The DNA Database & We

Ancestry Websites Giving FBI Access to DNA Data; WikiLeaks Reveals CODIS Database Gifted To Other Countries; DHS Rolling Out Rapid DNA Nationwide

By Aaron Kesel

The FBI is abusing ancestry genealogy websites by tapping into their DNA data. What’s worse, these companies are giving up users’ data under presumed consent that is buried in their terms and conditions, according to several reports.

FamilyTreeDNA is the first company known to be cooperating directly with the FBI to give its agents access to its genealogy database, according to a BuzzFeed report.

A Family Tree DNA spokesperson told BuzzFeed that FamilyTree DNA’s agreement with the FBI gives the agency the ability to search more than a million genetic profiles — the majority of which were given by their customers without knowledge of the company’s relationship with the FBI. As part of the arrangement, Family Tree DNA has further agreed to test DNA evidence and identify the remains of deceased individuals in violent crimes for the FBI in its own laboratory.

In a statement, FamilyTreeDNA said that customers have the ability to opt out of matching features in their account settings. Doing so would prevent law enforcement from accessing their genetic information, but it also means a user would be unable to find potential family members through the service. According to Gizmodo, the company also seems to admonish those who choose to opt out by suggesting that it could be a “moral responsibility” to give up their private health information to the FBI.

However, the fact of genealogy companies are being subpoenaed by law enforcement isn’t a secret. In fact, it’s in the disclosures on their websites — FamilyTreeDNAAncestryDNA, and 23andMe.

Forensic magazine reports that the FBI had previously had access to FamilyTreeDNA’s database before the partnership with the FBI.

After news broke that the FBI was accessing user data, FamilyTreeDNA announced that it would allow its customers to bar law enforcement from accessing their data, Engadget reported.

As an interesting corporate connection to make, one of the co-founders of 23andMe, Anne Wojcicki, is married to Google’s Sergey Brin. Unsurprisingly, Google Inc. also backs the DNA analysis company.

Last year, Drug giant GlaxoSmithKline invested US$300 million in the DNA-testing company in a deal that should raise eyebrows. A drug company working together with a DNA database company … what could possibly go wrong?

Under the deal, GSK has exclusive rights for four years to use 23andMe’s DNA database to develop new medicines using human genetics.

Activist Post reported last year Houston police launched a pilot program with the company ANDE to test a machine called Rapid DNA that runs DNA tests in under two hours.

Local news station KHOU11 reported,

“This rapid DNA is the future. It comes down to when mathematicians stopped using abacuses and started using calculators. It’s that important to criminal justice,” said Lt. Warren Meeler, Houston Police Department, Homicide Division.

As part of the test program, proper protocol for using the technology has been to swab each piece of evidence twice. First, the Houston Forensic Science Center (HFSC) takes an official sample for the lab, then Houston police take a second sample for the trial machine.

Rapid DNA results can’t be used in court, and the technology is only used for investigations in Houston, according to the news outlet.

The technology has some forensic scientists worried about whether it should be used at crime scenes, warning about the accuracy of the technology.

“I think everybody is comfortable that if there is a high concentration of DNA from a single source, so an oral swab from an individual, we’re confident the instruments produce good data. The questions start to come in circumstances where we’ve got touch DNA — smaller quantities of DNA, more mixtures, there’s more people on that doorknob that I’m swabbing – there I’m not sure anybody knows yet,” said Dr. Peter Stout, President and CEO of the Houston Forensic Science Center.

However, further research shows that Houston isn’t the only city using rapid DNA, police departments across the country—have rolled out their own pilot programs to test these miniature portable DNA lab machines that originate from the DHS.

“Rapid DNA, a newly commercialized technology developed by the Department of Homeland Security (DHS) Science and Technology Directorate (S&T), addresses these challenges by greatly expediting the testing of deoxyribonucleic acid (DNA) that is the only biometric that can accurately verify family relationships. This technology can be used on the scene of mass fatality events, in refugee camps around the world, or at immigration office,” the DHS’s website reads.

Police departments in Maryland,  PennsylvaniaSouth CarolinaFloridaUtah Arizona TexasCalifornia and in Delaware are or will be using DHS’s Rapid DNA.

An article in ProPublica warns that “over the last decade, collecting DNA from people who are not charged with — or even suspected of — any particular crime has become an increasingly routine practice for police.”

Congress enacted the “DNA Identification Act of 1994” authorizing the FBI to maintain a centralized, national DNA database and to develop a software system to allow for the sharing of information within and between states for law enforcement. By 2004, the resulting system – the Combined DNA Index System (CODIS) – connected the databases of all fifty states, which at that time were limited to profiles from those convicted of serious, violent crimes. Signed into law by President George W. Bush on October 30, 2004, the “Justice For All Act”  greatly expanded the CODIS system, allowing collection of DNA from all federal felons and further enabling states to upload to CODIS profiles from anyone convicted of a crime according to a secret congressional WikiLeaks document entitled: “DNA Evidence: Legislative Initiatives in the 106th Congress.”

On January 5, 2006, a barely noticed piece of legislation entitled the “DNA Fingerprint Act of 2005” was also signed into law by President George W. Bush, that severely expanded the government’s authority to collect and permanently retain DNA samples. The bill slipped through virtually unnoticed because the law was, buried in the back of the Violence Against Women Act (VAWA) reauthorization bill.

Unbeknownst to the public, the bill granted the government authority to obtain and permanently store DNA from anyone who is arrested as well as non-U.S. citizens detained under federal authorities like Border Control and DHS.

In December of 2015 nearly 10 years later, results from a rapid DNA device were submitted as evidence in a successful murder prosecution for the first time attempted murder case in Richland County, South Carolina. (That article now has been curiously deleted from Reuters and is only available on archive.org)

A bill before Congress, introduced on December 2015 by Sen. Orin Hatch, R-Utah, called for profiles collected by Rapid DNA devices to be connected to the FBI’s Combined DNA Index System, or CODIS, the software and national database that stores DNA profiles from federal, state and local forensic laboratories.

During a Senate committee hearing on the Rapid DNA Act of 2015, disgraced former FBI Director James Comey said that passage of the bill “would help us change the world in a very, very exciting way. It will allow us, in booking stations around the country, if someone’s arrested, to know instantly—or near instantly—whether that person is the rapist who’s been on the loose in a particular community before they’re released on bail and get away or to clear somebody, to show that they’re not the person.”

In 2017, Sen. Charles Grassley (R-IA) introduced “the SECURE Act” (S. 2192) on December 5th. The bill largely borrows from two other federal bills—H.R. 3548 and S. 1757

The Rapid DNA Act of 2017, S.139 and HR.510 passed last year, amended the DNA Identification Act of 1994, allowing previous hurdles to be surpassed by the new technology.

The bill was sponsored by U.S. Senate sponsor Senator Orrin Hatch (R-UT) and lead co-sponsor Senator Dianne Feinstein (D-CA) as well as House sponsor Congressman James Sensenbrenner (R-WI) and lead co-sponsor Congressman Eric Swalwell (D-CA), along with 12 Senate and 24 House co-sponsors for their support, Business Wire reported.

“Today marks a landmark day in more efficiently fighting crime and supporting law enforcement,” stated Robert Schueren, President and CEO of IntegenX. “IntegenX products have already enabled numerous DNA profile uploads to our nation’s DNA database (CODIS). We look forward to the updated FBI guidelines, and subsequent CODIS uploads from the booking environment.”

“Rapid DNA is a promising new technology and an effective tool for law enforcement – I’m thrilled to be seeing it signed into law. This technology will help quickly identify arrestees and offenders, reduce the overwhelming backlog in forensic DNA analysis, and make crime fighting more efficient while helping to prevent future crimes from occurring. It will also save time and taxpayer dollars,” commented Congressman Sensenbrenner, Chairman of the House Judiciary Subcommittee on Crime, Terrorism, Homeland Security and Oversight.

“This bill will help law enforcement agencies solve crimes faster and help those wrongfully accused to be exonerated from crimes they did not commit—almost instantly. The Rapid DNA Act updates the statutory framework in how DNA samples are entered into the FBI’s Combined DNA Index System by allowing the use of this remarkable Rapid DNA technology,” stated Senator Hatch.

In 2017, President Trump signed into law the Rapid DNA Act, which, enables police booking stations in several states to connect their Rapid DNA machines to CODIS, the national DNA database.

But CODIS isn’t only shared by the states. We learn from a Plus D WikiLeaks release, that the DNA information processing and telecommunications system was gifted to Argentina in 2009 by U.S. Ambassador Earl Wayne, according to a cable. The system was gifted to “help the province solve crimes and exonerate innocent suspects.”

“On the very topical issue of crime and personal security, the Ambassador helped launch the province’s participation in the Combined DNA Indexing System (CODIS). CODIS, an automated DNA information processing and telecommunications system, was donated by the FBI,” the cable reads.

Meanwhile, another WikiLeaks Plus D cable talks about “specialized training and state of the art equipment donations enabling Colombian forensic labs to investigate human rights violations more effectively. These donations included the enhancement of DNA analyzers and the CODIS database; upgrading of the Integrated Ballistics Identification System (IBIS); updating of forensic imaging and document analysis systems; upgrading of the automated fingerprint identification system; and the design and installation of a wireless network providing inter-agency connectivity and information sharing,” according to the cable, entitled: “SUPPORTING HUMAN RIGHTS AND DEMOCRACY: THE U.S. RECORD IN COLOMBIA 2004-2005.”

This leads us to several questions.  First, how many more countries were given access to the CODIS system; is this DNA database shared amongst countries in an agreement similar to the Five Eyes spying arrangement, or did the U.S. sell the software similar to the infamous PROMIS software? And, like PROMIS (Inslaw scandal), does this software have a backdoor for U.S. intel agencies to access other countries’ DNA data?

These are all questions we should find ourselves asking.

Even the DHS is looking into using the Rapid DNA technology for immigration purposes to stop adults fleeing with kids and ensure that they are their actual relatives. But later the DHS postponed the technology in 2015 to develop a stricter protocol for its use, Nextgov reported.

“The implementation of the program has been postponed until new voluntary consent forms are developed as well as operational protocols for translation,” Department of Homeland Security spokesman John Verrico told Nextgov in an email.

DHS documents obtained by the EFF state that the military may be interested in using rapid DNA in the future to reveal information about individuals such as their sex, race, health, and age.

In a 2013 privacy impact assessment for Rapid DNA pilot testing, the DHS stated that the portion of DNA analyzed by the devices does not reveal any “sensitive information about an individual, and will not, under any circumstances, be used for decisions based on those criteria.”

The EFF disagrees with Comey and the DHS, and has previously stated that the test pilot DNA program “may create controversy,” according to internal documents obtained by the Electronic Frontier Foundation civil liberties group. In a high priority e-mail from 2011, a DHS officer wrote to colleagues that “if DHS fails to provide an adequate response to media inquiries regarding RapidDNA quickly, civil rights/civil liberties organizations may attempt to shut down the test program.”

There are already numerous issues with keeping a DNA data bank. Privacy and civil rights advocates and watchdog groups have argued against the practice in California of retaining DNA from legally innocent people, thereby violating constitutional privacy rights, Mercury News reported.

Further, forensic labs (including the FBI) have shown flaws over the last few years exposing shoddy laboratory procedures including – grossly inaccurate testimony by law enforcement, and, in a few cases, outright false documentation or mixing up of results. DNA has been constantly linked to the wrong person similar to facial recognition biometric data.

If that’s not all reason enough for us to be skeptical about these systems, in 2015, the FBI found DNA data errors within its own national CODIS database, The Washington Post reported.

In another case, familial DNA was the culprit responsible for a false positive on a murder in Idaho. This resulted in Michael Usry in a police station with an FBI agent cotton swabbing him as he was completely confused by what was happening, Wired reported in 2015.

While genetics might be able to identify a felon, forensic scientists and lawyers agree that the information gathered can’t be able to gather more than that. As the Supreme Court wrote in its Maryland v King decision to allow DNA collection, this issue is “open to dispute.”

Forensic magazine notes the dangers of a DNA database, stating its a threat to “medical privacy.”

These genetic databases are an absolute gold mine for law enforcement. I am not sure anyone can argue that catching serial killers and rapists, or using CODIS for tracking missing children is bad; however, problems start to arise when these genetic databases are used to target people for deportation or sweep up the completely innocent in its dragnet.

Along with facial recognition, DNA databases are the first step towards an Orwellian society where the government knows your whereabouts, at all times. It’s a nightmarish outlook for our future; but what’s worse in some instances, like in the form of DNA, we are being tricked to give up our freedoms and privacy.  As a CRS Congressional “think tank” report warned:  “future DNA collection cases might raise graver Fourth Amendment privacy concerns than previous cases.”

The FBI plans to begin rolling out Rapid DNA to more police departments slowly in 2019, according to a Washington Post report.

“Our goal in 2019 is to be able to have a pilot project done where we actually develop a DNA profile in a booking station, with no human review, and have it electronically enrolled and searched in the national database,” Thomas Callaghan, chief biometric scientist for the FBI Laboratory, told the news outlet. “We have to ensure that the quality that’s done in a lab can be done in a booking station.

Aaron Kesel writes for Activist Post. Support us at Patreon. Follow us on Minds, Steemit, SoMee, BitChute, Facebook and Twitter. Ready for solutions? Subscribe to our premium newsletter Counter Markets.

from:    https://www.activistpost.com/2019/04/ancestry-websites-giving-fbi-access-to-dna-data-wikileaks-reveals-codis-database-gifted-to-other-countries-dhs-rolling-out-rapid-dna-nationwide.html

South Dakota Depriving Right of Peaceful Protest

Civil liberties organizations and activists are pushing back against new laws which criminalize protests and free speech related to pipeline projects.

In late March, a coalition of Native activists, the American Civil Liberties Union (ACLU), and the ACLU of South Dakota filed suit against the State of South Dakota in an effort to repeal recently passed state laws aimed at curbing “rioters” during the upcoming construction of the TransCanada Keystone XL pipeline. South Dakota Senate Bill 189 and SB 190 have created controversy due to the potential to prevent peaceful and legal protest of environmental projects.

Senate Bill 189, also known as the Riot Boosting Act, grants the state the authority to sue any individual or organization for what they call “riot-boosting,” or encouraging and/or participating in acts of force or violence. SB 190 sets up funding to pay for state, county, and local police to combat potential pipeline protesters. This means that any individual who is attending a protest or rally against the Keystone Pipeline (or other future pipeline) could become subject to civil or criminal penalties, whether they engage in violence or not. The plaintiffs in the suit argue that the language of the bill is vague and does not clearly define what type of conduct or speech is considered “riot-boosting” or encouraging a riot.

The Washington Times reports that South Dakota Gov. Kristi Noem has stated that the legislation will help shut down protests of the Keystone XL Pipeline and prevent a battle between protesters and police as was seen during the construction of the Dakota Access pipeline in North Dakota in 2016. The Times notes that Noem believes protesters were funded by “out-of-state liberal donors, such as George Soros.” South Dakota State Sen. John Wiik said the introduction of the new laws “stems from what happened up at Cannonball, North Dakota.”

Plaintiffs on the lawsuit include the NDN Collective, the Indigenous Environmental Network, the Sierra Club, Dakota Rural Action, Dallas Goldtooth of the Indigenous Environmental Network, and Nick Tilsen, President and CEO of the NDN Collective.

Gov. Kristi Noem’s legislation is yet another way to promote Big Oil interests and prevent dissent by making protesters subject to legal action,” says Kim Pate, Vice President of NDN Collective.

The NDN Collective recently wrote that the broad language in SB 189 means that “anyone that contributes to a protest, whether through monetary donations, donations of supplies, or even through organizing a page on social media, can be held liable, and have civil and criminal penalties for supporting a protest that the state deems ‘violent‘.” Further, the law states that individuals or organizations can be held liable even if they are not on the ground in South Dakota. The NDN Collective also states that the law would allow TransCanada to redirect money seized from protesters and organization towards pipeline construction.

The ACLU of South Dakota has also condemned the new laws, stating, “We’re prepared to stand on the front lines and defend your right to peacefully protest and express your opinions freely.”


Featured image credit: Emma Fiala

 

from:    https://themindunleashed.com/2019/04/south-dakota-sued-preventing-standing-rock.html

Herd Immunity, “Germ Free-dom”, & Vaccines

Dear America, You Cannot Be Pro-Freedom and Pro-Forced Vaccinations at The Same Time

March 31, 2019

Dear America, You Cannot Be Pro-Freedom and Pro-Forced Vaccinations at The Same Time

Bretigne Shaffer, FEE
Waking Times

It’s hard to think of a more fundamental right than the right to determine what happens to one’s own body. Forcing someone to undergo medical treatment against their will violates this most basic of rights—the right to be free from physical assault. Yet even somelibertarians have jumped on the mandatory vaccination bandwagon, arguing that one person not taking every possible precaution against contracting a disease constitutes an assault against another. But this line of thinking requires some very tortured logic

To begin with, nobody has a “right” to a germ-free environment outside of their own property (and good luck establishing one there). Proponents of vaccine mandates assert this “right” as if it is a long-standing social or legal norm, but it is not. Human beings have been living among each other for millennia, and there has never been a widely asserted right to freedom from any and all pathogens at others’ expense.

There has, historically, been a widely held and asserted expectation of quarantine in the case of exceptionally dangerous illnesses. However, this is not at all what the proponents of mandated vaccines are calling for. Quarantine is simply the demand that those who are already infected with a disease remain isolated in their homes or elsewhere until they are no longer able to infect others.

This is profoundly different from what the pro-mandate crowd demands: that those who are not infected undergo a medical procedure to minimize their chances of becoming infected. This is a much more intrusive demand and a potentially dangerous one.

Furthermore, measles—the scariest thing the mandate pushers can come up with—is not even on the list of federally quarantinable diseases. And rightly so, as it hardly qualifies as an exceptionally dangerous disease in the developed world.

Long before the vaccine was available, the mortality rate had fallen to around 1 in 10,000 cases, and it was widely considered to be a benign childhood illness that nearly everyone contracted.

So what has changed in the last few years? How is it that all of a sudden, measles has gone from a disease not even worthy of mandatory quarantine for the infected to one that has generated near-mass hysteria and demands for the far more intrusive forced medical intervention against those who are not infected?

In 2016, then-Libertarian presidential candidate Gary Johnson announced that he had reversed his position on vaccine mandates and now supported them. The reason? Someone told him about herd immunity:

…I’ve come to find out that without mandatory vaccines, the vaccines that would in fact be issued would not be effective. So … it’s dependent that you have mandatory vaccines so that every child is immune. Otherwise, not all children will be immune even though they receive a vaccine.

Had Johnson looked just a little more deeply, he would have learned that the theory of vaccine-induced herd immunity is not as solid as its proponents would have us believe. The idea was first put forward by A.W. Hedrich in 1933, based on his observation that measles outbreaks were suppressed when 68 percent of children had contracted the measles virus. This observation had nothing to do with vaccination, as the measles vaccine had not even been developed yet.

This is an important distinction for a few reasons. Perhaps most importantly: While the immunity conferred by contracting measles lasts a lifetime, that conferred by vaccination does not. What this means is that a 90 percent vaccination rate does not equate to 90 percent of the population having immunity. As Dr. Russell Blaylock says:

It was not until relatively recently that it was discovered that most of these vaccines lost their effectiveness 2 to 10 years after being given. What this means is that at least half the population, that is the baby boomers, have had no vaccine-induced immunity against any of these diseases for which they had been vaccinated very early in life. In essence, at least 50% or more of the population was unprotected for decades.F

If we listen to present-day wisdom, we are all at risk of resurgent massive epidemics should the vaccination rate fall below 95%. Yet, we have all lived for at least 30 to 40 years with 50% or less of the population having vaccine protection. That is, herd immunity has not existed in this country for many decades and no resurgent epidemics have occurred. Vaccine-induced herd immunity is a lie used to frighten doctors, public-health officials, other medical personnel, and the public into accepting vaccinations.

The larger point, though, is that even if the idea of vaccine-induced herd immunity did hold up to scrutiny, it would at best be a positive externality—not something that anyone has the right to demand from others at gunpoint.

Others have written more comprehensively on the fallacy of using medically fragile people as an excuse for forcing everyone to be vaccinated. So I’ll just say this: Nobody has an obligation to vaccinate themselves or their children in order to protect the most medically vulnerable among us.

My own daughter is intellectually disabled and suffers from seizures. Much of the outside world is a dangerous and scary place where she could easily be badly hurt or worse. Yet I would never dream of using force to compel those around me to make the world safe for my daughter. Keeping her safe is my job and my husband’s job—not everyone else’s.

I doubt that those who promote this line of thinking have really thought through the implications of what they are asking for: requiring everyone to alter their lives and actions in order to accommodate the most medically fragile, at all times and in all spaces. What they are demanding has implications far beyond vaccines.

And if they really do believe that not being vaccinated constitutes a form of aggression against others, then why confine their demands to children?You do not have the right to force a medical procedure on another person.

Why should you and I and the vast majority of all adults in the US be exempt from the requirement to be completely up to date on all of the vaccines the CDC and its pharmaceutical industrycronies have decided we should have? Are we not also committing aggression every day we go out in public, exposing others to diseases we do not yet have but might possibly contract?Of course, if disease transmission is really what the proponents of vaccine mandates are worried about, then they should also demand that those recently vaccinated with live-virus vaccines not be allowed in schools or any public spaces. And if they aren’t demanding this, then one has to wonder whether the transmission of disease really is their primary concern.

The bottom line, though, has nothing to do with the science behind vaccines, nor with herd immunity, nor competing claims about vaccine safety and vaccine harm. Nor does it have to do with how serious diseases like measles are or are not. It is simply this: You do not have the right to force a medical procedure on another person.

This is libertarian thinking 101. You are free to do whatever you wish with what is yours—and other people are not yours. You do not own them, and you do not get to make decisions over their bodies and their lives. You may exclude them from your property if you wish, but you may not force them to undergo medical (or non-medical) procedures against their will. You don’t even have to be a libertarian to understand this. The right to bodily integrity, to be free from assault, is the most fundamental of all human rights. If it is not protected, then no other rights even matter.

About the Author

Bretigne Shaffer was a journalist in Asia for many years. She is now a mom, independent writer, and author of “Urban Yogini: A Superhero Who Can’t Use Violence“, and the upcoming “Annabel Pickering and the Sky Pirates.” She blogs at On the Banks.

from: https://www.wakingtimes.com/2019/03/31/dear-america-you-cannot-be-pro-freedom-and-pro-forced-vaccinations-at-the-same-time/

Changing Perspective

The After-Effects of Awakening

AwakeningSteve Taylor, Ph.D. – As a psychologist, I have been studying what I call “awakening experiences” for a decade, and have recently published (with a co-author) a new study of 90 such experiences in The Journal of Transpersonal Psychology.

Awakening experiences are moments in which our awareness expands and intensifies. We transcend the worries that normally preoccupy us and feel a sense of elation or serenity. Our perceptions of the world around us become more vivid, and we feel a sense of connection to nature, other human beings or the whole universe in general. We feel a sense of love and compassion, and there is a strong sense that we have transcended a limited state, and that awareness has become more authentic than normal. At higher intensities of awakening experiences, we may even feel that we have lost our normal sense of identity and somehow become one with the whole world.

My research has found that there are three contexts that consistently show up as major triggers of awakening experiences. Around a third occur in situations of stressdepression and loss. For example, a woman described how she was devastated by the end of a seven-year relationship, “facing a suffering that I didn’t imagine could possibly exist.’” However, in the midst of this suffering, she “began to experience a clearness and connection with everything that existed…I was in a state of such pure happiness and acceptance, that I was no longer afraid of anything. Out of that depth arose such a compassion and connection to everything that surrounded me.”

The second major trigger of awakening experiences identified by my research is contact with nature. Around a quarter of the experiences take place in natural surroundings, apparently induced by the beauty and stillness of nature. People reported awakening experiences that occurred while they walking in the countryside, swimming in lakes, or gazing at beautiful flowers or sunsets. And the third most significant trigger of awakening experiences according to my research— with a similar frequency to contact with nature—is spiritual practice. This primarily means meditation, but also includes prayer and psycho-physical practices such as yoga or tai chi. The relaxing, mind-quietening effect of these practices seems to facilitate awakening experiences.

Enduring Transformation

However, perhaps the most significant thing about awakening experiences is their after-effects. Even though they are typically of a very short duration—from a few moments to a few hours—they frequently have a life-changing effect.

Many people described an awakening experience as the most significant moment of their lives, reporting a major change in their perspective on life, and in their values. In our 2017 study of 90 awakening experiences, the most significant after-effect was a greater sense of trust, confidence, and optimism. For example, one person reported that even though “that whole experience was brief, it left a little piece of knowing and hope. While I still was and am on a journey of self-reflection, it left me knowing that your inner truth is always there for you.” Another person reported that, “To know that it’s there (or here, I should say) is a great liberation.”

One person had a powerful awakening experience while suffering from intense depression during which she “felt the most intense love and peace and knew that all was well.” The experience only lasted for a few minutes, but in its aftermath, she found that the feeling of dread had disappeared from her stomach, and she felt able to cope again, which led to a new, positive phase in her life. As she described it, “I looked around and thought about all the good things in my life and the future. I felt more positive and resilient.” Another person described how her awakening experience “allowed me a glance into the other side and opened me to the knowing that I am never separate, alone, nor unheld.”

Such changes in attitude sometimes led to significant lifestyle changes, such as new interests, new relationships and a new career. Some people reported becoming less materialistic and giving up high-powered professional careers for a simpler, more altruistic lifestyle.

This shows that awakening experiences have a powerful therapeutic effect. They make us realize that the world is a much more benign and meaningful place than we normally perceive it to be. And once we have glimpsed this, it becomes a permanent reality to us. As the great psychologist Abraham Maslow noted – in relation to what he called peak experiences — ‘A single glimpse of heaven is enough to confirm its existence.’

from:    https://www.shiftfrequency.com/the-after-effects-of-awakening/

What is Human Dignity Worth?

Adult Stem Cell Therapy & the FDA

Again, Rethinking Vaccines

At What Cost – Wireless Tech?

Banks & Cash

The Rise of Cashless Banks (And What To Do About It)

By J.P. Koning Monday, March 11, 2019

For centuries bank deposits have come with a comforting guarantee. Depositors have always been able to quickly convert them at par into cash.

But this guarantee is slowly being eroded. Banks in Canada, Ireland, Australia, Denmark, and Sweden are closing full-service branches and adopting a less-staffed “cashless bank” model. In a cashless branch, customers can no longer deposit or withdraw cash over the counter.

The next step will be when banks remove their external ATM machines too. Once this happens, we’ll have entered a strange new world where bank deposits are permanently inconvertible.

But if we don’t want a world with cashless banks, here’s a potential solution. Maybe banks should be allowed to issue their own unique brand of banknotes. By doing so, bankers may have more of an incentive to promote cash availability.

Bankers have been steadily introducing cashless banks over the last few years in response to falling customer demand for cash. With fewer people wanting to withdraw or deposit cash, the cost of offering these services gets harder to justify to shareholders.

Some commentators worry that banks are not simply reacting to customer preferences but are taking an active role in reducing cash usage. In a recent opinion piece, Brett Scott accuses banks of nudging customers away from cash by re-designing the withdrawal and deposit processes to be less accommodating.

As Scott points out, banks have an incentive to move customers into cards and other digital channels because that way they can make more profit off of transactions and suck up more data. Furthermore, deposits compete with central bank-issued banknotes as a form of saving. Banks prefer that consumers lodge cash at the bank because deposits are a low-cost source of funding for banks.

That banks are sole distributors of a third-party product that they directly compete with represents a major conflict of interest. This arrangement is unfortunate given cash’s many benefits. To begin with, it makes for a great back-up payments system — unlike card-based systems, cash can’t crash. It is also used by many people for budgeting purposes. And finally, banknotes allow people to regulate how much personal information they must give up in transactions. I’ve talked about many of these advantages before.

Given that cash is important to society, but banks have a perverse incentive to prevent its circulation, what is the solution? Perhaps the answer is to get banks on side by allowing them to issue their own banknotes. If they have a direct financial stake in the fate of cash, then banks will be less conflicted in the role they play as society’s main distributors of coins and banknotes.

Ireland is an interesting case study. The Bank of Ireland is the largest private bank in both the Republic of Ireland (a separate country) and Northern Ireland (which is part of the UK). Oddly enough, even as the Bank of Ireland threatens to make most of its branches in the Republic of Ireland cash-free, the northern arm of the bank is rolling out new polymer banknotes in 2019.

Banks in Northern Ireland and Scotland enjoy a long tradition of issuing their own banknotes. Of the four note-issuing banks in Northern Ireland, the Bank of Ireland is the largest issuer followed by Ulster Bank, Danske, and First Trust. As of the end of 2018, the big four had issued £2.9 billion worth of banknotes. These banks aren’t obligated to provide Northern Ireland with cash. They print it because their customers want it.

The Bank of England, UK’s central bank, requires Northern Ireland’s private note issuers to “back” each pound they issue with at least 60 cents in Bank of England notes or coins. The other 40 cents in backing can be held in an interest-yielding account at the Bank of England.

Northern Ireland’s cash-issuing banks thus enjoy two advantages relative to banks that cannot issue cash. Since they needn’t pay any interest to their banknote customers, but enjoy interest on the backing assets held in their account at Bank of England, they earn a recurring flow of income on each note that they put into circulation. Secondly, the circulation of their particular brand of banknotes serves as a form of free advertisement. The more of its notes that a bank can get the public to use, the more visibility it steals from competitors.

Thus, the Bank of Ireland’s northern operations have an incentive to ensure that cash is always available to depositors. But the bank’s southern arm, which distributes euro banknotes, does not have the same incentive, since it doesn’t directly share in the financial advantages of promoting cash usage.

The benefits of issuing cash can be sizable. For instance, at the end of 2017 Ulster Bank has issued £803 million in banknotes. This accounts for 7% of the bank’s total £11,501 million in liabilities. Given that Ulster Bank currently pays as much as 0.85% on its other liabilities, including savings accounts, the ability to issue notes at 0% significantly reduces its funding costs. I doubt that Ulster Bank would want to sabotage this gift.

Critics will point out that allowing banks to issue cash comes at the expense of the tax payer. That’s true. All of the profits that the Bank of England earns are paid back to the state, and ultimately the taxpaying citizens. By directing a bit of interest to the Bank of Ireland and other private issuers, that leaves less for the state.

But notice that Bank of England strikes a careful balance. It only allows the Bank of Ireland, Ulster Bank, and other private issuers to keep 40% of their backing assets in an interest-yielding account, the other 60% being lodged in no-yield Bank of England banknotes. So the current Northern Irish arrangement illustrates how it is possible to accommodate both taxpayers, banks, and their customers.

Alternatively, banks could invest the 40% in a higher yielding loan portfolio. Although some people might have financial stability concerns, we know from Selgin and White’s explorations of free banking that private banknote systems can be quite sound.

Allowing private banks to issue banknotes may seem like a radical solution. But by fixing the dysfunctional relationship between banks and cash, this option may help prevent an equally radical scenario from emerging; a world with only cashless banks.

from:    https://www.aier.org/article/sound-money-project/rise-cashless-banks-and-what-do-about-it

Lessons From the Vineyard

What the Wine Industry Understands About Connecting with Consumers

MARCH 05, 2019
CHRIS VAN DOLLEWEERD/GETTY IMAGES

In the battle to gain an edge over competitors, companies spend millions of dollars to understand consumers through focus groups, surveys, and sophisticated analytics. But too often, because most people don’t really know what they want, these methods waste time and resources. There is a better way:  educating consumers, rather than listening to them.

Consider, for example, three very different products: coffee, diamonds, and smartphones. Billions of people around the world have enjoyed coffee for over five centuries. But our understanding of the product has changed dramatically since Starbucks debuted in Seattle in 1971 and grew to a global powerhouse with more than 28,000 locations. Similarly, DeBeers took a luxury gemstone — diamonds — and created a broader market for it by associating it with romance and marriage. By 2013, diamond sales topped $70 billion, up from virtually nothing in 1932. The stones were the same, but consumers were taught that they had a new meaning — and value. Finally, in the case of smartphones, Steve Jobs famously argued against the traditional approach: “Some people say, ‘Give the customers what they want.’ But that’s not my approach. Our job is to figure out what they’re going to want before they do…People don’t know what they want until you show it to them.”

To better understand how firms succeed by educating consumers, we studied the U.S. wine industry. Winemaking has remained largely unchanged for 7,000 years, but the United States wine industry has ballooned from just over $30 billion in 2002 to more than $60 billion today, making it the largest in the world. The number of U.S. wineries has grown by 50% to nearly 10,000 just in the past decade. Some have redefined great wine, gained the loyalty of passionate consumers, and command extraordinary prices.

How did these firms achieve the benefits often associated with disruptive innovation in an industry in which the technology has remained largely unchanged for millenniums? To explore this question, we have since 2010 immersed ourselves in the wine industry, focusing primarily on U.S. producers but also studying a few from Italy and France for whom the U.S. market is important. These ranged from small, boutique wineries to large multinational firms; some were established in the last 30 years, while others date back to the 14th century. We met with winemakers, vineyard workers, marketing executives, CEOs, critics, writers, importers, and we observed and interviewed consumers in their homes and at wine shops, multi-vendor events, bars, restaurants, and wineries. From 58 interviews, we produced more than 2,300 pages of transcripts, field notes, documents, and photos. We found that, like Starbucks, DeBeers and Apple, wine producers shape markets through vision and social influence. Here’s how they do it.

Step 1: Envision something extraordinary

Wine producers see customers as having limited expertise and demonstrating inconsistent, difficult-to-predict preferences. This is why, rather than seeking and responding to consumer input, they seek to influence tastes.

Christian Moueix, best known for producing France’s legendary Château Petrus from Pomerol, offers an example. Moueix purchased a vineyard in Napa Valley, where vintners make rich, lush, wines that are high in alcohol. Industry professionals call these wines fruit bombs, and the most popular sell for hundreds of dollars. But Moueix told us that he “hates” this style of wine, and he rejects many common California practices. Instead, he prefers an approach he developed in Bordeaux, which includes no role for consumer input. “I make what pleases me,” he explained.

We heard versions of this sentiment again and again. One American winemaker told us that consumers “don’t respect the product … don’t understand wine … don’t care.” Another executive said: “I’m not going to be asking the market what it wants because they don’t know what they want until I show them.”

Some producers even wear their lack of interest in profit as a badge . “We are not here to break even, we are here to break the rules, break records, and break through,” one California winery owner proudly proclaimed.

Instead of responding to consumers or chasing financial returns, winemakers pursue a vision, much like an artist imagines a work. Constrained only by the vineyard and history, they aim to make a personal contribution.

Step 2: Mobilize those with influence 

Even as wine producers dismiss customer input and the pursuit of profit, they value the opinions of peers and influential media and critics, including Karen MacNeil, Jancis Robinson, The Wine Spectator, Wine & Spirits, Vinuous Media, and The Wine Advocate’sRobert Parker.

Critics typically score wine on a 0-to-20 or 0-to-100 scale and provide tasting notes; an additional point from Parker generates €2.80, or $3.00, of revenue per bottle, according to one analysis, while a difference of ten points can mean millions of euros for a large-scale producer, and a perfect score of 100 can support a three- or fourfold price increase.

Some producers engineer wines to earn high scores, but those that shape markets are more subtle. They aim to build influential relationships with industry movers and shakers, rather than to please them. They educate these experts in their histories, winemakers, and visions for the future and thus gain some control over the stories that reach the public. They provide the language needed to help people “discover the soul” of their wines.

One producer we interviewed invites sommeliers, journalists, and others to experience the harvest at his vineyards in France each fall. A small group of five to six guests stay at the elegant home of the owner. Accompanied by the winemaker, the guests stroll through the vineyards, taste wines from previous vintages, and discuss their experience over dinner. The event is designed to make them feel connected to the brand and then advocate for it.

Through these kinds of experiences, a consensus emerges about which wines are excellent, and which are extraordinary, and ultimately this is what defines the winners and the losers in the industry.  Moueix’s Dominus Estate offers a case in point. When he released the first vintage of Dominus Estate in 1988, it was neither a Napa Valley fruit bomb nor a Moueix wine from Bordeaux, which prompted debate: Was it more French or more Californian? Was it really worth $40? Moueix explained his vision to critics and journalists, as a songwriter might explain the meaning of a lyric. He wanted the wine to express its terroir — the soil, the weather, the sunshine, the natural environment — of its legendary Yountville, California vineyard.  He also favored dry farming (no irrigation), thinning the crop, and harvesting grapes early. Thus, Dominus Estate became understood as a unique blend of “Napa terroir, Bordeaux spirit.” Over time, critics began describing it as a new benchmark for the region, and high scores followed. Parker awarded the 2001 vintage 98 points. Three critics awarded the 2013 vintage a rare 100 points—perfection.

Step 3: Let consumers react and share

Consumers looking to buy a bottle of wine confront thousands of choices. In fact, many of the shoppers we spoke to described the experience as stressful; they were fearful of making a poor choice and looking ignorant or of missing an opportunity to make an evening more special.  To navigate, they invariably turn to those experts that the wineries have worked so hard to influence.

Despite questions about the objectivity of wine scores, critics still drive the behavior of retail and hospitality buyers and consumers. One retailer conducted an experiment in which he stacked two California Chardonnays next to each other and posted their Wine Advocate scores and tasting notes below the bottles. The bottle with a score of 92 outsold the bottle with a score 84 ten to one. When the same wines were displayed with tasting notes only, sales were roughly even. As another example, Moueix sold every case available from the 2013 Dominus Estate vintage and bottles that remain on retail shelves bear price tags of $300 or more.

The chain reaction is clear. Vision flows from producer to critic. Retailers stock wines critics and other experts praise, and sommeliers add their newest discoveries to wine lists. Retailers and sommeliers then share their favorite wines with consumers, who share what they’ve bought and enjoyed with their friends and families. The most dedicated visit celebrated wineries, join wine clubs, learn more, and share what they have learned with others. From beginning to end, the process is an educational one.

Producers of wines deemed extraordinary define categories and set benchmarks. Consumers become fans and pay premium prices, despite the availability of literally thousands of excellent alternatives. This ensures the financial success of those firms, even as they reject consumer input and feign the pursuit of profit.

From learning to educating

As products become more complex and consumers feel more pressed for time, we believe that firms in all industries will increasingly succeed by having a unique vision, cultivating expert advocates through authentic connections, driving expert consensus, and allowing consumers to react and share.  Firms that gain advantage through simply responding to customers are vulnerable to disruption. Those that shape markets using social influence and education can endure.


Gregory Carpenter is James Farley/Booz Allen Hamilton Professor of Marketing Strategy at Northwestern University’s Kellogg School of Management. He is co-author of Resurgence: The Four Stages of Market-Focused Reinvention and co-hosts the school’s annual Marketing Leadership Summit, where thought leaders explore the future of marketing.


Ashlee Humphreys is Associate Professor of Integrated Marketing Communications at Northwestern University’s Medill School of Journalism, Media and Integrated Marketing Communications, and Associate Professor of Marketing at the Kellogg School of Management. She is author of Social Media: Enduring Principles.

from:  https://hbr.org/2019/03/what-the-u-s-wine-industry-understands-about-connecting-with-customers?ab=hero-subleft-2