Fine print

Fine print, small print, or "mouseprint" is less noticeable print smaller than the more obvious larger print it accompanies that advertises or otherwise describes or partially describes a commercial product or service.[1] The larger print that is used in conjunction with fine print by the merchant often has the effect of deceiving the consumer into believing the offer is more advantageous than it really is. This may satisfy a legal technicality which requires full disclosure of all (even unfavorable) terms or conditions, but does not specify the manner (size, typeface, coloring, etc.) of disclosure. There is strong evidence that suggests the fine print is not read by the majority of consumers.[2]

Fine print may say the opposite of what the larger print says. For example, if the larger print says "pre-approved" the fine print might say "subject to approval". [3] Especially in pharmaceutical advertisements, fine print may accompany a warning message, but this message is often neutralized by the more eye-catching positive images and pleasant background music (eye candy). Sometimes television advertisements flash text fine print in camouflagic colors, and for brief periods of time, making it difficult or impossible for the viewer to read.

The use of fine print is a common advertising technique in certain market niches, particularly those of high-margin specialty products or services uncompetitive with those in the mainstream market. The practice, for example, can be used to mislead the consumer about an item's price or value, or the nutritional content of a food product.[4]

US Federal Trade Commission (FTC) regulations state that, for an advertised offer to be lawful, the terms of the offer must be clear and conspicuous, not relegated to fine print.[5]

Minnesota Tax Cut Rally 2011 (5697256303)
Political endorsement signs often have fine print disclaimers.

Controversial aspects

Legal prohibitions in the United States

US FTC regulations state that unfair or deceptive acts or practices in or affecting commerce are unlawful. (15 USC § 45 (a))[6] In relevant part, they state that contingent conditions and obligations of an offer must be set forth clearly and conspicuously at the outset of the offer, and that disclosure of the terms of the offer set forth in a footnote of an advertisement to which reference is made by an asterisk or other symbol placed next to the offer, is not regarded as making disclosure at the outset. (16 CFR 251.1)[5]

Fine print is controversial because of its deceptive nature. Its purpose is to make the consumer believe that the offer is really great. Though the real truth about the offer is technically available to the consumer in the smaller print of the advertisement—thus virtually ensuring plausible deniability from claims of fraud—it is often designed to be overlooked. The unsuspecting customer, who can instantly see all the attractive aspects of the offer, will, due to natural impulsive behavior, time constraints, and/or personal need, generally not bother to learn the caveats, instead focusing on the positives of the deal.[3]

Many offers, advertised in large print, only apply when certain conditions are met. In many cases, these conditions are difficult or nearly impossible to meet.

In many cases, the business states in fine print that it reserves the right to modify the terms of the contract at any time with little to no advance notice. This controversial practice is often seen in the banking and insurance industries. It is also widely abused in terms of use statements and privacy policies. However, in early 2009, the federal case of Harris v. Blockbuster Inc. ruled that these "unilateral modification clauses" were illusory and, thus, unenforceable.[7]

In some cases, the seller who uses this technique will engage in the practice of bait and switch. The customer will be told when ready to purchase that for one reason or another, they will not be eligible for the advertised offer, and will be coerced into one that is higher priced (see Hard sell). Reasons they may be given include his/her age, race, religion, credit rating, size or location of residence, the type of vehicle s/he owns, the amount of prior business s/he has done with that company, or the variety of the item s/he wishes to purchase. Often when this occurs, the limitations that render him/her ineligible will apply to an overwhelming majority of consumers.

Very frequently, consumers, eager to obtain a product or service they have the dire need or wish for, or that they have been coerced into obtaining, will sign their names on a binding contract. A court may find the consumer to be liable to the terms of the contract, although stated only by the fine print, and an exit from these terms may be costly or impossible.

Some examples of how consumers are deceived are as follows:

  • A credit card, advertised with a 0% rate in large print, will offer this only for an introductory period of a few months. After that, the rate will be something like 19.95%, and may increase even more due to universal default.[8]
  • A contract may use small print that may pass unnoticed to require a customer or subscriber to pay various fees that are not stated in the headline price. A subscriber to, for example, a cell phone contract may be bound to the contract for a specified period, subject to a large payment for early termination. Tickets for air travel may exclude taxes, luggage charges, and other unavoidable "extras". Some contracts—and sometimes services payable after a free trial period—automatically renew if not cancelled by a specified time. A holiday may advertise an attractive price in large print, with "per person, double occupancy" in small print. Words such as "from" or "as low as" may be under-emphasised in offers where more than the minimum is usually wanted.
  • An item such as a car may be advertised at far below its market value in large print, with conditions, such as military membership, or a trade-in, listed in small print.
  • Auto repair shops frequently advertise either with coupons or large signs outside their businesses for common maintenance and repair services, such as oil changes, tune-ups, and tires. These ads fail to mention factors that may raise that price, such as fees and add-ons for various services, mechanics telling customers more costly repairs are necessary or else the vehicle may be further damaged, or the price being for each individual part (such as a wheel), where the vehicle has several of that part all needing the service, and thereby multiplying the cost by that number. Many ads will also state in fine print "most cars," but in reality, most cars, including that of the customer seeking the service, will be excluded.
  • Warranties: The warranties for many products, such as automobiles, are offered or sold with the promise that they will cover a large number of scenarios, should they occur, and often routine maintenance. But they are accompanied by fine print to exclude virtually all repairs that will likely be needed. The coverage for some routine maintenance may also be a lure in which the service center will intentionally damage the vehicle, unknown to its owner, thereby forcing the owner to return for additional costly repairs in the future.
  • Insurance policies: Particularly health and life insurance will exclude a good deal of scenarios in which one would normally file a claim. For example, life insurance will not normally cover suicides within a specified time after the policy is bought, and homeowners' insurance will not normally cover arson.
  • Rebates: Many products are advertised with a price printed in large numbers. However, a higher price is printed above in much smaller numbers, and the large-print price is only given after a rebate. Initially, the customer must first pay the high price. In order for the rebate to be redeemed, the customer must then follow a set of instructions. In some cases, meeting all the requirements necessary in order to obtain the rebate may be difficult, and as a result, many rebates are denied.[9]
  • Infomercial products: These come in many forms. Often, companies either load their sales with a lot of fine print, or simply do not abide by their promises (the latter is technically illegal, but many are not worried because the amount they make from ripping people off usually makes up for the amount of fines they pay to the government).

Fine print on TV and other video media

A common practice has been to use fine print in advertising on television. In such a case, the fine print is displayed at the bottom of the screen in a manner where it is not noticeable to many viewers, or is displayed for such a short time that no one has the time to read the entire paragraph without an artificial means of stopping the commercial, i.e. record it or freeze frame it, such as with a digital video recorder (DVR), in order to read it. The attention is drawn away from this little section by the more eye-catching or large print description of the offer, which alone is untrue.

Fine print is often illegible, e.g., when a TV picture is noisy, low-resolution, or the viewer's sight is impaired. Banking offers have been displayed on video billboards by highways that are unreadable by passing drivers.[10]

Verbal fine print

Some TV and radio commercials are concluded with "fast talking", which is barely audible or comprehensible to most. While it is this very message that states all necessary disclaimers and exceptions to the advertisement, it is often stated too fast for the viewer or listener to comprehend. This is often coupled with pleasant background music and positive images, which in turn takes the consumer's focus off of the disclaimer.

Fighting fine print

Many consumer advocates are active in lobbying for laws to limit the rights of an advertiser to use fine print to hide the truth, and to expand rights to consumers who fall victim to fine print. Due to free speech that is granted to advertisers, passing such laws in the United States has proven to be difficult.

Credit cards

Consumer advocates have widely criticized the credit card industry for its increasing ruthlessness in its practices, which allow the banks seemingly unlimited rights to charge whatever fees they wish, to rewrite the terms and conditions faced by the consumer at will, and to not be challenged by the consumer in their practices. The consumer who initially obtained the card was inevitably drawn by the large print, which was accompanied by pages of fine print few are likely to read in full or to understand. During the 1990s, two laws against such practices were overturned by the U.S. Supreme Court, and these rulings are said to have opened the floodgates for even more ruthless practices.[11]

Rebates

Several states have considered laws that would require retailers to provide advertised rebates to customers at the time of the purchase with no strings attached.[12] These laws have been widely opposed by corporations, and are yet to have passed in any states, except Connecticut and Rhode Island, where they are only allowed if unadvertised.[13]

Banking

Advertising by conventional banks is relatively highly regulated, requiring disclosures that generally are made, but appear in small print. In some cases, the minimum size of any small print is regulated, such as credit card advertising/application Schumer box disclosure requirements. One bank offered non-FDIC-insured CDs yielding 10% in letters almost 3″ high, while the small print 1/16″ high disclosed the lack of insurance.[14]

See also

References

  1. ^ Web site 'outs' fine print - The Red Tape Chronicles - msnbc.com Archived January 13, 2008, at the Wayback Machine
  2. ^ https://www.forbes.com/sites/firewall/2010/04/08/who-reads-the-fine-print-online-less-than-one-person-in-1000/ Who Reads The Fine Print Online? Less Than One Person In 1000 - Forbes
  3. ^ a b AG filing against BlueHippo
  4. ^ For example, see the Macy's ad image in this article, which tends to mislead the consumer to think that a discount will be available and hence to shop at Macy's because of anticipated pricing that will likely turn out to be unavailable.
  5. ^ a b "16 CFR 251.1 - The guide". www.gpo.gov.
  6. ^ "15 U.S. Code § 45 - Unfair methods of competition unlawful; prevention by Commission". LII / Legal Information Institute.
  7. ^ "Texas Court Rules that Internet Contract Giving Website Owner the Right to Make Unilateral Amendments Is Illusory". April 22, 2009. Archived from the original on 2010-12-22.
  8. ^ "Secret History Of The Credit Card - Eight Things A Credit Card User Should Know - FRONTLINE - PBS". www.pbs.org.
  9. ^ AG filing against TigerDirect
  10. ^ A CBS Outdoors digital billboard, located on the East Bay side of the San Francisco-Oakland Bay Bridge, 59' x 19' with a resolution of 720 x 240 pixels, displayed a banking ad with small print on May 6, 2009.
  11. ^ "The Credit Card Accountability, Responsibility and Disclosure Act - Public Citizen". www.citizen.org.
  12. ^ "NY State Senate Bill S6815". 3 October 2015.
  13. ^ "Archived copy" (PDF). Archived from the original (PDF) on 2013-05-01. Retrieved 2012-09-20.CS1 maint: Archived copy as title (link)
  14. ^ "Roundtable on Insurance Reform" (PDF). www.fdic.gov.

Further reading

External links

Colonial Penn

Colonial Penn Life Insurance Company is a Philadelphia-based life insurance company, founded by philanthropist and AARP co-founder Leonard Davis, owned by CNO Financial Group. Colonial Penn, originally focused on people over 65 who became the origins of insurance provided through American Association of Retired Persons, now known as AARP, now has a marketing campaign is aimed at people between the age of 50 and 85, specializing in guaranteed acceptance whole life insurance. Jeopardy! host Alex Trebek commonly appears as a compensated endorser for Colonial Penn in advertisements. Former endorsers include Star Search host Ed McMahon, male singer Lou Rawls, and Joe Theismann.

Utility holding company FPL Group acquired Colonial Penn in 1985. FPL sold Colonial Penn to Leucadia National in 1991.Conseco bought Colonial Penn from Leucadia in 1997, and in 1998 it was renamed Conseco Direct Life to reflect Conseco ownership. In 2001, the name was changed back to Colonial Penn, though, according to the fine print at the end of Colonial Penn commercials today, it is still Banker's Conseco Life Insurance Company for residents of The New York State.

Corporate transparency

Corporate transparency describes the extent to which a corporation's actions are observable by outsiders. This is a consequence of regulation, local norms, and the set of information, privacy, and business policies concerning corporate decision-making and operations openness to employees, stakeholders, shareholders and the general public. From the perspective of outsiders, transparency can be defined simply as the perceived quality of intentionally shared information from the corporation.Recent research suggests there are three primary dimensions of corporate transparency: information disclosure, clarity, and accuracy. To increment transparency, corporations infuse greater disclosure, clarity, and accuracy into their communications with stakeholders. For example, governance decisions to voluntarily share information related to the firm's ecological impact with environmental activists indicate disclosure; decisions to actively limit the use of technical terminology, fine print, or complicated mathematical notations in the firm's correspondence with suppliers and customers indicate clarity; and decisions to not bias, embellish, or otherwise distort known facts in the firm's communications with investors indicate accuracy. The strategic management of transparency therefore involves intentional modifications in disclosure, clarity, and accuracy to accomplish the firm's objectives.Standard & Poor's has included a definition of corporate transparency in its GAMMA Methodology aimed at analysis and assessment of corporate governance. As a part of this work, Standard & Poor's Governance Services publishes the Transparency Index which calculates the average score for the largest public companies in various countries.

Transparency International publishes an index of corporate transparency based on public disclosure of anti-corruption programmes and country-by-country reporting. Corporate transparency is also used to refer to radical transparency in corporate governance. Transparency Index calculated as the average score for the largest public companies in various countries.

Corporate transparency is also used to refer to radical transparency in corporate governance.

Dante (typeface)

Dante is a mid-20th-century book typeface designed by Giovanni Mardersteig, originally for use by the Officina Bodoni. The original type was cut by Charles Malin. The type is a serif face influenced by (but not directly indebted to) the types cut by Francesco Griffo between 1449 and 1516. Mardersteig had become acquainted with Griffo's type in the design of his previous typeface, called Griffo. One of the primary objectives in designing Dante was in keeping a visual balance between the roman and italics (in Griffo's time typefaces were cut in roman style and italic style, but not both).

The name of the typeface comes from the first book in which it was first used, Boccaccio's Trattatello in Laude di Dante, published in 1955 by the Officina Bodoni. The book used types cut by Malin between 1946 and 1952. The date of the typeface is sometimes given as 1954. Dante would become one of the most used types by Mardersteig.

Originally Dante was cut for use on the private handpress, but Monotype had already expressed interest in issuing Dante for machine composition before 1955. This was about the same time that Malin died, and Monotype was also interested in adding a semibold weight to the Dante family. Matthew Carter, in his twenties at the time, was recruited to cut some of the initial punches of the semibold. Monotype issued its Dante in 1957.Dante was redrawn for digital use by Monotype's Ron Carpenter in 1993.

Embers (album)

Embers is the debut album of Pakistani American singer-songwriter and former iiO front-woman Nadia Ali, released on September 15, 2009 by Smile in Bed Records. The album features Billboard Hot Dance Club Songs number one single "Love Story", top 4 single "Fine Print" and top 6 single "Crash and Burn". On December 1, 2010, the Morgan Page remix of "Fantasy" was nominated in the Best Remixed Recording, Non-Classical category at the 53rd Grammy Awards.

Fine Print (song)

"Fine Print" is a song by Nadia Ali. It was released on July 1, 2009 as the third single from Ali's debut solo album Embers by Smile in Bed Records.

Fine print (disambiguation)

Fine print is a colloquial term describing printed words that are in smaller, less noticeable typeface than the more obvious larger print that it accompanies.

Fine print may also refer to:

"Fine Print" (song), a 2009 song by Nadia Ali

The Fine Print: A Collection of Oddities and Rarities, an album by the band Drive-By Truckers

The Fine Print, a band in which Jerry Holkins is the lead singer

The Fine Print and other Yarns, a collection of stories by Dinesh Verma

"The Fine Print", a fourth season episode of the AMC television series Mad Men

The Fine Print, a 2012 nonfiction book by David Cay Johnston

George Watsky

George Virden Watsky (born September 15, 1986), known professionally as Watsky, is an American hip hop artist, author, and poet from San Francisco, California. Watsky performs slam poetry, and was featured on Season 6 of Russell Simmons Presents Def Poetry on HBO. His talents began to receive national and international acclaim in 2006 when he was the Youth Speaks Grand Slam Poetry Champion, and was also named Brave New Voices International Poetry Slam Champion.Watsky broke out as a rapper with his viral video "Pale kid raps fast" in 2011. He went on to record several hip hop albums, including Cardboard Castles in 2013, All You Can Do in 2014, x Infinity in 2016, and Complaint in 2019, and held many live performances with his touring band Créme Fraîche. Watsky is also known for his appearances in Epic Rap Battles of History, and as an author following the publication of How to Ruin Everything in 2016.

In and Out of Love (Cheri Dennis album)

In and Out of Love is the debut album of American R&B singer Cheri Dennis, issued by Bad Boy/Atlantic Records. It was exclusively released digitally through the iTunes Store on November 13, 2007 with a followup of the physical CD's and Vinyl's made available on February 26, 2008. In and Out of Love debuted at #74 on the Billboard 200, Dennis's debut album received highly critically acclaimed reviews despite questions being raised concerning the album's sudden halt possibly due to the record label and the music industry's infamous promotional discrepancies, corruption, quid pro quo, fraudulent fine print being added onto contracts, breach of contract, and federal embezzlement."Portrait of Love", the second of three singles released, reached #55 on Billboard's Hot R&B/Hip-Hop Songs chart. It was originally entitled "Portrait" and featured only Yung Joc, but after the single was leaked the track title was changed and Gorilla Zoe was added to the song. The first single "I Love You" peaked at #18 on Billboard, and the third single "Pretend" featuring Maino peaked at #116 on the charts. Promotion of third single was neglected due to her record label revoking budgets and refusing to grant funds for the album's future singles because of slow record sales Due to the record label purposely releasing undershipped copies which resulted in the album pacing off of the charts and remaining discontinued at an Out of print status and only available via streaming.

Krackel

Krackel is a chocolate bar made by The Hershey Company.

Lease

A lease is a contractual arrangement calling for the lessee (user) to pay the lessor (owner) for use of an asset. Property, buildings and vehicles are common assets that are leased. Industrial or business equipment is also leased.

Broadly put, a lease agreement is a contract between two parties, the lessor and the lessee. The lessor is the legal owner of the asset; the lessee obtains the right to use the asset in return for regular rental payments. The lessee also agrees to abide by various conditions regarding their use of the property or equipment. For example, a person leasing a car may agree that the car will only be used for personal use.

The narrower term rental agreement can be used to describe a lease in which the asset is tangible property. Language used is that the user rents the land or goods let out or rented out by the owner. The verb to lease is less precise because it can refer to either of these actions. Examples of a lease for intangible property are use of a computer program (similar to a license, but with different provisions), or use of a radio frequency (such as a contract with a cell-phone provider).

The term rental agreement is also sometimes used to describe a periodic lease agreement (most often a month-to-month lease) internationally and in some regions of the United States.

List of 2009 This American Life episodes

In 2009, there were 25 This American Life episodes.

Episode 372 – "The Inauguration Show"

Episode 373 – "The New Boss"

Episode 374 – "Somewhere Out There"

Episode 375 – "Bad Bank"

Episode 376 – "Wrong Side of History"

Episode 377 – "Scenes From a Recession"

Episode 378 – "This I Used to Believe"

Episode 379 – "Return To The Scene Of The Crime"

Episode 380 – "No Map"

Episode 381 – "Turncoat"Show description: Stories of people betraying, or perceived as betraying, their own people.

Act 1: Code Red – Ira Glass and My Thuan Tran (The Los Angeles Times reporter)

How San Jose City Councilwoman Madison Nguyen was first celebrated, then red-baited and demonized by the Vietnamese-American community that elected her.

Act 2 & 3: My Way or the FBI Way – Michael May (reporter)

How Brandon Darby, a radical activist against the United States government, became an FBI informant against his former community.

Music interlude: Jamo Thomas – "I Spy (For the FBI)"

Act 4: If the Shoe Fits – Matt Malloy

Reading of Etgar Keret's short story "Shoes," about a Jewish boy and his love for German-made Adidas shoes.

Music interlude: Run DMC – "My Adidas"Episode 382 – "The Watchmen"Show description: Stories produced by the Planet Money team, about how the financial regulation and rating agencies, intended to prevent financial disaster, oversaw and permitted the risky activities that created the global financial crisis of 2008–2009.

Prologue: Ira Glass and Michael Perrino, law professor at St. John's University School of Law, discuss Ferdinand Pecora, lead attorney in the 1930s Senate Banking Committee hearings, who captured public and congressional attention regarding the causes of the Wall Street Crash of 1929.

Act 1: Investigation Report #1 – Chana Joffe-Walt (Planet Money reporter)

While various regulatory agencies were responsible for overseeing components of AIG, there was no agency in charge of their most risky activities—or so it was said by some—despite primary Office of Thrift Supervision oversight, which was hampered by other issues.

Act 2: Investigation Report #2 – Alex Blumberg (NPR correspondent, Planet Money reporter, TAL producer) and David Kestenbaum (Planet Money reporter)

The story of how credit rating agencies, Standard and Poors, Moody's and Fitch, gave AAA ratings to the risky financial instruments that facilitated the 2008 financial collapse.Episode 383 – "Origin Story"Show description: Stories that explain or dispute the origins of institutions, creative work, the law, and people.

Prologue: Ira Glass, business professor Pino Audia, and Fast Company columnist Dan Heath discuss why so many corporate creation myths involve garages.

Act 1: Mad Man – Sarah Koenig (TAL producer)

The story of the conflict over credit between two advertising legends, Julian Koenig and his former advertising partner George Lois.

Act 2: The Secret Life of Secrets – Ira Glass (TAL host)

How the 1953 U.S. Supreme Court case established the controversial State Secrets Privilege by accepting dubious government claims.

Music interlude: Nedelle – "Friends and Ancestors"

Act 3: Wait Wait... Don't Film Me – Ira Glass (TAL host) and Peter Sagal (host of Wait Wait... Don't Tell Me!)

How Sagal's original screenplay became a contrived movie sequel.

Act 4: Bill Clinton’s 7-Year-Old Brother – Mary Wiltenburg (reporter)

A Tanzanian boy in America struggles to decide his identity.

Music interlude: John Lennon – "Dear John"Episode 384 – "Fall Guy"

Episode 385 – "Pro Se"

Episode 386 – "Fine Print"

Episode 387 – "Arms Trader 2009"

Episode 388 – "Rest Stop"

Episode 389 – "Frenemies"

Episode 390 – "Return To The Giant Pool of Money"

Episode 391 – "More Is Less"

Episode 392 – "Someone Else's Money"

Episode 393 – "Infidelity"

Episode 394 – "Bait and Switch"

Episode 395 – "Middle of the Night"

Episode 396 – "#1 Party School"

List of marketing terms

Many terms are used in the marketing field.

AIDA (marketing)

Arrow information paradox

Article marketing

Article video marketing

Attack marketing

Bargain bin

Business-to-business

Business-to-consumer

Business-to-government

Cause marketing

Copy testing

Cost per conversion

Customer lifetime value

Customer relationship management

Decision making unit

Disintermediation

Double jeopardy (marketing)

Double loop marketing

Emotional Branding

Engagement (marketing)

Facelift (product)

Fallacy of quoting out of context

Fine print

Flighting (advertising)

Growth Hacking

Heavy-up

Inbound marketing

Inseparability

Intangibility

Integrated marketing communications

Internet Marketing Conference

Low-end market

Marketing Analytics

Marketing communications

Marketing experimentation

Marketing exposure

Marketing information system

Marketing mix for product software

Marketing operations

Marketing speak

Megamarketing

Name program

Next-best-action marketing

Nielsen ratings

Out-of-box experience

Perishability

Permission marketing

Price Analysis

Product lifecycle

Product lifecycle management

Promoter (entertainment)

Q Score

Relational goods

Representative office

Response rate ratio

Return on event

Return on investment

ROI – Return on Investment

SEO – search engine optimization

Share of Wallet

Soft launch

Solutions Marketing

Sports Entertainment

Square inch analysis

Sweeps period

Top of mind awareness

Visual merchandising

White label

Mumbo jumbo (phrase)

Mumbo jumbo, or mumbo-jumbo, is confusing or meaningless language. The phrase is often used to express humorous criticism of middle-management, and specialty jargon, such as legalese, that non-specialists have difficulty in understanding. For example, "I don't understand all that legal mumbo jumbo in the fine print."

It may also refer to practices based on superstition, rituals intended to cause confusion, or languages that the speaker does not understand.

Nadia Ali discography

The discography of Nadia Ali, a Pakistani American singer-songwriter, consists of one studio album, three remix albums, twenty-five singles (including fifteen as a featured artist) and fourteen music videos. Ali began her career in 2001 as the frontwoman of New York-based house music act iiO, whose debut single "Rapture" reached number two on the UK Singles Chart and Billboard Hot Dance Club Play Chart and charted in several other countries. While with iiO, she released the 2005 studio album Poetica, which reached number 17 on Billboard Dance/Electronic Albums chart. Apart from "Rapture", the album produced five other singles including the Billboard Hot Dance Club Play number one single "Is It Love?". Ali left iiO in 2005, while the band continued to release material featuring her on vocals, most notably the 2011 studio album Exit 110.Ali began her solo career in 2006 with a collaboration with Dutch DJ Armin van Buuren, appearing on his single "Who is Watching?", which reached number 19 in Finland. She released her debut solo album Embers in 2009, which was praised for her songwriting and the blend of electronic, acoustic and Eastern music. The album spawned four singles, which included the Billboard Hot Dance Club Play chart-topper "Love Story", the top-ten "Fine Print" and "Crash and Burn" and the Grammy-nominated "Fantasy". She was also featured on Tocadisco's single "Better Run", which peaked at number 15 in Belgium.In 2010, Ali released a remix album series titled Queen of Clubs Trilogy consisting of three albums, Ruby Edition (August 2010), Onyx Edition (October 2010) and Diamond Edition (December 2010). The trilogy produced one single: the re-released "Rapture", which charted in several countries in Europe and reached number three in Romania. Ali's first release in 2011 was the single "Call My Name" with Sultan and Ned Shepard; the track was a club success peaking at number five on Billboard Hot Dance Club Play Chart. Her second release was the track "Pressure", which became a club and festival anthem in summer 2011, while also charting in Belgium and Netherlands. As of 2018, she has been working under the project HYLLS, releasing a new song every month.

Pizza Deliverance

Pizza Deliverance is the second album released by Alabama country rock group Drive-By Truckers, released in 1999. It was recorded with high spirits in five days at Patterson Hood's house. The album was mixed by Andy LeMaster. The album cover art was created by Jim Stacy. The album was re-released by New West Records on January 25, 2005 along with the band's first studio effort, Gangstabilly.

Hood dedicated the album to Arthur Alexander, Sam Phillips and Jerry Wexler.

After the release of Pizza Deliverance the band began touring some 150 dates in as little as six months. It was during the beginning of the tour that Brad Morgan replaced Matt Lane on drums due to Lane's decision to focus more on his own band, The Possibilities. Most of Drive-By Trucker's breakthrough album, Southern Rock Opera, was written while the band toured in support of Pizza Deliverance.

Pizza Deliverance saw guitarist Mike Cooley's first major contributions to the band (aside from Gangstabilly's "Panties In Your Purse") as his songwriting and lyrical style continued to develop. An alternate (and more electric) version of Cooley's "Uncle Frank" was recorded during The Dirty South sessions and can be heard on The Fine Print: A Collection of Oddities and Rarities.

Saaya (novel)

Saaya is a Nepali novel written by Subin Bhattarai and published by Fine Print in 2014 as sequel to Summer love.

Bhattarai's third book and second novel, the plot concerns how the misunderstanding in Summer love cleared and how they convince their family. It was a best selling book in Nepal and it was reprinted in the same month August, and was one of the best-selling books in the country for the year. The book was launched by

actresses Garima Panta and Keki Adhikari, and author

Bhattarai himself at Nepal Academy, Kamaladi where there were thousand of fans.Plot

It is the sequel of summer love. It is based on point of view of narrator, Atit, Saya and Susmita. According to the story, narrator takes the responsibility to mend the things between Atit and Saya.

Summer Love (novel)

Summer Love is a Nepali novel by Subin Bhattarai published by Fine Print in 2012.

Bhattarai's second book and first novel, the plot concerns college students at the Central Department of Environmental Science (CDES) at Tribhuvan University falling in love. It was a best selling book in Nepal with in excess of 20,000 copies sold, and one of the best-selling books in the country for the year. Saaya is the sequel Summer Love Novel. Summer Love is now available in English. Pratima Sharma translated the book from Nepali to English.

A sequel titled Saaya was released in September 2014.

Trojan horse (business)

In business, a trojan horse is an advertising offer made by a company that is designed to draw potential customers by offering them cash or something of value for acceptance, but following acceptance, the buyer is forced to spend a much larger amount of money, either by being signed into a lengthy contract, from which exit is difficult, or by having money automatically drawn in some other method. The harmful consequences faced by the customer may include spending far above market rate, large amount of debt, or identity theft.

The term, which originated in New England during the 2000s, and has spread to some other parts of the United States, is also sometimes misused in reference to an item offered seemingly at a bargain price. But through fine print and other hidden trick, the item is ultimately sold at above market rate.

Some of the items involved in trojan horse sales include cash, gift cards or merchandise viewed as a high-ticket item, but the item actually being given away is made cheaply, has a very low value, and does not satisfy the expectations of the recipient. Meanwhile, the victim of the trojan horse is likely to end up spending far more money over time, either through continual withdrawals from the customer's bank account, charges to a debit or credit card, or add-ons to a bill that must be paid in order to avoid loss of an object or service of prime importance (such as a house, car, or phone line).

Victims of trojan horses include poor people or those who are searching for bargains or the best price on an item. Many of these victims end up with overdrawn accounts or over-the-limit on their credit cards due to fees that are automatically charged.

Some of the businesses using trojan horse marketing include banks, internet and cell phone service providers, record and book clubs and other companies in which the customer will be expected to have a continuing relationship. Banks often offer cash initially for opening an account, but later charge fees in much larger amounts to the account holder. Auto-manufacturers and car dealerships will often advertise free or subsidized gas to car buyers for a certain amount of time, but increase the cost of the car in other ways. Cell phone companies use trojan horse marketing by attempting to sell items like ringtones to customers, who unknowingly are sold many more ringtones over time.

Terminology
Notable
scams and
confidence tricks
Internet scams
and
countermeasures
Pyramid and
Ponzi schemes
Lists

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