He visited the Best Buy website and selected a few items for his siblings. The bill came to $117, and Harper, 18, paid for the purchases with his debit card.
"I didn’t really think twice about using my
debit card," said Harper, an environmental science freshman at the
County College of Morris. "I used it because it’s the only card that I
own and I figured that Best Buy would be safe … and I didn’t think that
they could go in and freeze my money like they did."
Best Buy put a $117 "authorization hold" on the Long Valley man’s account, a common practice when debit cards are used.
a merchant places a "hold" on the amount of the purchase, it basically
puts that money to the side, on reserve and out of your checking
account,High quality stone mosaic tiles. until the purchase is finalized.
a common practice for restaurants. Eateries do this because when you
present your card and the business runs the transaction through, it’s
often not the final amount of the bill, as many consumers choose to add a
tip to the card.
Debit transactions are typically a two-step
process. First, an authorization hold for a transaction is placed on the
account at the time of purchase. Later, usually at the end of the day,
for purchases that are completed, the merchant processes a batch
transfer and funds are actually transferred, said Tom Feltner, director
of Financial Services for Consumer Federation of America, an association
of nonprofit consumer organizations.
"It can take around one
business day for the authorization hold to fall off the account
balance," Feltner said. "While this temporarily reduces the availability
of funds, the authorization hold doesn’t mean that those funds were
transferred to the merchant."
But they’re not available for the
account holder, either. Subsequent transactions could be rejected or
result in an overdraft, as the Harpers feared.
OC Transpo has
contended with hundreds of reports of fumes on its buses this year,
according to a log released to the Citizen last week under
access-to-information legislation. The Citizen filed a request for the
document after a driver of a double-decker bus was sickened by fumes
from his own bus, leaking into the cabin from a faulty gasket.
The exhaust systems on OC Transpo buses are fully inspected at least twice a year, the agency’s Jim Greer said Monday by email.
note is the fact that, to meet its daily service commitments, OC
Transpo performs over 8,500 trips while using 816 buses twice daily and
1,500 operators. All reported fumes/odors incidents are documented
through OC Transpo’s Control Centre and are either reviewed by its
mobile service trucks or scheduled for further inspection at a
maintenance facility,” he wrote. By implication, the 337 fume reports
logged by OC Transpo’s own operators in 2012 aren’t a sign of a serious
The president of OC Transpo’s drivers’ union said last
week that clogged ventilation filters don’t necessarily keep out all the
contaminants they’re supposed to, including exhaust fumes that get
sucked in particularly when buses are stuck nose-to-tail on the
Transitway at rush hour. Greer wrote that they’re actually not supposed
to screen out fumes from other vehicles.
“Fresh air filters are
installed on every OC Transpo bus, however their purpose is to stop the
ventilation system from bringing in dust and dirt into the system, not
to stop fume ingress or purify the air,If you have a fondness for china mosaic brimming with romantic roses,” Greer wrote.
KAFD Portal Spas, by the architectural firm WORKSBUREAU, are a duo of
diaphanous, polygonal structures--one for men, one for women--that are
going to raise the bar on decadence. Because between services, pampered
patrons will make their way through meadowlike gardens growing within
the building--a three-story tower of life within a massive,
light-flooded atrium. Indeed, while they’re called “spas,” the buildings
may be the most striking greenhouses you’ve ever seen.
part of what makes the effect possible is an outer shell fitted with
Tessellate panels, a technology created by Chuck Hoberman. They’re built
from four layers of perforated titanium, two of which are kinetic,
driven by small linear motors. “As the layers overlap,The MaxSonar ultrasonic sensor
offers very short to long-range detection and ranging. the result is a
kaleidoscopic visual display of patterns aligning and then diverging
into a fine, light-diffusing mesh,” Hoberman tells Co.Design. “In the
extreme climate of Saudi Arabia,Argo Mold limited specialize in Plastic injection mould manufacture, with its incandescent solar intensity, the screens will allow a dappled,A wide range of polished tiles for your tile flooring and walls. softened light--like that of a forest canopy-- to diffuse into the spaces during the day.”
PNC tower is designed to be a warm, inviting place--as much as an
impersonal skyscraper can be. Located in the middle of downtown
Pittsburgh (AKA the Golden Triangle), the tower will engage the
community around it with an open lobby (Ko describes it as "a living
room for the city"), retail space at the base of building, and a
300-person auditorium and theater that can be used by the general public
outside of business hours. Local partners and consultants are being
used whenever possible in construction of the building. The tower will
also quite literally be transparent. "The last thing [PNC] wants to do
is hide behind a fortress," says Ko.
Each two story
"neighborhood" will contain office spaces on the bottom floor and a
common area on the other with a space for a pantry or coffee station.
Bathrooms will also be located in this space. "It’s about bringing
people together, creating spaces that encourage people to have chance
encounters," explains Ko.
Comfort is also emphasized in the
design; 91% of the building will be lit by daylight, and nearly 100% of
the spaces where people spend their time will have enough natural light
so that only desk lamps are necessary. The building "breathes" with a
double-skin facade: a natural ventilation system that has a glass outer
weather and air barrier and an inner layer with automated air vents, a
wood curtain wall, and manually operated sliding doors. A series of
automatic sensors on both layers open up the building for air when the
weather is nice.
Building denizens can step out onto a ledge
between the two skins if they want even more air. "If people have
control of the environment they’re in, they’re going to be more content,
they’re happier, and because they’re happier they’re more comfortable,"
says Ko. And if people are more comfortable, studies have shown that
they’ll be more efficient.
When you open a door or window in
other double-skinned buildings, it feels like air is being pushed out,
but Gensler has managed to design the PNC tower so that workers instead
get the sensation of air coming in. The secret is a system that creates
natural suction at the center of the building, so that when a person
opens up a door, air moves inward--not in gusts, but gently.
solar chimney will draw exhaust and warm air up and out of the building,
while the double-skin will pull air in--a technique that can
dramatically cut down on energy use. A solar photovoltaic array will lie
on top of the chimney. Passive natural ventilation can be used for 42%
of total working hours in the building, and the abundance of natural
light will cut down on energy use even further.
PNC plans on
sharing much of the data that the building yields, much as the
high-performance buildings around the world that Gensler visited while
planning the project shared their own data. Ko wrote in an email: "PNC
has not discussed what they will share in specific, but based on our
experience with them and their history, I would expect a real
transparency of information that includes building performance metrics
on energy consumption and water conservation. What I would hope we can
talk about too is employee satisfaction and worker productivity numbers.
It would be great to have 'scientific data’ that shows how a building
like this improves the human experience and thus positively impacts an