December 2003 - cypherpunks-legacy

Re: Child-Molesting Forger's Chilling Confession!!!1!
by bob＠derwentside.org.uk 17 Dec '03

17 Dec '03

application/www-form-urlencoded

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IP: [FP] Money withheld for national ID cards
by Robert Hettinga 17 Dec '03

17 Dec '03

--- begin forwarded text Delivered-To: ignition-point(a)majordomo.pobox.com From: "ScanThisNews" <mcdonalds(a)airnet.net> To: ignition-point(a)majordomo.pobox.com Subject: IP: [FP] Money withheld for national ID cards Date: Fri, 23 Oct 1998 20:34:02 -0500 Sender: owner-ignition-point(a)majordomo.pobox.com Precedence: list Reply-To: "ScanThisNews" <mcdonalds(a)airnet.net> SCAN THIS NEWS FRIDAY OCTOBER 23, 1998 Money withheld for national ID cards Spending bill provides moratorium on implementation http://www.worldnetdaily.com/exclusiv/981023_money_withheld_nat.shtml Copyright 1998, WorldNetDaily.com http://www.worldnetdaily.com/ By David M. Bresnahan david(a)talkusa.com The recently passed Omnibus Appropriations Bill included funding for $520 billion of spending, but it purposely excluded funds for the national ID card or the medical ID program. A review of the bill, which had over 4,000 pages and is 16 inches thick, revealed that the opponents of the effort to make state driver's licences into a national ID card succeeded in getting a moratorium on the implementation of the law enacted in 1996 by Congress. Both the national ID and the medical ID have already been made law. The moratorium delays implementation from occurring on schedule while repeal legislation is debated by Congress. The national ID became law in 1996 and will go in effect October 1, 2000, unless Congress repeals Section 656 (b) of the Illegal Immigration Reform and Immigrant Responsibility Act. If the law is not changed, every state must meet certain unfunded federal mandates requiring the use of Social Security numbers, fingerprints, DNA, retina scans, and other "biometric" identifying information on all driver's licences. Another federal mandate is the medical ID, which will be a new unique number for every American intended to keep a detailed medical history in a government computer. It will be implemented unless Congress acts to repeal Section 1173 (b) of the Social Security Act. The moratorium was first included in a transportation appropriations bill, but Rep. Lamar Smith, R-TX, convinced Speaker Newt Gingrich, R-GA, to remove it before passage, according to House Transportation Committee sources. Rep. Frank Wolf, R-VA, chairman of the House Appropriations Transportation Subcommittee included the ban in the omnibus bill, according to a committee staff member. However, Smith was reported to be pushing to have that removed as well. Those efforts failed, largely because of thousands of calls placed to Gingrich's office by the public, according to congressional staffers who preferred not to be identified. Patrick Poole of the "Free Congress Foundation," a non-partisan group, sent thousands of e-mails to supporters who then called Gingrich to encourage him to keep the moratorium despite the efforts of Smith. WorldNetDaily.com reported Monday that Smith was trying to remove the ban. "Many of the callers either faxed copies of stories from WorldNetDaily, or they mentioned it when they called," the source said. "There was no way the speaker could support Smith's efforts with that kind of public awareness." The actual language found in the Omnibus Bill states: "National Identifiers: "None of the funds appropriated by this Act may be used to issue a final standard under docket No. NHTSA 98-3945 (relating to section 656(b) of the Illegal Immigration Reform and Responsibility Act of 1996). "National Health Identifiers: None of the funds made available in this Act may be used to promulgate or adopt any final standard under section 1173(b) of the Social Security Act (42 USC 1320-d-2(b)) providing for, or providing for the assignment of, a unique health identifier for an individual (except in an individual's capacity as an employer or a health care provider), until legislation is enacted specifically approving the standard." The moratorium, now in place, will provide needed time for opponents to draft legislation to repeal both the National ID and the Medical ID. The process is expected to bring major debate over the issue. Smith and others have used illegal immigration problems as their primary justification for the need to give every American both identifying numbers. House Majority Leader Dick Armey, R-TX, Rep. Ron Paul, R-TX, and Rep. Bob Barr, R-GA, are reported to be planning repeal legislation next year. None of their offices were able to be reached for comment on the success of the moratorium in the Omnibus Bill. It had been reported previously that all three had urged Gingrich to allow the moratorium to stand. Responsibility for the design and implementation of the cards has been given to the National Highway Traffic Safety Administration of the Department of Transportation. That agency has recently published the proposed "Driver's License/SSN/National Identification Document," which contains the guidelines which must be in force by Oct. 1, 2000. The "Notice of Proposed Rule Making" sets out the standards for each state to follow in the design of "identification documents." The DOT solicited public comments on their plans for implementation of Section 656 (b) of the act earlier this year. The public comment period has just closed and many thousands of letters in opposition were received, according to a spokesman. Five states also expressed opposition to the plan, and only a "small number" of letters supporting the plan were known to the spokesman, who spoke on condition that his name would not be published. The American Association of Motor Vehicle Administrators also wrote to the DOT and recommended repeal of the law, even though they had once been in favor of such legislation. "Over the past 10 years, the AAMVA has vigorously pushed Congress and the various state motor vehicle directors to implement policies to require the submission of social security numbers as a condition for issuance of driver's licenses. This resounding defeat may spell the end of their ill-fated quest," said Scott McDonald, a grass-roots activist who operates the "Fight the Fingerprint" website. He is able to mobilize thousands of activists on a national basis using his e-mail notification system. "There is no satisfactory condition under which Social Security Numbers may be required as a condition for travel," said McDonald. "The victory's definitely not yet won. During these lull periods there's an opportunity for proponents of these issues to let opposition die down and all of a sudden, pop, it goes through without anyone even aware of it. "I don't see how the Department of Transportation could go forth with implementing the regulation with all that strong opposition to it. Even five states wrote letters of strong opposition to requiring Social Security numbers," said McDonald. Although he was in favor of the moratorium, McDonald expressed concerns about the difficulty in getting complete repeal of the law. He said many activists may now regard the issue as being resolved, when the toughest part of the battle is still ahead. "For a year we're safe," said Lisa Dean of the Coalition for Constitutional Liberties, another organization that has been actively campaigning against the provisions of Section 656 (b). She agreed that the toughest part of her organization's challenge is in front of her. Now that a moratorium is in place for a year, Dean expects repeal efforts will also include finding alternative ways to resolve the concerns about illegal immigrants, although no recommendations are in place as yet. ======================================================================= Don't believe anything you read on the Net unless: 1) you can confirm it with another source, and/or 2) it is consistent with what you already know to be true. ======================================================================= Reply to: <fingerprint(a)networkusa.org> ======================================================================= To subscribe to the free Scan This News newsletter, send a message to <majordomo(a)efga.org> and type "subscribe scan" in the BODY. Or, to be removed type "unsubscribe scan" in the message BODY. For additional instructions see www.efga.org/about/maillist.html ----------------------------------------------------------------------- "Scan This News" is Sponsored by S.C.A.N. Host of the "FIGHT THE FINGERPRINT!" web page: www.networkusa.org/fingerprint.shtml ======================================================================= **************************************************** To subscribe or unsubscribe, email: majordomo(a)majordomo.pobox.com with the message: (un)subscribe ignition-point email@address or (un)subscribe ignition-point-digest email@address **************************************************** www.telepath.com/believer **************************************************** --- end forwarded text ----------------- Robert A. Hettinga <mailto: rah(a)philodox.com> Philodox Financial Technology Evangelism <http://www.philodox.com/> 44 Farquhar Street, Boston, MA 02131 USA "... however it may deserve respect for its usefulness and antiquity, [predicting the end of the world] has not been found agreeable to experience." -- Edward Gibbon, 'Decline and Fall of the Roman Empire'

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DBS, Privacy, Money Laundering nonsense.
by Robert Hettinga 17 Dec '03

17 Dec '03

Long-time DCSBers will remember Unicorn's talk on money laundering to us a few years ago... This more recent rant of his on the Digital Bearer Settlement list is about the best articulation of his position that I've seen him write. Cheers, Bob Hettinga --- begin forwarded text From: "Black Unicorn" <unicorn(a)schloss.li> To: <tboyle(a)rosehill.net>, "dbs" <dbs(a)philodox.com> Subject: DBS, Privacy, Money Laundering nonsense. Date: Fri, 13 Nov 1998 22:57:51 -0600 Keywords: dbs MIME-Version: 1.0 X-Priority: 3 (Normal) X-MSMail-Priority: Normal Importance: Normal X-MimeOLE: Produced By Microsoft MimeOLE V4.72.2106.4 Sender: <dbs(a)philodox.com> Precedence: Bulk List-Subscribe: <mailto:requests@philodox.com?subject=subscribe%20dbs> X-Web-Archive: http://www.philodox.com/dbs-archive/ tboyle(a)rosehill.net comments: [...] > But I simply cannot comprehend the breadth of the agreement > on this dbs conference, and depth of conviction, that DBS money > should be designed with the **deliberate objective** of being > untraceable, for purposes of law enforcement or taxation. In the case of some DBS advocates you are overstating the matter. In the case of others, vastly understating it. > I have a lot of respect for you guys' intellect but I think > you're wrong on two fundamental points: > > 1. Rule of law. Money laundering is a critical piece in > organized crime. The democratic countries have banking laws. > Do you think these laws should be followed, or NOT? (Scurrying > of feet as all the DBS readers avoid answering.) Well let's examine this. The view that all democratic countries have banking laws really begs the question. "What are the differences between said laws." I can tell you with solid authority, they are many. I've often repeated this story here and elsewhere. It's all a matter of public record. Set the way-back-machine to just after Reagan has entered office. Ole Ron began to crack down on tax evasion and in particular offshore havens. Taxes would be cut, it was reasoned, but only if loopholes were filled and evaders rooted out. (Those of us old enough to remember might even recall nodding at the sense of it). This policy was particular hard on certain Caribbean nations. This was the time of operation Tradewinds (search for it in the congressional record) and other IRS black projects where the IRS actually violated local law to spy on foreign banks even going so far as to drug guards, steal the briefcases of banking executives, perform unwarranted searches, bribe foreign officials and all manner of nonsense to root out tax evaders which might also be U.S. citizens. For a long while there was a project which opened and Xeroxed all the incoming mail at JFK which appeared to originate from offshore havens. This wasn't in the 50's mind you, but the 80s. It was acts like these which prompted the Swiss to strengthen their banking secrecy during the Second World War. Just another day in the park in the U.S. Just recently this year Mexico nearly indicted several U.S. law officials for breaking Mexican law during the investigation of several Mexican banks. Clearly the practice hasn't abated much in the last 15 years.. (Note also that today all these methods (except for drugging guards maybe) have their legal equivalents in the United States, which is in itself a powerful statement). This continued for some time back when Ron was at the helm until the United States finally began to threaten to revoke the U.S. charters of certain banks it considered uncooperative. At this point a visitor, unannounced, flew into D.C. and literally dropped by the White House with no press coverage or fanfare at all in the late evening. That visitor was Margaret Thatcher and she proceeded to explain to Ron over the course of a few hours that if he kept it up many of the British Protectorates would literally have their economies crippled. Literally overnight the matter was dropped and the offshore centers left to quietly continue their business. So much for democratic countries with universal ideas about banking law, or the rule of "law and order" in banking regulation. This is but one example. So: Rule of Law - means little in the global-political scheme of things Democratic Countries Have Banking Laws - none of which are consistent or consistently applied Money Laundering is a Key Piece of Organized Crime - This begs a definition of Money Laundering. "Concealing the proceeds of a criminal act" sounds legitimate, but consider that it has been held to apply to a store clerk who sold food stamps for cash and deposited the proceeds in his personal (non-anonymous) checking account: Indicted in Federal Court for Money Laundering with a maximum possible term of 35 years. (This is a prosecutorial tactic to get a guilty plea to the basic theft charge). Consider also that third parties often take it on the chin with the wide definition currently applied. Case in point: Ma and Pa travel agency innocently accepts a deposit from notorious attorney of drug dealer. Their entire holding account is seized including the deposits of some 700 other potential travelers. After 7 years of fighting the seizure, the money is finally returned, without interest. (Effectively halfing the value of the funds). The business is ruined, its reputation in tatters. Ma and Pa fight it out in bankruptcy, lose their house, most of their retirement proceeds, etc. In the process this case sets the precedent that any amount of illicit funds ($1) deposited in any size account ($500 million) will render the entire account liable to seizure and permit it to be held in lieu of forfeiture hearings. That can go on for 7 years or so. Money which is "laundered" has its title literally revert to the U.S. Treasury. This means third parties who innocently accept these funds are liable for their return, even if they are passed on in the course of business. Beginning to seem silly? Money laundering is an invented offense. It's definition in the United States has grown so broad so as to be laughable, if not so frightening. Do not think that these are isolated incidents. So, money laundering in its commonly understood sense might be key to organized crime, but what passes for money laundering in the United States has little to do with it. Myth: Money Laundering laws have a serious impact on organized crime. This is increasingly nonsense. The United States spends close to $22,000.00 to seize $1.00 of illicit funds. Money Laundering today is extremely sophisticated and enforcement doesn't catch the drug dealers, it catches professional money launderers. Today if you are a drug lord you drop $30 million in cash with a professional launderer who cuts you a "clean" check for 85% of that figure or so on the spot and takes the risk of laundering the funds on his own. Myth: Money Laundering can be detected accurately and effectively and leads to drug and organized crime convictions. Nonsense. Assume for sake of argument that you could detect 99% of fraudulent transactions with the measures in place (entirely impossible) and that your false positive rate was only 1% (also entirely impossible). SWIFT alone processes $2 trillion per day. That's on the order of $600 trillion per year, just in SWIFT. (Add another $1.3 billion for CHIPS and $989 million for Fedwire daily. Oh, don't forget the foreign exchange markets, oh and NYSE, oh and NASDAQ, oh and international letters of credit, oh and...) The most sinister estimates of the global criminal economy (primarily drug money) run around $400 billion per year. Your false positives will identify $6 trillion in naughty funds that are actually pure just in SWIFT. Your correct hits will identify $396 billion in naughty funds in all systems worldwide. In this example you will have 15 times as many false hits as correct hits ignoring the lionshare of world financial systems. This is under the very best of circumstances. It's a losing game.. It's a game only the mathematically challenged or politically motivated will play. In fact, money laundering is a tack on offense that is brought to bear after an arrest on other charges has been made. The number of cases that originate with a money laundering investigation is vanishingly small. The payment system today eats up over 1.5% of the GNP primarily because of nonsense regulations like CTR's and other transaction reporting requirements which can cost up to $15 per transaction and (as we see above) have little if any effect on professional money laundering. Given these numbers the degree of "fraud" in the world financial system is far better than in the credit card system, which has pretty much reached equilibrium. (Fraud accounts for about 5% of credit card costs. Customer service accounts for about 15%). > There is a certain logic in the notion of having a legislative > process and laws. Our laws in the U.S. weren't written by > angels up in heaven, but they are better than some other places. In the case of money laundering regulation I should say almost _no_ other places. > If DBS participants advocate that money laundering laws are > not to be followed, I'm sorry but YOU GUYS have the burden > of logically arguing your position. So shut up and quit > raggin' on *me* about it. I would just like to see them applied with rationality. It's fairly clear that that's too much to ask of the United States. Interestingly enough it's typically multi-party systems of government that have a balanced approach to money laundering. Perhaps this is because grandstanding with things like "the war on drugs" isn't as effective outside of a two party system. Sheds new light on your comment about democracies and banking regulations. Some jurisdictions get along quite well without the nonsense perpetrated in the United States. Like Switzerland. Switzerland has one of the nicest things in a cash economy I have seen. A freely circulated 1000CHF note. It's worth about $750. (The United States phased out $500 bills long ago to deal with laundering). In Switzerland you can drop a 1000CHF note at a restaurant and no one bats an eye. In the U.S. you cant take a cab home from the International Terminal unless you have something smaller than a $50. Somehow Switzerland has manage to survive without looting in the streets and rampant crime. Luxembourg is in a similar situation. I tried to purchase a car some years ago outside of D.C. with cash. Completely legitimate transaction. No interest nonsense for me to worry about. No waiting for the car while the check clears. Simple. Right? The dealership called the police, convinced they were striking a blow against drug dealers. It's really gone too far. > 2. Practicality. Without at least a fig leaf of cooperation > with banking authorities and other police, DBS will not be > permitted. Transactions denominated in DBS won't be enforceable > in courts, and fraud won't be a crime. Reporting fraud in DBS > deal would be like reporting a fraud in purchase of heroin. Practicality? Of course any student of political science will understand that where government enforcement of contracts fails or falls short, organized crime tends to move in. Reporting fraud in the purchase of heroin to the right enforcement cartel tends to be much more effective in rendering results than U.S. courts I'd wager. Clearly, the United States would not benefit by forcing DBS underground. Several jurisdictions will permit DBS and enforce it. (I'm involved in the legislative process for one such law in a European jurisdiction now). If you believe that DBS should be outlawed then you must agree that cash should be outlawed. There is effectively no difference but velocity. > The principal reason for failure of electronic money, other > than cards used in physical establishments, is you can't trust > the seller to send you the goods. That's why everybody is > using credit cards, and bearing the 2-3% charge for "insurance". > > You guys seem to think untraceable DBS will be accepted, if > only a good enough encryption algorithm can be found???? 1% of the GNP. Instant 1% growth for changing a system of clearing. Think about that for awhile. > I think your ideas have a fatal, logical weakness. Without > any practical means to verify who got your money, or even > a legal *right* to enforce a contract, what good is dbs? > It's not even money. It's more like a coupon or something. What you are missing is that all your arguments apply equally to cash. Why is cash used if this is so? Prove to me that you just gave me six $100 bills. You are, "without any practical means to verify who got your money or even a legal *right* to enforce a contract" if the transaction is larger than $500. If only we could be rid of this pesky cash would could eliminate organized crime forever. --- end forwarded text ----------------- Robert A. Hettinga <mailto: rah(a)philodox.com> Philodox Financial Technology Evangelism <http://www.philodox.com/> 44 Farquhar Street, Boston, MA 02131 USA "... however it may deserve respect for its usefulness and antiquity, [predicting the end of the world] has not been found agreeable to experience." -- Edward Gibbon, 'Decline and Fall of the Roman Empire'

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Re: DBS, Privacy, Money Laundering nonsense.
by Robert Hettinga 17 Dec '03

17 Dec '03

--- begin forwarded text Date: Sat, 14 Nov 1998 15:55:00 -0400 To: tboyle(a)rosehill.net Cc: dbs(a)philodox.com Subject: Re: DBS, Privacy, Money Laundering nonsense. Mime-Version: 1.0 From: Ryan Lackey <ryan(a)venona.com> Sender: <dbs(a)philodox.com> Precedence: Bulk List-Subscribe: <mailto:requests@philodox.com?subject=subscribe%20dbs> X-Web-Archive: http://www.philodox.com/dbs-archive/ Also Sprach Todd Boyle (tboyle(a)rosehill.net) > > * If thieves could hide the money they stole, there would be substantial > increase in frequency and severity of theft; I think this is definitely true. Particularly if it is *easy* to hide the money stolen, as criminals may be expert in a particular field of crime that is *not* financial -- it's already easy for a white-collar criminal to hide money, using the same skills used in white-collar crimes of other sorts, but not so easy for an armed robber. > * Reducing trackability of money increases the severity and frequency > of collusive crimes. Reducing trackability and improving the velocity of money *does* do this, but it's a side effect of the more important (and wider spread) effect of useful forms of money: increasing the severity and frequency of all kinds of collusion and cooperation! This is what money is for -- exchange. That criminal exchange uses DBS is just saying that criminal exchange is a form of exchange. > > In mean time, managing the out-of-control government sector is your civic > duty, to your less intelligent wives, Heh...I'd be afraid of saying this if I were married or ever planning to be :) On an archived list, no less... :) > > You need a coherent argument on this problem. You need measures within > the DBS technology itself, to address the need. Opponents of DBS will > raise all these demagogic arguments. You'll be hooted off the podium. This technology is layered (ooh, bad word to use in relation to money and payment systems :). I think you will agree with me that the correct place for financial restraints (particularly voluntary ones, for auditing purposes, which IMO are the most important -- it allows you to say you are doing something, specify how it can be measured, and then have it measured, rather than just having some vague after-the-fact threat of enforcement if they catch you) on digital token money is not at the following layers: * Sub-atomic layer * Atomic layer * Hardware layer * Network connection layer and you seem to be making the case that it doesn't belong at the human/legal layer. However, there are two layers in the middle: * application (core DBS protocols, etc.) and * presentation (graphical clients, etc.) I believe the correct place for any voluntary restraints on DBS money is not at the DBS protocol layer, but at a higher level. This can be built into the clients people choose to use for managing their money, generate auditing reports, etc. This provides people with the freedom to use clients tailored to their legal requirements -- a corporation's internal financial system should be far more complicated and constrained than my personal wallet -- and makes it relatively easy for everything to interoperate. You can even design things at the levels higher than the DBS level to escrow parts of coins with third parties, this requiring their participation or approval for any transaction -- sort of a "registered DBS system". If you believe taxes are a worthwhile thing, a government could mandage the use of such a system where the IRS was a party to each and every transaction. This would work perfectly well technically, and would not compromise the integrity of the protocols -- it's just a business decision on the part of an issuer of electronic cash. It's easy to see how this could work with insurance schemes, split control of coins, etc. --- end forwarded text ----------------- Robert A. Hettinga <mailto: rah(a)philodox.com> Philodox Financial Technology Evangelism <http://www.philodox.com/> 44 Farquhar Street, Boston, MA 02131 USA "... however it may deserve respect for its usefulness and antiquity, [predicting the end of the world] has not been found agreeable to experience." -- Edward Gibbon, 'Decline and Fall of the Roman Empire'

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Privacy and the internet
by Jason Burton 17 Dec '03

17 Dec '03

Does anyone know what I should do if someone was posting sensitive information on a website? And what if the webmaster of the domain doesnt respond to the request for removal of information. IS there something that say's what is and isn't able to be published "personal information" on the internet. If someone can reply I'd appreciate it. Seeking council. Jason Burton - Starloop Security security(a)starloop.com

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Will Price (NAI employee) on KRA
by Adam Back 17 Dec '03

17 Dec '03

This comment on NAI's KRA(P) membership by Will Price <wprice(a)pgp.com>, a crypto type who works for PGP was forwarded to the ukcrypto list by Ian Goodyer (uk-crypto list admin). Not sure where it was posted originally, or perhaps Will asked Ian to forwarded it. Adam ------- Start of forwarded message ------- Date: Sat, 14 Nov 1998 11:43:07 +0000 To: ukcrypto(a)maillist.ox.ac.uk From: "Ian D. Goodyer" <goodyer(a)well.ox.ac.uk> Subject: Re: Escrow - news Here is a response from Will Price who was formally from PGP inc and now of course is with NAI. ian -----BEGIN PGP SIGNED MESSAGE----- Hash: SHA1 I've commented about this on this list before I believe. This appears to be a case of really old news suddenly being dredged up for no apparent wholesome reason -- which strikes me as quite odd because Wired was apparently so eager to break this ancient story that they didn't wait to ask anyone from NAI about it. NAI being listed on the KRA page is *solely* a result of our TIS acquisition. I really doubt anyone here actually called some KRA person and officially renewed our membership. Frankly, I doubt anyone here actually knows who to talk to there -- if there even is a "there". As I have said before, due to the TIS acquisition, NAI now has a bunch of products which contain key escrow features. Eliminating or modifying these features such that they work in a less big brother-like fashion will take significant time -- indeed entire TIS products were based around managing key escrow infrastructures. Don't get me wrong, TIS had a lot of other great products, but it will take time to redesign and rethink some of them in the context of export and key escrow. I'm not sure there's much point in withdrawing from KRA when those products still exist. These issues have no effect whatsoever on the PGP group. As always, we continue to publish full source code which effectively solves all the export issues for us. Robert Guerra wrote: > I just picked this up from another mailing list that I am on. Perhaps the > folks at NAI can clarify things? > > - ---------- Forwarded message ---------- > Date: Fri, 13 Nov 1998 10:55:06 +0000 > From: Ross Anderson <Ross.Anderson(a)cl.cam.ac.uk> > Reply-To: ukcrypto(a)maillist.ox.ac.uk > To: ukcrypto(a)maillist.ox.ac.uk > Subject: Escrow - news > > (1) Network Associates has quietly rejoined the Key Recovery Alliance > - - see http://www.kra.org. - -- Will -----BEGIN PGP SIGNATURE----- Version: PGP 6.0.2 iQA/AwUBNkySo6y7FkvPc+xMEQIuygCfYosXGISVrKd4dYWwM8xOrVdd4WAAn3dT XvDG6FMapZpjmvjucF67fwM5 =xa+R -----END PGP SIGNATURE----- Will Price, Architect/Sr. Mgr., PGP Client Products Total Network Security Division Network Associates, Inc. Direct (408)346-5906 Cell/VM (650)533-0399 <pgpfone://cast.cyphers.net> PGPkey: <http://pgpkeys.mit.edu:11371/pks/lookup?op=get&search=0xCF73EC4C> ------- End of forwarded message -------

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Privacy and the internet (fwd)
by Jim Choate 17 Dec '03

17 Dec '03

Forwarded message: > Date: Sat, 14 Nov 1998 04:46:03 -0500 > From: Jason Burton <talon(a)who.net> > Subject: Privacy and the internet > > Seeking council. > That's exactly what you should do, get a lawyer. ____________________________________________________________________ Lawyers ask the wrong questions when they don't want the right answers. Scully (X-Files) The Armadillo Group ,::////;::-. James Choate Austin, Tx /:'///// ``::>/|/ ravage(a)ssz.com www.ssz.com .', |||| `/( e\ 512-451-7087 -====~~mm-'`-```-mm --'- --------------------------------------------------------------------

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17 Dec '03

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Welcome to the Risk Professionals Discussion Area!
by garp＠chadmarc.com 17 Dec '03

17 Dec '03

Thank you for participating in our conferencing system, John. Please save this message. It contains important information, such as your login name and password (see below). Our web conferencing offers online Help for all major features. If you have questions about a feature, look for the help button on the menubar. Here is your login information. Be sure to keep it somewhere safe! Your Login Name: cypherpunks Your Password: cypherpunks You can change your password, email address, and other items by selecting "Profiles" from the "More" button on the menubar. Please be sure to come back and visit us at: http://chat.bccg.com:8080/~GARP We hope you enjoy participating in our conferences! Sincerely, garp(a)chadmarc.com

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Re: DBS, Privacy, Money Laundering nonsense.
by Robert Hettinga 17 Dec '03

17 Dec '03

--- begin forwarded text From: "Michael Alexander" <mfa(a)alpha.univie.ac.at> To: <dcsb(a)ai.mit.edu> Subject: Re: DBS, Privacy, Money Laundering nonsense. Date: Sat, 14 Nov 1998 20:52:53 +0100 MIME-Version: 1.0 X-Priority: 3 X-MSMail-Priority: Normal X-MimeOLE: Produced By Microsoft MimeOLE V5.00.0810.800 Sender: bounce-dcsb(a)ai.mit.edu Precedence: bulk Reply-To: "Michael Alexander" <mfa(a)alpha.univie.ac.at> >From: "Black Unicorn" <unicorn(a)schloss.li> > That's on the order of $600 >trillion per year, just in SWIFT. (Add another $1.3 billion for CHIPS and >$989 million for Fedwire daily. Oh, don't forget the foreign exchange as a minor correction, SWIFT 's main service is to exchange payment messages to feed into e.g. Fedwire or CHIPS so that would be double counting >The payment system today eats up over 1.5% of the GNP primarily because of >nonsense regulations like CTR's and other transaction reporting ... >1% of the GNP. Instant 1% growth for changing a system of clearing. Think >about that for awhile. slowly on that: payment systems costs represent what economists call 'specific taxes' that is they inflict deadweight losses on the economy. More efficient payment instruments such as some being based on bearer certificates would per se lower GDP but lead to higher demand in theory. Its effect would be as instant as a cut in other broad ones such as income or capital gains that is it involves lag. On the actual percentage of payment systems costs as % of GDP my estimates are way higher. By simply taking clearing float days of the major retail, business and interbank instruments, the figure is more like >2% with current (low) interest for the U.S. and even higher for Europe. This does not take into account that a more efficient payment system with a higher money velocity would lower the demand for transaction money among other effects. Michael For help on using this list (especially unsubscribing), send a message to "dcsb-request(a)ai.mit.edu" with one line of text: "help". --- end forwarded text ----------------- Robert A. Hettinga <mailto: rah(a)philodox.com> Philodox Financial Technology Evangelism <http://www.philodox.com/> 44 Farquhar Street, Boston, MA 02131 USA "... however it may deserve respect for its usefulness and antiquity, [predicting the end of the world] has not been found agreeable to experience." -- Edward Gibbon, 'Decline and Fall of the Roman Empire'

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