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Source: Tulsa World, Okla.self storageOct. 20--A look at three settlement programs sparked by the housing crisisDuring the foreclosure crisis and resulting fiscal mess, so many mortgage servicing companies refused to work with homeowners that Congress passed the Home Affordable Modification Program, or HAMP.The idea was to offer incentives encouraging servicers to provide mortgage modifications and aid for troubled homeowners.By any measure, it has not gone as planned.Unfair and illegal practices by mortgage servicers and lenders have resulted in a host of lawsuits nationally, as well as three major settlements that affect Oklahomans who have lost a home to foreclosure or are currently fighting it.NATIONAL MORTGAGE SETTLEMENTTotal settlement: $25 billionWhere the money comes from: The nation's five largest mortgage servicers -- Bank of America, JPMorgan Chase, Wells Fargo, Citimortgage and Ally/GMAC -- agreed to pay $25 billion in funds and various forms of relief to avoid prosecution by the U.S. Department of Justice and attorneys general of 49 states.Where the money went: Approximately $1.5 billion to compensate borrowers who lost their homes to foreclosure from Jan. 1, 2008, to Dec. 31, 2011. Those who applied should receive checks totaling just under $1,500. Because Attorney General Scott Pruitt opted out of the national settlement, Oklahomans were not eligible for these funds.About $3.5 billion was split between 50 states based on population and foreclosure statistics.Key features: Improved servicing standards for the nation's five largest mortgage servicers, funding to assist borrowers in saving their homes from foreclosure, direct payments to homeowners who may have been wrongly foreclosed upon, direct payments to states to use for their own programs and needs.RESOLUTION OKLAHOMATotal settlement: $18.7 millionWhere the money comes from: Attorney General Scott Pruitt opted Oklahoma out of the national semini storagetlement. Instead, he used the $18.7 million direct payment the state would have received under the national settlement to craft his own program.Where the money went (so far):Payouts to residents: $4.9 millionLegal service vouchers: $128,466Payments to Legal Aid Services of Oklahoma: $1.2 millionPayments to Oklahoma Bar Association: $111,239Total: $6.3 millionKey features: Direct restitution payments of $5,000 to $20,000 for homeowners who can prove some level of harm, such as dual-tracking or robo-signing; vouchers to hire private attorneys and other funds for legal assistance; and free foreclosure defense training for members of the Oklahoma Bar Association.INDEPENDENT FORECLOSURE REVIEWTotal settlement: $3.6 billionWhere the money comes from: In April 2011, federal banking regulators issued enforcement orders against 14 large mortgage servicers for deficient mortgage servicing and foreclosure practices. The orders required those servicers to retain independent consultants to review foreclosures in process or completed in 2009 or 2010. The review sought to identify financial injury to borrowers that resulted from errors, misrepresentations and other deficiencies in the foreclosure process.But payments to homeowners stalled while consultants were paid $1.5 billion. In January 2013, the plan for a case-by-case review was scrapped in favor of direct payments to qualifying homeowners.Key features: The Independent Foreclosure Review requires those servicers to provide compensation or other remediation for identified financial injury. Though some individuals may receive as much as $125,000 in compensation, it is estimated that most will only get $300. So far, about 17,000 Oklahoma cases have been paid more than $18 million through the fund, records show.Copyright: ___ (c)2013 Tulsa World (Tulsa, Okla.) Visit Tulsa World (Tulsa, Okla.) at .tulsaworld.com Distributed by MCT Information Services迷你倉

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記者沈則瑾本報上海10月20日電 記者沈則瑾報道：中國(上海)自由貿易試驗區為軟件貿易的新一輪發展帶來了成長空間和“最大紅利”，儲存軟件和信息技術服務已被確定為自貿區內重點推進的領域之一。這是記者從近日舉辦的“第十一屆上海軟件貿易發展論壇”上獲得的信息。據上海市經濟和信息化委員會副主任傅新華介紹，今年上半年，上海軟件信息服務業產業規模達2052億元，居全國前列。上海市商務委的統計數據顯示，近幾年上海軟件貿易業發展迅速，去年上海軟件出口網上合同登記執行金額為18.65億美元，同比增長18.34%；今年1至8月，上海軟件出口執行金額達9.9億美元，同比增長10.2%。上海市商務委主任尚玉英說，上海軟件貿易發展呈現企業集聚、服務迷你倉導、進軍高端的特點，但也存在人力成本和商務成本不斷攀升、中高端人才短缺等制約進一步發展的兩大瓶頸，而上海自貿區將為軟件貿易的新一輪發展帶來成長空間和“最大紅利”。尚玉英表示，下一步，上海將加快培育軟件貿易市場主體，抓緊出台服務貿易促進指導目錄項下的軟件和信息服務細目，努力建好服務外包交易促進中心等貿易促進平台，加大對服務貿易關鍵環節的支持力度，積極組織服務貿易各類推介促進活動，深入探索軟件人才的培育模式，全面優化軟件貿易的發展環境，提升上海作為服務外包示範城市以及軟件名城的城市競爭力，吸引更多的全球和全國的知名軟件企業在上海設立總部，並培育一批本土的軟件研發龍頭企業，形成多層次、跨領域、以中高端業務為主的軟件貿易發展結構。self storage

中央提出允許民營資本設立自擔風險的民營銀行政策後，迷你倉內地興起了一股申請興辦民營銀行的熱潮。最新傳聞是，全國已有20餘家企業申請民營銀行牌照，並已經在工商部門登記註冊領取營業執照。對此，太平洋建設集團創始人嚴介和表示，「民營資本現在辦銀行最大的挑戰是國有比重太大，誰先做民營銀行就要做好」犧牲「的準備，這中間有一個」前仆後繼「的漫長過程，要等前邊都」前仆後繼「得差不多了，民營銀行的」艷陽天「才能真的到來」。嚴介和表示，「沒有健康的速度是最危險的儲存倉度，沒有速度的健康也是最頹廢的健康。經濟的發展離不開金融領域的改革，但金融改革也不能泥沙俱下。當前多家民營上市公司蜂擁辦銀行，但需牢記多元化是餡餅也是陷阱。盲目擴張、盲目建店、盲目做大，一哄而起的時代已經過去，有實力才能有持久性。」「所以我總說，第一隻螃蟹也要看該不該吃，在一些空白的領域比如之前我們做BT那真的是第一個吃螃蟹的；而金融領域它不是空白的，已經不是螃蟹了，都成了大象了，這個時候先去吃，那就是」蛇吞象「，盲目去吃未免有些不自量力。」迷你倉最平

劉方遠智能手機之後，存倉一�IT廠商們紛紛把目光轉向了客廳。圍繞智能電視以及各種“盒子”，一場明槍暗箭的鬥爭又拉開了大幕。身為“出頭鳥”的小米盒子，最近日子不大好過。在被優酷土豆起訴涉嫌內容盜版侵權之後，小米盒子又被深圳同洲電子（002052）指責侵犯了技術專利。“我們已經對小米提起了訴訟，目前深圳市中級人民法院已經受理了案件。”10月18日，同洲電子市場部負責人劉祥向記者確認，法院已經受理了同洲電子一項專利訴訟請求，而他們還在準備提起更多的訴訟。不過，同洲電子方面並不願意透露具體的起訴訴求，包括索賠金額多少等。劉祥表示，他們選擇小米作為起訴對象，並不是為了“炒作”，而是小米的態度以及溝通的不暢，讓身為傳統廣電機頂盒企業的同洲決定反擊。事件經網絡發酵之後，已經引發了雙方的口水仗，小米科技聯合創始人王川、同洲電子董事長袁明先後在微博上開腔指責對方。對於同洲電子的指控，10月18日下午，小米公司向《21世紀經濟報道》發來聲明表示：“我們至今未曾收到任何與同洲有關的法律文書或同洲方面發來的專利權主張文書；小米盒子的相關功能的設計、實現均系原創，沒有任何抄襲行為。”艾媒咨詢CEO張毅認為，最近市場的種種風波說明，“對於想做正規品牌的廠商來說，電視盒子還是有不少門檻和壓力的，比如政策、版權、專利等等。”這些問題會隨著競爭者的增多而愈加凸顯。事實上，包括樂視、小米、阿里巴巴、同洲電子以及華為等來自不同背景的廠商，都盯上了“客廳”這一市場，他們也都有自己的盒子產品。而未來隨著市場“玩家”的越來越多，競爭手段也將五花八門。方興未艾的電視“盒子”市場，將迎來更多的硝煙。同洲列四項侵權此次同洲電子對於小米盒子的指控，顯然早有準備。從10月16日晚間開始，深圳同洲電子旗下的官方微博“同洲飛看”連續發難。截至記者截稿，同洲已經列出了對於小米盒子的四項侵權指控。第一項專利與遙控器操作相關。根據同洲方面的描述，小米盒子遙控器操作時的某一項操作方法，涉嫌侵犯同洲的《機頂盒及機頂盒遙控器操作系統和方法》（ZL200710073318.2）專利。這項專利由同洲于2007年申請。第二項專利名為《移動終端界面共享到電視機的方法、系統和機頂盒》，由同洲電子于2010年申請。同洲方面認為，小米盒子採用的將手機界面投到電視上的方法，涉嫌侵犯了這一專利。同洲電子市場部負責人劉祥向記者確認說，目前深圳市中級人民法院已經受理的是第一項專利指控，“第二項專利問題，我們馬上會發起訴訟。”劉祥表示，根據他們的比對，除此上述兩點之外另外還有兩項專利正在做進一步核實。分別是2007年申請的與流媒體相關的專利——《一種媒體資源傳輸方法、系統及機頂盒》；以及2006年申請的網絡升級相關專利——《一種機頂盒升級的方法》。對於同洲電子一波接一波的侵權指責，小米方面則認為這是同洲在借勢炒作。“現在的確有不少企業都想借小米名氣炒作。”小米內部人士向記者表示，小米非常注重研發和創新，做任何研發和創新都是以良好的用戶體驗為出發點，也都是在尊重專利的基礎上進行。同洲電子董事長袁明則針鋒相對地回擊小米惡意侵權，要求小米公司及雷軍公開道歉，並賠償損失。事態逐步向“口水化”的方向演進。盒子的“三座大山”跳開同洲與小米之間的爭執來看，如今要想介入客廳戰場已經門檻頗高。“類盒子的產品，現在看來至少有政策、版權、專利三大問題。”艾媒咨詢CEO張毅告訴記者，這對那些想真正做大、想有自己品牌的廠儲存來說，都是必須考慮的問題，“山寨廠反而不用顧忌這些。”巧合的是，以小米盒子為例，它從剛發佈開始，這三個問題都經歷了一遍。首先是政策門檻。據業內人士介紹，目前我國對於互聯網電視以及類盒子產品最有約束的政策，是來自于廣電總局2011年下發的《持有互聯網電視牌照機構運營管理要求》，業內俗稱“181號文”。該文件規定，互聯網電視集成機構所選擇合作的互聯網電視終端產品，只能唯一連接互聯網電視集成平台，終端產品不得有其他訪問互聯網的通道，不得與網絡運營企業的相關管理系統、數據庫進行連接。這就意味著，想做互聯網電視及各種盒子的廠商，必須與CNTV、百視通、南方傳媒、華數、中國國際廣電電台的CIBN、湖南廣電、中央人民廣播電台的CNBN這7大廣電總局認可的平台方合作。去年年底，小米高調發佈了小米盒子之後不到10天即被叫停，就是因為違反了181號文的規定。之後，小米通過與CNTV達成合作解決了這一問題。版權問題，是壓在盒子們身上的第二座大山。之前各視頻網站一直圍繞的視頻版權問題打著各種訴訟戰、口水戰。而隨著廠商們“客廳戰略”的火熱，版權戰火又燒到了盒子身上。不久之前，優酷土豆集團就向海澱區法院提起訴訟。優酷土豆認為小米盒子涉嫌對其擁有版權的10部劇目侵權點播，要求小米盒子立即停止侵權行為、公開賠禮道歉，並賠償510萬元。對此，小米方面認為小米盒子自身並不提供內容，所有內容都是由平台方CNTV提供。不過，硬件廠商是否能借此完全避開版權的風險，還需要法院的最終裁定。第三個門檻，則是來自于專利問題。在智能手機發展初期，全球巨頭們如蘋果、三星、微軟、HTC等之間爆發了激烈的專利大戰，最終通過和解、互相授權等方式逐步達成了平衡。當然，一些廠商也為此付出了不菲的代價。在上一波智能機的專利大戰中，僅在國內發展的國產廠商們由於在巨頭的目光之外，基本都沒有受到波及。而盒子市場不一樣，從同洲電子此次挑起的專利訴訟來看，接下來專利很可能會成為國內的盒子廠商們用來制約對手的武器。“基本上，目前在國內做機頂盒相關產品的，都繞不開我們這些專利。”劉祥告訴記者，他們目前尚未與樂視等其他廠商接觸，“我們對合作溝通一直很歡迎”。混戰縱容山寨廠商？在PC代表的桌面互聯網，手機代表的移動互聯網相繼爆發之後，越來越多的廠商開始相信下一波的機會將來自于電視互聯網。除了自己做互聯網電視，直接做一個電視盒子成為大家搶佔客廳最便捷的武器。目前已經推出盒子的廠商有小米、樂視、阿里巴巴等互聯網企業，代表傳統企業陣營的同洲電子也推出了自己的盒子產品。另外，就在10月17日，通信廠商華為也正式上線了自己的“華為秘盒”。接下來，還會有更多的廠商扎堆這一市場。張毅認為，在前述“三座大山”的壓力之下，由於競爭環境尚不明朗，短期內山寨廠商們反而會得到比小米、樂視們更大的機會。“因為不做品牌的話，就可以規避政策、版權、專利等等問題。”張毅說，現在深圳的山寨廠們歷經了上網本、安卓手機、平板的興衰之後，正在著急地尋找下一步方向，“盒子還有可穿戴設備是兩個重點關注的方向。”“在小米、樂視這些廠商通過各種各樣的手段教育市場之後，也許山寨廠們就會一擁而上。”張毅表示。不過，長遠來看，客廳的爭奪戰最終還是要靠真正有實力、有品牌的企業來說話。至於最終贏得話語權的是互聯網企業，還是硬件製造商，或者是傳統廣電陣營，目前暫時還無法判斷。當然，前提是廠商們互相尊重，並且共同打造一個健康、公平競爭的生態環境。迷你倉

Source: The Wisconsin State JournalOct.存倉 19--CHAMPAIGN, Ill. -- When the two Ohio guys got together last week -- both of them football players, both of them linebackers -- there must have been some lively give and take between Chris Borland and Chris Spielman.Borland, from Kettering, Ohio, is the inside linebacker for the University of Wisconsin football team who is putting together a monster senior season.Spielman, 48, from Massillon, Ohio, was a two-time All-American linebacker at Ohio State, a former Lombardi Award winner who went on to a Pro Bowl career with the Detroit Lions and now works as an analyst for ESPN.Borland's memories of Spielman as a player are from his time with the Lions."I was a Packers fan, so I grew up watching (Brett) Favre carve him up a little bit," Borland said. "We joked about that."But most of the limited time the two spent together was Borland being a sponge and soaking up any tidbits he could from Spielman."He's an absolute inspiration for a linebacker," Borland said.Spielman worked plenty of UW games before the 35-6 victory over Northwestern and had great respect for Borland. But Spielman came away even more impressed after watching what he believes is one of the nation's best college linebackers performing at the top of his game."You can take all of the measurables you want, the one thing he's always done, he makes plays," Spielman said in a phone interview this week. "There are a lot of guys that are 6-4, 240, 4.5 (second) 40 guys, but you look at their production, it's not where his is."He's got the most important quality that overcomes any of the measurables where he might be lacking -- that's the ability to make plays. He's got a great burst, he has instincts, he's got all of the tools necessary to be successful."The 25th-ranked Badgers (4-2, 2-1 in the Big Ten Conference), face Illinois (3-2, 0-1) tonight at Memorial Stadium, with Borland coming off a highly productive two-game stretch. He matched a career high with 16 tackles against Ohio State. He set the mark on UW's most recent trip to Champaign, a 28-17 win in 2011.On top of that, UW coach Gary Andersen announced Thursday there's a chance Borland will attempt long field goals for this game -- anything in the range of 45 yards. Borland has never attempted a field goal in a game, though he was 3-for-3 on extra-point attempts against Hawaii as a freshman in 2009."Nothing with Chris surprises me anymore," sophomore quarterback Joel Stave said earlier in the week.Stave was referencing a video that was released following a segment Borland taped on the field last week with senior outside linebacker Ethan Armstrong and Spielman. From 30 yards away, Borland called his shot, "crossbar," then threw a football that nailed the crossbar on the first take."It's not an easy thing to do," Stave said. "I think pretty much all of the quarterbacks have done that at some point in their careers. Coming off the field after summer workouts, we'll all line up on the 40 or something and chuck it at the crossbar. We'll get it every once in a while."Borland's skills with a ball, whether kicking or throwing, are legendary. He's said to be able to throw a pass 40 yards -- with his off hand. A former soccer player, he has been known to aim the Jugs machine at his feet, then tip the high-speed footballs with a foot up to his hands.But it's his linebacker skills that have earned the notice of NFL teams. Borland is listed at 5-foot-11 but said early in his college career he's actually 5-10. At one point, the 2014 draft appeared to be another referendum on height, just like it was for former Badgers quarterback Russell Wilson in 2012.But Borland is playing so well right now, Spielman said his lack of ideal height should not be an issue."I know the scouts like him, I've talked to a couple NFL guys," Spielman said. "The thing he does, he's got a burst. He can get off blocks, he has instincts and he produces."Now, I don't know how that will translate into what round he will get drafted in, but it translates into being a good football player that certainly, if he stays healthy, I think will have a good career in the NFL."It begins with tackling, something of a lost art in college football. During last week's broadcast, Spielman noted Borland's proper tackling form, keeping his head up."See what you hit an儲存 hit what you see," Spielman said during the broadcast."I just don't think it's emphasized at practice, and (players) are not held accountable," Spielman said during the interview. "I've talked to many coaches about that, I think they're trying to get back to that."The reason for that, one, is everybody is so into scheme now ... and nobody wants to get anybody hurt at practice (by tackling). You don't have to take guys down, you can still emphasize it and hold people accountable to the fundamentals at practice."Borland didn't become a linebacker until he arrived at UW, so he credits his former position coaches with teaching him how to tackle."They all stressed the fundamentals of tackling," Borland said. "We've felt the benefits of that. I think we have a lot of sure tacklers on our defense. It's important. Not only is it the right way to make plays, you also keep yourself healthy and force takeaways, too."When Borland gets knocked to the ground, he always bounces up quickly. Spielman referenced the play against Ohio State, where Borland missed his first shot at speedy quarterback Braxton Miller, then scrambled to his feet and still made the tackle after a short gain.Spielman said perhaps the best NFL comparison for Borland is Zach Thomas, who was listed at 5-foot-11 and played 12 seasons for the Miami Dolphins, making the Pro Bowl eight times, with more than 1,700 tackles."From what I've seen, the best way to describe Chris is he's a natural playing the position," Spielman said. "I don't want to say it's effortless, but he sees it, he feels it. I call him a more athletic Zach Thomas."One reason height is not as crucial as it used to be for inside linebackers is because the game is changing. Linebackers are being asked to play in space more in pass coverage, as opposed to taking on blocks from linemen in a confined space."Maybe when I was coming out that was an issue," said Spielman, who was listed at 6 feet. "I know it was an issue for me. But nowadays, when you have guys (under 6 feet) who have played that position at a high level, like Zach, or London Fletcher or Sam Mills or Mike Singletary ... as long as you're producing, I don't think that's the major issue anymore."Borland has produced, with 364 career tackles -- including 44 1/2 tackles for loss. He has 15 career sacks, 18 pass breakups, three interceptions and six fumble recoveries. He needs just one forced fumble to tie the FBS record of 14, which is shared by five players.The issue for him in the NFL will be the same thing as for most linebackers: trying to hold up in pass coverage against lightning-quick running backs such as the New Orleans Saints' Darren Sproles."You can get the best linebacker ever to walk the face of the earth, he's not going to match up with Darren Sproles," Spielman said."The biggest challenge (Borland) will have is the demands put on him in man coverage. Because those guys are so fast and so quick, it's tough to deal with."Borland may not run a great 40 time at the scouting combine in February, but he compensates with his quickness and athleticism."I think he's very quick," Spielman said. "Quickness is more important than 40-yard speed. As long as he plays quick, and what he does have is a burst, he can change directions fast."Maybe the best quality Borland has is his mind. He enhances the physical skills he has with great instincts, honed from hours of watching video."People ask me what quality as a linebacker I valued most," Spielman said. "One was my vision, you can see things developing. Things happen fast when you're standing four yards across from the ball and people are going different directions. You have to be able to see it. He sees it."In the end, playing linebacker is not all that complicated, Spielman said."Linebacker comes down to two things, see the ball and get the ball," Spielman said. "If you get there faster than anybody else, you'll be a player.""They all stressed the fundamentals of tackling. We've felt the benefits of that. I think we have a lot of sure tacklers on our defense." -- Senior inside linebacker Chris Borland on how coaches have helped the defenseCopyright: ___ (c)2013 The Wisconsin State Journal (Madison, Wis.) Visit The Wisconsin State Journal (Madison, Wis.) at .wisconsinstatejournal.com Distributed by MCT Information Services迷你倉

香港居民的個人人民幣終於出現突破，文件倉金管局向人民銀行提出取消港人每日兌換2萬元人民幣限制，人行首次表示有關建議可行。金管局總裁陳德霖指現時香港日均人民幣外匯交易量達100億美元，對資金池的信心亦更強，冀建議可盡快落實，有助銀行推出理財產品。倡在離岸市場平盤金管局及銀行公會代表團昨日會見人民銀行行長周小川、外匯局局長易綱及中銀監副主席王兆星。金管局向人行建議，取消香港居民每日兌換2萬元人民幣的限額，由在上海平盤改為在離岸市場平盤，而香港居民匯款、企業在貿易項下的平盤以及兌換安排則不受到影響。陳德霖稱，人行認為有關建議可行並會積極考慮，但未有具體時間表，金管局將會與人行跟進，希望盡早落實，認為取消限制可方便銀行推出及銷售理財產品。香港居民每日個人人民幣兌換額受《清算協議》限制，自○四年至今一直未有改變。今年香港人民幣存款總額重拾升勢，香港的離岸人民幣存倉金池總額近9,000億元人民幣，較兩至三年前更具廣度及深度，現時每日人民幣外匯市場的平均即期及遠期交易規模達100億美元，陳德霖認為足夠應付香港居民兌換買賣理財產品的需求，而提出建議與競爭力無關，主要是由於當局現時對資金池信心更強。銀公：有利個人投資銀行公會主席洪丕正表示，放寬建議若落實，將大幅便利香港居民的投資，活化整體人民幣投資產品及財富管理，但內地的人民幣進出量主要來自企業的貿易項，遠超於個人項下資金流，個人人民幣存款量僅佔資金池約三成，不認為取消兌換限制會令香港的人民幣存款量急增。在現行限制下，客戶若希望兌換大額人民幣資金，需時多日處理，永隆銀行存款部主管龔志明認為，除了造成資金調配不靈活之餘，亦為客戶帶來投資人民幣的心理障礙；若撤銷兌換限制，對人民幣存款會有很大刺激作用，能提升本港人民幣存款量的增速，且必然能夠提高人民幣產品的深度及闊度。儲存

URL:.chinanews.com.cn/it/2013/10-20/5400777.shtml　　李某在淘寶網購買10台聯通版蘋果手機，self storage卻收到11台港版蘋果手機。為此，他將賣家深圳市創想時代科技有限公司告上法庭，要求按“假一罰十”的承諾賠償。記者昨天獲悉，通州法院審理後認為“港版”iPhone非“假貨”，一審駁回了原告的訴訟請求。　　2010年4月7日，李某通過淘寶網向被告訂購了10台單價為5480元的聯通版iPhone16G手機。下單後，他很快通過支付寶支付貨款54820元(包括20元運費)。當日，被告將貨物快遞寄給李某。簽收貨物時，李某發現寄送的貨物是港版iPhone，而非其訂購的聯通版。不過，李某並未拒收，而是在備注處注明“貨不符”，隨後簽收了貨物。此後，李某就前述訂單申請退貨，理由為“收到的商品不符”、“貨不是聯通版，而且沒有入網許可證，是假劣偽冒手機”。　　收到退貨信息後，被告公司通mini storage李某將貨物原封退回，但李某並未退回，而是通過淘寶客服，要求協調解決賠償問題。其間，被告再次要求李某原封退還貨物，但李某未予理會，並表示要通過法律途徑解決糾紛。　　李某後起訴到法院稱，被告在其數碼專營店網店中宣傳“本店銷售商品一律為行貨正品，均可享受正規品牌相關售後服務！假一賠十！”故要求賣家給付貨款的十倍賠償。　　在審理過程中，李某將所收到的11台港版iPhone16G手機提交法庭進行當庭勘驗，經法院查驗，該11台手機均已拆封使用，外觀全部有使用磨損。　　法院認為，李某明知“貨不符”，應當拒收或要求退、換貨，而其不但簽收該批貨物，且拒絕退貨，並全部拆封使用涉案11台手機。同時，考慮到港版正品與行貨正品是兩種不同的商品，均為蘋果公司生產的正品，在銷售價格上相差不大，且賣家提供的11台港版手機與10台16G聯通版手機的市場價格基本相當，因此港版正品不能認定為 “假劣偽冒產品”，不能適用“假一賠十”的罰則。迷你倉

BEIJING, Oct.迷你倉 18, 2013 /PRNewswire/ -- Infosys has been positioned as a Leader in Gartner's International Retail Core Banking* report for the seventh time in a row for its Finacle(TM) core banking solution. The solution was recognized from among 20 global vendors, who were evaluated on two key parameters: ability to execute and completeness of vision. On both the parameters, Finacle(TM) was positioned furthest within the Leaders Quadrant. The Gartner Magic Quadrant for International Retail Core Banking report can be accessed here( .infosys.com/finacle/solutions/Pages/leader-global-core-banking-market-2013.aspx ).According to Gartner, "Vendors in Leaders Quadrant tend to possess high-order market understanding -- they make it their business to monitor market trends, funneling progressive innovation into their product road maps. About half of this group either possess software development quality certifications (such as CMMI) or are pursuing them. With few exceptions, the Leaders are progressively 'thinking small' or targeting component-based architecture as a gateway to providing increased accessibility to the granular functionality that banks need to drive the basis for differentiation."Quotes:Don Free, Vice President, Gartner Inc.:"Gartner has evaluated the competitive landscape of core banking vendors that service the future of the international retail banking market. This evaluation uncovers the leading strategies of these vendors and products, reveals their underlying product/service capabilities, and affirms their relevance to the changing conditions of the banking industry. This Magic Quadrant can assist CIOs by focusing on what matters most -- the relevance of vendor and product attributes to the alignment of critical business strategies and technology trends."Haragopal M, Global Head - Finacle, Infosys:"At Infosys, we are very happy that Finacle is playing a crucial role in enabling our client banks to achieve their vision of scale, and help them introduce new products and services, while simultaneously deliver a high quality banking experience to their customers. Our consistent high rating over the years in the Gartner Magic Quadrant underlines our strong commitment to ensuring Finacle(TM) remains the solution of choice for the global banking industry."*Gartner, Inc., "Magic Quadrant for International Retail Core Banking," Don Free and Ethan Wang, October 8, 2013.Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings. Gartner research publications consist of the opinions of Gartner's research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respectself storageto this research, including any warranties of merchantability or fitness for a particular purpose.About InfosysInfosys is a global leader in consulting, technology and outsourcing solutions. We enable clients, in more than 30 countries, to stay a step ahead of emerging business trends and outperform the competition. We help them transform and thrive in a changing world by co-creating breakthrough solutions that combine strategic insights and execution excellence.Visit .infosys.com to see how Infosys , with $7.4B in annual revenues and 155,000+ employees, is Building Tomorrow's Enterprise(R) today.Safe HarborCertain statements in this release concerning our future growth prospects are forward-looking statements, which involve a number of risks and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, fluctuations in foreign exchange rates, our ability to manage growth, intense competition in IT services including those factors which may affect our cost advantage, wage increases in India, our ability to attract and retain highly skilled professionals, time and cost overruns on fixed-price, fixed-time frame contracts, client concentration, restrictions on immigration, industry segment concentration, our ability to manage our international operations, reduced demand for technology in our key focus areas, disruptions in telecommunication networks or system failures, our ability to successfully complete and integrate potential acquisitions, liability for damages on our service contracts, the success of the companies in which Infosys has made strategic investments, withdrawal or expiration of governmental fiscal incentives, political instability and regional conflicts, legal restrictions on raising capital or acquiring companies outside India, and unauthorized use of our intellectual property and general economic conditions affecting our industry. Additional risks that could affect our future operating results are more fully described in our United States Securities and Exchange Commission filings including our Annual Report on Form 20-F for the fiscal year ended March 31, 2013 and on Form 6-K for the quarter ended June 30, 2013. These filings are available at .sec.gov. Infosys may, from time to time, make additional written and oral forward-looking statements, including statements contained in the company's filings with the Securities and Exchange Commission and our reports to shareholders. The company does not undertake to update any forward-looking statements that may be made from time to time by or on behalf of the company unless it is required by law.Infosys迷利倉

許亦妮（Whitney）日前與莊思敏一同到中環出席「BOLLINGER 香檳大派對」，儲存提起其太陽集團富有高層男友盧啟邦（Andrew），許亦妮即甜絲絲，問及男友有否提供更多電影工作機會？許亦妮表示：「我們的友誼不涉及工作。」提及許亦妮被偷手機，問到有否存放大量親密照？佢笑道：「部紅色iphone買了一迷你倉才用，全新未有放相，我都唔開心呀，另一部就放�好多相。」直認是好好傾的朋友至於被踢爆在fb暴露與Andrew拍拖行蹤，她即嬌嗲說：「哎�，冇呀！ 我點拍拖，成班人去旅行，總之我們是好好傾朋友，他社會經驗比我豐富，年紀比我大。」返屋企見家長？許亦妮謂：「家姐屋企，fb成日tag人，我都可以話同你�一齊。」self storage

Source: Post-Bulletin, Rochester, Minn.文件倉Oct. 19--Two of the top four teams in the Class AA state volleyball rankings are in the Section 1AA volleyball playoffs.Four of the top nine ranked teams in Class A are in the Section 1 playoffs.Only one team in Section 1A and one in 1AA can make it to the Xcel Energy Center for the state tournaments, Nov. 7-9. That means a lot of good volleyball players will have their seasons come to a close without the opportunity to play for a state title, or even a section title.Such is life annually in Section 1 volleyball.Section 1A playoffs begin Monday with six first-round matches. The Section 1AA tournament begins Thursday with subsection quarterfinal matches at eight home sites.SECTION 1AAEast SubsectionTop-seeded Chatfield (21-8) is unranked, but head coach Troy Swancutt's Gophers are on quite a roll heading into the postseason.They have won 11 of their past 12 matches, with the only loss in that stretch coming at Fillmore Central, the top-ranked team in the state in Class A. Half of the Gophers' eight losses came against ranked teams -- two against Fillmore Central, one against Belle Plaine (No. 3 in Class AA) and one against Concordia Academy (No. 10 in Class AA).Chatfield is one of just two teams in the subsection, along with No. 3 seed Dover-Eyota (11-7), with a winning record. The Gophers are led by a pair of seniors -- setter Gabrielle Salisbury and libero Alex Duxbury.No. 2 seed Caledonia (13-16) is the defending section champion. It has won five of its past six matches, losing only a home match against Fillmore Central in that stretch.No other team in the subsection has more than eight victories.West SubsectionJust how dominant has top-seeded Stewartville (22-1) been this season? The Tigers didn't drop a game until their 12th match of the season, a 3-1 victory against Kenyon-Wanamingo.A balanced and talented team, No. 2-ranked Stewartville's lone loss this season was a 2-1 setback to Prior Lake, the No. 8-ranked team in Class AAA, in the championship match of the Eastview Invitational on Oct. 12. Stewartville is led by senior setter Stephanie Schmidt and senior hitter Maddie Hettinger.If the seeds hold up, a rematch of last year's subsection final will take place between Stewartville and No. 2 seed Kasson-Mantorville (24-5), the No. 4-ranked team in the state in Class AA. K-M, which defeated Stewartville in last year's subsection final, dropped a 3-0 decision to the Tigers in their only meeting so far this season.This subsection figures to be competitive throughout the postseason, as seven of the eight teams have at least 10 wins this year.Third-seeded Cannon Falls (15-7) will be no pushover. The Bombers went 10-2 in Hiawatha Valley League play this season, losing only to Stewartvi存倉le and K-M.SECTION 1AEast SubsectionAt least one team in top 10 or receiving votes in the Class A state poll won't make it as far as the subsection title match. No. 1-ranked Fillmore Central (29-2) is the top seed in the subsection, while No. 7-ranked Mabel-Canton (30-2) is the No. 2 seed. Goodhue (20-7) is receiving votes in the state rankings and the Wildcats are the No. 3 seed in the subsection.And the team lurking as the No. 4 seed? Defending subsection champion Wabasha-Kellogg.The top-seeded Falcons are by far the hottest team in the section right now. Their only losses this season came to Rosemount, a 20-win Class AAA school, in mid-September at the Wabasha-Kellogg Invitational. Fillmore Central has won 18 consecutive matches and, remarkably, has dropped just one game in that span.The Falcons are led by their two seniors, hitters Taylor Case and Tori Peterson, and junior setter and captain Morgan Malley.Led by all-state hitter Belle Sand, the Mabel-Canton Cougars are back in the hunt for another subsection title. The Cougars, who have six seniors with a good amount of postseason experience. Their only losses this season came at the Class A Showcase to No. 2-ranked Southwest Christian and No. 4 Win-E-Mac. M-C hadn't lost a game in any of its victories this season until it beat Lyle/Pacelli 3-1 on Tuesday in the Southeast Conference championship match.Goodhue, the No. 3 seed, has lost seven times this season, with five of those coming against ranked teams. The other two setbacks came against Cannon Falls, a Class AA team, and W-K, the defending subsection champ. The Wildcats are playing well in recent weeks, winning seven of their past eight matches.West SubsectionThis subsection includes the No. 5-ranked team in the state, defending state champion Faribault B.A. (13-9) and the No. 9 team in the state, Hayfield (15-7). They are the top two seeds in the subsection, which figures to be more competitive than it has been in recent seasons, as five of the top six seeds have at least 13 victories.Hayfield has been strong against Class A teams. Five of the Vikings seven losses came against Class AA or AAA teams, while another came at the hands of Goodhue, a 20-win team that has received votes in the state poll. Hayfield is led by senior hitter Dani Wagner and setters Jessica Foster and Maggie Streightiff.Third-seeded Medford is 22-7, while Blooming Prairie, the No. 4 seed, is 21-6. Lyle/Pacelli, the Southeast Conference West Division champion, is the No. 6 seed with a 14-10 record. Blooming Prairie has won seven of its past eight matches and had a nine-match winning streak earlier this season.Copyright: ___ (c)2013 the Post-Bulletin Visit the Post-Bulletin at .postbulletin.com Distributed by MCT Information Services儲存

（日本 東京18日訊）根據亞洲發展銀行表示，迷利倉氣候變遷將使東亞發生更多水災和乾旱，如果不採取措施解決的話，2100年前年度國內生產總值（GDP）恐減少5.3%。亞銀在“東亞氣候變遷對經濟的影響”報告中表示，中國、日本、蒙古和南韓溫度攀高，將造成沿海地區更多水災和熱帶風暴，北方農業區域更容易發生旱災。這分報告強調，如果繼續放任2010年占全球碳排放量30%的東亞，氣候變遷恐造成的風險。中國全力追求經濟成長的模型，使中國成為全球碳排放量最多的國家，甚至使城市籠罩在超過世界衛生組織自存倉WHO）建議標準近40倍的煙霧中。亞銀在報告中表示：“東亞必須改變經濟成長模型，朝低碳排放量和更有效率使用資源的方向走。中國降低溫室氣體的措施，應該要大幅改善當地空氣品質，也要減少對城市人口健康的傷害。”根據這份報告，目前預估指出2090年區域平均溫度，將比1961至1990平均溫度高攝氏3.8到5.2度。1970年來與氣候相關的天災已讓中國支出2590億美元、日本640億美元、韓國150億美元、蒙古20億美元。亞銀在報告中表示，這段期間這些數據占GDP不到0.2%的比重。;迷你倉