HSBC Introduce New Security For Online Banking | Bernews.com

HSBC Bermuda is introducing a new security device to give Personal Internet Banking customers an extra layer of protection from fraudsters. The security device creates a unique security code every time the customer logs in to Personal Internet Banking.

If you received a letter from HSBC Bermuda notifying you that a security device is coming, you will receive it in the mail sometime over the next few months. The devices will be mailed in alphabetical order and once received, customers will have 30 days to activate the device and avoid interruption to online banking.

Customers travelling for extended periods of time are welcome to come into the Harbourview or Church Street branch and collect a security device. Customers that haven?t received their device will still be able to log on to Personal Internet Banking per their usual process.

Activation can be completed in a few steps once you logon to Personal Internet Banking.

Miguel Do Couto, Head of Direct and Contact Centres stated, ?Any change to the way customers access their accounts is going to take a while to get used to, but this small extra step delivers quite an increase in security for our customers.

?The security device works by having one piece of information that remains the same, such as your user name, and one that constantly changes, your unique security code. The code is not in sequence, so it can?t be guessed, and the number expires after 30 seconds so it can?t be saved and used at a later date.

?The security device is not linked to the client until received and activated, so mailed devices do not create a security risk. Should you need access to your accounts and do not have your security device with you, you can still log onto your account with your existing logon details and perform some day-to-day transactions such as checking your balance or paying bills.?

Customers seeking assistance with activating or using their new HSBC Security Device are welcome to stop by HSBC Bermuda Harbourview Centre and Church Street banking branches between 11:00 am and 2:30 pm for personal assistance.

Read More About: Bermuda banks, HSBC Bank, technology

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Source: http://bernews.com/2013/04/hsbc-introduce-new-security-for-online-banking/

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Obama hints at possible military action in Syria

WASHINGTON (AP) ? President Barack Obama is signaling that he would consider U.S. military action against Syria if his administration obtains "hard, effective evidence" of chemical weapons use by the Assad government.

But Obama made clear he would prefer to have the backing of the international community before escalating American involvement in the Syria's fierce civil war.

In a White House news conference Tuesday, Obama appealed for patience, saying he still needs more conclusive evidence about how and when chemical weapons detected by U.S. intelligence agencies were used. But if those questions get answered, Obama says he would consider options the Pentagon and intelligence community have readied for him in the event Syria crossed his chemical weapons "red line."

Source: http://news.yahoo.com/obama-hints-possible-military-action-syria-205444077.html

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Ex-SEAL Gomez wins GOP US Senate primary in Mass.

BOSTON (AP) ? Businessman and former Navy SEAL Gabriel Gomez on Tuesday won the Republican nomination to run in the state's special election for the U.S. Senate seat previously held by John Kerry.

Unofficial returns showed Gomez defeating former U.S. Attorney Michael Sullivan and state Rep. Daniel Winslow.

In the June 25 special election, Gomez will face the winner of the Democratic primary between U.S. Reps. Stephen Lynch and Edward Markey. Results from that contest hadn't been tallied yet when Gomez won.

Gomez is a newcomer to politics. He's the son of Colombian immigrants and learned English in kindergarten. He became a Navy pilot and SEAL, earned an MBA at Harvard and launched a private equity career.

Kerry resigned from the Senate to become U.S. secretary of state.

The special election will be the state's second for the U.S. Senate in four years. Turnout was light for the primary, which was overshadowed by the deadly Boston Marathon bombing.

Even before the April 15 bombing, the campaign had failed to capture the attention of voters compared with the 2010 special election following the death of longtime Democratic Sen. Edward Kennedy. Former Republican Sen. Scott Brown won the seat, surprising Democrats, but was ousted last year in another high-profile race by Democratic challenger Elizabeth Warren.

A win would help Senate Democrats maintain a caucus edge of 55-45 as they press forward on major issues including immigration and gun control.

The Boston Marathon bombing, which killed three people and injured hundreds forced the candidates to temporarily suspend their campaigns. The bombing also brought national security and terrorism issues to the fore in a race that was expected to turn on questions of the economy, gun control, taxes, immigration and abortion.

In the Democratic primary, Markey staked out more liberal positions against Lynch, a former ironworker who tried to appeal to the party's working- and middle-class base.

Lynch had to explain why he was the only member of the state's House delegation to vote against President Barack Obama's 2010 health care law, while Markey, who won his first elected office while in law school, fended off efforts to portray him as a Washington insider.

Markey was better-funded, having raised $4.8 million through the end of the last reporting period, compared with $1.5 million for Lynch. He also benefited from outside spending. Of the more than $2.2 million spent by outside groups, nearly 84 percent went to Markey, an Associated Press review of Federal Election Commission reports found.

On the GOP side, Gomez tried to portray himself as the new face of the Republican Party. The son of Colombian immigrants, he learned English in kindergarten, then went on to become a Navy pilot and SEAL, earn an MBA at Harvard and launch a private equity career.

Sullivan pointed to his national security resume, which includes helping investigate the Sept. 11, 2001, terror attacks and the failed attempt to blow up an airliner using shoe bombs.

Winslow said he was the only candidate with experience in all three branches of the government. After 12 years as a private attorney, he was appointed to a judgeship on the state's district court in 1995. He served eight years and left to join former Gov. Mitt Romney's administration as chief legal counsel.

An independent candidate, Richard Heos, of Woburn, will be on the ballot with the Democratic and Republican primary winners.

Democratic Gov. Deval Patrick named his former chief of staff, William "Mo" Cowan, to fill Kerry's seat on an interim basis until after the special election.

Source: http://news.yahoo.com/ex-seal-gomez-wins-gop-us-senate-primary-005717074.html

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Was Africa the motherland of dinosaur predecessors?

The ancestors of dinosaurs might have established themselves in present-day Tanzania and Zambia, suggest newly discovered fossils.

By Mai Ng?c Ch?u,?Contributor / April 30, 2013

People stand near an 26-foot replica of a Tyrannosaurus rex standing between the 9th green and the 10th tee at the Sunshine Coast resort course in south Queensland, Australia, in 2012.

Dennis Passa/AP/File

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Newly discovered fossils from 10 million years after the world's largest known extinction indicate that dinosaurs' ancestors might have taken hold in present-day Tanzania and Zambia, millions of years before the dinosaurs roamed the Earth, and much earlier than dinosaur relatives are seen in the fossil record elsewhere.?

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Earlier studies, mostly based on fossil records from Russia and South Africa, led scientists to think that dinosaur predecessors failed to survive after a mass extinction some some?252 million years ago,?which killed off 90 percent of Earth's species.?

"The fossil record from the Karoo of South Africa, for example, is a good representation of four-legged land animals across southern Pangea before the extinction," said Christian Sidor, a paleontologist at the University of Washington, in a press release. "But after the event, animals weren?t as uniformly and widely distributed as before. We had to go looking in some fairly unorthodox places.?

Sidor authored a recent study on dinosaurs' origins, published in?the Proceedings of the National Academy of Sciences.

Drawing upon fossils unearthed from Tanzania, Zambia, and Antarctica since 2003, and current fossil records, Sidor and his colleagues generated two profiles of animals living about five million years before and 10 million years after the mass extinction.

For example, Dicynodon, a four-legged creature with a body resembling that of a fat lizard and a head resembling a turtle's, dominated the southern region of supercontinent Pangea before the extinction event, an area that comprises present-day Africa, South America, Antarctica, Australia, and India.

After the mass extinction at the end of the Permian period, populations of Dicynodon, along with many other herbivores, decreased dramatically.

The changing climate allowed new creatures to emerge and thrive. Archosaurs were a?group of plant-eating reptiles whose living relatives are birds and crocodilians. In its news release, the National Science Foundation, one of the study's two sponsors, said scientists are interested in archosaurs?because they were believed to be the predecessors of dinosaur-related animals such as Asilisaurus, a dinosaur-like animal, and Nyasasaurus parringtoni, a dog-sized creature with a five-foot tail that may be the earliest dinosaur.

"Early archosaurs being found mainly in Tanzania is an example of how fragmented communities became after the extinction event,? Sidor said in the University of Washington press release.

These findings, according to the co-authors, suggested that "archosaur diversification was more intimately related to recovery from the end-Permian mass extinction than previously suspected.?

In an interview with?Discovery News,?co-author and geologist Sterling Nesbitt of the Field Museum of Natural History said "true dinosaurs first show up about 230 million years ago, from what is now Argentina. We think that dinosaurs first evolved in Gondwanaland ? including Africa, South America, India, Madagascar, Australia, Antarctica." ?

The study also revealed that before the extinction, 35 percent of four-legged species were found in two or more of the five areas studied, with some species' habitats stretching 1,600 miles (2,600 kilometers), encompassing the Tanzanian and South African basins.

Ten million years after the extinction, just seven percent of four-legged species were found in two or more regions, suggesting that?there was a geographical clustering of the animals.

"The expeditions by this team of researchers to little-explored Permian and Triassic aged depositional basins in Africa and Antarctica, which form part of the supercontinent Gondwana, has greatly enhanced our understanding of the distribution of land-living vertebrates that lived more than 200 million years ago,"?Bruce Rubidge, a dinosaur specialist at the University of Witwatersrand, told Discovery News.

Source: http://rss.csmonitor.com/~r/feeds/science/~3/YVJe9k5syfY/Was-Africa-the-motherland-of-dinosaur-predecessors

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FDA will investigate added caffeine in foods

	Essential News from The Associated Press

? ?Associated Press. All Rights Reserved.

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Black voter turnout up, but Dems can't take 'Obama effect' for granted

If you had any doubts, it?s now official: President Obama has blacks to thank for his reelection. It turns out that record levels of black voter turnout propelled Obama to victory in 2012. So much so that if blacks had voted at 2004 levels, we?d all be saluting a President Romney right now.

We think Obama has a few million thank you cards to sign.

That?s according to a new Associated Press-Brookings Institution analysis on 2012 election data that contains a few gems that both parties would be wise to examine.

RECOMMENDED: Election 2012: 12 reasons Obama won and Romney lost

Among the surprises: Latinos aren?t as lucrative, votes-wise, as they appear to be ? yet. And Democrats, who appeared to have cemented their role in 2012 as the minority party, shouldn?t get too comfortable.

Here are four lessons the 2012 election post-mortem taught us about the minority vote:

BLACK VOTERS CAN TURN OUT

Voter ID laws. High unemployment among blacks. Low rates of registration. Lack of transportation and access to polling stations.

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These were all supposed to keep blacks away from the polls last year, but they didn?t.

Not only did black voters turn out, their turnout levels surpassed that of whites and most minority groups, including Latinos and Asians, in last year?s elections.

Though we don?t have exact data on the 2012 election turnout breakdown just yet, 2008 turnout data represented the smallest gap on record between whites (66.1 percent turnout) and blacks (65.2 percent turnout). According to the AP-Brookings analysis, 2 million to 5 million fewer whites voted in 2012 than in 2008, erasing that narrow lead.

LATINOS STILL LAG

The same headlines that warned of plummeting black voter turnout in 2012 also trumpeted the so-called Latin sensation, which was supposed to see record levels of Latinos turn out at the polls.

They did, but not at the levels black voters turned out.

Consider this: While blacks make up about 13 percent of the population and 12 percent of the share of eligible voters, they represented 13 percent of the total 2012 votes cast, thereby ?outperforming? their share.

By contrast, Latinos make up 17 percent of the population but just 11 percent of eligible voters and 10 percent of total 2012 votes cast, somewhat underperforming for their share.

In fact, Latinos probably won?t surpass the share of eligible black voters until 2024, according to the AP-Brookings analysis.

Why the lower Latino rates?

Latinos may be growing fast, but they?re still a fairly young cohort, with more than one-third of Latinos (almost 35 percent) younger than the voting age of 18.

What?s more, many Latinos are not yet US citizens and therefore ineligible to vote. Nearly two-thirds of legal Mexican immigrants are not US citizens, according to a Pew Center analysis ? and that?s not even counting illegal and undocumented immigrants.

BUT THEIR DAY IS COMING

A proposed immigration bill in the Senate could see nearly 11 million immigrants currently here illegally become eligible for US citizenship ? and voting ? in as little as 13 years (the bill proposes a 13-year path to citizenship).

If that bill, or some iteration of it, passes, the total share of Latino voters may leap to 16 percent of the electorate by 2026. Under that same scenario, the share of eligible white voters could shrink to less than 64 percent, as the growing minority population edges out white population shares, according to the AP-Brookings report.

?The 2008 election was the first year when the minority vote was important to electing a U.S. president. By 2024, their vote will be essential to victory," William Frey, a demographer at the Brookings Institution said in the report. ?Democrats will be looking at a landslide going into 2028 if the new Hispanic voters continue to favor Democrats.?

BUT DEMOCRATS SHOULDN?T REST TOO EASY

Whatever you heard about the GOP?s minority problem, the rainbow coalition is not a sure bet for Democrats in 2016 or for future elections.

In fact, 2012 may have been an exceptional year. That?s because Romney was an exceptionally poor candidate for motivating white voters, let alone minorities, to the polls. And Obama was an exceptionally strong candidate for motivating minorities. That?s a scenario Democrats may not be able to replicate again soon.

?The 2012 turnout ? suggests ? there is an 'Obama effect' where people were motivated to support Barack Obama,? Andra Gillespie, a political science professor at Emory University, told the AP. ?But it also means that black turnout may not always be higher, if future races aren't as salient.?

Or, as GOP consultant Whit Ayres told the AP, ?It remains to be seen how successful Democrats are if you don't have Barack Obama at the top of the ticket.?

What?s more, the GOP is well aware of its ?minority problem? and working overtime to reverse it, starting with comprehensive immigration reform legislation that could make Latinos and Asians more receptive to the GOP in coming elections.

RECOMMENDED: Election 2012: 12 reasons Obama won and Romney lost

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Source: http://news.yahoo.com/black-voter-turnout-dems-cant-obama-effect-granted-200923567.html

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Howard delivers in Chooch's return

BOX SCORE

NEW YORK ? Ryan Howard started the day on the bench, but he ended it as a big difference-maker in the Phillies? 5-1 win over the New York Mets on Sunday afternoon.

Howard?s two-run, pinch-hit double in the top of the seventh snapped a 1-1 tie and helped give Cole Hamels his first win of the season.

The Phillies swept the three-game series by a combined score of 18-5. They are 12-14 heading into Monday?s off day.

Starting pitching report
Hamels (1-3) had an unusual start. His stuff was good enough to produce eight strikeouts in six innings, but he matched a career-high with six walks. Hamels has now walked 17 batters in 37 2/3 innings over six starts. He did not walk his 17th batter until his 12th start last season.

Despite the walks, Hamels got important outs when he needed them. He struck out the opposing pitcher, Jonathon Niese, to end the fourth with the bases loaded.

Niese suffered the loss. He was charged with three runs, only two of which were earned.

Bullpen report
Antonio Bastardo, Mike Adams and Jonathan Papelbon combined on three scoreless innings for the Phillies.

Scott Atchison gave up run-scoring hits to Howard and Chase Utley in the seventh.

At the plate
Howard did not start against the lefty Niese. Howard is 1 for 15 with seven strikeouts lifetime against Niese. But Howard came off the bench and made a huge contribution with a two-run, pinch-hit double in the top of the seventh. Howard?s double came with two outs and broke a 1-1 tie. Chase Utley then singled Howard home.

The three-run rally started with a two-out pinch-hit single by Laynce Nix, who is 7 for 13 as a pinch-hitter this season. Nix was given life in the at-bat when catcher John Buck was charged with a two-out error after dropping a foul pop up near the Phillies? dugout. Jimmy Rollins followed with a single on a nine-pitch at-bat to keep the inning going and set the table for Howard.

Phillies pinch-hitters are 13 for 44 with 13 RBIs this season.

Howard is hitting .351 (13 for 37) with three doubles, two homers and 11 RBIs in his last 10 games.

In the field
Buck?s error on Nix? foul pop in the seventh was a huge break that the Phils were able to cash in on.

Mets? third baseman David Wright made an error in the first inning, ending a 77-game errorless streak.

Ruiz returns
Carlos Ruiz was back in the lineup after serving a 25-game suspension (see story). He had a double.

Up next
The Phils are off on Monday. They open a two-game interleague series in Cleveland on Tuesday night.

Pitching matchups:
Tuesday night ? RH Roy Halladay (2-2, 5.08) vs. RH Zach McAllister (1-3, 3.50)

Wednesday night ? LH Cliff Lee (2-1, 3.03) pitches for the Phillies. The Indians have not named a starter.

Source: http://www.csnphilly.com/baseball-philadelphia-phillies/instant-replay-phillies-5-mets-1

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