Tag: ICT

Move over Mastercard/Visa

Go Lean Commentary

CU Blog - Move over Mastercard-Visa - Photo 3The book Go Lean…Caribbean describes a new regime for Caribbean economic circles: a world where most payments are conducted via electronic means. While this may be the future for the Caribbean, frankly it is already the reality for North America and Western Europe!

In the Caribbean, we are behind the times; we party like its 1969!

Electronic Payments schemes are no longer optional. These must be deployed, as soon as possible, to forge the change necessary to elevate Caribbean society. The trend has started; see the news article here of a card payment scheme deployed recently in the Bahamas:

Title: More Than 4,000 Residents Now Using Social Services Debit Card
By: Ricardo Wells, Staff Reporter, The Tribune – Bahamas Daily Newspaper – Posted 05/19/2015; retrieved 06/24/2015 from:  http://www.tribune242.com/news/2015/may/19/more-4000-residents-now-using-social-services-debi/

MORE than 4,000 residents of New Providence are now part of the Department of Social Services’ modernised food assistance programme.

Officials announced yesterday the approval of an extra 1,501 clients from the Horseshoe Drive Centre to the programme, joining 780 clients registered at the Wulff Road Centre, 874 at the Fox Hill Centre and 1,660 at the Robinson Road Centre, bringing the total to 4,365 in possession of the new pre-paid debit card.

Social Services Minister Melanie Griffin said that although the new pre-paid cards do not resolve all of the issues and problems that exist in the department’s food programme, they allow “clients that are truly in need the ability to shop and purchase needed food items with ease and comfort”.

Mrs Griffin explained that the cards provide users with the ability to not only to limit their contact with centres, but gives them more freedom by allowing them to determine how much they spend in one location and the ability to shop at different establishments in one payment period.

According to the Yamacraw representative, all three are features not allowed by the previous voucher system operated by the department.

“It was a long, hard road getting to this point but with the addition of each centre, we gained more experience and improved the processes involved,” said Mrs Griffin.

She added: “We now turn our efforts to the introduction of the card in Grand Bahama and the FamilyIslands as we intend for this payment method to be utilised throughout the Bahamas.”

Officials from the department indicated that the implementation process is already under way in Grand Bahama with people registered for assistance now being reassessed.

The department suggested that the new cards would first be issued at the Eight Mile Rock Centre and then throughout Freeport.

In November, officials introduced the new debit card in conjunction with Bank of The Bahamas (BOB).

It is designed to curb abuse of the food coupon system, and is seen as a key reform to how the government distributes aid to poor Bahamians.

CU Blog - Move over Mastercard-Visa - Photo 2Mrs Griffin said last year that the card was one feature of wide-ranging upgrades to the Bahamas’ social safety net, a programme being financed with $7.5m from the Inter-American Development Bank (IDB).

In January, the government had approved a five per cent increase in the Department of Social Services’ food assistance budget to counteract the impact of VAT on the poor.

Last June, the Department of Statistics said that since 2001, poverty levels in The Bahamas have risen by 3.5 per cent, while more than 40,000 people in the country live below the poverty line – defined as an annual income of less than $5,000 a year.

Other examples abound. The Go Lean book (Page 353) identifies the system deployed in American states and territories (including Puerto Rico and the US Virgin Islands) branded EBT (Electronic Benefits Technology).

We must therefore examine models used around the world to facilitate these payment systems. The Go Lean book specifically draws attention to the model of the Mastercard/Visa Interchange and Clearinghouse; (Page 172). The book serves as a roadmap for the introduction and implementation of the Caribbean Union Trade Federation (CU) and the Caribbean Central Bank (CCB). This Go Lean roadmap has 3 prime directives:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
  • Establishment of a security apparatus to protect the resultant economic engines.
  • Improvement of Caribbean governance to support these engines.

This Go Lean/CU/CCB roadmap defines that despite coins and notes, the regional currency, the Caribbean Dollar (C$), will be heavily-targeted as a cashless currency. So the CCB will settle all C$ electronic transactions in the style of the MasterCard-Visa Interchange & Clearinghouse. See the definition in the Appendix below. The book relates (Page 172) how this activity would be a fundamental revenue source for Caribbean governance; as the Mastercard/Visa model now enjoys interchange and clearance fees in excess of 1% – 2% of transaction amounts; (pricing is based on different transaction/industry/card types + flat fees).  The Appendix summarizes total revenue for a recent year at $30 Billion for US operations alone. Yes, the pennies add up!

(The latest Visa Bankcard Acquiring fees, effective 16 April 2015, are detailed here on their website: http://usa.visa.com/download/merchants/Visa-USA-Interchange-Reimbursement-Fees-2015-April-18.pdf)

According to the foregoing news article, why would the Bahamas government pay interchange fees to the American entity that is the Mastercard/Visa clearinghouse. The money on deposit originates in the Bahamas, the currency is Bahamian Dollars and the merchants are Bahamian. Why is there a need to share the transaction revenue outside the border with an American entity?

This reeks of Crony-Capitalism!

This subject and application vividly depicts the need for a local Caribbean solution of the technology and processing for card transaction interchange. This is the quest of the Go Lean…Caribbean roadmap.

However, this issue is about more than just technology, it relates to economics as well. A previous blog/commentary related how electronic payments provide the impetus for M1, the economic measurement of currency/money in circulation (M0) plus overnight bank deposits. A mission of Go Lean is to increase M1 values, thereby facilitating the dynamic called the “money multiplier” – creating money “from thin-air”. This is a BIG deal!

The Go Lean/CU/CCB movement declares: “Move Over Mastercard/Visa!”

We must model the Mastercard/Visa clearinghouse and learn lessons from their good, bad and ugly history.

It is argued that this interchange is classic Crony-Capitalism, the use of the public trust for the pursuit of private profits. This is evident with their monopolistic integration of bankcard processing despite being two separate for-profit entities (association/ cooperative of banks). This is a familiar charge against this clearinghouse; they have been constantly accused of these abusive practices:

Price-fixing
Regulators in several countries have questioned the collective determination of interchange rates and fees as potential examples of price-fixing. Merchant groups in particular, including the U.S.-based Merchants Payments Coalition and Merchant Bill of Rights, also claim that interchange fees are much higher than necessary,[14] pointing to the fact that even though technology and efficiency have improved, interchange fees have more than doubled in the last 10 years. Issuing banks argue that reduced interchange fees would result in increased costs for cardholders, and reduce their ability to satisfy rewards on cards already issued.

Consumer welfare
A 2010 public policy study conducted by the Federal Reserve concluded the reward program aspect of interchange fees results in a non-trivial monetary transfer from low-income to high-income households. Reducing merchant fees and card rewards would likely increase consumer welfare.[15]
The Merchants Payments Coalition is fighting for a more competitive and transparent card fee system that better serves American consumers and merchants alike. Because swipe fees are hidden, consumers are unable to weigh the benefits and costs associated with choosing a particular form of payment. Eliminating hidden swipe fees is advocated as a means to realize an open market system for electronic payments.[16]

Creating the optimized CU/CCB governance is “Step One, Day One” in the Go Lean roadmap. The strategy is to implement the CCB and C$ currency with a regulatory framework fortified by best-practices, technology and infrastructure, to facilitate the electronic payments needs of the Caribbean community.

The roadmap posits that to adapt and thrive in the new global marketplace there must be more strenuous management, technocratic optimizations, of the region’s governance … and payment systems. This is the charge of Go Lean roadmap, opening with the Declaration of Interdependence (Page 12 – 13) and these pronouncements:

xi. Whereas all men are entitled to the benefits of good governance in a free society, “new guards” must be enacted to dissuade the emergence of incompetence, corruption, nepotism and cronyism at the peril of the people’s best interest. The Federation must guarantee the executions of a social contract between government and the governed.

xii.  Whereas the legacy in recent times in individual states may be that of ineffectual governance with no redress to higher authority, the accedence of this Federation will ensure accountability and escalation of the human and civil rights of the people for good governance, justice assurances, due process and the rule of law…

xxiv.   Whereas a free market economy can be induced and spurred for continuous progress, the Federation must install the controls to better manage aspects of the economy: jobs, inflation, savings rate, investments and other economic principles. Thereby attracting direct foreign investment because of the stability and vibrancy of our economy.

xxv.   Whereas the legacy of international democracies had been imperiled due to a global financial crisis, the structure of the Federation must allow for financial stability and assurance of the Federation’s institutions. To mandate the economic vibrancy of the region, monetary and fiscal controls and policies must be incorporated as proactive and reactive measures. These measures must address threats against the financial integrity of the Federation and of the member-states.

The foregoing article, demonstrates that this region is ready for a local payment-card clearinghouse solution. The Go Lean book details a series of community ethos, strategies, tactics, implementations and advocacies to foster the proper controls for electronic payments/virtual money in the Caribbean region:

Community Ethos – Economic Principles Page 21
Community Ethos – Money Multiplier Principle Page 22
Community Ethos – “Light Up the Dark Places” Page 23
Community Ethos – Lean Operations Page 24
Community Ethos – Cooperatives Page 25
Community Ethos – Ways to Impact the Future Page 26
Community Ethos – Promote Intellectual Property Page 29
Community Ethos – Ways to Bridge the Digital Divide Page 31
Tactical – Separation of Powers – Central Banking Page 73
Implementation – Assemble Central Bank Cooperative Page 96
Implementation – Ways to Deliver Page 109
Implementation – Ways to Impact Social Media Page 111
Planning – 10 Big Ideas – Currency Union / Single Currency Page 127
Planning – Ways to Improve Interstate Commerce Page 129
Anecdote – Caribbean Currencies Page 149
Advocacy – Ways to Mitigate Black Markets – e-Payments Page 165
Advocacy – Government Revenue Options – Interchange Fees Page 172
Advocacy – Ways to Foster Cooperatives – Cooperative Banking Page 176
Advocacy – Ways to Impact Cruise Tourism – Smartcard scheme Page 193
Advocacy – Ways to Foster Technology – e-Government Services Page 197
Advocacy – Ways to Foster e-Commerce – Card Culture Page 198
Advocacy – Reforms for Banking Regulations – Credit Card Banking Page 199
Appendix – Alternative Remittance Modes – Prepaid Card Option Page 270
Appendix – Electronic Benefits Transfers in the Caribbean Region Page 353

The points of effective, technocratic payment system stewardship, were further elaborated upon in these previous blog/commentaries:

https://goleancaribbean.com/blog/?p=5542 Economic Principle: Bad Ethos of Rent-Seeking – Something for nothing
https://goleancaribbean.com/blog/?p=4425 Cash, Credit or iPhone …
https://goleancaribbean.com/blog/?p=3889 RBC EZPay – Ready for Change
https://goleancaribbean.com/blog/?p=3617 Bahamas roll-out of VAT leading more to Black Markets
https://goleancaribbean.com/blog/?p=2074 MetroCard – Model for the Caribbean Dollar
https://goleancaribbean.com/blog/?p=1350 PayPal expands payment services to 10 markets
https://goleancaribbean.com/blog/?p=906 Bitcoin virtual currency needs regulatory framework to change image
https://goleancaribbean.com/blog/?p=833 One currency, divergent economies

Now is the time for all of the Caribbean, the people, the banking establishments and governing institutions, to lean-in for the empowerments described in the book Go Lean … Caribbean. We must “protect our own house” and work towards our own future. We do not need Mastercard/Visa clearinghouse to do what we can do ourselves; see the VIDEO here.

VIDEO – Toy Story 3 Visa Debit Card Commercial https://youtu.be/VbVa0cPAJ1g

Uploaded on May 18, 2010 – Visa Bankcard TV Commercial demonstrating the substitution for cash, depicting characters from the Disney-PIXAR movie, TOY STORY 3: Woody and the gang tries to save Buzz.

The responsibility to transform the Caribbean’s payment systems should be that of Caribbean stakeholders; our duty and accountability alone. This is the attitude that leads to the ultimate goal: to make the Caribbean a better place to live, work and play.  🙂

Download the free e-Book of Go Lean … Caribbean – now!

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Appendix – Mastercard/Visa Interchange Fees
(Source: https://en.wikipedia.org/wiki/Interchange_fee)

Interchange fee is a term used in the payment card industry to describe a fee paid between banks for the acceptance of card based transactions. Usually it is a fee that a merchant’s bank (the “acquiring bank”) pays a customer’s bank (the “issuing bank”) however there are instances where the interchange fee is paid from the issuer to acquirer, often called reverse interchange.

In a credit card or debit card transaction, [(like Mastercard and Visa)], the card-issuing bank in a payment transaction deducts the interchange fee from the amount it pays the acquiring bank that handles a credit or debit card transaction for a merchant. The acquiring bank then pays the merchant the amount of the transaction minus both the interchange fee and an additional, usually smaller, fee for the acquiring bank or independent sales organization (ISO), which is often referred to as a discount rate, an add-on rate, or passthru. For cash withdrawal transactions at ATMs, however, the fees are paid by the card-issuing bank to the acquiring bank (for the maintenance of the machine).

These fees are set by the credit card networks,[1] and are the largest component of the various fees that most merchants pay for the privilege of accepting credit cards, representing 70% to 90% of these fees by some estimates, although larger merchants typically pay less as a percentage. Interchange fees have a complex pricing structure, which is based on the card brand, regions or jurisdictions, the type of credit or debit card, the type and size of the accepting merchant, and the type of transaction (e.g. online, in-store, phone order, whether the card is present for the transaction, etc.). Further complicating the rate schedules, interchange fees are typically a flat fee plus a percentage of the total purchase price (including taxes). In the United States, the fee averages approximately 2% of transaction value.[2]

CU Blog - Move over Mastercard-Visa - Photo 1In recent years, interchange fees have become a controversial issue, the subject of regulatory and antitrust investigations. Many large merchants such as Wal-Mart have the ability to negotiate fee prices,[3] and while some merchants prefer cash or PIN-based debit cards, most believe they cannot realistically refuse to accept the major card network-branded cards. This holds true even when their interchange-driven fees exceed their profit margins.[4] Some countries, such as Australia, have established significantly lower interchange fees, although according to a U.S. Government Accountability study, the savings enjoyed by merchants were not passed along to consumers.[5] The fees are also the subject of several ongoing lawsuits in the United States.

Interchange fees are set by the payment networks such as Visa and MasterCard.

In the US Card issuers now make over $30 billion annually from interchange fees. Interchange fees collected by Visa[6] and MasterCard[7] totaled $26 billion in 2004. In 2005 the number was $30.7 billion, and the increase totals 85 percent compared to 2001.

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Taylor Swift withholds Album from Apple Music

Go Lean Commentary

The music business is first and foremost a business – Unknown Author

Caribbean people love music. The promoters of the roadmap for a new Caribbean, based on the book Go Lean…Caribbean, love music. The book identifies 169 genres of music pervasive in the Caribbean region, think Reggae, Merengue, Soca, Compas (Haiti). But the book and the news article/VIDEO below relate that the challenge in the music business is the business functionalities itself. Consider these additional quotations from musical greats about this current and historic dilemma:

Music is spiritual. The music business is not. – Van Morrison

Music and the music business are two different things. – Erykah Badu

I happened to come along in the music business when there was no trend. – Elvis Presley

The desire to hit a big home run is dominating the music business. – Billy Corgan

At the end of the day, there’s only a few major stars in the music business, and then there’s all these people that are aspiring to be that. – John Legend

CU Blog - Taylor Swift Withholds Album From Apple Music - Photo 1One of the stars of contemporary music, Taylor Swift (see Appendix below), has now reached-out and reached-in to impact this industry, the music business. She has used her financial wherewithal, immerse popularity, huge influence and massive following to force change in this industry. Despite the historical abuse, this one person is making a difference … here and now!

This aligns with the book Go Lean…Caribbean which posits that one person can advocate in a community and transform it for change. The book serves as a roadmap for the introduction and implementation of the Caribbean Union Trade Federation (CU). The CU seeks to empower the economic engines of the region, including the music and performing arts industry. The book vividly depicts how Caribbean music is great, but the Caribbean music industry is in shambles. It is difficult for artists and stakeholders to make a living in this industry in this region. This assessment is not due to any lack of music consumption or music appreciation, but rather due to the lack of a music retailing eco-system.

As depicted in the following VIDEO, most music consumption now take place via the electronic media (internet downloads, streaming, mobile devices, etc.). This is a trend that has been undermining the music industry for 2 decades now, and yet the industry stakeholders have been slow to adapt to this transforming world. This is a parallel reality for Caribbean life in general: Agents of Change (Technology, Globalization) have “rocked” the societal engines, and yet the region has still not adapted adequately. The same as one person, Taylor Swift, is hereby making an impact; this commentary asserts that a similar transformation can occur here at home, in many different arenas in society. See this source news article and VIDEO here:

Title: Taylor Swift Withholds Album From Apple Music
By Blogger: Barbara Chai
Source: Wall Street Journal Online Blogs; posted June 21, 2015; retrieved from: http://blogs.wsj.com/speakeasy/2015/06/21/taylor-swift-writes-open-letter-to-apple-we-dont-ask-you-for-free-iphones/

Update 12:00 a.m. Monday: A tweet posted late Sunday on the account belonging to Eddy Cue, Apple’s senior vice president who oversees Internet services and software, said: “#AppleMusic will pay artist for streaming, even during customer’s free trial period.” An Apple spokesman confirmed that the company has changed course.

Taylor Swift announced she won’t allow her latest album, “1989,” to be included in the new streaming service, Apple Music, because she says Apple won’t pay artists during the initial three-month trial period.

In an open letter to Apple posted on Tumblr, Swift wrote:

I’m sure you are aware that Apple Music will be offering a free 3 month trial to anyone who signs up for the service. I’m not sure you know that Apple Music will not be paying writers, producers, or artists for those three months. I find it to be shocking, disappointing, and completely unlike this historically progressive and generous company.

Last fall, Swift pulled her entire catalog from Spotify after a dispute over “1989.” She later joined musicians such as Jack White and Madonna in allowing her music — except for the latest album — to be played on Jay Z’s streaming service Tidal.

In an article in The Wall Street Journal last year, Swift wrote that she remained optimistic about the music industry, saying “In my opinion, the value of an album is, and will continue to be, based on the amount of heart and soul an artist has bled into a body of work, and the financial value that artists (and their labels) place on their music when it goes out into the marketplace.”

In Sunday’s message to Apple, the pop-culture superstar said she is speaking for “every artist, writer and producer in my social circles who are afraid to speak up publicly because we admire and respect Apple so much.” She wrote:

I realize that Apple is working towards a goal of paid streaming. I think that is beautiful progress. We know how astronomically successful Apple has been and we know that this incredible company has the money to pay artists, writers and producers for the 3 month trial period… even if it is free for the fans trying it out.

Swift, who has been photographed in the past while listening to her music on an Apple device, closed with: “We don’t ask you for free iPhones. Please don’t ask us to provide you with our music for no compensation.”

Swift’s label, Big Machine Records, confirmed she wrote the letter and that she is withholding the album from Apple Music.

Read the full letter here.

VIDEO – http://www.nbcnews.com/tech/apple/apple-pay-artists-after-taylor-swift-shames-company-letter-n379476

The issue of Internet & Communications Technologies (ICT) and its effects on community commerce has been exhaustingly considered by the Go Lean movement (book and blog/commentaries). The old business models simply do not work anymore. There is the need to employ leading edge technologies to facilitate a better model for this new world of electronic commerce. This point has been of sharp debate in public forums. Consider a sample of the comments here from many on this Wall Street Journal article; across the board, they are both pro-and-con:

11:40 am June 21, 2015 – Dan wrote:
These “artists” are paid entirely too much already. Produce a product once, and get paid every time it’s used.

11:42 am June 21, 2015Kevin wrote:
Taylor got paid more than every CEO except 3 last year. Where’s the outrage from the left demanding she charges less for her albums to reduce inequity?

11:48 am June 21, 2015 – Fair is fair! wrote:
Apple is marketing their sight. No reason the artists should pay Apples marketing.
Good for you Taylor to stand up for your fellow artists!

11:54 am June 21, 2015 – Steve wrote:
I love Apple in many ways, but believe they should pay the artists during the free trial period. It doesn’t matter if the artist is already the highest paid or not. It is the principal, this progressive company which revolutionized the way we listen to music a decade ago, should adhere to. It should be a win / win situation for all involved.

12:24 pm June 21, 2015 – Michael Ball wrote:
Apple is sitting on one of the biggest war chests on the planet. There is no reason that any artist should be forced into underwriting Apple’s R&D.

This is just bad behavior. Good on Taylor for calling them out. Takes a big voice to take down a big bully.

And to “Dan” above: that’s also the economic model of the software business… Do you take issue with that, as well?

12:35 pm June 21, 2015 – Johnny Nevo wrote:
GREAT!!! I always loved her, but THIS is the best.. Screw Apple. Apple is attempting to CONTROL the music business… like in the old days of Payola. Without even hearing it I will buy this CD. I remember a great anecdote from a Bob Dylan . Club owner says to Bob, “you got a great sound, but you have to play here for FREE, to get some experience.”

The music industry, in the US and here at home, needs reform and to transform. The first step is to recognize that intellectual property is property. Far too often, people think that unless they can touch-and-feel, that the value appreciation is not the same. This is how our society values chattel goods. It is what it is!

The required change calls for a new “community ethos”:

“that fundamental character or spirit of a culture; the underlying sentiment that informs the beliefs, customs, or practices of a group or society; dominant assumptions of a people or period” – Go Lean … Caribbean Page 20.

Early in the book, the contribution that intellectual property (music, film, electronic games, art exhibition, literature, etc.) can make to a society is pronounced as an ethos for the entire region to embrace. This is featured in the opening Declaration of Interdependence (Pages 15) with these statements:

xxxii. Whereas the cultural arts and music of the region are germane to the quality of Caribbean life, and the international appreciation of Caribbean life, the Federation must implement the support systems to teach, encourage, incentivize, monetize and promote the related industries for arts and music in domestic and foreign markets. These endeavors will make the Caribbean a better place to live, work and play.

Like Taylor Swift, the Caribbean has also featured transformative musical artist; (think Bob Marley, he impacted the music, culture and economics of the region). It would be sad if such intellectual property was not properly compensated in the world of commerce. This must be fixed, for the success of future generations of talented, inspirational and influential artists – musical geniuses – to follow. But it is only justice that past artists get due compensation for their talents and hard work as well. The music business dictates income, jobs and economic opportunities for its stakeholders. The opening Declaration of Interdependence addressed these concerns explicitly, (Page 13):

xxi. Whereas the preparation of our labor force can foster opportunities and dictate economic progress for current and future generations, the Federation must ensure that educational and job training opportunities are fully optimized for all residents of all member-states, with no partiality towards any gender or ethnic group. The Federation must recognize and facilitate excellence in many different fields of endeavor, including sciences, languages, arts, music and sports. This responsibility should be executed without incurring the risks of further human flight, as has been the past history.

The Go Lean/CU roadmap asserts that change has come to the Caribbean. The people, institutions and governance of the region are all urged to “lean-in” to this roadmap for change. We know there are musical talents in the Caribbean, a “new” Taylor Swift or a “new” Bob Marley; these ones are waiting to be fostered. But these ones need the eco-system of a music industry that is effective and efficient! Not the Crony-Capitalism of the past; (or according to the foregoing article, the crony practices that were proposed by Apple)!

One woman, in this case … made a difference! Her advocacy reminds us of the famous quotation:

“The only thing necessary for the triumph of evil is for good men to do nothing” – Edmund Burke.

“Kudos” to Taylor Swift!

The prime directive of the book Go Lean…Caribbean is to elevate the regional society, but instead of impacting America, the roadmap focus is the Caribbean first. In fact, the declarative statements are as follows:

  • Optimization of the economic engines in order to grow the regional economy and create 2.2 million new jobs, many in the arts and encompassing intellectual property.
  • Establishment of a security apparatus to protect the resultant societal engines against economic crimes, like digital piracy.
  • Improvement of Caribbean governance – with appropriate checks-and-balances – to support these engines.

The roadmap specifically encourages the region, to lean-in to open advocacy with these specific community ethos, strategies, tactics, implementations and advocacies:

Community Ethos – Economic Principles – Economic Systems Influence Individual Choices Page 23
Community Ethos – Security Principles – Anti-Bullying and Mitigation Page 23
Community Ethos – Security Principles – Intelligence Gathering Page 23
Community Ethos – Governing Principles – Lean Operations Page 24
Community Ethos – Ways to Foster Genius Page 27
Community Ethos – Ways to Promote Intellectual Property Page 29
Community Ethos – Ways to Close the Digital Divide Page 31
Community Ethos – Ways to Promote Happiness – Appreciation of the Arts Page 36
Community Ethos – Ways to Impact the Greater Good – Needs of the many outweigh the few Page 37
Strategy – Vision – Single Market of 30 Member-States with optimized economic engines Page 45
Strategy – Mission – Foster Currency System to allow for Electronic Payments Page 45
Strategy – Mission – Enact a Security Apparatus Against Economic   Crimes & Threats Page 45
Strategy – Agents of Change – Technology Page 57
Strategy – Agents of Change – Globalization Page 57
Tactical – Separation-of-Powers – Department of Commerce – Communications & Media Authority Page 79
Tactical – Separation-of-Powers – Department of Commerce – Performance Rights Organization Page 81
Anatomy of Advocacies – Examples of Individuals Who Made Impact Page 122
Planning – 10 Big Ideas – Cyber Caribbean Page 127
Advocacy – Ways to Improve the Economy Page 151
Advocacy – Ways to Create Jobs Page 152
Advocacy – Ways to Improve Leadership – Individual Contributions Page 171
Advocacy – Ways to Remediate and Mitigate Crime – Federal Jurisdiction for Economic Crimes Page 178
Advocacy – Ways to Improve Intelligence Gathering & Analysis – Policing the Internet Page 182
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Foster e-Commerce Page 198
Advocacy – Reforms for Banking Regulations – e-Purse and Internet Commerce Page 199
Advocacy – Ways to Impact Hollywood – And the Media Industries Page 203
Advocacy – Ways to Improve the Arts – Respect for Intellectual Property Page 230
Advocacy – Ways to Promote Music – Payment   Eco-System Page 231
Appendix – Trade S.H.I.EL.D. – For Interdictions in Digital Piracy Page 264
Appendix – Caribbean Musical Genres – 169 in the 30 Member-States Page 347
Appendix – Copyright Infringement – Catching a Thief in Music Page 351

The Caribbean region wants a more optimized economic and security apparatus, to protect citizens, their property and institutions; including the owners of intellectual property. This includes, among others, software developers, artists and musicians.

The music industry has often been victimized by Crony-Capitalism and the eventual “abuse of power”. We must do more now; we must do better. This Go Lean book posits that “bad actors” – even music company executives – will emerge to exploit inefficient economic, security and governing models.

The Go Lean book explicitly acknowledges that optimizing the needs for artists and their art is not an easy feat; this requires strenuous effort; heavy-lifting. This is the quest of the CU/Go Lean roadmap: an optimized technocracy with better oversight for the regional industrial footprint, including the music/art-related industries.

Other subjects related to art, music and intellectual property for the region have been blogged in other Go Lean…Caribbean commentary, as sampled here: commentaries:

https://goleancaribbean.com/blog/?p=5423 Extracurricular Music Programs Boost Students As Artists
https://goleancaribbean.com/blog/?p=5251 Bahamas Attempts to Transform Society with Inaugural Carnival
https://goleancaribbean.com/blog/?p=3641 Building a City on ‘Rock and Roll’
https://goleancaribbean.com/blog/?p=3568 Forging Change: Music Moves People
https://goleancaribbean.com/blog/?p=2415 How ‘The Lion King’ Music/Play roared into history
https://goleancaribbean.com/blog/?p=2291 Forging Change: The Fun Theory
https://goleancaribbean.com/blog/?p=1909 Music Role Model Berry Gordy: Transformed America
https://goleancaribbean.com/blog/?p=866 Music Role Model Bob Marley: Legend Transformed the World
https://goleancaribbean.com/blog/?p=273 10 Things We Do Not Want From the US – #9: Cultural Neutralizations

Caribbean music is great! Caribbean music business…not so much!

This is not just a Caribbean issue. Yet, we can show the world a better model. But our goal is not to change the world; only change the Caribbean; to make our homelands better places to live, work and play. 🙂

Download the book Go Lean … Caribbean – now!

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Appendix – Taylor Swift

Taylor Alison Swift (born December 13, 1989; age 25) is an American singer-songwriter and actress. Raised in Wyomissing, Pennsylvania, Swift moved to Nashville, Tennessee, at the age of 14 to pursue a career in country music. She signed with the independent label “Big Machine Records” and became the youngest songwriter ever hired by the Sony/ATV Music publishing house. The release of Swift’s self-titled debut album in 2006 established her as a country music star. Her third single, “Our Song,” made her the youngest person to single-handedly write and perform a number-one song on the “Hot Country Songs” chart. She received a Best New Artist nomination at the 2008 Grammy Awards. In 2015, Taylor Swift has become the youngest woman ever to be included on Forbes most powerful women list. She made number 65 on the Forbes annual list of the most powerful women in the world.

Swift’s second album, Fearless, was released in 2008. Buoyed by the pop crossover success of the singles “Love Story” and “You Belong with Me,” Fearless became the best-selling album of 2009 in the United States. The album won four Grammy Awards, making Swift the youngest ever Album of the Year winner. Swift’s third and fourth albums, 2010’s Speak Now and 2012’s Red, both sold more than one million copies within the first week of their U.S release. Speak Now’s song “Mean” won two Grammy Awards, while Red’s singles “We Are Never Ever Getting Back Together” and “I Knew You Were Trouble” were worldwide hits. Swift’s fifth album, the pop-focused 1989, was released in 2014. It sold more copies in its opening week than any album in the previous 12 years, and made Swift the first and only act to have three albums sell more than one million copies in the opening release week. The singles “Shake It Off”, “Blank Space”, and “Bad Blood” have all reached number one on the Billboard Hot 100.

Swift is known for narrative songs about her personal experiences. As a songwriter, she has been honored by the Nashville Songwriters Association and the Songwriters Hall of Fame. Swift’s other achievements include seven Grammy Awards, twelve Billboard Music Awards, 11 Country Music Association Awards, eight Academy of Country Music Awards, and one Brit Award. She is one of the best-selling artists of all time, having sold more than 40 million albums—including 27.1 million in the U.S.—and 100 million single downloads. Swift has also had supporting roles in feature films including Valentine’s Day (2010) and The Giver (2014).

As of March 2011, it was reported that Swift had 5.7 million followers. That figure is now posted at 59,300,000. See here:

CU Blog - Taylor Swift Withholds Album From Apple Music - Photo 2

 

 

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Role Model: Edward Snowden – One Person Making a Difference

Go Lean Commentary

Edward Snowden: Friend or Foe?

Snowden Photo 1This will be a subject of debate for the weeks, months, years and decades to come.

What is not debatable is the fact that he has been impactful. Yes, one man has made a difference.

The publishers of the book Go Lean…Caribbean recognize the contributions that Edward Snowden has made to the discussions of democratic principles: privacy versus security. The book serves as a roadmap for the introduction and implementation of the Caribbean Union Trade Federation (CU). The CU seeks to empower a security apparatus for the Caribbean region. The issues of data monitoring and eavesdropping will be a big consideration here as well. We thank Mr. Snowden for bringing many of these issues to the fore; as the Go Lean roadmap also seeks to employ leading edge technologies to interdict domestic and foreign threats that may imperil Caribbean societal engines – without an “abuse of power”. We therefore want to study the dramatic events of this episode so as to apply best-practices in the formation of our own administration.

See the following news article (and VIDEO in the Appendix below) that summarizes the Snowden drama into 8 lessons:

Title: The Snowden Effect: 8 Things That Happened Only Because Of The NSA Leaks
One year ago Thursday, one of the most consequential leaks of classified U.S. government documents in history exploded onto the world scene: The first story based on documents from former National Security Agency (NSA) contractor Edward Snowden was published. Americans finally knew the spy agency was sucking up virtually all of the data about who they called and when.

What followed was a torrent of articles based on the Snowden documents, as well as political and diplomatic reaction. Public debate was transformed by a new level of knowledge about the NSA — which Snowden himself said was mission accomplished. And in some modest ways Congress, companies and other countries also took concrete action. Here are the most consequential reactions to Snowden’s leaks.

1. Director of National Intelligence James Clapper had to admit he lied to Congress.
Three months before the Snowden leaks began, Sen. Ron Wyden (D-Ore.) asked the nation’s top intelligence official if the NSA collected data on millions, or hundreds of millions, of Americans.

“No, sir,” Clapper replied. “Not wittingly.”

By that point, of course, the NSA had quite wittingly been running a massive bulk telephone metadata collection program for years. The government had repeatedly asked a secret surveillance court for permission to do so, and it deemed every American’s phone record “relevant” to terrorism in the process.

Wyden fumed in secret about Clapper’s lie — but felt he could not reveal it because the metadata collection program was classified. That all changed after the publication of the first story on June 5, 2013, based off a Snowden leak.

Days later, Clapper gave the most halfhearted, or perhaps least forthcoming, admission that he had lied: “I responded in what I thought was the most truthful, or least untruthful manner by saying no.”

2. The House passed a bill (ostensibly) meant to stop bulk collection of phone metadata.
Americans were furious about the NSA’s sweeping phone metadata collection program. Even the man who wrote the original Patriot Act, Wisconsin Republican Rep. James Sensenbrenner, said the program went too far.

So last month the House passed a bill that its sponsors said would end bulk collection. Whether it actually does is a matter of dispute, since the White House and the spy agencies appear to have stripped out many of its toughest provisions. But its passage is nonetheless a clear signal that nobody in Congress wants to look like they’re doing nothing about the NSA.

3. A federal judge said the NSA phone surveillance program is unconstitutional.
In December, U.S. District Court Judge Richard Leon issued a ruling in a lawsuit against the NSA program that said its technology was “almost-Orwellian” and that James Madison “would be aghast.”

Because other judges in other districts have found differently — one in Manhattan dismissed an American Civil Liberties Union lawsuit citing the threat of terrorists’ “bold jujitsu” — the program still stands. And it had previously been approved, though behind closed doors, by the special Foreign   Intelligence Surveillance Court. But with Leon’s ruling on the books, the program could eventually wind up before the Supreme Court.

4. Tech companies finally got serious about privacy.
Big tech players had been paying lip service for years to the idea that they protect their customers’ privacy. But after the Snowden revelation that the NSA was accessing company servers via its PRISM program, privacy suddenly became a very tangible good. Cloud providers stand to lose $35 billion over the next three years in business with foreign customers afraid of storing their data with U.S. companies.

So the companies are responding by adding encryption measures such as Transport Layer Security. Google even announced on Tuesday that it is testing a new extension for the Chrome browser that could make encrypting email easier.

5. Britain held its first-ever open intelligence hearing.
If you thought intelligence oversight was weak in the United States, you won’t believe how it works with our closest ally. The powerful British spy agencies MI5 and GCHQ had never faced a public hearing in front of Parliament until Snowden’s stories dropped.

The November hearing was hardly confrontational. But it was a step forward for a country that has generally reacted to the Snowden leaks with little more than a shrug. And that step matters for Americans as well: In April, The Intercept revealed that the GCHQ had secretly asked for “unsupervised access” to the NSA’s data pools.

6. Germany opened an investigation into the tapping of Chancellor Angela Merkel’s cell phone.
The revelation that the NSA was monitoring the German chancellor’s cell phone came as a surprise to her — and to Senate Intelligence Chairwoman Dianne Feinstein (D-Calif.). Merkel was so outraged that she reportedly compared the surveillance to that of the Stasi, the former East German spy agency. (And she would know, having grown up in East Germany.)

On Wednesday, GermanFederalProsecutorHaraldRangeannounced that he is opening an investigation into the monitoring of Merkel’s phone calls. The investigation is proof positive that the Snowden leaks have frayed some U.S. diplomatic relations, but also that people the world over are starting to take surveillance seriously.

7. Brazil scotched a $4 billion defense contract with Boeing.
In another example of soured relations abroad, Brazil gave a massive fighter jet contract to Saab instead of the American company Boeing. Opinions varied as to how much that had to do with Snowden’s leaks, with one government source telling Reuters that he “ruined it for the Americans.” One analyst believed, however, that the Boeing jet simply cost too much.

The jet aside, Brazilian President Dilma Rousseff was clearly steamed, taking to the podium at the U.N. General Assembly to denounce the surveillance on her. Snowden’s leaks also helped propel the passage of an Internet bill of rights meant to protect privacy in the South American nation.

8. President Barack Obama admitted there would be no surveillance debate without Snowden.
In a major speech in January, Obama said he was “not going to dwell on Mr. Snowden’s actions or his motivations.” But he essentially acknowledged that the roiling, yearlong debate over surveillance would not have happened without him.

“We have to make some important decisions about how to protect ourselves and sustain our leadership in the world, while upholding the civil liberties and privacy protections that our ideals — and our Constitution — require,” Obama said.

The secretive Foreign Intelligence Surveillance Court also nodded toward the “considerable public interest and debate” that Snowden’s leaks created. And even Clapper acknowledged, “It’s clear that some of the conversations this has generated, some of the debate, actually needed to happen.”

The surveillance court finally started publicly posting some filings from its major cases. And in further acknowledgement of the need for a debate, the NSA and other agencies have posted declassified files to a new intelligence Tumblr — revealing for the first time aside from Snowden’s leaks documentary evidence of the inner workings of mass surveillance.
Source: Huffington Post Online News Source; posted June 5, 2015; retrieved June 7, 2015 from: http://www.huffingtonpost.com/2014/06/05/edward-snowden-nsa-effect_n_5447431.html

s Difference - Photo 2An important consideration related to Mr. Snowden is the priority on human/civil rights. The motive for mass surveillance from the US Patriot Act was national security, but in its execution, it became abusive to human and civil rights. That is the formula for tyranny! Yet the authorities refused to “stop, drop and roll”; there was no remediation.

The Patriot Act went into effect in 2001 (effective for 4 years), then re-authorized in 2005 and 2011 (for 4 years only) with little debate. But thanks to one man, Edward Snowden, the 2015 renewal was stalled, debated, re-visited, re-considered and eventually defeated. People asked questions, challenged disclosures, protested and resolved … to do better.

One man … made a difference!

This one man impacted his country … and the whole world.

“The only thing necessary for the triumph of evil is for good men to do nothing” – Edmund Burke; 1729 – 1797; an Irish statesman, member of the British Parliament and supporter of the American Revolution.

Edmund Burke! Edward Snowden! These two men – one from history and another of contemporary times – have more in common than what may have been obvious. Another expression Edmund Burke is credited for, is perhaps more apropos:

“People crushed by laws, have no hope but to evade power. If the laws are their enemies, they will be enemies to the law; and those who have most to hope and nothing to lose will always be dangerous”.

There is now a new security monitoring legislative provision!  Credit or not, this is a direct impact of the actions of Edward Snowden! This law allows for security monitoring, without the privacy violations. (The USA Freedom Act was passed on June 2, 2015 with a new expiration of 2019;[5] however, Section 215 of the law was amended to stop the NSA from continuing its mass phone data collection program.[6]). This end-product is better all around. In fact, “a White House investigation found that the prior NSA program may have never stopped a single terrorist attack”. This new provision is an elevation for society.

Like Edward Snowden’s advocacy, the prime directive of the book Go Lean…Caribbean is to elevate society, but instead of impacting America, the roadmap focus is the Caribbean. In fact, the declarative statements are as follows:

  • Optimization of the economic engines in order to grow the regional economy.
  • Establishment of a security apparatus to protect the resultant societal engines again foreign and domestic threats.
  • Improvement Caribbean governance – with appropriate checks-and-balances – to support these engines.

Edward Snowden is hereby recognized as a role model that the Caribbean can emulate. (He disclosed that telephone data for one Caribbean member-state, the Bahamas, was also being collected and analyzed by the NSA). He has provided a successful track record of forging change, resisting the “abuse of power”, managing crises to successful conclusions and paying forward the benefits for a tyranny-free society to all peoples; see his letter in the Appendix. The Go Lean book relates that Caribbean member-states do have a tyrannical past, considering examples of Cuba (236), Haiti (238), and the Dominican Republic (306).

The book posits that one person, despite their field of endeavor, can make a difference in the Caribbean, and its impact on the world; that there are many opportunities where one champion, one advocate, can elevate society. In this light, the book features 144 different advocacies, so there is inspiration for the “next” Edward Snowden or Edmund Burke to emerge and excel right here at home in the Caribbean. We need vanguards and sentinels against the dreaded “abuse of power”.

The roadmap specifically encourages the region, to lean-in to open advocacy with these specific community ethos, strategies, tactics, and implementations:

Community Ethos – Security Principles – Privacy vs Public Protection Page 23
Community Ethos – Security Principles – Whistleblower Protection Page 23
Community Ethos – Security Principles – Anti-Bullying and Mitigation Page 23
Community Ethos – Security Principles – Intelligence Gathering Page 23
Community Ethos – Governing Principles – Minority Equalization Page 24
Community Ethos – Governing Principles – Lean Operations Page 24
Community Ethos – Ways to Promote Intellectual Property Page 31
Community Ethos – Ways to Impact the Greater Good Page 37
Strategy – Vision – Confederate all 30 Member-states Page 45
Strategy – Mission – Enact a Security Apparatus Against Threats Page 45
Strategy – Mission – Protect Homeland with Anti-crime   Measures Page 45
Anatomy of Advocacies – Examples of Individuals Who Made Impact Page 122
Planning – 10 Big Ideas – Defense / Homeland Security Pact Page 127
Planning – Ways to Improve Failed-State Indices Page 134
Planning – Lessons from East Germany – Bad Checks-and-Balances Page 139
Advocacy – Ways to Improve Governance Page 168
Advocacy – Ways to Better Manage the Social Contract Page 170
Advocacy – Ways to Improve Leadership Page 171
Advocacy – Ways to Impact Justice Page 177
Advocacy – Ways to Remediate and Mitigate Crime Page 178
Advocacy – Ways to Impact Homeland Security Page 180
Advocacy – Ways to Mitigate Terrorism Page 181
Advocacy – Ways to Improve Intelligence Gathering & Analysis Page 182
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Protect Human Rights Page 220

The Caribbean region wants a more optimized security apparatus.

The region wants to mitigate human rights and civil rights abuses; in general all “abuse of power”.

This book posits that “bad actors” – even tyrants – will emerge to exploit inefficient economic, security and governing models.  Early in the book, the pressing need to streamline protections – for citizens and institutions – was pronounced in the Declaration of Interdependence (Page 12), with these opening statements:

x. Whereas we are surrounded and allied to nations of larger proportions in land mass, populations, and treasuries, elements in their societies may have ill-intent in their pursuits, at the expense of the safety and security of our citizens. We must therefore appoint “new guards” to ensure our public safety and threats against our society, both domestic and foreign.

xvi. Whereas security of our homeland is inextricably linked to prosperity of the homeland, the economic and security interest of the region needs to be aligned under the same governance. Since economic crimes, including … forms of terrorism, can imperil the functioning of the wheels of commerce for all the citizenry, the accedence of this Federation must equip the security apparatus with the tools and techniques for predictive and proactive interdictions.

The Go Lean book explicitly acknowledges that optimizing the needs for security, justice and privacy are not easy; they require strenuous effort; heavy-lifting. There needs to be a better balance of public protection versus privacy concerns. Balance? That is the quest of the CU/Go Lean roadmap: an optimized society with better checks-and-balances.

Other subjects related to civil/human rights checks-and-balances for the region have been blogged in other Go Lean…Caribbean commentary, as sampled here:

https://goleancaribbean.com/blog/?p=5304 Mitigating the Eventual ‘Abuse of Power’
https://goleancaribbean.com/blog/?p=4809 Using Surveillance to Interdict Americans Who Aided ISIS
https://goleancaribbean.com/blog/?p=4447 Abuse of Power Example: Ferguson-Missouri biased cops & courts
https://goleancaribbean.com/blog/?p=4360 Dreading the American ‘Caribbean Basin Security Initiative’
https://goleancaribbean.com/blog/?p=3881 Intelligence Agencies to Up Cyber Security Cooperation
https://goleancaribbean.com/blog/?p=1554 Status of Forces Agreement = Security Pact
https://goleancaribbean.com/blog/?p=960 NSA records all phone calls in Bahamas, according to Snowden
https://goleancaribbean.com/blog/?p=535 Remembering and learning from Boston
https://goleancaribbean.com/blog/?p=341 American Human Rights Leaders Slams Caribbean Poor Record

With a heightened focus on balanced justice institutions and the participation of many advocates on many different paths for progress, the Caribbean can truly become a better place to live, work and play.  🙂

Download the book Go Lean … Caribbean – now!

———-

Appendix – Edward Snowden Letter – June 5, 2015 – “This is the power of an informed public

Dear XXXXXXX,

Simple truths can change the world.

Two years ago today, in a Hong Kong hotel room, three journalists and I waited nervously to see how the world would react to the revelation that the National Security Agency had been collecting records of nearly every phone call in the United States.

Though we have come a long way, the right to privacy remains under attack. Join me in standing up for our rights: Tell President Obama to log off.

Last month, the NSA’s invasive call-tracking program was declared unlawful by the courts, and it was disowned by Congress. And, after a White House investigation found that the program never stopped a single terrorist attack, even President Obama ordered it terminated.

This is because of you. This is the power of an informed public.

Ending mass surveillance of private phone calls under the Patriot Act is a historic victory for the rights of every citizen. Yet while we have reformed this one program, many others remain.

We need to push back and challenge the lawmakers who defend these programs. We need to make it clear that a vote in favor of mass surveillance is a vote in favor of illegal and ineffective violations of the right to privacy for all Americans. Take action to ban mass surveillance today.

As I said at an Amnesty event in London this week, arguing that you don’t care about the right to privacy because you have nothing to hide is no different than saying you don’t care about free speech because you have nothing to say.

We can’t take the right to privacy for granted, just like we can’t take the right to free speech for granted. We can’t let these invasions of our rights stand.

While we worked away in that hotel room in Hong Kong, there were moments when we worried we might have put our lives at risk for nothing — that the public would react with apathy to the publication of evidence that revealed that democratic governments had been collecting and storing billions of intimate records of innocent people.

Never have I been so grateful to have been so wrong.

In solidarity,

Edward Snowden, for Amnesty International

———-

APPENDIX VIDEO – HuffingtonPost Analysis Video – http://www.huffingtonpost.com/2014/06/05/edward-snowden-nsa-effect_n_5447431.html

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China Internet Policing – Model for Caribbean

Go Lean Commentary

Is anyone watching the store in the Caribbean? The e-Store that is! Are there open sales for illegal narcotics, weapons and paraphernalia on Caribbean-area web domains? How about stolen credit cards, or movies, or music?

China Internet Policing 2Just because these commercial transactions are on the internet, and may be electronically advanced, these facts do not make them benevolent. Rather, there is a lot of malevolence on the world-wide-web (WWW). Sometimes the moniker WWW is derisively dubbed the Wild-Wild-West; thusly referring to the olden days of the American West – in the 19th century – when law-and-order was many times absent from society; outlaws, duels and revenge-seeking were prevalent. The theme of the marketplace then was: “Let the buyer beware”.

The thinking is that we have now advanced a long way from those bad old days.

But yet, have you ever gotten an email from some Nigerian Tribal Chief … or Nigerian widow (or a Nigerian job; see Appendix VIDEO), who needs you to facilitate some financial transaction, using your money in the process but boasting how you will profit big in the end? Have you gotten one of these…lately? No; just check your Spam e-Mail folder; there are probably a few there now.

There is a Murphy’s Law on Technology that is apropos to this discussion:

A computer can make as many mistakes in 2 seconds as 20 men in 20 years.

A need therefore exists to regulate man and machine when it comes to technology-driven commerce:

o  There is the need for someone to watch the e-Store.

o  There is also the other extreme: freedom of speech
… it should not be curtailed by web censors.

But can the freedoms go too far; and conversely, can censorship go too far?

Can companies protect their reputation online from defamation? Or how about cyber-bullying by irate customers or some competitive agent? These are all real concerns and real threats. This following news article conveys that China recognizes the need for some policing in the internet marketplace:

Title: China’s ‘Internet police’ open a window on Web censorship

BEIJING (Reuters) – The branch of China’s police in charge of censoring “illegal and harmful” online information will make its efforts more visible to the public from Monday with the launch of their own social media accounts, the Ministry of Public Security said.

China Internet Policing – Model for Caribbean - Photo 1The Chinese government aggressively censors the Internet, blocking many sites it deems could challenge the rule of the Communist Party or threaten stability, including popular Western sites like YouTube, Instagram and Facebook, as well as Google Inc.’s main search engine and Gmail service.

Police in some 50 areas, from metropolises like Beijing and Shanghai to more obscure cities like Xuzhou in Jiangsu province, will open accounts on sites including Weibo, China’s answer to Twitter, the ministry said late on Sunday.

The move is a response to public concern about problems like online gambling and pornography and is aimed at increasing the visibility of the police presence online to “create a harmonious, cultured, clear and bright Internet”, it said.

“The Internet police are coming out to the front stage from behind the curtains, beginning regular open inspection and law enforcement efforts, raising the visibility of the police online, working hard to increase a joint feeling of public safety for the online community and satisfy the public,” the ministry said.

The cyber police are working to root out “illegal and harmful information on the Internet, deter and prevent cyber-crimes and improper words and deeds online, publish case reports and handle public tip-offs”, it said.

Problems such as fraud, defamation, gambling, the sale of drugs and guns, and “picking quarrels and provoking trouble” – a charge often used to lock up dissidents – have angered people and created a serious challenge to an orderly Internet, it said.

The police would issue warnings to those involved in minor offences and go after more serious cases.

“Just like in the real world, law violations in cyberspace will not go unaccounted for,” it said.

The government has already deleted some 758,000 pieces of “illegal and criminal information” from the Internet and investigated more than 70,000 cyber-crime cases since the start of this year, the ministry said.

(Reporting by Ben Blanchard; Editing by Paul Tait)
Reuters News Wire – Published May 31, 2015; retrieved June 2, 2015 from:
http://news.yahoo.com/chinas-internet-police-open-window-censorship-023422128–finance.html

Where do we stand in the Caribbean?

For starters, there is no call for censorship. But there is a need for responsible internet messaging.

China Internet Policing 3Electronic Commerce is now all the rage in North America, Europe and certain key Asian markets (i.e. China, Japan, Indonesia, etc.). While the Caribbean has not fully embraced the world of e-Commerce, the internet via broadband, Wi-Fi and mobile has been fully assimilated – most adults have a mobile phone. So planners for Caribbean economic empowerments have contemplated the infrastructural deficiencies and proposed the remediation to better govern e-Commerce in this region. This is the assertion in the book Go Lean…Caribbean; it is the contemplation, proposal and remediation plan to reboot Caribbean economics, security and governance. This Go Lean book serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU) to facilitate the growth, promotion and regulatory oversight of electronic commerce in a regional Single Market.

The book posits that some issues are too big for any one Caribbean member-state to manage alone, that there are times when there must be a cross-border, multilateral coordination. The strategy is to confederate all 30 Caribbean member-states and appoint the CU as a deputized agency to oversee this important activity. In addition, attendant functions are included in the roadmap to facilitate e-Commerce: Central Bank adoption of Electronic Payment schemes and Postal Integration/Optimization. Without these functionalities, internet commerce would remain stagnant!

On the other hand, with the expected surge in this sphere of activity, many other challenges will come. In previous blogs, the following issues were detailed:

https://goleancaribbean.com/blog/?p=5353 US Presidential Politics and the Internet
https://goleancaribbean.com/blog/?p=4793 Online reviews – like Yelp and Angie’s List – can wield great power for services marketed, solicited and contracted online.
https://goleancaribbean.com/blog/?p=4381 Net Neutrality – The need for Caribbean Administration of the Issue.
https://goleancaribbean.com/blog/?p=4337 Crony-Capitalism Among the Online Real Estate Markets
https://goleancaribbean.com/blog/?p=3881 European and North American Intelligence Agencies to Ramp-up Cyber Security Cooperation
https://goleancaribbean.com/blog/?p=906 Bitcoin e-Payments needs regulatory framework to manage ‘risky’ image
https://goleancaribbean.com/blog/?p=308 Caribbean Communications Infrastructure Program (CARCIP) and the Caribbean Telecommunications Union (CTU) urges greater innovation and protection.

These commentaries demonstrate that there is the need for a governing body to better oversee and police Caribbean society to mitigate cyber-crimes and illicit activities initiated and/or continued in the online world. Policing the internet is too big for any one Caribbean member-state to manage alone. Too much is at stake.

Providing regional oversight for the Caribbean Single Market – a lean technocracy – for cross-border electronic media, governance of the Information Technology Arts and Sciences and Grievance Officiating are among the missions of Go Lean roadmap. The CU’s prime directives are identified with the following 3 statements:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
  • Establishment of a security apparatus to protect the people and processes (economic engines) of the region from threats and attacks (physical and electronic) that may originate from foreign or domestic sources.
  • Improvement of Caribbean governance to support these engines.

These prime directives will elevate Caribbean society. With this success comes the emergence of bad actors – foreign and domestic. The goal of preparing the appropriate security apparatus was envision in the Go Lean roadmap from the beginning; this was defined early in the book (Page 12 & 14) in the following pronouncements in the Declaration of Interdependence:

x.  Whereas we are surrounded and allied to nations of larger proportions in land mass, populations, and treasuries, elements in their societies may have ill-intent in their pursuits, at the expense of the safety and security of our citizens. We must therefore appoint “new guards” to ensure our public safety and threats against our society, both domestic and foreign. The Federation must employ the latest advances and best practices … to assuage continuous threats against public safety.

xv. Whereas the business of the Federation and the commercial interest in the region cannot prosper without an efficient facilitation of postal services, the Caribbean Union must allow for the integration of the existing mail operations of the governments of the member-states into a consolidated Caribbean Postal Union, allowing for the adoption of best practices and technical advances to deliver foreign/domestic mail in the region.

xvi. Whereas security of our homeland is inextricably linked to prosperity of the homeland, the economic and security interest of the region needs to be aligned under the same governance. Since economic crimes, including piracy and other forms of terrorism, can imperil the functioning of the wheels of commerce for all the citizenry, the accedence of this Federation must equip the security apparatus with the tools and techniques for predictive and proactive interdictions.

xxvii. Whereas the region has endured a spectator status during the Industrial Revolution, we cannot stand on the sidelines of this new economy, the Information Revolution. Rather, the Federation must embrace all the tenets of Internet Communications Technology (ICT) to serve as an equalizing element in competition with the rest of the world. The Federation must bridge the digital divide and promote the community ethos that research/development is valuable and must be promoted and incentivized for adoption.

The subjects of cyber-crimes and electronic commerce integrity feature economic, security and governing concerns. These fields will escalate in importance with the Go Lean roadmap as there is the call for deployment of a Social Media / Electronic Commerce offering for all Caribbean member-states, branded www.myCaribbean.gov. This Caribbean Cloud initiative is projected in the Go Lean book as a subset of the integrated postal operations, the Caribbean Postal Union.

China Internet Policing 4China is an emerging economy. Their economic growth has been impressive in the last 30 years. Despite their official Communism adherence, they model technocratic governmental administrations. There is much for the Caribbean region to learn from their model.

Of course the Caribbean will not boast the 1.3 Billion-population that China holds, but the same as we’re able to model the American example, there is much to consider from our Asian (Chinese) trading partners. The wisdom the Go Lean book gleans from these models is presented as a series of community ethos, strategies, tactics, implementations and advocacies; as highlighted in the following sample:

Community Ethos – Deferred Gratification Page 21
Community Ethos – People Choose Page 21
Community Ethos – People Respond to Incentives Page 21
Community Ethos – Economic Systems Influence Individual Choices Page 21
Community Ethos – Job Multiplier Page 22
Community Ethos – Privacy versus Public Protection Page 23
Community Ethos – Whistleblower Protection Page 23
Community Ethos – Lean Operations Page 24
Community Ethos – Ways to Help Entrepreneurship Page 28
Community Ethos – Promote Intellectual Property Page 29
Community Ethos – Ways to Bridge the Digital Divide Page 31
Community Ethos – Ways to Improve Sharing Page 35
Community Ethos – Ways to Impact the Greater Good Page 37
Strategy – Vision – Integrate a Single Market of entire region Page 45
Tactical – Fostering a Technocracy Page 64
Tactical – Separation of Powers – Caribbean Postal Union (CPU) Page 78
Tactical – Separation of Powers – Interstate Commerce Administration Page 79
Tactical – Separation of Powers – Communications and Media Authority Page 79
Implementation – Year 1 / Assemble Phase – Establish CPU Page 96
Anecdote – Implementation Plan – Mail Services – US Dilemma Page 99
Implementation – Improve Mail Services – Electronic Supplements Page 108
Implementation – Ways to Deliver Page 109
Implementation – Ways to Impact Social Media – Weibo Volumes Page 111
Planning – 10 Big Ideas for the Caribbean Region – Cyber Caribbean Page 127
Advocacy – Ways to Improve Interstate Commerce Page 129
Advocacy – Ways to Grow the Economy Page 151
Advocacy – Ways to Create Jobs Page 152
Advocacy –Ways to Improve Governance Page 168
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Foster e-Commerce Page 198
Advocacy – Ways to Impact Main Street – Wifi & Mobile Apps Page 201
Advocacy – Ways to Impact Urban Living Page 234

This commentary is not intended to make disparaging remarks about Nigeria. Also, this commentary is not intended to make disparaging remarks about Communist China. Rather, the Go Lean book asserts (Page 23) that there is good and bad in every country; no matter the time or place, bad actors will always emerge to exploit economic successes.

That place is now extended to cyber-space.

We, the Caribbean collectively and individually, must police cyber-space as well.

To keep pace with the latest and greatest cyber-criminals will require an advanced level of interdiction and technical competence. It is the assertion here that this is heavy-lifting and too much for any one Caribbean member-state alone. No, the Caribbean needs the effectiveness and efficiencies proposed in Go Lean…Caribbean. The Caribbean needs this technocracy!

This is a lesson we can learn … and apply from China, in our application and pursuit of the Greater Good.

🙂

Download the book Go Lean … Caribbean – now!

————–

Appendix – VIDEO: Nigerian Scammers Impersonate FBI Agent in Work-from-Home Scam – https://youtu.be/D82MzqwyK8A

Published on Mar 13, 2012 – The FBI’s Special Agent Tom Simon is warning about a new scam targeting Hawaii residents, which offers them a work-from-home position, but the company they reportedly will work for, and the financial transactions they are asked to perform, are fake.

 

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Drones to be used for Insurance Damage Claims

Go Lean Commentary

CU Blog - Drones to be used for Insurance Damage Claims - Photo 1What have you done for “me” lately?

So now that we’ve been awed and entertained with drones, frankly we need something more. We need to put them to work. What can drones do for us … in our quest to elevate Caribbean societal engines?

The answer is “Plenty”!

For starters, an insurance company had sought and is now approved to use drones for disaster claims processing.

This is BIG!

In a few days, the annual hurricane season will begin … in earnest; (this year was an aberration with the first Tropical Depression – Ana – making landfall early on May 10 in South Carolina, USA).

“Ana” is the first of what is forecasted to be a busy season. The names for the 2015 season are already pre-determined as:

Ana, Bill, Claudette, Danny, Erika, Fred, Grace, Henri, Ida, Joaquin, Kate, Larry, Mindy, Nicholas, Odette, Peter, Rose, Sam, Teresa, Victor and Wanda.

The source news article follows:

Title: FAA Gives USAA The A-OKAY To Test Damage Claims Drones
By:
Kelsey D. Atherton

Source: Popular Science Magazine posted April 7, 2015; retrieved 05-21-2015 from:
http://www.popsci.com/faa-gives-usaa-okay-drone

After the disaster come the accountants. Major tornadoes, earthquakes, tsunamis, and the like do dollar amounts of damage, sometimes in the billions. That number comes from the nitty-gritty of insurance valuations and payouts, a wholly human assessment of the ruins from natural forces. Now, thanks to FAA approval, robots may start to get in on the action.

Yesterday, insurance giant USAA announced, as follows, that the FAA approved their request to test drones as a way to more quickly process insurance claims after disasters:

FAA Approves USAA Request for Drone Research

April 6, 2015 –The Federal Aviation Administration has approved USAA’s request to test how unmanned aircraft systems, also known as drones, could help speed review of insurance claims from its members following natural disasters. USAA is one of the first insurers to be granted the approval for such testing.

“Our members have grown accustomed to seeing us pave the way for innovative solutions that streamline the claims process,” said Alan Krapf, president, USAA Property and Casualty Insurance Group.

In October 2014, USAA filed for an exemption under Section 333 of the FAA Modernization and Reform Act of 2012 to enable more efficient testing of small drones. Exempt from select FAA regulations, USAA can now fly drones, made by U.S.-based PrecisionHawk, during the day within line-of-sight of a trained pilot and air crew. Prior to the approval, USAA test flights could only take place at FAA-approved sites. No aircraft will exceed an altitude of 400 feet, and all flights will continue to be reported to the FAA prior to takeoff.

With FAA approval, USAA will work with PrecisionHawk [(see VIDEO here)] to efficiently research and develop best practices, safety and privacy protocols and procedures as it further develops plans for operational use.

USAA also filed for an additional FAA exemption in November that will enhance USAA’s ability to use drones in catastrophes. That exemption petition is pending approval, and a decision is expected soon.

“We’re proud to be among the first insurers approved to test this technology,” Krapf said. “It’s our responsibility to explore every option to improve our members’ experience.”

About USAA
The USAA family of companies provides insurance, banking, investments, retirement products and advice to 10.7 million current and former members of the U.S. military and their families. Known for its legendary commitment to its members, USAA is consistently recognized for outstanding service, employee well-being and financial strength. USAA membership is open to all who are serving our nation in the U.S. military or have received a discharge type of Honorable – and their eligible family members. Founded in 1922, USAA is headquartered in San Antonio. For more information about USAA, follow us on Facebook or Twitter (@USAA), or visit usaa.com.
(Source: https://communities.usaa.com/t5/Press-Releases/FAA-Approves-USAA-Request-for-Drone-Research/ba-p/62019)

USAA applied for the exemption in October. In their application, they noted that USAA employees were invited to Oso, Washington, after a mudslide to assist local officials with aerial surveys.

Drones are a great tool for examining natural disasters, because they can safely fly over areas where the ground may still be hazardous for humans. Visual assessment and mapping tools give rescue workers a way to understand the newly-changed terrain, and they can also let insurance agents see which claims are justified.

In the best case scenario, using drones to evaluate claims means that victims of disasters will get the resources they need to get back on their feet faster. All told, that’s pretty great. There are certainly far worse things that could happen when a robot shows up after a disaster.

CU Blog - Drones to be used for Insurance Damage Claims - Photo 4

CU Blog - Drones to be used for Insurance Damage Claims - Photo 5

The subject of unmanned aircrafts are just another area of autonomous vehicles that the Go Lean … Caribbean movement (book and aligning blogs) has highlighted as being a focused subject for the region. This subject will impact jobs and security measures. Consider these previous blog/commentaries:

https://goleancaribbean.com/blog/?p=1487 Here come the Drones … and the Concerns
https://goleancaribbean.com/blog/?p=1277 The need for highway safety innovations – here comes Google
https://goleancaribbean.com/blog/?p=673 Ghost ships – Autonomous cargo vessels without a crew

A lot of activity with autonomous aircrafts have been the product of Radio Controlled craft hobbyists; see Appendix C VIDEO. But now, practical applications are being promoted, especially for commercial photographers. This is science, not science fiction; see VIDEO in Appendix B. There is the need for high-end photography solutions to process claims after natural disasters. According to the foregoing news article, the US regulators are now allowing the testing of drones for post-hurricane (and other natural disasters) claims processing. This aligns with the Go Lean book, to optimize natural disaster response AND to provide oversight for the regional aviation space. This book serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU). The CU/Go Lean roadmap describes CU agencies in the role of the Federal Aviation Administration (FAA) performs for the US in the foregoing article. So the parallel is strong, as there is the need to plan for natural disasters in the Caribbean – more and more – in partnership with the CU‘s Emergency Management agencies.

CU Blog - Drones to be used for Insurance Damage Claims - Photo 3

CU Blog - Drones to be used for Insurance Damage Claims - Photo 2

The Go Lean book purports that this type of industrial revolutions emerging with drones are more and more critical for Caribbean society. The risks and threats from storms will only intensify. In the previous blog about the rise of drones, this commentary asserted that “our region must participate in these developments, not just spectate on them”. These points are  also pronounced early in the book in the opening Declaration of Interdependence (Page 14), with these statements:

i.   Whereas the earth’s climate has undeniably changed resulting in more severe tropical weather storms, it is necessary to prepare to insure the safety and security of life, property and systems of commerce in our geographical region. As nature recognizes no borders in the target of its destruction, we also must set aside border considerations in the preparation and response to these weather challenges.

xxvi.  Whereas theCaribbean region must have new jobs to empower the engines of the economy and create the income sources for prosperity, and encourage the next generation to forge their dreams right at home, the Federation must therefore foster the development of new industries… In addition, the Federation must invigorate the enterprises related to existing industries like tourism…– impacting the region with more jobs.

xxvii.  Whereas the region has endured a spectator status during the Industrial Revolution, we cannot stand on the sidelines of this new economy, the Information Revolution. Rather, the Federation must embrace all the tenets of Internet Communications Technology (ICT) to serve as an equalizing element in competition with the rest of the world. The Federation must bridge the digital divide and promote the community ethos that research/development is valuable and must be promoted and incentivized for adoption.

This Go Lean book and accompanying blogs champion the cause of deploying technology to make the Caribbean a better homeland to live, work and play. The assertion is that innovative developments like camera-mounted unmanned aerial vehicles (drones) should be readily deployed after emergencies and disasters – from hurricanes to industrial accidents – to quickly assess the damage: life and property; see Appendix A VIDEO. There is the need to gather intelligence for where to direct First Responders (as in 911 emergencies); and even before people in the affected areas may call out for help.

While the focus of the Go Lean movement is primarily towards economics, it is the premise of this roadmap that security efforts must be coupled with the region’s economic empowerments. The premise is simple! The economic engines must be protected and preserved; this subject of “Insurance Company Disaster-Claim Assessing Drones” is therefore within scope for the Trade Federation. In fact, the CU/Go Lean roadmap has defined these 3 prime directives:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion and create 2.2 million jobs.
  • Establishment of a security apparatus to protect the resultant economic engines.
  • Improvement of Caribbean governance to support these engines.

While there may be proponents and opponents (privacy advocates) of unmanned aviation, no one would object to aggressive efforts to locate people in danger or quickly restore communities to normal operations after a storm. There is an overriding need, as many times tourist-based industries need to project the confidence to the watching world that Caribbean winter destinations will be ready, willing and able to extend hospitality to visitors … in short order.

The message and image must be consistent for the region’s primary economic driver, even after a natural disaster: Be our guest!

The Go Lean strategy is to confederate the 30 member-states of the Caribbean region to form the technocratic CU Trade Federation. Tactically, the roadmap calls for a separation-of-powers, allowing the Caribbean member-states to deputize authority of the Caribbean airspace to the one unified CU agency. Operationally, there is the need for these drones in critical times and also for everyday scenarios. (Many times, watercrafts become imperiled in the region’s waters; the scanning & diagnostic capabilities on drones would far-exceed human-eye capability for search-and-rescue).

The book details community ethos to adopt, plus the executions of the following strategies, tactics, implementations and advocacies to foster innovative solutions in Caribbean communities, so as to positively impact the societal economic, security and governing engines:

Community Ethos – Deferred Gratification Page 21
Community Ethos – All Choices Involve Costs Page 21
Community Ethos – Job   Multiplier Page 22
Community Ethos – Public Protection Over Privacy Concerns Page 23
Community Ethos – “Crap” Happens Page 23
Community Ethos – Lean Operations Page 24
Community Ethos – Return on Investments (ROI) Page 24
Community Ethos – Ways to Impact the Future Page 26
Community Ethos – Ways to Help Entrepreneurship Page 28
Community Ethos – Ways to Impact Research & Development Page 30
Community Ethos – Impact the Greater Good Page 37
Strategy – Vision – Confederating 30 Member-states in a Union Page 45
Strategy – Agents of Change – Technology Page 57
Strategy – Agents of Change – Aging Diaspora Page 57
Strategy – Agents of Change – Globalization Page 57
Strategy – Agents of Change – Climate Change Page 57
Tactical – Fostering a Technocracy Page 64
Tactical – Growing Economy – New High Multiplier Industries Page 68
Separation of Powers – Self Governing Entities Page 80
Separation of Powers – Aviation Administration and Promotion Page 84
Implementation – Ways to Pay for Change – Hurricane Reinsurance Funds Page 101
Implementation – Benefits from the Exclusive Economic Zone Page 104
Implementation – Steps to Implement Self-Governing Entities Page 105
Implementation – Ways to Deliver Page 109
Planning – 10 Big Ideas – Homeland Security Innovations Page 127
Advocacy – Ways to Grow the Economy Page 151
Advocacy – Ways to Create Jobs Page 152
Advocacy – Ways to Improve Housing – Hurricane Risk Reinsurance Funds Page 161
Advocacy – Revenues Sources for Caribbean Administration – Reinsurance Funds Page 172
Advocacy – Ways to Improve Homeland Security Page 180
Advocacy – Ways to Improve Intelligence Gathering & Analysis Page 182
Advocacy – Ways to Improve for Natural Disasters Page 184
Advocacy – Ways to Improve Emergency Management Page 196
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Impact Wall Street – Adopt Advanced Products: “Reinsurance” Page 197
Advocacy – Ways to Improve Transportation – Aviation Oversight Page 205
Advocacy – Ways to Improve Fisheries – Search & Rescue Page 210
Advocacy – Ways to Impact Urban Living Page 238
Advocacy – Ways to Impact Rural Living Page 239

The foregoing news story relates to threats and consequences of hurricanes. While hurricanes present a Clear and Present Danger to “life and limb”, the focus of this commentary is on property. While the sense of urgency may appear to be lower, there is still the need to impact the region’s Greater Good. The advocacy in this case is to be an early adopter of technology to optimize the administration of Caribbean economic engines.

This is heavy-lifting. The buy-in from community stakeholders will not be easy; there will be the need for collaboration, compromise and consensus-building for the full adoption of unmanned aviation.

The insights from the foregoing articles and embedded videos help us to appreciate that the future for unmanned aviation is now! We must therefore lean-in for these empowerments now.

In fact the region is urged to lean-in for the entire roadmap of Go Lean … Caribbean. The benefits are too alluring. Protection of people, properties and processes. This is the Greater Good. This roadmap allows for that quest: to make the Caribbean a better homeland to live, work and play. 🙂

Download the book Go Lean…Caribbean now!

————

Appendix A VIDEODrone Footage from Inside Corvette Museum Sinkholehttps://youtu.be/vkEDwOidW_Q


Published on Feb 12, 2014 – University of Western Kentucky’s Engineering Department sent a drone helicopter into the sinkhole at the National Corvette Museum that swallowed eight vintage Corvettes.

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Appendix B VIDEO – Sprite Unmanned Aerial Vehicle –  https://youtu.be/-w9YTJjGaEg


Published on May 13, 2015 – Meet Sprite, the most portable, most durable small unmanned aerial vehicle in the world. Powerful, yet simple to fly. Visit us at www.ascentaerosystems.com for more information! Pre-order at https://www.kickstarter.com/projects/…

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Appendix C VIDEO – Top 10 Drones 2015 – https://youtu.be/sq2n4TMC1XU


Published on Nov 14, 2014 – More Info & Pics: https://ezvid.com/top-ten-drones

 

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POTUS and the Internet

Go Lean Commentary

What is the requirement for the Office of the President of the United States; and why is this important to the Caribbean?

A candidate must be at least 35 years old; natural born citizen of the country (could not have been naturalized); must win the majority of votes (270) of the 538 total in the American Electoral College.

One more requirement: the candidate must have a “thick skin” and the uncanny ability to choose his/her battles. The President cannot pick a fight with just anyone that lobs unkind words, no matter how denigrating the insult.

This is not easy! Considering the free-for-all that is the internet; freedom of speech … is not free!

This actuality was dynamically illustrated in the past week; first with a number of 2016 potential candidates (Carly Fiorina, Ted Cruz, Jeb Bush and Hillary Clinton) in their quest to secure their own web domains (xxxxxxxxxx.com, xxxxxxxxxx.net, xxxxxxxxxx.org, etc.) and lastly with the current president’s first foray with the social media site Twitter. See stories here:

Title #1: U.S. presidential candidate Fiorina spins web around interviewer
By: Bill Trott, Reuters, May 10, 2015

WASHINGTON (Reuters) – Republican presidential candidate Carly Fiorina apparently has learned something about registering website domain names.

Former Hewlett-Packard Co Chief Executive and Republican U.S. presidential candidate Carly Fiorina speaks during the Freedom Summit in GreenvilleShortly after the former Hewlett-Packard chief executive announced her campaign last week, she found out that a cybersquatter had bought the rights to carlyfiorina.org and was using it to criticize her record.

Chuck Todd of NBC News brought up the issue while interviewing Fiorina on “Meet the Press” and showed the website, which features row after row of frowny-face emoticons representing 30,000 people laid off during her Hewlett-Packard tenure from 1999 to 2005.

Fiorina defended her record and after the interview sent a tweet thanking Todd for having her on the show and saying, “Btw, checkout chucktodd.org.” Her campaign had registered that domain and clicking on the link redirected traffic to her official campaign site, carlyforpresident.com.

Fiorina had done the same thing last week with sethmeyers.org when she appeared on NBC’s “The Late Show with Seth Meyers.”

Fiorina has acknowledged she made a mistake in not registering carlyfiorina.org first, but she is not the only 2016 presidential candidate bedeviled by cybersquatters.

Republican Ted Cruz must endure a rogue tedcruz.com site that says only “Support President Obama. Immigration Reform now”, while jebbushforpresident.com is being used by supporters of gay rights, not Jeb Bush.

The site hillaryclinton.org is not the work of Democratic candidate Hillary Clinton’s campaign and cyber security experts say it contains malicious software.

—————-

Title # 2: VIDEOPresident Obama @POTUShttp://wapo.st/1FkwKrX

May 19, 2015 (Reuters) – President Obama started his own Twitter account on Monday. Within 45 minutes of sending his first tweet, Obama gained more than 217,000 followers.

—————-

Title #3: ‘Welcome To Twitter, N*gger’: Righties Go FULL RACIST On POTUS Twitter Account (TWEETS)

Well, President Obama finally has his own twitter account, and conservatives didn’t waste any time showing just how racist they really are.

CU Blog - POTUS and the Internet - Photo 1

While the president was having fun posting about how his tweets would be his own words to the American people, righties were busy hurling racial slurs in @replies at the POTUS twitter account. For your viewing disgust, here are just a few of the so-called “welcome” messages President Obama received on his newly-created personal account (yes, these are screenshots and not actual tweets, in the event these trolls decide to delete their words like the cowards they are):

CU Blog - POTUS and the Internet - Photo 2

CU Blog - POTUS and the Internet - Photo 3

CU Blog - POTUS and the Internet - Photo 4

As if those initial messages weren’t bad enough, one person tweeted to the sitting President that he should be lynched, completed with image:

CU Blog - POTUS and the Internet - Photo 5

… I could go on, but you get the idea. If this doesn’t tell you that Barack Obama has handled the unprecedented disrespect and outright hatred directed at him from right-wing racists with the utmost grace and dignity, I don’t know what will.

The entire article is here: http://www.addictinginfo.org/2015/05/18/welcome-to-twitter-ngger-righties-go-full-racist-potus-twitter-account-tweets/; retrieved May 19, 2015.

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Title #4: Uh, you probably don’t want to tweet to @POTUS, actually
By: Caitlin Dewey

Twitter, at first glance, is a magical fantasy land — a utopia where any old egg can freely converse with presidents, pop stars and kings. It is the great democratizer; the global water cooler; the one place where you can say anything to anyone and know it’ll be okay.

Consider this your monthly reminder that this is actually NOT the case: On the modern Internet, impressions of anonymity and ephemerality are, well … usually fake.

But the joke’s actually on them: Not only does the Secret Service already monitor Twitter for threats, but the White House is archiving each and every thing @POTUS tweeters say. Ashley Feinberg flagged this relevant piece of the White House Online Privacy Policy

when you tweet “leave Michelle for me @POTUS,” or something even more inappropriate/creepy, that lives in an official White House Archive for eternity (slash, for potential future scrutiny).

To be clear, this isn’t just a White House thing: The principle applies, in one form or another, to most types of social networking

Find the whole article at the Washington Post Online site – The Capital’s Daily Newspaper (Posted 05-19-2015) –

http://www.washingtonpost.com/news/the-intersect/wp/2015/05/19/uh-you-probably-dont-want-to-tweet-to-potus-actually/

The President of the United States (POTUS) is considered the most powerful Commander-in-Chief in the world; this is due to the fact that the US is the only remaining Super Power with the world’s largest Single Market economy and world’s largest military establishment. This country is the Caribbean largest trading partner. POTUS also has direct oversight over the US Federal Government functionalities in the 2 US Territories in the Caribbean (Puerto Rico and the US Virgin Islands).

This subject is a pivotal theme in the book Go Lean…Caribbean, which asserts that Internet & Communications Technologies (ICT) are critical for elevating Caribbean society. The art and science of this field is slated to impact the economic, security and governing engines. The internet makes things easy; it makes benevolent endeavors easier and malevolent endeavors easier. There must be the constant oversight.

The challenges of politicians and the Internet clearly demonstrate the need for technocratic oversight for the Caribbean’s foray into garnering more respect and benefits for intellectual property. There is the need for “Grievance Officers” to settle disputes related to cyber-squatting for Caribbean domains and the proposed Caribbean Cloud branded: www.myCaribbean.gov.

Change has come to the world of politicking and elections. The ubiquity of the internet cannot be ignored.

This book, Go Lean… Caribbean, serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU). The CU/Go Lean roadmap has 3 prime directives:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion GDP and create 2.2 million new jobs.
  • Establishment of a security apparatus to protect the societal engines and marshal against human and civil rights abuses.
  • Improvement of Caribbean governance to support these engines, plus facilitate a smooth transparent election process.

Early in the book, the benefits of optimizing governance through technology empowerments are pronounced in the opening Declaration of Interdependence (Pages 12 & 14), with these statements:

xi.  Whereas all men are entitled to the benefits of good governance in a free society, “new guards” must be enacted to dissuade the emergence of incompetence, corruption, nepotism and cronyism at the peril of the people’s best interest. The Federation must guarantee the executions of a social contract between government and the governed.

xii.  Whereas the legacy in recent times in individual states may be that of ineffectual governance with no redress to higher authority, the accedence of this Federation will ensure accountability and escalation of the human and civil rights of the people for good governance, justice assurances, due process and the rule of law…

xxvi.  Whereas the region has endured a spectator status during the Industrial Revolution, we cannot stand on the sidelines of this new economy, the Information Revolution. Rather, the Federation must embrace all the tenets of Internet Communications Technology (ICT) to serve as an equalizing element in competition with the rest of the world. The Federation must bridge the digital divide and promote the community ethos that research/development is valuable and must be promoted and incentivized for adoption.

xxvii.  Whereas intellectual property can easily traverse national borders, the rights and privileges of intellectual property must be respected at home and abroad. The Federation must install protections to ensure that no abuse of these rights go with impunity, and to ensure that foreign authorities enforce the rights of the intellectual property registered in our region.

The Go Lean book details the community ethos to adapt to the changed ICT landscape, plus the executions of the following strategies, tactics, implementations and advocacies:

Community Ethos – Economic Principle – People Respond to Incentives Page 21
Community Ethos – Job Multiplier Page 22
Community Ethos – Lean Operations Page 24
Community Ethos – Return on Investments (ROI) Page 24
Community Ethos – Ways to Impact the Future Page 26
Community Ethos – Promote Intellectual Property Page 29
Community Ethos – Impact Research & Development Page 30
Community Ethos – Bridge the Digital Divide Page 31
Strategy – Vision – Integrate 30 Caribbean member-states into a Single Market Economy Page 45
Strategy – Mission – Fix the broken systems of governance in our region Page 46
Tactical – Fostering a Technocracy Page 64
Tactical – Growing the Economy – Book: Nature and Causes of the Wealth of Nations by Adam Smith (1776) Page 70
Separation of Powers – Department of State – Federal Elections Administrators Page 70
Separation of Powers – Federal/Caribbean Police – Elections/Candidate Security Page 77
Separation of Powers – Film Promotion and Administration Page 78
Separation of Powers – Intellectual Property (Copyrights & Domains) Administration Page 78
Separation of Powers – Communications and Media Authority Page 79
Separation of Powers – Federal Legislature & Electoral Seats Page 91
Implementation – Ways to Impact Social Media Page 111
Implementation – Ways to Impact Elections Page 116
Advocacy – Ways to Grow the Economy Page 151
Advocacy – Ways to Create Jobs Page 152
Advocacy – Ways to Improve Communications Page 186
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Foster e-Commerce Page 198
Advocacy – Ways to Impact Hollywood Page 203
Advocacy – Ways to Promote Contact Centers – Ideal for Pre-Election Polling Page 212
Advocacy – Ways to Impact the Diaspora Page 217
Appendix – Puerto Rico Diaspora distribution in the mainland United States Page 304

This commentary is about the Caribbean, not about the United States. It is important for leaders in the US to be concerned with the Caribbean’s well-being. This point has been explicitly acknowledged by Caribbean stakeholders and relevant subjects have recently been extolled in these previous Go Lean…Caribbean blog/commentaries:

https://goleancaribbean.com/blog/?p=5183 Mexico Model – May 5th – US too occupied during Civil War to defend neighbor
https://goleancaribbean.com/blog/?p=5088 Caribbean Migrants among the accounting of 1 in 11 Black population in USA
https://goleancaribbean.com/blog/?p=4935 A Lesson in History – Grand Old Party – the Republicans – must be cuddled
https://goleancaribbean.com/blog/?p=4897 US Backs LNG Distribution Base in Jamaica as Caribbean Regional Hub
https://goleancaribbean.com/blog/?p=4793 Yelp.com Review Site – Model of CU Social Media Grievance Regulators
https://goleancaribbean.com/blog/?p=4551 US Territories – currently Between a ‘rock and a hard place’
https://goleancaribbean.com/blog/?p=4360 Dreading the American ‘Caribbean Basin Security Initiative’
https://goleancaribbean.com/blog/?p=4294 US Ambassadors to Caribbean push US Energy and Security Policies
https://goleancaribbean.com/blog/?p=3834 State of Caribbean Union compared to the State of the American Union
https://goleancaribbean.com/blog/?p=3662 Caribbean Migrants desperate to get to US as Promised Land destination
https://goleancaribbean.com/blog/?p=1965 America’s Navy – Protector for Caribbean waters and the World’s

Other interactions related to US government-to-Caribbean population have also been blogged in Go Lean commentaries, as sampled here:

https://goleancaribbean.com/blog/?p=4058 New York Times Maledictions on The Bahamas
https://goleancaribbean.com/blog/?p=3473 Haiti to Get $70 Million from US-AID to Expand Caracol  Industrial Park
https://goleancaribbean.com/blog/?p=3455 Restoration of US Diplomatic Relations with Cuba
https://goleancaribbean.com/blog/?p=2907 Miami Haitian-American leaders protest Bahamian immigration policy
https://goleancaribbean.com/blog/?p=341 US slams human rights practices among Caribbean nations

The CU seeks to re-boot the relationship with the US to an elevated “protégé” status, as opposed to the parasite status currently being maintained. For the Caribbean member-states, the CU will oversee the radio spectrum used for internet, radio, television and satellite communications in the region. (This radio spectrum must be regulated “by us and for us” … on a regional level due to the close-proximity of member-states). So the CU‘s coordination must be arranged in the manner of a Common Pool Resource, as the radio spectrum is limited. This oversight must also extend to internet broadband (wireless & wire-line) governance.

Also, the CU must conduct its own federal elections for all 30 member-states. This CU election process, detailed in the Go Lean roadmap, is a direct parallel to the election process in the US, alluded to at the start of this commentary. The US system defines 538 “electors”. This corresponds to the 435 members of the House of Representatives, 100 senators, and the three additional electors for the nation’s non-State capital city, Washington, DC. The same Electoral College design is proposed for the CU – so as to not trivialize the region’s Small Island States – where 250 House seats, and 60 Senate seats, amounts to a total 310 (Page 91). With the requirement of 156 electoral votes to win the CU presidency, no candidate can be elected without the inclusion of some Small Island States. This is logical; an effective application for the CU legal structure bred from the US model.

For the CU, ICT must also come into play more and more to facilitate efficient federal campaigns. We can do this!

We can apply best-practices – as communicated in the foregoing articles – so as to mitigate election-campaign abuses and remediate slanderous communication from “bad actors” who try to bully elected officials; these ones  will become more active as election passions intensify.

“Out with the old; in with the new” – the US President Obama has less than 2 years remaining in his constitutionally-mandated  term-limit. The candidates vying for Mr. Obama’s job for 2016 will have to feature many of the same qualifications as Mr. Obama; these ones, in particular, must be thick-skinned in tolerating scathing insults and cyber-bullying. They would do best to remember that there will always be a loud minority … and quiet majority. 🙂

Download the free e-Book of Go Lean … Caribbean – now!

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Patents: The Guardians of Innovation

Go Lean Commentary

As evident in the following quotation regarding patent offices, the book Go Lean…Caribbean focuses heavily on the promotion and protection of Intellectual Property:

“A patent office is a governmental or intergovernmental organization which controls the issue of patents & trademarks. Patent offices may grant a patent or reject the patent based on whether or not the application fulfils the requirements for patent-ability. The World Intellectual Property Organization (WIPO) is 1 of the 17 specialized agencies of the United Nations. WIPO was created in 1967 “to encourage creative activity, to promote the protection of Intellectual Property throughout the world.” [But international coordination did not only begin in 1967 as] the predecessor to WIPO was the United International Bureau for the Protection of Intellectual Property established in 1893 to administer the Berne Convention for the Protection of Literary & Artistic Works (1886). WIPO currently has 185 member states and administers 24 treaties..” – Go Lean…Caribbean (Page 29)

The book posits that this strategy of facilitating patent offices to promote Intellectual Property can help grow economies. Yet, the book relates that this strategy is not new. Looking back on history, the book asserts (Page 29) that this strategy was adopted as a pivotal right for citizens in the early days of the United States of America. Even still, patents pre-dated the birth of the US, as they were awarded as Royal charters and decrees before hand. While the American Revolution was a rejection of the monarchy, the principles of patents continued. So the legal basis for the US Patent system, was embedded in the US Constitution at the start – Article 1 Section 8 – back in 1789. That clause states that …

the Congress shall have Power … to promote the Progress of Science and useful Arts, by securing for limited Times to Authors and Inventors the exclusive Right to their respective Writings and Discoveries.

On 31 July 1790, the first patent was issued to inventor Samuel Hopkins and signed by then-President George Washington.

CU Blog - Patents - The Guardians of Innovation - Photo 1

CU Blog - Patents - The Guardians of Innovation - Photo 1b

What a fine start!

But where did the road turn?

There are now organizations that go out and buy patents, then look for anyone that may consume the concepts similar to those patents. These Patent Trolling parties are not focused on future innovations, rather just litigation. The following is a VIDEO, using comedy and buffoonery, to highlight the abuse of this practice:

VIDEOhttps://youtu.be/3bxcc3SM_KA – Last Week Tonight with John Oliver: Patents (HBO)

Published on Apr 19, 2015For inventors, patents are an essential protection against theft. But when Patent Trolls abuse the system by stockpiling patents and threatening lawsuits, businesses are forced to shell out tons of money.
Content warning: Some profanity!

This issue is part-and-parcel of the recognition that American leadership may not always pursue the Greater Good. There are times, as reflected in this VIDEO, where Crony Capitalism may hi-jack good policies. This is an example of Big Legal where lawyers are quick to litigate a civil case just for a quick gain, as opposed to a pursuit of justice. See related news articles here:

CU Blog - Patents - The Guardians of Innovation - Photo 3

CU Blog - Patents - The Guardians of Innovation - Photo 2

Number of Patent Violation Lawsuits

There seems to be conflicting community ethos: the production of lawyers versus the production of engineers; (see Appendices below). In this case, it is the conclusion of this commentary that Patent Trolls stifle technical innovation through predatory litigation.

This issue of Patent Trolling aligns with the Go Lean book, in its mission to provide proper stewardship for the patent process in the Caribbean. The book posits that efficient management – technocratic – of this vital area is essential for the elevation of regional society by optimizing the economic, security and governing engines here in the Caribbean.

The book Go Lean…Caribbean champions the cause of building and optimizing the Caribbean eco-system. There is a lot of expectations for Intellectual Property (technology, music, film, art and literature)  in the region, to aid and assist with all aspects of the Go Lean prime directives; defined as follows:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
  • Establishment of a security apparatus to protect the resultant economic engines.
  • Improve Caribbean governance to support these engines.

The book serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU), a federal government to administer and optimize the economic/security/governing engines in the homeland of the region’s 30 member-states. The book Go Lean…Caribbean clearly recognizes that promoting and protecting Intellectual Property will contribute to industrial and cultural development of any society. The Caribbean does not only want to be on the consumption end of Intellectual Property; we want to create, develop and contribute to innovation. This starts by fostering genius in Caribbean stakeholders who demonstrate competence in Science, Technology, Engineering and Mathematics (STEM). Since Intellectual Property apply to more than STEM endeavors, we need the proper oversight – not too lax, as in the current Caribbean, and not trolling, as in the foregoing VIDEO. We need the proper oversight for music, film, art and literary copyrights as well.

At the outset, the Go Lean roadmap recognizes the value of harnessing careers related to Intellectual Property (IP). This intent was pronounced early in the book with these statements in the Declaration of Interdependence (Page 12 & 14):

xiii.  Whereas the preparation of our labor force can foster opportunities and dictate economic progress for current and future generations, the Federation must … recognize and facilitate excellence in many different fields of endeavor, including sciences, languages, arts, music and sports. This responsibility should be executed without incurring the risks of further human flight, as has been the past history.

xxvi.  Whereas the Caribbean region must have new jobs to empower the engines of the economy and create the income sources for prosperity, and encourage the next generation to forge their dreams right at home, the Federation must therefore foster the development of new industries, like that of ship-building, automobile manufacturing, prefabricated housing, frozen foods, pipelines, call centers, and the prison industrial complex. In addition, the Federation must invigorate the enterprises related to existing industries like tourism, fisheries and lotteries – impacting the region with more jobs.

xxvii.  Whereas the region has endured a spectator status during the Industrial Revolution, we cannot stand on the sidelines of this new economy, the Information Revolution. Rather, the Federation must embrace all the tenets of Internet Communications Technology (ICT) to serve as an equalizing element in competition with the rest of the world. The Federation must bridge the digital divide and promote the community ethos that research/development is valuable and must be promoted and incentivized for adoption.

xxviii.  Whereas Intellectual Property can easily traverse national borders, the rights and privileges of Intellectual Property must be respected at home and abroad. The Federation must install protections to ensure that no abuse of these rights go with impunity, and to ensure that foreign authorities enforce the rights of the Intellectual Property registered in our region.

xxx.  Whereas the effects of globalization can be felt in every aspect of Caribbean life, from the acquisition of food and clothing, to the ubiquity of ICT, the region cannot only consume, it is imperative that our lands also produce and add to the international community, even if doing so requires some sacrifice and subsidy.

xxxii.  Whereas the cultural arts and music of the region are germane to the quality of Caribbean life, and the international appreciation of Caribbean life, the Federation must implement the support systems to teach, encourage, incentivize, monetize and promote the related industries for arts and music in domestic and foreign markets. These endeavors will make the Caribbean a better place to live, work and play.

The Go Lean book presents the promotion and protection of Intellectual Property as a community ethos, a fundamental character/spirit that the Caribbean must adopt. This spirit must reflect an underlying sentiment that would inform the beliefs, customs, or practices of the Caribbean people. Community ethos would therefore cover strategies, tactics and implementations. This roadmap was constructed with this and other community ethos in mind, plus the execution of related strategies, tactics, implementations and advocacies to impact our society. The following is a sample of these specific details from the book:

Community Ethos – Deferred Gratification Page 21
Community Ethos – Economic Principles – People Respond to Incentives in Predictable Ways Page 21
Community Ethos – Economic Principles – The Consequences of Choices Lie in the Future Page 21
Community Ethos – Economic Principles – Job Multiplier Page 22
Community Ethos – Security Principles – Anti-Bullying and Mitigation Page 23
Community Ethos – Governing Principles – Lean Operations Page 24
Community Ethos – Governing Principles – Return on Investments Page 24
Community Ethos – Ways to Impact the Future Page 26
Community Ethos – Ways to Foster Genius Page 27
Community Ethos – Ways to Promote Intellectual Property Page 29
Community Ethos – Ways to Impact Research & Development Page 30
Community Ethos – Ways to Bridge the Digital Divide Page 31
Community Ethos – Ways to Impact the Greater Good Page 37
Strategy – Vision – Confederate 30 Member-States Page 45
Strategy – Mission – Exploit the benefits and opportunities of Intellectual Property Page 46
Tactical – Fostering a Technocracy Page 64
Tactical – Separation of Powers – Patent, Standards, and Copyrights Office – One for entire Region Page 78
Tactical – Separation of Powers – Communications and Media Regulatory Authority Page 80
Implementation – Steps to Implement Self-Governing Entities Page 105
Implementation – Ways to Deliver Page 109
Implementation – Ways to Impact Social Media – Caribbean Cloud Page 111
Implementation – Ways to Benefit from Globalization Page 119
Planning – 10 Big Ideas for the Caribbean Region – Cyber-Caribbean Page 127
Planning – Ways to Make the Caribbean Better Page 136
Advocacy – Ways to Grow the Economy Page 151
Advocacy – Ways to Create Jobs Page 152
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Foster e-Commerce Page 198
Advocacy – Ways to Impact Main Street Page 201
Advocacy – Ways to Improve the Arts Page 229
Advocacy – Ways to Promote Music Page 231
Appendix – Copyright Infringement – Protecting Intellectual Property Businesses Page 351

This Go Lean roadmap calls for the heavy-lifting to build-up Caribbean communities, to shepherd important aspects of Caribbean life, so as to better prepare for the future, dissuade skilled-labor emigration and encourage repatriation. Promotion of industries related to Intellectual Property (IP) is vital for this quest.

These goals were previously featured in blog/commentaries, as sampled here:

https://goleancaribbean.com/blog/?p=4913 The City of Ann Arbor, Michigan: Model for Communiies Promoting IP Start-ups
https://goleancaribbean.com/blog/?p=4126 Small town IP Innovator: Daktronics – Makes the largest video displays
https://goleancaribbean.com/blog/?p=3974 IP Innovator Google and Mobile Phones – Here comes Change
https://goleancaribbean.com/blog/?p=3915 ‘Change the way you see the world; you change the world you see’
https://goleancaribbean.com/blog/?p=3641 ‘We Built This City on Music, Entertainment and Leisure Businesses’
https://goleancaribbean.com/blog/?p=3490 How One IP Entrepreneur Can Rally a Whole Community
https://goleancaribbean.com/blog/?p=3384 Plea to Detroit: Less Tech, Please
https://goleancaribbean.com/blog/?p=3187 Robotic Innovation helps Amazon tackle Cyber Monday
https://goleancaribbean.com/blog/?p=2953 Funding Caribbean IP Entrepreneurs – The ‘Crowdfunding’ Way
https://goleancaribbean.com/blog/?p=2126 Where the Jobs Are – Computers & IP Reshaping Global Job Market
https://goleancaribbean.com/blog/?p=1698 STEM Jobs Are Filling Slowly
https://goleancaribbean.com/blog/?p=1416 IP Innovator Amazon’s new FIRE Smartphone
https://goleancaribbean.com/blog/?p=1277 The need for highway safety innovations – here comes Google
https://goleancaribbean.com/blog/?p=673 Innovative Autonomous cargo vessels without crews
https://goleancaribbean.com/blog/?p=308 CARCIP Urges Greater IP Innovation

The Go Lean book focuses primarily on economic issues; it recognizes that engineered products, computer hardware, software and appliances (innovative hybrid products combining hardware and software) are the future direction for job growth. As conveyed in the foregoing VIDEO, these initiatives will require IP protections. This is where new jobs will be found. The foregoing VIDEO also conveys how IP rights can be easily abused, with too little enforcement or too much application; (too wide an interpretation).

The Go Lean roadmap describes the heavy-lifting for people, organizations and governments to forge innovations here at home in the Caribbean, and to protect the scientists, artists and the public.

We can do this; we must make the Caribbean region a better place to live, work and play. 🙂

Download the free e-book of Go Lean … Caribbean – now!

————-

Appendix – Newspaper Letter-to-Editor: Commentary on adding more Law Schools in Florida – August 11, 1999

Title: Lawyers Vs. Engineers

I get a real hoot out of our Florida schools of higher learning wanting to add law schools. Especially when you consider we have a lawyer for every 450 people in our country as opposed to Japan’s one lawyer per 30,000 people. Furthermore, Japan has half of our population but graduates twice as many engineers.

Japan may be leaving us in the dust as far as technology is concerned but if we ever get them in court, well make monkeys out of them.

Sometimes I wonder.

Chic Volturno, Hollywood, Florida

(Source: http://articles.sun-sentinel.com/1999-08-11/news/9908100847_1_florida-schools-japan-lawyer)

————-

AppendixJOKE: Three lawyers and three engineers are traveling on a train…

Three lawyers and three engineers are traveling by train to a conference.

At the station, the three lawyers each buy tickets and watch as the three engineers buy only a single ticket.

“How are three people going to travel on only one ticket?” asks a lawyer.

“Watch and you’ll see,” answers an engineer.

They all board the train. The lawyers take their respective seats but all three engineers cram into a restroom and close the door behind them. Shortly after the train has departed, the conductor comes around collectingtickets. He knocks on the restroom door and says, “Ticket, please.” The door opens just a crack and a single arm emerges with a ticket in hand.  The conductor takes it and moves on.

The lawyers see this and agree that it is quite a clever idea so, after the conference, they decide to copy the engineers on the return trip and save  some money (recognizing the engineers’ superior intellect).

When they get to the station, they buy a single ticket for the return trip.  To their astonishment, the engineers don’t buy a ticket at all.

“How are you going to travel without a ticket?” says one perplexed lawyer.

“Watch and you’ll see,” answers an engineer.

When they board the train the three lawyers cram into a restroom and the three engineers cram into another one nearby.

The train departs.

Shortly afterward, one of the engineers leaves his restroom and walks over to the restroom where the lawyers are hiding. He knocks on the door and  says, “Ticket, please.”

(Source: http://www.ebaumsworld.com/jokes/read/80430977/)

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Americans arrested for aiding ISIS

Go Lean Commentary

CU Blog - Americans arrested for aiding ISIS - Photo 3It’s only been 14 years, but how easily we can forget: the events of 9/11 – September 11, 2001 – and the economic/security implications on North America … and the rest of the world, the Caribbean included. The economic effects arising from the September 11 attacks were an initial shock causing global recessions and dropping the world’s stock markets sharply; (see photo here).

Unfortunately, the entire Caribbean eco-system functions as a parasite to the American host. In Biology, when the host ails, the parasite “dies”; this poetically describes the Caribbean socio-economic dispositions, post-9/11. All in all, the consequences to the Caribbean were dire!

What have we learned? Can we do better going forward?

There is now a new plan to impact the Caribbean economy, in a positive way! We are now counting on this success. The assertion in the book Go Lean … Caribbean (Page 23) is that with the emergence of new economic engines, “bad actors” will also emerge thereafter to exploit the opportunities, with good, bad and evil intent. The book relates that this is a historical fact, that is bound to be repeated again and again.

When one group prospers, especially if some perceive that there is some exploitation of others in the process, the resultant animosity creates threats to homeland security. This is the reality in the United States and is expected to materialize in the Caribbean, as a direct product of elevation of this region’s societal engines.

This point is pronounced early in the book with the Declaration of Interdependence (Page 12) that claims:

x.   Whereas we are surrounded and allied to nations of larger proportions in land mass, populations, and treasuries, elements in their societies may have ill-intent in their pursuits, at the expense of the safety and security of our citizens. We must therefore appoint “new guards” to ensure our public safety and threats against our society, both domestic and foreign. The Federation must employ the latest advances and best practices … to assuage continuous threats against public safety.

xvi. Whereas security of our homeland is inextricably linked to prosperity of the homeland, the economic and security interest of the region needs to be aligned under the same governance. Since economic crimes, including piracy and other forms of terrorism, can imperil the functioning of the wheels of commerce for all the citizenry, the accedence of this Federation must equip the security apparatus with the tools and techniques for predictive and proactive interdictions.

The US has experienced a long list of terrorist attacks from both foreign and domestic sources. As a result, the country’s homeland security forces have to always be “on guard”, on alert for real or perceived threats.

CU Blog - Americans arrested for aiding ISIS - Photo 1

Being “on guard” to protect the American homeland means proactively seeking out those with bad intent, by “hook or by crook”:

VIDEO: FBI: U.S. National Guard soldier tried to join ISIS – http://www.cbsnews.com/videos/fbi-u-s-national-guard-soldier-tried-to-join-isis/

March 26, 2015 – Hasan Edmonds, a member of the Illinois National Guard, and his cousin, Jonas, are charged with supporting the Islamic State in Iraq and Syria (ISIS). The two were arrested after their alleged plot for a massacre was uncovered. David Martin reports. (VIDEO plays best in Internet Explorer).

It is important to reflect that the US has been consistently under attack.

CU Blog - Americans arrested for aiding ISIS - Photo 2

We all know of the World Trade Center attacks on September 11, 2001, but terrorist attacks are actually more common in the US than one might think, or remember. Consider here, these recorded terrorist attacks in the US for this decade alone, since 2010:

Date City/State Enemy Category Encyclopedic Details
December 4,   2014 Kansas City, Missouri Anti-Muslim Killing of Abdisamad Sheikh Hussein
October 30,   2014 Pike County, PA Anti-government Pennsylvania’s Eric Frein Attack & Flight
October 23, 2014 Queens, New York Muslim Extremist 2014 Queens Hatchet Attack
June 8, 2014 Las Vegas, Nevada Anti-government 2014 Las Vegas Shootings
April 13, 2014 Overland Park, Kansas Neo-Nazi Overland Park Jewish Community Center Shooting
December 13, 2013 Wichita, Kansas Muslim Extremist 2013 Wichita Bomb Plot
November 1, 2013 Los Angeles, CA Anti-government 2013 Los Angeles International Airport Shooting
April 16, 2013 Washington, DC Bio-Terrorism April 2013 Ricin-laced Letters
April 15, 2013 Boston, Massachusetts Muslim Extremist Boston Marathon Bombings
November 29, 2012 Casa Grande, Arizona Muslim Extremist Casa Grande Bombing
August 5, 2012 Oak Creek, Wisconsin Neo-Nazi Wisconsin Sikh Temple Shooting
May 11, 2011 Manhattan, New York, NY Muslim Extremist 2011 Manhattan Terrorism Plot
January 24, 2011 Dearborn, Michigan Anti-Muslim 2011 Dearborn Mosque Bombing Plot
November 26, 2010 Portland, Oregon Muslim Extremist 2010 Portland Car Bomb Plot
October 27, 2010 Washington, DC Muslim Extremist Farooque Ahmed Pentagon-Area Plot
May 1, 2010 Manhattan, New York, NY Muslim Extremist 2010 Times Square Car Bombing Attempt
February 18, 2010 Austin, Texas Anti-government 2010 Austin Suicide Attack

The United States Homeland Security Forces have their hands full. They obviously have real threats to mitigate and remediate. For most of the Caribbean, we are allied with the US. So their enemies might very well become our enemies. Therefore the book Go Lean…Caribbean posits that the region must prepare its own security apparatus for its own security needs. So the request is that all Caribbean member-states form and empower a security force to execute a limited scope on their sovereign territories.

The Go Lean…Caribbean vision is to confederate under a unified entity made up of the Caribbean to provide homeland security to the Caribbean. But Homeland Security for the Caribbean has a different meaning than for our American counterparts. Yes, we must be on defense against military intrusions like terrorism and piracy, we mostly have to contend with threats that may imperil the region’s economic engines, and crime remediation and mitigation. The CU security goal is for public safety! This goal is detailed in the book as it serves as a roadmap for the introduction of the technocratic Caribbean Union Trade Federation (CU). The CU is set to optimize Caribbean society through economic empowerment, and also the security dynamics of the region, since these are inextricably linked to this same endeavor. Therefore the Go Lean roadmap has 3 prime directives:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
  • Establishment of a security apparatus to protect the resultant economic engines.
  • Improvement of Caribbean governance to support these engines.

The Caribbean appointing “new guards”, or a security pact to ensure public safety includes many of the same strategies, tactics and implementations employed by US forces in the foregoing VIDEO. We too must use “hook and crook”, plus advanced Intelligence Gathering & Analysis, to draw out and interdict “bad actors” that emerge in the Caribbean region. The Go Lean roadmap calls for the designated  Intelligence Agency to provide Unified Command and Control for the Caribbean anti-crime and defense efforts. This will include a permanent professional military force with naval and ground (Marine) forces.

This security pact would be sanctioned by all 30 CU member-states as a Status of Forces Agreement (SOFA). The CU Trade Federation will lead, fund and facilitate the security forces, encapsulating all the existing armed forces (full-time or part-time/reserves) in the region. This CU Homeland Security Force would get its legal authorization from a SOFA embedded at the CU treaty initiation.

This Security Apparatus is “Step One, Day One” in the Go Lean roadmap, covering the approach for adequate funding, accountability and control. The Go Lean book details a series of community ethos, strategies, tactics, implementations and advocacies to provide increased public safety & security in the Caribbean region:

Community Ethos – Economic Systems Influence Individual Choices Page 21
Community Ethos – Consequences of Choices Lie in Future Page 21
Community Ethos – Privacy –vs- Public Protection Page 23
Community Ethos – Intelligence Gathering Page 23
Community Ethos – “Crap” Happens Page 23
Community Ethos – Minority Equalization Page 24
Community Ethos – Cooperatives Page 25
Community Ethos – Ways to Manage Reconciliations Page 34
Community Ethos – Ways to Improve Sharing Page 35
Community Ethos – Ways to Impact the Greater Good Page 37
Tactical – Confederating a non-sovereign union Page 63
Tactical – Fostering a Technocracy Page 64
Tactical – Separation of Powers – Homeland Security Page 75
Tactical – Separation of Powers – CariPol: Marshals & Investigations Page 75
Implementation – Ways to Pay for Change Page 101
Implementation – Start-up Foreign Policy Initiatives Page 102
Implementation – Start-up Security Initiatives Page 103
Implementation – Ways to Foster   International Aid Page 115
Implementation – Reasons to Repatriate Page 118
Planning – Ways to Model the EU Page 130
Planning – Ways to Make the Caribbean Better Page 131
Planning – Ways to Improve Failed-State Indices Page 134
Planning – Lessons Learned from the West Indies Federation Page 135
Planning – Lessons from East Germany – Border Issues Page 139
Planning – Lessons from the American West – Law & Order Page 142
Planning – Lessons from Egypt Page 143
Advocacy – Ways to Grow the Economy Page 151
Advocacy – Ways to Improve Governance Page 168
Advocacy – Ways to Better Manage the Social Contract Page 170
Advocacy – Ways to Improve Leadership Page 171
Advocacy – Ways   to Impact Justice – Military Police Role Page 177
Advocacy – Ways   to Reduce Crime Page 178
Advocacy – Ways to Improve for Gun Control Page 179
Advocacy – Ways to Improve Homeland Security Page 180
Advocacy – Ways to Mitigate Terrorism Page 181
Advocacy – Ways to Improve Intelligence Gathering/Analysis Page 182
Advocacy – Ways to Impact the Prison Industrial Complex Page 211
Advocacy – Ways to Protect Human Rights Page 220
Appendix – Prison Industrial Complex: Nauru Detention Center Page 290

Other subjects related to security and governing empowerments for the region have been blogged in other Go Lean…Caribbean commentary, as sampled here:

https://goleancaribbean.com/blog/?p=4360 Dreading the ‘CaribbeanBasin Security Initiative’
https://goleancaribbean.com/blog/?p=3881 Intelligence Agencies to Up Cyber Security Cooperation
https://goleancaribbean.com/blog/?p=2684 Role Model for Justice: The Pinkertons
https://goleancaribbean.com/blog/?p=1965 America’s Navy – 100 Percent – Model for the Caribbean
https://goleancaribbean.com/blog/?p=1487 Here come the Drones … and the Concerns
https://goleancaribbean.com/blog/?p=1143 White Collar crime in America; criminals take $272 billion a year in healthcare fraud
https://goleancaribbean.com/blog/?p=1076 Trinidad Muslims travel to Venezuela for jihadist training
https://goleancaribbean.com/blog/?p=960 NSA records all phone calls in Bahamas, according to Snowden
https://goleancaribbean.com/blog/?p=809 Muslim officials condemn abductions of Nigerian girls
https://goleancaribbean.com/blog/?p=535 Remembering and learning from Boston
https://goleancaribbean.com/blog/?p=392 Jamaica to receive World Bank funds to help in crime fight
https://goleancaribbean.com/blog/?p=341 US slams Caribbean human rights practices
https://goleancaribbean.com/blog/?p=273 10 Things We Want from the US – #4: Pax Americana

The foregoing VIDEO relates to a Military Reservist; this population is especially troublesome for community peace assurances as these ones are trained killers. Plus with disorders like Post Traumatic Stress Disorder (PTSD), the afflicted may be dealing with mental and emotional crises.

Underlying to the prime directive of elevating the economic, security and governing engines of the Caribbean, is the desire to make the Caribbean homeland safer, a better place to live, work and play. We must be prepared for the “bad actors”, to dissuade their disrupting the peace of all Caribbean residents (42 million people) or the 80 million tourists that visit the region annually.

All of the Caribbean people and institutions are hereby urged to lean-in to this roadmap. Yes, we can – we must – do better!   🙂

Download the book Go Lean … Caribbean – now!

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Truth in Commerce – Learning from Yelp

Go Lean Commentary

Small businesses are the backbone of Caribbean economies; same too in North America and Europe. Imagine then, small business owners doing everything just right, applying all best-practices and then boom, someone comes along with mis-truths and completely undermines their quality work. This is villainous!

This has happened, time and again; and now with the internet culture, the villains do not have to try too hard.

Consider this experience from the San Francisco Bay Area, with a Chinese-Hunan Restaurant in Millbrae, California named “Wonderful”:

CU Blog - Truth in Commerce - Learning from Yelp - Photo 1At Wonderful, perhaps the best of the Bay Area’s new Hunan restaurants, dishes are riddled with pickled peppers and fermented black beans, and the menu is stocked with the steamed dishes, smoked meats and dry hot pots that define the regional cuisine to many Chinese eaters.

Owner Junsong Xue moved to the Bay Area from China 18 years ago to pursue a business master’s at Cal State Hayward. His twin brother stayed in Beijing, where he built a Hunan restaurant empire called Cai Xiang Gen.

After managing Mimi’s Cafe in San Mateo for 11 years, Junsong persuaded his twin to open a California branch of Cai Xiang Gen in Millbrae. It took the Xue family two years to build out the space, installing wood-framed booths, birdcage lights and a large television playing documentaries about Hunan cuisine. They opened the restaurant in April, with chefs from the chain’s Chinese branches circulating through the kitchen, training cooks and ensuring quality. – Restaurant Review posted January 19, 2015 by the San Francisco Chronicle’s online site “SF Gate”; retrieved April 1, 2015 from:

http://www.sfgate.com/restaurants/article/Hunan-s-second-heat-wave-introduces-classics-of-6019006.php#photo-7383515

CU Blog - Truth in Commerce - Learning from Yelp - Photo 2

CU Blog - Truth in Commerce - Learning from Yelp - Photo 3

This is best-practices personified…

… and then:

A Yelp* reviewer named Dan W. recently went to Wonderful in Millbrae and found the experience less than satisfactory. He gave the Hunan restaurant a “one star” and stated, “I was flying solo that night, after a particularly challenging day. The waiter came up and asked how many. I said one, I had planned to sit at the bar or get the food to go. She said “one? no, one?” and then ran off. I waited a minute at the door, and then left. They were busy and potentially understaffed. It’s not that classy of a place, but they refused to seat me.”

Basically, Dan W. claimed Wonderful wouldn’t seat a party of one, even though he was having a challenging day. The folks at Wonderful found Dan’s account of events challenging to believe, so they reviewed some surveillance footage. The restaurant figured out who Dan W. was and found him entering the restaurant, indeed solo (and after a challenging day.) Dan W. never spoke to anyone, took a look around, and promptly left. Wonderful responded with a dramatic and lengthy response to Dan with their video evidence.

Dan deleted his review, and their Yelp page is now [only] awash in 5-star reviews.

Here is Wonderful’s response to Dan W., complete with video evidence:

“Do Not Mess With Wonderful”. Claim the management, “Dan, we didn’t refuse to seat you. You refused to wait in line like everyone else. You thought you were special, so special that you don’t have to follow the rules. That’s not true, we caught you. You are prohibited from returning to Wonderful. If we catch you, you will be arrested for trespassing.” – Posted March 26, 2015 from: http://blog.sfgate.com/stew/2015/03/26/bay-area-restaurant-finds-video-proves-negative-yelp-review-a-lie/

VIDEO: Lying Yelp Reviewer Caught by Wonderful Chinese Restaurant – Side Camera  – https://youtu.be/i7XDtmu-MdI

Published on Mar 24, 2015 – Yelp Reviewer Dan W from San Bruno, Ca. left a review about a restaurant called Wonderful Chinese in Milbrae, Ca. and the restaurant exposed his lies.

What were the motives of the character Dan W.? It is not known here, but the cause-and-effect is villainous. Just a little comment could have ruined the reputation, brand and image of that restaurant and all the hard work/investment to build it up. On the one hand, Dan W. may simply claim “Freedom of Speech” but on the other hand, there must be some limits to speech. In truth, speech is not free! One cannot run into a crowded theater and erroneously shout “Fire, Fire” without consequences. The resultant stampede is prosecutable in most jurisdictions, as manslaughter or “depraved indifference”.

In addition to the Yelp incident, the American referral site Angie’s List has also “come under fire” for allowing non-credible reviews of businesses and service providers. This case seemed more benign, just a disagreement of levels of quality for a subjective service. Yet still, these incidences must be anticipated.

Based on the foregoing news articles, this issue is a hot topic right now.

The Empire Strikes Back…
Electronic Commerce is now all the rage. Many retail services are marketed, solicited and contracted online, so online reviews (like Yelp and Angie’s List) wield a lot of power; a bad review can truncate growth for a small business. Planners for economic empowerments must therefore consider governance of e-Commerce communications in its oversight. This is the assertion in the book Go Lean…Caribbean, that governance must be in place to ensure integrity of the region’s information super-highway (Page 79), across broadband and wireless deliveries. Too much is at stake. The book posits that some issues are too big for any one Caribbean member-state to manage alone – especially with close proximities where radio spectrum can bleed from one country to another. The book maintains that there are times when there must be a cross-border, multilateral coordination. This Go Lean book serves as a roadmap for the introduction and implementation of the technocratic Caribbean Union Trade Federation (CU) to facilitate the growth, promotion and regulatory oversight of this Internet Communications Technology (ICT) industry space in a regional Single Market.

The Asian country of India has provided a good model for communication governance in the era of internet communications.

In September 2013, a petition was made to an Indian Court which claimed, amongst other things, that several public officials were using private email services (like Gmail, Yahoo, Hotmail, etc.) for official communication. Legal Counsel for the petitioner had argued that this imperiled national security and violated sections of the country’s Public Records Act, 1993, which mandates that all public records be maintained by the government within Indian territory. The Court found a breach in information security best-practices and ordered remedies accordingly. In response and in pursuit of compliance the government submitted a set of guidelines to the Court to approve for implementation. The guidelines concern many matters of data security; the fairly wide ranging Court Order made foreign sites like Google and Facebook establish grievance officers to report integrity problems within the country.

This Indian model mirrors the proposed Go Lean solution. It demands a lean technocratic efficiency to ensure that there is accountability and transparency in the governance of the Information Technology Arts and Sciences. We need a Grievance Officer for the Caribbean Single Market.

This is among the missions of Go Lean roadmap, to elevate the economic engines and accompanying electronic commerce eco-system of the Caribbean region. The region needs jobs, so we need job creators: small businesses. The CU’s prime directives are identified with the following 3 statements:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
  • Establishment of a security apparatus to protect the resultant economic engines.
  • Improvement of Caribbean governance to support these engines.

The subject of electronic commerce integrity features economic, security and governing concerns. The Go Lean roadmap calls for the deployment of a custom Social Media / Electronic Commerce offering for all Caribbean member-states, branded www.myCaribbean.gov. This Caribbean Cloud initiative is projected in the Go Lean book as a subset of the integrated postal operations, the Caribbean Postal Union. Commerce, whether Main Street or “E-Street”, must be facilitated with technocratic efficiency, accountability and commercial “fair play”. The vision to elevate these aspects of Caribbean society was defined early in the book (Page 12 & 14) in the following pronouncements in the Declaration of Interdependence:

xv. Whereas the business of the Federation and the commercial interest in the region cannot prosper without an efficient facilitation of postal services, the Caribbean Union must allow for the integration of the existing mail operations of the governments of the member-states into a consolidated Caribbean Postal Union, allowing for the adoption of best practices and technical advances to deliver foreign/domestic mail in the region.

xxvii. Whereas the region has endured a spectator status during the Industrial Revolution, we cannot stand on the sidelines of this new economy, the Information Revolution. Rather, the Federation must embrace all the tenets of Internet Communications Technology (ICT) to serve as an equalizing element in competition with the rest of the world. The Federation must bridge the digital divide and promote the community ethos that research/development is valuable and must be promoted and incentivized for adoption.

The Caribbean biggest neighbor, the United States, is also struggling with the dynamics of this electronic commerce industry and the oversight of online reviews.

Some companies there had adopted new policies forbidding negative reviews on online sites. See excerpts of this September 14, 2014 news article here:

Title: Can a company stop you from writing a negative online review? Not if Congress passes this bill
By: Herb Weisbaum, NBC News Contributor

CU Blog - Truth in Commerce - Learning from Yelp - Photo 4You’re entitled to your opinion – just be prepared for possible legal consequences if you share it online.

A growing number of companies now have “non-disparagement clauses” in their contracts or terms of use. They limit a customer’s right to comment on social media sites such as Yelp about the product or service they purchased – even if that comment or review is truthful and accurate.

A non-disparagement clause might look something like this:

  • Any disputes between the parties remain confidential. Customers shall not make or encourage others to make any public statement that is intended to, or reasonably could be foreseen to, embarrass or criticize the company or its employees, without obtaining prior written approval from the company.

“Non-disparagement clauses have the potential to create a profound chilling effect,” said Andy Sellars with the Harvard Law School’s Cyberlaw Clinic. “Their mere existence may scare consumers from writing a review in the first place.”

The Consumer Review Freedom Act, introduced in Congress last week by two Democratic representatives from California, Rep. Eric Swalwell and Rep. Brad Sherman, would make it illegal for businesses to have non-disparagement clauses in their contacts that prohibit consumers from posting negative online reviews.

Read the full article: http://www.today.com/money/congress-wants-you-be-able-criticize-companies-2D80168557

There are so many best practices around the world for the Caribbean region to study for insights and wisdom. The successful application of this roadmap will foster such best practices for the delivery of home-grown electronic commerce and social media in the Caribbean. The wisdom the Go Lean book gleans from this global study is presented as a series of community ethos, strategies, tactics, implementations and advocacies; a detailed sample is listed as follows:

Community Ethos – Deferred Gratification Page 21
Community Ethos – People Choose Page 21
Community Ethos – People Respond to Incentives Page 21
Community Ethos – Economic Systems Influence Individual Choices Page 21
Community Ethos – Job Multiplier Page 22
Community Ethos – Privacy versus Public Protection Page 23
Community Ethos – Whistleblower Protection Page 23
Community Ethos – Lean Operations Page 24
Community Ethos – Ways to Help Entrepreneurship Page 28
Community Ethos – Promote Intellectual Property Page 29
Community Ethos – Ways to Bridge the Digital Divide Page 31
Community Ethos – Ways to Improve Sharing Page 35
Community Ethos – Ways to Impact the Greater Good Page 37
Strategy – Vision – Integrate a Single Market of entire region Page 45
Tactical – Fostering a Technocracy Page 64
Tactical – Separation of Powers – Postal Services Page 78
Tactical – Separation of Powers – Interstate Commerce Administration Page 79
Tactical – Separation of Powers – Communications and Media Authority Page 79
Implementation – Year 1 / Assemble Phase – Establish CPU Page 96
Anecdote – Implementation Plan – Mail Services – US Dilemma Page 99
Implementation – Improve Mail Services – Electronic Supplements Page 108
Implementation – Ways to Deliver Page 109
Planning – 10 Big Ideas for the Caribbean Region – Cyber Caribbean Page 127
Advocacy – Ways to Improve Interstate Commerce Page 129
Advocacy – Ways to Grow the Economy Page 151
Advocacy – Ways to Create Jobs Page 152
Advocacy –Ways to Improve Governance Page 168
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Foster e-Commerce Page 198
Advocacy – Ways to Impact Main Street – Wifi & Mobile Apps Page 201
Advocacy – Ways to Improve Monopolies – Utilities to Oversee ICT Page 202
Advocacy – Ways to Impact Urban Living Page 234

This commentary therefore features the subjects of commerce, electronic commerce and entrepreneurship. The Caribbean can learn from the Americans and emulate the Indian model.

The biggest consideration should be “technocracy”, the ability to assess market conditions and structure viable solutions; driven by the community ethos of the Greater Good. The book defines that the term technocracy was originally used to designate the application of the scientific method to solving social & economic problems, in counter distinction to the traditional political or philosophic approaches. The CU will start as a technocratic confederation – a Trade Federation – rather than evolving to this eventuality. So technology governance and postal consolidations are planned for Day One of the CU roadmap.

Now is the time for all of the Caribbean, the people, businesses and governing institutions, to lean-in for the empowerments in the book Go Lean … Caribbean. This Big Idea for the region, Cyber Caribbean, can truly impact the region. It can make the Caribbean a better place to live, work and play.  🙂

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AppendixSource Reference:
* Yelp, Yelp.com and the Yelp mobile app, publishes crowd-sourced reviews about local businesses.

 

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Cash, Credit or iPhone …

Go Lean Commentary

Caribbean society is advancing; moving forward…

A previous blog/commentary demonstrated that the region’s banks are ready to accept electronic payments transactions, that their deployment of credit card terminals allow the introduction of the Caribbean Dollar (C$) as a regional currency. This is a good start!

But the world has already moved forward from that standard. The future of the credit card, debit card and payment card is missing … the card! Yet, still the Caribbean region must be ready.

Getting the region ready is the mission of the book Go Lean … Caribbean, a roadmap for the introduction and implementation of the Caribbean Union Trade Federation (CU) and the Caribbean Central Bank (CCB). This Go Lean roadmap depicts these entities as hallmarks of technocratic efficiency; therefore the agility will be part of the institutions’ DNA to not just keep pace with technology and market changes but also to drive change as well. In fact, these 3 statements are identified as prime directives for the CU/CCB effort:

  • Optimization of the economic engines in order to grow the regional economy to $800 Billion & create 2.2 million new jobs.
  • Establishment of a security apparatus to protect the resultant economic engines.
  • Improvement of Caribbean governance to support these engines.

So the electronic payment schemes being considered by the rest of the world, in the following article, must also be envisioned for deployment in the Caribbean region:

Title: Cash, Credit or iPhone?
By: Chris Clayton, Special Contributor

If one word summed the future of how we pay for things, it certainly wouldn’t be “plastics”. Mobile payments are emerging as the ultimate disrupter of cash and credit cards, with Apple Pay, Google Wallet and others competing in an ever crowded market.

By nearly every psychographic measure, Elliot Payne is the ideal Apple customer. He lives in a hip city (Minneapolis), has a creative job (designer as a digital ad agency), moonlights as a DJ, blogs about tech and – most importantly – is a proud early adopter. So when Apple released its new mobile payment service on iPhone 6 in October, guess who tried it out at Whole Foods on the first day it was available? At checkout, Payne placed his thumb on his phone’s touch ID sensor, waved it in front of a reader on the payment terminal, and before he could say “expensive organic groceries,” he had used his fingerprint and smartphone to buy expensive organic groceries.

Not that swiping plastic is any more time-consuming than holding up your phone, but Payne argues that convenience isn’t Apple Pay’s main selling point. “Its more about security,” he says. Apple Pay uses something called “tokenization,” which replaces the card info stored on your phone with a special number used to make payments. That number is translated only when it reaches your credit card network, meaning the merchants never sees your financial information. It is not foolproof, but it’s a lot safer than swiping plastic, which leaves your identity exposed to hackers.

Innovations such as tokenization in the mobile space are slowly but surely pushing consumers away from cash, checks and physical cards

CU Blog - Cash, Credit or iPhone - Photo 1

According to a 2014 Business Insider report, in-store mobile payments in the United States (that is, using your phone to pay for goods rather than cash, check or plastic card) will grow by 153 percent from $1.8 billion in 2013 to $190 billion in 2018. Pair that with data from a 2014 Forrester Research eCommerce forecast predicting online retail sales to jump from $294 billion in 2014 to $414 billion in 2018, and its clear that our our growing love of smartphones and tablets is impacting how and where we shop. Predictably, banks, credit card networks, retailers and tech companies are clamoring to invent bells and whistles to make mobile payments easier, more secure, and – to borrow a phrase from a Square spokesperson when we asked how the merchant services outfit planned on winning at the point of sale – more “magical.”

Excerpt from: Delta SKY In-flight Magazine January 2015; retrieved from: http://msp.imirus.com/Mpowered/book/vds2015/i1/p70

———

Another article/VIDEO relating the Apple Pay innovation: Huntington Bank joins Key, PNC, US Bank and Chase with Apple Pay Deployment.

VIDEO – Apple Pay Demo  – http://youtu.be/4I9MbIrlEUw

Published on Sep 9, 2014 – Apple has revealed its mobile payments play, and it features NFC and Touch ID, as many expected. Essentially, with the new iPhones, a user holds their phone near a payment terminal, and the payment card they’ve set as a default is called up, prompting a Touch ID action where the user authenticates their transaction.

———

Apple Pay is not the only Mobile Payment Solution. Other options have emerged:

The Go Lean book posits that electronic payment schemes (card-based, NFC and internet) are very important in this strategy to elevating the Caribbean economy, security and governing engines.

This Go Lean/CU/CCB roadmap looks to employ electronic payments schemes to impact the growth of the regional economy in tourism and other domestic endeavors. One CU scheme is directly targeted to impact one segment of tourism eco-system: Cruise line passengers:

  • The cruise industry needs the Caribbean more than the Caribbean needs the industry. But the cruise lines have embedded rules/regulations designed to maximize their revenues at the expense of the port-side establishments. The CU solution is to deploy a scheme for smartcards (or smartphone applications) that function on the ships and at the port cities. This scheme will also employ NFC technology – (Near Field Communications; defined fully at Page 192 – so as to glean the additional security benefits of shielding private financial data of the guest and passengers.

The goal of electronic payments is to facilitate more electronic commerce (or e-Commerce). The Go Lean roadmap defines that the Caribbean Dollar (C$) will be mostly cashless, an accounting currency. So the CCB will settle all C$ electronic transactions (MasterCard-Visa style or ACH style) and charge interchange/clearance fees. Apple Pay is not a “free” service; card issuers have to pay about 15 basis points (.15%) to Apple, and merchants pay about 3% interchange fees for the e-Payment transaction (MC/Visa/AmEx) itself. Acquirers (sales and consolidation organizations) must be in place. So this scheme allows for the full emergence of the e-Commerce eco-system.

The benefits of these technologies, as related in the foregoing articles, cannot be ignored for their security benefits. Previously this commentary explored the perplexing issues associate with cyber-security in this internet age. We cannot invite millions of visitors to the Caribbean region and then show disregard for their protections; including information security.

In terms of governance, there is the urgent need for regional coordination of the Caribbean radio spectrum. This regulates mobile phones, Wifi and satellite communications. Again, we cannot invite millions of guests and then exploit them with roaming charges the moment they turned on their smartphones to complete a payment transaction. This issue was also raised and explored in a previous Go Lean blog commentary. This is why the Go Lean roadmap calls for a consolidated Communications and Media Authority, operating under the CU’s Department of Commerce, to lead the oversight of these attendant telecommunication endeavors. The consequences of mis-management in this regards are dire. Soon and very soon, we will have tourists arriving on our shores with no credit cards; armed only with their smartphones; ready to tap unquenchable sums of discretionary monies for their enjoyment of Caribbean hospitality.

Still yet, the greatest benefit of marshaling electronic payments systems is not governance, nor security, nor technology; it is economics.  These electronic payment schemes allow for more M1 in the regional economy; this is the measurement of currency/money in circulation (M0) plus overnight bank deposits. As M1 values increase, there is a dynamic to create money “from thin-air”, called the money multiplier. The more money in the system, the more liquidity for investment and industrial expansion opportunities. Lastly, there will be the additional economic benefit of mitigating Black Market “under-the-table” transactions, as all these electronic transactions must be processed through some clearing house, in the case of the Go Lean roadmap, this will be the role of the CCB, a cooperative of the region’s central banks.

The Go Lean book and accompanying blogs posit that the Caribbean is in crisis, and that this crisis will only worsen without some technocratic efficiency with currency and money supply (M1). The world is moving very fast, embracing one technological advancement after another; we cannot only consume these innovations, we must produce and guide advancements for ourselves:

The Best Way to Predict the Future is to Create it - Photo 1

The book posits that to adapt and thrive in the new global marketplace there must be more strenuous management and technocratic oversight of the region’s currencies, telecommunications (information security & spectrum) and governance. This is the charge of Go Lean roadmap, opening with these pronouncements; Declaration of Interdependence (Page 13 and 14):

xxiv.    Whereas a free market economy can be induced and spurred for continuous progress, the Federation must install the controls to better manage aspects of the economy: jobs, inflation, savings rate, investments and other economic principles. Thereby attracting direct foreign investment because of the stability and vibrancy of our economy.

xxv.    Whereas the legacy of international democracies had been imperiled due to a global financial crisis, the structure of the Federation must allow for financial stability and assurance of the Federation’s institutions. To mandate the economic vibrancy of the region, monetary and fiscal controls and policies must be incorporated as proactive and reactive measures. These measures must address threats against the financial integrity of the Federation and of the member-states.

xxvii. Whereas the region has endured a spectator status during the Industrial Revolution, we cannot stand on the sidelines of this new economy, the Information Revolution. Rather, the Federation must embrace all the tenets of Internet Communications Technology (ICT) to serve as an equalizing element in competition with the rest of the world. The Federation must bridge the digital divide and promote the community ethos that research/development is valuable and must be promoted and incentivized for adoption.

xxviii. Whereas intellectual property can easily traverse national borders, the rights and privileges of intellectual property must be respected at home and abroad. The Federation must install protections to ensure that no abuse of these rights go with impunity, and to ensure that foreign authorities enforce the rights of the intellectual property registered in our region.

xxx. Whereas the effects of globalization can be felt in every aspect of Caribbean life, from the acquisition of food and clothing, to the ubiquity of ICT, the region cannot only consume, it is imperative that our lands also produce and add to the international community, even if doing so requires some sacrifice and subsidy.

“Step One, Day One” in the Go Lean roadmap is the assembly of existing Caribbean organs under the regional administration of the CU. This includes the Caribbean Telecommunications Union (CTU), and the CCB governance; as a cooperative of existing central banks. The strategy is to implement the bank and C$ currency with the appropriate regulatory framework, tools and infrastructure, to facilitates the electronic schemes identified above.

The Go Lean book details a series of community ethos, strategies, tactics, implementations and advocacies to foster the proper controls for electronic/mobile payments in the Caribbean region:

Community Ethos – Economic Principles Page 21
Community Ethos – Money Multiplier Principle Page 22
Community Ethos – Security Principles – Privacy versus Public Protection Page 23
Community Ethos – Governing Principles – Lean Operations Page 24
Community Ethos – Governing Principles – Cooperatives Page 25
Community Ethos – Promote Intellectual Property Page 29
Community Ethos – Ways to Bridge the Digital Divide Page 31
Community Ethos – Ways to Improve Sharing Page 25
Strategy – Mission – Fortify the monetary needs through a Currency Union Page 45
Tactical – Separation of Powers – Central Banking Page 73
Implementation – Assemble Central Bank Cooperative Page 96
Implementation – Assemble Caribbean Regional Organs – like CTU Page 96
Implementation – Ways to Deliver Page 109
Implementation – Ways to Impact Social Media Page 111
Planning – 10 Big Ideas – #2: Currency Union / Single Currency Page 127
Anecdote – Caribbean Currencies Page 149
Advocacy – Ways to Grow the Economy Page 151
Advocacy – Ways to Create Jobs Page 152
Advocacy – Ways to Mitigate Black Markets Page 165
Advocacy – Ways to Foster Cooperatives Page 176
Advocacy – Ways to Impact Cruise Tourism – Smartcard scheme Page 193
Advocacy – Ways to Foster Technology Page 197
Advocacy – Ways to Foster e-Commerce Page 198
Advocacy – Reforms for Banking Regulations – Central Banking Efficiencies Page 199
Advocacy – Ways to Impact Main Street – Downtown Wi-Fi – Time and Place Page 201
Appendix – Assembling the Caribbean Telecommunications Union Page 256

The points of effective, technocratic banking/currency stewardship and dynamic change in the mobile communications space were further elaborated upon in these previous blog/commentaries:

https://goleancaribbean.com/blog/?p=4381 Net Neutrality: It Matters in the Caribbean
https://goleancaribbean.com/blog/?p=4308 Systems for Emergency Telephone Numbers in Crisis; need for Mobile App for Emergencies
https://goleancaribbean.com/blog/?p=3974 Google and Mobile Phones – Here comes Change
https://goleancaribbean.com/blog/?p=3814 Lessons from the Swiss unpegging the franc
https://goleancaribbean.com/blog/?p=3889 RBC EZPay – Ready for Change
https://goleancaribbean.com/blog/?p=3881 The Need for Regional Cooperation to Up Cyber-Security
https://goleancaribbean.com/blog/?p=3617 Bahamas roll-out of VAT leading more to Black Markets
https://goleancaribbean.com/blog/?p=3582 For Canadian Banks: Caribbean is a ‘Bad Bet’
https://goleancaribbean.com/blog/?p=2074 MetroCard – Model for the Caribbean Dollar
https://goleancaribbean.com/blog/?p=1350 PayPal expands payment services to 10 markets
https://goleancaribbean.com/blog/?p=906 Bitcoin virtual currency needs regulatory framework to change image
https://goleancaribbean.com/blog/?p=833 One currency, divergent economies
https://goleancaribbean.com/blog/?p=476 CARICOM urged on ICT, e-Commerce and e-Payments

The Caribbean ought to participate in more mobile smartphone development. There are so many benefits from efficient regional oversight of this technology: more cruise tourism spending, fostering more e-Commerce, increasing regional M1, mitigation of Black Markets, growing the economy, creating jobs, enhancing security and optimizing governance. Mobile smartphones are the future, and that future is now! (We, the Caribbean, have to play catch-up).

Now is the time for all stakeholders of the Caribbean – residents, visitors, bankers and governing institutions – to lean-in for the empowerments described in the book Go Lean … Caribbean. The benefits are many; but most important, the success of the roadmap can make the Caribbean a better place to live, work and play.  🙂

Download Go Lean … Caribbean – now!

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