United Nations Declaration (Articles 1 - 30):

Article 1: All human beings are born free and equal in dignity and rights. They are endowed with reason and conscience and should act towards one another in a spirit of brotherhood.

Article 2: Everyone is entitled to all the rights and freedoms set forth in this Declaration, without distinction of any kind, such as race, colour, sex, language, religion, political or other opinion, national or social origin, property, birth or other status.

Incoming UN chief names three women to top posts

Incoming UN chief names three women to top posts
Nigerian Minister of the Environment Amina Mohammed, seen in 2015, will be the UN's number two official (AFP Photo/Mireya ACIERTO)
Sustainable Development
"A Summary" – Apr 2, 2011 (Kryon channelled by Lee Carroll) (Subjects: Religion, Shift of Human Consciousness, 2012, Intelligent/Benevolent Design, EU, South America, 5 Currencies, Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Middle East, Internet, Israel, Dictators, Palestine, US, Japan (Quake/Tsunami Disasters , People, Society ...), Nuclear Power Revealed, Hydro Power, Geothermal Power, Moon, Financial Institutes (Recession, Realign integrity values ..) , China, North Korea, Global Unity,..... etc.) -
"The Timing of the Great Shift" – Mar 21, 2009 (Kryon channelled by Lee Carroll) - (Text version)

“ … Here is another one. A change in what Human nature will allow for government. "Careful, Kryon, don't talk about politics. You'll get in trouble." I won't get in trouble. I'm going to tell you to watch for leadership that cares about you. "You mean politics is going to change?" It already has. It's beginning. Watch for it. You're going to see a total phase-out of old energy dictatorships eventually. The potential is that you're going to see that before 2013. They're going to fall over, you know, because the energy of the population will not sustain an old energy leader ..."
"Update on Current Events" – Jul 23, 2011 (Kryon channelled by Lee Carroll) - (Subjects: The Humanization of God, Gaia, Shift of Human Consciousness, 2012, Benevolent Design, Financial Institutes (Recession, System to Change ...), Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Nuclear Power Revealed, Geothermal Power, Hydro Power, Drinking Water from Seawater, No need for Oil as Much, Middle East in Peace, Persia/Iran Uprising, Muhammad, Israel, DNA, Two Dictators to fall soon, Africa, China, (Old) Souls, Species to go, Whales to Humans, Global Unity,..... etc.)
(Subjects: Who/What is Kryon ?, Egypt Uprising, Iran/Persia Uprising, Peace in Middle East without Israel actively involved, Muhammad, "Conceptual" Youth Revolution, "Conceptual" Managed Business, Internet, Social Media, News Media, Google, Bankers, Global Unity,..... etc.)


The Declaration of Human Freedom

Archangel Michael (Via Steve Beckow), Feb. 19, 2011

Every being is a divine and eternal soul living in a temporal body. Every being was alive before birth and will live after death.

Every soul enters into physical life for the purpose of experience and education, that it may, in the course of many lifetimes, learn its true identity as a fragment of the Divine.

Life itself is a constant process of spiritual evolution and unfoldment, based on free choice, that continues until such time as we realize our true nature and return to the Divine from which we came.

No soul enters life to serve another, except by choice, but to serve its own purpose and that of the Divine from which it came.

All life is governed by natural and universal laws which precede and outweigh the laws of humanity. These laws, such as the law of karma, the law of attraction, and the law of free will, are decreed by God to order existence and assist each person to achieve life’s purpose.

No government can or should survive that derives its existence from the enforced submission of its people or that denies its people their basic rights and freedoms.

Life is a movement from one existence to another, in varied venues throughout the universe and in other universes and dimensions of existence. We are not alone in the universe but share it with other civilizations, most of them peace-loving, many of whom are more advanced than we are, some of whom can be seen with our eyes and some of whom cannot.

The evidence of our five senses is not the final arbiter of existence. Humans are spiritual as well as physical entities and the spiritual side of life transcends the physical. God is a Spirit and the final touchstone of God’s Truth is not physical but spiritual. The Truth is to be found within.

God is one and, because of this, souls are one. They form a unity. They are meant to live in peace and harmony together in a “common unity” or community. The use of force to settle affairs runs contrary to natural law. Every person should have the right to conduct his or her own affairs without force, as long as his or her choices do not harm another.

No person shall be forced into marriage against his or her will. No woman shall be forced to bear or not bear children, against her will. No person shall be forced to hold or not hold views or worship in a manner contrary to his or her choice. Nothing vital to existence shall be withheld from another if it is within the community’s power to give.

Every person shall retain the ability to think, speak, and act as they choose, as long as they not harm another. Every person has the right to choose, study and practice the education and career of their choice without interference, provided they not harm another.

No one has the right to kill another. No one has the right to steal from another. No one has the right to force himself or herself upon another in any way.

Any government that harms its citizens, deprives them of their property or rights without their consent, or makes offensive war upon its neighbors, no matter how it misrepresents the situation, has lost its legitimacy. No government may govern without the consent of its people. All governments are tasked with seeing to the wellbeing of their citizens. Any government which forces its citizens to see to its own wellbeing without attending to theirs has lost its legitimacy.

Men and women are meant to live fulfilling lives, free of want, wherever they wish and under the conditions they desire, providing their choices do not harm another and are humanly attainable.

Children are meant to live lives under the beneficent protection of all, free of exploitation, with unhindered access to the necessities of life, education, and health care.

All forms of exploitation, oppression, and persecution run counter to universal and natural law. All disagreements are meant to be resolved amicably.

Any human law that runs counter to natural and universal law is invalid and should not survive. The enactment or enforcement of human law that runs counter to natural and universal law brings consequences that cannot be escaped, in this life or another. While one may escape temporal justice, one does not escape divine justice.

All outcomes are to the greater glory of God and to God do we look for the fulfillment of our needs and for love, peace, and wisdom. So let it be. Aum/Amen.



Pope Francis arrives for historic first US visit

Pope Francis arrives for historic first US visit
Pope Francis laughs alongside US President Barack Obama upon arrival at Andrews Air Force Base in Maryland, on September 22, 2015, on the start of a 3-day trip to Washington (AFP Photo/Saul Loeb)


Today's doodle in the U.S. celebrates Martin Luther King, Jr.'s "I have a dream" speech on its 50th anniversary (28 Aug 2013)

'Love is love': Obama lauds gay marriage activists in hailing 'a victory for America'

'Love is love': Obama lauds gay marriage activists in hailing 'a victory for America'
The White House released this image, of the building colored like the rainbow flag, on Facebook following the supreme court’s ruling. Photograph: Facebook

Same-sex marriage around the world

"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy, Recalibration Lectures, God / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) - (Text version)

… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …

Merkel says Turkey media crackdown 'highly alarming'

Merkel says Turkey media crackdown 'highly alarming'
Reporters Without Borders labels Erdogan as 'enemy of press freedom'

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Saturday, February 28, 2015

Biggest Global Banks Go to Pieces Under Pressure From Regulators

Jakarta Globe - Bloomberg, Michael J. Moore, Yalman Onaran & Nicholas Comfort, Feb 27, 2015

The logo of HSBC Private Bank in Geneva, Switzerland, 18 February 2015.
(EPA Photo/Martial Trezzini)

Global regulators have issued dozens of rules aimed at making the biggest banks safer. That’s leading to another result some wanted: making them shrink.

HSBC Holdings, Europe’s biggest bank by market value, said this week it’s considering “extreme solutions” for some of its units. Royal Bank of Scotland Group is reducing its US trading staff and getting out of two-thirds of the countries where it operates. JPMorgan Chase & Co. is closing branches, raising fees on some institutional deposits and looking for ways to shrink its trading businesses.

Increasingly strict capital rules over the past three years may be forcing the breakup of the financial supermarkets built in the decade before the financial crisis. Lenders, unable to use borrowed money to fund as much of their business as they once did, have cut profitability targets and are weighing more drastic actions to meet them.

“We’re beginning to see discussions that these capital charges are sufficiently large it’s causing those firms to think seriously about whether or not they should spin off some of their enterprises to reduce their systemic footprint,” Federal Reserve Chairman Janet Yellen told the House Financial Services Committee on Wednesday. “And frankly, that’s exactly what we want to see happen.”

Bank capitulation

Banks have been cutting assets since the financial crisis, selling smaller units and unwinding derivatives that carried high capital charges. The latest moves represent a capitulation in which many of the largest banks may be ending their ambitions of offering all services in all regions.

Regulators’ tools have included minimum capital ratios, stress tests and demands that more bank assets be the types that are easy to sell in a crisis. That combination, along with tepid economic growth and low trading levels, drove return on equity, a measure of profitability, to an average of 3.3 percent last year at 10 of the largest banks from 17 percent in 2006.

“Banks certainly anticipated the direction of travel on capital rules, but with hindsight not the severity, which is why combined with low economic growth we are seeing repeated changes to strategies to try to improve return on equity,” Jon Peace, an analyst at Nomura Holdings, wrote in an e-mail.

While RBS’s decisions were driven by seven straight annual losses, other banks may face pressure to downsize based on profits that aren’t high enough to meet investors’ demands. Bank of America and Citigroup, each with more than $1.8 trillion in assets, haven’t topped a 7 percent return on equity since the financial crisis.

‘Intense pressure’

Deutsche Bank is weighing job cuts, winding down business lines at its investment bank and selling assets, including consumer-lending unit Postbank in Germany, as part of a strategy review at the Frankfurt-based lender, a person with knowledge of the matter said last month.

“In 18 to 36 months, there will be a much more intense pressure on some number of banks to break up,” Lazard Vice Chairman Gary Parr said in an interview last month with Bloomberg TV. “It’s a Darwinian exercise, and what’s fascinating to me is how slowly it’s going.”

JPMorgan Chief Executive Officer Jamie Dimon, who runs the most profitable of the 10 banks, has taken the strongest stand against radical change. Dimon has defended his bank against analysts’ suggestions that it would be worth more broken up, saying the lender’s structure is what clients want and offers $18 billion in additional revenue and cost savings.

Black knight

A year ago, JPMorgan said it could earn a 15 percent return on tangible equity, which excludes items such as goodwill, even though it would have to maintain a 10 percent common-equity ratio. In December, the Fed proposed stricter capital rules for the biggest banks. JPMorgan said this week that it will cut more costs and earn 15 percent with a 12 percent common-equity ratio.

“Jamie Dimon is playing the role of the Black Knight in ‘Monty Python and the Holy Grail’: He’s saying it’s just a flesh wound,” said Mike Mayo, an analyst at CLSA, referring to the 1975 British film in which the knight loses his limbs. “If this is just a flesh wound and they can get a 15 percent ROE with all the additional regulatory impediments, then the call from investors to break up subsides.”

Still, JPMorgan acknowledged at its annual investor day this week that it’s trading at the biggest discount among the eight largest US banks relative to analysts’ estimates of future profitability. Glenn Schorr, an analyst at Evercore ISI in New York, asked if tinkering at the margins failed to grasp the message regulators are sending.

“Are we missing the forest for the trees?” Schorr asked JPMorgan Chief Financial Officer Marianne Lake. “You’re optimizing, but is the Fed going to look at that and say, ‘I don’t get it, how many ways do we need to tell you you need to shrink, both in size and complexity?’”

Onerous rules

It isn’t only the rules forcing banks to cut their reliance on borrowing that have limited profitability. So-called return on assets, which measures how much profit a bank can make for every dollar of assets it holds, has also fallen.

For 10 of the largest European and US banks, profit on each $100 of assets on the balance sheet fell to 22 cents last year from 81 cents in 2006.

With all the capital rules, banking is still highly leveraged compared with other industries. The risk arising from that model has led regulators to attempt to ensure that banks can be wound down in a crisis.

‘Safer system’

“They are saying we’ve got to go back to a much safer system and that means everyone needs to shrink,” said David Ellison, a Boston-based money manager at Hennessy Advisors, which oversaw $5.9 billion at year-end. “They are using Basel, the CCAR stress test, to say this is what we want you to do. They have effectively nationalized the banking system.”

At first, it looked as if the rules wouldn’t be that onerous. Capital requirements revised in 2010 after the crisis were watered down under pressure from some European governments. So were the harshest elements of the US Dodd-Frank Act the same year after intense industry lobbying.

The failure of more European banks and the emergence of scandals that revealed rate-rigging and tax-dodging by others changed the political climate, leading to increased desire for stiffer measures. Global regulators added capital surcharges for the largest institutions. US supervisors almost doubled those.

Winding down

There’s nothing in Dodd-Frank or the global capital rules that tells banks to break up, according to Thomas Hoenig, vice chairman of the US Federal Deposit Insurance. The law says they should be capable of being wound down in a crisis, which is pushing some firms to shrink, he said.

“We’re not going to break you up, but we want you to structure yourself so that your failure doesn’t bring the economy down next time,” Hoenig said. “If you can’t get to that point with your current organization structure, then you should sell assets to get to that state.”

That message is finally getting through.

“Everybody knew capital levels would have to rise, but the magnitude of what regulators plan now probably exceeds most people’s expectations,” said Carola Schuler, co-head of European bank ratings at Moody’s Investors Service. “These higher capital requirements could be interpreted as an acknowledgment that the too-big-to-fail containment framework that was in place isn’t working properly.”

Bloomberg
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Swiss account secret of HSBC chief Stuart Gulliver revealed


"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy,Recalibration LecturesGod / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) -(Text version)

“… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …”

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