Friday, June 28, 2013

New low-cost, transparent electrodes

June 27, 2013 ? Indium tin oxide (ITO) has become a standard material in light-emitting diodes, flat panel plasma displays, electronic ink and other applications because of its high performance, moisture resistance, and capacity for being finely etched. But indium is also rare and expensive, and it requires a costly deposition process to make opto-electronic devices and makes for a brittle electrode. Replacing indium as the default material in transparent electrodes is a high priority for the electronics industry.

Now, in a paper appearing in APL Materials, a new open-access journal produced by AIP Publishing, researchers report creating a sturdy, transparent, and indium-free electrode from silver (Ag) and titanium dioxide (TiO2) that could replace indium-based electrodes in some applications.

"Silver and titanium are much more abundant than indium in the earth's crust, and so we anticipate that electronic devices based on silver and titanium dioxide would be a more sustainable materials system and be manufactured at a low cost," said T.L. Alford, a professor of Materials Science and Engineering at Arizona State University who led the research.

The TiO2/Ag/TiO2 composite electrode multilayer film the researchers studied has been well characterized in the literature, but the team optimized both the thickness of the silver layer and the manufacturing process so that the multilayer film has a low sheet resistance and high optical transmittance, both properties necessary for high-performance.

The researchers created films with a sheet resistance as low as one sixth of that achieved by previous studies, while maintaining approximately 90 percent optical transmittance. With the choice of an underlying substrate made of polyethylene napthalate (PEN) -- a sturdy polymer used in a variety of applications from bottling carbonated beverages to manufacturing flexible electronics -- the researchers added additional durability.

Because of a less expensive manufacturing process and the wide availability of titanium dioxide, silver and PEN, the new TiO2/Ag/TiO2 thin film could one day help make devices such as electronic displays and solar cells more affordable by replacing more expensive indium-based electrodes.

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The above story is reprinted from materials provided by American Institute of Physics (AIP), via Newswise.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Aritra Dhar, T. L. Alford. High quality transparent TiO2?Ag?TiO2 composite electrode films deposited on flexible substrate at room temperature by sputtering. APL Materials, 2013; 1 (1): 012102 DOI: 10.1063/1.4808438

Note: If no author is given, the source is cited instead.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/matter_energy/electronics/~3/H1X-9lhBbuM/130627130953.htm

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Wednesday, June 26, 2013

StickNFind launches SDK, lets coders harness its Bluetooth stickers

StickNFind Bluetooth stickers let you tag and locate your goods with a smartphone handson video

When StickNFind burst onto the scene at the start of the year, the company promised that an SDK wouldn't be too far behind. True to the company's word, the toolbox has arrived, enabling developers to turn the Bluetooth location stickers into museum triggers, track conference attendees, or even turn the small discs into rudimentary pagers. The software's now available on the StickNFind website, while interested parties can dip their head below the break to learn a little more.

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Source: StickNFind

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/An1tujWtfpI/

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Saturday, June 22, 2013

Help for African rhino poaching survivors

June 21, 2013 ? In Africa hundreds of rhinos are shot or immobilised by poachers every year to supply ground up horn for the Asian medicine market. It is reputed to make men virile and treat anything from stomach ache to cancer -- all just a myth.

South Africa has more rhinos than most other African countries because conservation and breeding have been more successful there. Consequently it has become a major target of the poaching syndicates and many of the rhinos are slaughtered and maimed. Their horns are hacked off -- usually while still alive, leaving the injured animals to die.

Many of these rhinos are too badly maimed to survive but a group of vets has taken on the often heart-breaking task of trying to rescue and treat the animals that are not killed. Although many do not charge for this, the costs of immobilising, testing and treating these animals is still enormous requiring helicopters and trucks as well as large quantities of expensive drugs.

Thousands of miles away from this rhino bloodbath veterinary pathologist Professor Fred Reyers, from the School of Life Sciences, University of Lincoln (UK), has been interpreting laboratory blood analysis data, sent to him electronically, to guide the vets who are treating the badly injured survivors.

He said: "Poachers use two approaches: shooting the rhino, with the intention of killing which requires marksmanship and a heavy calibre rifle. Many rhino are just stunned and/or wounded sufficiently to make it possible to saw or hack the horn off. They often have serious shrapnel injuries which tend to become infected and, if left lying on one side for several hours, are disposed to muscles on the lower side dying off because the sheer mass of the animal prevents blood flow. The second approach is the use of an immobilising dart gun -- however the poacher does not give an antidote.

"The septic bullet tracts, septic horn-removal lesions and dying muscles all contribute to sepsis and this can lead to secondary damage to vital organs, like the kidney, lung and liver. These syndromes are well recognised in car crash victims, explosion injuries, battlefield wounded and burn patients. The actual lesions are almost impossible to assess accurately from the outside. So, to get an idea of how serious and/or advanced these injuries are and the resulting problems, we rely on measuring a number of blood parameters that reveal the extent and stage of inflammation and organ failure. Based on the interpretation of these blood tests, the attending veterinarian can adjust the treatment protocol."

Prof Reyers works closely with South Africa's top rhino vet Dr William Fowlds, trustee for Chipembere Rhino Foundation in South Africa.

Dr Fowlds travels all over South Africa attending to the rhino who have survived a poaching attack and helping other wildlife vets manage these cases.

He said: "This year alone South Africa has lost more than 2.5 rhino per day. Most of the poaching occurs in the northern Kruger National Park, a park the size of Israel. The park borders on Mozambique and there is a deluge of poachers crossing the river to get to the rhino. Trained rangers put their lives at risk, for very little salary.

"I count myself truly blessed to be able to live my dream as a wildlife vet in a part of Africa that satisfies my senses and fills my soul. One of my many privileges is that I get to work with rhino in the wild. These living dinosaurs are truly iconic symbols of our successes and failures as custodians of this planet. The current rhino situation is a dying testimony of our conservation efforts."

Dr Fowlds will be giving a talk at the Royal Geographical Society in London on Wednesday, 18th September. Entitled "The Changing Face of the Rhino," Dr Fowlds will be supported by Bear Grylls and Virginia McKenna OBE of Born Free Foundation.?

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_science/~3/WbGZEUB92lU/130621095510.htm

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Why closely related species do not eat the same things

June 21, 2013 ? Closely related species consume the same resources less often than more remotely related species. In fact, it is the competition for resources, and not their kinship, which determines the food sources of the species of a community. Under the effect of this competition, closely related species have specialized on different food resources. This is the conclusion of a study carried out by researchers from CNRS, the Mus?um National d'Histoire Naturelle and Exeter University (United Kingdom). These results were obtained by studying trophic interactions between species at an extraordinary level of detail in an English meadow.

Published on 20 June 2013 in the journal Current Biology, the work provides important insights into the evolution of ecological communities at a time when certain are being disrupted by climate change and the arrival of invasive species.

In ecology, the present paradigm considers that kinship relations between species determine the identity of the partners with which the species interact: the more closely related the species, the more chance they have of interacting with the same partners. Thus, according to this view, two closely related species should share the same predators and the same preys. Recent work carried out by a team of researchers from CNRS, the Mus?um National d'Histoire Naturelle and Exeter University shows that this is not necessarily the case. For the first time, the scientists have shown that although kinship between species effectively determines what feeds on species, it is competition for resources and not degree of kinship that determines what species feed on.

To arrive at this conclusion, they made a series of observations over a ten-year period in a meadow in the south east of England. These observations, carried out at an extraordinary level of detail, made it possible to establish the interactions between one hundred or so species situated on four trophic levels: plants (23 species), aphids that feed on these plants (25 species), wasps that lay their eggs in the bodies of the aphids (22 species), and other wasps that lay their eggs in the larvae of the preceding wasps inside aphids (26 species).

The researchers have shown that two closely related species of aphid, for example, are generally the prey of the same species of wasp. It is thus the kinship of species that determines the identity of their predators. On the other hand, these two closely related species of aphid do not necessarily feed on the same plants. Going up the food chain, the scientists observed that there was little chance that the most closely related wasps feed on the same species of aphid. This is explained by the fact that under the pressure of competition for food sources, closely related species diversify what they feed on, which has the effect of reducing competition. It was possible to reach this conclusion thanks to the level of detail of the observations made, enabling dynamics to be revealed at a very local scale.

At a time when global warming is creating an imbalance in communities and when numerous species are invading ecosystems to which they were previously alien, these conclusions need to be taken into account if it is wished to predict the new interactions that will result from such changes. In fact, these results show that the resources consumed by a species joining a community cannot be predicted by its kinship relations with those species already present.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/yZyIR8b4HWQ/130621104336.htm

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Lifetime takes liberties with Jodi Arias movie

TV

10 hours ago

The Jodi Arias murder trial was must-watch TV for five months this year because it had everything: young beautiful people; sex, lies, photos and audiotapes; religious obstacles; and a particularly heinous tragic ending.

A month after a jury could not decide unanimously if the convicted murderer should be sentenced to death, Lifetime taking the story of Travis Alexander?s brutal death to the small screen. ?Jodi Arias: Dirty Little Secret,? a title inspired by Arias? lawyer?s opening argument, premieres Saturday at 8 p.m. The two-hour film starring Tania Raymonde (?Lost?) as Arias and Jesse Lee Soffer (?The Mob Doctor?) as Alexander covers their turbulent and brief relationship more than it does the courtroom drama.

Arias, 32, spent 18 days on the witness stand, where she shared sordid details of every intimate relationship she?s been in as well as her time with Alexander. From her favorite drinks and snacks to her many trips with Alexander to their dirty talk and Tootsie Pops and Pop Rocks trysts, Arias left nothing out?except for a plausible explanation for why she killed a man she said she wanted to marry. Along the way, we heard all the lies Arias told the police, media and anyone who would listen before, during, and after the murder. Then she told some more to the jury.

If there was one story that did not need embellishing, it was this one. But "Dirty Little Secret" co-writers Richard Blaney and Gregory Small do take some creative licenses and fill in a few blanks the trial did not cover. What's real and what's not? Here's your guide to five of the larger departures. Spoiler alert!

1.Las Vegas, 2006

TRIALFACT: Arias and Alexander met in Sin City at the first Prepaid Legal Services convention she attended. She testified that he made a beeline to introduce himself at a mixer and later invited her to a dinner for executives as his guest. Because he was so ?attentive,? she said she had to tell him that she lived with her boyfriend and was ?monogamous.?

FILMFICTION: As Alexander gives a speech at a conference about ?putting a bull's-eye? on what you want and not letting anything get in the way, Arias is in the audience taking in every syllable. When he finishes and retreats to the men?s room, she follows him inside. ?I just want you to know that I think you?re amazing,? she says as she barges in and he?s standing at the urinal. Could Arias have been nutty enough to introduce herself to Alexander this way? Perhaps if she had, Alexander would have stayed clear of her.

2.Sexual Encounter No. 1

FACT: After the Las Vegas conference, Arias went home to Palm Desert, Calif., and broke up with her boyfriend. Four days later, she and Alexander met at a friend?s house in Temecula, Calif., where he snuck into her room in the middle of the night and gave her oral sex, she testified. She removed his Mormon temple garments and returned the favor. ?There was no conversation,? she testified. ?I thought there was going to be, but there wasn?t. We sat down and started passionately kissing?I was apprehensive but I was going with it. I didn?t want to tell him no.?

FICTION: During a very awkward conversation full of cheesy sexual innuendos, Arias comes on to Alexander and invites herself to his hotel room to ?drink coffee.? Alexander responds by giving her a little pep talk about why she blows him away and he must refuse. The next night, however, Alexander drinks his coffee. Black.

3.Alexander?s best friends warn him to break up with Arias

FACT: Although Chris Hughes, Alexander?s best friend, was not asked about this incident when he testified, he and his wife appeared regularly on HLN during the trial and told the story of the night Arias scared them to the point they asked her never to return to their house again. While Arias was supposed to be sleeping in the middle of the night, they had a talk with Alexander in their bedroom about their concerns about her bizarre and possessive behavior. Sky Hughes said she felt a bad vibe and told Alexander to open the door. Arias, who had been eavesdropping, was standing there and gave them a ?creepy? look that frightened them enough to tell her to stay away.

FICTION: Sitting by Alexander?s pool, the Hughes talk to Alexander about Arias? obsessive behavior. ?We don?t like her for you.? Alexander responds by saying they don?t need to worry because he?s not in it for the long-term. Arias opens the door and startles them. She and Alexander then get into a fight. ?You think I?m gonna be your booty call forever? If so, man up and tell me,? she begs. Alexander breaks up with her. But it doesn?t end there.

4.The Day of the Murder

FACT: In April 2008, Arias packed up her things and moved to Yreka, Calif., to live with her grandparents. On June 4, 2008, while supposedly en route to Utah on Prepaid Legal business, Arias drove 1000 miles to Alexander?s home in Mesa, Arizona, arriving around 4 a.m. Thirteen hours later, she slashed his throat, stabbed him 28 other times and shot him once in the head and then drove to Utah where she made out with another man.

FICTION: At one point after their break-up, Arias is shown in Yreka, Calif. at her grandparents? house, holding her grandfather?s gun. But then Arias shows up at Alexander?s Arizona house around midnight on June 4, 2008 and tells him she is there to say goodbye because she is moving to Yreka. After some weird talk about how easy she is to be with, Alexander asks her if she wants to spend the night.

5.Travis Alexander?s Death

FACT: We will never know exactly why Arias killed Alexander unless she decides to fess up. She said their fight started when she accidentally dropped the camera after they?d spent the afternoon having sex and photographing one another. The prosecution argued it was all a pre-meditated set-up as Arias was in a jealous rage because he was going to Cancun, Mexico, with another woman. If Arias couldn?t have him, nobody could, the prosecution argued.

FICTION: A text from Katie (his new girlfriend) asking Alexander to meet to talk sends Arias into a rage as Alexander begins to shower. Angrily, Arias directs Alexander to pose for pictures in the shower until she gets him into the vulnerable position she is seeking. Within minutes, his life is over as she surprises him with the knife and later shoots him.

Our Verdict

Raymonde does an admirable job of channeling Arias' crazy-behind-the-eyes behavior trial followers heard described nightly on HLN as well as her insecurities. But Soffer doesn't do justice to Alexander's charisma and swagger, so it's hard to buy her obsession with him. The movie probably would have benefitted from some distance from the irresistible trial. Too much of this sad saga is engrained in our minds.

Source: http://www.today.com/entertainment/true-or-false-lifetime-takes-liberties-jodi-arias-movie-6C10345062

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Edward Snowden Charged With Espionage Over NSA Leaks

WASHINGTON, June 21 (Reuters) - The U.S. government has filed sealed criminal charges against former National Security Agency contractor Edward Snowden, who admitted leaking secrets about classified U.S. surveillance programs, U.S. sources said on Friday.

A U.S. Justice Department official, speaking on condition of anonymity, said a criminal complaint had been filed against Snowden, who disclosed documents detailing U.S. telephone and internet surveillance efforts.

Another U.S. source, also speaking on condition of anonymity, said the United States was preparing to seek Snowden's extradition from Hong Kong, where he is believed to be in hiding.

Earlier, the Washington Post reported that U.S. prosecutors have filed a sealed criminal complaint charging Snowden with espionage, theft and conversion of government property. The Post also reported that the United States has asked Hong Kong to detain Snowden on a provisional arrest warrant.

The criminal complaint was filed in the Eastern District of Virginia, where Snowden's former employer, Booz Allen Hamilton, is located, the Post reported.

Documents leaked by Snowden revealed that U.S. security services had monitored data about phone calls from Verizon and Internet data from large companies such as Google and Facebook as part of counterterrorism efforts.

U.S. federal prosecutors, by filing a criminal complaint, lay claim to a legal basis to make the request of the authorities in Hong Kong, the Post reported. The prosecutors now have 60 days to file an indictment and can then take steps to secure Snowden's extradition from Hong Kong for a criminal trial in the United States, the newspaper reported.

Snowden would be able to challenge the U.S. request for his extradition in court in Hong Kong, the Post reported.

The newspaper noted the U.S. extradition treaty with Hong Kong has an exception for political offenses, and that espionage has been viewed as a political offense.

An Icelandic businessman linked to the anti-secrecy group WikiLeaks said on Thursday he had readied a private plane in China to fly Snowden to Iceland if Iceland's government would grant asylum.

Iceland refused on Friday to say whether it would grant asylum to Snowden. (Reporting by Mark Hosenball and Tabassum Zakaria; Editing by Jim Loney and Will Dunham)

Also on HuffPost:

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Source: http://www.huffingtonpost.com/2013/06/21/edward-snowden-charged_n_3480984.html

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Reserved: 'Sopranos' diner saves Tony a seat

Celebs

16 hours ago

In 2007, James Gandolfini made a certain restaurant table at Holsten's Brookdale Confectionery in Bloomfield, N.J., famous when he sat there in his last-ever scene as Tony Soprano in HBO's finale of "The Sopranos." And for a few days as fans and family mourn Gandolfini's untimely death Wednesday, that table will remain marked off, held empty with a "Reserved" sign in the late actor's honor.

Image: Holsten's Brookdale Confectionery

Julio Cortez / AP

Holsten's Brookdale Confectionery, where the final scenes of "The Sopranos" were filmed.

"We have a 'Reserved' sign that we put on that table for when we get tours from Manhattan," co-owner Chris Carley told TODAY.com. "It closes off the table so tourists can take pictures. I just decided to close down the table for the next four or five days so people can come in and take pictures. Some have even left bouquets of flowers."

Anyone who wants proof that Gandolfini, who played Tony Soprano on the series for its six-season run, is a beloved figure only needs to step foot in Holsten's, an old-fashioned diner which has been open since 1939: Fans have been flocking in ever since his death was announced. On Wednesday, Carley estimates the eatery saw 40 percent more customers than usual, and he expected those numbers to remain high for some time.

Image: Soprano booth

Julio Cortez / AP

Chris Carley, owner of Holsten's, where the last show of the HBO series "The Sopranos" was filmed, moves a jukebox to display a sign reading "this booth is reserved for the Soprano Family."

On Wednesday night, he explained, the tables were full of customers talking about the show, about Tony Soprano, about Gandolfini. "It was uplifting in a sense," he said, "but still a sad moment -- you could see people were shaken by his death."

So was Carley, who only learned about it when a news outlet called him on Wednesday. "I was shocked into silence," he said.

He'd met Gandolfini when the show took over the restaurant in 2007 for those scenes, and was already a big fan of the series. "James Gandolfini was a real gentleman," he told TODAY. "When they were filming or rehearsing he was in character and you didn't bother him, but with the cameras off he'd step outside and light a cigar and joke with the crew and people. He took lots of pictures and signed all kinds of things for us." (Many photos now hang in the restaurant.)

Carley said he had some inkling that the show's ending would be memorable from the moment the film crew showed up. "I was like, people are going to remember this always," he said. "(Show creator) David Chase made it with an ending that people would talk about forever."

That said, he's amazed that people think he knows more about the ending (warning: mild cursing) than what actually aired. "People still ask me years later if I know what happened when (the screen) went black," he said. "I don't know! But they're still asking that question."

Some of his fondest memories of the visit, however, unsurprisingly revolve around food. For one thing, Gandolfini was truly a big fan of the onion rings -- they weren't just a prop. And then, late one night on the second night of filming, Gandolfini sprung for sushi -- not made at the restaurant -- for everyone.

"So there we were, eating sushi at 1 in the morning," says Carley. "He really was a nice man. Really nice."

Source: http://www.today.com/entertainment/reserved-diner-saves-seat-tribute-late-sopranos-star-6C10394818

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Why our prehistoric, parasitic 'jumping' genes don't send us into meltdown

June 20, 2013 ? The study reveals for the first time how the movement and duplication of segments of DNA known as transposons, is regulated. This prevents a genomic meltdown, and instead enables transposons to live in harmony with their hosts -- including humans.

Transposons were discovered in the 1940s by Barbara McClintock, who was rewarded in 1983 with the Nobel Prize for Physiology or Medicine. Ancient relics of these 'jumping genes', as they are sometimes called, make up 50 per cent of the DNA in humans. They are characterised as 'jumping' because they can change their position within the genome, thereby creating or reversing mutations. This process, known as DNA transposition, plays a critical role in creating genetic diversity and enabling species to adapt and evolve.

Transposons don't just jump from one location to another; they usually leave behind a copy of themselves at their original location. Left unchecked, this would lead to an exponential increase in their numbers. Exponential growth is always unsustainable, and in the case of transposons they would quickly kill their host.

Because this doesn't happen, clearly some form of regulation is taking place within the genome. For a long time, scientists have understood that an enzyme called transposase, which is critical to the whole transposition process, also apparently brings it under control.

How this actually occurs has, however, remained a mystery -- until now. For the first time, the new study, carried out by researchers at The University of Nottingham, The University of Cambridge and the Fred Hutchinson Cancer Centre in Seattle, successfully identified the mechanism through which DNA transposition is regulated.

Ronald Chalmers, Professor of Molecular and Cellular Biology at The University of Nottingham, said "A successful parasite is not fatal to its host but lives in harmony with it. It was while doing some biochemistry research that we stumbled upon the solution. It was so simple that initially it was hard to appreciate the brilliance of it. It was a real forehead-slapping moment and seems a wonder that it was not discovered years ago."

"In theory, transposons should just keep on increasing and kill us," said Dr Karen Lipkow, from the Department of Biochemistry, University of Cambridge, and the Babraham Institute. "What we have identified is an ingenious mechanism which prevents this from happening by conferring autoregulation. The process is very simple, but it explains so much."

A biochemical analysis of a mariner-family transposon from the human genome gave the first indication of the mechanism. The team then expanded this concept using a computer model, which allowed them to simulate events on an evolutionary timescale, before carrying out further biochemical experiments.

Transposase is important to the genetic 'jump' of transposons because it catalyses the whole process. It does this by binding to specific sites at either end of the transposon, and then bringing these together to create a nucleoprotein complex that effectively performs a molecular 'cut and paste, moving the transposon DNA to a new location.

The study found that once a certain number of copies of the transposon have been created, the transposase concentration rises above a critical threshold and begins to saturate its own binding sites. As clusters of the enzyme compete for binding, they interfere with each other and the transposition process is halted.

Using the computer model, the researchers were able to show that doubling the transposon copy number halves the rate of transposition. This is a crucial insight as it reveals an underlying self-righting mechanism for homeostasis. In a nutshell, it makes the transposon's genetic burden on the host constant and predictable, and brings an uneasy harmony to the relationship.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/health_medicine/genes/~3/bigU6qmoAs0/130620132221.htm

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Are Ugly People Treated Badly at Work?

A new Michigan State University study has uncovered an ugly truth about the American workplace: looks do matter.

Researchers found that employees who are considered unattractive are more likely to be belittled and bullied in the workplace. While plenty of research has found that attractive students tend to be more popular in school, the study is the first to link the level of attractiveness to cruelty in the office.

"Although we like to think we're professional and mature in the workplace, it can be just like high school in many ways," said Brent Scott, one of the study's lead investigators.

[Want a Promotion? Change Your Name]

As part of the study, researchers surveyed 114 workers at a health care facility in the southeastern United States about how often their co-workers engaged in cruel behavior toward them, which included saying hurtful things, acting rudely and making fun of them. Additionally, researchers had people who didn't know the survey participants judge their attractiveness from digital photos.

They found that unattractive workers were treated much more harshly than attractive employees even when other key factors were taken into account, including age, gender and how long they had worked at the health care facility.

The researchers also collected information on how agreeable or friendly the workers were, based on questionnaires completed by their spouses, partners or good friends. The results show that disagreeable workers, like unattractive employees, were treated more harshly than their co-workers.

"Our findings revealed that both personality and appearance matter," Scott said.

Based on the study, managers should have a better idea of which employees are potential targets in order to prevent such behavior from occurring, or to be able to provide counseling and social support if prevention attempts fail, Scott said.

The study's results were recently published in the research journal Human Performance.

Follow Chad Brooks on Twitter @cbrooks76 or BusinessNewsDaily @BNDarticles. We're also on Facebook & Google+. This story originally published on BusinessNewsDaily.

Copyright 2013 LiveScience, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://news.yahoo.com/ugly-people-treated-badly-153951569.html

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Advantages and Disadvantages of Unsecured Personal Loan | Eur ...

No matter how you have planned your monthly budget, sometimes things do get out of control. Unpredicted injury or accident may topple your world upside down financially. You need extra money, fast and east. What should you do? Where can you get the money?

If you have not yet heard it, there is something called personal loan. This loan is a short-term loan designed for anyone who needs quick cash. Personal loan is a perfect option for someone who needs quick cash because it usually comes as unsecured loan. Unsecured loan means you do not need to mortgage your house or any valuable possession against the loan. This is really helpful for someone who does not have assets.

As the result of the unsecured nature of the loan, the process comes really quick. There is less paperwork to be done so approval comes fast. So you do not need to wait for long to get your cash to cover your sudden expenses.

However, because the lender has taken a big risk in lending money without collateral, the interest rate is also considerably higher. Furthermore, should there be any non-repayment of the loan, the lender will be likely take the case to the court. So, are you interested?

Source: http://eurasiapolicy.net/advantages-and-disadvantages-of-unsecured-personal-loan/

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Sunday, June 9, 2013

Obama defends phone data collection program

WASHINGTON (AP) ? President Barack Obama vigorously defended sweeping secret surveillance into America's phone records and foreigners' Internet use, declaring "we have to make choices as a society."

Taking questions Friday from reporters at a health care event in San Jose, Calif., Obama said, "It's important to recognize that you can't have 100 percent security and also then have 100 percent privacy and zero inconvenience."

It was revealed late Wednesday that the National Security Agency has been collecting the phone records of hundreds of millions of U.S. phone customers. The leaked document first reported by the Guardian newspaper gave the NSA authority to collect from all of Verizon's land and mobile customers, but intelligence experts said the program swept up the records of other phone companies too. Another secret program revealed Thursday scours the Internet usage of foreign nationals overseas who use any of nine U.S.-based internet providers such as Microsoft and Google.

In his first comments since the programs were publicly revealed this week, Obama said safeguards are in place.

"They help us prevent terrorist attacks," Obama said. He said he has concluded that prevention is worth the "modest encroachments on privacy."

Obama said he came into office with a "healthy skepticism" of the program and increased some of the "safeguards" on the programs. He said Congress and federal judges have oversight on the program, and a judge would have to approve monitoring of the content of a call and it's not a "program run amok."

"Nobody is listening to your telephone calls," he said. "That's not what this program's about."

He said government officials are "''looking at phone numbers and durations of calls."

"They are not looking at people's names and they are not looking at content. But by sifting through this so-called metadata they might identify potential leads of people who might engage in terrorism," Obama said.

The president's remarks followed an unusual late-night statement Thursday from Director of National Intelligence James Clapper, who denounced the leaks of highly classified documents that revealed the programs and warned that America's security will suffer. He called the disclosure of a program that targets foreigners' Internet use "reprehensible," and said the leak of another program that lets the government collect Americans' phone records would change America's enemies behavior and make it harder to understand their intentions.

"The unauthorized disclosure of a top secret U.S. court document threatens potentially long-lasting and irreversible harm to our ability to identify and respond to the many threats facing our nation," Clapper said of the phone-tracking program.

At the same time, Clapper offered new information about the secret programs.

"I believe it is important for the American people to understand the limits of this targeted counterterrorism program and the principles that govern its use," he said.

Among the previously classified information about the phone records collection that Clapper revealed:

?The program is conducted under authority granted by Congress and is authorized by the Foreign intelligence Surveillance Court which determines the legality of the program.

?The government is prohibited from "indiscriminately sifting" through the data acquired. It can only be reviewed "when there is a reasonable suspicion, based on specific facts, that the particular basis for the query is associated with a foreign terrorist organization." He also said only counterterrorism personnel trained in the program may access the records.

?The information acquired is overseen by the Justice Department and the FISA court. Only a very small fraction of the records are ever reviewed, he said.

?The program is reviewed every 90 days.

The Obama administration's defense of the two programs came as members of Congress were vowing to change a program they voted to authorize and exasperated civil liberties advocates were crying foul, questioning how Obama, a former constitutional scholar who sought privacy protections as a U.S. senator, could embrace policies aligned with President George W. Bush, whose approach to national security he had vowed to leave behind.

Clapper alleged that articles about the Internet program "contain numerous inaccuracies." He did not specify.

Senior administration officials defended the programs as critical tools and said the intelligence they yield is among the most valuable data the U.S. collects. Clapper said the Internet program, known as PRISM, can't be used to intentionally target any Americans or anyone in the U.S, and that data accidentally collected about Americans is kept to a minimum.

Leaders of Congress' intelligence panels dismissed the furor over what they said was standard three-month renewal to a program that's operated for seven years. Committee leaders also said the program recently helped thwart what would have been a significant domestic terrorist attack.

The NSA must collect the phone data in broad swaths, Clapper said, because collecting it narrowly would make it harder to identify terrorism-related communications.

But the widespread notion of a government dragnet ensnaring terror suspects and innocent Americans pushed typical political foes to stand together against Obama as he enforces what many likened to Bush-era policies.

"When law-abiding Americans make phone calls, who they call, when they call and where they call from is private information," said Sen. Ron Wyden, D-Ore. "As a result of the disclosures that came to light today, now we're going to have a real debate in the Congress and the country and that's long overdue."

Officials from Clapper's office, the Justice Department, NSA and FBI briefed 27 senators for some two hours late Thursday at a hurriedly convened session prompted by severe criticism and uncertainty about the program.

"The National Security Agency's seizure and surveillance of virtually all of Verizon's phone customers is an astounding assault on the Constitution," said Sen. Rand Paul, R-Ky. "After revelations that the Internal Revenue Service targeted political dissidents and the Department of Justice seized reporters' phone records, it would appear that this administration has now sunk to a new low."

Paul said he will introduce legislation ensuring that the Fourth Amendment rights against unreasonable searches and seizures apply to government search of phone records.

The surveillance powers are granted under the post-9/11 Patriot Act, which was renewed in 2006 and again in 2011. Republicans who usually don't miss a chance to criticize the administration offered full support.

"I'm a Verizon customer. I could care less if they're looking at my phone records. ... If you're not getting a call from a terrorist organization, you got nothing to worry about," said Sen. Lindsey Graham, R-S.C.

The disclosures come at a particularly inopportune time for Obama. His administration already faces questions over the Internal Revenue Service's improper targeting of conservative groups, the seizure of journalists' phone records in an investigation into who leaked information to the media, and the handling of the terrorist attack in Libya that left four Americans dead.

At a minimum, it's all a distraction as the president tries to tackle big issues like immigration reform and taxes. And it could serve to erode trust in Obama as he tries to advance his second-term agenda and cement his presidential legacy.

The Verizon order, granted by the secret FISA court on April 25 and good until July 19, requires information on the phone numbers of both parties on a call, as well as call time and duration, and unique identifiers, The Guardian reported.

It does not authorize snooping into the content of phone calls. But with millions of phone records in hand, the NSA's computers can analyze them for patterns, spot unusual behavior and identify "communities of interest" ? networks of people in contact with targets or suspicious phone numbers overseas.

Once the government has zeroed in on numbers that it believes are tied to terrorism or foreign governments, it can go back to the court with a wiretap request. That allows the government to monitor the calls in real time, record them and store them indefinitely.

House Intelligence Chairman Mike Rogers, R-Mich., said that once the data has been collected, officials still must follow "a court-approved method and a series of checks and balances to even make the query on a particular number."

The steps are shrouded in government secrecy, which some lawmakers say should change.

"The American public can't be kept in the dark about the basic architecture of the programs designed to protect them," said Sen. Al Franken, D-Minn.

Verizon Executive Vice President and General Counsel Randy Milch, in a blog post, said the company can't comment on any such court order. He said Verizon take steps to protect customers' privacy, but must comply with court orders. Verizon listed 121 million customers in its first-quarter earnings report this April.

The NSA is sensitive to perceptions that it might be spying on Americans. It distributes a brochure that pledges the agency "is unwavering in its respect for U.S. laws and Americans' civil liberties ? and its commitment to accountability."

Emerging from the briefing, Sen. Dianne Feinstein, D-Calif., chairwoman of the Intelligence committee, said the government must gather intelligence to prevent plots and keep Americans alive. "That's the goal. If we can do it another way, we're looking to do it another way. We'd like to."

She said Congress is always open to changes, "but that doesn't mean there will be any."

___

Associated Press writers Donna Cassata, Matt Apuzzo, Adam Goldman, Nancy Benac, Lara Jakes, David Espo and Jack Gillum in Washington and Michael Liedtke in San Francisco contributed to this report.

Source: http://news.yahoo.com/obama-defends-phone-data-collection-program-165629163.html

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