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Thursday, October 3, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.

Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.

The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.

According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.

The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.

California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.

Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.

The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.

Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.

Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.

Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.

Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.

Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.

The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.

Thursday, August 21, 2008

August 21, 2008 is the 12th major day of the 2008 Olympic games. The below article lists some of the highlights.

Olga Kaniskina, who represents Russia, has set a new Olympic record in the women’s 20km walk with her time of 1 hour and 36 minutes. After the race Kaniskina said that the weather did not affect the record.

“I think my regular training is the most important factor contributing to my victory,” she said, explaining the factors that she believes led her to victory.

Britons Iain Percy and Andy Simptson won the gold medal in the star class sailing event after a successful performance in the final round, which took place today. The pair started today in silver medal position, and gained one place in the final round to win the gold medal.

Spanish Fernando Echavarri and Anton Paz won an Olympic gold medal in Sailing’s fast Tornado catamaran class. Darren Bundock and Glenn Ashby from Australia finished in second place and the Argentinean pair of Santiago Lange and Carlos Espinola won the bronze medal.

Maarten van der Weijden, a long distance swimmer from the Netherlands, beat the favorites in the men’s marathon 10 km swimming event to secure the gold medal with a time of 1:51:51.6. David Davies, who was one of the favourites to win the gold medal, was overtaken by Weijden in the final 500 metres of the race.

Davies finished 1.5 seconds behind Weijden.

Misty May-Treanor and Kerri Walsh won the Olympic gold medal for the United States in the women’s beach volleyball competition by winning every set in the final against the Chinese Tian Jia and Wang Jie.

Both sets were won 21-18.

American LaShawn Merritt won the final of the Men’s 400 meters in an event which saw all three of the medals going to the American team.

Jamaican Veronica Campbell-Brown won the gold medal in the final of the women’s 200m sprint with a time of 21.74 seconds.

Allyson Felix, the defending Olympic champion, who was representing United States, won the silver medal, with her time being approximately 0.2 seconds behind the time of the winner.

Nelson Evora won the men’s triple jump at the 2008 Beijing Summer Olympics. Evora won the gold medal with a jump of 17.67 meters beating silver medalist Phillips Idowu of Great Britain by 5 centimeters (17.62 meters). Leevan Sanders of the Bahamas won the bronze medal with a triple jump of 17.59 meters. link Nelson Evora of Portugal Wins Men’s Triple Jump Gold Medal

Thursday, November 19, 2009

In a third case of staggering sums billed for “unlimited” Internet access reported this week, a French emergency-room doctor from Fontainebleau beats all records with a €159,212 (US$237,417) bill. The telephone-number-sized bill covers one month’s use of an unlimited 3G dongle on Orange‘s network; the beleaguered Dr Jean Spadaro has been battling this for six months.

“To begin with I thought it was a joke”, said Spadaro, confirming a story from l’Observateur du Valenciennois; The same newspaper that revealed last week a similar case — Eric Gernez, a café owner in Petite-Forêt near to Valenciennes — who received a bill for €45,000. Christophe Aupy-Fargues, head of an insurance brokerage firm in Saint-Herblain, west of Nantes, and another unlimited 3G dongle user, confirmed to Ouest-France on Monday the blocking of payment on a bill for €39,500 demanded by Orange.

“I subscribed in November 2008 to a basic internet access by 3G dongle at €30 per month […] seeing my bills reach sums going up to €860 in April, I decided in May to subscribe to unlimited access by 3G dongle with Orange business at €50 per month. When I saw my bill for May, I couldn’t believe my eyes: €159,212, for one month’s connection, it’s impossible, especially as we don’t use it all of the time” added Spadaro, the father of two children, aged sixteen and nineteen.

On opening the envelope in June, he expected to read an amount neighbouring the cost of his subscription; but, to his horror, it was €159,212; a demand large enough to make an emergency-room doctor’s head spin.

Spadaro claims France Télécom (Orange’s parent company) never explained to him that the “unlimited” package only related to the time spent surfing on the Internet — not the volume of traffic — limited to one Gigabyte per month. The package’s quota corresponds to moderate usage (reception of simple emails for example). As normal Internet users, the members of the Spadaro family surfed Facebook, YouTube, sent emails with attachments, received same, &c. That volume of traffic proved to be costly. €0.17 per Megabyte, or €170 per Gigabyte. Until the bills arrived, the Spadaro family were using the Internet, ignorant of the cost being incurred.

The doctor’s bills, not listed in detail, are €53 for February, €346 for March, €860 for April before soaring to more than €159,000 in May. Spadaro also claims, with evidence of his letters in hand, he had increased the number of protest actions and received, in response, “warnings with threats of seizure”.

Battle-weary after six months of contacting his operator, Spadaro has lost all patience. “Since June, I’ve spent hours writing emails, letters or calling Orange to ask for an explanation. I’ve been passed from call centre to call centre, from customer services to debt collection. No one at Orange was able to give me the slightest clarification. A real wall”, he said. He has never contacted a consumer association, “due to lack of time and also because I trusted the people with whom I was speaking”.

At the end of last week he stumbled upon the article on the Observateur du Valenciennois internet site concerning the case of Eric Gernez. He then also threatened Orange with the press. “The result did not tardy”, he continues. “A customer services representative and a debt collector immediately contacted me by email November 16. And immediately afterwards I received a credit for €136,529”. A first credit having already been sent to him in June, Orange now considers the dossier as “definitively resolved”.

This resolution does not satisfy Jean Spadaro at all, who simply wishes that the bill be cancelled. “I have been a client with Orange for 17 years. I don’t want to attack their image, but here, enough is enough. It’s a question of principles”, he says, highlighting that “on forums, dozens of subscribers tell similar stories”. Furthermore, the two credits do not reimburse him for all of the additional fees he has incurred. “The following months, Orange tried to debit the sum from my account, causing rejection fees from my bank and unpaid fees from the operator. Around €35 each time”.

Exasperated by the whole affair, Spadaro awaits the end of his current contract with Orange in February next year. “I will cancel all of my subscriptions to Orange: 3G+ dongle, but also mobile telephone and internet”, he promises. He has been a client with the operator since 1997.

Orange has promised to work with each case of overbilling. Interviewed on France 2 on Wednesday, Jean-Paul Cottet, director of the business market for France, said that the number of problems were marginal. According to him, 4,000 professionals have opted for a package with a 3G key. It is “a 24/24 but not unlimited offer. Out of these 4,000 cases, there are 1% which are a problem” he explained, listing about thirty such “absurd bills”. “We will correct that”, he promised. “We will work with each client”.

Jean-Paul Cottet pointed out that the general public offers better protection to the client. Once the authorised download limit is reached, the service quality diminishes but there is no overbilling.

Asked about the information given to clients about the conditions of billing elements not included in the package, Elizabeth Alvez, communications representative for the regional department for the North of France, said that “all the tarification information is available at points-of-sale and on orange.fr. This information is given as part of the dialogue between the client and the vendor. We are obliged to communicate the prices.” Nevertheless, one must first of all take the time to read the entire contract with the salesperson before signing.

Sunday, February 13, 2005

New York –”Buy cheap Viagra through us – no prescription required!” Anyone with an active email account will recognize lines like this one. According to some reports, unsolicited advertisements (spam) for Viagra and similar drugs account for one in four spam messages.

Ever since pharmaceutical giant Pfizer promised to cure erectile dysfunction once and for all with its blue pills containing the drug sildenafil citrate, spammers have tried to tap into male anxiety by offering prescription-free sales of unapproved “generic” Viagra and clones such as Cialis soft tabs. Legislation like the U.S. CAN-SPAM act has done little to stem the tide of email advertising the products.

Now Pfizer has entered a pledge with Microsoft Corporation, the world’s largest software company, to address the problem. The joint effort will focus on lawsuits against spammers as well as the companies they advertise. “Pfizer is joining with Microsoft on these actions as part of our shared pledge to reduce the sale of these products and to fight the senders of unsolicited e-mail that overwhelms people’s inboxes,” said Jeff Kindler, executive vice president at Pfizer.

Microsoft has filed civil actions against spammers advertising the websites CanadianPharmacy and E-Pharmacy Direct. Pfizer has filed lawsuits against the two companies, and has taken actions against websites which use the word “Viagra” in their domain names. Sales of controlled drugs from Canadian pharmacies to the United States are illegal, but most drugs sold in Canada have nevertheless undergone testing by the U.S. Food and Drug Administration. This is not the case for many of the Viagra clones sold by Internet companies and manufactured in countries like China and India. While it was not clear that CanadianPharmacy was actually shipping drugs from Canada, Pfizer’s general counsel, Beth Levine, claimed that the company filled orders using a call center in Montreal, reported the Toronto Star.

For Microsoft’s part, they allege that the joint effort with Pfizer is part of their “multi-pronged attack on the barrage of spam.” As the creator of the popular email program Outlook, Microsoft has been criticized in the past for the product’s spam filtering process. Recently, Microsoft added anti-spam measures to its popular Exchange server. Exchange 2003 now includes support for accessing so-called real-time block lists, or RTBLs. An RTBL is a list of the IP addresses maintained by a third party; the addresses on the list are those of mailservers thought to have sent spam recently. Exchange 2003 can query the list for each message it receives.

Wednesday, December 21, 2005NRMA, one of Australia’s largest insurers, has come under scrutiny following the release of a scathing report into its online smash repairs system.

The report by the New South Wales Government’s Staysafe committee found that NRMA’s online repair tendering system was “unsafe”. NRMA has said it has no intention of suspending the system despite the findings.

The report, which was released yesterday found that “[The] system of allocating damaged motor vehicles to smash repairers without the repairers physically inspecting the damaged vehicle before quoting for work … is an unsafe system in its current form”. According to committee member and Port Stephens MP John Bartlett the vehicles were “being repaired to the standard of a brick and the crumple zones at the front and rear no longer worked and all the impact was being felt in the cabin”.

According to the report “the system would lead to cost cutting and unsafe repair practices, with the quality of repairs lowered by encouraging smash repairers to take short cuts”.

According to NRMA, only minor “cosmetic” repairs are put through the system – however often there can be further damage which is only evident after a complete inspection. The NRMA system simply places photographs of the vehicles on its website where approved smash repairers bid to carry out repairs.

David Brown, head of claims and assessments at NRMA, said this of the report: “[W]e totally reject the findings of the report, in fact we find the report’s fundamentally flawed with no evidence of safety issues, and [it] has been prepared without seeing the system first-hand”. He further added that the system would not be scrapped.

Friday, July 17, 2009Following similar threats by workers at New Fabris and Nortel, workers at JLG in Tonneins, France, threatened to blow up several platform cranes. The JLG factory announced in April 2009 that it will fire 53 of its 163 workers by the end of 2009, while the remaining 110 jobs will not be secure over the next 2 years.

JLG Tonneins was acquired in 2006 with its parent JLG Industries, a maker of aerial work platforms, by the U.S.-based Oshkosh Corporation. Despite being hugely profitable in the past, production has been much reduced since 2008 with the contraction of the construction industry and lower demand for its products. Despite excellent past results the new American management demanded sweeping cuts at the company.

In the view of locals, “the company’s actions are a disgrace given the expensive perks, such as official cars, for its corporate fat cats, compared to the sacrifice, silence, and dignity demanded by the company of those it has made redundant.”

The management offered severance pay of € 3,000 (US $4,200), however the workers demanded a severance package commensurate with “the wealth that their labor has generated.” Worker’s delegates requested a “supra-legal” payment of € 30,000, on Thursday 16 of July the management responded with a counter offer of € 16,000. On Thursday night the worker’s actions secured the € 30,000 settlement initially demanded.

Tuesday, March 23, 2010

File:ACORN logo.png

The US community organizing group Association of Community Organizations for Reform Now (ACORN) will end its operations due to dwindling funds. The group said in a statement that it would close most of its field offices by April 1.

The heads of the organization said in a joint statement that “ACORN’s members have a great deal to be proud of—from promoting homeownership to helping rebuild New Orleans, from raising wages to winning safer streets, from training community leaders to promoting voter participation—ACORN members have worked hard to create stronger communities, a more inclusive democracy, and a more just nation.”

The group, founded in 1970, played a prominent role in the 2008 US presidential elections, as it conducted many voter registration drives and fundraising for then-Senator Barack Obama, among other Democratic candidates. The organization first became scrutinized during the 2006 mid-term elections, when some of its employees were accused of voter fraud. Matters got worse in 2009 after an undercover video revealed two of its employees giving advice on how to set up a prostitution ring and commit tax fraud.

Monday, June 7, 2010

An acrobatic group known by the name of Spelbound has been declared as the winner of Britain’s Got Talent 2010, a televised variety talent show competition broadcast on ITV in the United Kingdom. As the winning act of the show, Spelbound have won £100,000 (US$144,580, €120,313, A$175,079) and a place at The Royal Variety Performance, an annual gala evening that is attended by senior members of the British Royal Family.

In no particular order, the top three acts were revealed to be two dancers known by their stage name of Twist and Pulse, gymnastic group Spelbound and Kieran Gaffney, whose act involves playing on the drum kit. After Kieran Gaffney was revealed to be in third place, Anthony McPartlin, who hosts Britain’s Got Talent with Declan Donnelly, said to Kieran: “Well done Kieran. Kieran, you’re a star, you came back, you got all the way to the final. I know you’ve loved this. You’ve loved this, haven’t you?” In response to this, Kieran Gaffney stated: “Thank you very much. Thank you, everyone for supporting me. Thank you.”

Shortly afterwards, on the episode that was broadcast live on ITV1 on Saturday, Anthony announced: “After tens of thousands of auditons, five semi-finals and an amazing final, this…this is it. One of you is about to walk away with £100,000 and a place at this year’s Royal Variety Performance. The winner of Britain’s Got Talent 2010 is…Spelbound!” Glen Murphy from Twist and Pulse commented about finishing in second place, stating: “Yeah, it’s amazing. I can’t even believe it. I can’t believe it at all.”

Alex Uttley, a 24-year-old member of Spelbound, commented on the gymnastic group’s victory, commenting: “Oh, my god. This is unbelieveable. We just want to say thank you to everyone out there. It just shows that all our hard work has paid off.” One of the coaches of Spelbound, named Neil Griffiths, stated about Spelbound: “Oh, they’ve worked so hard over the last few weeks. Um, since the semi-final, we…we really had to pull out the stops to try and up the game. They’ve not known they’ve worked in the gym from six in the morning till twelve…twelve o’clock of the night. I couldn’t have asked for more. Um, it’s a team of coaches. I don’t take all the credit myself. There’s, uh, two people up there that know who they are who’ve been fantastic.”

Spelbound consists of 24-year-old Alex Uttley, Nicholas Illingworth, aged 24, Adam Buckingham, aged 21, 20-year-old Adam McAssey, 19-year-old Douglas Fordyce, 18-year-old Edward Upcott, 18-year-old Leighanne Cowler, 17-year-old Katie Axten, 17-year-old Lauren Kemp, 15-year-old Jonathan Stranks, Abigail Ralph, aged 15, 13-year-old Hollianne Wood and Amy Mackenzie, aged 12. Bookmakers had previously predicted that Spelbound would be the most likely act to become the winner of the series.

The running order for the final started with Twist and Pulse. The second act to perform was Liam McNally, a 14-year-old singer. The running order subsequently continued with 40-year-old impressionist Paul Burling, singer Christopher Stone, aged 28, Tina & Chandi, a woman and dog dancing act, Connected, a five-piece singing group, Kieran Gaffney, aged 12, 22-year-old Tobias Mead, a dancer, 80-year-old singer Janey Cutler and Spelbound in that particular order.

Earlier on in the final, Britain’s Got Talent judge Amanda Holden has stated to Spelbound: “We are hosting the 2012 Olympics and I think ‘what a brilliant opening act’.” Fellow judge Piers Morgan also commented that “[t]he purpose of this show is to identify hidden great British talent. You are that act.” After Spelbound won in the final, another judge, named Simon Cowell, stated that “the right boys and girls won on the night” and that he could “only say on live TV that that was one of the most astonishing things I have ever seen. Seriously.”

Sunday, August 29, 2010

A University of Tokyo group of researchers, led by bioengineer Shoji Takeuchi, has made an electronic sensor capable of smelling gases. The sensor uses genetically engineered frog cells. Since previous sensors were not very accurate, the scientist decided to try a biological approach. The invention was revealed in a US scientific journal yesterday, and is supposed to be used to design better machines to detect polluting gases in the atmosphere.

Previous smell sensors were based on quartz rods, which vibrate when a substance binds to them. The gases are distinguished by their molar masses, which can be similar for molecules with different structure, thus relatively often triggering a false positive. Trying to find a more accurate solution, Takeuchi decided to follow an example from insect world. As he explained, “when you think about the mosquito, it is able to find people because of carbon dioxide from the human. So the mosquito has CO₂ receptors. When we can (extract) DNA (from the mosquito) we can put this DNA into the frog eggs to detect CO₂.”

Genes of several insects (the silk moth, diamondback moth and fruit fly), injected into African clawed frog Xenopus laevis eggs, allowed them to produce relatively inexpensive and useful sensors. The choice of the species was caused by their widely studied and well-understood protein expression mechanism.

The modified cells responded to three kinds of pheromones and one odourant, which have similar chemical properties. When a molecule of an odorous substance adhered to the receptor on the membrane protein, ion channels opened for a certain period of time, and a current was generated. Its magnitude was clearly different for all four tested substances, allowing to distinguish between them accurately.

The colleagues embedded the sensor into a mannequin, so that it could shake its head when a gas was detected. It was easier to observe. Pheromones and molecules with quite similar molecule structure produced clearly distinguishable reaction, with higher accuracy than other biological or human-made sensors. As the research group said, the detection sensitivity of the odor sensor is several tens of parts per billion (ppb), and it is as high as the sensitivity of an existing odor sensor that uses an oxide semiconductor. The distinctive feature of the new sensor is its capability to selectively detect some odorous substances, rather than its sensitivity. Very few false positives were possible due to the biological mechanism involved.

At normal temperature, the sensor lifetime is about 12 hours, which can be extended by putting it into a refrigerator before first use.

Shoji Takeuchi says has a great hope for research use in future, since the frog eggs are very practical for genetic engineering, and can be conveniently used to develop smell sensors for a wide range of gases. He said, “The X. laevis oocyte has high versatility for the development of chemical sensors for various odorants. We believe that a shared ability to smell might open a new relationship between man and robot. .. The research will have wide implications… If the sensor is embedded in a nursing robot, it will be able to identify certain mouth odors or body odors. Also, it can be used for detecting CO₂, air pollution, water pollution and food. It’s very important for the environment.”

Tuesday, May 2, 2006

Beginning Monday morning, many BlueFrog and Blue Security users began receiving an email warning them that if they did not remove their email addresses from the Blue Security registry, they would begin to receive huge amounts of unsolicited email. As quickly as four hours after the initial warning message, some users began to receive an unprecedented amount of spam. Most of the messages were simply useless text. Users reported that Blue Security’s website was unavailable or extremely slow in responding.

Blue Security is an online community dedicated to fighting spam. As they became more popular, their member list increased substantially. The members’ email address is encrypted and added to a list of e-mail addresses that wish to stop receiving spam. Blue Security maintains the encrypted list, which uses an encrypted hash function. Spammers are encouraged to remove all addressed from their email list that are also in Blue Security’s Do Not Intrude Registry by using free compliance tools available at Blue Security’s web site.

According to Blue Security’s web site, “A major spammer had started spamming our members with discouraging messages in an attempt to demoralize our community. This spammer is using mailing lists he already owns that may contain addresses of some community members.” Reportedly, Blue Security has received complaints from users about spam allegedly sent from Blue Security promoting their anti-spam solution and web site.

Blue Security states they are “an anti-spam company determined to fight spam and as such never has and never will send unsolicited email.” There are also reports of non-users of BlueSecurity/BlueFrog receiving the warning emails, which now seems is also being sent to email addresses of people who have never added their email address to Blue Security’s Do Not Intrude Registry.