Currently we are under the impression that if there is a new world war, it will probably be in cyberspace, where there are neither laws nor restrictions, which can be a great advantage. The Internet also shows its dark side, maximized for use in military actions of espionage and sabotage, either by nations or any other non-governmental entity. The cybertroops may be used for both defense and for an ample offensive, hitting all sectors where there are connections and vulnerabilities. The problem is so present, that the United Nations studied a project to protect the state structures on the Internet and the organization of Cyber-Centers in NATO, anticipating the possibility that this new type of conflict will occur, and it is more possible today than a nuclear war. The threats generated by computer networks can be classified into five types, or what we call the 5Cs. A cyber threat is an effort to obtain non-authorized access to an online system, with the objective of extracting or manipulating data, violating the confidentiality, authenticity, integrity, or availability of the data within the system. Generally, it is performed by spyware, which may be introduced via legit software or via a Trojan virus. The same concept may be used for cyber espionage. Cyber war is defined as a group of actions adopted by countries against computer systems of other countries, with the objective of causing damage or interruption of services (see the Estonia case, in 2003, the first registered occurrence). Finally, Cyber terrorism is the use of the Internet to organize and execute attacks against critical computer networks, systems, and infra-structures, aiming to destroy or incapacitate them, as ideological motivations, causing chaos in the economy and inflicting fear in the population. We left cyber crime out, because of its criminal nature. In a way, their weapons are more precise and lethal than conventional weapons: until the super viruses are detected, they have already caused much irreparable damage to the opponent, similar to the effects of bacterial virus. A common characteristic of cyber war, as well as of other virtual threats, is that it becomes almost impossible to detect who initiated or sponsored such actions, because the trails left behind, most of the time, are part of the disinformation practice. However, the biggest threat to all countries is that they can also be triggered by non-governmental parties, driven or not by different motives, breaking a historical paradigm which governments previously initiated via their Armed Forces. *André Luís Woloszyn, Strategic Affairs Analyst By Dialogo February 12, 2013
By Taciana Moury/Diálogo April 23, 2019 Major Felipe Biasi Filho, Captain Pedro Henrique de Araujo Bezerra Mendes, and Captain Albemar Rodrigues Lima, all from the Brazilian Army (EB, in Portuguese), are part of an unprecedented Brazilian mission to the Central African Republic (CAR). The officers are part of a group of 180 service members from 12 nations, who work at the European Training Mission in the Central African Republic or EUTM RCA (RCA being the French acronym for the African country). EUTM RCA, with headquarters in Bangui, the country’s capital, is a peacekeeping operation that works in coordination with the United Nations Integrated Multidimensional Stabilization Mission in the Central African Republic and other international and nongovernmental organizations. The goal is to overhaul the defense department and national security through planning and execution of consulting, training, and operational training activities for the Central African Armed Forces (FACA, in French). “In general, our function is to support the development of FACA’s capabilities, to make it self-sustainable to fulfill legal requirements in the defense and security department,” said Maj. Biasi. The Brazilian officers arrived in the African country in January 2019, and will remain there until January 2020. For administrative purposes, EB service members are linked to the Portuguese contingent. A bilateral Brazil-Portugal agreement approved by the European Parliament secured Brazil’s participation in the mission. History The conflict in CAR started in December 2012. The predominantly Muslim Seleka—a coalition of armed groups from the north of the country, whose name means alliance, in Sango, the region’s creole language—conducted an offensive operation toward the capital and assumed power. Violent incidents led to the emergence of Anti-Balak, Christian allegedly self-defense groups, which aggravated confrontations. EUTM RCA activities are based on three pillars: strategic advice, to aid planning and execution of activities at the Armed Forces General Staff and Defense Ministry levels; educational, to train FACA’s officers and noncommissioned officers (NCOs); and operational training to plan and execute training for segments of FACA units. Within this organization, Brazilian service members occupy strategic advisory positions with Capt. Albemar, and educational advisory positions with Maj. Biasi and Capt. Pedro Mendes. “Capt. Albemar performs logistics advisory functions through the implementation of planning and participation in meetings with the Armed Forces General Staff, the Ministry of Defense, and logistics companies within the country to find solutions and promote the strengthening of the sector,” said Maj. Biasi to Diálogo. “I teach intelligence courses and Capt. Pedro Mendes is in charge of International Humanitarian Law and English,” he said. The officers teach their respective areas in officer training classes, short-term internships, and refresher classes for officers and NCOs who are part of FACA’s Territorial Infantry battalions. At EUTM RCA’s base, the official language is English, used for internal documents and daily briefings. However, French is the language for courses, meetings, reports, and interactions with agencies and local institutions. Preparations for the mission took place in two phases. The first was under the coordination of the Land Forces Command, an EB unit with headquarters in Rio de Janeiro. Participants underwent psychological tests, among others, and received all the material for individual protection, uniforms, and medicine needed for the trip. In December 2018, the second phase took place at the Portuguese Army’s 1st Anti-Aircraft Artillery Group in Queluz city, Lisbon. The unit prepares the Portuguese contingent. “We receive instructions on the current situation in CAR and on the specifics of EUTM RCA. We do target practice with individual weapons (rifle and pistol) from the Portuguese Army, combat first aid and psychological first aid training, and attend French classes,” said Maj. Biasi. Challenge According to Brazilian service members, the unprecedented nature of the experience was the main challenge to overcome. “We must keep the high standards of professionalism and dedication of Brazilian service members who were part of a UN [United Nations] peacekeeping operation,” said Maj. Biasi. “The fact that this activity has a different characteristic from what we are used to with the UN also makes it difficult.” “There is no room for failure; After all, it’s important to be able to contribute to the development of the armed forces of a country that’s temporarily unstable,” said Capt. Albemar. “The best part is to see the initial results of this work on site, with the assurance that this effort contributed, directly or indirectly, to save lives.” Capt. Pedro Mendes pointed out that the sacrifices and risks related to this type of activity are real, but the magnitude of the mission is motivating. “We can honor one of the principles of our profession, which is to avoid war. We help a country devastated by civil war and with serious social issues,” he said. “To be a peace instructor in one of the countries with the worst HDI [Human Development Index] in the world is, without a doubt, one of the most noble missions I was assigned in my life.” The officer also highlighted the importance of Brazilian service members working with different armies worldwide. “This is a way of expressing Brazilian military national power, showing that we are on equal footing with other countries in the world,” said Capt. Pedro Mendes. “The professional exchange enables the training of EB’s human resources.”
A fascinating new report by McKinsey & Company highlights that credit unions can drive organizational value by creating an analytics culture.The report recognizes that financial services analytics has reached a point where marketing was in the 1970’s for the banking sector. Prior to that time, sales and marketing initiatives for credit unions and banks were rare. In 2017, a credit union would find it difficult to survive without some level of marketing effort.Credit unions today are beginning to acknowledge the potential benefits of analytics. Some brave pioneers in the industry have already gained experience in this area. Now, analytics is poised to be a mainstream activity. To this point the authors admonish credit unions and banks to, “establish analytics as a business discipline”. The implication is organizations must make a serious commitment to building an analytics culture.What can a credit union do to support such a commitment? The report lists 10 essential guidelines. continue reading » 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Credit unions continue to experience tight margins due to many factors, including low interest rates, a flattening of the yield curve, growth of share accounts, shrinking loan portfolios and a shift in balance sheet structures. Even with a recent uptick in net interest margin for the overall credit union industry (up to 3 percent for Q1 2017), credit unions continue to operate in a historically low NIM environment. As net interest margin typically represents 50 to 85 percent of an institution’s bottom-line income, finance teams need an accurate and consistent methodology for calculating and analyzing NIM to truly measure profitability and performance. Although credit union mission statements are geared toward serving members, profitability is nonetheless an important factor in determining institutional health and viability and needs to be considered strategically in your organization.In an environment of tight margins, employing matched-term funds transfer pricing as a tool for proactive margin management provides an opportunity to improve bottom-line results. Funds transfer pricing is an internal management information system designed to allocate NIM across all segments of the credit union, including branches, products and members. FTP is often used for historical analysis and measurement, but should also be an integral part of strategic planning, budgeting and forecasting to ensure alignment with organizational goals and strategies. Let’s examine the use of FTP throughout the enterprise performance management cycle. 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »
Facebook11Tweet0Pin0 Many Thurston County residents worship the sun. We live for the days of a bright yellow sunshine in the five-day forecast. To see a string of days without rain clouds is certainly a treat.When the temperature rises, there are some new behaviors that you can incorporate into your daily habits. These easy-to-implement tasks can reduce your energy bills.Install a programmable thermostat that brings your house to a comfortable temperature when you are typically at home and stops heating or cooling your living space when you tend to be out.If your home has a central air conditioning, set the temperature to cool at 78 degrees. Home owners typically save about six to seven percent off cooling costs for each degree above 78 degrees.Pull window shades. Our neighbors in Southern California know to close blinds on sunny days, but people living in the Pacific Northwest sometimes forget that to keep the hot sun out, you need to pull the shades. Open the shades in the winter to bring in warm rays.Turn off lights, appliances and electronics when not in use. During a Washington summer, we benefit from long hours of daylight. Take advantage of this natural light and leave the lights off. This step will keep your house cooler and your energy bill down.If the hot weather is too much, look for an Energy Star air conditioner. This designation means that the cooling unit is the most energy efficient model on the market. Situate a window air conditioner out of direct sunlight. They work best when kept cool.Replace an old central air conditioner with a new Energy Star qualified model. Often this can reduce your cooling costs by up to 20%. Schedule an inspection to make sure that your heating and cooling system is working at peak efficiency.Install a ceiling fan. This is a less expensive way to cool down. During hot weather, a ceiling fan will create a cool breeze and circulate air around your home.Get rid of hot air by using an exhaust fan to blow hot air out of your kitchen. Similarly, take cooler showers and baths to avoid adding hot, humid aid to your home.Cook outside. Instead of using your oven or stove, use your barbecue, microwave or countertop appliances. A microwave uses 75% less energy than a regular electric oven.Install Energy Star compact fluorescent (CF) light bulbs in your most used fixtures and lamps. CF bulbs radiate less heat and will save you an average of $30 – $40 over the lifespan of each bulb.For more examples of how to reduce your heating bills and improve your home’s energy efficiency, click here.
Jofra ArcherAdvertisement NBA Finals | Brooklyn Vs5tWingsuit rodeo📽Sindre E7pd8( IG: @_aubreyfisher @imraino ) bpWould you ever consider trying this?😱7gdmCan your students do this? 🌚57s4dRoller skating! Powered by Firework England’s World Cup hero, Jofra Archer has condemned the racial abuse he suffers “on a regular basis” – while asking the authorities to take proper action. On Tuesday the 24-year-old speedster uploaded a screenshot of the racial slurs he received on the social media platform Instagram a couple of days ago, citing that he does not understand why someone would make such comments. Advertisement Picture Credit: BBC Sport“I have given a lot of thought about reacting to this and I hope no one else has to deal with stuff like this on a regular basis, it is not ever acceptable and should be addressed properly in my opinion. I will never understand how people feel so free to say these things to another human being, it baffles me,” Archer wrote on his Instagram story along with the screenshot of the racial abuse on Monday evening.Picture Credit: IG/jofraarcherThe Rajasthan Royals bowler, who helped England lift their first ever World Cup last year at home, said the issue needed to be “addressed properly”.Advertisement However, this isn’t the first time that Archer has been subjected to racial abuse. During England’s tour of New Zealand last November, Archer experienced the shameful practice as he scored a second-innings 30 during England’s defeat in Mount Maunganui.“A bit disturbing hearing racial insults today while battling to help save my team. The crowd has been amazing this week except for that one guy. The Barmy Army was good as usual also.” Archer tweeted after the match.Advertisement Following the incident, a police investigation was launched and the New Zealand Cricket Council on January announced that a 28-year-old man had been identified as the perpetrator. The man was then handed a ban from all of the country’s stadiums for two years while being issued a verbal warning for using insulting language by the authorities.But Archer feels that isn’t enough to stop such incidents. The Sussex pacer who is recovering from a stress fracture in his elbow, last week, tweeted a link to a YouTube video which accused him of pulling “race card nonsense” regarding the abuse he suffered in New Zealand.“This is the most rubbish I’ve ever seen on the internet and it makes me sick to my stomach,” he said in the tweet. You may also like:Jofra Archer subjected to racial abuse in innings defeat, New Zealand Cricket issues apologyPolice are investigating alleged racially-aggravated assault at Chelsea’s club academy Advertisement