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• Personal Financial Management – The need for resuscitation

  - by Salil Ravindran

  Until a year or so ago, PFM (Personal Financial Management) was the blue eyed boy of every channel banking head. In an age when bank account portability is still fiction, PFM was expected to incentivise customers to switch banks. It still is, in some emerging economies, but if the state of PFM in matured markets is anything to go by, it is in a state of coma and badly requires resuscitation. Studies conducted around the year show an alarming decline and stagnation in PFM usage in mature markets. A Sept 2012 report by Aite Group – Strategies for PFM Success shows that 72% of users hadn’t used PFM and worse, 58% of them were not kicked about using it. Of the rest who had used it, only half did on a bank site. While there are multiple reasons for this lack of adoption, some are glaringly obvious. While pretty graphs and pie charts are important to provide a visual representation of my income and expense, it is simply not enough to encourage me to return. Static representation of data without any insightful analysis does not help me. Budgeting and Cash Flow is important but when I have an operative account, a couple of savings accounts, a mortgage loan and a couple of credit cards help me with what my affordability is in specific contexts rather than telling me I just busted my budget. Help me with relative importance of each budget category so that I know it is fine to go over budget on books for my daughter as against going over budget on eating out. Budget over runs and spend analysis are post facto and I am informed of my sins only when I return to online banking. That too, only if I decide to come to the PFM area. Fundamentally, PFM should be a part of my banking engagement rather than an analysis tool. It should be contextual so that I can make insight based decisions. So what can be done to resuscitate PFM? Amalgamation with banking activities – In most cases, PFM tools are integrated into online banking pages and they are like chapter 37 of a long story. PFM needs to be a way of banking rather than a tool. Available balances should shift to Spendable Balances. Budget and goal related insights should be integrated with transaction sessions to drive pre-event financial decisions. Personal Financial Guidance - Banks need to think ground level and see if their PFM offering is really helping customers achieve self actualisation. Banks need to recognise that most customers out there are non-proficient about making the best value of their money. Customers return when they know that they are being guided rather than being just informed on their finance. Integrating contextual financial offers and financial planning into PFM is one way ahead. Yet another way is to help customers tag unwanted spending thereby encouraging sound savings habits. Mobile PFM – Most banks have left all those numbers on online banking. With access mostly having moved to devices and the success of apps, moving PFM on to devices will give it a much needed shot in the arm. This is not only about presenting the same wine in a new bottle but also about leveraging the power of the device in pushing real time notifications to make pre-purchase decisions. The pursuit should be to analyse spend, budgets and financial goals real time and push them pre-event on to the device. So next time, I should know that I have over run my eating out budget before walking into that burger joint and not after. Increase participation and collaboration – Peer group experiences and comments are valued above those offered by the bank. Integrating social media into PFM engagement will let customers share and solicit their financial management experiences with their peer group. Peer comparisons help benchmark one’s savings and spending habits with those of the peer group and increases stickiness. While mature markets have gone through this learning in some way over the last one year, banks in maturing digital banking economies increasingly seem to be falling into this trap. Best practices lie in profiling and segmenting customers, being where they are and contextually guiding them to identify and achieve their financial goals. Banks could look at the likes of Simple and Movenbank to draw inpiration from.

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• Mobile Deals: the Consumer Wants You in Their Pocket

  - by Mike Stiles

  Mobile deals offer something we talk about a lot in social marketing, relevant content. If a consumer is already predisposed to liking your product and gets a timely deal for it that’s easy and convenient to use, not only do you score on the marketing side, it clearly generates some of that precious ROI that’s being demanded of social. First, a quick gut-check on the public’s adoption of mobile. Nielsen figures have 55.5% of US mobile owners using smartphones. If young people are indeed the future, you can count on the move to mobile exploding exponentially. Teens are the fastest growing segment of smartphone users, and 58% of them have one. But the largest demographic of smartphone users is 25-34 at 74%. That tells you a focus on mobile will yield great results now, and even better results straight ahead. So we can tell both from statistics and from all the faces around you that are buried in their smartphones this is where consumers are. But are they looking at you? Do you have a valid reason why they should? Everybody likes a good deal. BIA/Kelsey says US consumers will spend $3.6 billion this year for daily deals (the Groupons and LivingSocials of the world), up 87% from 2011. The report goes on to say over 26% of small businesses are either "very likely" or "extremely likely" to offer up a deal in the next 6 months. Retail Gazette reports 58% of consumers shop with coupons, a 40% increase in 4 years. When you consider that a deal can be the impetus for a real-world transaction, a first-time visit to a store, an online purchase, entry into a loyalty program, a social referral, a new fan or follower, etc., that 26% figure shows us there’s a lot of opportunity being left on the table by brands. The existing and emerging technologies behind mobile devices make the benefits of offering deals listed above possible. Take how mobile payment systems are being tied into deal delivery and loyalty programs. If it’s really easy to use a coupon or deal, it’ll get used. If it’s complicated, it’ll be passed over as “not worth it.” When you can pay with your mobile via technologies that connects store and user, you get the deal, you get the loyalty credit, you pay, and your receipt is uploaded, all in one easy swipe. Nothing to keep track of, nothing to lose or forget about. And the store “knows” you, so future offers will be based on your tastes. Consider the endgame. A customer who’s a fan of your belt buckle store’s Facebook Page is in one of your physical retail locations. They pull up your app, because they’ve gotten used to a loyalty deal being offered when they go to your store. Voila. A 10% discount active for the next 30 minutes. Maybe the app also surfaces social references to your brand made by friends so they can check out a buckle someone’s raving about. If they aren’t a fan of your Page or don’t have your app, perhaps they’ve opted into location-based deal services so you can still get them that 10% deal while they’re in the store. Or maybe they’ve walked in with a pre-purchased Groupon or Living Social voucher. They pay with one swipe, and you’ve learned about their buying preferences, credited their loyalty account and can encourage them to share a pic of their new buckle on social. Happy customer. Happy belt buckle company. All because the brand was willing to use the tech that’s available to meet consumers where they are, incentivize them, and show them how much they’re valued through rewards.

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• Government Mandates and Programming Languages

  A recent SEC proposal (which, at over 600 pages, I havent read in any detail) includes the following: We are proposing to require the filing of a computer program (the waterfall computer program, as defined in the proposed rule) of the contractual cash flow provisions of the securities in the form of downloadable source code in Python, a commonly used computer programming language that is open source and interpretive. The computer program would be tagged in XML and required to be filed with the Commission as an exhibit. Under our proposal, the filed source code for the computer program, when downloaded and run (by loading it into an open Python session on the investors computer), would be required to allow the user to programmatically input information from the asset data file that we are proposing to require as described above. We believe that, with the waterfall computer program and the asset data file, investors would be better able to conduct their own evaluations of ABS and may be less likely to be dependent on the opinions of credit rating agencies. With respect to any registration statement on Form SF-1 (Section 239.44) or Form SF-3 (Section 239.45) relating to an offering of an asset-backed security that is required to comply with Item 1113(h) of Regulation AB, the Waterfall Computer Program (as defined in Item 1113(h)(1) of Regulation AB) must be written in the Python programming language and able to be downloaded and run on a local computer properly configured with a Python interpreter. The Waterfall Computer Program should be filed in the manner specified in the EDGAR Filer Manual. I dont see how it can be in investors best interests that the SEC demand a particular programming language be used for software related to investment data.  I have a feeling that investors who use computers at all already have software with which they are familiar, and that the vast majority of them are not running an open source scripting language on their machines to do their financial analysis.  In fact, I would wager that most of them are using tools like Excel, and if they really need to script anything, its being done with VBA in Excel. Now, Im not proposing that the SEC should require that the data be provided in Excel format with VBA scripts included so everyone can easily access the data (despite the fact that this would actually be pretty useful generally).  Rather, I think it is ill-advised for a government agency to make recommendations of this nature, period.  If the goal of the recommendation is to ensure that the way things work is codified in a transparent manner, than I can certainly respect that.  It seems to me that this could be accomplished without dictating the technology to use.  To wit: An Excel document could contain all of the data as well as the formulae necessary, and most likely would not require the end-user to install anything on their machine The SEC could simply create a calculator in the cloud such that any/all investors could use a single canonical web-based (or web service based) tool Millions of Java and .NET developers could write their own implementations You can read more about this issue, including the favorable position on it, on Jayanth Varmas blog. Did you know that DotNetSlackers also publishes .net articles written by top known .net Authors? We already have over 80 articles in several categories including Silverlight. Take a look: here.

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• Cloud Computing Pricing - It's like a Hotel

  - by BuckWoody

  I normally don't go into the economics or pricing side of Distributed Computing, but I've had a few friends that have been surprised by a bill lately and I wanted to quickly address at least one aspect of it. Most folks are used to buying software and owning it outright - like buying a car. We pay a lot for the car, and then we use it whenever we want. We think of the "cloud" services as a taxi - we'll just pay for the ride we take an no more. But it's not quite like that. It's actually more like a hotel. When you subscribe to Azure using a free offering like the MSDN subscription, you don't have to pay anything for the service. But when you create an instance of a Web or Compute Role, Storage, that sort of thing, you can think of the idea of checking into a hotel room. You get the key, you pay for the room. For Azure, using bandwidth, CPU and so on is billed just like it states in the Azure Portal. so in effect there is a cost for the service and then a cost to use it, like water or power or any other utility. Where this bit some folks is that they created an instance, played around with it, and then left it running. No one was using it, no one was on - so they thought they wouldn't be charged. But they were. It wasn't much, but it was a surprise.They had the hotel room key, but they weren't in the room, so to speak. To add to their frustration, they had to talk to someone on the phone to cancel the account. I understand the frustration. Although we have all this spelled out in the sign up area, not everyone has the time to read through all that. I get that. So why not make this easier? As an explanation, we bill for that time because the instance is still running, and we have to tie up resources to be available the second you want them, and that costs money. As far as being able to cancel from the portal, that's also something that needs to be clearer. You may not be aware that you can spin up instances using code - and so cancelling from the Portal would allow you to do the same thing. Since a mistake in code could erase all of your instances and the account, we make you call to make sure you're you and you really want to take it down. Not a perfect system by any means, but we'll evolve this as time goes on. For now, I wanted to make sure you're aware of what you should do. By the way, you don't have to cancel your whole account not to be billed. Just delete the instance from the portal and you won't be charged. You don't have to call anyone for that. And just FYI - you can download the SDK for Azure and never even hit the online version at all for learning and playing around. No sign-up, no credit card, PO, nothing like that. In fact, that's how I demo Azure all the time. Everything runs right on your laptop in an emulated environment.  

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• Managing Operational Risk of Financial Services Processes – part 2/2

  - by Sanjeev Sharma

  Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Calibri","sans-serif"; mso-bidi-font-family:"Times New Roman";} In my earlier blog post, I had described the factors that lead to compliance complexity of financial services processes. In this post, I will outline the business implications of the increasing process compliance complexity and the specific role of BPM in addressing the operational risk reduction objectives of regulatory compliance. First, let’s look at the business implications of increasing complexity of process compliance for financial institutions: · Increased time and cost of compliance due to duplication of effort in conforming to regulatory requirements due to process changes driven by evolving regulatory mandates, shifting business priorities or internal/external audit requirements · Delays in audit reporting due to quality issues in reconciling non-standard process KPIs and integrity concerns arising from the need to rely on multiple data sources for a given process Next, let’s consider some approaches to managing the operational risk of business processes. Financial institutions considering reducing operational risk of their processes, generally speaking, have two choices: · Rip-and-replace existing applications with new off-the shelf applications. · Extend capabilities of existing applications by modeling their data and process interactions, with other applications or user-channels, outside of the application boundary using BPM. The benefit of the first approach is that compliance with new regulatory requirements would be embedded within the boundaries of these applications. However pre-built compliance of any packaged application or custom-built application should not be mistaken as a one-shot fix for future compliance needs. The reason is that business needs and regulatory requirements inevitably out grow end-to-end capabilities of even the most comprehensive packaged or custom-built business application. Thus, processes that originally resided within the application will eventually spill outside the application boundary. It is precisely at such hand-offs between applications or between overlaying processes where vulnerabilities arise to unknown and accidental faults that potentially result in errors and lead to partial or total failure. The gist of the above argument is that processes which reside outside application boundaries, in other words, span multiple applications constitute a latent operational risk that spans the end-to-end value chain. For instance, distortion of data flowing from an account-opening application to a credit-rating system if left un-checked renders compliance with “KYC” policies void even when the “KYC” checklist was enforced at the time of data capture by the account-opening application. Oracle Business Process Management is enabling financial institutions to lower operational risk of such process ”gaps” for Financial Services processes including “Customer On-boarding”, “Quote-to-Contract”, “Deposit/Loan Origination”, “Trade Exceptions”, “Interest Claim Tracking” etc.. If you are faced with a similar challenge and need any guidance on the same feel free to drop me a note.

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• Understanding the Value of SOA

  - by Mala Narasimharajan

  Written By: Debra Lilley, ACE Director, Fusion Applications Again I want to talk from my area of expertise of Fusion Applications and talk about their design fundamentals. If you look at the table below and start at the bottom Oracle have defined all of the business objects e.g. accounts, people, customers, invoices etc. used by Fusion Applications; each of these objects contain all of the information required and can be expanded if necessary.  That Oracle have created for each of these business objects every action that is needed for the applications e.g. all the actions to create a new customer, checking to see if it exists, credit checking with D&B (Dun & Bradstreet < http://www.dnb.co.uk/> ) , creating the record, notifying those required etc. Each of these actions is a stand-alone web service. Again you can create a new actions or subscribe to an external provided web service e.g. the D&B check. The diagram also shows that all of development of Fusion Applications is from their Fusion Middleware offerings. Then the Intelligent Business Process is the order in which you run these actions, this is Service Orientated Architecture, SOA. Not only is SOA used to orchestrate actions within Fusion Applications it is also used in the integration of Fusion Applications with the rest of the Oracle stable of applications such as EBS, PeopleSoft, JDE and Siebel. The other applications are written with propriety development tools so how do they work with SOA? It’s a very simple answer, with the introduction of the Oracle SOA platform each process within these applications was made available to be called as a web service. I won’t go into technically how that is done but what’s known as a wrapper to allow each of them to act in this way was added. Finally at the top of the diagram are the questions that each Fusion Application process must answer, and this is the ‘special’ sauce that makes them so good, the User Experience, but that is a topic for another day, or you can read about it in my blog http://debrasoracle.blogspot.co.uk/2014/04/going-on-record-about-fusion-apps-cloud.html or Oracle’s own UX blog https://blogs.oracle.com/usableapps/ The concept behind AppAdvantage is not new the idea that Oracle technology can add value to your Oracle applications investments is pretty fundamental. Nishit Rao who is in AppAdvantage team provided myself and other ACE Directors with demo kits so that we could demonstrate SOA running with the applications. The example I learnt to build was that of the EBS inventory open interface. The simple concept is that request records can be added to a table and an import run that creates these as transactions in inventory. What’s SOA allows you to do is to add to the table from any source and then run this process automatically whereas traditionally you had to run the process at regular intervals because you didn’t know if the table was empty or not. This may just sound like a different way of doing the same thing but if the process is critical for your business then the interval was very small and the process run potentially many times unnecessarily. Using SOA it only happened when necessary without any delay. So in my post today I’ve talked about how SOA is used with Fusion Applications and in the linking with more traditional applications but that is only the tip of the iceberg of potential, your applications are just part of your IT systems and SOA can orchestrate your data across all of them; the beauty of open standards.  Debra Lilley, Fusion Champion, UKOUG Board Member, Fusion User Experience Advocate and ACE Director.  Lilley has 18 years experience with Oracle Applications, with E Business Suite since 9.4.1, moving to Business Intelligence Team Lead and Oracle Alliance Director. She has spoken at over 100 conferences worldwide and posts at debrasoraclethoughts

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• How to handle payment types with varying properties in the most elegant way.

  - by Byron Sommardahl

  I'm using ASP.NET MVC 2. Keeping it simple, I have three payment types: credit card, e-check, or "bill me later". I want to: choose one payment type display some fields for one payment type in my view run some logic using those fields (specific to the type) display a confirmation view run some more logic using those fields (specific to the type) display a receipt view Each payment type has fields specific to the type... maybe 2 fields, maybe more. For now, I know how many and what fields, but more could be added. I believe the best thing for my views is to have a partial view per payment type to handle the different fields and let the controller decide which partial to render (if you have a better option, I'm open). My real problem comes from the logic that happens in the controller between views. Each payment type has a variable number of fields. I'd like to keep everything strongly typed, but it feels like some sort of dictionary is the only option. Add to that specific logic that runs depending on the payment type. In an effort to keep things strongly typed, I've created a class for each payment type. No interface or inherited type since the fields are different per payment type. Then, I've got a Submit() method for each payment type. Then, while the controller is deciding which partial view to display, it also assigns the target of the submit action. This is not elegant solution and feels very wrong. I'm reaching out for a hand. How would you do this?

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• Remove All Nodes with (nodeName = "script") from a Document Fragment *before placing it in dom*

  - by Matrym

  My goal is to remove all <[script] nodes from a document fragment (leaving the rest of the fragment intact) before inserting the fragment into the dom. My fragment is created by and looks something like this: range = document.createRange(); range.selectNode(document.getElementsByTagName("body").item(0)); documentFragment = range.cloneContents(); sasDom.insertBefore(documentFragment, credit); document.body.appendChild(documentFragment); I got good range walker suggestions in a separate post, but realized I asked the wrong question. I got an answer about ranges, but what I meant to ask about was a document fragment (or perhaps there's a way to set a range of the fragment? hrmmm). The walker provided was: function actOnElementsInRange(range, func) { function isContainedInRange(el, range) { var elRange = range.cloneRange(); elRange.selectNode(el); return range.compareBoundaryPoints(Range.START_TO_START, elRange) <= 0 && range.compareBoundaryPoints(Range.END_TO_END, elRange) >= 0; } var rangeStartElement = range.startContainer; if (rangeStartElement.nodeType == 3) { rangeStartElement = rangeStartElement.parentNode; } var rangeEndElement = range.endContainer; if (rangeEndElement.nodeType == 3) { rangeEndElement = rangeEndElement.parentNode; } var isInRange = function(el) { return (el === rangeStartElement || el === rangeEndElement || isContainedInRange(el, range)) ? NodeFilter.FILTER_ACCEPT : NodeFilter.FILTER_SKIP; }; var container = range.commonAncestorContainer; if (container.nodeType != 1) { container = container.parentNode; } var walker = document.createTreeWalker(document, NodeFilter.SHOW_ELEMENT, isInRange, false); while (walker.nextNode()) { func(walker.currentNode); } } actOnElementsInRange(range, function(el) { el.removeAttribute("id"); }); That walker code is lifted from: http://stackoverflow.com/questions/2690122/remove-all-id-attributes-from-nodes-in-a-range-of-fragment PLEASE No libraries (ie jQuery). I want to do this the raw way. Thanks in advance for your help

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• Working with a large data object between ruby processes

  - by Gdeglin

  I have a Ruby hash that reaches approximately 10 megabytes if written to a file using Marshal.dump. After gzip compression it is approximately 500 kilobytes. Iterating through and altering this hash is very fast in ruby (fractions of a millisecond). Even copying it is extremely fast. The problem is that I need to share the data in this hash between Ruby on Rails processes. In order to do this using the Rails cache (file_store or memcached) I need to Marshal.dump the file first, however this incurs a 1000 millisecond delay when serializing the file and a 400 millisecond delay when serializing it. Ideally I would want to be able to save and load this hash from each process in under 100 milliseconds. One idea is to spawn a new Ruby process to hold this hash that provides an API to the other processes to modify or process the data within it, but I want to avoid doing this unless I'm certain that there are no other ways to share this object quickly. Is there a way I can more directly share this hash between processes without needing to serialize or deserialize it? Here is the code I'm using to generate a hash similar to the one I'm working with: @a = [] 0.upto(500) do |r| @a[r] = [] 0.upto(10_000) do |c| if rand(10) == 0 @a[r][c] = 1 # 10% chance of being 1 else @a[r][c] = 0 end end end @c = Marshal.dump(@a) # 1000 milliseconds Marshal.load(@c) # 400 milliseconds Update: Since my original question did not receive many responses, I'm assuming there's no solution as easy as I would have hoped. Presently I'm considering two options: Create a Sinatra application to store this hash with an API to modify/access it. Create a C application to do the same as #1, but a lot faster. The scope of my problem has increased such that the hash may be larger than my original example. So #2 may be necessary. But I have no idea where to start in terms of writing a C application that exposes an appropriate API. A good walkthrough through how best to implement #1 or #2 may receive best answer credit.

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• Subscription Management with Merchant Account via API

  - by Josh

  I'm researching gateways/vendors that provide the ability to create subscription based transitions for merchant accounts. In other words, I want to allow customers to signup for a subscription for a website service that charges once a month. Authorize.Net has an ARB (Automated Recurring Billing) Module. The cost is cheap, $10 a month for the service, with unlimited subscriptions, and they have an API that allows XML or SOAP access to create, update and cancel. The LARGE negative of the service is that it doesn't have elegant way to obtain the current status of a subscription. They can send a daily email with an attached CSV file, or someone can login into the site and review statuses – neither is an enterprise solution. The parent company "CyberSource" has a "Recurring Billing Service" which implies a more robust solution, including API access to subscription information. I’m currently waiting for a sales call back on costs related to the service. I also looked at PayPal's Recurring Billing Service, but that appears to require that users are redirected to the PayPal site to signup for the subscription -- again, not an an elegant solution. Does anyone know of any other vendors/gateways that offer subscription service, that meet the following criteria: Vendor/Gateway must host the credit card number and be PCI compliant Have an API that accessible via a Web Service, Post over HTTPS or SOAP Have an API that allows querying the status of subscriptions and/or the ability to query for activity since a certain date. Thanks in advance for your suggestions.

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• How to explain to users the advantages of dumb primary key?

  - by Hao

  Primary key attractiveness I have a boss(and also users) that wants primary key to be sophisticated/smart/attractive control number(sort of like Social Security number, or credit card number format) I just padded the primary key(in Views) with zeroes to appease their desire to make the control number sophisticated,smart and attractive. But they wanted it as: first 2 digits as client code, then 4 digits as year year, then last 4 digits as transaction number on that client on a given year, then reset the transaction number of client to 1 when next year flows. Each client's transaction starts with 1. e.g. WM20090001, WM20090002, BB2009001, WM20100001, BB20100001 But as I wanted to make things as simple as possible, I forgo embedding their suggested smartness in primary key, I just keep the primary key auto increments regardless of client and year. But to make it not dull-looking(they really are adamant to make the primary key as smart control number), I made the primary key appears to them smart, on view query, I put the client code and four digit year code on front of the eight-zero padded autoincrement key, i.e. WM200900000001. Sort of slug-like information on autoincremented primary key. Keeping primary key autoincrement regardless of any other information, we are able keep other potential side effects problem when they edit a record, for example, if they made a mistake of entering the transaction on WM, then they edit the client code to BB, if we use smart primary key, the primary keys of WM customer will have gaps in their control number. Or worse yet, instead of letting the control numbers have gaps/holes, the user will request that subsequent records of that gap should shift up to that gap and have their subsequent primary keys re-adjust(decremented). How do you deal with these user requests(reasonable or otherwise)? Do you yield to their request? Or just continue using dumb primary key and explain them the repercussions of having a very smart/sophisticated primary key and educate them the significant advantages of having a dumb primary key? P.S. quotable quote(http://articles.techrepublic.com.com/5100-10878_11-1044961.html): "If you hold your tongue the first time users ask what is for them a reasonable request, things will work a lot better in the end."

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• [iPhone] Background color during flip view animation/transition?

  - by Rob S.

  I have some pretty standing flipping action going on: [UIView beginAnimations:@"swapScreens" context:nil]; [UIView setAnimationTransition:UIViewAnimationTransitionFlipFromLeft forView:self.view cache:YES]; [UIView setAnimationDuration:1.0]; [self.view exchangeSubviewAtIndex:0 withSubviewAtIndex:1]; [UIView commitAnimations]; To Apple's credit, this style of animation is amazingly easy to work with. Very cool, and I've been able to animate transitions, flips, fades etc. throughout the app very easily. Question: During the flip transition, the background visible 'behind' the two views during the flip is white and I'd like it to be black. I've: Set the background of the containing view (self.view above) - no dice. I really thought that would work. Set the background of each view to black - no dice. I didn't think this would work although you give different things a shot to understand better :) Google'd like crazy; keep landing on Safari-related listings. Thanks in advance!

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• MediaWiki installed on virtual server accessed through Apache ProxyPass

  - by Eugen Mihailescu

  Note: where you will see "xttp" actualy is "http" but stackoverflow rules do not allow me to use more than 1 hyperlink in one post because I do not have enough "credit" to do that :) INTRODUCTION Hi, I have installed a MediaWiki 1.15.3 software on a private LAN on a Linux box (CentOS 5), with: Apache 2.2.3, PHP 5.1.6, MySQL 5.0.45. Let's name this Linux box "wiki box". Public users can't access this wiki as it is hosted on a private LAN. For external users (the Internet users) we have a Linux router (with Apache 2.0.52) where we host our website (ex: xttp://www.cubique.ro). Let's name this Linux box "router". WHAT I WANT What I want to do is: to create a virtual domain (as xttp://wiki.cubique.ro) on the "router" setup the virtual domain to forward all xttp requests to my private "wiki box" (ex: xttp://192.168.0.200/wiki_root/) WHAT I'VE DONE ALREADY On router's Apache (httpd.conf) I have created a VirtualHost as: < VirtualHost 0.0.0.0:80 ServerName wiki.cubique.ro DocumentRoot /someinternalpath/html ScriptAlias /cgi-bin /someinternalpath/cgi-bin ... Well, after I have navigate at wiki.cubique.ro I saw a blank web page, as /someinternalpath/html has an empty index.htm page. No problem, I know that I have to "teach" the router to pass all the access of virtual domain (wiki.cubique.ro) to the wiki box, where the real pages are stored. So I teach the Apache to ProxyPass the access of virtual domain root to the wiki box root like this: ...the following lines lies in the same virtual domain definition, see above ProxyPass / xttp://192.168.0.200/wiki/ ProxyPassReverse / xttp://192.168.0.200/wiki/ < /VirtualHost WHAT IS THE ISSUE If I access the wiki using the internal address (such as xttp://192.168.0.200/wiki/) it looks splendid (style sheets, everything). When I access the wiki using the virtual domain name ( xttp://wiki.cubique.ro ) it shows the content but no style sheet. Worse than that, no internal wiki links are working at all. Make a try: http://wiki.cubique.ro FINALLY, THE QUESTION Anyone has a clue how to deal with this? Thanks.

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• Agile and Scrum burning me down please help me figuring out the truth

  - by jadook

  hi all, in the last while I installed MS-TFS 2008 then started to get myself prepared to use Agile Process Guidance template shipped with the TFS. with little googling I passed through Mike Cohn materials: I watched his conference in youtube "sponsored by google: http://www.youtube.com/watch?v=fb9Rzyi8b90 http://www.youtube.com/watch?v=jeT0pOVg0EI Read his book "Agile Estimating and Planning" Watching the video series in his website: http://www.mountaingoatsoftware.com/presentations-tag/video-recorded I was very happy while absorbing and eating the techniques he is using with the teams and how agile and scrum is such a great software process/methodology until I saw Mike answering a question regarding an architect role and talking about the requirements document... at that point everything start falling apart due to the following: Last year I had been assigned to make full analysis "including requirements gathering" for big project "very high priority project". within 2 months of hardwork, dedication and commitment I delivered the whole analysis with full satisfaction of the customer and my BOSS and ZERO amendments. Later on, the project entered the architecting, development ... phases. due to the fact that the system included many competitive and exciting features I requested patenting it and its going in the process... so imagine you are the kind of person who used to love facing all kind of challenges and returning with excellent experience and results for the stakeholders and yourself, How fairly agile and scrum processes will credit and admit your talent and passion while the scrum master/coach treat the team as one unit that accomplish user stories and converge through trial and error approach??!!!! with that dark thoughts about agile and scrum I found many people "anti agile" and on top of them is "Crispin Rogers Johnson": http://agile-crispin.blogspot.com/ that guy made anti statement for everything Mike Cohn used to talk about. I really don't know what to do next! so any guidance will be appreciated. Thanks,

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• Project ideas for automated deduction/automated theorem proving?

  - by wsh

  Dear Stack Overflow brethren, I'm a second-semester junior who will embark upon my thesis soon, and I have an interest in automated deduction and automated theorem provers. As in, I'd like to advance the art in some way (I don't mean that pretentiously, but I do want to do something productive). I've Googled pretty far and wide and so far few promising ideas have emerged. There are a few student project idea pages, but most seem either horribly outdated or too advanced (I was originally going to attempt to synthesize postmodernist thought (hahaha) and abstract its logical content, build a complete and consistent model (if possible, of course), and attempt to automate it, grounding said model as possible in a nonstandard logic a la these. My advisor thought that gave postmodernist thought too much credit (a while ago I reimplemented the Postmodernism Generator in Haskell with Parsec, so that is in part where the idea came from); I am tempted to concur.) So, yeah. Does anyone have ideas? I apologize if there is some obvious gap in my approach here/if I haven't appropriately done my homework (and if there is one, please tell me!), but in large part I don't even know where to start, and thank you for reading all that.

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• Shell script to emulate warnings-as-errors?

  - by talkaboutquality

  Some compilers let you set warnings as errors, so that you'll never leave any compiler warnings behind, because if you do, the code won't build. This is a Good Thing. Unfortunately, some compilers don't have a flag for warnings-as-errors. I need to write a shell script or wrapper that provides the feature. Presumably it parses the compilation console output and returns failure if there were any compiler warnings (or errors), and success otherwise. "Failure" also means (I think) that object code should not be produced. What's the shortest, simplest UNIX/Linux shell script you can write that meets the explicit requirements above, as well as the following implicit requirements of otherwise behaving just like the compiler: - accepts all flags, options, arguments - supports redirection of stdout and stderr - produces object code and links as directed Key words: elegant, meets all requirements. Extra credit: easy to incorporate into a GNU make file. Thanks for your help. === Clues === This solution to a different problem, using shell functions (?), Append text to stderr redirects in bash, might figure in. Wonder how to invite litb's friend "who knows bash quite well" to address my question? === Answer status === Thanks to Charlie Martin for the short answer, but that, unfortunately, is what I started out with. A while back I used that, released it for office use, and, within a few hours, had its most severe drawback pointed out to me: it will PASS a compilation with no warnings, but only errors. That's really bad because then we're delivering object code that the compiler is sure won't work. The simple solution also doesn't meet the other requirements listed. Thanks to Adam Rosenfield for the shorthand, and Chris Dodd for introducing pipefail to the solution. Chris' answer looks closest, because I think the pipefail should ensure that if compilation actually fails on error, that we'll get failure as we should. Chris, does pipefail work in all shells? And have any ideas on the rest of the implicit requirements listed above?

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• Database design for invoices, invoice lines & revisions

  - by FreshCode

  I'm designing the 2nd major iteration of a relational database for a franchise's CRM (with lots of refactoring) and I need help on the best database design practices for storing job invoices and invoice lines with a strong audit trail of any changes made to each invoice. Current schema Invoices Table InvoiceId (int) // Primary key JobId (int) StatusId (tinyint) // Pending, Paid or Deleted UserId (int) // auditing user Reference (nvarchar(256)) // unique natural string key with invoice number Date (datetime) Comments (nvarchar(MAX)) InvoiceLines Table LineId (int) // Primary key InvoiceId (int) // related to Invoices above Quantity (decimal(9,4)) Title (nvarchar(512)) Comment (nvarchar(512)) UnitPrice (smallmoney) Revision schema InvoiceRevisions Table RevisionId (int) // Primary key InvoiceId (int) JobId (int) StatusId (tinyint) // Pending, Paid or Deleted UserId (int) // auditing user Reference (nvarchar(256)) // unique natural string key with invoice number Date (datetime) Total (smallmoney) Schema design considerations 1. Is it sensible to store an invoice's Paid or Pending status? All payments received for an invoice are stored in a Payments table (eg. Cash, Credit Card, Cheque, Bank Deposit). Is it meaningful to store a "Paid" status in the Invoices table if all the income related to a given job's invoices can be inferred from the Payments table? 2. How to keep track of invoice line item revisions? I can track revisions to an invoice by storing status changes along with the invoice total and the auditing user in an invoice revision table (see InvoiceRevisions above), but keeping track of an invoice line revision table feels hard to maintain. Thoughts? 3. Tax How should I incorporate sales tax (or 14% VAT in SA) when storing invoice data?

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• How to build n-layered web architecture with PHP?

  - by Alex

  I have a description and design of a website and I need to redesign it to allow for new requirements. The website's purpose is the offering of government's contracts and bidding opportunities for different businesses.I'm dealing with the 3-tier architecture PHP website comprising of the user-interface tier(client's web browser),business logic layer(Apache web server with PHP engine in it and a couple of applications running within a web server as well) and a database layer(local mysql database). Now,i need to redesign it to su???rt distributed n-tier architecture and specify how I would go about it.After long hours of research i came to this solution: business logic should be separated into presentation and purely business logic tier to allow for n-layer architecture(user-interface,presentation tier,b.logic and data tier).I have decided to use ??? just for the presentation(since the original existing website is in PHP) and use it within apache web server.In the business logic i want to use J2?? implementation technology instead of implementing it in PHP(i.e using Zend app.server and smarty template) cz J2EE can provide much more essential container services which are essential for business logic,its robustness,maintainability and different critical business operations which will be carried out by the g?v?rnment's website.So,particularly,i want to use J??ss app.server with ?J? business objects in it which would provide all the b.logic in java and would interact with the database and so forth.In order to connect PHP on a web server with java on app.server i'm gonna use PHP/Java bridge API (or maybe Quercus or SOAP is better?).Finally,i have my data tier with mysql which will communicate with b.logic via JD??.Payment system application in ???.server is gonna use S??? to talk with credit card company. From your professional point of view,does it sound like a good way of redesigning the original website to allow for n-tier architecture considering the specifics of the website and the criticality of its operations?(payment system is included in it)or u would personally prefer to use PHP business objects for business logic as well instead of J2EE?If you have any wiser recommendation or some alternative,please let me know what is right or wrong in my current solution. H??? to hear your professional advice very s??n (I'm new to the area of web development) Thanks in advance

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• USE case to Class Diagram - How do I?

  - by 01010011

  Hi, I would like your guidance on how to create classes and their relationships (generalization, association, aggregation and composition) accurately from my USE case diagram (please see below). I am trying to create this class diagram so I can use it to create a simple online PHP application that allows the user to register an account, login and logout, and store, search and retrieve data from a MySQL database. Are my classes correct? Or should I create more classes? And if so, what classes are missing? What relationships should I use when connecting the register, login, logout, search_database and add_to_database to the users? I'm new to design patterns and UML class diagrams but from my understanding, the association relationship relates one object with another object; the aggregation relationship is a special kind of association that allows "a part" to belong to more than one "whole" (e.g. a credit card and its PIN - the PIN class can also be used in a debit card class); and a composition relationship is a special form of aggregation that allows each part to belong to only one whole at a time. I feel like I have left out some classes or something because I just can't seem to find the relationships from my understanding of relationships. Any assistance will be really appreciated. Thanks in advance. USE CASE DIAGRAM CLASS DIAGRAM

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• Subscription Based Billing

  - by regex

  Hello All, I'm putting together a small start up company which will be set up with a subscription based billing model. The bill will go to customers on either a monthly or quarterly basis depending on the end user's preference. My question is two parted: I'm new to online billing and I'm only really aware of Pay Pal when it comes to third party bill payment, but this seems more like a check out system. I'm sure there are better alternatives than PayPal for third party billing processors (I have tried Googling for them, but I'm having trouble finding exactly what I'm looking for). What options (companies) are available for third party payment processing and what types of experiences (good or bad) have you had with them? We would like to give our customers the ability to set up recurring payments. I'd rather not store a customer's credit card number on our database as I imagine there are a plethora of compliance guidelines around this. Is there a third party solution for recurring payment processing? On a side note, this is not necessarily a code related question and is more business focused. I wasn't sure if there was a better route for posting this question, and please commont or modify this if there is another route I should take. Thanks!!

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• Prevent illegal behavior to the registered user

  - by Al Kush

  I am building a website in which this website will be focused on the publishing of novels. Every writers who publish their novels with us will get a royalty from us. And this royalty comes from the user or the reader who read the novel online in our website. When a user search for a novel and want to read that, they will click a link to the page which its content is that novel. The html page for each novels will have a session function that first will force them to login or register to make a payment such as with a credit-card or paypal before accessing that html page. My problem now is if the user has succesfully login and access the html page, I am afraid if the user will copy the content of the novel. Some disccussion out here How to Disable Copy Paste (Browser) have a solution to create it in Flash so that it can't be coppied-paste. But the I think, if the user who access it is a web developer like us they will try to find the path of the file from the link in the page source, and then they can steal it. For now I think it is enough I am explaining this. I hope anyone fully accept this problem (question) with a good idea to solve it.

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• The IOC "child" container / Service Locator

  - by Mystagogue

  DISCLAIMER: I know there is debate between DI and service locator patterns. I have a question that is intended to avoid the debate. This question is for the service locator fans, who happen to think like Fowler "DI...is hard to understand...on the whole I prefer to avoid it unless I need it." For the purposes of my question, I must avoid DI (reasons intentionally not given), so I'm not trying to spark a debate unrelated to my question. QUESTION: The only issue I might see with keeping my IOC container in a singleton (remember my disclaimer above), is with the use of child containers. Presumably the child containers would not themselves be singletons. At first I thought that poses a real problem. But as I thought about it, I began to think that is precisely the behavior I want (the child containers are not singletons, and can be Disposed() at will). Then my thoughts went further into a philosophical realm. Because I'm a service locator fan, I'm wondering just how necessary the notion of a child container is in the first place. In a small set of cases where I've seen the usefulness, it has either been to satisfy DI (which I'm mostly avoiding anyway), or the issue was solvable without recourse to the IOC container. My thoughts were partly inspired by the IServiceLocator interface which doesn't even bother to list a "GetChildContainer" method. So my question is just that: if you are a service locator fan, have you found that child containers are usually moot? Otherwise, when have they been essential? extra credit: If there are other philosophical issues with service locator in a singleton (aside from those posed by DI advocates), what are they?

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• Mercurial Hg Clone fails on C# project with GUID

  - by AnneTheAgile

  UPDATE: In trying to replicate this problem one more time to answer your questions I could not! I can only conclude that my initial setup of Mercurial was problematic and/or possibly I was trying to checkin a build that failed compilation before the checkin. Sigh! Thank you so very much for your help. I gave credit for the help on how to do a script. I need to try that for general purposes. hi all, I hope you can help me :). I am trying to see if Mercurial would be a good DCVS for my project at work, and I'm surely a newbie to many things. We have a fairly large codebase in C# (Dotnet3.0 not 3.5 , WindowsXP) and it utilizes the GUID feature. I confess to know little about how or why we use the GUID, but I do know that I cannot touch it. So, when I try hg clone, it fails unless I change the GUID in the cloned directory (ie create new GUID in Visual Studio and then paste that new GUID to replace the old one). To me, this completely defeats the purpose and utility of quick easy clones. It also makes difficult all the many workflows that require multiple clones. Is there a workaround, or is there something I'm doing wrong? How can I simplify and/or remove this problem? Would Bazaar make this easier? Thank you!

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• Defining Light Coordinates

  - by Zachary

  I took a Computer Graphics exam a couple of days ago which had extra credit question like the following: A light can be defined in one of two ways. It can be defined in world coordinates, e.g. a street light, or in the viewer (eye coordinates), e.g., a head-lamp worn by a miner. In either case the viewpoint can freely change. Describe how the light should be transformed different in these two cases. Since I won't get to see the results of this until after spring break, I thought I would ask here. It seems like the analogies being used are misleading - could you not define a light source that is located at the viewers eye in world coordinates just as well as you could in eye coordinates? I've been doing some research on how OpenGL handles light, and it seems as though it always uses eye coordinates - the ModelView matrix would be applied to any light in world coordinates. In that case the answer may just be that you would have to transform light defined in world coordinates into eye coordinates using something like the ModelView matrix, while light defined in eye coordinates would only need to be transformed by the projection matrix. Then again I could be totally under thinking (or over thinking this). Another thought I had is that it determines which way you render shadows, but that has more to do with the location of the light and its type (point, directional, emission, etc) than what coordinates it is represented in. Any ideas?

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• MVC design question for forms

  - by kenny99

  Hi, I'm developing an app which has a large amount of related form data to be handled. I'm using a MVC structure and all of the related data is represented in my models, along with the handling of data validation from form submissions. I'm looking for some advice on a good way to approach laying out my controllers - basically I will have a huge form which will be broken down into manageable categories (similar to a credit card app) where the user progresses through each stage/category filling out the answers. All of these form categories are related to the main relation/object, but not to each other. Does it make more sense to have each subform/category as a method in the main controller class (which will make that one controller fairly massive), or would it be better to break each category into a subclass of the main controller? It may be just for neatness that the second approach is better, but I'm struggling to see much of a difference between either creating a new method for each category (which communicates with the model and outputs errors/success) or creating a new controller to handle the same functionality. Thanks in advance for any guidance!

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