Thursday, December 6, 2007

Mall shooter's suicide note: Now I'll be famous

OMAHA, Nebraska (CNN) -- A 19-year-old gunman who police said killed eight people and then himself at a Nebraska mall left a suicide note predicting the shootings would make him famous, his landlord said.

Police have identified the gunman as Robert A. Hawkins, 19, of Nebraska.

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Five other people were injured, and two of them were in critical condition, hospital officials said.
The shootings inside the Von Maur department store at the popular Westroads Mall in Omaha sent panicked holiday shoppers fleeing for cover.
"It was just so loud, and then it was silence," said witness Jennifer Kramer, who hid behind a clothing rack. "I was scared to death he'd be walking around looking for someone else."
Police identified the gunman as Robert A. Hawkins of Nebraska.
Chief Thomas Warren of the Omaha Police Department called the shooting "premeditated," but said it "appears to be very random and without provocation."
Debora Maruca Kovac, Hawkins' landlord, said she found the suicide note after getting a phone call from Hawkins about 1 p.m., just minutes before the shootings. Watch landlord describe phone call from shooter »
"He basically said how sorry he was for everything," Maruca Kovac said of the note. "He didn't want to be a burden to people and that he was a piece of s--- all of his life and that now he'd be famous."
She said Hawkins was a friend of her sons and "reminded me of a lost puppy that nobody wanted." He came to live with her about a year and a half ago, telling her he could not stay with his own family because of "some issues with his stepmother."
She described Hawkins as well-behaved, although "he had a lot of emotional problems, obviously."
The shootings began about 1:42 p.m. (2:42 p.m. ET).
Seven people were found dead at the scene by officers who arrived six minutes later; two others, a male and a female, died after being transported to Creighton University Medical Center, said Fire Chief Robert Dahlquist.
A Creighton spokeswoman said a second female underwent surgery and was in critical condition Wednesday afternoon.
Three other people were taken to the University of Nebraska Medical Center.
One, a 61-year-old man who sustained a chest wound after being shot in the armpit, had surgery and remained in critical condition in the intensive care unit Wednesday night, said hospital spokeswoman Maggie O'Brien.
The other two -- a 34-year-old man who was shot in the arm, and a 55-year-old man who fell and struck a clothing rack as he was trying to escape -- were treated and released, she said.
Warren said Hawkins was armed with an SKS assault rifle. His body, and the weapon, were found on the store's third floor, he said.
Don't Miss
Witnesses describe terrifying moments
I-Reporter captures scene at mall
I-Report: Were you at the mall? Share your story
KETV: Worst mass slaying in Nebraska history
Maruca Kovac told CNN that Hawkins left the house Wednesday about 11 a.m., and called the house about two hours later, sounding upset.
"He just said he wanted to thank me for everything I'd done for him ... and he was sorry," Maruca Kovac said. He told her he had gotten fired from his job at a McDonald's restaurant, she said.
"I said, 'Come home and we'll talk about it,' " she recounted. "He said, 'It's too late.' He said he'd left a note explaining everything."
Kramer told CNN she heard at least 25 shots. Watch witnesses describe the ordeal »
"I looked at my mom and said, 'We need to get out of here. Those are gunshots,' " Kramer said. "I just grabbed my mom and we ran to the back of the men's department and hid in some pants racks."
"He just kept firing," he said. She said she called 911 on her cell phone, whispering into it out of fear of being heard. A dispatcher told her other calls had been received and help was on the way, but she said it seemed to take "a long time" for them to arrive.
She said as she was being escorted out by police, she saw a man lying injured by the escalator where she had been previously.
Mall employee Charissa Tatoon said a man by an escalator near her was heard saying he was calling 911. See a map of where the shooting took place »
"Immediately after that, the shooter shot down from the third floor and shot him on the second floor," she said.
"All of us were slightly confused because we didn't know what it was," Tatoon said. "Immediately after that, there was a series of maybe 20 to 25 more shots up on the third floor."
Warren, the police chief, said the victims included five females and three males, not including Hawkins. The shooting appeared to be contained in the Von Maur store, he said.
"We believe there was one shooter, and one shooter only," he said. Watch police talk about the shooting »
Maruca Kovac said she was unaware Hawkins had any guns, although he knew a lot about them, as did his stepfather.
"When he first came to live with us, he was in the fetal position and chewed his fingernails all the time," she said. But she said she thought he was improving, as he had gotten a job, a haircut and a girlfriend.
However, she said Hawkins and his girlfriend had broken up in the last couple of weeks, and he had taken it hard.
She said late Wednesday that authorities were searching her house for evidence.
"My kids are devastated," she said. "We're all in shock."
Hawkins' former school district released a photo of a youth with glasses and long black hair. A spokeswoman said he attended Papillion-La Vista High School until he withdrew in March 2006.
President Bush had visited Omaha Wednesday before the shooting.
"The president is deeply saddened by the shootings in Omaha," White House press secretary Dana Perino said. "His thoughts and prayers are with the victims and their families."
The shooting was at least the fourth at a mall or shopping center so far this year, following incidents in Salt Lake City, Utah; Kansas City, Missouri; and Douglasville, Georgia. E-mail to a friend
CNN's Kevin Bohn contributed to this report.



Monday, December 3, 2007

Push for faster net 'premature'


The push for next-generation broadband could be premature, according to some senior industry figures.
Both regulator Ofcom and BT have expressed doubts about whether the time is ripe for rolling out what would be expensive fibre optic networks.
"We need significant evidence that such a network is required and I don't think it exists yet," said Peter Philips, Ofcom's head of strategy.
Network firms have also questioned if a faster net would make economic sense.
"The question is how to make money and I'm not sure the answer is good," said Justin Paul, a development manager at telecoms equipment firm Alcatel-Lucent.

Broadband speeds around the world
There is also uncertainty over whether people would be willing to pay more for faster broadband.
Super-fast broadband capable of delivering speeds of up to 100Mbps (megabits per second) has worked their way up the political agenda in recent months.
Competitiveness minister Stephen Timms recently hosted a summit on the issue, while MPs recently held an eForum to debate the need for next-generation networks and regulator Ofcom has launched its own consultation.
Fibre networks capable of speeds of up to 100Mbps are already commonplace in Japan and South Korea and are starting to be rolled out in countries such as the US, France and Germany.
We are not facing large numbers of people today who are constrained by their bandwidth,
Peter McCarthy-Ward, BT
The Broadband Stakeholder Group (BSG) kick-started the debate in the spring of this year with a major report looking at how and why Britain would need next-generation broadband network.
BSG chief executive Antony Walker said it was not yet time to panic.
"There is lots of competition and innovation in the broadband market and [it is not clear that] current bandwidth is a problem. We don't need to make any rash moves but the time is ripe for some collective thinking," he said.
You can shoot someone so much quicker at 50 megabits
Howard Watson, Virgin
Regulator Ofcom is also heavily involved in the debate and is aware that for any company to commit to a multi-billion pound investment in a new network it would require some assurances from the government that it would be able to recoup its money.
While acknowledging that a fibre network "could be one of the most fundamental changes to our communications infrastructure in decades," Peter Philips, head of strategy and market development at Ofcom, is not entirely convinced that it is ready to come out of the starting blocks just yet.
"We need significant evidence that such a network is required and I don't think it exists yet," he said.
"We have to ask ourselves what would be the disadvantage if your investment comes later than others. We would be able to learn from the experiences in other countries," he added.
Commercial incentive
Most industry watchers are aware that the obvious candidate for any network upgrade is the custodian of the current ADSL broadband network, BT.

What will deliver next-generation broadband?
BT is planning to up the speeds of ADSL, with a new technology offering speeds of up to 24Mbps and The roll-out of so-called ADSL2+ will begin early next year and by 2011 all of BT telephone exchanges will have been upgraded.
It is also considering the business case of rolling out VDSL - a technology that offer fibre as far as the street cabinets. This would offer speeds of up to 50Mbps.
As far as fibre to the home goes - the real gold standard in the network world - BT has only committed to offering this technology (which offers speeds of up to 100Mbps) on new housing estates, such as Ebsfleet in Kent which will eventually serve thousands of homes.
"No-one would be more delighted if a commercial incentive emerged that enabled us to fibre the nation," said Peter McCarthy-Ward, BT's director of equivalence.
But he is not yet sure the demand is there.
"We are not facing large numbers of people today who are constrained by their bandwidth," he said.

Will gaming be one of key drivers for increased bandwidth?
Any commitment to a fibre network would need to be backed by reassurances from Ofcom that it would be able to recoup its investment, he said.
It may sometimes seem like Britain's best kept secret, but there is already a next-generation network serving just over half the population.
Virgin has pledged to upgrade its cable network - which reaches 52% of the population - to 50Mbps speeds by the end of 2008.
Speaking at a recent broadband conference, Virgin Media's chief technology officer Howard Watson admitted that an upgrade of cable would not "be on the same scale as what BT would have to do, but neither is it a trivial amount of money",
But, he said, the investment was crucial to Virgin's strategy going forward.
"We are shifting our position to one driven by broadband and increasing speed," he said.
Triallists at the pilot sites in Ashford, Dover and Folkestone are very happy with the service especially the ability it gives them to do fast downloads and access high-definition TV content, said Mr Watson.
"And gamers love it. You can shoot someone so much quicker at 50 megabits," he said.




Teddy row teacher to be released



Teacher Gillian Gibbons is to be released from prison in Sudan after she was jailed for allowing children in her class to name a teddy bear Muhammad.
Mrs Gibbons, 54, from Liverpool, was jailed for 15 days by a court in Sudan.
Sudan's President Omar al-Bashir pardoned her after a meeting with two British Muslim peers, Lord Ahmed and Baroness Warsi.
Prime Minister Gordon Brown said he was "delighted and relieved" at the news and that "common sense had prevailed".
The BBC's Adam Mynott said Mrs Gibbons is expected to be released later on Monday.
The jailing of Mrs Gibbons has led to an international outcry and has embarrassed the government.
"The president has told us he has already signed the papers for her pardon," Lord Ahmed told the AP news agency.
Efforts applauded
Mr Brown said Mrs Gibbons would be released into the care of the British embassy in Khartoum.
"Through the course of Ms Gibbons' detention I was glad to see Muslim groups across the UK express strong support for her case.

Baroness Warsi and Lord Ahmed both travelled to Sudan
"I applaud the particular efforts of Lord Ahmed and Baroness Warsi in securing her freedom. I am also grateful to our officials for all their work behind the scenes."
President Omar al-Bashir has been under pressure from Sudanese hardliners to ensure Mrs Gibbons served her full sentence.
There had even been calls for a retrial and for the sentence to be increased.
Mrs Gibbons had been held in a secret location due to fears for her safety.
She was arrested after a member of staff at Unity High School complained to the Ministry of Education.
Crowds of protesters had marched in the capital Khartoum demanding a tougher sentence for her alleged crime of blasphemy. Some called for her to be executed by firing squad.
The British politicians had meetings with Sudanese government officials, including the foreign minister, over the weekend.
They had been due to return home on Monday, but announced they would stay for a third day, after indications that the weekend's "difficult" meetings had led to progress in the case.









http://news.bbc.co.uk



Putin party secures huge victory


The United Russia party of President Vladimir Putin has secured more than 60% of the vote in Sunday's election, preliminary official results indicate.
Only two other pro-Kremlin parties and the opposition Communists appear to have got sufficient votes to pass the threshold needed for seats in the Duma.
United Russia said the result showed Russians supported Mr Putin's course.
The US has urged Moscow to investigate claims of voting irregularities by opposition leaders and the OSCE.
United Russia has admitted there were some irregularities on Sunday, but said they were not significant enough to affect the result.
Mr Putin has said a strong result would give him the authority to retain political power after his presidential term ends next year, possibly as prime minister.
'National leader'
With nearly 98% of ballots counted, the Central Election Commission announced on Monday morning that United Russia was leading with 64.1%, while the opposition Communists trailed with 11.6%.
Only two other parties - the Liberal Democratic Party of Russia and A Fair Russia, which are allied to United Russia - are on track to clear the 7% threshold required to qualify for seats.
The vote affirmed the main idea - that Vladimir Putin is the national leader
Boris GryzlovLeader, United Russia
Food, music welcome voters
In pictures: Russia votes
Profile: Vladimir Putin
The result would mean pro-Kremlin parties would have the two-thirds majority in the Duma required to able to amend the constitution.
Yabloko, the standard-bearer of the liberal left in the country, was a distant sixth with only 1.6% of the vote.
The election commission said the turnout amongst Russia's 109m voters had been 63%, up from 56% in the last parliamentary election four years ago.
United Russia's leader, parliamentary speaker Boris Gryzlov, hailed the result as a signal from Russian voters that they wanted President Putin to retain influence and his policies to be maintained even after he leaves office in 2008.
RESULTS SO FAR
With 97.8% of vote counted
United Russia: 64.1%
Communist Party of Russia: 11.6%
Liberal Democratic Party of Russia: 8.2%
A Fair Russia (Mothers/Pensioners/Life): 7.8%
Source: Central Election Commission
"The vote affirmed the main idea - that Vladimir Putin is the national leader, that the people support his course, and this course will continue," he said after the results of exit polls were announced on Sunday.
Kremlin spokesman Dmitry Peskov said the result was "extremely important from the point of view of continuation... of the reforms started in the last eight years".
Mr Putin is constitutionally obliged to stand down after his second term as president ends in March next year.
Mr Peskov said Mr Putin planned to "transfer his presidency to another man" following the presidential election in March, while United Russia announced it would nominate its candidate for the post at a party congress on 17 December.
The BBC's James Rodgers in Moscow says United Russia's landslide win on Sunday will enable Mr Putin to continue wielding great influence in politics - even if he is no longer in high office.
'Irresponsible and dirty'
However opponents have been crying foul.
The Communists and several smaller opposition parties have said they will mount a legal challenge in the Supreme Court .
The executive branch acted as though it practically elected the parliament
Kimmo KiljunenDeputy Head, OSCE Parliamentary Assembly
Communist leader Gennady Zyuganov said the election had been the "most irresponsible and dirty" in the post-Soviet era and warned that the new parliament would be a "subsidiary of the Kremlin, a rubber-stamp factory".
The election also came under strong criticism from the Organisation for Security and Co-operation in Europe (OSCE).
"The executive branch acted as though it practically elected the parliament," the OSCE's Kimmo Kiljunen told the Moscow Echo radio station.
The OSCE abandoned its plans to send a big team of election observers, accusing Moscow of imposing curbs and delaying visas. Russia denied the claims.
The independent Russian monitoring group Golos said violations had amounted to "an organised campaign".

Turnout at the election is believed to have been very high
Spokeswoman Tatyana Bogdanova said observers had reported cases where state employees and students had been pressured to vote.
The White House urged Russian authorities to investigate the reports of fraud.
However, the chairman of the Central Election Commission, Vladimir Churov, told Russian television he knew of "no serious violations in the course of polling day".
Mr Gryzlov also acknowledged there had been violations but dismissed them as insignificant.
The election also appears to have delivered a parliamentary seat to Andrei Lugovoi, the man the UK wants to put on trial for the murder of former Russian spy Alexander Litvinenko.
He has denied the charge, but status as a member of parliament for the Liberal Democratic Party would bring with it immunity from prosecution in Russia.





Chavez defeated over reform vote

Venezuelan President Hugo Chavez has narrowly lost a referendum on controversial constitutional changes.
Voters rejected the raft of reforms by a margin of 51% to 49%, the chief of the National Electoral Council said.
Mr Chavez described the defeat as a "photo finish", and urged followers not to turn it into a point of conflict.
Correspondents say the opposition could barely hide their delight and that the victory will put a brake on Mr Chavez's self-styled "Socialist revolution".
Celebrations by the opposition began almost immediately in the capital, Caracas, with activists cheering, beeping car horns and waving flags.
"Venezuela won today, democracy won today, and I am sure that this victory for the Venezuelan people will have a very important impact in the rest of Latin America," Leopoldo Lopez, opposition mayor of Caracas' Chaqua municipality, told the BBC.
'Don't feel sad'
The BBC's James Ingham in Caracas says Mr Chavez had expected a big win and will be very disappointed.
KEY PROPOSALS
Indefinite re-election of president, term increased from 6 to 7 years
Central Bank autonomy ended
Structure of country's administrative districts reorganised
Maximum working day cut from 8 hours to 6
Voting age lowered from 18 to 16
Social security benefits extended to workers in informal sector
Reaction in quotes
Q&A: Venezuela's referendum
However, he swiftly conceded and urged the opposition to show restraint.
"To those who voted against my proposal, I thank them and congratulate them," he said. "I ask all of you to go home, know how to handle your victory."
He insisted that he would "continue in the battle to build socialism".
"Don't feel sad," he told his supporters, saying there were "microscopic differences" between the "yes" and "no" options.
He said the reforms had failed "for now" but they were "still alive".
Our correspondent says that some of Mr Chavez' loyal supporters have gone against him on this occasion.
Though some of them may still support him, he says, they think he has gone a little too far in a country which has a history of dictatorships.
'Too much power'
The result marks the president's first electoral reverse since he won power in an election in 1998.
Since then he has set about introducing sweeping changes in the country's laws aimed at redistributing Venezuela's oil wealth to poorer farmers in rural areas.
Just a year ago, he was re-elected with 63% of the vote.
But analysts say the defeat should cause him to rethink the pace and scope of his reforms.
With his constitutional reform proposals, Mr Chavez was seeking an end to presidential term limits and the removal of the Central Bank's autonomy. Having lost the vote, the current rules state that he will have to stand down in 2013.
The main opposition parties had claimed during the referendum campaign that Mr Chavez was seeking to give himself too much power, and was trying to establish a dictatorship.
Mr Chavez said the package of reforms was necessary to "construct a new socialist economy".




Sunday, December 2, 2007

Protests force Facebook to change

Facebook members have forced the social networking site to change the way a controversial ad system worked.
More than 50,000 Facebook users signed a petition calling on the company to alter or abandon its Beacon advertising technology.
When Facebook users shopped online, Beacon told friends and businesses what they looked at or bought.
Many considered the data sharing to be an intrusion that exposed them to more scrutiny than was comfortable.
Privacy please
In response to the demands, Facebook's 55 million members will have more control over whether data about what they do online is used for Beacon.
Before the changes, Beacon was an "opt out" system and many complained that they missed the chance to avoid using it when it was introduced in early November.
Now Beacon will be an "opt in" system that only tracks data if explicit permission is granted to Facebook to do so.
More than 40 websites, including Fandango.com, Overstock.com and Blockbuster, signed up to use Beacon software on their webpages and report what Facebook users did when they visited.

Beacon embarrassed many doing Christmas shopping onlineActivist site MoveOn was at the forefront of protests against Beacon and set up the petition to gather signatures on 20 November.
"It also says a lot about the ability of internet users to band together to make a difference," said Adam Green, a spokesman for MoveOn.
Facebook apologised for its actions via a letter on its website.
"We're sorry if we spoiled some of your holiday gift-giving plans," read the letter. "We are really trying to provide you with new meaningful ways, like Beacon, to help you connect and share information with your friends."
Industry commentator Om Malik said Facebook users had to be certain to opt out completely from Beacon otherwise Facebook would still collect data from partner sites - even if that data was not shared more widely.
The changes to Beacon may not be the last that Facebook has to make to the technology.
Two rights groups, the Electronic Privacy Information Center and the Center for Digital Democracy, are believed to be compiling a complaint to the US Federal Trade Commission about it.



Voting starts in Russian election

Polling stations have opened in the Russian capital, Moscow, as the country votes in general elections over 22 hours across 11 time zones.
Eleven parties are competing for places in the lower house, the Duma - though it is not clear how many will secure the 7% needed to qualify for seats.
President Vladimir Putin's party is predicted to win, boosting his bid to retain power after leaving the Kremlin.
Opposition parties have accused the government of stifling their campaigns.
Independent monitors say their attempts to observe the poll have been hampered.
The Organization for Security and Co-operation in Europe (OSCE) has abandoned its plans to send a big team of election observers to Russia after accusing the Russian government of imposing unacceptable restrictions and of deliberately delaying the issuing of visas. Russia has denied the claims.
Only a much smaller group of MPs from the OSCE's parliamentary assembly will be in attendance.
MAIN RIVAL PARTIES
United Russia
Communist Party of Russia
Liberal Democratic Party of Russia
A Fair Russia (Mothers/Pensioners/Life)
Yabloko
Union of Right Forces
Q&A: Russian election
That means just 330 foreign monitors will cover 95,000 polling stations.
The British ambassador in Moscow, Tony Brenton, told the BBC it appeared there had been what he called imbalances and misuses of the administration in this election.
The largest party in the Duma going into the elections is United Russia, and it will be hoping to maintain its dominance against the challenge from the Communist Party, the Liberal Democratic Party, the Yabloko party and others.
Mr Putin is at the top of the United Russia party list - opening the possibility that he could keep a grip on power from parliament even after stepping down as president next year.
Within Russia the media is banned from referring to parties, politicians, policies or opinion polls for the duration of the election.
Eastern start
Voting began at 0800 on Sunday (2000 GMT, Saturday) in Russia's easterly region of Kamchatka, about 6,000km (3,700 miles) east of Moscow.

Sailors in Vladivostok were among the first to vote
Voting is not set to end until 22 hours later, when polls are due to close in the enclave of Kaliningrad, on the Baltic Sea, 11 time zones to the west.
The BBC's Richard Galpin, in the Siberian city of Krasnoyarsk, says that in the far east of the country the turnout already seems high, with almost 40% of voters casting their ballots by early afternoon.
In Krasnoyarsk, our correspondent says, the elderly led the way - no doubt keen to take advantage of an offer of a free medical check up and advice on pensions and benefits.
Sailors in the port of Vladivostok waited at a polling station to cast their votes on Sunday morning.
"I'll vote for United Russia," Vladimir Babikov, 19, told the AFP news agency.
"They've done a good job, everything is getting better."
In Petropavlovsk-Kamchatsky, Alexei Gutkin, a 42-year-old engineer, voted for the centre-right Union of Right Forces.
"United Russia is like a return to the Communist Party," he said. "I remember that time well."
'Farce'
The run-up to the vote has been marred by increasing allegations that the poll could be rigged.

In pictures: Siberia votes
Correspondents say more and more ordinary people have been speaking out in interviews with the mainstream media and on internet blogs about how they have been pressured to vote for United Russia.
Opposition rallies have been broken up, parties have complained that their headquarters have been raided, and that state media has been a mouthpiece for the government.
The former chess grandmaster and Kremlin critic Garry Kasparov has dismissed the elections as a "farce". His political grouping is one of several to be barred from contesting the poll.
More than 100 million voters are eligible to cast ballots at 95,000 polling stations across the country, with about 450,000 police officers reportedly on duty to ensure order.



Friday, November 30, 2007

Gmail Promised To Give More Space

My personal Gmail account was running out of space before I did a massive clean up couple weeks ago, by deleting all emails with large attachments.
Well, now I’m expecting such problem will not occur again after this official news from Gmail blog. At the moment, Gmail storage is ever increasing as part of their “Infinity+1” storage plan. Now Gmail is going to speed up the counter and giving out more free storage as time passes by. In other words, it simply means you’ll be rewarded with more and more storage space in every second, every minute and everyday!
Hopefully, your Gmail account will not run out of space unless your rate of using the email storage is faster than the rate of Gmail increase their storage space.

CAD / Drafting Technology

this video and find out how to get trained for a great job in CAD / Drafting Technology.
Launch Video
Is CAD/ Drafting Right For You?
In a sense, CAD operators help build the world. They help create things as small as action figures, and as large as hundred-story skyscrapers. CAD operators turn designs into reality. Without them, a great idea but nothing more than, well, a great idea. Rome wasn’t built in a day. But had CAD existed then, maybe it could have been.
What Kind of Work Do We Prepare You To Do?
Enroll in our CAD / Drafting Technology program, and you'll learn to use CAD software to make drawings based on sketches done by engineers, surveyors, architects or scientists.
CAD drawings can be used to build everything from toys, toasters and spacecraft, to houses, office buildings, and oil pipelines.
What Does Our CAD / Drafting Technology Program Offer You?
The skills to perform manual drafting
The opportunity to learn computer-aided (AutoCAD) drafting
The knowledge to create drawings in 2-D and 3-D
Training in residential drafting/detailing, roadway drafting, light commercial drafting, structural and commercial detailing, and structural steel drawing
What Career Choices are Available to Graduates?
Upon graduation, you will be qualified to work as a Detailer, a Drafter or a CAD Operator in fields like:
Electronics
Manufacturing
Architectural Design
Construction
Government
Transportation
Communications
Public Utilities
Want to learn more about this program?
Get more detailed information about this program, like at what locations it’s offered and which courses you’ll take.




X-ray Technician (Limited Scope)

this video and find out how to get trained for a great job in X-ray Technology.
Launch Video
X-ray Vision Isn’t Just for Superheroes
The Limited Scope X-ray Technician is interested in the human body, and how injuries can prohibit it to function well. Helping people diagnose those injuries is part of their satisfaction.
Because they must adhere to specific procedures, they follow instructions well. They are also comfortable being alone with people in a confined setting.
What Kind of Work Do We Prepare You To Do?
As a Limited Scope X-ray Technician, you’ll possess the training and skills to x-ray the chest, hand, wrist, forearm, elbow, knee, foot or ankle.
Plus, our education will qualify you to perform electrocardiograms, venipuncture, routine laboratory tests, injections, urinalysis, electrocardiography and x-ray film processing.
What Does Our X-ray Technician (Limited Scope) Program Offer You?
Theory and practical application of anatomy and physiology
The fundamentals radiographic physics
Introduction to diseases and trauma that body systems
CPR certification
X-ray lab training with regard to positioning the chest, hand, wrist, forearm, elbow, knee, foot and ankle
The skills to perform venipuncture, injections, urinalysis, electrocardiography and x-ray film processing
An externship in a medical facility
What Career Choices are Available to Graduates?
Upon graduation, you will be eligible to take your state’s licensing examination.After passing this evaluation, will be qualified to work as a Limited Scope X-ray Technician in places like:
Physicians' Offices
Diagnostic Imaging Centers
Clinics
Want to learn more about this program?
Get more detailed information about this program, like at what locations it’s offered and which courses you’ll take.



Health Care Programs

Medical workers are in strong demand – train to become one.

Health Services is one of the biggest industries. In fact, in 2002, it employed almost 13 million people.
And it’s an industry with lots of job prospects. Between 2002 and 2012, over 3.5 million new workers are projected to be needed.
What's better than all that growth? The fact that we offer training in several different health care fields:



Wednesday, November 28, 2007

Q&A: Amazon lawyer on feds' subpoena for 24,000 customer records

Amazon.com won an important legal fight to preserve its customers' privacy by persuading a court to reject requests for 24,000 customer records made by federal prosecutors in Madison, Wis.
Documents in that case, in which the FBI and IRS are accusing an independent Amazon seller of skirting tax laws, came to light in the last week. But it's not the first time that police on a fishing expedition have demanded customer records from the Web's largest bookstore.
Read on for our excerpts from our conversation on Wednesday with David Zapolsky, Amazon.com's vice president for litigation. He said a few years ago that Amazon gets subpoenas "roughly once a quarter," and we asked him for some more information about how the process works.
It's important to note that the First Amendment gives online and offline bookstores a greater legal ability to resist law enforcement demands than say, banks or credit card companies enjoy. And Amazon is following the tradition of other booksellers, which have a tradition of--individually and through the American Booksellers Foundation for Free Expression--opposing requests from overzealous prosecutors.
In an important 2002 case, the Colorado Supreme Court ruled that police could not serve a search warrant on Denver's Tattered Cover Book Store. Two years earlier, a judge denied the Drug Enforcement Administration's attempts to get sales records from a Borders bookstore as part of a grand jury investigation. And perhaps the most famous case came when independent counsel Kenneth Starr tried unsuccessfully to obtain Monica Lewinsky's purchase records from Kramerbooks, a popular neighborhood bookstore in Washington, D.C.
Here's the conversation:
Q: How often does Amazon.com receive requests for customer records?
We do get them from time to time. They come in relatively randomly, and they come from various orders, federal or state. We typically approach each one on a case by case basis.
Nine times out of ten, if what's being asked for involves the compelled disclosure of customer expressive choices... we'll explain our concerns to the government and they'll understand it and they'll withdraw their request or they'll modify it in a way that doesn't cause disclosure of that (information).
Q: Is it more common to see law enforcement withdraw the request or modify it?
It's hard to characterize. It depends on how badly they need the information and what the investigation is about. If they're looking for credit card fraud, for instance, all they really may be interested in is transaction amounts, there's no information about buyers or customers or anything. So if it's a different type of investigation, they may decide its just not worth pursuing the subpoena at all.
Q: How does the volume of records in this request compare to past requests you've received?
It's hard to generalize because each one of these things is a little bit different. This (the Madison, Wis. case) was unusual in that the sheer number of transactions was unusually large: 24,000 sales of individual books, music and a few videos, and that's a lot of sales. When they came back and asked us for all of the customer information associated with those sales, I was surprised.
Q: Can you share any details on past requests?
I never really talk about details of ones we're able to resolve informally. It doesn't make sense, and a lot of them are ongoing investigations.
This only became public after the investigation was concluded, it all played out last summer, only unsealed within last couple of days. (Editor's note: The indictment of former city official Robert D'Angelo on tax evasion, wire fraud, and money laundering charges became public last month. Prosecutors sent a grand jury subpoena to Amazon over the summer during the investigation that let to the subsequent indictment.)
There's only been a few times when we had to go to a court to make this point. (There was) one instance in South Carolina a few years ago that never resulted in any public filings because ultimately the prosecutor's case fell apart before we got to a decision on whether or not they could enforce the subpoena.
There was a case four to five years ago where some Cleveland prosecutors asked for some similar information. They were trying to get the Washington prosecutor to enforce a local subpoena and the local prosecutor ultimately agreed with us that that it didn't make sense.
This was certainly the first public decision that resulted from a challenge such as the one we made.
Q: What do you look at when these requests come in from law enforcement?
When the request for information could violate customer privacy or First Amendment rights, we scrutinize it closely. We talk with the government about it, and if we still can't feel comfortable...we'll just ask a court to make that decision.
What this court held and what we believe the law is, is a court needs to apply a higher standard before allowing the government to get...access to that information. We don't want to be the ones making that determination if there's any doubt at all.
We think this is a significant decision because it recognizes and adopts in the federal grand jury context a doctrine that has kind of been development over the past 10 years in the prior cases...The Kramerbooks case, which grew out of the special prosecutor's investigation of President Clinton and then the Tattered Cover bookstore case in Denver, Colorado, which resulted in a very fine Colorado Supreme Court opinion which goes through the history of this legal doctrine.
This is just an extension of a doctrine that has been kind of percolating for a while, and it's significant because it's a federal district court and it's a federal grand jury investigation...(It) continues the development of important protection for customers and for readers of books.
News.com's Anne Broache contributed to this report.


Cable escapes stricter FCC rules, for now

November 28, 2007 5:45 AM PST
Cable escapes stricter FCC rules, for now
Posted by Anne Broache
Cable's fierce lobbying over the threat of expanded government control paid off late Tuesday night, as federal regulators approved a watered-down proposal that does not immediately open up the possibility of new regulations.
Kevin Martin,FCC chairman
After a rocky day of closed-door negotiations, which delayed the scheduled 9:30 a.m. EST start time of the Federal Communications Commission's meeting by nearly 12 hours, FCC Chairman Kevin Martin caved to pressure from fellow commissioners over how to handle a contentious cable competition report.
That outcome could derail any future efforts by Martin to push through controversial new rules for cable operators--most notably, his longtime goal of requiring them to sell consumers packages of channels on an "a la carte" basis. (Consumer groups adore the idea, but the cable industry contends it'll only raise prices and reduce subscribers' choices.)
At issue at Tuesday's meeting was this year's iteration of an annual report to Congress in which the FCC attempts to quantify competition in the cable industry. An original version of this year's report found, based on a single data source, that the share of Americans who subscribe to cable has climbed to 71.4 percent. (The text of the final, approved report wasn't immediately released by the FCC.)
That's significant because, if that finding was adopted, it would have activated a section of federal law known as the 70/70 rule. That rule dictates that FCC can impose "any additional rules necessary to promote diversity of information sources" if it finds that cable systems that offer access to 36 or more channels are available to 70 percent of American households, and that 70 percent of those households actually subscribe to cable. That first prong has long been satisfied, but a firestorm of debate has surrounded whether the subscriber threshold has also been crossed.
The cable industry promptly attacked the 71.4 percent figure, which came from a study by trade publisher Warren Communication News, and continues to say it has numbers that show otherwise. Both Democratic and Republican members of Congress also cautioned against additional regulations in recent days, with some arguing that competition in the video market is robust, thanks in part to the growth of Internet-based content.
Martin continued to defend the data on Tuesday night, arguing the commission has used it for three previous reports because it's the only source that keeps tabs on subscribership to cable systems with 36 or more channels, as the law requires.
But, in an apparent concession to the cable industry, he agreed after much haggling in recent days to compromise and take a look at other data sources as well.
Cable operators--including telephone companies that offer video services--will be required to provide ZIP-code-by-ZIP-code data on the total number of homes and subscribers they have within 60 days, according to an FCC press release sent early Wednesday morning.
The cable industry was quick to applaud Martin's change of heart and the commissioners who balked at the original report. In a statement, National Cable and Telecommunications Association President Kyle McSlarrow said he welcomed the opportunity to provide additional data, which he said "will confirm that the commission was correct in rejecting the 70/70 finding today."
To regulate or not to regulate?Cable's reprieve from regulations, however, may be only temporary. Both Martin and Democratic FCC Commissioner Michael Copps said they believe the new data will bolster the finding that the number of subscribers has surpassed the 70 percent threshold, therefore opening up the need for increased government intervention.
Additional numbers submitted to the FCC by public-interest groups and "at least one industry source" (which appears to be AT&T) back up those subscriber numbers, Copps said. "In light of these facts, I think that the most responsible course of action at this point is for the commission to act swiftly to compel the industry to open up its books to put this question to rest once and for all," he said Tuesday night, according to a written statement provided by the FCC.
Still, two other commissioners who fought Martin on the report, Democrat Jonathan Adelstein and Republican Robert McDowell, offered a blistering critique of the process. They suggested the chairman had attempted to rig the report's findings and to ignore valid data sources in order to support his own policy goals. In their written remarks, they also said they were also disturbed that, just two hours before the late-night meeting began, FCC staff shared the results of a 2006 FCC survey indicating that cable subscription rates had only reached 54 percent.
"We cannot cook the books to pursue a political agenda without dismantling our very institution," Adelstein said in prepared remarks Tuesday night. "We simply must act like the expert agency Congress intended, and not squander our precious legacy."
The fifth commissioner, Republican Deborah Taylor Tate, said she also believes a "broader universe of information sources" must be considered.


http://www.news.com

Google: Jolly green giant?

By CNET News.com Staff -->
Last modified:November 28, 2007, 11:26 AM PSTThe search and advertising company is a force to be reckoned with across the Web. Now it's looking to do the same in alternative energy (along with many others, large and small).
Google's energy push: Distraction, PR, or good business?People are wondering why Google's getting into renewable energy. The answer is simple: it believes in innovation. November 28, 2007
Google in energy: Imitator or innovator?In Google's renewable-energy initiative, there are new ideas, and some reruns. Is the eSolar investment more of a VC deal than a way to push the frontiers of science?November 28, 2007
MIT launches contest to fire up energy entrepreneursNeed $200,000 or so to launch your clean-energy business? MIT, the Department of Energy, and a utility company are waiting to hear from you. November 28, 2007
New method for making diesel fuel uses vegetable oilsA Portuguese oil company plans to announce it is building a 6,500-barrel-a-day plant to make diesel fuel from vegetable oils using a method akin to refining oil.The New York TimesNovember 28, 2007
Google to enter clean-energy businessSearch giant earmarks hundreds of millions of dollars with the goal of generating a gigawatt of clean energy that's cheaper than coal.November 27, 2007
HP invests big in solar and windHewlett-Packard buys into solar power in San Diego, but Google still retains bragging rights for largest corporate solar installation. November 27, 2007
Can baking soda curb global warming?A start-up in Texas says it can turn the carbon dioxide emitted by power plants into baking soda.Photos: Fumes turned baking sodaNovember 27, 2007
Venture to make algae fuel from coal plant emissionsCan carbon dioxide be used to make a fuel? Australian companies Linc Energy and Bio Clean Coal to grow algae for biomass or biodiesel.November 26, 2007



Saturday, November 24, 2007

Video: Getting in line for good deals

Shoppers around the nation set their alarms extra early to welcome Black Friday, the traditional start to the holiday shopping season. At electronic superstores like Circuit City, $299 laptops were among the first big items to sell out. As CNET News.com's Kara Tsuboi found out, people didn't seem to mind waiting in hour-long lines to buy fancy TVs if it meant cashing in on super savings.
2 minutes 47 seconds
Nov 23, 2007 6:03:00 AM



Q&A: Microsoft aids upper-crust camera company

Posted by Stephen Shankland
PhaseOne Chief Executive Henrik Hakonsson is bridging a vast digital photography divide.

A medium-format camera with a Phase One digital back.
His company makes top-end image sensor housings called digital backs, each costing tens of thousands of dollars and attaching to high-end medium-format cameras with similarly high price tags. But he just signed a partnership with Microsoft, which gears its products for the broadest possible audience.
The Phase One product that brings these two worlds together is Capture One, software that helped pioneer the area of processing "raw" images taken directly from image sensors without any in-camera processing. The software exists chiefly for Phase One's high-end customers, but it also supports many mainstream cameras.
Through the partnership, terms of which were not disclosed, Microsoft will help Phase One tackle technical challenges of improving that software, Hakonsson said. And according to Josh Weisberg, Microsoft's director of digital imaging evangelism, Capture One will be able to handle files encoded with Microsoft's HD Photo format, which the company is advocating as a higher-quality replacement for the ubiquitous JPEG and is standardizing as JPEG XR.
Phase One, based in Copenhagen, was founded in 1993 and is owned by its 130 employees. On the hardware side, its top-end P45+ back uses a 39-megapixel sensor from Kodak. It sells two versions of Capture One, the $499 Pro and the $99 LE, but with the upcoming version 4, the LE version will simply be named Capture One 4.
I chatted with Hakonsson about his company's software, hardware, and Microsoft alliance earlier this month. Here's an edited transcript.

Phase One CEO Henrik Hakonsson(Credit: Phase One)
Q: Most people haven't heard of Phase One. Can you give us a thumbnail sketch? Hakonsson: Phase One is the world's leading digital camera back manufacturer. If you take a copy of Vogue magazine and look at the first 50 pages, approximately 80 percent of the images are shot with Phase One digital back and Capture One software. Our position in the market is the very top maybe 1 percent of the photo segment--shooters who work with the biggest clients and the most demanding photographic applications.
What's your sales volume for digital backs? The global market will exceed 10,000. Phase 1 has more than 50 percent of the market. Some of our digital back competitors are working to make less costly solutions. We try to target the most demanding photographers.


Sinking liner evacuated off Antarctica

BUENOS AIRES, Argentina - A Canadian cruise ship struck submerged ice off Antarctica and began sinking, but all 154 passengers and crew, Americans and Britons among them, took to lifeboats and were plucked to safety by a passing cruise ship.




Monday, November 19, 2007

Steel prices boost ArcelorMittal

The world's largest steel firm, ArcelorMittal, has seen quarterly profits jump thanks to high steel prices and demand from new markets.
Net income hit $3bn (£1.44bn) for the three months to 30 September - a 36% rise on the same period a year earlier.
Despite the strong figure, the firm warned of lower sales in the fourth quarter in Europe and North America.
Mittal acquired Arcelor for 30bn euros in 2006, creating a firm with a 10% share of the world steel market.
Cost savings achieved since the merger reached $1.3bn in the third quarter and are expected to hit $1.4bn by the end of the year, the firm said.
Since the merger, ArcelorMittal has been expanding its reach through further acquisitions, most recently by announcing its purchase of Estonian steel firm Galvex.
Last week, mining giant BHP Billiton approached rival Rio Tinto with a takeover proposal that would create a company that controlled about 27% of the world market for iron ore.
Such a move is expected to lead to competition concerns from the steel industry. However, ArcelorMittal said its own investments in iron ore would help its position.
"We have effectively a better position than many other steel companies," an ArcelorMittal spokesman said.



Dubai eyes US investment bargains

An investment agency owned by the Dubai government says the US mortgage crisis has created a wealth of cheap American investment opportunities.
Omar bin Sulaiman, governor of DIFC Investments, told the Reuters news agency that the crisis had driven down the share prices of US firms.
He said that, as a result, DIFC was looking to invest in US oil and gas, telecom and real estate companies.
The comments could be controversial in some parts of Washington.
Last year fellow government-owned Dubai company, Dubai Ports World (DPW), was forced to sell off its newly-acquired US ports operations following strong opposition from US politicians.
DPW, which gained operations at six major US ports following its takeover of UK firm P&O, sold them to US insurance giant AIG after US politicians objected on security grounds.
"The challenge is how low do we look," said Mr bin Sulaiman.
"There are good assets in the US, good opportunities for acquisitions to be identified."
DIFC Investments bought a 2.2% stake in Deutsche Bank earlier this year for about 1.35bn euros ($2bn; £964m).



US defends its cotton subsidies

The US will reduce subsidies on its giant cotton industry, the deputy secretary of state has said - but only as long as the European Union does.
John Negroponte was defending ongonig subsidies on US cotton growers during a visit to Burkina Faso, in west Africa.
The country is Africa's leading cotton grower, although it produces just 6% of the amount of cotton the US does.
The region's small farmers complain that they must compete against highly mechanised, well-subsidised US rivals.
They say American subsidies also serve to depress prices on world markets.
Mr Negroponte met Burkinabe President Blaise Compaore after arriving from the Ivory Coast.
He defended his government's refusal to withdraw subsidies.
"We have clearly indicated that we are ready to reduce our farms subsidies on the condition that our European Union partners can equally make the same gesture so we can work together in this direction," he said, according to Reuters news agency.
He said the US had worked to promote cotton farming in Burkina Faso by providing aid funds to finance increased production and marketing.
"We have worked with certain parties, notably the farmers, to see how to arrange contacts with American operators to place Burkinabe cotton on the American market - particularly the very high quality cotton that you produce here," he added.
'Disappointed'
But critics accuse Washington of hypocrisy - of frequently demanding that other nations scrap protections for domestic industries under the banner of free trade, while only doing so on a selective basis itself.
The World Trade Organisation criticised Washington earlier this year, as it upheld a 2004 ruling in favour of Brazil, which had argued that US cotton subsidies were unfair.
The US said it had scrapped a number of payments and credits to farmers, but the WTO said they were insufficient to meet trade rules and it was "very disappointed".
During the tortuous six years of the Doha Round of trade talks, which now seem to be in deadlock, domestic opposition in the US to cuts in subsidies for cotton farmers has grown.
Lawmakers from the country's southern states have threatened to block any world trade deal that proposes major cuts to subsidies.
The US is the world's second producer of cotton after China, producing some 40% of cotton on world markets.



Sorting out the sub-prime problem

On 31 August, President George W Bush appeared in the White House Rose Garden to urge action to deal with a serious crisis in the US economy.
He was flanked by two of the most powerful players in the global economy: US Treasury Secretary Hank Paulson and Federal Reserve Chairman Ben Bernanke.
The sub-prime crisis - which is threatening millions of families in the US with eviction, has created turmoil in the financial markets, and lead to serious disruption to the US economy and housing market - had moved to the top of the political agenda.
Action was required, so the Fed intervened by providing massive short-term liquidity to preserve the banking system and cut interest rates twice, the first time by half a percentage point.
This was followed, perhaps belatedly, by new and tougher regulation of the mortgage industry, with new limits on sub-prime "balloon" mortgages, whose payments are fixed for 2 years and then rise sharply to a much higher variable rate.

Recent disturbances in the sub-prime mortgage industry are modest in relation to the size of our economy
President George W Bush
Bush moves to ease lending crisis
Both the Bush administration and the Democrats, which control both Houses of Congress, have been searching for bipartisan solutions that will solve the crisis and provide help to the millions of people - including many victims of predatory lending - now facing eviction.
But deep ideological divisions between the two sides - with the Democrats favouring much tighter regulation of the industry, and the Bush administration looking to private sector solutions - is hampering attempts to reach an early resolution of the problem.
And the two sides also disagree on how severe an impact the crisis will have on the US economy.
Stopping foreclosures
The most urgent problem is to help the millions of homeowners who were sold "balloon" sub-prime mortgages in the past two years, whose interest rates are now set to double, leading to evictions and repossessions - known as foreclosures in the US.
The Bush administration's point man on this issue, Treasury Under Secretary Robert Steel, says he focuses on this issue every day.
"Our role is to ensure that lenders and servicers are being flexible with regard to working with the borrowers," he says in an interview with BBC News.

Our role is to ensure that lenders and servicers are being flexible with regard to working with the borrowers
Robert Steel, US Treasury Under Secretary for Domestic Finance
See the full interview with Robert Steel
The Treasury plan is to bring together lenders and borrowers to work out individual voluntary agreements to avoid foreclosure.
It has created a joint private-public task force, Operation Hope (Home owner protection effort), to encourage lenders to take a softer line, whilst also urging borrowers to tell lenders earlier when they run into financial difficulties.
Yet less than 1% of sub-prime mortgages are successfully renegotiated. Many housing aid agencies say it is impossible for lenders to individually renegotiate the "tidal wave" of troubled mortgages in time to stop foreclosures.

The Fed estimates that every three months, 450,000 families will face sharply higher mortgage rates over the next two years.
They have urged mortgage pools and mortgage servicers to "pursue loss mitigation strategies that preserve home ownership" and to contact borrowers before mortgages go up.
And they are urging a more uniform approach among the lenders on which borrowers will qualify for relief from foreclosure.
The most radical proposal has come from an unlikely source.
Sheila Bair, the head of the Federal Deposit Insurance Corporation, which regulates bank deposits, has suggested a complete freeze on any interest rate increase on these "ballon" mortgages, as long as the mortgage-holder is not already in arrears on his payments.
But she has faced fierce criticism from the mortgage industry, which believes that this would create what economists describe as "moral hazard" - with people who bought more insecure mortgages getting better protection from eviction than people with ordinary mortgages - and thus encouraging people to get more risky mortgages in the future.
Reviving the mortgage markets
The sub-prime crisis has paralysed the mortgage-lending industry, as bondholders are loath to buy mortgage-backed securities unless they are guaranteed by the government.

US property crash hits economy
This has made much more difficult for individuals to get mortgages if they do not qualify for "prime" mortgages funded by the government-sponsored Freddie Mac and other mortgage agencies.
This includes well-off borrowers who want "jumbo mortgages" over $417,000 (£204,000), as well as borrowers with weak credit histories. In all, this includes about a third of all borrowers.
The Democrats, and Freddie Mac itself, say that a quick way to help ease the situation would be to temporarily expand the role of these agencies.
TYPES OF US MORTGAGES
Sub-prime: at a higher rate of interest for people with poor credit history and low income
Alt-A: at a higher rate of interest for people with poor credit history but better jobs
Jumbo: mortgages over $417,000 and not backed by government guarantee
Prime: mortgages under $417,000 backed by government guarantee with stricter loan conditions (also called 'conforming')
They want the government to raise the limit on the maximum size of the mortgages they can insure to $1m, and they want a big increase in the cap that limits the total amount they can provide to the mortgage-backed securities market.
But these agencies have had a troubled recent history, and have been recently put under tighter regulation to correct abuses.
The Bush administration is reluctant, therefore, to give them a bigger role in the mortgage market.
The commercial banks are also against any expansion of the their role, which they say would make the private label mortgage-backed securities market less attractive.
Regulating mortgage brokers
The debate over what long-term changes should be made in the mortgage regulatory system to eliminate the lending abuses of the past decade has proven quite difficult to resolve.

Real estate agents like Suzie Savino are regulated by state laws
The problem is a fight between state and Federal regulators over who should have the main responsibility.
States that have now recognised the problem, for instance Ohio, are worried that the Federal government will opt for the lowest common denominator, and thus introduce standards that are lower than those they have now introduced.
The mortgage industry, on the other hand, would like a uniform national standard, so that it does not have to deal with a multitude of conflicting state regulations.
One compromise - crafted by Barney Frank, chairman of the House Financial Services Committee - would set a minimum Federal standard of good practice, but allow states to go further if they want.
And the House of Representatives has moved swiftly to pass Mr Frank's bill, which was only introduced in October.
It was approved on 15 November by a lopsided vote of 291 - 127, with many Republicans from Northern states hit by the sub-prime crisis breaking ranks to support the measure.
However, Republicans in both the Senate and the White House are warning that the bill goes too far in interfering with mortgage markets, and may make it harder for poor people to get loans in the future.
Restructuring the credit markets
One of the provisions of the bill that has been most strongly opposed by the mortgage industry gives home owners the right to sue the banks who securitised their loans if they did not carry out due diligence in checking that the loans were sold honestly.

Supporters say this is the only way to force the banks that no longer own the mortgages to check them properly, and point out that it limits the damages to the amount of the loan itself, and prevents lawsuits reaching the bondholders who own the mortgages.
Democrats like Maxine Waters, who represents South-Central Los Angeles, have warned the industry to expect even tougher regulation if they do not take more action to stop foreclosures.
But critics of regulation, such as the American Enterprise Institute, argue that any attempt to regulate the $6 trillion mortgage bond market will only have a chilling effect, limiting the availability of mortgages for ordinary people.
But even some conservatives say that the industry as currently structured creates too big a gap between the ultimate owners of mortgages - bondholders around the world - and the mortgage banks who originated the loans.

One proposal, from the former deputy chairman of the Fed, Roger Ferguson, and some European regulators, is to require banks who securitize mortgages to retain a partial equity stake in the loan, to encourage them to scrutinise more carefully whether the mortgages are sound.
There is also strong pressure to regulate the rating agencies, which gave these investments their seal of approval - and perhaps change the current system in which they are paid by the banks issuing the mortgage bonds, not the investors.
Bailing out investors
In the last big banking crisis in the US, when thousands of savings and loan banks went bankrupt after deregulation, the cost to the taxpayer was $150bn - $200bn.

With the Federal budget in deficit, no one at the moment wants to bail out either the banks or the investors who bought these complex and now largely worthless securities, or the borrowers who took out the loans.
Democrats argue that Wall Street should take some of the blame, and therefore financial pain, for the debacle.
Republicans argue that everyone must bear individual responsibility for their bad decisions, and any bail-out would merely encourage banks and individuals to do the same thing again.
However, as the crisis intensifies, and a wave of evictions sweeps America, it may be that tougher laws - and perhaps a compulsory freeze on "balloon" mortgage resets - emerge during the 2008 presidential election year.


On 31 August, President George W Bush appeared in the White House Rose Garden to urge action to deal with a serious crisis in the US economy.
He was flanked by two of the most powerful players in the global economy: US Treasury Secretary Hank Paulson and Federal Reserve Chairman Ben Bernanke.
The sub-prime crisis - which is threatening millions of families in the US with eviction, has created turmoil in the financial markets, and lead to serious disruption to the US economy and housing market - had moved to the top of the political agenda.
Action was required, so the Fed intervened by providing massive short-term liquidity to preserve the banking system and cut interest rates twice, the first time by half a percentage point.
This was followed, perhaps belatedly, by new and tougher regulation of the mortgage industry, with new limits on sub-prime "balloon" mortgages, whose payments are fixed for 2 years and then rise sharply to a much higher variable rate.

Recent disturbances in the sub-prime mortgage industry are modest in relation to the size of our economy
President George W Bush
Bush moves to ease lending crisis
Both the Bush administration and the Democrats, which control both Houses of Congress, have been searching for bipartisan solutions that will solve the crisis and provide help to the millions of people - including many victims of predatory lending - now facing eviction.
But deep ideological divisions between the two sides - with the Democrats favouring much tighter regulation of the industry, and the Bush administration looking to private sector solutions - is hampering attempts to reach an early resolution of the problem.
And the two sides also disagree on how severe an impact the crisis will have on the US economy.
Stopping foreclosures
The most urgent problem is to help the millions of homeowners who were sold "balloon" sub-prime mortgages in the past two years, whose interest rates are now set to double, leading to evictions and repossessions - known as foreclosures in the US.
The Bush administration's point man on this issue, Treasury Under Secretary Robert Steel, says he focuses on this issue every day.
"Our role is to ensure that lenders and servicers are being flexible with regard to working with the borrowers," he says in an interview with BBC News.

Our role is to ensure that lenders and servicers are being flexible with regard to working with the borrowers
Robert Steel, US Treasury Under Secretary for Domestic Finance
See the full interview with Robert Steel
The Treasury plan is to bring together lenders and borrowers to work out individual voluntary agreements to avoid foreclosure.
It has created a joint private-public task force, Operation Hope (Home owner protection effort), to encourage lenders to take a softer line, whilst also urging borrowers to tell lenders earlier when they run into financial difficulties.
Yet less than 1% of sub-prime mortgages are successfully renegotiated. Many housing aid agencies say it is impossible for lenders to individually renegotiate the "tidal wave" of troubled mortgages in time to stop foreclosures.

The Fed estimates that every three months, 450,000 families will face sharply higher mortgage rates over the next two years.
They have urged mortgage pools and mortgage servicers to "pursue loss mitigation strategies that preserve home ownership" and to contact borrowers before mortgages go up.
And they are urging a more uniform approach among the lenders on which borrowers will qualify for relief from foreclosure.
The most radical proposal has come from an unlikely source.
Sheila Bair, the head of the Federal Deposit Insurance Corporation, which regulates bank deposits, has suggested a complete freeze on any interest rate increase on these "ballon" mortgages, as long as the mortgage-holder is not already in arrears on his payments.
But she has faced fierce criticism from the mortgage industry, which believes that this would create what economists describe as "moral hazard" - with people who bought more insecure mortgages getting better protection from eviction than people with ordinary mortgages - and thus encouraging people to get more risky mortgages in the future.
Reviving the mortgage markets
The sub-prime crisis has paralysed the mortgage-lending industry, as bondholders are loath to buy mortgage-backed securities unless they are guaranteed by the government.

US property crash hits economy
This has made much more difficult for individuals to get mortgages if they do not qualify for "prime" mortgages funded by the government-sponsored Freddie Mac and other mortgage agencies.
This includes well-off borrowers who want "jumbo mortgages" over $417,000 (£204,000), as well as borrowers with weak credit histories. In all, this includes about a third of all borrowers.
The Democrats, and Freddie Mac itself, say that a quick way to help ease the situation would be to temporarily expand the role of these agencies.
TYPES OF US MORTGAGES
Sub-prime: at a higher rate of interest for people with poor credit history and low income
Alt-A: at a higher rate of interest for people with poor credit history but better jobs
Jumbo: mortgages over $417,000 and not backed by government guarantee
Prime: mortgages under $417,000 backed by government guarantee with stricter loan conditions (also called 'conforming')
They want the government to raise the limit on the maximum size of the mortgages they can insure to $1m, and they want a big increase in the cap that limits the total amount they can provide to the mortgage-backed securities market.
But these agencies have had a troubled recent history, and have been recently put under tighter regulation to correct abuses.
The Bush administration is reluctant, therefore, to give them a bigger role in the mortgage market.
The commercial banks are also against any expansion of the their role, which they say would make the private label mortgage-backed securities market less attractive.
Regulating mortgage brokers
The debate over what long-term changes should be made in the mortgage regulatory system to eliminate the lending abuses of the past decade has proven quite difficult to resolve.

Real estate agents like Suzie Savino are regulated by state laws
The problem is a fight between state and Federal regulators over who should have the main responsibility.
States that have now recognised the problem, for instance Ohio, are worried that the Federal government will opt for the lowest common denominator, and thus introduce standards that are lower than those they have now introduced.
The mortgage industry, on the other hand, would like a uniform national standard, so that it does not have to deal with a multitude of conflicting state regulations.
One compromise - crafted by Barney Frank, chairman of the House Financial Services Committee - would set a minimum Federal standard of good practice, but allow states to go further if they want.
And the House of Representatives has moved swiftly to pass Mr Frank's bill, which was only introduced in October.
It was approved on 15 November by a lopsided vote of 291 - 127, with many Republicans from Northern states hit by the sub-prime crisis breaking ranks to support the measure.
However, Republicans in both the Senate and the White House are warning that the bill goes too far in interfering with mortgage markets, and may make it harder for poor people to get loans in the future.
Restructuring the credit markets
One of the provisions of the bill that has been most strongly opposed by the mortgage industry gives home owners the right to sue the banks who securitised their loans if they did not carry out due diligence in checking that the loans were sold honestly.

Supporters say this is the only way to force the banks that no longer own the mortgages to check them properly, and point out that it limits the damages to the amount of the loan itself, and prevents lawsuits reaching the bondholders who own the mortgages.
Democrats like Maxine Waters, who represents South-Central Los Angeles, have warned the industry to expect even tougher regulation if they do not take more action to stop foreclosures.
But critics of regulation, such as the American Enterprise Institute, argue that any attempt to regulate the $6 trillion mortgage bond market will only have a chilling effect, limiting the availability of mortgages for ordinary people.
But even some conservatives say that the industry as currently structured creates too big a gap between the ultimate owners of mortgages - bondholders around the world - and the mortgage banks who originated the loans.

One proposal, from the former deputy chairman of the Fed, Roger Ferguson, and some European regulators, is to require banks who securitize mortgages to retain a partial equity stake in the loan, to encourage them to scrutinise more carefully whether the mortgages are sound.
There is also strong pressure to regulate the rating agencies, which gave these investments their seal of approval - and perhaps change the current system in which they are paid by the banks issuing the mortgage bonds, not the investors.
Bailing out investors
In the last big banking crisis in the US, when thousands of savings and loan banks went bankrupt after deregulation, the cost to the taxpayer was $150bn - $200bn.

With the Federal budget in deficit, no one at the moment wants to bail out either the banks or the investors who bought these complex and now largely worthless securities, or the borrowers who took out the loans.
Democrats argue that Wall Street should take some of the blame, and therefore financial pain, for the debacle.
Republicans argue that everyone must bear individual responsibility for their bad decisions, and any bail-out would merely encourage banks and individuals to do the same thing again.
However, as the crisis intensifies, and a wave of evictions sweeps America, it may be that tougher laws - and perhaps a compulsory freeze on "balloon" mortgage resets - emerge during the 2008 presidential election year.

The hands behind bread and pastries

How does it feel to be working while most people are sleeping? In the fourth of a series following those who drive Britain's 24-hour society through the small hours, we visit a bakery.
"I'm immune to the smell," declares Robert Ziola as we arrive at the industrial unit in Greenford in West London. It's hard to believe, as an overpowering aroma fills the evening air.

Rising early to make a crust
In pictures
But for Robert and his business partner Piotr Tomicki, it is the aroma that has accompanied their working lives for more than a decade.
The smell of fresh bread wafting out is deeply tantalising. But it does not evoke your typical British bloomer. Instead it has a distinct malt edge.
Instead it is rye bread - the signature product of Robert and Piotr's Village Bakery, which specialises in goods from their native Poland.
It's Friday night and the weekend is about to begin, but for the night team work has just started.
Production line
Six bakers in white outfits busy away in a room next to the main corridor.
It is here that dough is mixed, shaped, baked and transformed into hot loaves that will end up in shops all over the country.
Marcin Saldos and Rafal Sgraja, both in their mid-20s, deftly lift a tray of freshly rolled dough into the oven's top shelf. Heat blasts out of the oven, forcing Marcin to wince. He adjusts his cap and wipes his brow.
Behind them, Piotr Drobnik concentrates hard as he pours flour into a new dough mixture. A trace of flour misses his dark moustache, but settles on his chin.
And Adam Chatys, feeds dough into a machine like a helter-skelter which turns it into dollops.
The workers are focused and exchange few words, except to answer Robert in Polish, when he pops his head round the doorway.

Marin Pawlick mixes the ingredients to make the dough
"It is non-stop," says Robert proudly, wheeling a stack of shelves along the corridor, laden with rye and poppy seed bread that has just been sliced.
All the workers have to do night work and rotate between three eight-hour shifts.
Marins Pawlick, who came the UK with his family two years ago from Katowitz, looks baffled when asked whether working at night is hard.
Production is non-stop
Robert Ziola, founder, Village Bakery
"In Poland it was harder, the shifts were 12 hours and always at night," he says in Polish.
Despite the higher cost of living, the £6 hourly wage gives him a better life than he could get at home.
All the while chart music streams out of a small radio perched on a high shelf in a language none of them speaks - English.
Community
As the corridor fills up with bread , the scale of the output becomes apparent. It is called the Village Bakery, but there is nothing small about this business. Robert recalls the first day of production, on April 22 2004.
"On day one we made 70 loaves. Today we make 10,000, maybe 12,000 every day," he says, beckoning to show me the first oven he and Piotr shipped over for the task.
"It is East German and uses gas. Everyone wanted electricity so it was very cheap. It was perfect for us."
The investment has paid off - gas prices have since risen sharply. "And look," he says, opening one shelf. "Each level has a separate temperature."

Coming to the UK is an adventure
Adam Chatys, new recruit at the Village Bakery
In the past year the firm had added supermarket chain Morrisons to its clients, though it is represents a fraction of business - about 5%. The vast majority of customers remain specialty delis and shops.
The firm recently opened a new bakery in Manchester. "It is very modern," says Robert, beaming.
Prospects
Adam Chatys, who says he is 25 - but could easily pass for 18 - only started weeks before. He seems utterly unfazed about moving to a new country where he can't speak the language.
"It is an adventure" he says several times, while the dough tumbles out in round dollops, ready for baking.
And he seems equally unperturbed about the change to a big city from a small village in Poland. This is partly explained when he describes Greenford: "It is very Polish," he says.
From his village alone are two other employees at the Village Bakery.
For pastry chef Jan Kazmierczak, coming to the UK has been more than an adventure - it has been a life-line.
"I had my own bakery in Poland, but it went bankrupt," he says. "Getting work when you're over 40 is hard".
Natural
Seeing the bustling Village Bakery on a Friday night is proof of the strong demand from Poles for their own products. The rye flour - the most important ingredient - is imported from Poland.

English bread, especially in supermarkets, has many many preservatives
Robert Ziola, founder, Village Bakery
When asked the difference between Polish and British bread Robert looks up to find the right words, gesturing with his hands as if he is squeezing a fresh loaf.
"In England, he is soft," he says. "And he stays soft, for maybe a week. In Poland our bread, after one day he is hard."
But longer-lasting bread has its downside. English bread, especially in supermarkets, has "many, many preservatives," he adds.
"We use no preservatives. It is all 100% natural. Nothing except flour yeast, water and salt are used."
Along the corridor, two women sit in a narrow room side by side, sitting behind slicing machines as if they were typewriters. They feed loaf after loaf into the slicer, before packaging them.
A large stack of rich-looking "Napoleon cakes" - filled with strawberries and "totally natural" cream - is wheeled out. A van is being filled with supplies for distribution.
We leave while another batch of dough is beginning to rise. By morning hundreds of loaves will be cooked and packaged for breakfast tables across the UK.

Oil prices rise after Opec summit

Oil prices rose in Monday trading after leaders of producers' cartel Opec decided not to increase production at their latest meeting.
US light crude added 81 cents to $94.65 a barrel in late New York trade after hitting as high as $95.15.
Supply fears have pushed up the price of oil recently, sending US light crude to $98.62 at the start of November.
With the dollar weakening, investors have been placing their money in commodities as an alternative.
'Little effect'
Opec's decision not to increase supplies following its latest meeting came despite calls from US Energy Secretary Samuel Bodman.
Even if the Opec ministers decide to raise output in early December... the winter season would essentially be over
Victor Shumenergy analyst
The 12-nation producers group next meets at the start of December in the United Arab Emirates.
Some analysts say that even if Opec decides to increase output next month, it will not have an effect on prices ahead of the key Christmas period in the US and other Western nations.
"Even if the Opec ministers decide to raise output in early December, that would likely become effective only in January so by the time the oil gets to the market, the winter season would essentially be over," said Victor Shum, an energy analyst with Purvin & Gertz in Singapore.
Dollar issue
Opec leaders have commented that an increase in oil production would do little to lower prices, as they blame the higher cost of oil on the weak dollar, the currency in which crude is priced.
The weaker dollar has been driving up oil prices as investors have been using the commodity as an alternative to holding dollars.
Oil prices have risen by 60% this year and some analysts say that $100-a-barrel oil is inevitable.
Adjusting for inflation, US light crude's record peak of $101.70 came in 1980 against a backdrop of war between Iraq and Iran.
Earlier, disagreements about whether to continue pricing oil in dollars surfaced at the Opec meeting when private discussions were accidentally broadcast live.
Venezuela and Iran, in particular, argued for a change in policy.


Global stocks fall on credit fear

Global stocks have slumped amid fears over the fallout of the credit crisis, after Goldman Sachs downgraded Citibank and forecast $15bn (£7.3bn) in losses.
The Dow Jones industrial average fell 217.86 points, or 1.65%, to end at 12,958.93 - its lowest level in three months. The Nasdaq shed 1.33%.
London's FTSE lost 170.4 points at 6,120.8 - its biggest drop since the credit crisis peaked in August.
European stocks also fell more than 1% in both France and Germany.
The benchmark Frankfurt Dax shed 1.3% and the Paris Cac ended 1.7% lower.
"It is once again the financial sector that has led to the latest bout of nervousness," said Phillip Vorndran, strategist at Credit Suisse Asset Management.
'Aftershock'
Goldman Sachs recommended that investors in Citigroup sell their shares, prompting concerns that the impact from the credit crisis could be more dramatic than originally thought.
The negative outlook for banking giant Citigroup comes after the bank said it expected to see between $8bn and $11bn in writedowns in the fourth quarter.
"It's dreadful. There's been aftershock after aftershock from the credit crisis," said Brian Gendreau, strategist at ING Investment.
"A major bank downgrading another major financial institution to 'sell' - that's unusual," he added.
Citigroup dropped 5.9% by close of trade. Other finance firms to fall included Bank of America, down 3.5%
Worries about more losses to come were also stoked after reinsurance firm Swiss Re announced $1.07bn Swiss francs in writedowns.
Meanwhile in the UK, Northern Rock was the biggest faller, down 21.4% after the institution described bids for the firm as being "materially below" its share price.
Other finance firms to fall included Royal Bank of Scotland, down 5.3%, while Alliance & Leicester dropped 4.2%.
Wider impact
But it was not just finance firms that were hard hit on Monday.
Auto firms and airlines also saw their stocks decline, as fears over the slowing US housing sector fed into wider concerns about the state of the US economy.
GM saw its stock at its lowest for nearly 18 months, at $26.57, and fell 8.5%v overall to end at $26.79.
Delta Airlines dropped 4.8% and Continental Airlines shed 6%.


Aid battle for Bangladesh victims

Rescue and relief teams have reached most of the remote areas of Bangladesh affected by one of the worst cyclones in recent years, officials say.
But the situation on the ground remains grim, with untold numbers of desperate survivors still short of the most basic necessities of food and drinking water.
Cyclone Sidr has killed more than 3,000 people and millions are now homeless.
The country's interim leader Fakhruddin Ahmed has visited some of the worst-hit areas, as foreign aid pledges pour in.
The Bangladeshi minister in charge of disaster management, Tapan Chowdhury, told the BBC that his administration had received offers of $140m (£70m) worth of international emergency aid.
The government has now been able to make food drops to places which were not reachable immediately after the cyclone, he said.
Basic necessities
Cyclone Sidr, which struck late on Thursday, brought winds of up to 240km/h (150mph) and a tidal surge of several metres.
It brought down power lines and wiped out vital crops.
We have no food, we are trying to survive with eating whatever is edible that we can lay our hands on
Survivor
Aid shortfall
'The worst storm of our lives'
In pictures: Storm aftermath
Some 500,000 homes have been destroyed, and 845,000 households have been affected, according to the British Red Cross.
Bangladesh's Red Crescent society says up to 10,000 may have died.
Tens of thousands of survivors are now struggling for basic necessities like tents, rice, medicines and drinking water.
Mr Chowdhury says the government is working to provide shelter and help with rebuilding, as well as setting up a programme to re-stock the country's farms with seeds and fertiliser.
But the BBC's Mark Dummet in Bangladesh says many remote communities along the south-western coast say they have not yet received any help.
Coastal Bangladesh is a maze of waterways, creeks, islands and sandbanks and the only way to get help to the hundreds of thousands of survivors of the massive storm is by boat.
The BBC's Alastair Lawson, who is also in the country, says some survivors have not been able to eat since the storm struck, and that he has witnessed villagers fighting over rice.
One survivor told the BBC: "We have no food, we are trying to survive with eating whatever is edible that we can lay our hands on.
'Quick reaction'
Among major donors is Saudi Arabia, which has pledged $100m in aid. The UK is sending $5m and the US will provide $2m in aid, Secretary of State Condoleezza Rice has announced.
A spokesman for the UN World Food Programme in Bangladesh, which is overseeing the aid operation, said agencies had reacted "quickly and swiftly".

Satellite map of affected area, and the path of Cyclone Sidr
Enlarge Map
The government has denied suggestions that it is not up to the relief task.
Its early-warning system is being credited with saving many lives, but the damage to property and crops has been massive.
Officials say that in many areas 95% of rice which was awaiting harvest has been destroyed, and shrimp farms and other crops were simply washed away.
Cyclone Sidr comes just a few months after floods devastated the north of the country.
Southern Bangladesh is hit every year by cyclones and floods, but Cyclone Sidr is the most destructive storm to hit the country in more than a decade.
Another storm in 1991 left some 143,000 dead.