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Source: http://fguide.org/heathrow-airport-cab-insurance-cover-as-a-present/

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The Most Amazing Highest Resolution Image of Earth Ever [Space]

NASA has released a new Blue Marble image, showing the United States of America. According to them, it's the "most amazing, highest resolution image of Earth ever." Blue Marble 2012 bests the 2010 edition and the original one. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/uUE9GhMfCNk/the-most-amazing-and-stunning-highest-resolution-image-of-earth-ever

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Superbugs spied off the Antarctic coast

Editorial: "Antarctic superbugs should alert people everywhere"

BACTERIA that can resist nearly all antibiotics have been found in Antarctic seawater.

Bj?rn Olsen of Uppsala University in Sweden and colleagues took seawater samples between 10 and 300 metres away from Chile's Antarctic research stations, Bernardo O'Higgins, Arturo Prat and Fildes Bay. A quarter of the samples of Escherichia coli bacteria carried genes that made an enzyme called ESBL, which can destroy penicillin, cephalosporins and related antibiotics (Applied and Environmental Microbiology, DOI: 10.1128/AEM.07320-11).

Bacteria with these genes can be even more dangerous than the better known superbug MRSA. That's because the genes sit on a mobile chunk of DNA that can be acquired by many species of bacteria, increasing the incidence of drug-resistant infections such as the E. coli outbreak last year in Germany.

The type of ESBL they found, called CTX-M, is common in bacteria in people, and the Uppsala study found that concentrations of resistant bacteria were higher close to the sewage outfalls from the stations. Some Antarctic stations started shipping out human faeces for incineration after gut bacteria were found nearby. Chile's research stations have virtually no sewage treatment in place, says Olsen.

Recent work shows the bacteria may hang on to the genes for CTX-M even when no longer exposed to antibiotics, suggesting that superbugs can survive in the wild, with animals acting as a reservoir. Penguins near the Chilean stations have been checked and are free of ESBL, though Olsen is now looking at the area's gulls as he has found ESBL-producing bugs in gulls in France.

"If these genes are in Antarctica, it's an indication of how far this [problem] has gone," he says.

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We love our debit cards, but not our banks

By Allison Linn

The recession served as a wake-up call for many of us to get a better handle on our finances, and for a lot of folks that meant replacing one piece of plastic, the credit card, with another, the debit card.

But now, regulatory changes have made those debit cards less of a cash cow for financial institutions. That?s left many banks scrambling to introduce new fees to make up for that lost money.

The problem: Consumers are dead set against the fees, and they don?t necessarily want to start using their credit cards again, either.

A new report from Javelin Strategy & Research finds that few have sympathy for the banks. In fact, 70 percent of the people surveyed for the report said they think banks are the ones benefiting from the new regulations.

Many expect?the financial institutions to lose billions of dollars in revenue because the new rules limit how much money they can make every time a retailer swipes a debit card.

?Banks are looking kind of like bad guys lately, and I think it has a lot to do with consumers not really understanding what was going on,? said Beth Robertson, director of payments research for Javelin Research, which does research on financial services for financial institutions and others.

The survey of 3,000 people, conducted by Javelin Research in October, also found that about seven in 10 ?respondents are satisfied with their debit cards, which allow you to pay with plastic but draw directly from your bank account.

They don?t want things to change.

If their bank started charging them a fee to use a debit card, 32 percent of consumers would switch to cash rather than pay the fee. Another 26 percent said they?d switch to another bank, while 25 percent would use a credit card instead.

Some would go for an even more arcane form of commerce: 13 percent said they?d use checks instead.

?Because of what?s been happening with the economy (people are) really wanting to control their use of credit,? Robertson said.

Some customers may not be able to use credit cards more because they have lower credit limits than before the recession and credit crunch. Others may have found it easier to keep their spending under control if they use a debit card rather than a credit card, even if they pay the credit card off each month.

And others may find that they just aren?t getting as good of a deal on their credit cards, said Bill Hardekopf, CEO of lowcards.com. His research shows that the average advertised annual percentage rate for a credit card is now 14.05 percent, compared with 11.64 percent when the an earlier set of credit card regulations, known as the CARD Act, was passed in 2009.

That legislation limited how much banks can charge credit card users for things like paying late or going over their limit.

Of course, many big banks already tried to institute a straight, monthly debit card fee, and soon rescinded those plans when faced with broad and fierce consumer outrage.

But experts say that while consumer may have won the monthly debit fee battle, they should be prepared for other, more subtle fees to start sneaking up on them.

Robertson said banks also will try to figure out ways to market the new fees as new customer perks. For example, some may try charging fees for mobile banking, or creating a fee service for expedited online bill payments.

Related story:

Truth about credit cards: They're not always evil?

?

?

{"contentId":"10226603","totalVotes":"2097"}

Do you have less credit card debt than before the recession began

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Source: http://bottomline.msnbc.msn.com/_news/2012/01/25/10226603-we-love-our-debit-cards-but-not-our-banks

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Iran oil embargo: How tough are the EU sanctions?

Europe's Iran oil embargo is unprecedented. But the EU may have left the door open for adjustments that could ease pressure on Tehran.

The European Union's unprecedented sanctions on Iranian oil exports are aimed at seriously punishing Iran over questions about the nature of its nuclear program, delaying military action, and, however likely or unlikely, spurring talks.

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The sanctions, agreed upon yesterday in Brussels but not to be implemented until July, comes with possible unintended consequences ranging from oil market disarray at a time of economic crisis to further brinkmanship by the Islamic Republic. Yet some experts feel that the EU's advertised toughness is less than meets the eye, and that the EU may have quietly kicked the can down the road, or at least left open the door for changes that could decrease pressure on Tehran.

?With delays of six months [to implement the sanctions] it seems a bit of a fudge,? says Paul Stevens of Chatham House, a London think tank, who argues that financial sanctions on Iran?s central bank, part of the EU approach, will have a greater effect. ?I?m not sure that we?ve thought sanctions through. EU policymakers advocate sanctions, but oil people are not as convinced. The variables on sanctions are hard to gauge, and it is unclear if Saudi Arabia or Libya can supply the shortfall.

"Over decades," he argues, "oil sanctions have proven too complicated and they?ve never actually worked.?

Iran internally sells its nuclear program as part of its rise as a great nation, and claims that its ?right for uranium enrichment is nonnegotiable,? as one lawmaker, Ali Aghazadeh, said this week. ?There is no reason for Iran to compromise over its rights. But Iran is open to discussions over concerns about its nuclear program.?

Iran is allowed to enrich uranium as a signatory to the Nuclear Non-Proliferation Treaty (NPT). But the United Nations Security Council has forbid that enrichment until Iran clears up remaining concerns raised by the UN nuclear watchdog, the International Atomic Energy Agency (IAEA).

French Foreign Minister Alain Jupp? said EU nations no longer believe Iran?s assertion that its program is for civilian use, and said that sanctions are an alternative to military action.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/c2f33n7WkR0/Iran-oil-embargo-How-tough-are-the-EU-sanctions

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Administration nominees awaiting next move by GOP (AP)

WASHINGTON ? Senate Republicans are returning to Washington in an angry mood over President Barack Obama's appointments to two key agencies during a year-end break.

More than 70 nominees to judgeships and senior federal agency positions are awaiting the next move from Republicans, who can use Senate rules to block votes on some or all of Obama's picks.

While Republicans return Monday to discuss their next step, recess appointee Richard Cordray is running a new Consumer Financial Protection Bureau, and the National Labor Relations Board ? with three temporary members ? is now at full strength with a Democratic majority.

Obama left more than 70 other nominees in limbo, well aware that Republicans could use Senate rules to block them.

The White House justified the appointments on grounds that Republicans were holding up the nominations to paralyze the two agencies. The consumer protection agency was established under the 2010 Wall Street reform law, which requires the bureau to have a director in order to begin policing financial products such as mortgages, checking accounts, credit cards and payday loans.

The Supreme Court has ruled that the five-member NLRB must have a three-member quorum to issue regulations or decide major cases in union-employer disputes.

Several agencies contacted by The Associated Press, including banking regulators, said they were conducting their normal business despite vacancies at the top. In some cases, nominees are serving in acting capacities.

At full strength, the Federal Deposit Insurance Corp. has five board members. The regulation of failed banks "is unaffected," said spokesman Andrew Gray. "The three-member board has been able to make decisions without a problem." Cordray's appointment gives it a fourth member.

The Comptroller of the Currency, run by an acting chief, has kept up its regular examinations of banks. The Federal Trade Commission, operating with four board members and one vacancy, usually makes decisions unanimously.

The State Department, however, said it's important to U.S. diplomacy to fill the post of assistant secretary for western hemisphere affairs and the ambassadorships to El Salvador and Ecuador.

""We value highly our relationship with our hemispheric partners and consider diplomatic representation at the level of ambassador a top priority. This is especially true of the top diplomat charged with hemispheric relations, the assistant secretary," said William Ostick, a State Department spokesman.

Republicans have pledged retaliation for Obama's recess appointments, but haven't indicated what it might be.

"The Senate will need to take action to check and balance President Obama's blatant attempt to circumvent the Senate and the Constitution, a claim of presidential power that the Bush administration refused to make," said Sen. Charles Grassley, an Iowa Republican who is his party's top member on the Senate Judiciary Committee.

Grassley wouldn't go further, and Senate Republican leader Mitch McConnell of Kentucky hasn't tipped his hand after charging that Obama had "arrogantly circumvented the American people." Before the Senate left for its break in December, McConnell blocked Senate approval of more than 60 pending nominees because Obama wouldn't commit to making no recess appointments.

Republicans have to consider whether their actions, especially any decision to block all nominees, might play into Obama's hands.

Obama has adopted an election-year theme of "we can't wait" for Republicans to act on nominations and major proposals like his latest jobs plan. Republicans have to consider how their argument that the president is violating Constitutional checks and balances plays against Obama's stump speeches characterizing them as obstructionists.

Senate historian Donald Ritchie said the minority party has retaliated in the past for recess appointments by holding up specific nominees. "I'm not aware of any situations where no nominations were accepted," he said. The normal practice is for the two party leaders to negotiate which nominations get votes.

During the break, Republicans forced the Senate to convene for usually less than a minute once every few days to argue that there was no recess and that Obama therefore couldn't bypass the Senate's authority to confirm top officials. The administration said this was a sham, and has released a Justice Department opinion backing up the legality of the appointments.

Obama considers the new Consumer Financial Protection Bureau a signature achievement of his first term. Republicans have been vehemently opposed to the bureau's setup. They argued the agency needed a bipartisan board instead of a director and should have to justify its budget to Congress instead of drawing its funding from the independent Federal Reserve.

Cordray is expected to get several sharp questions from Republicans when he testifies Tuesday before a House Oversight and Government Reform panel.

The NLRB has been a target of Republicans and business groups. Last year, the agency accused Boeing of illegally retaliating against union workers who had struck its plants in Washington state by opening a new production line at its non-union plant in South Carolina. Boeing denied the charge and the case has since been settled, but Republican anger over it and a string of union-friendly decisions from the board last year hasn't abated.

Source: http://us.rd.yahoo.com/dailynews/rss/obama/*http%3A//news.yahoo.com/s/ap/20120123/ap_on_go_co/us_nominations_spat

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Magic mushrooms' effects illuminated in brain imaging studies

ScienceDaily (Jan. 23, 2012) ? Brain scans of people under the influence of the psilocybin, the active ingredient in magic mushrooms, have given scientists the most detailed picture to date of how psychedelic drugs work. The findings of two studies being published in scientific journals this week identify areas of the brain where activity is suppressed by psilocybin and suggest that it helps people to experience memories more vividly.

In the first study, published January 23 in Proceedings of the National Academy of Sciences (PNAS), 30 healthy volunteers had psilocybin infused into their blood while inside magnetic resonance imaging (MRI) scanners, which measure changes in brain activity. The scans showed that activity decreased in "hub" regions of the brain -- areas that are especially well-connected with other areas.

The second study, due to be published online by the British Journal of Psychiatry on January 24, found that psilocybin enhanced volunteers' recollections of personal memories, which the researchers suggest could make it useful as an adjunct to psychotherapy.

Professor David Nutt, from the Department of Medicine at Imperial College London, the senior author of both studies, said: "Psychedelics are thought of as 'mind-expanding' drugs so it has commonly been assumed that they work by increasing brain activity, but surprisingly, we found that psilocybin actually caused activity to decrease in areas that have the densest connections with other areas. These hubs constrain our experience of the world and keep it orderly. We now know that deactivating these regions leads to a state in which the world is experienced as strange."

The intensity of the effects reported by the participants, including visions of geometric patterns, unusual bodily sensations and altered sense of space and time, correlated with a decrease in oxygenation and blood flow in certain parts of the brain.

The function of these areas, the medial prefrontal cortex (mPFC) and the posterior cingulate cortex (PCC), is the subject of debate among neuroscientists, but the PCC is proposed to have a role in consciousness and self-identity. The mPFC is known to be hyperactive in depression, so psilocybin's action on this area could be responsible for some antidepressant effects that have been reported. Similarly, psilocybin reduced blood flow in the hypothalamus, where blood flow is increased during cluster headaches, perhaps explaining why some sufferers have said symptoms improved under psilocybin.

In the British Journal of Psychiatry study 10 volunteers viewed written cues that prompted them to think about memories associated with strong positive emotions while inside the brain scanner. The participants rated their recollections as being more vivid after taking psilocybin compared with a placebo, and with psilocybin there was increased activity in areas of the brain that process vision and other sensory information.

Participants were also asked to rate changes in their emotional wellbeing two weeks after taking the psilocybin and placebo. Their ratings of memory vividness under the drug showed a significant positive correlation with their wellbeing two weeks afterwards. In a previous study of 12 people in 2011, researchers found that people with anxiety who were given a single psilocybin treatment had decreased depression scores six months later.

Dr Robin Carhart-Harris, from the Department of Medicine at Imperial College London, the first author of both papers, said: "Psilocybin was used extensively in psychotherapy in the 1950s, but the biological rationale for its use has not been properly investigated until now. Our findings support the idea that psilocybin facilitates access to personal memories and emotions.

"Previous studies have suggested that psilocybin can improve people's sense of emotional wellbeing and even reduce depression in people with anxiety. This is consistent with our finding that psilocybin decreases mPFC activity, as many effective depression treatments do. The effects need to be investigated further, and ours was only a small study, but we are interested in exploring psilocybin's potential as a therapeutic tool."

The researchers acknowledged that because the participants in this study had volunteered after having previous experience of psychedelics, they may have held prior assumptions about the drugs which could have contributed to the positive memory rating and the reports of improved wellbeing in the follow-up.

Functional MRI measures brain activity indirectly by mapping blood flow or the oxygen levels in the blood. When an area becomes more active, it uses more glucose, but generates energy in rapid chemical reactions that do not use oxygen. Consequently, blood flow increases but oxygen consumption does not, resulting in a higher concentration of oxygen in blood in the local veins.

In the PNAS study, the volunteers were split into two groups, each studied using a different type of fMRI: 15 were scanned using arterial spin labelling (ASL) perfusion fMRI, which measures blood flow, and 15 using blood-oxygen level-dependent (BOLD) fMRI. The two modalities produced similar results, strongly suggesting that the observed effects were genuine.

The studies were carried out with a Home Office licence for storing and handling a schedule 1 drug and were approved by NHS research ethics committees. All the volunteers were mentally and physically healthy and had taken hallucinogenic drugs previously without any adverse response. The research involved scientists from Imperial, the University of Bristol and Cardiff University and was funded by the Beckley Foundation, the Neuropsychoanalysis Foundation, Multidisciplinary Association for Psychedelic Studies, and the Heffter Research Institute.

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The above story is reprinted from materials provided by Imperial College London, via AlphaGalileo.

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Journal References:

1. Robin L. Carhart-Harris, David Erritzoe, Tim Williams, James M. Stone, Laurence J. Reed, Alessandro Colasanti, Robin J. Tyacke, Robert Leech, Andrea L. Malizia, Kevin Murphy, Peter Hobden, John Evans, Amanda Feilding, Richard G. Wise, and David J. Nutt. Neural correlates of the psychedelic state as determined by fMRI studies with psilocybin. Proceedings of the National Academy of Sciences, January 23, 2012 DOI: 10.1073/pnas.1119598109
2. R Carhart-Harris et al. Implications for psychedelic-assisted psychotherapy: a functional magnetic resonance imaging study. British Journal of Psychiatry, 26 January 2012

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/01/120123152043.htm

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