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Comment: Parallel Construction (Score 5, Insightful) 148

by PraiseBob (#46371671) Attached to: The Spy In Our Living Room
This is the entire point of parallel construction. They can't or won't reveal how they are monitoring you secretly. Instead they can claim that you were acting suspicious based on something else you've done which has nominally taken place in some kind of public space. Then they get a warrant based on that, and "find" the threats you are making, and charge you with that too.

Comment: Re:Not everything observed... (Score 4, Insightful) 266

by PraiseBob (#46364051) Attached to: 3D Maps Reveal a Lead-Laced Ocean
If you read the article, you might see this paragraph: "Still, the maps show there are places where lead contamination is a continuing problem. Off the southern tip of Africa, surface waters with relatively high traces of lead are flowing into the South Atlantic from the Indian Ocean. That’s probably due to the continuing use of leaded gasoline in parts of Africa and Asia"

There appears to be a direct correlation... Guess it wasn't so difficult after all?

Comment: Re:Paul Krugman, 1998 (Score 1) 187

by PraiseBob (#46272369) Attached to: Krugman: Say No To Comcast Acquisition of Time Warner
What can be known is that the company tried to stay in business and it died, but not before government prevented it from trying to change its business model.

Did you know that Netflix CEO Reed Hastings TRIED to sell Netflix to Blockbuster? Blockbuster turned him down.

Blockbuster instead wanted to buy more brick and mortar stores, and continue their existing dying business model rather than invest (very cheaply), in a new distribution model. How is Hollywood Video a new model?? Its the literal exact same model! Both companies went out of business! So you can blame the government all you want for killing Blockbuster, but that's complete nonsense. If neither one can survive as a small company, why on earth do you think they could survive as a giant company? Go ahead and say the magic words "economies of scale", as if Netflix and Redbox and On-Demand, and Hulu, and Amazon, and DVD's at Walmart for the same price as a rental and a million other efficient ways to get your movie don't exist...

Honest question: Are there ANY video rental chains still in existence?

Comment: Re:Misleading liability claim (Score 1) 731

by PraiseBob (#46222321) Attached to: Death Hovers Politely For Americans' Swipe-and-Sign Credit Cards
Lol, fair enough. Always nice to get different perspectives. But... your compliance officer is wrong. They are side by side technologies, EMV is intended to complement rather than replace.

PCI is still required. You just won't have to pass that fun annual review to prove you are PCI compliant. You still MUST be compliant to avoid major fines in the event of a breach. This only applies to certain size merchants, AFAIK, but this article doesn't go into detail:

Comment: Re:Misleading liability claim (Score 1) 731

by PraiseBob (#46222009) Attached to: Death Hovers Politely For Americans' Swipe-and-Sign Credit Cards
GP is actually correct. I have handled hundreds of chargebacks for a brick & mortar store...

Here is the exact process:
1) Consumer goes to B&M store, makes purchase, signs receipt.
2) Consumer issues chargeback.
3) Bank sends notice to merchant.
4) IF Merchant fails to respond in 30 days, judgement is automatic against Merchant and the charge is reversed
5) IF Merchant responds with signed reciept, video footage, testimony from the cashier, or other evidence that the consumer DID make that transaction, then there is a small chance that the bank will let the charge stand. Most of the time, the charges are reversed anyways. But, most of the time it is fraud, and most people are honest about chargebacks.

The burden is absolutely on the merchant to prove the identity of the customer. Checking an ID doesn't mean squat to the bank. Making a physical imprint doesn't mean anything. Physical imprints are considered Keyed rather than Swiped, so you get charged a higher fee per transaction (because of higher fraud costs). There are no sure-fire methods to protect the merchant.

My company processes millions of card transactions per year. We ignore most chargebacks, because it is a waste of time to fight the bank, and probably was a cashier that didn't check ID. 2% of the time, they will let the charge stand as is and charge the consumer. 98% of the time they take the money from the merchant and give it back to the consumer. The bank does not ever eat that cost. PCI has nothing to do with it. Despite all this, it isn't cost effective to upgrade equipment outside of our normal cycle. We could potentially save 100% of chargeback fees, but that would still take years to pay for the hardware, since we have an overall low fraud rate.

One more aside, EMV is not required to be PCI compliant, and isn't part of the future standard. PCI compliance WILL still be necessary in the future, because card information WILL still be stored locally by the merchant.

Comment: Re:Do they need it? (Score 1) 212

So now the Democrats get the credit if a Republican plan succeeds? If I vote for a Democrat, they are willing to implement the best ideas of either party. If I vote for a Republican, they won't even support Republican plans to do "important things" and accomplish goals.

Comment: Re:Misleading liability claim (Score 1) 731

by PraiseBob (#46217995) Attached to: Death Hovers Politely For Americans' Swipe-and-Sign Credit Cards
Yes, there is no further liablity that can be shifted onto the merchant. The carrot is for the merchant, the stick is for the issuing banks. I'm not sure if the mere potential for fewer chargebacks will convince merchants to purchase new card readers. It's a major investment for a minor reward.

The plan is to split liablity:
Merchants will still be liable until they purchase new machines.
Banks will then be liable until they issue C&P cards.
Once both merchants and banks have upgraded, liablity shifts to the consumer.
(Unless they can prove to the bank that the charges aren't their fault)

Comment: Re:Debate? (Score 1) 593

by PraiseBob (#46155551) Attached to: Watch Bill Nye and Ken Ham Clash Over Creationism Live
It turned into modern wheat, the varieties we call Spelt, Common, Durum, etc.
Here is a book detailing some of its history:
Here is some genetic research:

While this may not matter to a lot of people, the human driven evolution of this plant is the root of all civilization, and it would not be possible without evolution.

Wild emmer wheat, Triticum dicoccoides[Triticum turgidum (L) Thell. ssp. dicoccoides(Koern) Thell.] with genome AABB, was discovered in Northern Israel by Aaron Aaronsohn in 1906 (Aaronsohn 1910). It is the tetraploid, predominantly self-pollinated, wild progenitor from which modern tetraploid and hexaploid cultivated wheats were derived (Zohary 1970).

Comment: Re:Debate? (Score 1) 593

by PraiseBob (#46154125) Attached to: Watch Bill Nye and Ken Ham Clash Over Creationism Live
The primary problem for evolution is that it too cannot be proven though experiments in the lab nor has it been observed in place. For much of the time evolution attempts to explain, nobody was there to observe and record what actually happened, and there is no way to recreate processes that take millions of years so we can see what happens in a lab.

This is simply not true. You are absolutely incorrect. There have been hundreds if not thousands of rigorous scientific experiments proving evolution.
Humans have cultivated crops for centuries to EVOLVE the crops we have today. Teosinte and Corn are completely different, yet have a common ancestor. Do you think Emmer Wheat looked the same today as it did 20,000 years ago? We've cultivated it to specifically favor traits that provide more food.

Domestication is by definition, evolving a species to favor traits we like. "Domestication (from Latin domesticus) is the process whereby a population of living organisms is changed at the genetic level, through generations of selective breeding, to accentuate traits that ultimately benefit humans." Do you "believe" in domesticated animals? Because there is a lot of evidence that they exist.

Evolution isn't some kind of unknowable magic that takes place over millennia. It is directly observable.

Comment: Re:It's not private... (Score 2) 264

by PraiseBob (#46115405) Attached to: Federal Agency Data-Mining Hundreds of Millions of Credit Card Accounts
That's it exactly. Not only is this data not private, it has never been private. It has always been sold between companies, and is the entire basis for a multi-billion dollar industry. The CFPB is simply purchasing this information at the market price, just like hundreds of other companies do on a routine basis. As the joke goes, capitalists will sell the rope to hang themselves.

You can bet the NSA collects this exact same information. The NSA collects this information to conduct drone strikes, and find citizens to murder. The CFBP wants to use this information to regulate banks. Yet, this congressman doesn't talk about the NSA. Does it surprise anyone at all, that banking & finance sectors contribute heavily to his wallet?

This is another politican who has been bought and paid for, and is fighting against the best interests of the people he supposedly represents.

Comment: Re:Multiple credit cards (Score 2) 448

by PraiseBob (#46101713) Attached to: Developer Loses Single-Letter Twitter Handle Through Extortion
First, the bank doesn't simply "eat" the cost of that fraud. They pass that cost on to customers.

Second, a "bit of a hassle" doesn't quite do justice to describing the process of having all your money stolen electronically at some inconvenient time, and then jumping through hoops for the process of reclaiming your money. Oh, were you busy? Because now you need to devote many many hours to this task immediately.

Comment: Re:"Don't 'Let' Them?" (Score 1) 448

by PraiseBob (#46101483) Attached to: Developer Loses Single-Letter Twitter Handle Through Extortion
I've seen quite a few websites that give you the choice as to whether you store the card for future payments or not. Looking up payment history is typically a different process than looking at the card information that is stored directly in your user account records.

At the extreme, you could use your main credit card to purchase multiple one-time use visa gift cards. Then your card information doesn't match between websites, and you can expose the full card number of a now empty card with no negative consequences.

Comment: Re:*sigh* (Score 1) 417

If Pwn2Own has taught us anything, its that all systems have driveby exploits

This is simply not accurate. First, pwn2own has been focused on browsers, rather than the whole OS the past few years. The last time they focused on OS was in 2008. Linux was the ONLY operating system that was not cracked.

Second, the ONLY browser and OS combination that was not defeated in the most recent contest in 2013 was Chrome on linux-based Chrome OS. A Windows based Chrome install was defeated. The OS very clearly made a difference in security. $3.14 million dollars is a lot of incentive, a hell of a lot more than a free macbook.

Sorry to sound like a fanboy, since obviously no system is entirely secure. But pwn2own's very small sample set specifically shows that linux is more secure.

"Just Say No." - Nancy Reagan "No." - Ronald Reagan