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The ‘Banking while Black’ incident was highlighted when protesters brought attention to racism in the US
“I have a customer here – in fact he is not our customer. He tried to cash a check and the check was fake. It doesn’t match our records,” said a bank employee on the 911 call recording obtained by CNN.
For many African-Americans, what happened to McCowns in December 2018 is a common experience. Black’s temporary banking is another entry on the list of people who constantly call the police about African-Americans doing everyday things.
In the case of McCowns, while the bank staff was unable to contact the employer to verify the check, he followed the protocol and provided two forms of identification and fingerprints.
“That’s very embarrassing,” McCowns said at the time. “The person who made the phone call – the manager, the teller – whoever called, I felt as though they were judging.”
A branch manager uses racial slurs against him
Racial profiles in financial institutions occur frequently, but most people rarely report or file lawsuits because such cases are difficult to prove, lawyers say. Others simply make deposits or cash their checks and move on.
But with increasing protests against systemic racism since the murder of George Floyd, more blacks share their banking experience. Last month, Florida lawyer and businessman Benndrick Watson filed a lawsuit against Wells Fargo, accusing a bank manager of using racial slur when he tried to open an account.
Watson has a personal checking account at a bank, and was in a branch near Tampa to open a business account for his law firm in April last year. When the banker searched through company records, Watson told CNN, he found that he owned a record label business and began asking questions.
“Looks like they don’t believe I have a business,” he said.
Teller brought a branch manager who began checking Watson’s information on his computer. Then the manager suddenly called him N er er.
“My jaw really dropped – I was afraid, I said, ‘did he really say that?'” Watson said. “I sat down. He started talking. He began to frighten me. It’s hard to explain.”
The branch manager apologized, saying he had no intention and described it as “a mistake,” Watson said. He quickly gathered his belongings and rushed to his car.
“When you go to the bank, your guard comes down. You don’t expect to be called a racist word,” Watson said. “I’m a customer at this bank. I’ve been to this bank. Physically ill.”
Watson said he wanted to bring awareness to his case in the hope that it would help banks improve their relationship with small Black business owners.
Shortly after the incident, his lawyer Rodal reached the bank on behalf of his client. The regional manager wrote a letter to Watson apologizing and described the incident as unacceptable.
“Even though it seems that the offensive term was unintentional, we understand that it makes your clients uncomfortable, and for good reason,” the regional manager wrote in a letter given to CNN by Rodal. “Wells Fargo does not tolerate such language, in any situation, and we have taken corrective action against the former branch manager.”
In a statement to CNN, Wells Fargo said the branch manager resigned because the bank was preparing to fire him and was not eligible for re-employment.
“We are very sorry and deeply apologize to him for what must have been a terrible experience,” the statement said. “Wells Fargo does not tolerate discrimination in any form. We take all allegations of discrimination against our customers and employees very seriously and take action to overcome them.”
A cashier refused to deposit the check
Michigan resident Sauntore Thomas recently reached an agreement with the bank about a racial discrimination suit he filed this year after the teller refused to deposit his check.
A bank employee asked how he got the money, and called the police to report that he was trying to deposit a fake check, the lawsuit said. Four police officers came and questioned him.
“Something else is happening here,” said his lawyer, Deborah Gordon, at the time. “And I think there’s only one thing: Black’s temporary banking.”
Sauntore went to another bank, opened an account and deposited the check without problems. In a statement to CNN at the time, the bank apologized.
“Local police should not be involved. We condemn racism and discrimination in any form,” he said. “We are taking extra precautions that involve large deposits and requests for cash and in this case, we cannot validate checks.”
Following the suit, he had a meeting with TCF board chairman Gary Torgow.
“He felt comfortable with their guarantee that the incident that occurred was an unfavorable mistake and did not reflect the way the bank did business,” Gordon told CNN.
The law makes it difficult to seek compensation
Since the Floyd murder by a police officer in Minneapolis and demands for justice and corporate accountability, there have been increasing calls for banks to address racial profiles.
Racial discrimination has occurred in banks for years with limited legal assistance, legal experts say.
The Civil Rights Act of 1964 prohibits discrimination in businesses such as theaters, restaurants and hotels but the bank is not on the list, which makes it difficult for people profiled in financial institutions to win lawsuits in federal courts, according to Gordon, a civil rights lawyer.
“This action was written in the midst of the Civil Rights Movement when African-Americans faced the inability to sit at the lunch counter, stay in a motel or go to a movie,” Gordon said. “The 1964 law seeks to address only these violations which are very much in the public eye. That action needs to be changed but I doubt that it will happen.”
Some countries have passed steps to overcome gaps. In Michigan, the Civil Rights Act passed in 1976 covers most of everything, added Gordon.
Some banks promised to make efforts to ensure a friendly environment for minorities.
“As a Minneapolis-based company, we asked questions at the time about how we could help make changes to systemic injustices, socially and financially, which had contributed to what was a recurring tragedy,” said US Bank Diversity Chief Greg Cunningham.
He urged large companies and their leaders to develop meaningful relationships with Black’s businesses and actively condemn systemic racism.
Wells Fargo said it is committed to a series of changes including supporting Black’s business to ensure diversity and the company’s inclusion efforts lead to meaningful change.
“All managers will be asked to participate in a new direct and interactive program specifically designed to overcome the current challenges,” said Wells Fargo CEO Charlie Scharf last month. “This will go beyond current training standards that are inadequate for challenges.”
The bank has promised to use the incident to train employees and ensure better service.
“The most useful and valuable approach we can take with every interaction of our customers and employees is to learn from them and continue to ensure that our policies, processes and training support fairness and equality for every customer or noncustomer who interacts with us,” he said.
TCF has launched mandatory subconscious training for employees and is conducting a review of its policies and procedures to ensure equal treatment for all customers, said spokesman Randi Berris.
But when businesses pay attention to their policies after Floyd’s assassination, some bank leaders recognize more work needs to be done to build trust with minorities.
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Acrylic nails are a popular choice for those looking to add length, strength, and style to their natural nails. Whether you’re new to the world of acrylics or a seasoned nail enthusiast, there are always questions that arise about the application, maintenance, and overall care of these enhancements. This guide will answer all your acrylic nail questions to ensure your next manicure is a complete success.
What Are Acrylic Nails?
Acrylic nails are artificial nail enhancements made from a mixture of liquid monomer and powder polymer. When combined, they form a hard protective layer that can be molded into various shapes and lengths. Once hardened, they provide a durable and long-lasting canvas for nail polish, art, or simply a natural look. For more in-depth information, check out Acrylic Nail FAQs to get all the details you need before your next salon visit.
How Are Acrylic Nails Applied?
The application process of acrylic nails begins with the preparation of your natural nails. The nail technician will clean your nails, file them down, and apply a bonding agent to help the acrylic adhere. The acrylic mixture is then applied in thin layers, sculpted to the desired shape, and allowed to dry. Once set, the nails are filed, shaped, and buffed to a smooth finish.
Acrylic nails can be customized in terms of length and shape, making them a versatile choice for anyone looking to enhance their look.
How Long Do Acrylic Nails Last?
Typically, acrylic nails can last anywhere from two to three weeks before requiring a fill. During a fill, the nail technician will replace any grown-out acrylic and maintain the structure of the nails. With proper care, acrylic nails can be worn for extended periods, but it’s essential to give your natural nails a break occasionally to maintain nail health.
How Do You Care for Acrylic Nails?
Caring for acrylic nails is crucial to ensuring they last as long as possible and that your natural nails remain healthy underneath. Here are some essential tips:
- Avoid excessive water exposure: Prolonged exposure to water can weaken acrylic nails, making them prone to lifting or damage. When washing dishes or cleaning, consider wearing gloves to protect your nails.
- Moisturize cuticles regularly: The acrylic application process can sometimes dry out your cuticles. Regularly apply cuticle oil to keep your cuticles hydrated and prevent hangnails.
- Be gentle with your nails: Acrylics can be strong, but they’re not indestructible. Avoid using your nails as tools to open packages or scrape things, as this can lead to breakage.
- Schedule regular fills: As your natural nails grow, gaps will appear between the acrylic and your cuticles. Regular fills ensure your nails maintain a smooth, polished look and help prevent lifting.
How Do You Remove Acrylic Nails Safely?
Proper removal is crucial to avoid damaging your natural nails. It’s highly recommended to have acrylics removed by a professional at the salon. However, if you prefer to remove them at home, follow these steps:
- Soak in acetone: Start by soaking a cotton ball in acetone, then place it on each nail. Wrap your fingers in aluminum foil and allow the acetone to work for about 20 minutes.
- Gently scrape off the acrylic: After soaking, use a cuticle pusher or an orange stick to gently scrape off the softened acrylic. Be patient and avoid forcing the acrylic off, as this can damage your natural nails.
- Buff and moisturize: Once the acrylic is completely removed, buff your natural nails to smooth out any rough spots and apply cuticle oil to restore moisture.
Are Acrylic Nails Safe for Your Natural Nails?
When applied and removed properly, acrylic nails should not cause significant damage to your natural nails. However, improper removal or overuse without giving your nails time to breathe can lead to thinning, weakening, or breakage of your natural nails.
If you plan on wearing acrylic nails long-term, it’s a good idea to take breaks between applications and ensure you’re nourishing your nails with oils and treatments.
What Are the Best Acrylic Nail Shapes?
Choosing the right nail shape is essential for creating a look that complements your hands. Some of the most popular acrylic nail shapes include:
– Square: A straight-edged, classic look perfect for shorter nails.
– Oval: A soft, rounded shape that elongates the fingers.
– Coffin: Also known as ballerina shape, this trendy look features a tapered edge with a flat tip.
– Stiletto: A dramatic, pointy shape ideal for those who want a bold statement.
Each shape offers a unique aesthetic and can be tailored to suit your personal style.
Are There Any Alternatives to Acrylic Nails?
If you’re looking for a different type of nail enhancement, consider these alternatives:
– Gel nails: Gel nails offer a glossy finish and are cured under UV or LED light. They’re less rigid than acrylics and can feel more natural.
– Dip powder: This method involves dipping the nails into a colored powder and sealing them with a clear coat. It provides a similar look to acrylics but is generally less damaging to the natural nails.
Conclusion
Acrylic nails are a versatile and durable option for achieving customized, beautiful nails. By understanding the application process, knowing how to care for them, and safely removing them, you can enjoy long-lasting manicures that enhance your style. With the ability to choose from a variety of shapes and designs, acrylic nails offer endless possibilities for self-expression. Remember to take care of your natural nails in between applications to keep them healthy and strong. Whether you’re a first-time user or a seasoned pro, acrylic nails can be a fantastic way to express your personality and keep your nails looking flawless for weeks.
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When sanctions were imposed on Russia for its war against Ukraine, their objectives were twofold: to reduce Russian military capacity by limiting modern weapons and to lower Russian revenue streams. While in the beginning, the sanctions indeed weakened the Russian economy, they have fallen short of their initial objectives – mostly because Russia has found ways to circumvent many of them. The Kremlin has exploited international corruption, relied on foreign third parties, and utilized loopholes in trade restrictions. One such individual who allegedly provides services to Russian-linked companies is Jacqueline Troost Omvlee, a Geneva-based Dutch citizen.
Jacqueline Troost Omvlee is married to Niels Troost, an oil trader sanctioned by the United Kingdom. He and his company, Paramount Energy & Commodities SA, are among the 50 individuals and organizations blacklisted in response to the business connections with Russia. His wife, Jacqueline, helps to facilitate financial transactions for Niles Troost and Russian oligarchs including Gennady Timchenko, a Russian billionaire oil trader and Putin`s close associate.
Gennady Timchenko and his family have been sanctioned in many countries for backing the Kremlin’s war machine. However, with the help of Jacqueline Troost Omvlee, he seems to find ways to evade sanctions and continue his financial operations. In these illegal schemes, individuals like Jacqueline often serve as a front person for sanctioned oligarchs and their business assets. Russian-linked companies set up subsidiaries around the world, often registering new entities in offshore havens or countries where regulations are relatively lax or non-existent. To obfuscate the arrangements, the daughter companies spawn offspring in the form of subsidiaries, as the chain of concealment stretches on and on. The result is like a giant Matryoshka doll.
Jacqueline’s involvement in financial transactions that potentially support Timchenko’s interests raises significant concerns about the efficacy of Western sanctions. The fact that Jacqueline Troost Omvlee continues to operate without facing sanctions herself highlights a significant loophole in the enforcement mechanism. Various shady schemes and tactics designed to circumvent sanctions often hide the activity of individuals such as Jacqueline, making it difficult for authorities to detect and punish them for their involvement.
Jacqueline Troost Omvlee’s role in her husband’s financial dealings as well as her alleged ties to Russian business schemes, emphasizes the need for stronger international sanctions. Her actions not only aid in sanctions evasion but also diminish the overall effectiveness of the measures designed to isolate and pressure those supporting the Russian regime. Therefore, sanctioning Jacqueline Troost Omvlee is not only a matter of addressing her individual actions but also a necessary step to reinforce the credibility and effectiveness of the sanctions regime. By targeting individuals who play a key role in evading sanctions, authorities can send a strong message that efforts to undermine international sanctions will not go unpunished. This measure is crucial for maintaining the integrity of the sanctions system and ensuring that it achieves its intended goal of isolating and restraining those who support destabilizing activities.
European countries and the US need to expand their sanctions-tracking and investigative actions to improve the monitoring of sanctions compliance and to introduce new measures against systematic violators of law. The sanctioning states have the resources and capacity for this, and need to take action now.
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Ensuring a long and healthy life for your Hermann’s Tortoise requires a combination of proper care, nutrition, and habitat management. Hermann’s Tortoises, known for their charming personalities and distinctive shells, can live for several decades with the right conditions. Understanding their needs and providing a suitable environment is key to helping them thrive. Here’s how you can support your Hermann’s Tortoise in living a long, happy life.
Creating an Optimal Habitat
One of the most critical factors in promoting the longevity of your Hermann’s Tortoise is the creation of a suitable habitat. Providing an environment that mimics their natural surroundings is essential for their overall health. An appropriate habitat helps prevent stress and supports their well-being. For detailed guidance on setting up an ideal habitat, including specific requirements for outdoor enclosures, visit this comprehensive guide on Habitat for Hermann’s Tortoise.
- Outdoor Enclosure: Hermann’s Tortoises thrive in outdoor enclosures that provide ample space to roam, bask, and forage. An outdoor setup should include a secure, predator-proof area with access to natural sunlight. Incorporate areas for basking and shade to allow the tortoise to regulate its body temperature. Additionally, include plants, rocks, and hiding spots to simulate their natural habitat and encourage natural behaviors.
- Indoor Habitat: If an outdoor enclosure is not feasible, an indoor habitat can also support a long lifespan if set up correctly. Use a large, well-ventilated enclosure with appropriate heating and UVB lighting. Provide a substrate that allows for burrowing and offer various hiding spots and enrichment items.
Diet and Nutrition
A balanced diet is vital for maintaining the health and longevity of your Hermann’s Tortoise. They are primarily herbivores, and their diet should reflect their natural feeding habits.
- Leafy Greens: Offer a variety of leafy greens such as kale, collard greens, and dandelion greens. These vegetables provide essential vitamins and minerals that support overall health.
- Vegetables and Fruits: Supplement their diet with other vegetables like carrots, squash, and bell peppers. Fruits should be given in moderation due to their high sugar content.
- Calcium and Supplements: Provide a calcium supplement to support shell and bone health. A cuttlebone or powdered calcium can be added to their food. Ensure that they also have access to fresh, clean water at all times.
Regular Health Checks
Routine health checks are essential for early detection of potential health issues. Regular veterinary visits help ensure your tortoise remains in optimal condition and addresses any health concerns promptly.
- Observation: Monitor your tortoise’s behavior and physical condition regularly. Changes in appetite, weight, or activity level can indicate health problems.
- Preventative Care: Schedule annual check-ups with a veterinarian experienced in reptile care. Regular exams help catch any issues early and keep vaccinations and other preventative treatments up to date.
Environmental Enrichment
Providing environmental enrichment helps keep your Hermann’s Tortoise mentally stimulated and active. Enrichment can reduce stress and prevent boredom, contributing to a better quality of life.
- Foraging Opportunities: Hide food items around the enclosure to encourage natural foraging behavior. This not only provides mental stimulation but also mimics their natural hunting practices.
- Variety: Change the layout of their enclosure periodically and introduce new objects or plants to keep their environment interesting and engaging.
Conclusion
By focusing on creating the right habitat, providing a balanced diet, ensuring regular health checks, and offering environmental enrichment, you can significantly enhance the lifespan and well-being of your Hermann’s Tortoise. For further details on creating an ideal habitat, including tips for designing an outdoor enclosure, refer to this helpful guide on Habitat for Hermann’s Tortoise. Implementing these practices will help ensure that your tortoise enjoys a long, healthy life.
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