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Finance and Insurance in Russia
Report Id:
Banking & Insurance
Published Date:
Aug 2019
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Report Description
Table of Content
The revival of the Russian economy from the 2015-2016 recession was the primary factor contributing to the industry's growth in 2017. During the year, the country's exports, capital spending and private consumption witnessed a recovery. Higher oil prices played an important role in the turnaround, as they witnessed double-digit growth in 2017. All this translated into stronger credit growth. For instance, the value of loans in Russia rose by 5% over 2017, compared with a 4% fall in 2016, as cons...
Euromonitor International's Industrial reports provide a 360 degree view of an industry. The Industrial market report offers a comprehensive guide to the size and shape of the Finance and Insurance market at a national level. It provides the latest retail sales data, allowing you to identify the sectors driving growth. It identifies the leading companies, the leading brands and offers strategic analysis of key factors influencing the market - be they new product developments, packaging innovations, economic/lifestyle influences, distribution or pricing issues. Forecasts illustrate how the market is set to change.
Product coverage: Insurance and Pension Funding, Monetary Intermediation.
Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.
Why buy this report?
* Get a detailed picture of the Finance and Insurance market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market's major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.
Euromonitor International has over 40 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo and Bangalore and a network of over 800 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.
Euromonitor International
March 2019
Russia's Economic Recovery Kick-starts Spending on Financial Services
Banks Increasingly Focus on Online Services
Life Insurance Booms
Competitive Landscape
Banks Hurt by Existing and New Sanctions
Government Is Restructuring the Industry Via Bailouts and Regulations
Industry Overview
Chart 1 Turnover
Chart 2 Value Added , LCU million
Chart 3 Profit and Profit Margin
Chart 4 Turnover by Category , LCU million
Chart 5 Monetary Intermediation Turnover
Chart 6 Insurance and Pension Funding Turnover
Cost Structure
Chart 7 Cost Structure , LCU million
Chart 8 Costs' Structure
Chart 9 BB Costs
Chart 10 Evolution of BB Costs
Chart 11 Imports, Exports and Trade Balance , LCU million
Chart 12 Exports by Category
Chart 13 Imports by Category
Market Structure
Chart 14 Market Structure , LCU million
Chart 15 Market Structure by Category , LCU million
Chart 16 Market Structure by Buyer
Chart 17 Demand Structure
Chart 18 BB Buyers
Chart 19 Evolution of BB Buyers
Chart 20 Employment Statistics and Productivity
Chart 21 Industry Concentration , % share of Turnover
Chart 22 Top Companies' Shares , % of Turnover
Chart 23 Top Companies' Share Dynamics , % of Turnover
Chart 24 Turnover Performance by Company
Industry Context
Chart 25 Industry vs GDP Performance , % YOY growth
Chart 26 Finance and Insurance vs Other Industries , LCU million
Chart 27 Industry Turnover by Region , USD million
Chart 28 Finance and Insurance in Eastern Europe , USD million

subset: commoncrawl


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Exciting night for the AquaTrojans against the Greensburg Pirates on Tuesday in St. Leon. EC won a very close meet on the Girls side with the Boys also taking home the victory. The scores were:
EC Girls 92
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EC Boys 138
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Jackson Ketcham 200 IM, 100 Back
Caroline Walters 50 Freestyle
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Advocacy strategy
During the Eastern Europe Regional Youth Advocacy Workshop on Global Citizenship Education (GCED) from 3-6 May 2016 in Chisinau, Republic of Moldova, 30 participants discussed solutions to 6 global issues in groups and how to contribute to implementing them as young people.
Discussion topic of Group 1 was Climate Change. The group discussed how to raise public awareness of the urgent issue and how to involve more people in saving natural resources such as water and energy. They came up with creative social media strategy with a unique hashtag that could be used with different messages customized for different target groups.
Group 2's discussion topic was Ending Poverty. Their strategy was to involve more NGOs through which they could raise public awareness on the critical global challenge faced by humanity. The group came up with a creative strategy called 'social media campaign, Broken Telephone,' which helps people understand complex issues in simpler, more interactive and fun way.
Group 3 discussed how to solve Youth Unemployment issue, which has become a serious concern around the world. They first identified that the education system doesn't equip students with skills required by the current labour market and suggested involving governments in solving the issue. Their message was clear and appealing to many participants of the workshop.
Group 4 discussed how to improve Access to Quality Education. Issues to be tackled included lack of quality teachers, poor infrastructure and facilities, inequality and prejudice in school, and lack understanding of cultural diversity. One of the suggested solutions was to improve teachers' training as well as to make the book 'Compass' available in different language.
Group 5 discussed Global Health issue with special focus on the drug and alcohol abuse by high school youth. Their goal was clear and achievable, and the strategy was simple. The proposed solutions were to organize conferences and workshops to raise awareness, and involve public figures in the movement of helping save young people from drug and alcohol abuse. Also, they suggested creating an Ambassadors Club of youth who have overcome the abuse issues. The idea was for them to become role models for other young people and guide them to right direction. They suggested using social media networks throughout the process.
Group 6's discussion topic was Equality. Main challenges to achieve equality are lack of comprehensive sexual and gender education, discrimination at school, lack of cultural understanding, diversity and inclusiveness. The group proposed to launch a social media campaign to raise public awareness of the issue which influence everyone direct and indirect way. Their message was clear and easy to understand.
Back to top
Through the group exercise, participants gained better understanding of advocacy as well as the global issues. Each group demonstrated strong creative skills working on the advocacy strategy as well as analytical skills. Participants proved youth's voice is valuable and should be heard and recognized in order to address the global issues effectively.


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Wenceslao hits Alphaland-Ashmore settlement, seeks first right
MANILA, Philippines – Alphaland Development Inc. (ADI) cannot transfer its shares in its joint venture with the Wenceslao Group to London-based private equity fund Ashmore Investment Management Ltd. unless Wenceslao waives its first right to the shares.
ADI is a unit of Alphaland Corporation, the company led by controversial businessman and former trade minister Roberto Ongpin who agreed to give up some of his prime assets to settle a dispute with Ashmore. These assets include Alphaland Bay City (ABC), ADI's joint venture with the Wenceslao Group.
In a statement on Thursday, June 26, the Wenceslao Group said it formally asked ADI last week to "honor its contractual obligations" under the shareholders agreement governing their joint venture. The joint venture has a marina project located in the Manila Bay area near SM Mall of Asia.
Aside from its right of first refusal, the Wenceslao Group said it also has a "tag-along" right, which allows it to sell its holdings in the joint venture on the same terms Alphaland is transferring its shares to Ashmore.
"We need to look at the terms first between Alphaland and Ashmore before we can decide whether to exercise or waive our right of first refusal or invoke the tag-along," it said.
In a disclosure to the Philippine Stock Exchange on June 6, Alpahaland said it ended its dispute with Ashmore by giving up some assets in exchange for Ashmore's exit from the company.
Alphaland signed an agreement with Ashmore-led Alphaland Holdings (Singapore) Pte. Ltd. (AH) and Masrickstar Corporation (MC), transferring 4 of its major assets to a newly incorporated company owned by AH and MC. Among the assets was Alphaland's stake in ABC.
"... but the Wenceslao Group was not asked first whether it would exercise or waive its right of first refusal," the group said.
Ongpin's dispute with Ashmore started after the latter said it was no longer willing to fund Alphaland. (READ: Ongpin vs Ashmore: The real deal) – Rappler.com


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Founder, Alex Vanthournout
Activewear brand Fashercise is where fitness meets fashion, and it has just opened its first ever store in Seven Dials. Founder and former fashion journalist Alex Vanthournout turned Fashercise from a blog into an online shop selling globally sourced activewear five years ago. She tells us about her first foray into physical retail.
Do you think you hit on the activewear phenomenon at the right time?
I think I was really ahead of the curve and very lucky because of that. As my background was in fashion journalism, I was automatically looking at the sportswear industry from a fashion perspective. The things I was buying for myself were always about how I could make them look good, and whether I could go out for brunch wearing them other than just wearing them in the gym.
What kind of brands do you sell?
My whole vision for Fashercise was having an alternative to the Nikes of the world, so focusing on smaller designers which, at the time, was a very new market. We now sell Khloe Kardashian's Good American brand, which has its own cult following, Varley and a lot of Australian brands, including L'urv, which does really well, and THE UPSIDE. I've also just added adidas by Stella McCartney, even though I've always said I wouldn't have a big brand: that's an exception to the rule because it's a collaboration. I'm also going to be having some in-store exclusives, so things that won't be available online.
What is the Fashercise message?
One of the things I really aim for is diversity and body positivity, so I try to carry standard fits to XL sizes in alot of the brands stocked and, for a couple of brands offering larger sizes, we go right up to 4XL. That's why Good American decided to launch in the UK with us. Rather than it being a plus-size brand, it's just a brand that happens to fit every size. We may do a store takeover with a couple of our brands this autumn, where they fill the store with of their entire collection and host an event in collaboration with Fashercise. Good American may be one of them.
What are your key products?
We are very well known for our boxing gloves, and they were even on the front cover the Financial Times 'How to Spend It' magazine earlier this year. Boxercise has become quite a fashionable and popular workout these days for women, and so we have a collaboration with a Dutch boxing glove brand called Fab by Fabienne. We also sell lifestyle trainers from a Scandinavian shoe brand called ARKK, which are among our bestsellers. The trainers are not necessarily for working out, but more for everyday life. One of our activewear brands is called Lilybod,which makes great leggings. Another popular brand is On Rise from London, which does beautiful luxury slogan sweatshirts, such as the Wonder Woman sweatshirt.
Why is Seven Dials the right choice for your first shop?
I love the community feel of Seven Dials; it feels like every street is curated and all the shops belong together. Being on our side of Monmouth Street, it's very focused on women's apparel, beauty or jewellery brands. It's very much about independents and individual style too, compared to what we're used to on the high street. I used to shop at Tatty Devine for their quirky jewellery when I was younger, so it's lovely to be next door to them now, and I have Le Labo perfume on my other side.
What are you planning in-store?
One of the things I'd like to get going in the shop is a regular yoga class, probably on Sunday mornings before the store open's, to kick off the day and have some food, coffee and juice. I really want to use the space for our customers to do different things. Other than that, I'd also like to bring back the running club we used to do with Hoxton Hotel, called Girls Gone Running, though if it had been up to me it would have been called 'The Shit Runners Club!'. It created a community of girls who just wanted
to go for a jog but they didn't necessarily want to have
a personal best time or run marathons. They just wanted to get out to jog once a week with like-minded people – and then drink some bubbles afterwards. As it turns out, London doesn't have a running club for people who are terrible runners!
How would you best sum up Fashercise?
I'm not your typical fitness person. I think a lot of women are intimidated by fitness stores and the messaging can sometimes be really scary. Fashercise is the opposite. The shop is not dressed up as a fitness store; it looks like a normal fashion boutique that just happens to sell sportswear. I wanted it to be very inviting and non- threatening. Fashercise is a very relaxed, all-inclusive take on the fitness world.
46 Monmouth Street
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PRESS RELEASE: VoltDelta announced that CIOReview Magazine has named VoltDelta to its list of the 100 Most Promising Oracle Solution Providers for 2015. A distinguished panel of CEOs, CIOs, VCs, analysts and the editorial board of the CIOReview selected the final 100 companies.
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Discover the ideas used by Professional Roofer near Garwin Iowa
The telephone called at 2:00 in the morning. When the telephone rings at this time, it generally suggests problem, this time, it was exception. The frenzied voice at the other end was declaring that his home ceiling was falling – literally. All the rain that had succumbed to the last 2 days had turned a small roof leak into a water fall. The client was requesting emergency situation roof services, at 02:00 AM, to stop in the middle of a rainy early morning. He was not happy when I explained that it would not be safe to deal with the roof in the darkness. The lesson in here is "do not await rain to fix your roof leak!"
Common Places Leaks Occur in Roofing
This short article will provide the needed knowledge to find a roof leak It will likewise tell you the very best method to obtain your roof fixed. Parts of the roof vulnerable to leakage are the joints in between the roof and the roof installed structures, such as the chimney. The joint in between the roof and a vertical wall; and the joint in between 2 slopping areas – valleys.
While roof leakages are common in many homes, the standard places are the skylights, ice dams, wall step flashings, missing shingles, pipes vent flashing, chimneys, fields of shingles, and heater or B-vent flashings. As common locations, lots of homeowners struggle to find the exact location when it pertains to roof repairs.
Leakages can take place anywhere on the roof and for any number of reasons. Extreme weather which brings rain, snow, wind and hail are hard on the roofing systems. Some roofs leakage since they appear worn out.
[ssvideo keyword="roof repair" title="roofing in Garwin"]
Tips to discover the source of the roof leak.
Individuals usually discover the roof leak after the water begins to drip through the ceiling. However, the source of the leakage is rarely straight above the water stain. These suggestions will assist you locate the sources of a roof leak:
In the attic, start above the ceiling leakage and follow the water discolorations on the deck to the possible source. Look for a ray of sunlight to indicate a nail hole.
Have a buddy hose down the roof while you enjoy the leakage from the within the attic.
If you find a hole, mark the area using a wire hanger through the hole. Make sure your pal is able to locate the wire hanger on the top of the roof.
When you look for leakage on asphalt shingles, start by looking for worn out shingles with dark spots in them. This indicates loss of surface area granules. Look likewise for curled and harmed shingles.
Look likewise for broken or missing shingles.
For those in Garwin, on a roof with a valley, clear out all debris accumulated in the valley. Look for broken or missing flashing product.
The best ways to determine leakage spots and Their Places
An identifiable stain is the mold or wetness around the vents, chimneys, and skylights. These are the intersections where water connects. After discovering the leaking areas, it is very important to move perishable items such as electronics, furnishings, and other home devices as well as capturing the leakage in a container. We have actually seen the films in which containers lie each foot in the house; do not let this happen to your roof. Recognizing the discolorations and places are the primary steps to conserving your house from damaged goods by easy leakages. Your roofing contractor will describe the needed requirements to guarantee your belongings are safe while examining the condition of the ceiling prior to repair.
Basic Emergency situation Repairs to Reduce Leakage for homes in Garwin IA
Taking preventive procedures will conserve you cash in costly roofing repairs. Think about checking and fixing simple problems if your roofer notices leak from your shingles, fractures in your chimney, or broken down flashings. Fix roof leakages immediately. It is not suggested that you do the roof repair yourself due to its intricacy and the needed knowledge of its repairs – besides, it is dangerous. Call a certified and insured roofer who will offer the best insight of looking after your roof along with discuss the procedures that are utilized to eliminate leaks and protect your financial investment.
Carrying out Temporary Defense:
If you are not scared of heights and are handy with tools, you can do some momentary roof repairs. A little bit of tar, couple of roofing nails, and some flashing can get rid of small annoying leaks. Some cases such as the one mentioned below is an easy, easy-to-do repair you can finish to remove persistent leaks.
Water streaming inside the flat surface area of the deck – Simple Roof Repairs:
Take a small crowbar to get rid of the shingle in concern then layer a thick tip of tar across the location. Nail the shingle back down then cover the entire shingle in tar. If you can not utilize the same nail holes, location tar within and on top of the holes to avoid leakage through the deck. Prior to you are done, place another thin layer of tar on the underside of the shingles just for safe-keeping. You ought to see a modification in the location and the leak should end after the tar is applied effectively.
Simple Ways to Limit the Damage
Roofing repairs can be an expensive financial investment for any homeowner. You can limit the damage to your home by acting early. If you feel that your home is in need of an assessment from a roofing expert, make the effort to consult somebody who comprehends the experiences. An easy telephone call to your local roofing contractors can land you in the best position to identify future issues. Home enhancements consisting of replaced shingles, flashings, and decks can make complex the procedure. If you are not a roofing specialist, do not try to attempt complicated projects on your own. Be safe. Let an expert take a look, offer a price quote, and get the job done right with quality products. Consider this investment a long-term agreement for a delighted house.
[google-map location="Garwin IA"]


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Article 43
Broadband Privacy
Monday, March 09, 2020
DNS Tunneling
How Hackers Use DNS Tunneling to Own Your Network
By Ron Lifinski, Cyber Security Researcher
October 22, 2018
DNS Tunneling
Most organizations have a firewall that acts as a filter between their sensitive internal networks and the threatening global Internet. DNS tunneling has been around for a while. But it continues to cost companies and has seen hackers invest more time and effort developing tools. A recent study[1] found that DNS attacks in the UK alone have risen 105% in the past year. DNS tunneling is attractivehackers can get any data in and out of your internal network while bypassing most firewalls. Whether it֒s used to command and control (C&C) compromised systems, leak sensitive data outside, or to tunnel inside your closed network, DNS Tunneling poses a substantial risk to your organization. Heres everything you need to know about the attack, the tools and how to stop it.
DNS tunneling has been around since the early 2000s, when NSTX[2] an easy to use tool has been published to the masses. Since then there was a clear trend - tighter firewall security led to more widespread DNS tunneling. By 2011 it had already been used by malware such as Morto[3] and Feederbot[4] for C&C, and by the popular malicious payload for point-of-sale systems FrameworkPOS[5] for credit card exfiltration.
Why It's a Problem
DNS was originally made for name resolution and not for data transfer, so its often not seen as a malicious communications and data exfiltration threat. Because DNS is a well-established and trusted protocol, hackers know that organizations rarely analyze DNS packets for malicious activity. DNS has less attention and most organizations focus resources on analyzing web or email traffic where they believe attacks often take place. In reality, diligent endpoint monitoring is required to find and prevent DNS tunneling.
Furthermore, tunneling toolkits have become an industry and are wildly available on the Internet, so hackers don't really need technical sophistication to implement DNS tunneling attacks.
Common Abuse Cases (and the tools that make them possible)
Malware command and control (C&C) Malware can use DNS Tunneling to receive commands from its control servers, and upload data to the internet without opening a single TCP/UDP connection to an external server. Tools like DNSCAT2 are made specifically used for C&C purposes.
Create a "firewall bypassing tunnel" - DNS Tunneling allows an attacker to place himself into the internal network by creating a complete tunnel. Tools like IODINE allow you to create a common network between devices by creating a full IPv4 tunnel.
Bypass captive portals for paid Wi-Fi A lot of captive portal systems allow all DNS traffic out, so it's possible to tunnel IP traffic without paying a fee. Some commercial services even provide a server-side tunnel as a service. Tools like YOUR-FREEDOM are made specifically for escaping captive portals.
How It Works
The attacker acquires a domain, for example, evilsite.com.
The attacker configures the domains name servers to his own DNS server.
The attacker delegates a subdomain, such as "tun.evilsite.com" and configures his machine as the subdomain's authoritative DNS server.
Any DNS request made by the victim to "{data}.tun.evilsite.com" will end up reaching the attacker's machine.
The attacker's machine encodes a response that will get routed back to the victim's machine.
A bidirectional data transfer channel is achieved using a DNS tunneling tool.
[1] www dot infosecurity-magazine.com/news/dns-attack-costs-soar-105-in-uk
[2] thomer dot com/howtos/nstx.html
[3] www dot symantec.com/connect/blogs/morto-worm-sets-dns-record
[4] chrisdietri dot ch/post/feederbot-botnet-using-dns-command-and-control/
[5] www dot gdatasoftware.com/blog/2014/10/23942-new-frameworkpos-variant-exfiltrates-data-via-dns-requests
[6] github dot com/iagox86/dnscat
[7] github dot com/yarrick/iodine
[8] heyoka dot sourceforge.net/
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Tuesday, November 12, 2019
Project Nightingale
Google's "Project Nightingale" analyzes medical records to create "Patient Search" for health providers
By Abner Li
Nov 2019
Beyond the ACQUISTION OF FITBIT earlier this month, Google's health ambitions are multi-faceted and extend into services for hospitals and health providers. Such an effort named Project Nightingale was detailed today, along with the end product: Patient Search.
The Wall Street Journal today REPORTED on Project Nightingale, with Forbes providing more details on the effort, including screenshots. Ascension - one of the country's largest healthcare systems - is moving its patient records to Google Cloud. This complete health history includes lab results, doctor diagnoses, and hospitalization records.
In turn, Google is analyzing and compiling that data into a Patient Search tool that allows doctors and other health professionals to conveniently see all patient data on an overview page.
The page includes notes about patient medical issues, test results and medications, including information from scanned documents, according to presentations viewed by Forbes.
The interface is quite straightforward and not too different from hospitals that offer results directly to patients today.
Internally, the project is being developed within Google Cloud, and 150 Googlers reportedly have access to the data. This includes Google Brain, the companys internal AI research division. The WSJ describes another tool in development that uses machine learning to suggest possible patient treatment changes to doctors.
Google in this case is using the data, in part, to design new software, underpinned by advanced artificial intelligence and machine learning, that zeroes in on individual patients to suggest changes to their care.
That appears to be further off in the distance compared to ԒPatient Search, which is already deployed to Ascension facilities in Florida and Texas, with more locations planned this year. Google is apparently not charging Ascension for the work and could offer the tool to other health systems in the future.
When asked for comment, Google said Project Nightingale abides by all federal laws and that privacy protections are in place. Experts that spoke to the WSJ believe that this initiative is allowed under the Health Insurance Portability and Accountability Act (HIPPA).
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Wednesday, June 12, 2019
AC Phone Home
I got a new HONEYWELL THERMOSTAT for the air conditioner that has internet connectivity for remote access, and pulls a weather report.
Like everything IOT- it INSISTS ON A MIDDLEMAN (pretty much anyone after looking at their EULA) possibly peeking at the things connected to my network, and who knows WHAT ELSE:
The Internet has been around for around 20 years now, and its security is far from perfect. Hacker groups still ruthlessly take advantage of these flaws, despite spending billions on tech security. The IoT, on the other hand, is primitive. And so is its security.
Once everything we do, say, think, and eat, is tracked, the big data thats available about each of us is immensely valuable. When companies know our lives inside and out, they can use that data to make us buy even more stuff. Once they control your data, they control you.
Why can't I just VPN into the house and connect to it that way?
Because then they can't SNOOP.
Their EULA SAYS:
We may use your Contact Information to market Honeywell and third-party products and services to you via various methods
We also use third parties to help with certain aspects of our operations, which may require disclosure of your Consumer Information to them.
Honeywell uses industry standard web ANALYTICS to track web visits, Google Analytics and Adobe Analytics.
GOOGLE and Adobe may also TRANSFER this INFORMATION to third parties where required to do so by law, or where such third parties process the information on Google's or Adobe's behalf.
You acknowledge and agree that Honeywell and its affiliates, service providers, suppliers, and dealers are permitted at any time and without prior notice to remotely push software
collection and use of certain information as described in this Privacy Statement, including the transfer of this information to the United States and/or other countries for storage
I connected it to the LAN without asking it to get the weather - or signing up for anything at HONEYWELL'S SITE.
As fast as I can turn my head to peek at the firewall - it was chatting on the internet, and crapped out with some SSL error:
Maybe the website has a problem:
# curl -sslv2 184.108.40.206:443
* About to connect() to 220.127.116.11 port 443 (#0)
* Trying 18.104.22.168… connected
* Connected to 126.96.36.199 (126.96.36.199) port 443 (#0)
> User-Agent: curl/7.19.7 (i386-redhat-linux-gnu) libcurl/7.19.7 NSS/3.27.1 zlib/1.2.3 libidn/1.18 libssh2/1.4.2
> Host: 22.214.171.124:443
> Accept: */*
* Closing connection #0
* Failure when receiving data from the peer
# curl -sslv3 184.108.40.206:443
* About to connect() to 184.108.40.206 port 443 (#0)
* Trying 22.214.171.124… connected
* Connected to 18.104.22.168 (126.96.36.199) port 443 (#0)
> User-Agent: curl/7.19.7 (i386-redhat-linux-gnu) libcurl/7.19.7 NSS/3.27.1 zlib/1.2.3 libidn/1.18 libssh2/1.4.2
> Host: 126.96.36.199:443
> Accept: */*
* Closing connection #0
* Failure when receiving data from the peer
# curl -tlsv1 126.96.36.199:443
curl: (56) Failure when receiving data from the peer
# curl -tlsv1.0 126.96.36.199:443
curl: (56) Failure when receiving data from the peer
# curl -tlsv1.1 22.214.171.124:443
curl: (56) Failure when receiving data from the peer
# curl -tlsv1.2 22.214.171.124:443
curl: (56) Failure when receiving data from the peer
# curl 22.214.171.124:80
curl: (56) Failure when receiving data from the peer
Then I pulled the plug. Even if Honeywell's website is broke - I still fear this thermostat will find a way to download software, and maybe START SPYING ON MY HOME NETWORK:
The US intelligence chief has acknowledged for the first time that agencies might use a new generation of smart household devices to increase their surveillance capabilities.
Maybe, someday I'll firewall off HONEYWELL'S NETBLOCKS, connect it again, see where it goes.
For now - I'm too AFRAID:
When the cybersecurity industry warns about the nightmare of hackers causing blackouts, the scenario they describe typically entails an elite team of hackers breaking into the inner sanctum of a power utility to start flipping switches. But one group of researchers has imagined how an entire power grid could be taken down by hacking a less centralized and protected class of targets: home air conditioners and water heaters.
Think that's bad? Check this out
Dont Toss That Bulb, It Knows Your Password
By Tom Nardi
January 28, 2019
Whether it was here on Hackaday or elsewhere on the Internet, youҒve surely heard more than a few cautionary tales about the Internet of ThingsӔ by now. As it turns out, giving every gadget you own access to your personal information and Internet connection can lead to unintended consequences. Who knew, right? But if you need yet another example of why trusting your home appliances with your secrets is potentially a bad idea, [Limited Results] is here to make sure you spend the next few hours doubting your recent tech purchases.
In a series of POSTS on the [Limited Results] blog, low-cost smart bulbs are cracked open and investigated to see what kind of knowledge theyve managed to collect about their owners. Not only was it discovered that bulbs manufactured by Xiaomi, LIFX, and Tuya stored the WiFi SSID and encryption key in plain-text, but that recovering said information from the bulbs was actually quite simple. So next time one of those cheapo smart bulb starts flickering, you might want to take a hammer to it before tossing it in the trash can; you never know where it, and the knowledge it has of your network, might end up.'
Regardless of the manufacturer of the bulb, the process to get one of these devices on your network is more or less the same. An application on your smartphone connects to the bulb and provides it with the network SSID and encryption key. The bulb then disconnects from the phone and reconnects to your home network with the new information. It's a process that at this point were all probably familiar with, and there's nothing inherently wrong with it.
The trouble comes when the bulb needs to store the connection information it was provided. Rather than obfuscating it in some way, the SSID and encryption key are simply stored in plain-text on the bulbs WiFi module. Recovering that information is just a process of finding the correct traces on the bulbҒs PCB (often there are test points which make this very easy), and dumping the chips contents to the computer for analysis.
It's not uncommon for smart bulbs like these to use the ESP8266 or ESP32, and [Limited Results] found that to be the case here. With the wealth of information and software available for these very popular WiFi modules, dumping the firmware binary was no problem. Once the binary was in hand, a little snooping around with a hex editor was all it took to identify the network login information. The firmware dumps also contained information such as the unique hardware IDs used by the cloudӔ platforms the bulbs connect to, and in at least one case, the root certificate and RSA private key were found.
On the plus side, being able to buy cheap smart devices that are running easily hackable modules like the ESP makes it easier for us to create custom firmware for them. Hopefully the community can come up with slightly less suspect software, but really just keeping the things from connecting to anything outside the local network would be a step in the right direction.
(Some days later)
[Limited Results] had hinted to us that he had previously disclosed some vulnerabilities to the bulb's maker, but that until they fixed them, he didn't want to make them public. They're fixed now, and it appears that the bulbs were sending everything over the network unencrypted your data, OTA firmware upgrades, everything. They're using TLS now, so good job [Limited Results]! If you're running an old version of their lightbulbs, you might have a look.
On WiFi credentials, we were told: "In the case where sensitive information in the flash memory wasn't encrypted, the new version will include encrypted storage processing, and the customer will be able to select this version of the security chips, which can effectively avoid future security problems." Argue about what that actually means in the comments.
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Wednesday, October 17, 2018
The Clouded Cloud
October 11, 2018
Today, WikiLeaks publishes a "Highly Confidential" internal documentfrom the cloud computing provider Amazon. The documentfrom late 2015 lists the addresses and some operational details of over one hundred data centers spread across fifteen cities in nine countries. To accompany this document, WikiLeaks also created a map showing where Amazons data centers are LOCATED.
Amazon, which is the largest cloud provider, is notoriously secretive about the precise locations of its data centers. While a few are publicly tied to Amazon, this is the exception rather than the norm. More often, Amazon operates out of data centers owned by other companies with little indication that Amazon itself is based there too or runs its own data centers under less-identifiable subsidiaries such as VaData, Inc. In some cases, Amazon uses pseudonyms to obscure its presence. For example, at its IAD77 data center, the documentstates that Amazon is known as "Vandala Industries" on badges and all correspondence with building manager
Amazon is the leading cloud provider for the United States intelligence community. In 2013, Amazon entered into a $600 million contract with the CIA to build a cloud for use by intelligence agencies working with information classified as Top Secret. Then, in 2017, Amazon announced the AWS Secret Region, which allows storage of data classified up to the Secret level by a broader range of agencies and companies. Amazon also operates a special GovCloud region for US Government agencies hosting unclassified information.
Currently, Amazon is one of the leading contenders for an up to $10 billion contract to build a private cloud for the Department of Defense. Amazon is one of the only companies with the certifications required to host classified data in the cloud. The Defense Department is looking for a single provider and other companies, including Oracle and IBM, have complained that the requirements unfairly favor Amazon. Bids on this contract are due tomorrow.
While one of the benefits of the cloud is the potential to increase reliability through geographic distribution of computing resources, cloud infrastructure is remarkably centralised in terms of legal control. Just a few companies and their subsidiaries run the majority of cloud computing infrastructure around the world. Of these, Amazon is the largest by far, with recent market research showing that Amazon accounts for 34% of the cloud infrastructure services market.
Until now, this cloud infrastructure controlled by Amazon was largely hidden, with only the general geographic regions of the data centers publicised. While Amazons cloud is comprised of physical locations, indications of the existence of these places are primarily buried in government records or made visible only when cloud infrastructure fails due to natural disasters or other problems in the physical world.
In the process of dispelling the mystery around the locations of Amazon's data centers, WikiLeaks also turned this documentinto a puzzle game, the Quest of Random Clues. The goal of this game was to encourage people to research these data centers in a fun and intriguing way, while highlighting related issues such as contracts with the intelligence community, Amazons complex corporate structures, and the physicality of the cloud.
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Thursday, August 09, 2018
Legalized Hacking
If I were to PORT SCAN any IP - I can be IN BIG TROUBLE.
Shouldn't BIG BAD BANKS - and everyone else - be bound by the same rules?
Check this out:
Halifax Bank scans the machines of surfers that land on its login page whether or not they are customers
Bank on it: It's either legal to port-scan someone without consent or it's not, fumes researcher
One rule for banks, another for us, says white hat
By John Leyden
The Register
August 7, 2018
Security researcher Paul Moore has made his objection to this practice in which the British bank is not alone - clear, even though it is done for good reasons. The researcher claimed that performing port scans on visitors without permission is a violation of the UK's COMPUTER MISUSE ACT (CMA).
Halifax has disputed this, arguing that the port scans help it pick up evidence of malware infections on customers' systems. The scans are legal, Halifax told Moore in response to a complaint he made on the topic last month.
Moore said he wouldn't have an issue if Halifax carried out the security checks on people's computers after they had logged on. It's the lack of consent and the scanning of any visitor that bothers him. "If they ran the scriptafter you've logged in… they'd end up with the same end result, but they wouldn't be scanning visitors, only customers," Moore said.
According to Moore, when he called Halifax to complain, a representative told him: "We have to port scan your machine for security reasons."
Having failed to either persuade Halifax Bank to change its practices or Action Fraud to act (thus far1), Moore last week launched a fundraising effort to privately prosecute Halifax Bank for allegedly breaching the Computer Misuse Act. This crowdfunding effort on GoFundMe aims to gather 15,000 (so far just 50 has been raised).
Halifax Bank's "unauthorised" port scans are a clear violation of the CMA - and amounts to an action that security researchers are frequently criticised and/or convicted for, Moore argued. The CISO and part-time security researcher hopes his efforts in this matter might result in a clarification of the law.
"Ultimately, we can't have it both ways," Moore told El Reg. "It's either legal to port scan someone without consent, or with consent but no malicious intent, or it's illegal and Halifax need to change their deployment to only check customers, not visitors."
The whole effort might smack of tilting at windmills, but Moore said he was acting on a point of principle.
"If security researchers operate in a similar fashion, we almost always run into the CMA, even if their intent isn't malicious. The CMA should be applied fairly to both parties."
Moore announced his findings, his crowdfunded litigation push and the reasons behind it on Twitter, sparking a lively debate. Security researchers are split on whether the effort is worthwhile.
The arguments for and against
The scanning happens on the customer login page and not the main Halifax Bank site, others were quick to point out. Moore acknowledged this but said it was besides the point.
Infosec pro Lee Burgess disagreed: "If they had added to the non-customer page then the issue would be different. They are only checking for open ports, nothing else, so [I] cannot really see the issue."
Surely there needs to be intent to cause harm or recklessness for any criminal violation, neither of which is present in the case of Halifax, argued another.
UK security pro Kevin Beaumont added: "I'd question if [it was] truly illegal if [there was] not malicious intent. Half the infosec services would be illegal (Shodan, Censys etc). IRC networks check on connect, Xbox does, PlayStation does etc."
Moore responded that two solicitors he'd spoken to agreed Halifax's practice appeared to contravene the CMA. An IT solicitor contact of The Register, who said he'd rather not be quoted on the topic, agreed with this position. Halifax's lawyers undoubtedly disagree.
Moore concluded: "Halifax explicitly says they'll run software to detect malware… but that's if you're a customer. Halifax currently scan everyone, as soon as you land on their site."
Enter the ThreatMetrix
Halifax Bank is part of Lloyds Banking Group, and a reference customer for ThreatMetrix, the firm whose technology is used to carry out the port scanning, via client-side JavaScripts.
The scripts run within the visitor's browser, and are required to check if a machine is infected with malware. They test for this by trying to connect to a local port, but this is illegal without consent, according to Moore.
"Whilst their intentions are clear and understandable, the simple act of scanning and actively trying to connect to several ports, without consent, is a clear violation of the CMA," Moore argued.
Beaumont countered: "It only connects to the port, it doesn't send or receive any data (you can see from the code, it just checks if port is listening)."
Moore responded that even passively listening would break the CMA. "That's sufficient to breach CMA. If I port-sweep Halifax to see what's listening, I'd be breaching CMA too," he said.
The same ThreatMetrix tech is used by multiple UK high street banks, according to Beaumont. "If one is forced to change, they all will," Moore replied.
Moore went on to say that this testing - however well-intentioned - might have undesirable consequences.
"Halifax/Lloyds Banking Group are not trying to gain remote access to your device; they are merely testing to see if such a connection is possible and if the port responds. There is no immediate threat to your security or money," he explained.
"The results of their unauthorised scan are sent back to Halifax and processed in a manner which is unclear. If you happen to allow remote desktop connections or VNC, someone (other than you) will be notified as such. If those applications have vulnerabilities of which you are unaware, you are potentially at greater risk."
Moore expressed that his arguably quixotic actions may have beneficial effects. "Either Halifax [is] forced to correct it and pays researchers from the proceeds, or the CMA is revised to clarify that if [its] true intent isn't malicious, [it's] safe to continue," he said.
We have asked ThreatMetrix for comment.
Updated at 1200 UTC to add
Halifax Bank has been to touch to say: "Keeping our customers safe is of paramount importance to the Group and we have a range of robust processes in place "to protect online banking customers."
1 Action Fraud is the UK's cyber security reporting centre. Moore has reported the issue to it. AF's response left Moore pessimistic about finding any relief from that quarter.
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text: dougal 242 Report post Posted July 8, 2018 Maybe it's just me but this site seems to have deteriorated quite considerably over the last year or two and the contributors have become less and less Its plainly obvious that traffic has reduced dramatically the question is why? 1. Twitter and Facebook has put the final nail in the football forum 2. Caley thistle fans seemed to have started posting elsewhere reading pie and bovril there are a number of ex CTO posters now active on that site and they certainly don't seem to hold back from slagging us off 3. Over zealous moderating any subject that is in anyway slightly contentious seems to get closed or deleted altogether. 4. Caley jags forever fiasco Maybe I'm making a mountain out of a molehill but I personally think there is something really wrong within the ranks of support I'm more disillusioned with Scottish football as a whole than any of the reasons I've given above if I'm being honest although I'm thinking of giving pie and bovril a go even if it's just to help the boredom Thoughts? Dougal Share this post Link to post Share on other sites


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If Democrats ever get back in office, it will mean the end of America. Socialism / Communism / Evil will reign. I wonder who these Democrats will blame for that...
This is why every argument of "if Trump does X then Dems might use it against us later" is a load of shit. If Dems are in control again, we are completely and utterly done. And even if that wasn't the case, who thinks they care about justifications like "Trump did X."
Nancy Pelosi said we would not have civility unless Dems won the house in 2018.
They won the house and just used it as a platform for Shampeachment, Russia, etc.
Source: https://www.washingtonexaminer.com/opinion/nancy-pelosi-promises-no-civility-unless-democrats-win-the-midterm-elections
Pfft - Chancellor Palpatine said it first "And we will have peace"
I wonder if she's actually arrogant enough to think this shit would not be happening if she won. We saw the same things in more localized scale in Ferguson and St. Louis when Obama was president.


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