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<channel>
	<title>Jeremy Duffy - Awareness Advocate &#187; Well Duh!</title>
	<atom:link href="http://www.jeremyduffy.com/category/well-duh/feed" rel="self" type="application/rss+xml" />
	<link>http://www.jeremyduffy.com</link>
	<description>Helping to protect families and their loved ones from manipulation and fraud</description>
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		<title>Schneier Covers Newest Lost Laptop, For TSA CLEAR Program</title>
		<link>http://www.jeremyduffy.com/schneier-covers-newest-lost-laptop-for-tsa-clear-program</link>
		<comments>http://www.jeremyduffy.com/schneier-covers-newest-lost-laptop-for-tsa-clear-program#comments</comments>
		<pubDate>Wed, 06 Aug 2008 12:04:42 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Agencies]]></category>
		<category><![CDATA[Big Brother]]></category>
		<category><![CDATA[Well Duh!]]></category>
		<category><![CDATA[lost laptop]]></category>
		<category><![CDATA[TSA]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/?p=1328</guid>
		<description><![CDATA[The TSA loses a latop with data... blah blah blah... How many times does this have to happen before they figure out...]]></description>
			<content:encoded><![CDATA[<p>The TSA's CLEAR program where people can spend $100 to be "pre-screened" at airports and bypass security had a security hit recently when a <a href="http://www.schneier.com/blog/archives/2008/08/laptop_with_tru.html">laptop (doesn't this get old) with customer data was stolen</a>.</p>
<p>Well gosh, how could they <i>ever</i> have seen that coming?</p>
<p>Anyway, Schneier covers the story and links to the TSA's response as well as taking a moment to denounce the program again along with most of what the TSA is doing for airport security. Since <a href='http://www.jeremyduffy.com/tsa-at-the-cfp-conference'  target=_self>I've met the privacy officer for the TSA</a> and know he knows what he's doing, the only reason I can come up with for this is that they're not listening to him when he's telling them not to put this kind of data on laptops unencrypted.</p>
<div class=padded_box>
Update 8/7/08 &#8211; Looks like <a href="http://www.coderetard.com/2008/08/06/33000-tsa-clear-identities-lost-then-found-again/">they found it</a>.
</div>
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		<title>If You&#8217;re Sad to See Bush Go, Vote McCain!</title>
		<link>http://www.jeremyduffy.com/if-youre-sad-to-see-bush-go-vote-mccain</link>
		<comments>http://www.jeremyduffy.com/if-youre-sad-to-see-bush-go-vote-mccain#comments</comments>
		<pubDate>Thu, 05 Jun 2008 11:47:17 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Bushiness]]></category>
		<category><![CDATA[Utter Failure]]></category>
		<category><![CDATA[Well Duh!]]></category>
		<category><![CDATA[McCain]]></category>
		<category><![CDATA[Stupid]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/?p=997</guid>
		<description><![CDATA[McCain is McSame isn't just a slogan. He is a Bush clone waiting to get to the office to do the same to us as we've seen in the last 8 years...]]></description>
			<content:encoded><![CDATA[<p>McCain is cut from the same cloth as our great friend, <a href='http://www.jeremyduffy.com/top-issues/president-george-w-bush'  target=_self>President George W. Bush</a>. He too would support <a href="http://blog.wired.com/27bstroke6/2008/06/mccain-id-spy-o.html">warrantless wiretaps</a> and telco immunity.</p>
<p>Best of all, he's of the same philosophy that the President can do whatever he damn well pleases during a "time of war" which is funny since we're conveniently in a "War on Terror" that's sure to end as quickly and decisively as the "War on Drugs".</p>
<blockquote><p>The Article II citation is key, since it refers to President Bush's longstanding arguments that the president has nearly unlimited powers during a time of war. The administration's analysis went so far as to say the Fourth Amendment did not apply inside the United States in the fight against terrorism, in one legal opinion from 2001.</p></blockquote>
<p>That would be just great. Yeah&#8230; Let's have a president that continues the vicious downward spiral of American stability, freedom, and public opinion&#8230; Let's do that.</p>
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		<title>Consumers Choose Vista over XP&#8230;. NOT!</title>
		<link>http://www.jeremyduffy.com/consumers-choose-vista-over-xp-not</link>
		<comments>http://www.jeremyduffy.com/consumers-choose-vista-over-xp-not#comments</comments>
		<pubDate>Mon, 07 Jan 2008 16:50:13 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Well Duh!]]></category>
		<category><![CDATA[Ars Technica]]></category>
		<category><![CDATA[Windows Vista]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/consumers-choose-vista-over-xp-not/</guid>
		<description><![CDATA[Ars Technica, usually a good resource for information ran this bonehead article today about how, despite the bad press, consumers are choosing Vista over XP.
Fact: Most (if not all) in-store computers are pre-installed with Windows Vista
Fact: Most standard consumers don't build their own computers
Therefore, if a normal person goes to a store to buy a [...]]]></description>
			<content:encoded><![CDATA[<p>Ars Technica, usually a good resource for information ran this bonehead article today about how, despite the bad press, <a href="http://arstechnica.com/news.ars/post/20080106-despite-problems-consumers-choosing-vista-over-xp.html">consumers are choosing Vista over XP</a>.</p>
<p>Fact: Most (if not all) in-store computers are pre-installed with Windows Vista<br />
Fact: Most standard consumers don't build their own computers</p>
<p>Therefore, if a normal person goes to a store to buy a computer, and all of their options are Windows Vista, Windows Vista, or, gosh maybe I'll take, Windows Vista, it follows that they'll "choose" Windows Vista. <i>Dur</i>&#8230;</p>
<p>Last I checked, lack of options doesn't mean that they made any choice at all. Besides, most normal computer users would automatically assume that the newest version of an operating system is the best option because they normally are. Unless they've studied the news and/or read site like this one, they wouldn't know to steer clear.</p>
<p>So&#8230; My point is that the Ars article says absolutely nothing of value. Even if it were true that people were "choosing" Vista, it wouldn't mean anything.</p>
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		<title>Cardexchange? I Don&#8217;t Think So</title>
		<link>http://www.jeremyduffy.com/cardexchange-i-dont-think-so</link>
		<comments>http://www.jeremyduffy.com/cardexchange-i-dont-think-so#comments</comments>
		<pubDate>Wed, 08 Aug 2007 12:09:27 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Consumer Groups]]></category>
		<category><![CDATA[Well Duh!]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/cardexchange-i-dont-think-so/</guid>
		<description><![CDATA[So there's a new website that allows people to exchange their loyalty cards with strangers so you "defeat" the tracking an profiling that stores do on you. Unless I'm missing something, this is a pretty dumb idea. Here's the e-mail I sent to them:

Why not just ask for an anonymous card? Exchanging means that you'll [...]]]></description>
			<content:encoded><![CDATA[<p>So there's a <a href="http://cardexchange.org/index.html">new website that allows people to exchange their loyalty cards with strangers</a> so you "defeat" the tracking an profiling that stores do on you. Unless I'm missing something, this is a pretty dumb idea. Here's the e-mail I sent to them:</p>
<blockquote><p>
Why not just ask for an anonymous card? Exchanging means that you'll get a bunch of ads for stuff that has no relation to you. What if you exchange with a guy who buys ingredients for a bomb or a meth lab? that might come back on you.</p>
<p>Even if the store won't give you an anonymous card, just use fake data.
</p></blockquote>
<p>If you're curious why store value cards and such are a bad idea, see <a href="http://nocards.org">Nocards.org for details</a>.</p>
<p>(H/T to <a href=http://www.consumerist.com>Consumerist.com</a> for the link)</p>
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		<title>A Blurb About Manhunt 2</title>
		<link>http://www.jeremyduffy.com/a-blurb-about-manhunt-2</link>
		<comments>http://www.jeremyduffy.com/a-blurb-about-manhunt-2#comments</comments>
		<pubDate>Tue, 17 Jul 2007 11:54:22 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[For Families]]></category>
		<category><![CDATA[Gaming]]></category>
		<category><![CDATA[Well Duh!]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/a-blurb-about-manhunt-2/</guid>
		<description><![CDATA[I don't know a lot about this game other than it's very violent and has been banned from the UK. Reading about it doesn't make it any better: 

“In Manhunt 2, players can mutilate their enemies with an axe; saw their skulls in half castrate them with a pair of pliers; or kill them by [...]]]></description>
			<content:encoded><![CDATA[<p>I don't know a lot about this game other than it's <a href="http://www.consumeraffairs.com/news04/2007/07/video_manhunt.html">very violent and has been banned from the UK</a>. Reading about it doesn't make it any better: </p>
<blockquote><p>
“In Manhunt 2, players can mutilate their enemies with an axe; saw their skulls in half castrate them with a pair of pliers; or kill them by bashing their head into an electrical box, where a power surges eventually blows their head apart,?? the letter charges. “On the Nintendo Wii, players will actually act out the violence. One review of the game describes using a saw blade to "cut upward into a foe's groin and buttocks, motioning forward and backward with the Wii remote as you go.??
</p></blockquote>
<p>Wow, you couldn't make it more real if you tried. Parental groups in the US aren't necessarily determined to ban it and would be satisfied with just giving it an Adult rating. While this is a completely reasonable request and, as far as I'm concerned, a blatantly obvious decision, Take-Two (the game's producer) is fighting this for purely monetary reasons:</p>
<blockquote><p>
An Adults Only rating, however, could be a death blow to the game, since Nintendo and Sony, maker of the PlayStation platform, currently have policies that bar AO-rated games for their systems. That would limit sales for use only on personal computers.
</p></blockquote>
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		<title>Criminal Probe at FBI Over Patriot Act Violations</title>
		<link>http://www.jeremyduffy.com/criminal-probe-at-fbi-over-patriot-act-violations</link>
		<comments>http://www.jeremyduffy.com/criminal-probe-at-fbi-over-patriot-act-violations#comments</comments>
		<pubDate>Fri, 13 Jul 2007 10:54:11 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Bushiness]]></category>
		<category><![CDATA[Well Duh!]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/criminal-probe-at-fbi-over-patriot-act-violations/</guid>
		<description><![CDATA[The Patriot Act should never have been passed. We all saw the potential for abuse, but our "trust us" government assured us that it would never happen. Yeah, right.
Now that the inevitible abuses have come to light, it would be nice if someone would face some consequences for a change. Like maybe Alberto Gonzales who [...]]]></description>
			<content:encoded><![CDATA[<p>The Patriot Act should never have been passed. <a href="http://www.epic.org/privacy/terrorism/usapatriot/">We all saw the potential for abuse</a>, but our <a href="http://www.antiwar.com/paul/paul74.html">"trust us" government</a> assured us that it would never happen. Yeah, right.</p>
<p>Now that the <a href='http://www.jeremyduffy.com/fbi-learned-well-from-bush-abuses-secrets-privilege'  target=_self>inevitible abuses have come to light</a>, it would be nice if someone would <a href="http://www.wired.com/politics/law/news/2007/07/exigentinvestigation">face some consequences for a change</a>. Like maybe <a href="http://rawstory.com/news/2007/Gonzales_told_of_FBI_abuses_claimed_0710.html">Alberto Gonzales who lied to congress</a> saying that there were no abuses during the hearing for the reauthorization of the Patriot Act.</p>
<p>(H/T to <a href=http://slashdot.org>Slashdot</a> for the link)</p>
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		<title>AT&amp;T Plans to Filter Copyrighted Files In Transit</title>
		<link>http://www.jeremyduffy.com/att-plans-to-filter-copyrighted-materials-fight-filesharing</link>
		<comments>http://www.jeremyduffy.com/att-plans-to-filter-copyrighted-materials-fight-filesharing#comments</comments>
		<pubDate>Thu, 14 Jun 2007 11:57:43 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Big Business]]></category>
		<category><![CDATA[DRM]]></category>
		<category><![CDATA[Well Duh!]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/att-plans-to-filter-copyrighted-materials-fight-filesharing/</guid>
		<description><![CDATA[AT&#038;T  (a.k.a the evil empire that won't die), is going to start filtering Internet traffic to remove copyrighted material in transit.
Fortunately, there's no chance this will work for long. First there's the SET technology for filesharing that uses generic chunks from files unrelated to copyrighted material to speed up sharing. If this gets implemented, [...]]]></description>
			<content:encoded><![CDATA[<p>AT&#038;T  (a.k.a the <a href="http://www.schneier.com/blog/archives/2006/06/att_rewrites_it.html">evil empire</a> that <a href="http://en.wikipedia.org/wiki/American_Telephone_%26_Telegraph#Break_up.2C_spinoffs_and_restructuring">won't die</a>), is <a href="http://www.latimes.com/business/printedition/la-fi-piracy13jun13,1,402794.story?coll=la-headlines-pe-business&#038;ctrack=1&#038;cset=true">going to start filtering Internet traffic to remove copyrighted material in transit</a>.</p>
<p>Fortunately, there's no chance this will work for long. First there's the <a href='http://www.jeremyduffy.com/p2p-filesharing-speed-increase-with-set'  target=_self>SET technology for filesharing</a> that uses generic chunks from files unrelated to copyrighted material to speed up sharing. If this gets implemented, not only will it improve filesharing speeds and allow people to finish files that have lost their seeders/sources, but it will prevent AT&#038;T from filtering copyrighted material without blocking legitimate shares as well.</p>
<p>Secondly, it won't be long until filesharing networks introduce a quick encryption to packets that scramble them randomly using an IP address so the chunks of data won't be recognized by AT&#038;T filters. I'm sure there are plenty of other techniques as well, but one thing's for certain: even honest non-hackers and non-sharers are still <a href='http://www.jeremyduffy.com/summary-of-file-sharing-and-why-we-root-for-the-hackers'  target=_self>rooting against the copyright holders</a> and AT&#038;T.</p>
<p>I mean, come on! The article says the copyright companies lost billions of dollars due to filesharing? All they're doing is talking about the value of the files they know have been shared without taking into account that many of the people who are downloading these files would never have bought them in the first place! They're not losing money they would have had, they're losing money they never would have had. </p>
<p>As the article itself says, the RIAA and MPAA should just focus their money and resources in finding ways to turn downloaders into honest customers (perhaps cutting prices? Offering slick downloadable options? Removing <b>all</b> DRM so people can do what they want with it?)</p>
<p>(H/T to <a href=http://slashdot.org>Slashdot</a> for the link)</p>
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		<title>Bush Can&#8217;t Hold You Forever Without a Trial</title>
		<link>http://www.jeremyduffy.com/bush-cant-hold-you-forever-without-a-trial</link>
		<comments>http://www.jeremyduffy.com/bush-cant-hold-you-forever-without-a-trial#comments</comments>
		<pubDate>Tue, 12 Jun 2007 17:03:18 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Accountability MIA]]></category>
		<category><![CDATA[Bushiness]]></category>
		<category><![CDATA[Well Duh!]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/bush-cant-hold-you-forever-without-a-trial/</guid>
		<description><![CDATA[One of the scariest developments of the Bush reign was the power to take any citizen, declare them an enemy combatant, and jail them indefinitely with no trial or evidence. That practice has been recently (finally) overturned.
"To sanction such presidential authority to order the military to seize and indefinitely detain civilians . . . would [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.washingtonpost.com/wp-dyn/content/article/2007/06/11/AR2007061101135.html?nav=hcmodule">One of the scariest developments of the Bush reign was the power to take any citizen, declare them an enemy combatant, and jail them indefinitely with no trial or evidence</a>. That practice has been recently (finally) overturned.</p>
<blockquote><p>"To sanction such presidential authority to order the military to seize and indefinitely detain civilians . . . would have disastrous consequences for the constitution &#8212; and the country," U.S. Circuit Judge Diana Gribbon Motz wrote for the majority.</p></blockquote>
<p>Let me say this again, no one cares about terrorists and whether they're held forever, tortured or whatever to protect innocent people. The problem is that Bush has declared that he alone gets to decide who the terrorists are and what laws to follow and which to ignore. </p>
<p>Fortunately, even though congress won't stand up to him, the courts are little by little. Thank the founders for coming up with three branches instead of just two.</p>
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		<title>Gore Attacks Bush in New Book</title>
		<link>http://www.jeremyduffy.com/gore-attacks-bush-in-new-book</link>
		<comments>http://www.jeremyduffy.com/gore-attacks-bush-in-new-book#comments</comments>
		<pubDate>Wed, 23 May 2007 11:14:34 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Bushiness]]></category>
		<category><![CDATA[Good news]]></category>
		<category><![CDATA[Well Duh!]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/gore-attacks-bush-in-new-book/</guid>
		<description><![CDATA[From ABC news:

He doesn't assail any Democrats by name. Bush, however, he names. Over and over.
&#8230;
While Gore stops short of flatly calling for the impeachment of Bush and Vice President Dick Cheney, he certainly gives the impression that in his view such a move would be well deserved. He calls the president a lawbreaker, a [...]]]></description>
			<content:encoded><![CDATA[<p>From <a href="http://abcnews.go.com/print?id=3195676">ABC news</a>:</p>
<blockquote><p>
He doesn't assail any Democrats by name. Bush, however, he names. Over and over.</p>
<p>&#8230;</p>
<p>While Gore stops short of flatly calling for the impeachment of Bush and Vice President Dick Cheney, he certainly gives the impression that in his view such a move would be well deserved. He calls the president a lawbreaker, a liar and a man with the blood of thousands of innocent lives on his hands.
</p></blockquote>
<p>Wow. If Gore had appeared to have this kind of independent thought long ago, the election might have gone differently. I do fault him for being a coward like every other politicican in not calling for impeachment. </p>
<p>How exactly are you being a responsible non-politician if you call him a lawbreaker but don't flat out say he needs to be impeached and NOW?</p>
<p>(H/T to <a href=http://www.digg.com>Digg.com</a> for the link)</p>
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		<title>The Quick-Read Guide to the Credit Card Act of 2007</title>
		<link>http://www.jeremyduffy.com/the-quick-read-guide-to-the-credit-card-act-of-2007</link>
		<comments>http://www.jeremyduffy.com/the-quick-read-guide-to-the-credit-card-act-of-2007#comments</comments>
		<pubDate>Thu, 17 May 2007 16:07:57 +0000</pubDate>
		<dc:creator>Jeremy</dc:creator>
				<category><![CDATA[Congress]]></category>
		<category><![CDATA[Good news]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Well Duh!]]></category>

		<guid isPermaLink="false">http://www.jeremyduffy.com/the-quick-read-guide-to-the-credit-card-act-of-2007/</guid>
		<description><![CDATA[This has promise. Apparently, the Credit Card Act of 2007 will ban some of the less consumer friendly practices of credit card companies.
Here are some of the provisions and what I think they mean:

SEC. 101. PRIOR NOTICE OF RATE INCREASES REQUIRED
Not only do they have to give you advance warning that your rate will increase, [...]]]></description>
			<content:encoded><![CDATA[<p>This has promise. Apparently, the <a href="http://consumerist.com/consumer/politics/support-the-credit-card-act-of-2007-261207.php">Credit Card Act of 2007</a> will ban some of the less consumer friendly practices of credit card companies.</p>
<p>Here are some of the provisions and what I think they mean:</p>
<div class=indent>
<b>SEC. 101. PRIOR NOTICE OF RATE INCREASES REQUIRED</b><br />
Not only do they have to give you advance warning that your rate will increase, but they can only apply the increase to balances that you add <i>after</i> the date of the increase. That means the new rate doesn't apply to your old debt.</p>
<p>Well duh. I can't believe they get away with this now.</p>
<p><b>SEC. 102. FREEZE ON INTEREST RATE TERMS AND FEES ON CANCELED CARDS</b><br />
If the terms, fees, or interest rate is going to change, you can cancel the card and keep the rates and terms from before the change. In other words, you can't be forced into new terms just because you have an outstanding balance.</p>
<p>My friend called me last night (literally) to ask me about this very question. I guess if there's a law in the works to "fix" this, then it's definitely broken now. I told him his only chance was to transfer the balance to a new card and I guess I was right (for now).</p>
<p><b>SEC. 103. LIMITS ON CHARGES OR FEES FOR TIMELY PAYMENTS OR NON-USE</b><br />
You can't be charged a fee for paying more than the minimum balance. You can't be charged for paying the card off. You can't be charged for not using the card.</p>
<p>Holy Guano Batman! There are companies that do this?</p>
<p><b>SEC. 104. PROHIBITION ON OVER-THE-LIMIT FEES FOR CREDITOR-APPROVED TRANSACTIONS</b><br />
You can't be charged a fee for going over your limit when it was a transaction the credit card company approved.</p>
<p>Because they approved you after all.</p>
<p><b>SEC. 105. PROHIBITION ON UNIVERSAL DEFAULTS</b><br />
This limits the ability of the credit company to raise you rates based on your credit score.</p>
<p>This doesn't actually prevent it entirely, but it requires that if they do, they have to make it extremely clear in the agreement before you get the credit.</p>
<p><b>SEC. 201. PAYOFF TIMING DISCLOSURES</b><br />
and<br />
<b>SEC. 202. REQUIREMENTS RELATING TO LATE PAYMENT DEADLINES AND PENALTIES</b></p>
<p>These both have to do with being clear about the timing of your payoff balance and fees. This happened to me where I paid a card off completely only to find they charged the interest just before the payment hit thus leaving me a tiny balance to discover later. Bastids.</p>
<p><b>SEC. 301. EXTENSIONS OF CREDIT TO UNDERAGE CONSUMERS</b><br />
You can't give credit to minors unless there's parental permission, the minor shows the means to pay the debt themselves, and they have a certification of having attended a consumer credit counseling session PRIOR to taking the debt.</p>
<p>This one's a bit of a rub. Minors can already walk away from any debt because you can't enter into a contract with anyone under 18 anyway. I'm not certain that this changes anything other than for minors who don't realize thay can tell the credit company to shove off if that company is stupid enough to give them credit in the first place.
</p></div>
<h3>Summary</h3>
<p>That's most of the really important stuff anyway. <a href="http://consumerist.com/consumer/politics/support-the-credit-card-act-of-2007-261207.php">The Consumerist</a> has a link to an online form that will help you tell your congressmembers to support this so be sure to head over there for it.</p>
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