Sunday, October 19, 2014

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U.S. rolling out chip card technology, ever so slowly

U.S. rolling out chip card technology, ever so slowly

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If you've traveled overseas recently, you may have had a moment when your magnetic stripe credit card didn't work. In places where most credit cards are identified by microchip -- Europe, Asia, Canada, Mexico, Brazil, to name a few -- relying on standard American magnetic-stripe cards can be inconvenient.  It can also make you more vulnerable to fraud.
Instead of swiping a chip card, you insert it into a payment terminal. Identifying information is encrypted on an embedded microchip, which is more difficult to counterfeit than a magnetic stripe. 
More than 80 countries around the world use chip technology. Yet less than 1 percent of credit cards issued in the U.S. have chips. That's about to change.
U.S. slowly rolling out chip card technology Europe began the migration to chip cards soon after 2002, when EuroPay, MasterCard and Visa collaborated on EMV, the leading global standard for chip technology. While magnetic stripes offer the same data every time you make a purchase, chip cards encrypt different data for each transaction, making them harder to clone or use fraudulently.
Boosting security at home and abroad
Convenience while traveling seems to be the primary motivation for U.S. consumers to request chip cards now, but frequent overseas travelers also appreciate the added security, says Sisy Vicente, general manager of Chase Card Services. "Having a microchip makes it a more secure transaction for our card members as they go abroad because it makes it more difficult to counterfeit their cards," says Vicente.
Several years ago, this reporter had a credit card cloned while traveling in Bali. The card never left my possession, so I had no idea my account was vulnerable. Within a week, someone had already traveled to Thailand and charged more than $1,300 worth of jewelry to my account using a counterfeit card bearing a different name. Luckily, Citi's fraud department caught and resolved the problem early.
That kind of cloning would have been impossible with a chip card. "If a microchip is used instead of a magnetic stripe at point of sale, the data copied becomes useless for creating a cloned card," says Guy Berg, now senior managing consultant for MasterCard, but speaking as an EMV expert who has helped many countries migrate to chip cards. "If someone were to steal data from a single transaction and make a card from it, that card would be identified as data used before and not authorized." The counterfeiter would be caught in the act.
Increasingly, card counterfeiting is finding its way to the U.S., especially now that both Mexico and Canada have adopted EMV. Fraudsters look for the low-hanging fruit and with tougher standards elsewhere, they're concentrating their efforts in the States.
"Given that the United States is one of the last economies, and definitely the largest, to migrate to EMV, it's attracting a lot of focus from organized crime elements," says Berg. "This is becoming one of the easiest places to commit counterfeit fraud, and the problem is expected to grow at a faster pace."
Chips are coming
Concern about the upswing in credit card fraud is one reason U.S.-based card issuers, financial institutions and retailers have set a deadline of October 2015 to put an EMV payment system in place. That's when liability for counterfeit fraud shifts from the issuers to merchants and their acquirers if their equipment does not support EMV.
This is becoming one of the easiest places to commit counterfeit fraud, and the problem is expected to grow at a faster pace.
-- Guy Berg
Credit card consultant
Industry experts say we can expect a large-scale rollout of chip cards in the U.S. later this year and into 2014. By October 2015, major retailers will likely have terminals in place to read chip cards. Without terminals to support EMV, retailers rely on the mag stripe -- even when the card contains a chip.
Don't expect to use chip cards at the gas pump until at least 2017, however. "Installing that equipment requires specially certified personnel working in a highly combustible environment," Berg says.
Most issuers are doing a business case analysis to determine when it makes sense to begin issuing EMV cards. Chase, Citi, American Express, Discover and a few credit unions began introducing chip cards in 2012.  Currently, there are at least 50 EMV cards available to U.S. cardholders, according to a list compiled by the frequent traveler forum FlyerTalk.
Bank of America offers chip-and-signature technology for a dozen cards, including its Travel Rewards, AAA Member Rewards, Virgin Atlantic and Asiana Airlines cards. Citi has EMV chips in some AAdvantage and Thank You Premier cards. Chase offers them in J.P. Morgan cards and cards co-branded with Hyatt, Marriott, Ritz-Carlton and British Airways. American Express Platinum and Centurion cards also come with chip-and-signature technology.
Ask and you may (or may not) receive
If you're planning a trip overseas, you should do what a Salt Lake City retired auditor, John Levanger, did to prepare for his trip to Europe in August: Try to trade in at least one of your mag-stripe credit cards for an EMV version. As Levanger will attest, however, that may not be possible. He and his wife hold six credit cards between them -- issued by American Express, Citi, Chase and a credit union -- but when he contacted American Express and the credit union, he was told EMV was not yet available for those particular cards.
What do you think you will need to do about your cards when traveling abroad?
Vote
Adding an EMV chip to a card is complicated, so issuers are doing it one category at a time. So far they tend to be concentrating their efforts on cards aimed at big spenders and corporations, or on those that are co-branded with airlines and international hotel chains.
Like most issuers, Chase began with cards showing the most international purchases, according to Vicente. "We knew those customers would value this new innovation the most," says Vicente. "The response has been fantastic, especially for folks who no longer have to line up to pay cash to get their tickets at the airport or the rails system. There are a lot of kiosks in those places."
Why are we getting chip-and-signature?
While chip-and-PIN cards are prevalent in Europe and Asia, the U.S. market offers a PIN option on only a dozen cards, mainly issued by credit unions. PenFed offers four credit cards with both signature and PIN capability, and a $20 donation will get you into the credit union. PenFed declined to speak on record. Wells Fargo has a high-end PIN option as well, but also turned down a request for an interview.
Representatives of Chase and American Express say chip-and-signature is all they offer to U.S. cardholders and it's not an issue. However, overseas travelers occasionally report problems using chip-and-signature cards at unmanned kiosks.
Is signature-only enough to prevent card fraud, especially traveling outside the U.S.? Not entirely, says Randy Vanderhoof, executive director of the Smart Card Alliance. "Chip-and-signature cards solve the problem of counterfeit card fraud, but they don't solve for lost and stolen card fraud," says Vanderhoof. "Having a PIN would add an additional level of protection."
Chip-and-signature cards solve the problem of counterfeit card fraud, but they don't solve for lost and stolen card fraud.
-- Randy Vanderhoof
Smart Card Alliance
The standard argument to that has been that financial institutions issue millions of credit cards that don't support PINs, so there's a significant learning curve for consumers and merchants to change how they use their cards. Berg points out that Americans carry more credit cards than is typical in other countries -- four or five on average. To memorize that many PINs is a point of resistance, and the first time a customer enters one wrong and a card is rejected, that registers as a card that didn't work.
MasterCard and Visa have taken slightly different stands on the PIN vs. signature issue. MasterCard publically announced to issuers that it will support either signature or PIN. Visa advised its issuers that it recommends chip-and-signature, but will support financial institutions that want to issue a PIN. "It's not that the entire industry has decided on one method," Vanderhoof says. "It's still being left up to financial institutions whether they want to take that risk associated with issues of consumer learning and customer support."
"Everyone agrees -- merchants, consumers and financial institutions -- that in moving to the more secure platform of EMV, we don't want to create headaches that cause consumers not to want to use this," Vanderhoof says.
Will we get a PIN option?
Berg predicts a PIN option will be added to chip cards eventually, based on his experience helping other countries -- including Japan, Brazil and Taiwan -- make the transition to EMV. "Many issuers may start off not supporting PIN in their first round, but then in a couple years, once they have all the functionality to support offline PIN for the chip, we may see more cards going to PIN support," Berg says. "Chip-and-signature is easier to implement in the credit card environment."
Employing the chip, even without the PIN, will alleviate what he sees as the real problem: counterfeiting. "PIN does add an additional element of security, but PIN is not a panacea for security," Berg says. ATM fraud is on the rise and ATM cards have always used PINs, he points out. Seven people were arrested in the U.S. in May after criminals stole $45 million in a matter of hours by hacking into a database of prepaid debit cards and draining cash machines around the globe. "There are a lot of instances where organized crime elements have been able to capture the PIN and the information, clone cards and hit ATM networks," says Berg.
Altering the U.S. payment system to acknowledge microchips is no small task. "We have one of the most complicated payment ecosystems in the world," says Vanderhoof. Other countries made the transition to EMV at a fraction of the time and cost, he points out. "Canada, for example, one of most recent to adopt EMV, has five primary financial institutions. They only needed those five to agree and the entire card market could change."
By contrast, the U.S. has more than 10,000 card issuers, a million merchants and 8 million POS devices that accept cards, Vanderhoof notes. All have to change. "Businesses only make investments on that scale if there's a demonstrated return," says Vanderhoof. "They had to see that fraud was bad and getting worse. They're making the investment as insurance on future losses."
At this point, it's difficult to predict how quickly the transition to PIN will happen -- if it happens at all. But it's safe to say we'll soon be inserting, instead of swiping.
See related: American travelers' 2012 guide to chip-and-PIN cards, How can I upgrade to a chip card before a trip to Europe?, New card options let travelers avoid foreign transaction fees

Published: June 11, 2013



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Three most recent Research, statistics stories:

FACT SHEET: Safeguarding Consumers’ Financial Security

 
The White House
Office of the Press Secretary

FACT SHEET: Safeguarding Consumers’ Financial Security

Today, the President is signing a new Executive Order directing the government to lead by example in securing transactions and sensitive data.  The new BuySecure Initiative will provide consumers with more tools to secure their financial future by assisting victims of identity theft, improving the Government’s payment security as a customer and a provider, and accelerating the transition to stronger security technologies and the development of next-generation payment security tools.
During remarks at the Consumer Financial Protection Bureau (CFPB), the President will highlight steps by his Administration and the private sector to improve security.  With over 100 million Americans falling victim to data breaches over the last year, and millions suffering from credit card fraud and identity crimes, there is a need to act — and to move our economy toward stronger, more secure technologies that better secure transactions and safeguard sensitive data.
While there is no silver bullet to guarantee data security, the President is signing an Executive Order to implement enhanced security measures, including securing credit, debit, and other payment cards with microchips in lieu of basic magnetic strips, and PINs, such as those standard on consumer ATM cards. He is calling on all stakeholders to join the Administration and a number of major corporations in driving the economy toward more secure standards to safeguard consumer finances and reduce their chances of becoming victims of identity theft — America’s fastest-growing crime.
Finally today, the President will announce the White House Summit on Cybersecurity and Consumer Protection later this year to promote partnership and innovation.  The Summit will bring together major stakeholders on consumer financial protection issues to discuss how all members of our financial system can work together to further protect American consumers and their financial data, now and in the future.
The President will also renew his call to Congress to enact overdue cybersecurity legislation that will help protect Americans — particularly by clarifying companies’ obligations when sensitive data is breached.
KEY ACTIONS ANNOUNCED TODAY
  • Moving to more secure payment systems:
    As part of the President’s BuySecure Initiative, he is issuing a new Executive Order that — combined with new efforts from the private sector — will help the drive the market towards more secure payment systems.
    • Making Federal payments more secure to help drive the market forward: The President’s Executive Order (EO) lays out a new policy to secure payments to and from the Federal government by applying chip and PIN technology to newly issued and existing government credit cards, as well as debit cards like Direct Express, and upgrading retail payment card terminals at Federal agency facilities to accept chip and PIN-enabled cards.
    • Companies join national effort to improve transaction security: Home Depot, Target, Walgreens, and Walmart will be rolling out secure chip and PIN-compatible card terminals in all their stores — most by January 2015. Also in January, American Express will start a new program to support small businesses upgrading their point of sale terminals to more secure standards.  Finally, Visa will launch a new program to educate consumers and merchants on chip and other secure technologies, sending experts to 20 cities in a national public service campaign.
  • Preventing identity theft:
    The President is also announcing new steps by the government to assist victims of identity theft, and commending actions by the private sector to help Americans stay on top of their financial health and security, through:
    • Victim resources:  The President’s EO will support the Federal Trade Commission in their development of a new one-stop resource for victims, at IdentityTheft.gov, to streamline the reporting and remediation process with credit bureaus. 
    • Information sharing: The President’s EO further directs expanded information sharing, ensuring Federal investigators’ ability to regularly report evidence of stolen financial and other information to companies whose customers are directly affected.
    • Company assistance: MasterCard will also be providing its customers with free identity theft monitoring and resolution support.
  • Supporting credit score transparency:
    Helping consumers catch one of the best early indicators of identity theft, Citi, in partnership with FICO, will begin making credit scores available for free to its consumer card customers updated monthly online — joining the over 70 million Americans who already have access to this feature at other nationwide banks and card issuers.
  • The White House Announces the Cybersecurity and Consumer Protection Summit:
    Later this year, the White House will host, in collaboration with the President’s Cabinet, a summit bringing together key stakeholders in the consumer financial space to share best practices, promote adherence to stronger security standards, and discuss next generation technologies.
 
Leading by Example: Securing Payments Across the Economy
Federal Efforts to Transition to More Secure Payment Systems: Today, the Federal Government is making an enterprise-wide transition to more secure credit, debit, and other payment cards, as well as the retail payment terminals at government locations like the passport office, VA canteens, and national parks.  These new systems will, at a minimum, meet the global security standard of more secure microchips to store card numbers instead of unencrypted magnetic strips, and secure PIN functionality, like the kind featured on most ATM cards.  The goal is not just to ensure the security of doing retail business with the government, but also, through this increased demand, to help drive the market towards swifter adoption of stronger security standards.  Institutions like the United States Postal Service have already made this transition across tens of thousands of retail facilities across the country.
  • Making Chip and PIN Cards the Standard for the Federal Government: These “chip and PIN” cards, which have cut down on payment fraud considerably in other countries, will become the standard for Federal Government programs like SmartPay® and Direct Express®. We are working with these programs to ensure that we begin a replacement program on January 1, 2015, and will, within the calendar year, issue over one million new, more secure government payment cards.
  • Updating to Chip and PIN Card Terminals in Federal Agencies Processing Consumer Sales: Every Federal agency processing consumer sales will actively replace any prior-generation card retail payment card terminals to those with new chip and PIN security features under a plan issued by Department of the Treasury, which establishes requirements that federal agencies must follow when receiving credit and debit card payments when using Treasury’s collection system.
Building Public-Private Awareness About More Secure Authentication: In the next eighteen months, government agencies will ensure personal data digitally released by the government to citizens goes through multiple tests for authentication so that every citizen’s personal information is protected by the most secure methods possible, consistent with a plan the National Security Council Staff, Office of Science and Technology Policy, and Office of Management and Budget will present to the President.
Helping Americans Secure Their Good Name: Improving Resources to Identify and Remediate Identity Theft: Today, the President is also announcing new steps by the government to assist victims of identity theft, and commending actions by the private sector to help Americans stay on top of their financial health and security, through:
  • Credit Score Transparency.  Under the leadership of the Consumer Financial Protection Bureau, a number of leaders in the financial services industry will be making credit scores more readily available to all Americans — improving consumers’ awareness of credit health, and helping them identify major shifts in their credit score, a key first sign of identity theft.
    • Beginning in January Citi, in partnership with FICO, will be making free credit scores available online to consumers with Citi branded credit cards —this score will be updated monthly and is the same score Citi Cards uses in lending decisions.
    • This announcement builds on work done by institutions like Discover, Barclaycard, Pentagon Federal Credit Union, and First National Bank of Omaha who, since implementing similar systems, have provided over 70 million Americans with access to their scores to track their credit health.
  • Improving Identity Theft Resources.  The Department of Justice, Department of Commerce, and Social Security Administration are also working to make the fraud reporting process as easy as possible for Americans who have experienced credit card fraud.  Their goal is to, within two years, reduce by half the amount of time it takes consumers to remediate the average case of identity theft.  To do that, they will:
    • Streamline all necessary sources of information so that visitors to IdentityTheft.gov will be equipped with the resources they need to combat fraud, all in one place, and can more quickly resolve and remediate incidents of identity theft.
    • Build upon the IdentityTheft.gov platform, in partnership with credit bureaus, to develop a more user-friendly and accessible portal that helps digitally submit reports of fraud to multiple credit bureaus.
  • Company Assistance.  Before year’s end, MasterCard will offer all its credit, debit, prepaid and small business card holders free, 24/7 identity theft resolution support and online identity monitoring services.
Enhanced Information Sharing:  Finally, to enhance companies’ and consumers’ ability to respond quickly to incidents of fraud, as they occur, the Department of Justice and Federal Bureau of Investigation will improve and coordinate efforts to regularly submit information about compromised accounts and other information to the National Cyber-Forensics and Training Alliance’s Internet Fraud Alert System.
Private Sector Action to Transition to More Secure Payment Technologies: The President has also called on industry to ensure that consumers know the security of their information is being taken seriously, and to empower citizens with more tools to help safeguard the data that matters most.  Some of the nation’s largest retailers, card issuers, payment networks, and banks are coming together to secure their own systems, and offer more secure options for their customers.  That’s why today, the President is commending private sector steps taken in that direction, including:
  • American Express: In January 2015, American Express will launch a $10 million program to assist small business customers in upgrading their point of sale terminals.
  • Home Depot: In addition to transitioning 85,000 point of sale terminals to support chip and PIN in stores, Home Depot has completed a major new payment security project that provides enhanced encryption of payment data at point of sale in the company’s U.S. stores.
  •  Target: As of this month, Target has completed installation of chip and PIN readers in all its 1,801 stores.  Starting in early 2015, stores will begin accepting all chip-enabled cards and reissuing more than 20 million Target-brand chip and PIN enabled credit and debit cards.
  •  Visa: Visa will invest more than $20 million to educate consumers and merchants on chip and other secure technologies, while also sending experts to 20 cities in a national public service campaign.
  • Walgreens: As of today, Walgreens has chip and PIN readers in all its 8,200 stores, and starting in early 2015, stores will begin accepting cards with these upgraded features.
  • Walmart: By November 1, 2014, all of the nearly 5,000 Walmart and Sam’s Club U.S. stores will have activated chip and PIN readers.
The Continued Need for Congress to Act on Data Breach and Cybersecurity Legislation: While President Obama and his Administration continue to take every possible step to secure our transactions and information, it remains clear that American businesses and consumers demand Congressional action.
As the President outlined in his Cybersecurity Legislative Proposal and as was reiterated in the recent report to the President on Big Data, the current patchwork of laws governing a company’s obligations in the event of a data breach is unsustainable, and helps no one.
  • Data Breach Legislation: Today we are calling on Congress to act with urgency on data breach legislation, to bring clarity to the expectations consumers should have when their data has been breached, and to steps companies must take to notify their customers of risks after such security breaches.
  • Cybersecurity Legislation: We are also calling on Congress to pass meaningful cybersecurity legislation that will help the Government better protect Federal networks and legislation that appropriately balances the need for greater information sharing and strong protection for privacy and civil liberties — respecting the longstanding responsibilities of civilian and military agencies.
https://www.scribd.com/document_downloads/direct/239911123?extension=pdf&ft=1413734458&lt=1413738068&user_id=268279570&uahk=YgeBjdJOdwe+gLyLBSnas41W+GM

My STATEMENT OF TRUTH - Cameron Emails leaked

My STATEMENT OF TRUTH - Cameron Emails leaked

SERIOUS CRIMES ALLEGED AGAINST UK‘PRIME’ MINISTER CAMERON . . . 1) Subverting the Constitution.2) Malfeasance in Public Office.3) Accessory before, during and after the fact of“Aggravated Criminal Damage” (to the Earth). 4) Sedition5) Treason6) Fraudulent Misrepresentation[Section 2, Criminal Damage Act, “damage or destroy ANY property with intent to endanger Life, or KNOWING that Life would be endangered].(maximum Life Imprisonment).

On the 5th of August 2013, I arrived at the anti-fracking protest site in Balcombe.I have been an active campaigner for the environment for over 35 years, using Universal principles of Law in a sustained effort to bring public attention to the criminal nature of Global “un-necessary and unreasonable environmental damage and destruction”.Very soon after arriving at the site, I learned that several people had already been arrested during the protest, and released with bail conditions stipulating that they did not return to the site until after their court appearances which would be several months later, thus effectively barring them from their lawful right to further protest.Several of us went to support the arrested people at a hearing in Crawley magistrates court where the bail conditions were duly lifted.While I was in the court, I was handed a copy of the “Argus” newspaper, and on the front page was a leading article saying that David Cameron had had an email correspondence, over a year previously, with the Environment Agency in which he had asked them to modify a report stating that fracking is very dangerous and should NOT be done anywhere near any underground water supplies, and even then, only under the strictest control. The strong wording was apparently due to serious dangers encountered during many twenty years of “fracking” experience in the USA. It was revealed in the email correspondence that the government’s response to the strongly worded report was to request that the wording in the report be moderated (falsified/finessed) to allow fracking to take place in the UK.The very day before the court hearing, Cameron had been on public television stating candidly that “fracking” is SAFE and that we should embrace this new technology with open hearts as the answer to all our energy needs.My immediate thought was that Cameron was guilty of “misfeasance in public office”,of “fraudulent misrepresentation”, of “subverting the English Constitution”,and “accessory before, during , and after the fact of Aggravated Criminal Damage”. These are VERY SERIOUS CRIMES, and I spent some time considering what to do about the issues raised.The day after the court hearing, I was present at the protest site, when I noticed Superintendent Lawrence Hobbs was in attendance on the other side of the road. I approached him, and laid my concerns before him, notifying him that I wanted to report the crimes; I requested a “crime reference number” and I made it clear that I wanted the crimes investigated.Superintendent Hobbs replied that he would need some time to consider the matter, I asked him how much time he would need . . . he said that he needed until the Monday after the weekend of the 17 – 18 August when things would have calmed down. I replied that things would be getting more busy after the weekend, and I said that if he hadn’t given me a crime reference number within 24 hours I would (reluctantly) have to report him for failing to report the offences. Superintendent Hobbs gave me his business card, and I called him the following morning. He said that he had not reported the offences, that he was too busy to deal with my issues, and please would I go through normal channels in Sussex Police in order to report the allegations. I tried the SP switchboard several times but it was busy.I then noticed that the senior “media relations officer of SP was present on the site nearby, and I approached him with my concerns. He stated that he would pass on my message that I was now going to take the matter further to Superintendent Hobbs. Due to the large number of protestors expected over the weekend of the 17 – 18August, there were several media personnel present, so, having good reason to have little faith that the Police proceedure in this case would be anything other than excruciatingly slow, I fetched a loud-hailer, intending to “raise a hue and cry”, and I made the issues known to all and sundry.The next day my picture appeared in the Argus newspaper as shown here:http://www.theargus.co.uk/resources/images/2595819.jpg?type=articleLandscape 
THIS was the comment in the newspaper underneath me:David Cameron could be charged with crimes if one protester gets his way.http://www.theargus.co.uk/resources/images/2595819.jpg?type=articleLandscapeNick St Clare has asked Sussex Police to charge the Prime Minister with subverting the constitution, accessory for aggravated criminal damage of the environment and maladministration in public office.But he said superintendent Lawrence Hobbs had failed to file the complaints and produce a crime reference number - so Mr St Clare also reported the officer for failing to record the crime.Mr St Clare said: “Life is being endangered. Every police officer takes an oath to uphold the law.“Everyone here is being arrested - but, in my opinion, the protestors are effectively upholding the police oath, which is to uphold the law.“The police should stand by us.” http://www.theargus.co.uk/news/10621199.The_fracking_fightback__day_one_of_the_No_Dash_for_Gas__swoop__on_Balcombe/

http://www.theargus.co.uk/news/10610762.Secret_emails_reveal_the_risk_to_water_in_Sussex_from_fracking_was_known_by_officials/

Secret emails reveal the risk to water in Sussex from frackingwas known by officials

ECO-ACTIVISTS ARE BEING ARRESTED FOR “UPHOLDING THEPOLICE OATH OF OFFICE”. 

 The MOST SERIOUS threat to Life and Property, and the MOST SERIOUS breach of the Law  on the Earth today is “Un-necessary and Unreasonable Environmental Damage and Destruction” –it is commonly agreed to be as serious as a threat of World War, and constitutes the SERIOUS CRIMINAL OFFENCE of “Aggravated Criminal Damage” (max Life Imprisonment).

THE POLICE OATH IS:

“TO PROTECT LIFE ANDPROPERTY AND TO UPHOLD THE LAW”
www.ecotort.blogspot.co.ukhttp://crimebodge.com/how-to-force-the-police-to-investigate-a-crime/

Guess what’s probably behind the spread of Ebola in West Africa? (Hint: It begins with “I”)

Guess what’s probably behind the spread of Ebola in West Africa? (Hint: It begins with “I”)

imagesISLAMIC BURIAL RITUALS: Islam isn’t just at the heart of the threat posed by ISIS. The religion is also contributing to the other major crisis plaguing the globe: the spread of Ebola. Washington and its media stenographers won’t tell you this, lest they look intolerant, but Islamic burial rituals are a key reason why health officials can’t contain the spread of the deadly disease in West Africa.

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Faith Freedom (By Paul Sperry Investors.com)  Many of the victims of Ebola in the three hot-spot nations there — Sierra Leone and Guinea, as well as neighboring Liberia — are Muslim. Roughly 73% of Sierra Leone’s and about 85% of Guinea’s people are Muslim. Islam, moreover, is practiced by more than 13% of Liberians.

When Muslims die, family members don’t turn to a funeral home or crematorium to take care of the body. In Islam, death is handled much differently. Relatives personally wash the corpses of loved ones from head to toe. Often, several family members participate in this posthumous bathing ritual, known as Ghusl.

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Before scrubbing the skin with soap and water, family members press down on the abdomen to excrete fluids still in the body. A mixture of camphor and water is used for a final washing. Then, family members dry off the body and shroud it in white linens.

Again, washing the bodies of the dead in this way is considered a collective duty for Muslims, especially in Muslim nations. Failure to do so is believed to leave the deceased “impure” and jeopardizes the faithful’s ascension into Paradise (unless he died in jihad; then no Ghusl is required).

Dead girl

Before the body is buried, Muslims attending the funeral typically pass a common bowl for use in ablution or washing of the face, feet and hands, compounding the risk of infection. Though these customs are prescribed by Shariah law, they’re extremely dangerous and should be suspended. Mosque leaders must step in to educate village Muslims about the dangers of interacting with corpses.

Ebola victims can be more contagious dead than alive. Their bodies are covered in rashes, blood and other fluids containing the virus. “Funerals and washing dead bodies in West African countries have led, to a great extent, to spread the disease,” a World Health Organization spokeswoman recently warned.

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WHO has issued an advisory to Red Cross and other relief workers in African Muslim nations to “be aware of the family’s cultural practices and religious beliefs. Help the family understand why some practices cannot be done because they place the family or others at risk for exposure.”

The document added: “Identify a family member who has influence with the rest of the family and who can make sure family members avoid dangerous practices such as washing or touching the body.” The warning appears to be falling on deaf ears, however.

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Last month, Red Cross workers in Guinea were attacked by family members while trying to bury Ebola dead safely. In Sierra Leone, moreover, a family took Ebola-ridden bodies secured in body bags from the Red Cross, opened them up and exposed all members of the family to Ebola. They all contracted the disease.

The UN warns that if the spread of Ebola can’t be contained within 60 days, it could turn into a global plague. The West African infection rate is expected to jump from 1,000 a week to 10,000 a week.

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Obama argues that suspending travel with these West African nations would do more harm than good.

But the practice of these religious customs is even more reason to do so. Even Saudi Arabia, the center of Islam, is now barring pilgrims from Liberia, Sierra Leone and Guinea from traveling to Mecca for fear of them bringing the virus into the kingdom.

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Specially trained Ebola burial teams in Sierra Leone are often rejected by the Muslim community who insists on burying the dead in the  traditional  Islamic way.

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By BareNakedIslam • Posted in Just the Facts

Saturday, October 18, 2014

Ebola discoverer: 'Without a vaccine I’m not sure we can stop Ebola’

Ebola discoverer: 'Without a vaccine I’m not sure we can stop Ebola’

Prof Peter Piot, the Belgian scientist who co-discovered the virus, never anticipated that it would cause such a humanitarian crisis

A member of the Liberian Red Cross 'burial' team  in Monrovia this month
A member of the Liberian Red Cross 'burial' team in Monrovia this month Photo: Marcus DiPaola/NurPhoto/Rex
THE EBOLA VIRUS – its very name seems to have come straight from the heart of darkness – is striking fear across the globe. It has killed (officially) 4,546 people out of 9,191 infected since the first case in West Africa in December 2013, but it now poses a risk to millions. Yesterday, David Cameron, the Prime Minister, described it as the “biggest health threat to the world in a generation”. A politician’s soundbite, or the stark reality?
The Belgian scientist who co‑discovered the virus is phlegmatic. Professor Peter Piot, now director of the London School of Hygiene and Tropical Medicine, says there is good news – and bad. Back in September 1976, he was a 27‑year-old researcher at a microbiology laboratory in Antwerp when he identified the new pathogen. He discovered it in vials of blood taken from a Flemish missionary nun in Zaire (now the Democratic Republic of Congo), who had died of a mysterious illness that was killing scores of people. Prof Piot flew out a few days later, part of a team who would track the virus to its source – fruit bats – in the rainforest.
Microbiologist Professor Peter Piot co-discovered the virus (REUTERS)
He saw the effects of the disease rampaging through a remote jungle community of Yambuku, and witnessed the agonising prelude to death, of fever, dehydration, vomiting, diarrhoea and haemorrhage. The worm-shaped virus, consisting of just seven genes, attacks the immune system and dissolves the body’s blood vessels. Most people who are infected die within a month.
Prof Piot knew then that he was dealing with something new and unusual, but he had not yet realised it was a virus that had the potential to kill millions.
“I could never, ever have imagined then that we would have a major epidemic from this virus,” Prof Piot, now 65, says. “In 38 years we had maybe 1,500 deaths – say 40 a year. That is not a public health crisis. I never thought it would come to the point that we see today.”
Despite its terrifying nature, Ebola – named after a small river near the village where the nun died – is actually a poor candidate for the “Apocalypse virus” beloved of Hollywood epics. And Prof Piot insists that it is still impossible to predict how bad the African epidemic will become.
He says that he likes to “put myself in the mind of the virus”. And if you are an Ebola virus then “we humans make a very, very bad host. You need to jump to another host in a week because your host is dead”.
Paradoxically, it is the very virulence of Ebola – it rapidly incapacitates its victims and kills between 50 and 70 per cent of them – that has meant all outbreaks predating this one have rapidly burnt themselves out. A virus wants its host to stay alive and mobile for as long as possible, so it can infect other people. With Ebola, once the symptoms start, you will not be going anywhere (one of the reasons that screening air passengers arriving in the UK may be pointless). Ebola is also hard to catch – it requires direct contact with bodily fluids, and you cannot infect others until you are symptomatic.
So what has changed? Earlier outbreaks occurred in remote areas of the Congo, a vast, sparsely populated nation with few roads. Such places are a form of natural quarantine, says Prof Piot, and after killing a few dozen people – most often doctors and nurses, who are most likely to be exposed to infection – these outbreaks subsided.
But the countries of Guinea, Liberia and Sierra Leone, where the current outbreak has taken root, are very different. More densely populated and urban, with better transport links, they have young, mobile populations who depend heavily on West Africa’s vast fleet of shared taxis to get around (a major transmission risk, not least when they were used to transport infected corpses for burial).
Even so, Prof Piot is convinced that the world could have brought the disease rapidly under control months ago if prompt action had been taken. The World Health Organisation reacted too late, he says, and by the time the seriousness of the outbreak was fully realised it was heading out of control. According to one estimate, it will cost around £1 billion a month to build and staff the treatment centres needed to isolate a notional 100,000 patients, quarantine their contacts and prevent the disease from spreading. So far, despite vague pledges, the international community has given nothing like enough.
“The problem with Ebola is that it is not over until the last patient is either dead or has recovered,” Prof Piot says. “Actually, I thought this outbreak was dying out in May, in Guinea. Then a famous woman, a traditional healer, died, and at her funeral hundreds of people touched the body. Then there was this explosion in three countries.”
The spread of Ebola is, of course, fuelled by the fact that the nations affected have no health systems to speak of (in 2010 there were only 51 doctors in the whole of Liberia) and that traditional funeral practices involve the touching and kissing of the deceased.
“Can it be stopped? It will be a bumpy ride. I am worried for West Africa. We will see a decline in cases eventually, but without a vaccine I am not sure we can stop it.”
Several companies are fast-tracking vaccines: two in particular, one being developed in Canada and one by GlaxoSmithKline in Britain, hold promise. But yesterday GSK said their vaccine would be “too late” for this outbreak and probably not available until late 2015.
Healthcare workers are likely to be the first recipients, as it is Ebola’s ability to strike the very people caring for victims that has contributed to the spread. “Ebola has literally destroyed the health services in these countries,” Prof Piot says. As a result, it is quite possible that more people have died as a result of the lack of treatment for other diseases, such as malaria, than of Ebola itself.
Prof Piot admits to being “very worried” about Africa, but remains optimistic that Ebola will not be a major problem in the West. “Even in Nigeria, when they had a small epidemic, it was quickly contained. The authorities acted promptly, including a non-negotiable quarantine. Also, in Congo, a recent outbreak was contained… and Congo is not the best-organised country in the world.”
However, he agrees that if the African outbreak continues to spread, it is inevitable that cases will occur elsewhere. “If it does get to the UK, I am convinced that we can contain it.” He is also dismissive of claims made by several scientists that the virus could become airborne, pointing to the Aids virus as an example: “Even though it has had millions of passages through humans, HIV is still transmitted in the same way it always was.”
He is more worried that Ebola will mutate into a less virulent strain (something that is more likely as it spreads through a larger population) – one that may only kill 30 per cent of those infected. “That may well lead to more secondary cases [because more infected people will be mobile for longer].”
There is no evidence that the virus is becoming more virulent and reports that the death rate have risen from 50 to 70 per cent are a result of insufficient data during the early days of the outbreak, Prof Piot insists. A strong public health message is being broadcast by local radio stations and there are signs that dangerous practices, such as open coffins at funerals, are on the wane.
There is some truth in the Prime Minister’s assertion yesterday. Ebola has killed thousands of Africans and will kill tens of thousands more, possibly millions, before it is brought under control. It has the potential to destroy the economies of some of the poorest nations on Earth (Sierra Leone’s nascent tourist industry is probably now dead) and spread to other continents where millions live in poverty.
But there is hope, too, says Prof Piot. “Change in behaviour has to come from within these communities, not from a bunch of white doctors telling people what to do.”
And we need to spend the money. A billion pounds a month sounds a lot, but it is eight times less than the world spends on video games. We can’t afford not to defeat Ebola.
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