Sunday, April 13, 2014

World must end 'dirty' fuel use - UN

World must end 'dirty' fuel use - UN

http://www.bbc.com/news/science-environment-27008352

13 April 2014


World must end 'dirty' fuel use - UN


By Matt McGrathEnvironment correspondent, BBC News, Berlin
Scientists believe there needs to be a step change in the energy sector

A long-awaited UN report on how to curb climate change says the world must rapidly move away from carbon-intensive fuels.

There must be a "massive shift" to renewable energy, says the 33-page study released in Berlin.
It has been finalised after a week of negotiations between scientists and government officials.
Natural gas is seen as a key bridge to move energy production away from oil and coal.
But there have been battles between participants over who will pay for this energy transition.

The report is the work of the UN's Intergovernmental Panel on Climate Change (IPCC), which was set up to provide a clear scientific view on climate change and its impacts.

The Summary for Policymakers on mitigation paints a picture of a world with carbon emissions rising rapidly.

"The high speed mitigation train needs to leave the station very soon, and all of global society will have to get on board," the IPCC's chair Rajendra Pachauri told journalists in Berlin at the launch of the report.

Dr Youba Sokono, a co-chair of the IPCC's working group 3, which drew up the report, said science has spoken.

AnalysisDavid ShukmanScience editor, BBC News
It took a long night of negotiations here in Berlin to finish this IPCC report and that meant keeping a lot of lights blazing - a painful irony given that nearly half of Germany's electricity comes from burning the very fossil fuels that the report wants to see phased out.
The authors do acknowledge the challenge of switching away from carbon-intense energy - in other words, there's no free lunch. They also admit that there's no silver bullet either, pointing out that renewable sources still need subsidies and capturing carbon dioxide from power stations is unproven on an industrial scale.

And environmentalists will not like one suggestion that many governments will welcome as pragmatic: that gas could replace coal as a "bridging technology" to reduce emissions over the next few decades. Despite these obstacles, the spin around the report is determinedly optimistic, asserting that if the surge in global emissions is reversed then we can avoid the worst of global warming - provided that happens in as little as 16 years' time. But it will take a lot more talking - and lights blazing - to achieve that.

He added that policy makers were "the navigators, they have to make decisions, scientists are the map makers".

The UK's Energy and Climate Change Secretary Ed Davey said global warming needed to be tackled using "all technologies". He told BBC News: "We can do this, we have to because it's so challenging and threatening to our economies and societies, our health, our food security. The report today shows we can do it if we have the political will."

He added that the UK government was a leader on the use of renewable energy sources, saying: "We've, for example, doubled the amount of renewable electricity in the last few years. We're likely to do better than our targets in increasing renewable electricity. But we've got to do more."
About half of all the carbon that humans have pumped into the atmosphere since 1750 has been emitted in the last 40 years.

Rates have been rising fast since 2000, despite the global economic crash.

Analysis


Adam FlemingBBC News Political Correspondent
The Energy Secretary Ed Davey reckons the government doesn't get the credit it deserves for delivering an ambitious green agenda: Investing in renewables, co-operating internationally to cut carbon and building lots of wind farms.

The problem is that there are a few things that a sizeable chunk of Tory backbenchers simply cannot stomach, namely: Subsidies, Europe and - err - building lots of wind farms.

Maybe that's why the Chancellor has come up with a formula which he hopes will satisfy both sides - that Britain can go green but it has to be done as cheaply as possible.

And what about David Cameron? The PM is famously alleged to have said he wanted to "cut the green crap" but that has always been strenuously denied by Downing Street, and he made a passionate plea to tackle climate change during a session of Prime Minister's Questions earlier this year.
The report points to an increased use of coal in the decade from the turn of the millennium , "reversing the longstanding trend of decarbonisation of the world's energy supply".

Driven by a global increase in population and economic activity, global surface temperature increases will be between 3.7C and 4.8C in 2100 if no new action is taken.

This is way above the 2 degree level, regarded as the point beyond which dangerous impacts of climate change will be felt.

However, the scientists involved in the report say this situation can be turned around.
"It needs a big change in the energy sector, that is undoubtedly true," said Prof Jim Skea, vice-chair of working group 3.

"One of the biggest areas that's important is getting the carbon out of electricity, so renewable energy, nuclear, fossil fuels with carbon capture and storage, that's all part of the menu if we are going to make the transition to stay under the 2 degree target."

It is not a simple task. To be sure of staying below 2 degrees, the amount of carbon in the air needs to be around 450 parts per million by 2100. To get there, emissions in 2050 need to be 40-70% lower than they were in 2010.

The IPCC says that renewables are a critical part of that pathway.
Since the last report in 2007, the scientists say that renewable energy has come on in leaps and bounds.

In 2012, renewables accounted for just over half of the new electricity generation added around the world.
The scientists stress that renewables are becoming economically competitive with fossil fuels and also offer a range of other benefits, including clean air and energy security.
"It certainly is the end for carbon intensive fuels that's for sure," said Jennifer Morgan from the World Resources Institute, who was a review editor on one of the chapters of the IPCC report.

What is the IPCC?


In its own words, the IPCC is there "to provide the world with a clear scientific view on the current state of knowledge in climate change and its potential environmental and socio-economic impacts".
The offspring of two UN bodies, the World Meteorological Organization and the United Nations Environment Programme, it has issuedfour heavyweight assessment reports to date on the state of the climate.

These are commissioned by the governments of 195 countries, essentially the entire world. These reports are critical in informing the climate policies adopted by these governments.
The IPCC itself is a small organisation, run from Geneva with a full time staff of 12. All the scientists who are involved with it do so on a voluntary basis.

"There needs to be a massive shift away from fossil fuels and investment needs to shift to going 100% clean as fast as possible."
Prof Ottmar Edenhofer, co-chair of working group 3, said: "Mitigation does not mean the world has to sacrifice economic growth."

He explained that the report added "modest hope", but added: "Climate policy is not a free lunch."
One of the surprising endorsements in the report is natural gas.
"Emissions from energy supply can be reduced significantly by replacing current world average coal-fired power plants with modern, highly efficient natural gas combined-cycle power plants," says the summary.

The report describes natural gas as a "bridge" technology with deployment increasing before peaking and falling below current levels by 2050.
Renewable energy's share of global generation capacity grew last year, but investment fell
However many of the scenarios examined by the panel would still involve an "overshoot" of the target range.
To cope with this the world may need to remove carbon from the atmosphere. Combining carbon capture and storage with bioenergy is seen as one potential solution, but the report is lukewarm on these ideas, saying the "methods are uncertain" and are "associated with risks".
Timing is everything, say the scientists.

"Delaying mitigation efforts beyond those in place today through 2030 is estimated to substantially increase the difficulty of the transition to low longer-term emissions," says the summary.
"If we delay we are faced with hard choices," said Prof Skea.
"Do we give up on the 2 degrees target or do we employ these techniques that suck CO2 out of the atmosphere - if we proceed promptly and we get a deal in Paris next year, then we need to rely less on these ideas."

The human element


The report points out that the way we humans live our lives can make a significant difference to the way we use energy.

It says that in developed countries, lifestyle choices could reduce energy demands in buildings by up to 50% of present levels by mid-century.

But these choices are not just for the richer countries. The report says that over the next two decades urban areas in developing countries are likely to grow rapidly - and this is a window for clean development.

"There is a huge opportunity to link development and climate mitigation particularly in developing countries," said Dr Youba Sokono from Mali, one of the co-chairs of the working group that drew up the report.
"In the new stock of housing and infrastructure, we have a wide range of possibilities to make them climate friendly."
The report points out that there needs to be huge shifts in investment if the worst impacts of rising temperatures are to be avoided. Investment in renewables and other low carbon sources needs to at least treble by the middle of the century, while money flowing into fossil fuels has to diminish.
But differences have emerged over who should make the cuts in emissions and who should pay for the switch to low carbon energy sources. Developed and developing countries have clashed here in Berlin, echoing divisions found in the UN negotiations.

"It is true that some of the dynamics that we see in the UNFCCC negotiations were visible here as well," said Kaisa Kosenen from Greenpeace.

"It is an indication that the key question of equity - who should do what and who should pay for the damages already caused."

Other participants believed that this new report could actually help push the UN process forward.
"I hope that this information from the IPCC can kind of do a bit of a tectonic shift into a co-operating mode rather than a finger pointing mode between countries," said Jennifer Morgan.
"There's too much at stake."

Saturday, April 12, 2014

China Takes On Big Risks in Its Push for Shale Gas - New York Times

China Takes On Big Risks in Its Push for Shale Gas

http://www.nytimes.com/2014/04/12/business/international/china-takes-on-big-risks-in-its-push-for-shale-gas.html?emc=edit_th_20140412&nl=todaysheadlines&nlid=56381892&_r=0

By KEITH BRADSHERAPRIL 11, 2014


    Chinese Fireball Mystery


    China’s largest energy company has made the country’s first commercially viable shale gas discovery, but the path to energy independence is fraught with risks, as one town has seen first-hand.


    “It was so scary — everyone who had a car fled the village and the rest of us without cars just stayed and waited to die,” said Zhang Mengsu, a hardware store owner.
    All too quickly, residents realized the source of the midnight fireball: a shale gas drilling rig in their tiny rural hamlet.

    This verdant valley represents the latest frontier in the worldwide hunt for shale gas retrievable by the technology of hydraulic fracturing, or fracking. It is a drilling boom that has upended the energy industry and spurred billions of dollars of investment.
    Like the United States and Europe, China wants to wean itself from its dependence on energy imports — and in Jiaoshizhen, the Chinese energy giant Sinopec says it has made the country’s first commercially viable shale gas discovery. Its efforts could also help address another urgent issue, as Beijing looks to curb an overwhelming reliance on coal that has blackened skies and made China the largest contributor to global warming.

    Huge drilling projects can be seen embedded into farm land outside of Fuling, China. Shale gas has been discovered in the region. CreditJonah M. Kessel for The New York Times
    But the path to energy independence and a cleaner fossil fuel is fraught with potential pitfalls. Threats to workplace safety, public health and the environment all loom large in the shale gas debate — and the question is whether those short-term risks threaten to undermine China’s long-term goal.
    The energy industry around the world has faced criticism about the economic viability of vast shale projects and the environmental impact of the fracking process. But interviews with residents of six hamlets here where drilling is being done, as well as with executives and experts in Beijing, the United States and Europe, suggest that China’s search poses even greater challenges.
    In China, companies must drill two to three times as deep as in the United States, making the process significantly more expensive, noisier and potentially more dangerous. Chinese energy giants also operate in strict secrecy; they rarely engage with local communities, and accidents claim a high death toll.

    The still-disputed incident in Jiaoshizhen has raised serious concerns among its residents.
    Villagers said that employees at the time told them that eight workers died when the rig exploded that night. Sinopec officials and village leaders then ordered residents not to discuss the event, according to the villagers. Now villagers complain of fouled streams and polluted fields.
    “There was a huge ball of fire,” said Liu Jiazhen, a mustard greens farmer with three children who lives a five-minute walk from the site. “The managers here all raced for their lives up the hill.”
    Ms. Liu said that the flames rose higher than the pines on a nearby ridge, covering the steel frame of the rig, which is nearly 100 feet high. The flames burned for hours, she said.
    Sinopec describes the incident as a controlled flaring of gas and denies that anybody died. While the company would not speak in detail about its shale projects, Sinopec said it ran its operations safely and without harm to the environment.

    Li Chunguang, the president of Sinopec, said in an interview in late March that nothing had gone wrong in Jiaoshizhen. “There is no basis for this,” he said.
    The bustling activity in Jiaoshizhen indicates a significant find for Sinopec.

    Feeder pipes connect some of the dozen or so drilling sites, and 100 more wells are planned. Bright blue, boxy equipment for gas compression is being installed on large, flat lots next to at least two of the drilling rigs. A two-lane road has been paved across a mountain pass from Fuling, the nearest city, to help carry the 1,100 truckloads of steel, cement and other supplies needed for each well.
    The valley has been so isolated for centuries that residents of its 16 hamlets still speak a dialect that is distinct even from Fuling, 13 miles away. Jiaoshizhen had only two-story concrete buildings and single-story mud brick farmhouses last August; Sinopec workers lived in trailers while managers rented the upstairs of concrete homes. On a visit six months later, at least 20 tower cranes were erecting high-rises.

    The gas field in Jiaoshizhen “is the closest we have in China to a breakthrough project,” said Gavin Thompson, the head of Asia and Pacific gas and power research at Wood Mackenzie, one of the largest energy consulting companies. He noted, however, that Sinopec was providing few details and that he, like most Western experts, had not been able to visit the valley.
    Chris Faulkner, the chief executive and president of Breitling Energy, a Dallas company that has advised Sinopec on its drilling in western China for four years, said that the energy giants’ reluctance to have open discussions about health, safety and environmental issues might prompt communities to fear the worst.

    “If they think that they’re going to go out and drill 1,000 wells, and no one is going to Google ‘fracking,’ they’re fools,” he said, adding that even in China, “the days of ‘shut up and be quiet’ are gone.”


    The Chinese energy giants have plenty of money to fund their efforts. Sinopec has one million employees and is the world’s fourth-largest company by revenue after Royal Dutch Shell, Walmart and Exxon Mobil; the fifth-largest is China National Petroleum. With their deep pockets, the companies have been investing heavily in North American shale businesses; Sinopec paid $2.2 billion in 2012 for a 30 percent stake in Devon Energy’s shale gas and oil operations in the United States.
    In China, workplace safety is a significant concern. Thousands die each year in coal mines, according to government statistics that have prompted a successful national crackdown over the last decade.
    Scant information is publicly available about the safety and environmental records of the politically powerful, mostly state-owned oil and gas industry. But Sinopec has acknowledged two deadly accidents in the last year, albeit not related to fracking. An oil pipeline explosion in Qingdao killed 62 and injured 136, and a cooking gas explosion in Dongguan killed one.

    In Jiaoshizhen, after the blast, worries linger about the impact on the residents’ health and their fields.
    Villagers said in interviews in August and February that the fast-spreading gas they encountered last year had been foul-smelling. Sinopec said that it had done air tests and not found any toxic pollution, although it declined to identify the gas.

    The gas evoked particular fear here because drilling by China National Petroleum in 2003 about 120 miles to the northeast released toxic gases that killed 243 people and sickened thousands. That accident involved conventional gas exploration, however, not fracking.

    Residents here also worry about diesel runoff from the drilling sites, tainting local streams and at least one shallow well. The drilling “makes so much noise and the water that comes down the mountain has become so much dirtier to drink; now it smells of diesel,” said Tian Shiao Yung, a farmer.
    Sinopec said that it temporarily provided drinking water to residents after drilling foam surfaced in a nearby cave last spring, and it changed its drilling practice. The company said that subsequent tests had shown the local water to be “drinkable.”

    Despite her complaints, Ms. Tian, like every other resident interviewed, welcomed the drilling for one reason: money.
    Sinopec rents land from farmers for 9,000 renminbi, or $1,475, per acre each year. Farmers earn that much money from growing crops only in the best years, and then after hundreds of hours of labor.
    “Farmers don’t mind; now they can buy their rice instead of having to grow it,” Ms. Tian said, adding: “I’m still drinking the water.”

    Friday, April 11, 2014

    How human culture influences our genetics - BBC NEWS

    How human culture influences our genetics

    http://www.bbc.com/future/story/20140410-can-we-drive-our-own-evolution

     10 April 2014

    How human culture influences our genetics

     Jason G Goldman



    The way we eat, cook, explore and interact with others can influence our genes, says Jason G Goldman. So how will modern culture shape our children?

    Related

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    You shouldn't be able to drink milk. Your ancestors couldn't. It is only in the last 9,000 years that human adults have gained that ability without becoming ill. Children could manage it, but it was only when we turned to dairy farming that adults acquired the ability to properly digest milk.
    It turns out that cultures with a history of dairy farming and milk drinking have a much higher frequency of lactose tolerance – and its associated gene – than those who don't.
    Drinking milk is just one of example of the way that traditions and cultural practices can influence the path of our evolution. Culture and genetics are traditionally thought of as two separate processes, but researchers are increasingly realising that they are intimately connected, each influencing the natural progression of the other. Scientists call it "gene-culture co-evolution." Why does it matter? If we can pin down how culture influences our genetic makeup – and how the same processes apply to other creatures too – then we can be better understand how the way we act as a society today could influence our future.
    Another example of how culture influences our genes is the relationship between yam farming and malaria resistance. Throughout much of Africa, people are in constant battle with malaria. According to the CDC, in 2010 there were some 219 million cases of malaria reported worldwide, and 660,000 were fatal. More than 90% of those who died lived in Africa.
    Malaria-carrying mosquitoes are a killer in Africa - but some people have a different disease that gives them protection (SPL)
    But there are some people who seem to have a natural defense force. Their red blood cells, normally shaped like flattened disks, are shaped instead like a crescent or sickle. Because of the odd shaped blood cells,sickle-cell disease can lead to blockages in blood vessels, which in turn cause pain and organ damage. Under normal circumstances, evolution keeps sickle-cell disease to a minimum because it can be so harmful and can reduce life expectancy. But because of a biological quirk, the sickle-cell gene can actually protect against malaria. So in parts of the world where malaria infection rates are extremely high, like Africa, natural selection may actually favour the sickle-shaped cells. In the gamble of life, protection against malaria may be preferable, even at the potential cost of suffering from sickle-cell disease.
    Here's what's interesting: those communities that farm yams have much higher rates of the sickle-cell gene than nearby communities with different agricultural practices. In order to cultivate yams, trees had to be chopped down. "The removal of trees had the effect of inadvertently increasing the amount of standing water when it rained, which provided better breeding grounds for malaria-carrying mosquitoes," writes biologist Kevin Laland of the University of St Andrews in Nature Reviews Genetics. More mosquitos mean more malaria, creating the conditions for sickle-shaped cells to become adaptive.
    So while it's sickle-cell disease that's protective against malaria, it was a uniquely human behavior – yam farming – that allowed evolution to act.
    Not all examples of gene-culture co-evolution are quite as beneficial. Polynesians, for example, have a uniquely high prevalence of type II diabetes. It's among the highest worldwide, and is higher even than among neighbouring human populations. One group of researchers has discovered that the Polynesians have a particularly high frequency of a variant of a gene called PPARGC1A, and that may be responsible for their high frequency of type II diabetes, at least in part.
    Did a historical culture of exploration make Polynesian people more prone to obesity today? (SPL)
    Why are they so uniquely afflicted by this disease? The researchers think it may have something to do with their ancestors' culture of exploration. As the Polynesians settled the islands of the Pacific, they endured long voyages across the open ocean, and faced the stresses of cold and starvation. Those conditions may have encouraged "thrifty metabolism", which allows people to build up fat deposits more quickly when food is available. Natural selection may have increased the frequency of associated gene variants among them. However the sort of metabolism that would have been useful to explorers can lead to obesity and type II diabetes for individuals in modern cultures with consistent sources of nourishment. So modern Polynesians may have inherited a susceptibility to type II diabetes not because they lead a sedentary lifestyle, but because their ancestors decided to climb into some canoes and explore their planet.
    While these examples are perhaps the best understood examples of gene-culture co-evolution, researchers have identified scores of others. Our domestication of plants may have given a leg up to the genes that allow us to detoxify certain chemical compounds found in the plants we eat. Our history of exploring new territories and unfamiliar climates may have acted upon genes that allow us to tolerate more extreme heat or cold than our ancestors. The invention of cooking may have altered the evolution of our jaw muscles and our tooth enamel. The emergence of language and complex social cognition may have prompted natural selection to further guide the development of our brains and nervous systems.
    Dolphin mothers teach their young a specialised 'culture' of feeding, called sponging (SPL)
    It would be easy to assume that cultural influences are unique to humans. Yet some animal species have at least rudimentary cultures, and it would be silly to think that this couldn't influence their genetics just as ours does. It might be happening among the dolphins of Shark Bay, Australia.
    A group of researchers led by University of New South Wales biologist Anna Kopps has been studying the bottlenose dolphins of the western part of the bay. A well known form of foraging among these dolphins is "sponging," a behavior that involves carrying a conical sponge to protect their faces as they root around the seafloor looking for food. It's not just an exciting example of tool use; it's also evidence of cultural transmission.
    The behavior, as Kopps points out, is "almost exclusively transmitted from mothers to their offspring through social learning". That means there's a tight correlation between it and the parts of the young dolphins' genomes that are passed on from their mothers.
    This link does not necessarily provide us with evidence that a cultural behavior has caused alterations in the genetic material, unlike the lactose tolerance, malaria resistance, and thrifty metabolism examples in humans. Still, it's a clue that there could be something more, a hint at a way in which cultural practices in dolphins might create an opportunity for natural selection to occur.
    Could wearing robot prosthetics influence our future evolution? 
    Cultural influence on our own evolution continues apace, but it is currently nearly impossible to predict just how it will happen. What sorts of genetic adaptations will we see as a result of our technological culture? Will those adaptations apply universally, or only among some of us? How will human-machine interfaces, such as robotic prostheses or neural implants, affect our gene pools? Will the propensity for violent sports in some cultures lead to adaptations to protect against head trauma? And what are the questions we don't even yet realise we should be asking?
    It no longer makes sense to think of genetics and culture as two separate uninteracting monoliths. The difficulty is identifying how and if one is influencing the other. "This is the great challenge for the field of gene-culture co-evolution, and it is a formidable challenge," Laland writes. "Nonetheless, the best-researched examples, such as the lactose-tolerance case, not only show that gene-culture co-evolution occurs but also illustrate the means to establish this."

    Thursday, April 10, 2014

    Heartbleed bug creates confusion on internet - BBC NEWS

    Heartbleed bug creates confusion on internet

    http://www.bbc.com/news/technology-26971363

    10 April 2014 Last updated at 15:04

    Heartbleed bug creates confusion on internet

    By Mark WardTechnology correspondent, BBC News
    Minecraft-maker Mojang shut down game servers for several hours while potentially vulnerable software was patched

    Computers vulnerable to the Heartbleed bug are actively being targeted online, say security experts.
    However, it is not yet clear whether the scanning efforts are benign or are the work of cyber-thieves keen to steal data, they say.
    The news comes as some security professionals and developers advised people to change all their passwords.
    But Google said that logins for its services did not need to be reset unless they were used on other sites.
    That contradicted advice from Yahoo's blogging platform Tumblr and the developers of the app If This Then That who have told users they should change their passwords "everywhere".
    The conflicting guidance is further complicated by the fact that experts say updating a password is useless unless a site has patched its servers - but it is not always obvious to the public when this is the case.
    Attack pattern
    News about the Heartbleed bug broke on 8 April and has kicked off a frenzy of activity as web companies check to see if their systems are vulnerable.
    The bug emerged in software that should have kept data passing between sites and users safe from scrutiny. Instead the bug meant that attackers could use specially crafted queries to slowly steal data from servers.
    Ars Technica reported that some sites had seen evidence that networks of bots were probing them for the Heartbleed weakness long before the bug was publicised.
    Rory Cellan-Jones looks at ways to manage strong online passwords
    Information about scans of vulnerable servers are also circulating among security researchers. One scan turned out to pose no threat as whoever was behind it simply told the gaming company who ran the computers that they were leaking data.
    "It's difficult to detect an attack unless you are actively looking for it," said Ken Munro, an analyst at security company Pen Test Partners. He added that many intrusion detection systems had now added signatures that spot the subtle signs that a Heartbleed-inspired attack is under way.
    In addition, organisations running "honeypots" that try to trick hackers into attacking bogus web servers have written code that generates nonsensical server data in response to Heartbleed requests.
    About 500,000 servers are vulnerable to the Heartbleed bug, statistics from net monitoring company Netcraft suggest.
    Many large sites that ran vulnerable servers have now patched their systems and many others are following suit. However, a huge number of sites still remain vulnerable. Websites have sprung up that let people check if a site they use is vulnerable.
    Conflicting advice has been given to web users from different companies about about whether they should be updating their passwords. Google said users did not need to change credentials; Facebook advised users to make a change; and others, such as web service If This Then That, said users should change all passwords.
    Users should first check to see if a site they were using was vulnerable to the bug and whether they had taken action to fix it, said James Lyne, global head of research at Sophos. Changing a password on an unprotected site could still leave people open to data theft, he said.
    In addition, he added, the rush to change passwords was likely to encourage phishing gangs to start sending out bogus messages advising people to reset or change their passwords.
    "This is not the first defect of its kind and it certainly won't be the last, but it is one of the more serious faults we've seen in recent internet history," said Mr Lyne.
    NameVulnerable?Patched?Change password?
    Amazon
    No
    No need
    Only if shared with vulnerable service
    Amazon Web Services
    Yes
    Yes
    Yes
    Apple
    Not clear
    Not clear
    Not clear
    Barclays
    No
    No
    Only if shared with vulnerable service
    eBay
    No
    No need
    Only if shared with vulnerable service
    Evernote
    No
    No need
    Only if shared with vulnerable service
    Facebook
    Yes
    Yes
    Yes
    Google/Gmail
    Yes
    Yes
    Yes
    HSBC
    No
    No need
    Only if shared with vulnerable service
    If This Then That
    Yes
    Yes
    Will force users to log out and ask them to update
    LinkedIn
    No
    No need
    Only if shared with vulnerable service
    Lloyds
    No
    No need
    No
    Microsoft/Hotmail/Outlook
    No
    No need
    Only if shared with vulnerable service
    PayPal
    No
    No need
    Only if shared with vulnerable service
    RBS/Natwest
    No
    No need
    Only if shared with vulnerable service
    Santander
    No
    No need
    Only if shared with vulnerable service
    Tumblr
    Yes
    Yes
    Yes
    Twitter
    No
    No need
    Only if shared with vulnerable service
    Yahoo/Yahoo Mail
    Yes
    Yes
    Yes

    More on This Story

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    Wednesday, April 9, 2014

    Appealing to a College for More Financial Aid - New York Times

    Appealing to a College for More Financial Aid

    http://www.nytimes.com/2014/04/05/your-money/paying-for-college/for-many-families-college-financial-aid-packages-are-worth-an-appeal.html?emc=edit_my_20140407&nl=your-money&nlid=56381892&ref=your-money-email&_r=0

    The era of the financial aid appeal has arrived in full, and April is the month when much of the action happens.
    For decades, in-the-know families have gone back to college financial aid officers to ask for a bit more grant money after the first offer arrived. But word has spread, and the combination of the economic collapse in 2008-9 and the ever-rising list price for tuition and expenses has led to a torrent of requests for reconsideration each spring.

    Do not call it bargaining. Or negotiation. That makes financial aid officers mad, as they don’t like to think of themselves as presiding over an open-air bazaar. But that’s not to say that you shouldn’t ask. At many of the private colleges and universities that students insist on shooting for, half or more of families who appeal get more money. And this year, for the first time, the average household income of financial aid applicants will top $100,000 at the 163 private colleges and universities that the consulting firm Noel-Levitz tracks.
    Photo
    McGraw Tower and Uris Library at Cornell University. Cornell will match higher need-based aid offers from some high-end schools, no questions asked. CreditHeather Ainsworth for The New York Times
    Whatever you call your request for reconsideration, keep this in mind: For all of the real, important work of forging minds that goes on behind the ivy-covered walls, this is also an industry. The people who work in it are obsessed with carefully managing enrollment and making sure that they don’t give away too much money. To accomplish these goals, Carnegie Mellon uses proprietary statistical modeling, while consultants like Noel-Levitz sell revenue management systems and blog about merit scholarships that can serve as decision triggers. The real sin in the financial aid world is something called overawarding, lest the discount rate outpace the growth of net tuition revenue per student.
    All that business jargon is not to suggest that they aren’t discounting. It happens, a lot. Knowing a bit more about how the process works may help you get a lower price if you don’t like the figures on the award letter that your child has received.
    In recent weeks, I sent notes to a few dozen of the most expensive colleges and universities in the country seeking answers to a few basic questions about appeals. Some declined to help or were nearly monosyllabic, perhaps reflecting either their distaste for appeals or their 100-hour workweeks at the moment. The initial response from the University of Chicago came with a claim that the answers to my questions were not public information. Then there was the heartfelt and intensely useful response from Maureen McRae Goldberg, the director of financial aid at Occidental College, which appears in full with the web version of this column.
    The responses I did get led me to believe that there were two main kinds of appeals, and only the first had a reasonably high likelihood of success.
    Financial Changes
    Your best shot with an appeal will come from a change in your family’s financial circumstances since you applied for aid. Possibilities include job loss or other reduction in income, new health expenses, death of a parent, disability of a family member, nursing home costs, natural disasters or parental credit woes that make borrowing impossible.
    When you make the appeal, Kelly O’Brien, the director of financial aid at Trinity College, suggests that it be written, quantified and documented. At Sarah Lawrence, the dean of enrollment, Kevin McKenna, adds that it’s easier to respond to changes that have already happened. Upon appeal, the school may wait to see what happens with changes families merely anticipate.

    Here are some circumstances not to cite: Ms. McRae Goldberg of Occidental once heard from a family that wanted allowances for $3,000 in monthly groceries, including $1,000 for dairy products. Then there was another family with $30,000 in medical expenses after a cancer diagnosis. Documentation arrived, and it was for the family cat.
    So what are your odds of success when you ask for more grant money that you don’t have to pay back? Some universities claim they don’t track the batting average of appealers, while others almost certainly do but didn’t want to tell me.
    But a few institutions did give up some numbers. At Occidental, the financial aid office approved the appeals of one-third of the entire entering class (including those who did not apply for financial aid). Eugene Lang College at the New School reports a 57 percent success rate among all its students who have appealed. At Cornell and Sarah Lawrence, it’s about 50 percent.
    Dartmouth would only say that it loosens the purse strings for a majority of the appeals, and it sympathized with those who curse the whole system, noting that the various formulas that most colleges use don’t fully recognize the true cost of living for most families.
    Sometimes, misunderstandings occur. Most families are applying for financial aid for the first or second time, so they make mistakes. Financial aid officers aren’t infallible either. The rules around divorced parents, home equity and small-business revenue can throw people for a loop. If similar schools offer radically different amounts, it’s worth finding out if there was an error.
    Cornell instantly corrects itself if you’ve got higher need-based aid offers from other Ivy League schools or M.I.T., Duke and Stanford; it will match that offer, no questions asked.
    Carnegie Mellon appears to be acting similarly, noting on its site that the university has “been open about our willingness to review financial aid awards to compete with certain private institutions for students admitted under the regular decision plan.” Then it throws in this zinger: “Unlike most institutions, the university states these principles openly to those offered first-year admission under the regular decision plan.”

    Merit and Matching
    One of the key code words here is “need-based” offers, like the ones that Cornell offers to match. Many institutions also give away “merit” scholarships to students they want to attract, regardless of whether they can afford to pay the entire cost of attendance and have no financial need.
    This is where things get tricky. Many families get merit scholarships but also have financial need. But it’s often hard to get one school that offers need-based aid but no merit aid to match the overall grant package of another school that offers both. It’s also challenging when the colleges are not of equal stature.
    Moreover, the colleges are on to you. Enrollment specialists have gathered data and done the math, and people who appeal are more likely to attend than people with aid offers who do not appeal, regardless of whether the school gives the appealers more money. In fact, according to Jim Scannell, the co-founder of consulting firm Scannell & Kurz, sometimes the people with rejected appeals enroll at a higher rate than those with winning appeals. “You’re not going to appeal to a place that you’re not serious about,” he said.
    People who try haggling around the merit money are the ones who inspired Kenyon’s vice president of enrollment, Jennifer Delahunty Britz, to describe this in a Washington Monthly story last year not as some golden age of banter and reconsideration but an “age of entitlement.”

    She’s not the only one who isn’t fond of the parents’ appeals. Here’s Victoria Romero, vice president for enrollment at Scripps College, on the subject: “It is important for families to understand that financial aid packages are not subject to negotiation.” She adds, seemingly for emphasis: “We award all merit aid at the time of admission and will not match another school’s merit award.”


    Other schools may indeed match the overall offer, perhaps under the face-saving guise of checking the original application for supposed errors in calculating actual financial need. But even then, families need to be honest with themselves about the applicants. “Be realistic about how they will stack up,” said Kalman Chany, the author of “Paying for College Without Going Broke” and an aid consultant to families. “If you’re barely sneaking in, they don’t care if you come so much. But if they’re buying your SAT scores or grades to improve their rankings and convince other people to spend the money to go there, then they really have to have you.”
    The worst that can happen is that the financial aid office says no, so many parents will be tempted to try get a better offer anyway. But Deborah Fox, a veteran family aid adviser, tries to talk them into putting the student at center stage. “I prefer the student appealing,” she said. “I want them to demonstrate taking control of their college education and being engaged in the financial aid process. Colleges have to deal with pushy parents all the time.” She claims a higher success rate with this approach.
    Still, much will depend on the college. What is its endowment? How many students have said yes so far, and what sort of aid did they get? “We do our best to understand families’ resources from the information they provide,” said Mr. McKenna of Sarah Lawrence. “But at some point, we have offered as much we can to a student. If financial aid offices had enough resources to go around, no one would ever need to appeal.”

    Tuesday, April 8, 2014

    5 Mind-Blowing Revelations from Secret Apple Emails - TIME

    5 Mind-Blowing Revelations from Secret Apple Emails

    http://time.com/52126/apple-emails-steve-jobs/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+timeblogs%2Fcurious_capitalist+%28TIME%3A+Business%29

    April 7, 2014
        

    For the past week, tech titans Apple and Samsung have been engaged in a high-stakes patent battle in a Silicon Valley courthouse. Apple claims Samsung sold productsthat violate its patented smartphone and tablet —and owes $2 billion for the transgression. Samsung is claiming Apple violated two of its patents and owes $6 million.
    Apple and Samsung’s tussles in the highly competitive smartphone/tablet market have led to some bad blood. In a biography of Apple’s co-founder Steve Jobs by Walter Isaacson, Jobs, who died in 2011, is quoted saying, “I’m going to destroy Android, because it’s a stolen product. I’m willing to go to thermonuclear war on this.” In the two companies’ last patent fight, Apple was awarded nearly $1 billion, though Samsung is appealing the verdict.
    But just a week into the case, emails and memos released as evidence in the lawsuit deep the antagonism between Apple and Samsung really is. They also shed light on how each company reacted to the challenge posed by the other.
    Here are some of the biggest surprises from emails released last week:
    1. Steve Jobs believed he was in a “Holy War” with Google.
    Google is a proxy in the Apple-Samsung feud, as Google created much of the technology that powers Samsung’s smartphones and tablets. If Apple wins, Google could have to make big changes in many of its features.
    But Apple and Google have been at loggerheads for years. In an email revealed last week that Apple’s former chief executive circulated to top company employees in October 2010, Jobs outlined his plan for a meeting at an annual retreat. One of Jobs’ planned discussion points included Apple’s “Holy War with Google” and “all the ways we (Apple) will compete with them (Google).”
    1. Apple’s marketing team thought Samsung was running circles around its ad campaign
    Samsung stepped up its ad game in 2012 and 2013 with commercials targeted at Apple that made the iPhone’s technology appear antiquated and unattractive. After Phil Schiller, Apple’s senior vice president of global marketing, saw Samsung’s 2013 pre-Super Bowl commercials, he was dismayed enough to write an email to Apple’s outside ad producer, TBWA\Media Arts Lab, comparing Samsung to “an athlete who can’t miss because they are in the zone,” “while we struggle to nail a compelling brief on iPhone.”
    “I can’t help but think ‘these guys are feeling it,’” Schiller wrote of Samsung.
    1. Apple almost fired its top ad agency.
    Apple’s disgruntlement with Samsung’s ad campaign pushed Apple to reconsider its relationship with its outside ad producer Media Lab. Apple “may need to start a search for a new agency,” Schiller wrote to Apple chief executive Tim Cook in early 2013. He added, “we are not getting what we need from them and haven’t been for a while.”
    The email is all the more surprising considering Media Arts Lab had long been Apple’s go-to ad campaigner, and had created the famous “1984″ Super Bowl ad that introduced the Macintosh personal computer.
    1. Steve Jobs was probably planning a “magic wand” for television
    As part of Apple’s planned move into TV, Jobs was mulling options for the attack. “Apps, browser, magic wand?” he said in a 2010 email as part of potential strategies to bring Apple into television.
    1. Samsung is obsessed with one-upping Apple
    In a Samsung business forecast for 2012, the company made it clear that its top prerogative was its tussle with Apple. “Beating Apple is #1 Priority (everything must be in context of beating Apple).” The forecast anticipated the release of the iPhone 5 and said the “threat from Apple is extremely real and urgent.”

    Monday, April 7, 2014

    Want to Succeed? You Should Seriously Consider Doing Nothing - TIME

    Want to Succeed? You Should Seriously Consider Doing Nothing

    http://time.com/45995/want-to-succeed-you-should-seriously-consider-do-nothing/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+timeblogs%2Fcurious_capitalist+%28TIME%3A+Business%29


        
    If you want to motivate yourself to keep doing something, rather than getting lazy and copping out, here’s an idea: Make “do nothing” one of the choices you present yourself with.
    The reason, according to a study by University of Pennsylvania marketing professor Rom Y. Schrift and Georgia State University marketing professor Jeffrey R. Parker, is that adding in the do-nothing choice makes us more likely to persevere in what we set out to do.
    For instance, if you plan to start working out and join Gym A or Gym B, add in the option of not joining any gym at all.
    “Whether it is workplace management, the health care arena or parenting, a subtle addition of a seemingly innocuous option can actually make someone want to do something even more,” an article in Knowledge@Wharton explains.
    Puzzling? “It sounds counterintuitive because we assume that the option of doing nothing reduces persistence,” Schrift tellsKnowledge@Wharton. “However, if I choose something, I learn about my preferences. Just knowing that fact helps us persist longer when there’s adversity or hardship.”
    Peter Drucker would surely have agreed that giving yourself the option of doing nothing can be clarifying. In particular, it can help you figure out what the decision is really about, a topic we’ve addressed before. Gym A or Gym B may really be a decision about how much to work out, for example.
    But Drucker would also likely add that sometimes the option to “do nothing” is a good one to consider because sometimes it’s best to, well, do nothing. As Drucker pointed out in Management: Tasks, Responsibilities, Practices: “There is one question the effective decision-maker asks: ‘Is a decision really necessary?’ One alternative is always the alternative of doing nothing.”
    And sometimes, in fact, “there are those conditions with respect to which one can, without being unduly optimistic, expect that they will take care of themselves even if nothing is done.” That’s why Drucker advised, “If the answer to the question ‘What will happen if we do nothing?’ is ‘It will take care of itself,’ one does not interfere.”

    It’s a rule too often ignored by decision makers (not to mention gym rats).

    Sunday, April 6, 2014

    Welcome to the Era of Politically Correct Web Browsing -TIME

    Welcome to the Era of Politically Correct Web Browsing

    http://time.com/49136/brendan-eich-mozilla-firing-firefox-gay-marriage/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+timeblogs%2Fcurious_capitalist+%28TIME%3A+Business%29

    April 3, 2014
        

    Now, apparently, we’re boycotting free products and demanding companies dance to the tune called by socially conscious customers.


    Just days after being named the new head of web-browser maker Mozilla, Brendan Eich has stepped down after being outed as an opponent of gay marriage. On Tuesday, dating site OK Cupid urged its members who use Mozilla Firefox to “consider using different software for accessing OK Cupid.” It turns out that Eich had given money to California’s Proposition 8, a 2008 ballot initiative that banned same-sex marriage in the Golden State (last year, the U.S. Supreme Court ruled Prop. 8 invalid and same-sex unions are once again legal in California).
    Welcome to the brave new world of socially conscious… web-browsing. In the past, consumers might patronize certain businesses (Whole Foods, say, or Ben & Jerry’s) whose stated missions extended beyond increasing shareholder value and avoided others that might have politically objectionable CEOs or reputations for being anti-abortion (Domino’s Pizza, say) or public positions opposed to certain forms of birth control (Hobby Lobby, for instance). Now we’re boycotting free products such as Firefox and demanding companies dance to the tune called by customers. I think that’s a good thing overall — but it may end up being just as difficult for consumers to live with as it will be for corporations.
    POPULAR AMONG SUBSCRIBERS
    Whether you care about gay marriage or politically correct web experiences, Eich’s resignation shows how businesses respond to market signals. “Mozilla believes both in equality and freedom of speech. Equality is necessary for meaningful speech,” writes Mitchell Baker, the organization’s executive chairwoman, in announcing Eich’s stepping down. “And you need free speech to fight for equality. Figuring out how to stand for both at the same time can be hard.”
    Just as the Internet has empowered consumers to find cheaper prices, more-extensive reviews, and a wider variety of goods than ever before, it’s also made it easier for them to call out companies for all sorts of dastardly actions, screw-ups, and problems. I like that OKCupid’s intervention wasn’t a call for government action to limit people’s choices or ban something. Indeed, OKCupid didn’t even block Firefox users from its site — rather, it politely asked them to consider getting to the site via a different browser.
    But this sort of action complicates the simple act of shopping for both traditional conservatives and liberals in ways that are not yet fully clear. Conservatives should like the fact that this was done without calling for government action, even if they aren’t fans of gay marriage. For liberals, they surely like the outcome — a corporation pledges itself to supporting marriage equality — even as they will have to rethink the idea that corporations or businesses don’t have “personhood” or can’t take stances on issues (as liberals like to claim when it comes to campaign-finance questions). In fact, we ascribe intention to businesses all the time, based on their practices and leadership.
    It wasn’t that long ago — in fact, it seems like just last week — that we accessed the web to hunt for the best deal on a new cell phone or a pair of shoes. Now we must be aware not simply of the deep politics of the companies we actually buy from, but even the company whose free downloads we use. Increasingly, we will be asking ourselves what sorts of non-business-related policies companies have and whether we want to associate with all that — even when we don’t pay a dime for a particular good or service.
    That’s fine. After all, now that we’re well past a subsistence economy, we live in a world of largely symbolic exchange, where we don’t simply choose something because we’re hungry or naked but because we want to make a statement about what sort of person we are, what sort of taste we possess, and what sort of values we share.
    But socially conscious web browsing will also be a time-consuming and hugely complicating activity too. One of the great promises of the Internet was that it would allow all of us to sift through vast amounts of information and arrive at the best answer in record time. We all know it hasn’t quite worked out that way. We spend more time than ever hunting for new things and then even more energy comparing this option to that option. And now, we have even more to consider every time we fire up our browser.