" href="http://www.crgeng.com/wikinews-interviews-joe-schriner-independent-u-s-presidential-candidate-9/" rel="bookmark">
Wikinews interviews Joe Schriner, Independent U.S. presidential candidate

Saturday, April 17, 2010

Journalist, counselor, painter, and US 2012 Presidential candidate Joe Schriner of Cleveland, Ohio took some time to discuss his campaign with Wikinews in an interview.

Schriner previously ran for president in 2000, 2004, and 2008, but failed to gain much traction in the races. He announced his candidacy for the 2012 race immediately following the 2008 election. Schriner refers to himself as the “Average Joe” candidate, and advocates a pro-life and pro-environmentalist platform. He has been the subject of numerous newspaper articles, and has published public policy papers exploring solutions to American issues.

Wikinews reporter William Saturn? talks with Schriner and discusses his campaign.

" href="http://www.crgeng.com/kansas-school-board-has-copyright-withheld-over-teaching-intelligent-design/" rel="bookmark">
Kansas School Board has copyright withheld over teaching Intelligent Design

Monday, October 31, 2005

Kansas has been denied permission to use two key documents commonly used in the writing of science education standards for states, the National Science Education Standards (published by the National Research Council) and Pathways to Science Standards (published by the National Science Teacher Association). The respective organizations argued that they could not grant the state of Kansas permission to use these documents in the current form of the Kansas Science Educational Standards, as these overemphasize controversy between the scientific theory of Evolution and the argument of Intelligent Design. Moreover, the organizations criticize that the standards in their current form distort the definition of science. The American Association for the Advancement of Science has expressed its support for the decision to deny Kansas the use of copyrighted material, as “the proposed standards misrepresent both the content and the standing of evolution as a scientific organizing principle”.

Proponents of Intelligent Design have characterized the refusal as “an effort to censor the discussion of scientific criticism of Darwinian theory by intimidation and threat”.

This is likely to further delay the ratification of the final vote on the Kansas Science Educational Standards as they will have to be rewritten either to not violate any copyright restrictions or modify their account of evolution and outlook on science. According to University of Kansas professor Steve Case, rewriting the standards will be very difficult, as “there is copyrighted material on every page” of the current document.

This is the second time that Kansas was denied the right to use copyrighted materials in their state standards, following the case in 1999, when Kansas included Creationism, a precursor of Intelligent Design, into the school curriculum. A later school board overturned that directive.

The dispute in Kansas has brought nationwide responses, ranging from a rebuke by the American Association for the Advancement of Science to the creation of internet-sensation Flying Spaghetti Monster mythology (which is lobbying the Kansas School Board to give equal time teaching their creationism theory as well.)

" href="http://www.crgeng.com/fusball-bundesliga-2007-08-borussia-dortmund-vs-bayern-munich/" rel="bookmark">
Fußball-Bundesliga 2007–08: Borussia Dortmund vs. Bayern Munich

Sunday, October 28, 2007

October 28, 200717:00 (UTC+1)
Borussia Dortmund 0–0 Bayern Munich Signal Iduna Park, Dortmund Attendance: 80,708 Referee: Markus Merk
Tinga 45’Valdez 61’Valdez 79’Federico 79’Blaszczykowski 83’Klimowicz 83’Klimowicz 90’+1′ Match Report 66′ Sosa 66′ Altintop 70′ Toni 70′ Podolski 88′ van Bommel 88′ Ottl 90’+1′ Schweinsteiger

Bayern Munich remained undefeated in all competitions after a 0-0 draw against Borussia Dortmund. The draw leaves Bayern at the top of the table with 27 points. However, the lead is down to four points after Hamburg’s 1-0 win against Duisburg.

Franck Ribery didn’t pass a late fitness test and didn’t make the 18-man strong matchday squad. Luca Toni, Martin Demichelis an Jose Ernesto Sosa replaced Lukas Podolski, Philipp Lahm and Hamit Altintop. Jose Ernesto Sosa returned after being sidelined for almost two months after ankle surgery.

Bayern Munich and Borussia Dortmund exchanged plenty of chances and almost had a 50/50 possession between them.

Bayern Munich plays Borussia Mönchengladbach at home in the DFB Cup while Borussia Dortmund plays Eintracht Frankfurt in the same competition.

What Are The Top Benefits Of Cloud Computing?

What Are the Top Benefits of Cloud Computing?

by

Lee Antony Price

There is a range of different benefits to cloud computing that businesses the world over are talking about already. The cloud offers savings in costs, flexibility and speed to market, however there are plenty of other benefits that aren\’t so easily noticeable.

Such benefits are the ones that forward thinking businesses are thinking about and they will be integral to the long-term success of utilising the cloud for your business. Specifically these businesses are looking into how cloud computing will change the face of their operations and how they can utilise these changes to the maximum advantage.

The main characteristics of the cloud that these companies are looking to take advantage of are;

YouTube Preview Image

-Little to no capital investment – This may seem like the most basic benefit but it is also perhaps the most important. The cloud, by its very nature, reduces what was previously the massive cost of maintaining and integrating a range of different services. This should sound great right off the bat but what it also means is that smaller businesses that may not previously have had the resources to invest in such services are now able to run an integrated package of products without having to fork out for it.

-Variable Pricing – A range if companies will offer services over the cloud, as it enables them to host their products and provide them quickly and easily. This means that other companies will be able to take advantage of fully customised services that would otherwise have not been available to them, allowing for variable price rates.

-Rapid acquisition and deployment – Because the cloud allows for the use of software over a web connection, there is no need to spend an eternity manually installing what you use over a wide array of systems. Simply access the software via the cloud and deployment times are cut down to a fraction of what they once were.

-Infinitely scalable – The very nature of the cloud means that you are only limited by your own needs. With no physical limitations your services can be scalable dependant entirely on your needs, meaning you will always be ready and capable for expansion.

-Lower ongoing operating costs – This one ties into the lack of a need for capital investment, as maintenance costs will often be handled by whichever company is offering their service over the cloud, meaning that you don\’t need to worry about the costs of operating a system that is hosted by somebody else. Instead, businesses are able to take advantage of services without having to worry about all of the additional costs.

Companies that offer their services across the cloud are able to integrate them seamlessly, meaning that they can offer other businesses applications that would otherwise have cost much in time and money to integrate.

Cloud solutions can offset costs and time constraints, with communications companies especially being able to offer VoIP services and the like over the cloud. So if a business is looking to expand in the near future, proper utilisation of services offered over the cloud will be instrumental in ensuring the future scalability of the business.

This is especially prevalent when it comes to VoIP communications services, as previously mentioned. The very nature of VoIP means that a service hosted by the telecoms company and offered over the net is the perfect match for many a client that would rather not have to invest in a full system for themselves. The cloud allows for such services to be offered, reducing costs for customers whilst also ensuring that they gain a top quality service. Additionally, as previously mentioned, no maintenance will be required for SIP Trunks or the telephone lines themselves as the VoIP service provider will work around the clock to ensure that the service remains usable.

The cloud is set to be the biggest revolution in the way businesses operate online in a number of years. Companies should be looking into how they can take advantage of it now, to ensure that they are ahead of the curve once it becomes the standard.

Visit www.air21group.co.uk for more information.

Article Source:

ArticleRich.com

New Ghanaian currency introduced

" href="http://www.crgeng.com/new-ghanaian-currency-introduced/" rel="bookmark">
New Ghanaian currency introduced
Author:

16 Oct

Tuesday, July 3, 2007

New currency notes are being introduced in Ghana today. The new currency, to be called the Ghanaian cedi, replaces the previous cedi which has been in circulation since 17 February, 1967.

The Ghanaian cedi will be exchanged at 10,000 old cedis to one new Ghanaian cedi. The exchange rate against the U.S. dollar starts at GH¢0.92 to one U.S. dollar. The new ISO code for the currency is GHS, and the new symbol, GH¢.

The change, which was originally scheduled by the Bank of Ghana to start on July 1, 2007, will instead start on Tuesday July 3, as the original date is Ghana’s Republic Day.

Monday, July 2, was declared a public holiday as the actual Republic Day fell on a Sunday. July 3, is thus the first day that the currency will be available to the public as banks open to the general public. This is because ATMs were shut down over the weekend so that the currencies could be checked and replaced in all of them nationwide. The old and new currencies will be used concurrently until the end of December 2007, when the old currency will cease to be legal tender.

This is the third Ghanaian cedi to be introduced in the country since 1965.

Freighter hits fishing boat in Gulf of Suez; thirteen dead

" href="http://www.crgeng.com/freighter-hits-fishing-boat-in-gulf-of-suez-thirteen-dead/" rel="bookmark">
Freighter hits fishing boat in Gulf of Suez; thirteen dead
Author:

15 Oct

Tuesday, December 16, 2014

A freighter hit a fishing boat around midnight on Sunday morning in the Gulf of Suez in the Red Sea. Of the 40 Egyptian fisherman on board, thirteen are dead and thirteen more missing.

Survivor Al Sayyed Mohamed Arafat told local media he jumped from the fishing boat, named Badr al-Islam, as the container ship approached. He says he hung onto a wooden crate for four hours before rescue. Local authorities have promised compensation to each survivor.

A vessel, flagged in Panama, suspected to be involved in the collision has been detained by the military. The army said yesterday one victim raised the alarm by phone and the military sent four boats and a helicopter to commence search and rescue off the Gabal al-Zayt coastline.

A plane has since joined the search. The military say the fishing boat lacked safety equipment for emergency communications.

The detained ship was found south of the Gulf, near the port of Safaga. It was carrying 220 tonnes of cargo according to the General Authority for the Red Sea Ports.

Canadas Mining Sector Recovers From A Brick Wall Hit}

Click Here To Know More About:

Submitted by: Brickwork Sourcing India

Canada which ranks among the top five countries in the production of 14 major minerals and metals has lately been seeing a slowdown of sorts after the commodity market hit a brick wall. The disturbing trend was a cause of alarm for some time, but now there are signs of a slow recovery emerging. Canada’s mining industry seems to be on the right path to continued prosperity despite the current market volatility. The decade-old commodity market had begun to lose steam and with Canada being an economy where commodities drive 20% of the GDP, it seemed to stall for a bit. The slow recovery has begun to create new hope. With this recovery the metals and mining scene looks to emerge stronger and Canadian mining companies have already begun to invest millions annually in research and development as well as exploration.

The mining scene in Canada is going through various changes and there are various factors which could play a major role in diminishing its future success. Some important factors influencing the metals and mining industry in Canada include shortage of skilled workers, increasing social demands for environmental protection, and a downturn in world demand stemming from political instability. Canadas mining community has deep ties with Australias mining sector which is heavily exposed to Chinese demand, with leading miners postponing investment plans and shuttering projects, there is bound to be an effect on Canada as well. China being the biggest consumer of metals mandates good trade relations with Canada for sustained investments and infrastructure growth in Canadas metals and mining sector.

YouTube Preview Image

The Mining Association of Canada (MAC) estimates that there is bound to be about US$140 billion in new mining investments in Canada over the next five to ten years. The British Columbia region being Canadas minerals gateway for key Asian markets is expected to see more than US$30 billion in investment over the next ten years.

The main growth driver in the Canadian mining sector is increased influx of investments and demand from countries such as China which is one of the biggest consumers. The metals and mining industry in Canada is mainly driven by the debt market which offered mining companies extremely attractive terms in 2012 and they responded by issuing a staggering amount of it. According to Financial Post data, Canadian miners have sold US$15.6 billion of debt in 2012. That compares with US$9.4 billion in 2011 and just US$5.5 billion in 2010. The article illustrates how the need for global sourcing multiplies for Canadian mining companies.

Opportunity awaits investors in Canadian mining companies that are looking for innovation to grow beyond the recent slowdown; this would throw open sourcing opportunities, which is an area of concern and an impediment to growth. Mining equipment and machinery being sourced from developing economies can offer cost arbitrage for the mining companies. A global sourcing approach is essential to this growth initiative. Brickwork Sourcing works with global metals and mining companies and has capabilities of providing end-to-end sourcing, vendor and supply chain management solutions.

About the Author: Brickwork is the pioneer of the Virtual Office business. We provide virtual support for businesses across the globe. Our well informed Remote Sourcing Analysts can provide support at any or all stages of your sourcing lifecycle. To know more about our company, please visit

brickworksourcing.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1813926&ca=Society}

Gastric bypass surgery performed by remote control

" href="http://www.crgeng.com/gastric-bypass-surgery-performed-by-remote-control/" rel="bookmark">
Gastric bypass surgery performed by remote control
Author:

15 Oct

Sunday, August 21, 2005

A robotic system at Stanford Medical Center was used to perform a laparoscopic gastric bypass surgery successfully with a theoretically similar rate of complications to that seen in standard operations. However, as there were only 10 people in the experimental group (and another 10 in the control group), this is not a statistically significant sample.

If this surgical procedure is as successful in large-scale studies, it may lead the way for the use of robotic surgery in even more delicate procedures, such as heart surgery. Note that this is not a fully automated system, as a human doctor controls the operation via remote control. Laparoscopic gastric bypass surgery is a treatment for obesity.

There were concerns that doctors, in the future, might only be trained in the remote control procedure. Ronald G. Latimer, M.D., of Santa Barbara, CA, warned “The fact that surgeons may have to open the patient or might actually need to revert to standard laparoscopic techniques demands that this basic training be a requirement before a robot is purchased. Robots do malfunction, so a backup system is imperative. We should not be seduced to buy this instrument to train surgeons if they are not able to do the primary operations themselves.”

There are precedents for just such a problem occurring. A previous “new technology”, the electrocardiogram (ECG), has lead to a lack of basic education on the older technology, the stethoscope. As a result, many heart conditions now go undiagnosed, especially in children and others who rarely undergo an ECG procedure.

Israel Journal: The Holy Land has an image problem

" href="http://www.crgeng.com/israel-journal-the-holy-land-has-an-image-problem/" rel="bookmark">
Israel Journal: The Holy Land has an image problem
Author:

13 Oct

Tuesday, December 18, 2007

Wikinews reporter David Shankbone is currently, courtesy of the Israeli government and friends, visiting Israel. This is a first-hand account of his experiences and may — as a result — not fully comply with Wikinews’ neutrality policy. Please note this is a journalism experiment for Wikinews and put constructive criticism on the collaboration page.

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

At 70 miles per hour halfway to Kennedy Airport the scent of alcohol filled the back of the cab when the driver turned around and said, “There is no traffic. It is good. Quick.” It was fitting. Up to that point I sat staring out the window thinking about all the warnings my family and friends gave me about taking care of my safety in Israel. Although I have traveled a good deal and never found a place I visited to be as it was depicted in the American media–Cuba is nothing like it is portrayed–the intonations to steer clear of pizza parlors and buses weighed on me. “Whatever you do, David, don’t go to Gaza or take a bus! Don’t. Go. To. Gaza,” my mother said several times, “Just, you know, there’s a war going on over there. If you see anyone praying to Allah and sweating, run!”

Until the cab driver turned around and smiled through his boozy breath, my mind had raced with thoughts of my life ending head bowed on Al-Jazeera, surrounded by gunmen forcing me to denounce my country. I thought about Gay Talese, desperate to go to Iraq, who told me he would tell “the bastards” to “go ahead, make my day” because he would die doing what he loved: working on a story. Strangely, I found solace in my drunken driver to distract me from these thoughts, and instead I thought about Carolyn Doran, the former Wikimedia COO who has caused a firestorm for the foundation when they hired her unaware that not only is she a quadruple-convicted drunk driver, but that she also shot a boyfriend.

My flight from Kennedy to Tel Aviv had the hallmarks of a caricatured bad flight: Despite my request for an aisle, I found myself in a center seat. To my right was a morbidly obese woman in a purple beret breast-feeding her baby. In the seat to my left was another infant in a baby seat, and to his left was his mother holding yet a third baby in her lap. When I woke two of the babies were suspended from the wall in what looked like airplane baby crib trampolines. Surprisingly, it was one of the better 11 hour flights I have had. All three babies slept through the entire trip and when I woke from one nap I found myself lying against what felt like memory foam, but turned out to be the obese woman, whose largess had spilled over our hapless arm rest and into my seat. It was…not unpleasant.

Upon arrival at our hotel in Tel Aviv we were given exactly ten minutes to shower and change before we had to leave to have dinner with Dr. Yossi Vardi–the father of Israeli invention, as he is known. Jimmy Wales had introduced me to him over e-mail, and I had done my research on the man who funded and sold the ICQ network. On the bus over there Stacy Perman and David Saranga spoke about how Israel is trying to brand itself today. In particular, Perman, who writes for Businessweek, mentioned a spread in Maxim Magazine that Saranga, who is in charge of media relations for the Israeli consulate in New York, was responsible for arranging. Its theme was “The Women of the Israeli Army” and featured buxom, beautiful scantily-clad Israeli girls from the armed forces. It rubbed Perman the wrong way. “The spread seemed so Lowest Common Denominator to me. What was the thinking behind that?” asked Stacy.

Saranga had no apologies for appealing to the male libido in his never-ending drive to sell Israel. “Look, I would love for Maxim’s 2.5 million readers to pick up that magazine and read about Israeli technology and our wonderful culture here. But in truth, they are not so interested in that. When we approached Maxim they asked why they should do it; after all, there are beautiful women every where. Why Israeli beautiful women? We said, ‘But Israel is the only army where women are actually fighting alongside the men.’ So they did it. Not with guns and ammunition, but just the…beautiful women of the Israeli army. When we tested how that piece worked, we found it was very, very successful.”

But what is success? The issue, Saranga explained, is Israel has an image problem. Saranga is one of the key people in the Israeli Foreign Ministry working to create a new brand name for the holy land. Indeed, one scheduled dinner for the journalists on this trip is hosted by Ido Aharoni, whose title is Head of Israel Brand Management Team. A country’s brand name is what this trip is all about. More accurately, about rebranding.

When people think of Israel, Saranga explained, they think the same things my friends and family think: it is dangerous, it is a place where you may be blown up. It is difficult to find in the American media stories that travel outside of Israeli-Palestinian-Lebanese conflict narrative. The effect, according to Saranga, has been that people do not want to come to Israel. It is too dangerous and even if safety is not an issue, it does not look like a fun place to go. According to the test research the Israeli government has conducted, people see Israel as a place that is deeply religious–it is, after all, a Jewish state–and besides holy sites such as the Temple Mount and retracing the steps of Jesus Christ, most secular American thrill seekers think there is little for them to do.

In reality, Israel is a multi-dimensional and pluralistic society with a large Arab—the majority of whom identify themselves as Palestinian—population in one of the most stable democracies in the Middle East. This trip, however, is mostly modeled to show the technology journalists what is by any measure one of the most thriving centers of innovation in the world. What we won’t see is Israel’s Arab side. When I suggested to Saranga that I would like to venture to the Jaffa Market, Tel Aviv’s thriving Arab bazaar, he looked at me perplexed, “Why would you want to go there?!” When I replied that it would be a good place to look for things to buy people back home, he still did not see why I would choose to go there. It was only when I mentioned it would also be good for photography–another purpose for this trip–did he say, “Well, that’s true. I suppose it has color.”

At dinner Dr. Yossi Vardi discussed the future of Israeli technology and pointed out that after California and Boston, Israel attracts the highest amount of venture capital incubator dollars in the world. After his speech, he turned to me with what the standard complaints I hear about Wikipedia; namely, that it is not always accurate and it is arbitrary in how it decides what is notable (in particular, the article on a product he is financing, Fring, has been deleted five times, he said, despite being a market leader). “How do you decide what is right and what is notable?” asked Vardi.

It was the same question raised by the Haaretz reporter when he interviewed me later that night for an article about my trip. With both Vardi and Haaretz I brought up the on-going Santa Claus battle on Wikipedia, in which I was heavily involved. Several editors do not want us to point out that Santa Claus is not real (think of the children!) or, absent outright supporting the myth, that we should hide he is made up. The problem is that Wikipedia is not responsible for supporting cultural myths, but to explain them.

“But I believe in Santa Claus” replied Vardi. “Who are you to say he is not real?” It is a question that was raised in the Santa talk page discussion, and a difficult challenge to answer. And like the pro-Santa editors on the Santa Claus discussion, Vardi asked “What about God? Can you say that God does not exist?” But are Santa and God really the same beyond an academic philosophical discussion, I replied. God is typically taught to explain aspects of the world around us that we can not explain ourselves through our knowledge and technology. Santa, on the other hand, is a story parents know to be false. They tell their children to believe in something and then make an elaborate effort to support something they know is not true (milk and cookies consumed; gifts given by Santa; Father Christmas tracked on the Air Force website). Eventually, the time comes when parents reveal to their children that he never existed; it was them all along eating those cookies.

“But perception,” Dr. Vardi responded, “is reality. So who are you to say? It is the question of the tree falling in the woods and whether anyone hears it.” I responded that to take knowledge to such academic and philosophical realms is fine for spirited dinner conversation, but useless when trying to engage in practical pursuits. “After all, Dr. Vardi, how would you ever solve an engineering problem if all it takes for reality to be formed is to believe something to be true? You must come across many people who believe fervently that products they are developing will be successful; do you invest based upon their beliefs? The question is always whether a tree falling makes a sound. The question is never framed as, ‘Has the tree fallen?’ It’s a given.”

Cnaan Liphshiz, the Haaretz reporter, relayed similar concerns about Wikipedia as Vardi, although less philosophical. Are we a reliable source of information? “The short answer is no,” I said. He looked at me surprised “The problem with such a question is not whether Wikipedia is reliable, but is any one source of information reliable? Studies continually show that Wikipedia is reliable at redacting information and presenting what others say to be true. But are our sources right? No person should rely upon one source for anything. They should seek several sources to form an opinion. Does Wikipedia do a better job of presenting several opinions than The New York Times or Fox News? Yes, I believe they do.”

My presence on this trip, I offered Haaretz, raised the interesting question that Web 2.0 presents: how did the Israeli foreign ministry decide on David Shankbone to report for Wikinews and Wikipedia on this trip? 25% of the answer lies in my accreditation with Wikinews and that I am able to be an original source of reporting. But 75% of the reason rests upon my contributions to Wikimedia projects, which made me stand out over other contributors. Between my photography and my interviews, I have done high profile projects on Wikipedia and its sister projects. So can other commoners like me take off to Israel when we make worthwhile contributions to high-profile Web 2.0 sites like Wikipedia? Maybe. The challenge for firms, governments and organizations today is to figure out who amongst a morass of disparate and sometimes bizarre user names can actually produce substantive work. The answer is that those who want to contribute information to the public sphere need to expend time to find who out there in Web 2.0 is worth contacting, and whether people in Web 2.0 can even do anything for them. This is the same advice I gave the Rubenstein Public Relations company (who manages PR for the Tribeca Film Festival), which is how the Israelis found me.

On a trip like this, what are the Israelis’ goals for Wikimedia? For David Saranga, it goes back to the rebranding of Israel. They simply want people to highlight aspects of their country that do not involve the Israeli-Palestinian conflict. Hence, we are here to look at Israel’s technology sector in a head-spinning array of meetings. This made Wikipedia and Wikinews, influential sources of information that attempt to present the world as it is, an attractive option. “The fact is, there is so much going on in Israel today that nobody knows about because the media does not write stories about Israel outside of the conflict,” said Saranga. The opportunity to have someone from the Internet’s major encyclopedia visit the Weizmann Institute, the Technion and some of the holy sites was golden for them. Just don’t go to the Arab parts and whatever you do, don’t go to Gaza.

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.

MetLife to acquire Travelers Life and Annuity from Citigroup

" href="http://www.crgeng.com/metlife-to-acquire-travelers-life-and-annuity-from-citigroup/" rel="bookmark">
MetLife to acquire Travelers Life and Annuity from Citigroup
Author:

13 Oct

Monday, January 31, 2005

Metlife announced on 01/31/05 that they were going to acquire Travelers Life and Annuity from Citigroup. Travelers Life and Annuity is an insurance underwriter. MetLife is a large life insurance and annuities underwriter. MetLife will have to borrow a lot of money to pay for the company, so rating agencies like S&P warn that the AA credit rating of MetLife might be lowered. This would cause the interest rates at which all of MetLife’s debt must be repaid to increase.

Citigroup committed to continue distributing Travelers life insurance and annuities through its Smith Barney stock brokers, Primerica agents, and Citibank branches.

Citigroup was previously known as Travelers Insurance before it bought Citicorp. First the Property and Casualty business of Travelers was spun off, and now the life insurance division has been sold off. This is primarily because insurance underwriters get a lower price to earnings multiple from the stock market because of the cycles and uncertainty associated with the insurance business. Also, having an insurance underwriter and a bank together does not usually create “cross-sell” opportunities, because consumers and businesses almost always buy life insurance and annuities through brokers who have a duty to give them other options. Citigroup will continue to sell insurance through its brokers as before.