided on a voluntary basis by the USFSA accountants that serve "behind the scenes" at every competition you attend. Be sure to thank them and the LOCs for all the work they do. All accountants are invited to send results from any competition that they serve.


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Exodus Advanced Communications

Raytheon PNP Germanium Junction Transistors Ad
February 1953 Radio-Electronics Article

February 1953 Radio-Electronics

February 1953 Radio-Electronics Cover - RF Cafe[Table of Contents]

Wax nostalgic about and learn from the history of early electronics. See articles from Radio-Electronics, published 1930-1988. All copyrights hereby acknowledged.

Raytheon CK722 PNP Germanium Transistor (wikipedia) - RF CafeFebruary 1953 was just a little more than four years since Messrs. Brattain, Shockley, and Bardeen announced their invention of the transistor. This full-page advertisement by Raytheon ran in Radio-Electronics magazine announcing the world's first commercially available PNP germanium transistors. It was a big deal. Model numbers CK721 and CK722. CK721 handled about twice the collector current (12 mA) as the CK722, both with collector voltages maxing out at around 8 volts. The introductory price for the CK722 was $7.60, which in 2018 money is equivalent to $72.27* At that cost, it is hard to believe they got anyone to replace vacuum tubes with transistors. Fortunately, economy of scale rapidly brought prices down. Interestingly, CK722 inventor Norman Krim (the "K" in CK?) promoted a business relationship with Tandy Corporation / Radio Shack in selling transistors to hobbyists, and in the early 1960's became CEO of Radio Shack.

* Bureau of Labor Statistics Inflation Calculator

Raytheon PNP Germanium Junction Transistors Ad

Raytheon PNP Germanium Junction Transistors Ad, February 1953 Radio-Electronics - RF CafeNow Available!

Collector Voltage (volts) Collector Current (ma.) Base Current* (μa.)

* Grounded Emitter connection

For the first time in history, Germanium Junction Transistors are commercially available. Raytheon Junction Transistors, types CK721 and CK722 can now be obtained for your experimental and developmental use.

Here's another first for Raytheon! Leaders in the development and production of Electron Tubes and Germanium Products, Raytheon now leads the way in production of this important new electronic development.

For price and delivery information of Raytheon Germanium Junction Transistors, write, phone or wire your Raytheon Tube distributor.

Posted August 29, 2018

Qorvo / Custom MMIC Distributed Amplifier Design - RF Cafe ConductRF Phased Matched RF Cables - RF Cafe
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RF Cafe began life in 1996 as "RF Tools" in an AOL screen name web space totaling 2 MB. Its primary purpose was to provide me with ready access to commonly needed formulas and reference material while performing my work as an RF system and circuit design engineer. The World Wide Web (Internet) was largely an unknown entity at the time and bandwidth was a scarce commodity. Dial-up modems blazed along at 14.4 kbps while typing up your telephone line, and a nice lady's voice announced "You've Got Mail" when a new message arrived...

All trademarks, copyrights, patents, and other rights of ownership to images and text used on the RF Cafe website are hereby acknowledged.

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Building Permit Process

Talk To Your Local Code Official

Your code official wants your project to be a success and will help you avoid potential problems that could cost you time and money. You will be asked some basic questions such as What are you planning to do? Where are you planning to do it?, advised of any requirements, and if necessary, referred to other departments for their approval. The code official will provide you with the resources and information needed for compliance with the applicable building codes. You will then receive an application for a building permit.

Submit Application

At this stage you will document the “Who, What, When, Where, and How” of the job, along with any sketches or plans of the proposed work.

Review Process

In a brief amount of time, the code official will review your plans and determine if your project is in compliance with local requirements. If your plans meet these requirements, a permit is issued. If not, the code official may suggest solutions to help correct the problem.

Receive Permit

Now that you have been approved for a permit, you have legal permission to start construction. A fee, based on the size of the job, is collected to cover the cost of the application, the review, and the inspection process. An experienced code official is available to you should you have any questions concerning your project. You should consider your code official as an ally who will help you make your project a success. Separate permits are typically required for electrical, plumbing, and heating or air conditioning work.

Job Site Visits

On-site inspections will be required to make certain the work conforms to the permit, local codes, and plans. Again, you will have access to the expertise of the code official to help you with questions or concerns regarding the project and to minimize potentially costly mistakes. The code official will let you know approximately how many inspections may be needed for your project. Usually, a one- or two-day notice is needed when requesting visits.

Final Approval

The code official will provide documentation when construction is complete and code compliance is determined. You will then have the personal satisfaction of a job done right. Enjoy your new surroundings with the peace of mind and the knowledge that they meet the safety standards in your community.

It takes everyone in a community to keep our homes, schools, offices, stores, and other buildings safe for public use. Your safe construction practices help protect you, your family, your friends, and your investment. Be sure to get your local code official involved with your project, because the building department is an important ally, from start to finish.


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Our Partners

Ronald McDonald House Charities (RMHC) helps families with sick kids by giving them the gift of time, when time is at its most precious.
A family far from home with a hospitalized child has many things to worry about. We believe that where they’ll stay and how they’ll afford it should not be among them.

The following local organizations are proud partners of RMHC of Southern Arizona, pledging not only financial support but also their time, talent, and expertise.

  • Southern Arizona McDonald's Local Owner-Operators
  • Ace Hardware Findysz
  • Arizona Daily Star
  • Alpha Delta Pi
  • AZ Complete Health
  • Dias mgmt inc
  • Thomas and Jeanne Elmezzi Foundation
  • Connie Hillman Family Foundation

  • Nextrio
  • HSL Properties
  • Rooter 2000
  • zRealty Executives Tucson Elite Logo
  • TMC Foundation
  • Trader Joes

The following individuals and organizations are helping shape the future of RMHC of Southern Arizona through our annual Adopt-a-Room program.

  • Cenpatico Integrated Care & LifeShare

  • Paul & Nelie Dias

  • Allen & Sheryl Freed

  • Geico

  • Del & Jodi Norton

  • Roche Tissue Diagnostics

  • Marsha Thrall & Jack Bona

  • Schmidt & Barton Family Fund

The following national organizations support RMHC of Southern Arizona as well as chapters across the country.


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Robert L. Peters

28 January 2010

Urban ponderings…

Heartfelt expressions regarding peace and hope and change are powerful—no matter what corner of the earth or in which back alley you may find them.

Thanks to Belgian statistician, philosopher, writer, and human rights blogger extraordinaire Filip Spagnoli for these images/links.

back to News+

© 2002-2020 Robert L. Peters
All rights reserved.


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on 02 June 2015

ESA Open Invitation To Tender AO8266
Open Date: 22/05/2015
Closing Date: 10/07/2015

Status: ISSUED
Reference Nr.: 15.155.07
Prog. Ref.: EOEP-4 Sup.Scien.Ele
Budget Ref.: E/0094-E4 - EOEP-4 Sup.Scien.Ele
Tender Type: C
Price Range: 200-500 KEURO
Establishment: ESTEC
Directorate: Directorate of EO Programmes
Department: Science, Appl & Future Technologies Dept
Division: Mission Science Division
Contract Officer: Papaioannou, Maria
Last Update Date: 22/05/2015
Update Reason: Tender issue

The overarching objective of this activity is to explore the potential of GOCE to improve lithospheric modelling over Antarctica, to reduce uncertainties in bedrock topography and to study the implication on GIA modelling based on the derived information. This ismotivated by recent scientific developments, applications and new products that have emerged from ESAâ€™s GOCE mission. In particular,a new data set, provided through the GOCE+ Theme 2 activity (Bouman et al 2014), should enable geophysical application and modelling over Antarctica with the goal to better understand and model the Earthâ€™s interior and its dynamic processes, contributing to new insights into the geodynamics associated with the lithosphere, mantle composition and rheology. This activity shall investigate the potential to determine bedrock topography of the grounded part of the ice sheet with high spatial resolution and accuracy. Furthermore, the activity shall determine - with additional geophysical data and information - the thermal structure or composition of the upper mantle, and hereby to link crust and upper mantle. This will in turn allow to study Earthâ€™s rebound (glacial isostatic adjustment, GIA) over Antarctica from the several kilometre thick ice sheets that covered Antarctica.

If you wish to access the documents related to the Invitation to Tender, you have to log in to the ESA Portal.


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Tag "Renault-Nissan"

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Industry OEMs Passenger cars

Alliance Rostec Auto has acquired more than 96% of Avtovaz

  Vedomosti. – Alliance Rostec Auto BV, the joint venture of Rostec and Renault-Nissan, has announced that the share of the company in the capital of Avtovaz has risen to 96.6%

AVTOVAZ is going for delisting

  RusAutoNewsCom. – Avtovaz will conduct delisting of company shares, as told by the head of Rostec Sergei Chemezov to journalists in Moscow on Monday, as reported by Interfax. “Delisting will

Industry OEMs

NISSAN is not a shareholder of AVTOVAZ anymore

Kommersant – French car manufacturer Renault has bought 9.15% of AVTOVAZ shares from Japanese auto maker Nissan in the joint venture of Alliance Rostec Auto B.V. (controls 64.6% of PJSC AVTOVAZ

Rostec plans to get the direct ownership of AVTOVAZ with Renault-Nissan

Prime – Rostec plans to liquidate Alliance Rostec Auto B.V and get the direct ownership of AVTOVAZ with Renault-Nissan in the proportion of 25/75 within the next 12-18 months, as told

Industry OEMs

Avtovaz has localised the Renault-Nissan HR16 engines

RusAutoNews.Com – Avtovaz has received the approval for the full-cycle production of HR16 engines from Renault-Nissan Alliance. The corresponding document has been signed by the authorised bodies of the Alliance, following a

Market OEMs

Renault-Nissan expects further shrinkage in Russian automobile market

Prime – The general director of Renault-Nissan Carlos Ghosn expects that the shrinkage will continue in Russian automobile market in 2016. However, the company have no plans to exit the

AVTOVAZ will increase Renault-Nissan production by 20% in 2015

Vedomosti – AVTOVAZ chairman Bo Andersson has announced plans to manufacture 585,000 automobiles in 2015 (+1.7%). The company will manufacture 160,000 Renault, Nissan and Datsun vehicles (+19.5%). A year-on-year reduction

Renault-Nissan aims to speed up localisation in Russia

TASS – Renault-Nissan CEO Carlos Ghosn has stated that due to the devaluation of the rouble, the company intends to speed up localisation in Russia and halt the projects of

Renault-Nissan and AVTOVAZ unite purchase

Vedomosti – AVTOVAZ has approved the sale of 50% shares of the company under the name of Joint Purchasing Organisation (SZO) to Renault-Nissan. 49% of the shares will be held

Industry OEMs Passenger cars

Russian Antitrust Agency has approved the control of Renault at Avtovaz

Business-gazeta – The Russian Antitrust Agency – FAS has approved the agreement between Renault-Nissan and Rostec, concerning the transfer of the control shares of Avtovaz. Accordingly, Renault-Nissan will be liable


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Business Objectives vs Business Continuity Objectives – The Missing Step

This blog article talks about a step in the Business Continuity Planning (BCP) Methodology that I think is missing – and, I happen to think it is a pretty important step.

One of the greatest challenges in the BCP methodology is in establishing the program’s recovery objectives.  Whether you label them as Maximum Acceptable Downtime (MAD); Recovery Time and Recovery Point Objectives (RTO & RPO); or some other creative anagram unique to your process, these program benchmarks are usually arrived at through a Business Impact Analysis (BIA) process or, at least, through some survey/interview with business managers and subject matter experts to establish what the critical business processes are; what timeframes they must be recovered; and what resources must be available in certain timeframes to enable our continuity or recovery of those processes.  Does this sound familiar?  I’m I right, so far?

But – you knew there was going to be a but – to achieve what end?  I mean, we do a great job defining business continuity objectives, but do we do so against established business objectives?

I always thought that the savvy business manager, when asked to complete a BIA questionnaire would ask the question, “What is Senior Management expecting me to achieve during the business interruption period?”  Sometimes, I think, we get close.  Many times I hear business continuity planning professionals say that the objective is to “survive” the disaster or “keep the company solvent”.  But do we ever define what that means – in business objective terms?

So, forget about operating in disaster situations for a second.  Just think about business as usual objectives.  Most every company and most every department within each company has established business or performance objectives.  There are defined revenue targets, income objectives, margin targets, production objectives, etc.  There are expected number of widgets to produce per week; sales targets; number of calls handled per hour; items sold; and so on and so on.

What I would want to know, if I were the business manager being asked what my critical processes are and how long can we go without performing those processes, is:  What adjustments are being made to my performance objectives during this incident you are asking me to plan for?  Am I expected to still achieve my revenue target, sales target, income target, margin targets?  Am I still being measured against growth?  How many widgets per day am I expected to still crank out?  If you can tell me what my management is expecting me to produce during this contingency period, I can then tell you what I need to do, when I need to do it and what I need to get it done.

Seems to me, we miss that step.  We make middle management guess at what our business targets are.  And, furthermore, we never ensure that their guesses are consistent with one another.  Each individual manager who completes the BIA makes their own assumptions about what the overall business objectives are during a business interruption event.  Seems a bit risky to me.

I understand why and how this happens.  It is primarily because middle management is more accessible in our planning process.  It is much easier to include middle management in the planning process, feed them the BIA questions and get them to assign MADs, RTOs and RPOs than it is to include Senior Management in the process.  But – there’s that damn word again – how can we really define viable business continuity objectives if we don’t first know our business objectives during time of an event?

I wonder what would happen if we tried?  I wonder … what if you posed that question to upper management?  What if we added that step in our BCP Methodology:  Define adjusted business objectives that must be achieved during a serious business interruption event.  IN BUSINESS TERMS – not in BCP terms.  Interesting.

Anyway, just a thought.  What do you think?

Thank you for your input.