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Assessing the Cost & Benefits of Credit Card
Loyola Consumer Law Review Volume 25 | Issue 1 Article 3 2012 Assessing the Cost & Benefits of Credit Card Rewards: A Response to Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations Steven Semeraro Prof. Thomas Jefferson School of Law Follow this and additional works at: http://lawecommons.luc.edu/lclr Part of the Consumer Protection Law Commons Recommended Citation Steven Semeraro Assessing the Cost & Benefits of rC edit Card Rewards: A Response to Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations, 25 Loy. Consumer L. Rev. 30 (2012). Available at: http://lawecommons.luc.edu/lclr/vol25/iss1/3 This Feature Article is brought to you for free and open access by LAW eCommons. It has been accepted for inclusion in Loyola Consumer Law Review by an authorized administrator of LAW eCommons. For more information, please contact [email protected]. Semeraro Article (Do Not Delete) 11/29/2012 12:27 PM ASSESSING THE COSTS & BENEFITS OF CREDIT CARD REWARDS: A RESPONSE TO WHO GAINS AND WHO LOSES FROM CREDIT CARD PAYMENTS? THEORY AND CALIBRATIONS Steven Semeraro* or two decades, economic and legal academics have F speculated about the impact of the fees that merchants pay for credit card acceptance. Since all customers pay the same price, the theory goes, everyone pays for the benefits that go only to credit card users. A recent Federal Reserve Bank of Boston (FRBB) policy paper written by economists Scott Schuh, Oz Shy, and Joanna Stavins entitled Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations1 has taken the argument a step further, contending that credit card programs reduce consumer welfare by transferring money from low-income households that purchase goods and services with payment * Professor of Law, Thomas Jefferson School of Law. -
Prescription Companion
PRESCRIPTION COMPANION ©2012Transitions Optical inc. ophthalmic lens technical reference JUBILEE YEAR 2012 E -Edition 7 www.norville.co.uk Introduction and Page Index The Norville Companion is a supporting publication for our Prescription Catalogue, providing further technical details, hints and ideas gleaned from everyday experiences. TOPIC Page(s) TOPIC Page(s) Index 2 - 3 Part II Rx Allsorts Lens Shapes 4 - 6 Lens Forms 49 Effective Diameter Chart 7 Base Curves 50 - 51 Simplify Rx 8 Aspherics 52 - 53 Ophthalmic Resins 9 Free-form Digital Design 54 Indices of Ophthalmic lenses - Resin 10 Compensated Lens Powers 55 - 56 Polycarbonate 11 Intelligent Prism Thinning 57 - 58 Trivex 12 - 13 Superlenti - Glass 59 Resin Photochromic Lenses 14 Superlenti - Resin 60 Transitions Availability Check List 15 V Value / Fresnels 61 Nupolar Polarising Lenses 16 E Style Bifocal / Trifocal 62 Drivewear Lenses 17 - 18 Photochromic / Glazing / Prisms 63 UV Protective Lenses 19 Lens Measures 64 Norville PLS Tints 20 Sports 65 Tinted Resin Lenses 21 3D Technology Overview 66 Mid and High Index Resins Tintability 22 Rx Ordering 67 Norlite Tint Transmission Charts 23 - 25 Order Progress 68 Norlite Speciality Tinted Resins 26 - 31 Rx Order Form 69 Norlite Mirror Coating 32 Queries 70 Reflection Free Coating 33 - 34 Optical Heritage 71 F.A.Q. Reflection Free Coatings 35 - 37 Rx House - Change afoot? 72 - 73 Indices of Ophthalmic Lenses - Glass 38 Remote Edging 74 Glass Photochromic Lenses 38 Remote edging - F.A.Q. 75 Speciality Absorbing Glass 39 Quality Assurance -
Securestar1.Pdf
discover the peace of mind that you will experience when choosing the protection provided by our SECURESTAR® program. protection that helps prevent loss due to check fraud including altered and counterfeited checks. With our SECURESTAR® line of products, we make it practical and affordable to protect every at-risk document issued by your financial institution. The Problem... CHECK FRAUD LOSS security features; each designed COUNTERFEITED CHECKS Check fraud loss in the u.S. continues to help in the fight against fraud: Check counterfeiting consists of year after year. This trend has been • Prismatic Backgrounds copying a valid check, without attributed to criminals having access • Padlock Icon authority or right, with the intent to to easy-to-use and affordable • Warning Band and Warning Backer deceive or defraud. The counterfeit technology such as personal • Microprint Signature Line check can be drawn on a legitimate computers, high-resolution scanners • High Resolution Border account or presented along with and laser printers to create realistic • Thermochromic Ink false identification. To protect fraudulent checks. They also use • Full Chemical Reactivity against counterfeit check fraud, chemical erasures to alter the checks • Invisible Fibers financial institutions may: and phony I.d.s to pass them. • Holographic Foil • Use a positive pay or reverse • Genuine Watermark in Paper positive pay program The best defense financial institutions • Holograms • Thoroughly review customer and commercial businesses can take • Toner-Fusing Paper -
Gilchrist Schools Receive an A
Serving Gilchrist County and Surrounding Area for over 89 Years 207 North Main Street, Trenton, Florida 32693 Phone (352) 463-7135 • Fax (352) 463-7393 $25.00 Digital Only, $25.00 Gilchrist County Price $30.00 Tri-County Area, $40.00 Out of Area Vol. 89 –– No. 8 www.gilchristcountyjournal.net Thursday, July 18, 2019 50¢ FDLE: Gilchrist Crime Rate up 75.8% SchoolSchool GradesGrades By Carrie A. Mizell the FDLE crime report shows a Sheriff Schultz said his department Gilchrist County residents realize The Florida Department of Law discrepancy in his department’s has changed reporting systems twice that this is not Chicago,” Schultz Enforcement’s 2018 Uniform Crime reporting of accurate crime statistics. since 2016 and he knows that only said. “We live in a safe community. Report has found Gilchrist County’s “The numbers that were reported half of the 2017 crime statistics were Anyone who has questions about 2018-20192018-2019 overall crime increased 75.8 percent for 2017 were not as accurate as reported. The sheriff said he typically our crime numbers, come sit and from 2017 to 2018. According to they should have been,” Schultz feels that the FDLE Uniform Crime talk with me, I can show you the real FDLE, robbery was down, while explained. “Whether it was computer Report gives a good representation numbers.” SCHOOL GRADE murder, rape, aggravated assault, or human error, only half of the of crime statistics in a county, but he In April 2018, local residents were burglary, larceny and vehicle theft numbers for 2017 got reported. We does not believe that the latest report rocked when two Gilchrist County was up in 2018. -
Qt06m573tf Nosplash 1496739
Media Laboratories The FlashPoints series is devoted to books that consider literature beyond strictly national and disciplinary frameworks, and that are distinguished both by their historical grounding and by their theoretical and conceptual strength. Our books engage theory without losing touch with history and work historically without falling into uncritical positivism. FlashPoints aims for a broad audience within the humanities and the social sciences concerned with moments of cultural emergence and transformation. In a Benjaminian mode, FlashPoints is interested in how literature contributes to forming new constellations of culture and history and in how such formations function critically and politically in the present. Series titles are available online at http://escholarship.org/uc/flashpoints. series editors: Ali Behdad (Comparative Literature and English, UCLA), Founding Editor; Judith Butler (Rhetoric and Comparative Literature, UC Berkeley), Founding Editor; Michelle Clayton (Hispanic Studies and Comparative Literature, Brown University); Edward Dimendberg (Film and Media Studies, Visual Studies, and European Languages and Studies, UC Irvine), Coordinator; Catherine Gallagher (English, UC Berkeley), Founding Editor; Nouri Gana (Comparative Literature and Near Eastern Languages and Cultures, UCLA); Susan Gillman (Literature, UC Santa Cruz); Jody Greene (Literature, UC Santa Cruz); Richard Terdiman (Literature, UC Santa Cruz) A complete list of titles begins on page 235. Media Laboratories Late Modernist Authorship in South America Sarah Ann Wells northwestern university press ❘ evanston, illinois this book is made possible by a collaborative grant from the andrew w. mellon foundation. Northwestern University Press www.nupress.northwestern.edu Copyright © 2017 by Northwestern University Press. Published 2017. All rights reserved. Portions of Chapter 1 appeared in an earlier form in articles published in Modernism/ Modernity 18.2 (2011): 425– 41 and Luso- Brazilian Review 53.1 (2016). -
Payroll Bulletin 02-2009
Department of Accounts Payroll Bulletin Calendar Year 2009 December 23, 2008 Volume 2009-02 In This Issue of 9 Change in Pay Card Procedure The Payroll Bulletin is published 9 Utility Field for Pre-Tax periodically to provide CIPPS agencies the Payroll guidance regarding Commonwealth payroll Deductions operations. If you have any questions about Bulletin….... 9 Fringe Benefit Expenditure Codes the bulletin, please call Cathy McGill at (804) 371-7800 or Email at for Severance [email protected] 9 Savings Bond Annual Purchase Limits State Payroll Operations 9 Military Pay Taxability Change Director Lora L. George Effective 1/1/2009 Assistant Director Cathy C. McGill Change in Pay Card (EPPICard) Procedure New Prenotes for direct deposit accounts were eliminated in December, 2006 with the Recommended exception of prenotes for deposits to the EPPICard. The purpose of prenoting the Procedure EPPICard account was to allow time for the actual card to be produced and mailed to the employee. There have been several instances when payroll funds have been deposited to a card not yet received by the employee because the agency was not notified that the card had not been received. To eliminate this problem, it is recommended that agencies institute a practice of requiring the employee to notify the payroll office when the card has been received. It is also recommended that the direct deposit deduction should not be established on H0ZDC until the agency is notified that the employee has received the card. Once notified, the agency should establish the deduction and override the automatic prenote by changing the last position of the utility field to a zero. -
BPI Therapeutic Tints
®™®™ % © 2006. Spectral curves and colors are registered with the US Copyright Office BPI FILTER VISION 450nm (BPI Winter Sun ) 90 80 USES: 70 BPI® ® ™ rfect • Night Blindness 60 WINTER SUN e 50 P • Macular Degeneration BPI# 37623 40 • Retinitis Pigmentosa 30 • Pre-operative Cataract 20 SM • Forensic Science 10 BPI# 37623 Tint n BPI# 99900 Frame and lenses • SAD (Seasonal Affective Disorder) isio 350 400 450 500 550 600 650 NM V ®™®™ % © 2006. Spectral curves and colors are registered with the US Copyright Office BPI FILTER VISION 480nm (BPI Euro-Brown ) 90 80 ® 70 BPI® USES: ™ 60 EURO-BROWN • Macular Degeneration 50 BPI# 37622 BPI • Retinitis Pigmentosa 40 • Pre-operative Cataract 30 • Forensic Science 20 10 THERAPEUTIC BPI# 376®22 Tint BPI# 99900 Frame and lenses 350 400 450 500 550 600 650 NM ® ® ®™ ® % © 2006. Spectral curves and colors are registered with the US Copyright Office TINTS BPI DIAMOND DYE 500nm Blue Barrier Tint 90 80 Tint Your Own Therapeutic ® USES: ® ® 70 BPI DIAMOND ™ Lenses With BPI Therapeutic Tints. • Macular Degeneration 60 DYE 5 00nm • Retinitis Pigmentosa 50 BPI# 37604 Order Therapeutic Lenses from 40 ® • Post-operative Cataract BPI Laboratories. 30 • Aphakia/Pseudophakia 20 • Forensic Science 10 Send Your Prescription Lenses To BPI# 37604 Tint ® BPI# 99900 Frame and lenses • Dentistry BPI Laboratories For 350 400 450 500 550 600 650 NM Therapeutic Tinting ®™ ® % © 2006. Spectral curves and colors are registered with the US Copyright Office BPI DIAMOND DYE 540nm Blue Barrier Tint 90 Complete Frames With 80 Therapeutic Lenses Or Clip-ons 70 BPI® DIAMOND USES: DYE ™5 40nm Also Available. -
HEADLINE NEWS • 6/26/05 • PAGE 2 of 12
CAN BAGO BAG ANOTHER G1? HEADLINE ...p9 NEWS For information about TDN, DELIVERED EACH NIGHT BY FAX AND FREE BY E-MAIL TO SUBSCRIBERS OF call 732-747-8060. www.thoroughbreddailynews.com SUNDAY, JUNE 26, 2005 A FAIRY TALE ENDING LIKE FATHER, LIKE SON? It was one of the few races Inside Information failed With Hurricane Run (Ire) (Montjeu {Ire}), Scorpion to win. Sent off the 7-10 favorite in the 1994 edition of (Ire) (Montjeu {Ire}) and Walk in the Park (Ire) (Montjeu the GI Mother Goose S., the {Ire}) to represent him, Coolmore’s stallion sensation champion suffered the only looks to be in a win-win situation defeat of her sophomore sea- in today’s G1 Budweiser Irish son, finishing a shocking 10 Derby at The Curragh. It was six 1/4 lengths behind Lakeway years ago that the John as she crossed the finish line Hammond-trained Montjeu took in third. Injured in the race, apart his rivals in this Classic. she was then sidelined for five With an Epsom Derby winner months. But her daughter already in his first crop thanks to Smuggler Adam Coglianese Smuggler (Unbridled) made up Motivator (GB), a famous double for that loss with a game per- could be on the cards. Scorpion Montjeu Glyn Kirk/Action Plus formance in the 49th running of the filly Classic at has the most to prove of his trio, Belmont Park yesterday. “This is pretty exciting for but, according to Racing Post, was “all the rage” after me,” said trainer Shug McGaughey, who also condi- breaking his maiden at Leopardstown May 8. -
Merchant Services Program Terms and Conditions
Merchant Services Program Terms and Conditions (Program Guide) PREFACE Thank you for selecting us for your payment processing needs. Accepting numerous payment options provides a convenience to your customers, increases your customers’ ability to make purchases at your establishment, and helps speed payment to your account. These Program Terms and Conditions (“the Program Guide”) presents terms governing the acceptance of Visa,® MasterCard® and Discover® Network Credit Card and Non-PIN Debit Card payments. The Program Guide also includes provisions applicable to American Express® and Other Services. Other Services include all services related to: JCB® Card, PIN Debit Card, and Electronic Benefits Transfer payments, and acceptance of Cards from other Non-Bank Card Organizations such as Voyager Fleet Systems, Inc. (“Voyager”), Wright Express Corporation and Wright Express Financial Services Corporation (collectively, “WEX”). Your Merchant Processing Application will indicate the types of payments and Services you have elected to accept. This Program Guide, your Merchant Processing Application and the schedules thereto (collectively, the “Agreement”), contains the terms and conditions under which Processor and/or Bank and/or other third parties will provide services to you. We will not accept any alterations or strike-outs to the Program Guide and, if made, any such alterations or strike-outs shall not apply. Please read this Program Guide completely as it contains important information. You acknowledge that all Services referenced in the Agreement may not be available to you. IMPORTANT INFORMATION ABOUT BANK’S RESPONSIBILITIES: Discover Network Card Transactions, American Express Card Transactions and Other Services are not provided to you by Bank, but are provided by Processor and/or third parties. -
GO DIGITAL! Catalogue
GO DIGITAL! culture at your fingertips 1 CATALOGUE All proposals contained in this catalogue have been developed by six or- ganizations – members of the Strategic Partnership “Go digital! Culture at your fingertips” – between September 1st, 2016 and November 30th, 2017. The project has been funded with support from the European Commission. This catalogue reflects the views only of the author, and the Commission cannot be held responsible for any use which may be made of the informa- tion contained therein. TABLE OF CONTENTS 1. Seniors 7 2. Teaching digital skills to seniors 11 3. Activities: 15 Social togetherness 16 Seek and find 18 Search for a cultural event 20 Book and pay for a cultural event 24 Smart art 28 Let’s create an e-book 30 Kahoot quiz 32 Digital memory album 34 Compose & Play: the sound of the city 38 The new me - a photomontage 40 Animation - not for kids 42 4. Evaluation 45 5. Glossary of terms 51 6. Partners 69 6 SENIORS 7 SENIORS Inhabitant structure of the European Union is changing and growing older, which means that older population is becoming more and more important. This is also influencing the labour market, families and individuals. We cannot clearly define the line between middle age and senior period, because it does not have the same meaning in all societies and because getting old is a process of biological, psychological and social changes. However, we can define a person as a senior citizen when something changes in their activities or in their role in the society, for example when they become grandparents, when they retire, or when they reach a cer- tain age. -
A Pragmatic Check out System for Remedy Eyeglasses Vinutha H1, Rajeshwari S2 Assistant Professor1, 2 Department of ISE Rajarajeswari College of Engineering, India
ISSN XXXX XXXX © 2018 IJESC Research Article Volume 8 Issue No.4 A Pragmatic Check out System for Remedy Eyeglasses Vinutha H1, Rajeshwari S2 Assistant Professor1, 2 Department of ISE Rajarajeswari College of Engineering, India Abstract: Vision correcting specs leave progressed the bum millions of folks. Eye frames moderately have an effect on the wearer’s image, and the choice of latest pairs of goggles is essentially in response to how the eyeglasses express just after wearers try the system on. However, an generally overviewed information is that one punitive lenses plan lie led to by the refraction outcome. Prescription lorgnette plan refraction final results that modify the wearer’s presence. The eyes of individual dressed in disciplinary lenses for nearsightedness materialize lower come dressed in non preparation lenses, while inspection of an individual dressed in lenses for hyperopia show up bigger. The conventional means of stressful and picking new goggles frames within a stone and glue emporium has an important fault: sunglasses at the emblazon are geared up amidst trial lenses that one know blank punitive prestige, and hence refraction doesn't cripple inquiry. Thus, practicers cannot see what they are going to in fact sound like in expectation their practice instruction lenses are connected within the frames and the reduction is very last. Their presentation determinations vary of the in-store case that may result in adversity and buyer’s grief, particularly for methoders amidst intense specs instructions. A send occurs stable including wired retail outlets, which permit ruler to nearly analysis contacts frames by overlaying diehards out upon a dossier perception. -
University Family Guide
UNIVERSITY FAMILY WHAT TO EXPECT | EVERYTHING YOU ’ VE ALWAYS WANTED TO KNOW | RESOURCES 1 UNIVERSITY FAMILY TABLE OF CONTENTS 3 LETTER FROM THE PRESIDENT 4 MISSION STATEMENT 5 CONTACT INFORMATION 6 ACADEMIC CALENDAR 8 GUIDING PRINCIPLES AND BENEDICTINE VALUES 10 HISTORY OF SAINT MARTIN’S 12 SERVICES FOR STUDENTS 28 TIPS FOR FAMILIES 30 WHAT TO EXPECT 34 WHAT CAN PARENTS DO? 35 WAYS TO STAY IN TOUCH 36 WAYS TO COMMUNICATE WITH YOUR STUDENT 39 RESOURCES FOR FAMILIES OF A COLLEGE STUDENT 40 THE BUCKLEY AMENDMENT STATEMENT 2 Family Guide Dear Families, Welcome to Saint Martin’s University! The families TABLE OF CONTENTS of our students are important members of our educational community — a community founded on the 1,500-year-old Benedictine traditions of hospitality, respect, service and stewardship. Driven by these values, the faculty and staff of Saint Martin’s are dedicated to the success of each student, both inside and outside the classroom. You play an important role in your student’s transition to the “Saint Martin’s Experience.” The transition to a new campus environment may be a challenge for him or her. It may be challenging for you as well, as your child may no longer rely on the daily guidance you have been providing for so long. Our community will support your student to become a strong and independent individual, while ensuring that he or she continues on the path you have worked so hard to pave. In doing so, we pledge to you that we will be open and welcoming to your questions and need for information.