Category Archives: Speculator Sector Financial & Stocks

SoftBank Group to take majority stake in Line’s mobile unit

Thanks;Sam Nussey

Published;JANUARY 30, 2018 / 7:05 PM / UPDATED 20 HOURS AGO


TOKYO (Reuters) – Line Corp said on Wednesday that it had entered an agreement with SoftBank Group Corp to give the telecoms and technology firm a majority stake in Line’s mobile unit.

Line said SoftBank would hold a 51 percent stake in the mobile business after the issuance of new shares, with Line holding the remaining 49 percent.

Japan’s Line to launch cryptocurrency exchange amid hacking fears/THANKS..Thomas Wilson

Line said in a statement on Wednesday that it has applied to Japan’s financial regulator to operate an exchange, with the application under review.

Japan’s Financial Services Agency, which oversees registrations of new exchanges, said on Monday it would investigate all cryptocurrency exchanges in Japan for security gaps after the hack at the Coincheck exchange.

The theft on Friday of 58 billion yen ($532.84 million) of NEM coins from Coincheck has highlighted the security vulnerabilities in trading an asset that global policymakers are struggling to regulate.

It has also drawn into focus Japan’s approach to regulating cryptocurrency exchanges. Last year, it became the first country to regulate exchanges at the national level – a move that, at the time, won praise from cryptocurrency traders and exchange operators for boosting innovation while protecting consumers.

“We should be aware of the need to balance between communicating, to beginners or inexperienced users, the value of these financial products and the risks they entail,” a Line spokeswoman said.

The FSA has registered 16 cryptocurrency exchanges so far, with another 16 awaiting clearance as they continue to operate.

Cryptocurrency trading in Japan has spiked in the last year, with the country’s army of retail investors emerging as a major force in bitcoin’s spectacular rally.

The country’s global share of the bitcoin market has jumped after clampdowns by authorities in China and South Korea, presenting the prospect of lucrative business for cryptocurrency exchanges.

Shares of Line, which is controlled by South Korea’s Naver Corp, jumped 4 percent by early afternoon, against a 0.25 percent gain for the benchmark Nikkei average.

Line said it will start trading cryptocurrencies through “Line Financial”, a new company that will also provide loans and insurance via its Line messaging app. Line currently provides money transfer and payment services to 40 million users through its app.

The app, known for electronic stickers of a brown bear and his rabbit girlfriend, is ubiquitous in Japan, Line also has a strong presence in Taiwan, Thailand and Indonesia.

Line went public in the largest tech initial public offering of 2016. After initially struggling to maintain investor enthusiasm, strong sales of advertising space on its messaging app have seen its stock gain almost 60 percent from its IPO price.

($1 = 108.8500 yen)



American banks continue to phase out free checking accounts

Thanks;Maria LaMagna

Published;Jan 23, 2018 12:55 a.m. ET

Bank of America has shut down one of its checking accounts, used by some low-income consumers

Bank of America has eliminated one of its checking accounts.

Bad news for low-income consumers: There’s now one fewer place where you can store your cash for free.

Bank of America BAC, +0.69%has gotten rid of a free checking account called eBanking, The Wall Street Journal reported. More than 45,000 people have signed an online petition protesting its elimination, on

Instead, the account holders will be charged a $12 monthly fee if they don’t have at least a $250 direct deposit that month, or a daily account balance of $1,500 or more. The eBanking accounts debuted in 2010 and offered an affordable alternative to consumers without a lot of cash.

Bank of America, the second-largest U.S. bank by assets behind J.P. Morgan Chase JPM, +1.17% has not allowed customers to open that account since 2013, a bank spokeswoman said. And it was free only if consumers used online services exclusively. Since 2014, it’s offered “SafeBalance,” which costs a flat fee of $4.95 per month and does not allow overdrafts.

Many low-income Americans were already having trouble finding places to keep their money. Approximately 10 million U.S. families don’t use a bank at all. One reason: Monthly maintenance fees triggered by low bank balances, a fear of overdraft fees and a general distrust in banks.

When consumers don’t use a bank, they often end up paying more for individual services that banks provide for free, such as check cashing, said Thaddeus King, an officer of the consumer finance division at Pew Charitable Trusts, a Philadelphia-based nonprofit.

Free checking accounts are rare in areas where low-income consumers need them the most, according to a 2017 analysis by Moebs Services, a firm that researches financial services companies.

Consumers should shop around for low-cost banking options that work for them, said Kimberly Palmer, a credit card and banking expert at the personal finance company NerdWallet.

AmazonAMZN, +2.53%   and Wal-MartWMT, +0.82%   have also created their own financial services programs to cater to customers who don’t use banks. U.S. Bank USB, +1.42%   offers a low-cost checking account. Like Bank of America, it requires a $1,500 minimum balance or monthly direct deposits of $1,000 or more. It also charges $2.50 for out-of-network ATM fees.

Consumers should make sure the institution they choose is insured by the Federal Deposit Insurance Corporation (FDIC), Palmer said. They should also be sure they know in advance how to access their money, whether that’s through an ATM fee reimbursement program, or with a debit card, she said.

Chinese FM calls for further cooperation between China, Latin American and Caribbean states

Thanks;  Pengying/Xinhua

Published;2018-01-23 13:31:36

SANTIAGO, Jan. 22 (Xinhua) — Chinese Foreign Minister Wang Yi on Monday hailed the achievements made in the cooperation between China and Latin American and the Caribbean (LAC) countries in the past three years and called on relevant countries to keep the momentum.

Wang was attending the second ministerial meeting under the framework of China and the Community of Latin American and Caribbean States (CELAC) Forum. The inaugural meeting of the mechanism was convened in Beijing in January 2015.

In his speech, Wang read a congratulatory letter from Chinese President Xi Jinping, who spoke highly of the development of the China-CELAC Forum in the three years following its inception and proposed that the China-LAC partnership be led by joint efforts to implement the Belt and Road Initiative.

Wang said Xi’s letter reflected China’s sincere willingness to advance cooperation with countries in the region to realize common development.

Cooperation under the China-CELAC Forum, Wang noted, has achieved fruitful results thanks to both sides sticking to the principles of mutual respect and equal treatment, as well as their consistent commitment to jointly seeking cooperation and development.

Wang said the mechanism achieved early harvests in 13 key projects in the past three years covering such areas as trade, finance and energy, adding that China has been steadfastly implementing a package of financing arrangements for its partners.

In addition, Wang said the social foundation for the China-LAC partnership has been further consolidated, with China delivering its promises by granting government-sponsored scholarships to students from LAC countries, organizing personnel training and promoting exchanges among political parties.

Exchange programs between the two sides have also benefited young scientists and people in the media industry, according to the foreign minister, who further pointed out that the ministerial-level dialogues, the national coordinators’ meetings, as well as the 17 rounds of forums covering a broad spectrum of areas have built the mechanism into an institutialized one.

As the partnership sails toward the next phase, the foreign minister suggested that China and the LAC countries seize the opportunity of jointly building the Belt and Road, promote cooperation under what is known as the “1+3+6” framework, and strive for an upgrading and innovative development of China-LAC cooperation.

In July 2014, Xi laid out the “1+3+6” cooperation framework in his keynote speech at a China-LAC summit held in Brasilia, Brazil.

The “1” refers to the China-LAC Countries Cooperation Plan 2015-2019 by which specific cooperation projects should be guided. The “3” identifies three driving forces for cooperation, namely trade, investment and finance. The “6” prioritizes six fields of cooperation, including energy and resources, infrastructure construction, agriculture, manufacturing, scientific and technological innovation, as well as information technology.

Specifically, Wang made a four-point suggestion, saying China and the LAC countries should jointly build “grand connectivity” covering both sea and land, cultivate “grand markets” that are open and reciprocal, create “grand industries” featuring advanced and independent technologies, and launch “grand communication” based on equality and mutual trust.

The foreign minister called on the two sides to make Monday’s meeting a fresh starting point for a new phase of China-LAC partnership characterized by expanded cooperation, more favorable structures, a stronger driving force and better qualities.

Officials representing LAC countries at the meeting lauded the cooperation outcomes in the past three years and the active role the China-CELAC Forum played during the process.

They unanimously agreed that the Belt and Road Initiative has provided their countries with ample development opportunities. They expressed the hope that by learning from China’s experience and joining the Belt and Road Initiative, the LAC countries will achieve common development with China.

80 Percent of the Total Bitcoin Supply Have Now Been Mined

Thanks; Jamie Redman

Published; January,15

This weekend marks a milestone for bitcoin as 80 percent of the currency has now been mined into circulation, this means there’s only 20 percent left to mine. Satoshi Nakamoto’s protocol was one of the first to introduce digital scarcity and soon enough the digital asset will become even harder to obtain.

This weekend marks a milestone for bitcoin as 80 percent of the currency has now been mined into circulation, this means there’s only 20 percent left to mine. Satoshi Nakamoto’s protocol was one of the first to introduce digital scarcity and soon enough the digital asset will become even harder to obtain.

Solving the General’s Problem

This has given individuals reason to believe that Satoshi solved one of the hardest computational equations, the Byzantine General’s problem, a security flaw that had plagued computer scientists for decades. Essentially the problem exists with distributed networks as the issue brings certain faults or security flaws making it easy to attack. This, in turn, makes it hard for protocols to prove something because there is an unsolvability proof within the network.

With Satoshi’s Proof-of-Work in the original bitcoin protocol, the economic measure makes it difficult to attack by making threats to the network costly, and time-consuming. For the first time ever in the world of digital computing, Satoshi introduced an asset that couldn’t be copied or double spent. And at the same time, he limited the supply which also introduced digital scarcity like no other technology before it.

Digital Scarcity and the Next Halving

Because there are only 21 million bitcoins the cryptocurrency’s limited availability make the asset harder to acquire the more scarce it becomes. In most cases when an asset is limited and resources are harder to come by, the supply causes demand for the market. The supply of bitcoin shows a significant gap between how many there are and those who want to obtain some. A great majority of bitcoiners believe digital scarcity will make bitcoin more valuable over time, and with 16.8Mn mined so far it will get harder.

In addition to the difficulty in accessibility miners themselves are going to have to up their processing power constantly. In two years or less depending on hashrate speed, the next miner reward halving is approaching. This means instead of miners getting 12.5 BTC for every block they mine they will get 6.25 BTC in two years time. This network consensus agreement of a halving every four years will make bitcoins more difficult to obtain even for the large warehouses all over the world filled with data processors. Every one of them and ASIC technology itself will have to progress for mining operations to continue profiting. Of course, the price per bitcoin should also be higher than the cost to mine the currency as well.

Unlike Ripple’s 100 Billion There Will Only Be 21 Million Bitcoins

Another thing to consider while observing the vast blockchain environment is that Satoshi’s creation unlike the 1,300 other cryptocurrencies in existence has only 21 million. Other digital currencies have billions already in circulation and billions more to come using other less tested consensus mechanisms like Proof-of-Stake. So in essence bitcoin’s inventor created something unique and different than the digital goods we all swap today. Unlike your MP3s or digital movies, bitcoins cannot be copied, and this weekend 16.8 million of them have been mined, hoarded and a large number of them have been lost. To many cryptocurrency investors, this makes Satoshi’s invention a very valuable digital asset, unlike anything the world has ever seen.

What do you think about 80 percent of the bitcoins being mined into existence this weekend? Let us know what you think in the comments below.

237 companies worth $6.3 trillion in market cap now backing climate-risk disclosures

Thanks;Ciara Linnane

Published: Dec 12, 2017 3:22 p.m. ET

Task force seeking voluntary climate disclosure has more than doubled its support base since June

The Atlantic hurricane season broke records in 2017.

The Task Force on Climate-related Financial Disclosures (TCFD) now has 237 companies with a combined market capitalization of more than $6.3 trillion that have publicly committed to its goals, according to its head, Michael Bloomberg, the former New York mayor and entrepreneur.

The TCFD was established by the group of global regulators known as the Financial Stability Board, chaired by Bank of England Gov. Mark Carney, and published its recommendations in June with the aim of encouraging companies to help investors understand the risks to their investments from temperature change, rising sea levels and natural disasters.

The companies that have signed up include more than 150 financial firms with assets of more than $81.7 trillion, the TCFD said in a statement released at the One Planet Summit hosted by French President Emmanuel Macron. The summit marks the two-year anniversary of the Paris Climate agreement, which seeks to limit the global temperature rise to below 2 degrees Celsius by reducing greenhouse emissions. President Donald Trump has pledged to pull the U.S. from the Paris Agreement, dismaying climate activists but spurring a greater effort from the private sector to push through its goals without government help. Insurers have said anything higher than a 2 degree-temperature increase would make the world uninsurable.

In case you missed it: U.S. health insurers are in a state of denial about climate change

The companies span a broad range of industries and sectors, from construction to consumer goods, energy, metals and mining, as well as the full capital and investment chain, from companies that issue debt and equity to the largest credit rating agencies and stock exchanges. The list includes Bank of America Corp. BAC, +1.31% , BlackRock Inc. BLK, +1.09% , Citigroup Inc. C, +0.40% JPMorgan Chase & Co. JPM, +1.16% , Morgan Stanley MS, +2.05% and investors including the New York City Employees’ Retirement System, among others.

“Climate change poses both economic risks and opportunities,” said Bloomberg. “But right now, companies don’t have the data they need to accurately measure the risks and evaluate the opportunities. That prevents them from taking protective measures and identifying sustainable investments that could have strong returns.”

Read now: In Trump era it’s up to companies to push climate agenda, advocates say

The movement won a victory late Monday, when energy giant Exxon Mobil Corp.XOM, -0.33% said it would disclose details on how climate change may affect its business, bowing to pressure from shareholders who voted 62% in favor of a resolution on climate change at its annual shareholder meeting this year.

Companies are expected to start making the first disclosures in the coming year and the TCFD will report on their progress this time next year at the G-20 summit in Argentina, said Carney.

The task force is also planning to launch a web-based platform to further support companies that are interested in implementing its recommendations. The TCFD Knowledge Hub will go live in the first quarter and be available via

The S&P 500 SPX, +0.15% has gained 19% in 2017, while the Dow Jones Industrial Average DJIA, +0.49% has gained 24%.

Read now: Axa to spend €1.2 billion to fight climate change

China releases guideline for industrial Internet development


Published;2017-11-27 22:57:30|

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BEIJING, Nov. 27 (Xinhua) — China’s cabinet has unveiled a guideline for developing the “industrial Internet,” integration of industry and the Internet.

By 2025, industrial Internet infrastructure covering all regions and sectors should be basically complete, according to the State Council guideline.

By 2035, China will lead the world in key sectors of the industrial Internet.

By the middle of the century, China should be among the top countries in terms of the overall strength of its industrial Internet.

The development of industrial Internet is a must for China’s manufacturing sector amid international competition, said Chen Zhaoxiong, vice minister of industry and information technology.

The guideline listed major tasks and projects, including increasing the Internet speed and reducing costs, setting industrial Internet standards, establishing innovation centers and improving network security.

Equal market access will be expanded, fiscal support will be strengthened and direct financing will be increased, the guideline said.

Priority will be given to the development of advanced manufacturing that is smart and green, according to the guideline.

The Ministry of Industry and Information Technology has selected 206 pilot projects for smart manufacturing, of which 28 are related to industrial Internet innovation, said Xie Shaofeng, an official with the ministry.

The National Development and Reform Commission (NDRC) said Monday more energy will be channeled into a range of advanced manufacturing sectors including rail transit, automobiles and agricultural machinery during the next three years.

Core competitiveness in chosen sectors will be substantially improved, the NDRC said, stressing combined development of the real economy and the Internet.

Other sectors included high-end medical apparatus and medicine, new materials and robotics.

As its advantage in cheap labor fades, China has encouraged domestic manufacturers to move up global value chain. The “Made in China 2025” strategy, equivalent to Germany’s Industry 4.0, was announced in 2015.

This city has the most ultra-rich residents in the world

Thanks; Fang Block

Published: June 27, 2017 7:02 p.m. ET

The New York City metro area had 8,350 residents with a net worth of at least $30 million in 2016.

The New York metropolitan area remains the top magnet for the world’s ultra rich, attracting 8,350 residents with a net worth of at least $30 million in 2016, according to a Wealth-X report released Tuesday.

Compared with 2015, the ultra-high-net-worth individuals residing primarily in New York, New Jersey and Pennsylvania grew 9.6%, according to the World Ultra Wealth Report 2017 by Wealth-X, a global wealth information and insight business provider.

Hong Kong and Tokyo remained the second and third most popular global cities for the ultra rich; London and Paris ranked fifth and sixth.

London was the only top-10 city to register a decline in its ultra wealthy population, as wealth levels took a hit from currency weakness and Brexit-related concerns.

Worldwide, the ultra-rich population grew by 3.5% to 226,450 in 2016, representing a strong rebound from last year’s sharp fall of 7.1%.

However, there were significant regional fluctuations, with North America and Asia Pacific recording a rise in the number of the ultra rich and their overall fortunes, while the rest of the world saw a decrease in wealth creation.

Other major findings in the report include:

• The combined wealth of the ultra rich, which comprises just 0.003% of the global adult population, increased 1.5% year-over-year to $27 trillion.

• Almost half of the global ultra wealthy population (108,610) had a net worth of between $30 million and $50 million.

• The number of billionaires declined 3.1% to 2,397; their combined net wealth dropped 3.1% to $7,400 billions.

• Latin America and the Caribbean suffered double-digit falls in its ultra wealthy collective wealth, with the population decreasing 3.4% to 6,850.

• Liquid assets, primarily cash, owned by the ultra wealthy stood at $9.6 trillion in 2016, accounting for the largest share (35.4%) of their holdings.

Top 100 City Destinations Ranking: WTM London 2017 Edition

Thanks;Wouter Geerts

Published;NOVEMBER 7TH, 2017

Euromonitor International is pleased to release its annual Top City Destinations Ranking, covering 100 of the world’s leading cities in terms of international tourist arrivals. For the first time, the Top 100 City Destinations Ranking 2017 Edition was unveiled at World Travel Market (WTM) London, the leading travel and tourism event worldwide. This year’s report includes forecast data up to 2025 and incorporates future travel trends to give further insight on how travel trends are borne out of the opportunities and challenges that cities face.


According to the report, Hong Kong was the most visited city in the world, benefiting from its strategic location and relationship with China, followed by Bangkok, which has overtaken London in 2015. Asian cities dominate the global destination rankings thanks to the inexorable rise of Chinese outbound tourism. In 2010, 34 cities from Asia Pacific were present in Euromonitor International’s ranking. This jumped to 41 cities in 2017 and is expected to grow to 47 cities in 2025. Asia Pacific is the standout region that has driven change in the travel landscape and is expected to continue doing so in the coming decade with Singapore overtaking London as the third most visited city in the world by 2025 making the podium fully Asian.

On the contrary, the performance of European cities has been hampered by several events in recent years, including the Eurozone and migrants crisis, as well as Brexit and terrorist attacks. Despite the uncertainty, some European destinations, in particular Greece, Italy and Spain have profited from unrest in the Middle East and North Africa (MENA), as they offer a similar climate to countries affected by unrest such as Turkey, Egypt and Tunisia.


Performance in the MENA region has fluctuated greatly in recent years, however Euromonitor forecast data show a recovery for the region in 2017 and beyond. Most noteworthy, it is expected that Egypt will register growth in 2017, after a strong decline in 2016. While the Middle East and North Africa’s main challenges are wars and border disputes, Africa is looking to do the reverse: opening borders and enhancing collaboration with the African Union’s plans towards seamless border. African leaders are seeing travel and tourism as a way to boost the economic prosperity of the continent.

In stark contrast to Africa, the plans towards stronger border controls might weight heavily on America’s performance. Although seeing positive growth, US arrivals witnessed a slowdown in 2016 due to a strong dollar and political uncertainty surrounding the US elections. According to Euromonitor International’s Travel Forecast Model, if the US drops out the NAFTA and imposes a 35 percent tariff on Mexican imports, followed by Mexican retaliation, the impact on inter-regional travel would be considerable. New York, the most visited city in America and the only US city in the top ten most visited city ranking, has revised its 2017 forecast expecting a potential fall of 300,000 visitors, as a worst case scenario.


The top ten most visited cities are:











Source: Euromonitor International


Euromonitor International’s report drills down into the detail of the figures to highlight why some cities are performing better than others and how emerging trends are going to re-shape the travel industry and disrupt the ranking up to 2025.

Some of the key emerging travel trends identified by the report are:

Asia – Cashless Asia

Cities as Digital Investments

To ensure continued arrivals growth and sustainable expansion, Asia cities are streaming ahead with initiatives to become smart cities. A big step towards as “smarter” society and economy is the growth of digital payment facilities. Cryptocurrencies are here to stay. The impact on the travel industry could be immense, not only in the way people travel, but also by simplifying smart contracts.

Europe – Angels and EU-nicorns

Cities as a Start-Up

While overcrowding represents a key issue in many European cities, there is a growing drive amongst start-ups in Europe to address other pain points in travel. Some of the largest start-ups in travel originate from the US. However, the US is increasingly competing with European hubs for start-up talents and investment.

UK – Rail Revolution

Cities as connectors

Over half of the international travelers coming to the UK visit London. There is a major gap between London and the second city, Edinburgh, which has less than 10% of London’s arrivals. Making the rest of the UK more accessible is an important focus of the UK’s strategy with rail a key focus to achieve a better connectivity and movement of international visitors.

Americas – Recognize that face?

Cities as hubs of innovation

As part of his policy to tighten border control, US President Donald Trump has ordered increased speed in implementing biometric scanners at airports. The travel industry is not only looking at the face to merely identify a traveler, but also to tell travel players what it wants, through speech and emotion. Voice is widely lauded as the latest frontier, which would have big implications for travel.

MEA – Looking beyond borders

Cities as entry points

Performance in the Middle East and Africa has fluctuated greatly due to unrest in many countries. However, 2017 is expected to be a good year across the board. Dubai seems insulated from all the turmoil that is going on around it. The city’s tourism industry is booking and is adopting new technologies at rapid pace. Johannesburg is the only Sub-Saharan Africa city in the ranking. However, tourism is considered a pillar of its economic growth strategy and the city is investing heavily in technology.


Nobel Prize goes to behavioral economics pioneer Richard Thaler

Thanks;Barbara Kollmeyer

Published: Oct 9, 2017 6:09 am ET

Richard Thaler, professor of behavioral science and economics at the University of Chicago Booth School of Business, has won the Nobel Prize in Economic Sciences for 2017. “In total, Richard Thaler’s contributions have built a bridge between the economic and psychological analyses of individual decision-making,” said the Royal Swedish Academy of Sciences, in handing out the prize, according to a press release on Monday. See also Richard Thaler: Here’s the best investing strategy. Thaler is considered one of the founding fathers of behavioral economics. See six books recommended by Thaler.


***Behavioral economics, along with the related sub-field behavioral finance, studies the effects of psychological, social, cognitive, and emotional factors on theeconomic decisions of individuals and institutions and the consequences for market prices, returns, and resource allocation, although not always that narrowly, …

New Lifestyles System Data: 2017 Global Consumer Trends Survey Results

Thanks;  Euromonitor Research

Published; SEPTEMBER 28TH, 2017

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We are excited to announce that the latest consumer survey results from the 2017 Global Consumer Trends survey are now live in the Lifestyles dashboard in our Passport database. Euromonitor International’s Global Consumer Trends surveys help companies stay ahead of a fast-changing consumer landscape by reaching out to internet-connected consumers from across the globe, then translating the results into comprehensive analysis and actionable opportunities.

Euromonitor International’s latest Global Consumer Trends survey data reveals a multitude of information about the 2017 consumer. With a global environment of rapid change and constant innovation, it is no surprise that consumer’s lifestyles are adapting quickly. The megatrend analysis enables Euromonitor International to identify emerging trends, while also monitoring how long-term megatrends are shaping the world. These megatrends are applicable to this year’s survey results.  Read on to learn more about the five key trends shaping consumer lifestyles.

Experience More

Millennials lead the way in trading the accumulation of things for experiences, particularly authentic, international travel opportunities. However, all consumers of all ages are looking for more time to relax.

Middle Class Retreat

Shopping preferences vary widely across markets and consumer segments, with some focused on buying fewer, high quality products and others succumbing to the pull of bargain hunting.

Connected Consumers

Consumers must now balance the benefits of ever-present internet access with added stresses and challenges to focus on “real world” activities.

Healthy Living

While consumers across the globe have nearly-endless access to health and wellness information, those with higher education are most likely to take advantage of tech advancements and opportunities to research and monitor their health.


Meal preparation from scratch is often the first thing to go as consumers juggle priorities, particularly among younger consumers who are more likely to turn to meal preparation kits or delivery / takeaway options that offer convenience and premium ingredients.

To learn more about the latest Lifestyles trends, download our free survey extract or request a demonstration of Passport. If you’re a current client, the full system refresher highlighting key survey findings across all major consumer lifestyles areas can be found in the Lifestyles system in Passport.