Friday, February 23, 2007

Get off the grid!

Get off the grid!

Yes, that’s right. I said it. Get of f the grid. That may be easy for an urbanite to say, but it’s just as easy said as done.

Yeah, I get it. You hate the system, you hate society, but there you sit, fat and oily in front of your state-of-the-art flat screen. Blissfully ignorant of the prehensile inky-black wire, snaking it’s filthy way into the pulsating nether hole of the local Con-Ed whore.

And you call yourself free?

Gain some much-needed self respect and pry those ashy lips off that electric teat.

Build yourself a solar power generator.

What I mean by that is simple. You can easily build a system that will allow you to generate electricity to power all of those anchors you wear around your neck, like your cancer inducing cell phone, that stylish ipod, and perhaps that very becoming computer your are chained to.

Intrigued? It’s simple. Type in build a solar power gererator in the search engine of your choice, Spend a couple hundred dollars seed capital, invest in a solar panel and a few electronic odds and ends, and become pseudo-self-sufficient.

Worst case scenario, you spend a few bucks on some cool looking gizmos that will impress the locals. People like a new-fangled contraption.

Best case scenario: when they decide to turn out the lights, you can power that 13”
television and watch the revolution, and with the right attachments, you can even pop some corn.

Monday, February 19, 2007

Bank of America Markets Credit Cards to Illegal Immigrants


Lender Risks Controversy Aiming New Credit Card at Illegal Immigrants

By MIRIAM JORDAN and VALERIE BAUERLEIN
LOS ANGELES -- In the latest sign of the U.S. banking industry's aggressive pursuit of the Hispanic market, Bank of America Corp. has quietly begun offering credit cards to customers without Social Security numbers -- typically illegal immigrants.

In recent years, banks across the country have begun offering checking accounts and, in some cases, mortgages to the nation's fast-growing ranks of undocumented immigrants, most of whom are Hispanic. But these immigrants generally haven't been able to get major credit cards, making it hard for them to develop a credit history and expand their purchasing power.

The new Bank of America program is open to people who lack both a Social Security number and a credit history, as long as they have held a checking account with the bank for three months without an overdraft. Most adults in the U.S. who don't have a Social Security number are undocumented immigrants.

The Charlotte, N.C., banking giant tested the program last year at five branches in Los Angeles, and last week expanded it to 51 branches in Los Angeles County, home to the largest concentration of illegal immigrants in the U.S. The bank hopes to roll out the program nationally later this year.

"We are willing to grant credit to someone with little or no credit history," says Lance Weaver, Bank of America's head of international card services, whose team designed the program based in part on the bank's experience in markets like Spain, which lack conventional credit bureaus to rate a client's credit-worthiness.

The credit cards involved aren't cheap. They come with a high interest rate and an upfront fee. And the idea of catering to illegal immigrants is controversial.

Bank of America defends the program, saying it complies with U.S. banking and antiterrorism laws. Company executives say that the initiative isn't about politics, but rather about meeting the needs of an untapped group of potential customers.

"These people are coming here for quality of life, and they deserve somebody to give them a chance to achieve that quality of life," says Brian Tuite, the bank's director of Latin America card operations and one of the architects of the program.

Critics say Bank of America is knowingly making a product available to people who are violating U.S. immigration law. "They are clearly crossing the line; they are actually aiding and abetting people who broke the law," says Ira Mehlman, a spokesman for the Federation for American Immigration Reform, a group that advocates a crackdown on illegal immigration.

Typical of the new card's customers is Antonio Sanchez, a Mexican immigrant whose only major asset is a white 1996 Ford Thunderbird, which he drives to the two restaurants where he works each day on opposite sides of Los Angeles. Mr. Sanchez, who says he sneaked across the border a decade ago, has been a customer of Bank of America's East Hollywood branch for nine years. He has no borrowing history and no Social Security number.

Paying Balances

To obtain a Bank of America Visa card with a $500 line of credit, Mr. Sanchez had to put down $99. If he stays within his $500 limit and pays his balances in a timely fashion, he will receive his $99 security payment back in three to six months, and his credit limit might be increased.

"I always wanted to start building credit to buy a home, but I couldn't," says Mr. Sanchez, a father of three, who earns about $25,000 a year from his two jobs. "When a señorita at the bank told me about this card, I couldn't miss the opportunity to get it. You need credit to succeed in this country."

The variable annual percentage rate charged on Mr. Sanchez's card is 21.24%, higher than the average interest rate of 18.1% card issuers nationwide charge on unpaid balances, according to the Nilson Report, an industry newsletter based in Carpinteria, Calif.

David Robertson, publisher of the report, says a rate of 21.24% is "unquestionably high." "If that's the rate you're offered, it's a pretty safe bet you're in a high-risk group," he said.

To assess an applicant, the bank employs "judgmental lending," a concept pioneered by MBNA Corp., the credit-card company that Bank of America acquired in January 2006. In essence, the bank bases its evaluation of a potential client's credit-worthiness on a subjective review by its employees, rather than on standardized financial data crunched by a computer.

Unorthodox initiatives like the new credit-card program may be crucial to Bank of America's long-term success. In the past the bank, which operates in 31 states and the District of Columbia, grew mostly by buying up other banks. Now, however, it is bumping up against a regulatory cap that bars any U.S. bank from an acquisition that would give it more than 10% of the nation's total bank deposits. That means Bank of America's only way to grow domestically is to sell more products to existing customers and to attract new ones.

Opening Accounts

Bank of America, the second-largest U.S. bank after Citigroup Inc. in terms of market capitalization, estimates that there are 28 million Hispanics in its operating area and that most of them, regardless of their immigration status, don't have a bank. It hopes the allure of a credit card will persuade hundreds of thousands more Latinos to open accounts.

"If we don't disproportionately grow in the Hispanic [market]...we aren't going to grow" as a bank, says Liam McGee, Bank of America's consumer and small-business banking chief.

Illegal immigrants have typically relied on loan sharks and neighborhood finance shops for credit. But that has begun to change. A few years ago, a handful of community banks in the U.S. began offering mortgages to illegal immigrants, as long as they could prove they had stable employment and paid U.S. taxes with an individual tax identification number, or ITIN.

In December 2005, Wells Fargo & Co. began extending mortgages to consumers with an ITIN. The bank is currently evaluating a pilot program in Los Angeles and Orange counties before deciding whether to expand it.

Department of Homeland Security spokesman Russ Knocke said banking products aimed at illegal immigrants "reinforce the need for a temporary worker program" that the Bush administration has been promoting. That program would screen, tax and otherwise regulate immigrant workers and, the administration contends, would squeeze out illegal workers who now use forged or stolen documents to get jobs, driver's licenses and occasionally credit.

Anti-money-laundering regulations passed in the wake of the Sept. 11, 2001, terror attacks put more pressure on banks to verify customers' identity and watch for suspicious transactions, but they don't require banks to ascertain whether account holders are in the U.S. legally. Most banks require a Social Security number or ITIN to open an account, but regulations also allow them to accept other government-issued forms of identification in some instances, including passport numbers, alien identification numbers or any government-issued document with photo showing nationality or place of residence.

A handful of retailers, such as Los Angeles's closely held La Curacao department store chain, have boosted their business by cultivating illegal immigrants with store credit cards. "Once you capture them, they become very loyal," says Ron Azarkman, chief executive of La Curacao, which has developed its own in-house credit-ratings system. "This is a promising market, as long as it is carefully managed," he says, adding that the average APR charged by his company is 22.9%.

Word of Mouth

Bank of America hasn't launched an ad campaign for the new card. For the time being, it is counting on word of mouth that starts with its employees at each banking center. Many of the Spanish-speaking account holders who come to teller Luz Quintanilla's window at Bank of America's East Hollywood branch, already have a Social Security number and regular credit card with the bank. But she suggests in Spanish that "maybe you have family or friends who don't have a Social Security number, but wish to build their credit."

In selling the card, a major challenge is to persuade immigrants who are sometimes wary of plastic that holding a credit card is an important step on the way to obtaining loans for big-ticket items, such as a car or even a home. Pictures of a check book, credit card, car and house in ascending order illustrate this concept in one pamphlet in Spanish and English titled "How to Build Your Credit, Step by Step."

--Ann Carrns contributed to this article

Study Finds No Link Between Marijuana Use And Lung Cancer

People who smoke marijuana--even heavy, long-term marijuana users--do not appear to be at increased risk of developing lung cancer.

Marijuana smoking also did not appear to increase the risk of head and neck cancers, such as cancer of the tongue, mouth, throat, or esophagus, the study found.

The findings were a surprise to the researchers. "We expected that we would find that a history of heavy marijuana use--more than 500-1,000 uses--would increase the risk of cancer from several years to decades after exposure to marijuana," said the senior researcher, Donald Tashkin, M.D., Professor of Medicine at the David Geffen School of Medicine at UCLA in Los Angeles.

The study looked at 611 people in Los Angeles County who developed lung cancer, 601 who developed cancer of the head or neck regions, and 1,040 people without cancer who were matched on age, gender and neighborhood. The researchers used the University of Southern California Tumor Registry, which is notified as soon as a patient in Los Angeles County receives a diagnosis of cancer.

They limited the study to people under age 60. "If you were born prior to 1940, you were unlikely to be exposed to marijuana use during your teens and 20s--the time of peak marijuana use," Dr. Tashkin said. People who were exposed to marijuana use in their youth are just now getting to the age when cancer typically starts to develop, he added.

Subjects were asked about lifetime use of marijuana, tobacco and alcohol, as well as other drugs, their diet, occupation, family history of cancer and socioeconomic status. The subjects' reported use of marijuana was similar to that found in other surveys, Dr. Tashkin noted.

The heaviest smokers in the study had smoked more than 22,000 marijuana cigarettes, or joints, while moderately heavy smokers had smoked between 11,000 to 22,000 joints. Even these smokers did not have an increased risk of developing cancer. People who smoked more marijuana were not at any increased risk compared with those who smoked less marijuana or none at all.

The study found that 80% of lung cancer patients and 70% of patients with head and neck cancer had smoked tobacco, while only about half of patients with both types of cancer smoked marijuana.

There was a clear association between smoking tobacco and cancer. The study found a 20-fold increased risk of lung cancer in people who smoked two or more packs of cigarettes a day. The more tobacco a person smoked, the greater the risk of developing both lung cancer and head and neck cancers, findings that were consistent with many previous studies.

The new findings are surprising for several reasons, Dr. Tashkin said. Previous studies have shown that marijuana tar contains about 50% higher concentrations of chemicals linked to lung cancer, compared with tobacco tar, he noted. Smoking a marijuana cigarette deposits four times more tar in the lungs than smoking an equivalent amount of tobacco. "Marijuana is packed more loosely than tobacco, so there's less filtration through the rod of the cigarette, so more particles will be inhaled," Dr. Tashkin said. "And marijuana smokers typically smoke differently than tobacco smokers--they hold their breath about four times longer, allowing more time for extra fine particles to deposit in the lung."

One possible explanation for the new findings, he said, is that THC, a chemical in marijuana smoke, may encourage aging cells to die earlier and therefore be less likely to undergo cancerous transformation.

The next step, Dr. Tashkin says, is to study the DNA samples of the subjects, to see whether there are some heavy marijuana users who may be at increased risk of developing cancer if they have a genetic susceptibility for cancer.

Note: This story has been adapted from a news release issued by American Thoracic Society.

Chemtrail Sunscreen Taught In US Schools


Chemtrail Sunscreen Taught In US Schools
Sanity for Sale
January 31st, 2007

A is for Apple.
B is for Boy.
C is for Chemtrails.

At least this is what one American father found while paging through his child’s science book. SmT was astonished to find seventh graders being taught about chemtrails. And geoengineeering their home planet.

Anyone with question about the “spray programs” he now says, “should perhaps just ask their kids.”

The chemtrails section is found in the Centre Point Learning Science I Essential Interactions science book. Under “Solutions for Global Warming”, section 5.19 features a photo of a big multi-engine jet sporting a familiar orange/red paint scheme.

The caption reads: “Figure 1- Jet engines running on richer fuel would add particles to the atmosphere to create a sunscreen”.

The logo on the plane says: “Particle Air”.

“I kid you not,” SmT insists. “Why did I spend all of that time doing research when I could have just asked my kids?”

Helping habituate children to a life under lethal sunshine and “protective” spray planes, this trippy textbook urges young readers to “Use Sun Block”. But its authors are referring to a sunscreen spread across the sky.

“Could we deliberately add particles to the atmosphere?” asks the text, before helpfully suggesting that “Burning coal adds soot to the air.”

You might be old enough to recoil at such a notion. But in a country where down is up and wrong is right, your kids could be learning that what used to be bad and a bummer is a now good thing!

“Be real interesting to see the politics of the folks putting this out.” SmT suggests.

In the current White House, those politics are as “crude” as invading oil-rich Iraq over a bogus nuclear threat - while permitting Pakistan to export atom bomb materials to terrorist organizations in return for the chance at an election-boosting capture of Osama bin Laden by US forces in the Hindu Kush later this month. [New Yorker Mar1/04]

Why shouldn’t the same petrol politics produce textbooks for children inheriting a nightmare? Led by a piggish petroleum president, with most major nations cutting back, US oil consumption is rising as steeply as supplies of cheap crude are collapsing.

The coal connection is this: In order to briefly “stretch the glide” of the fast-looming end of cheap oil that will utterly transform life as we know it, America’s unelected oil president recently revoked pollution regulations on more than 2,000 of the nation’s biggest polluting coal-fired power plants.

Ironically, this move - like so many others made by an oil-addled White House - will only hasten an Earthwreck as shattering to all onboard as a lurching square-rigger striking a rocky reef. Except our spaceship is surrounded by the cold, irradiated vacuum of deep space.

It turns out that a single 150-megawatt coal-burning power plant produces more emissions than 300,000 cars. Termed an “Extreme Human health Hazard” by the EPA, microscopic coal particles also rot lungs, stop hearts, kill lakes, choke cities - and stunt the lives of school kids with deadly sulphuric acid rain. [AP Aug27/03; LA Times Aug28/03]

Airborne soot also blocks sunlight, lowering greenhouse temperatures. Volcanic eruptions like Krakatoa and Pinatubo - and globe-circling soot from 1,000 burning oil wells during Desert Storm - belched enough sulphur into the stratosphere to cause a plunge in world temperatures, temporarily slowing global warming.

World scientists looking at deliberately putting megatons more sulphur into a closed, recirculating atmosphere already smoggy enough to depresses orbiting astronauts, decided that a sulphur sunscreen is not a swift idea.

But not this Jr. High science text. “Creating either kind of sunscreen would be cheap,” it tells young readers. As if “cheap” is the only consideration.

Even this claim is bogus. SmT says he looked, but the section on the downstream costs associated with the health and environmental effects of massive coal pollution - or the 10 million tons of a chemical sunscreen suggested by the late Edward Teller - “seemed to have been left out.”

Ditto “the cost to the solar industry”. Or cumulative impacts on kids, critters and plants on which our future depends.

Sunlight is already on the way out. Repeatedly expressing shock at how quickly our space colony’s life-support systems are failing, scientists are finding levels of solar radiation reaching the Earth’s surface decreasing by almost 3% a decade.

“Global Dimming” is too small to detect with the eye. “But it has implications for everything from climate change to solar power and even the future sustainability of plant photosynthesis,” reports the Guardian.

All those jet-propelled vacations and car trips to the corner store add up. Since 1960, 10% less sunlight has reached Earth’s inhabitants. Levels of solar radiation reaching parts of the former coal-belching Soviet Union are down almost 20%.

In any greenhouse, the rule of a green thumb is that every 1% decrease in solar radiation results in a 1% drop in plant productivity.

“It’s actually quite a big deal, says Graham Farquhar, a climate scientist at the Australian National University in Canberra. But get this: Farquhar doesn’t think that identified pollutants, “by themselves would be able to produce this amount of global dimming.” [Guardian Dec18/03]

The baffled Aussie should check out the role of contrails in turning off sunlight. Since the Jet Age took off in the 1960s, normal condensation trails from five million jet flights every year have been found to block 10% of sunlight across Europe and the USA. Over heavily trafficked Atlantic and American air-routes, artificial cloud cover caused by jet engine pollutants has increased 20%. [Chemtrails Confirmed ‘04]

Chemtrails are another major sunblock. Measurements taken with a calibrated photometer by Clifford Carnicom in Santa Fe show a rapid reduction in sunlight - from a value of 97% on a ‘clear day’ to around 80% during the early stages of heavy chemtrailing. Using a simple UV radiation meter, this reporter has confirmed similar drops in sunlight beneath artificial “chemcasts” on Canada’s west coast.

In a country whose self-appointed regime routinely censors scientific studies, at least some 7th grade science are more focused on indoctrinating kids with risky techno “quick-fixes” than conscious conservation and common sense.

Forget science. SmT gazed in disbelief at another schoolbook picture showing a helicopter seeding the ocean with iron particles. These desperate “IronX” experiments did indeed trigger plankton “blooms” that, in turn, transferred tons of atmospheric C02 underwater as those carbon-inhaling critters eventually died and sank to the seafloor.

But, oops!, his kid’s science book fails to mention that the resulting ocean blooms also sucked all available oxygen from the seawater, suffocating all marine life in massive, spreading “dead zones”. [Chemtrails Confirmed ‘04]

Where are the picture, SmT wonders, “of people planting trees, or turning down thermostats, or bicycling, or any of the other ways not to add to the problem?”

Though his family gave up the idea of home schooling, he says, “it’s perhaps time to reconsider.”

Perhaps it’s also time to reconsider state-sponsored brainwashing. And other escalating consequences of our carbon addiction, as well.

Tuesday, February 13, 2007

A 9/11 conspiracy virus is sweeping the world, but it has no basis in fact

Loose Change is a sharp, slick film with an authoritative voiceover, but it drowns the truth in an ocean of nonsense George Monbiot
Tuesday February 6, 2007
The Guardian


There is a virus sweeping the world. It infects opponents of the Bush government, sucks their brains out through their eyes and turns them into gibbering idiots. First cultivated in a laboratory in the US, the strain reached these shores a few months ago. In the past fortnight, it has become an epidemic. Scarcely a day now passes without someone possessed by this sickness, eyes rolling, lips flecked with foam, trying to infect me.


The disease is called Loose Change. It is a film made by three young men that airs most of the standard conspiracy theories about the attacks of September 11 2001. Unlike the other 9/11 conspiracy films, Loose Change is sharp and swift, with a thumping soundtrack, slick graphics and a calm and authoritative voiceover. Its makers claim that it has now been watched by 100 million people.

The Pentagon, the film maintains, was not hit by a commercial airliner. There was "no discernible trace" of a plane found in the wreckage, and the entrance and exit holes in the building were far too small. It was hit by a cruise missile. The twin towers were brought down by means of "a carefully planned controlled demolition". You can see the small puffs of smoke caused by explosives just below the cascading sections. All other hypotheses are implausible: the fire was not hot enough to melt steel and the towers fell too quickly. Building 7 was destroyed by the same means a few hours later.

Flight 93 did not crash, but was redirected to Cleveland airport, where the passengers were taken into a Nasa building and never seen again. Their voices had been cloned by the Los Alamos laboratories and used to make fake calls to their relatives. The footage of Osama bin Laden, claiming responsibility for the attacks, was faked. The US government carried out this great crime for four reasons: to help Larry Silverstein, who leased the towers, to collect his insurance money; to assist insider traders betting on falling airline stocks; to steal the gold in the basement; and to grant George Bush new executive powers, so that he could carry out his plans for world domination.

Even if you have seen or read no other accounts of 9/11, and your brain has not yet been liquidised, a few problems must occur to you. The first is the complete absence of scientific advice. At one point, the presenter asks: "So what brought down the twin towers? Let's ask the experts." But they don't ask the experts. The film-makers take some old quotes, edit them to remove any contradictions, then denounce all subsequent retractions as further evidence of conspiracy.

The only people they interview are a janitor, a group of firemen, and a flight instructor. They let the janitor speak at length, but cut the firemen off in mid-sentence. The flight instructor speaks in short clips, which give the impression that his pupil, the hijacker Hani Hanjour, was incapable of hitting the Pentagon. Elsewhere he has said the opposite: he had "no doubt" that Hanjour could have done it.

Where are the structural engineers, the materials scientists, the specialists in ballistics, explosives or fire? The film-makers now say that the third edition of the film will be fact-checked by an expert, but he turns out to be "a theology professor". They don't name him, but I would bet that it's David Ray Griffin, who also happens to be the high priest of the 9/11 conspiracists.

The next evident flaw is that the plot they propose must have involved tens of thousands of people. It could not have been executed without the help of demolition experts, the security firms guarding the World Trade Centre, Mayor Giuliani (who hastily disposed of the remains), much of the US air force, the Federal Aviation Administration and the North American Aerospace Defence Command, the relatives of the people "killed" in the plane crashes, the rest of the Pentagon's staff, the Los Alamos laboratories, the FBI, the CIA, and the investigators who picked through the rubble.

If there is one universal American characteristic, it is a confessional culture that permits no one with a good story to keep his mouth shut. People appear on the Jerry Springer Show to admit to carnal relations with their tractors. Yet none of the participants in this monumental crime has sought to blow the whistle - before, during or after the attacks. No one has volunteered to tell the greatest story ever told.

Read some conflicting accounts, and Loose Change's case crumbles faster than the twin towers. Hundreds of people saw a plane hit the Pentagon. Because it collided with one of the world's best-defended buildings at full speed, the plane was pulverised - even so, plane parts and body parts were in fact recovered. The wings and tail disintegrated when they hit the wall, which is why the holes weren't bigger.

The failure of the twin towers has been exhaustively documented by the National Institute of Standards and Technology. Far from being impossible, the collapse turns out to have been inevitable. The planes cut some of the support columns and ignited fires sufficient to weaken (but not melt) the remaining steel structures. As the perimeter columns buckled, the weight of the collapsing top stories generated a momentum the rest of the building could not arrest. Puffs of smoke were blown out of the structure by compression as the building fell.

Counterpunch, the radical leftwing magazine, commissioned its own expert - an aerospace and mechanical engineer - to test the official findings. He shows that the institute must have been right. He also demonstrates how Building 7 collapsed. Burning debris falling from the twin towers ruptured the oil pipes feeding its emergency generators. The reduction in pressure triggered the automatic pumping system, which poured thousands of gallons of diesel on to the fire. The support trusses weakened and buckled, and the building imploded. Popular Mechanics magazine polled 300 experts and came to the same conclusions.

So the critics - even Counterpunch - are labelled co-conspirators, and the plot expands until it comes to involve a substantial part of the world's population. There is no reasoning with this madness. People believe Loose Change because it proposes a closed world: comprehensible, controllable, small. Despite the great evil that runs it, it is more companionable than the chaos that really governs our lives, a world without destination or purpose. This neat story draws campaigners away from real issues - global warming, the Iraq war, nuclear weapons, privatisation, inequality - while permanently wrecking their credibility. Bush did capitalise on the attacks, and he did follow a pre-existing agenda, spelt out, as Loose Change says, by the Project for the New American Century. But by drowning this truth in an ocean of nonsense, the conspiracists ensure that it can never again be taken seriously.

The film's greatest flaw is this: the men who made it are still alive. If the US government is running an all-knowing, all-encompassing conspiracy, why did it not snuff them out long ago? There is only one possible explanation. They are in fact agents of the Bush regime, employed to distract people from its real abuses of power. This, if you are inclined to believe such stories, is surely a more plausible theory than the one proposed in Loose Change.

www.monbiot.com