Saturday, October 6, 2012

Insurance fraud impact greater than estimated

The cost of insurance fraud is greater than previously estimated and is expected to grow in the future, according to a recent survey by the Property Casualty Insurers Association of America and FICO, a provider of predictive analytics and decision management technology.

Forty-five percent of insurers estimated that insurance fraud costs represent 5-10 percent of their claims volume, while 32 percent said the ratio is as high as 20 percent. More than half (54 percent) of insurers expect to see an increase in the cost of fraud this year on personal insurance lines ? policies designed to protect individuals and families ? while less than three percent of insurers expect to see a decline in the cost of fraud on personal lines.

?The insurance fraud problem is estimated to exceed $40 billion globally and is showing no signs of abatement,? Russ Schreiber, who leads FICO?s insurance practice, said in a statement. ?The findings of the FICO PCI Insurance Survey demonstrate that insurers recognize the problem and are looking to improve ways to detect and prevent fraud earlier in the claims process.?

While it has commonly been estimated that insurance fraud accounts for up to 10 percent of property and casualty insurance industry losses, this new survey indicates that some in the industry believe that fraud could be much more prevalent. It also highlights areas such as application fraud where insurance companies see opportunities to improve ways to detect fraud and keep costs low for consumers.

Insurers responding to the survey said they expect the most significant increase in the cost of fraud will affect personal property, workers? compensation and auto insurance.? In terms of fraud by individual policyholders, 67 percent of insurers expect to see an increase in personal property fraud, 65 percent expect to see an increase in workers? compensation fraud, and 60 percent expect to see a rise in personal auto fraud. The majority of insurers (61 percent) attributed the increases in fraud to sustained economic hardship by policyholders.

While only 17 percent of insurers attributed the expected increase in fraud to a rise in the sophistication of criminal gangs, 60 percent expect a rise in workers compensation fraud rings, and 61 percent expect a rise in auto fraud rings. The survey also found that 76 percent of insurers believe there is increased risk of fraud in no-fault states compared to states with tort systems; 45 percent see the risk as significantly higher, while 31 percent see it as somewhat higher.

Insurers have placed emphasis in recent years on implementing meaningful reforms to no-fault insurance systems in several large states due to spiraling medical costs (40 percent more than in states with tort systems) and rampant fraud. Much of this fraud is attributable to sophisticated fraud rings such as the $279 million no-fault insurance scam involving more than 30 individuals that was brought down in New York City this year.

?It is clear insurers understand the scope of the insurance fraud problem, and are taking steps to reduce it,? Robert Passmore, senior director of personal lines policy at PCI, said in a statement. ?However, we also want that the public and policymakers to recognize that consumers are paying what amounts to a ?fraud tax? that is far too expensive for hard-working citizens.?

When insurers were asked about fraud-fighting initiatives that can have the greatest impact on insurance fraud, predictive analytics was identified as the most effective by 45 percent of respondents. Insurers also included the use of anti-fraud teams for specific books of business (37 percent), link analysis for detecting fraud (31 percent), business rules for stopping known fraud types (29 percent), and external databases (29 percent) as other useful fraud-fighting approaches.

?Early detection is the key to mitigating fraud losses for insurers,? Schreiber said. ?Solutions like the FICO Insurance Fraud Manager not only help detect outright fraud, but also combat abuse and waste, the gray area of insurance claims.?

The Insurance Fraud Survey included responses from 143 insurers throughout the U.S., who were surveyed in August 2012.

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Source: http://www.consumerinsuranceguide.com/identity-theft/insurance-fraud-impact-greater-than-estimated/

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Friday, October 5, 2012

Solution Architect & Business Analyst (ALBE) - Telecommuncation at ...

Job description
Would you like the opportunity to join the IBM organization? Then this is your chance!

IBM is the world leader in IT Services and business consultancy. Our vision is to bring a new level of ?smart? to how the world works. A place where people, businesses, governments, objects and systems all work, talk, listen and understand each other. A place where billions of people will live and work better.

IBM is the world's largest consulting services organization. IBM provides clients with business transformation and industry expertise, and the ability to translate that expertise into integrated, responsive, innovative business solutions. IBM provides consulting services across multiple industries and covers the whole process chain from strategy consulting through to the construction, implementation and operation of technical and commercial solutions.

The resource has to work with one of the big Telecommunication Company , 3rd parties and other IBM colleagues on the Inside-Out Programme.
This project has the aim of transforming the TelCo Company Italy Billing, CRM and Legacy systems into an Out-of-the Box solution.

For the Abstraction Layer Area, the resource will have the following responsibilities:

  • Analyze as-is customer architecture
  • Provide high-level design and Technical guidance for the entire phases of the project
  • Provide broad design expertise for application, integration and technology solutions
  • Apply best practices design processes
  • Gather requirements from various stakeholders
  • Analyze requirements and design solutions
  • Prepare Technical design options in collaboration with other architects
  • Identify application, data and infrastructure components required or impacted to implement technical solutions
  • Write documentation and provide design solutions and alternatives
  • Prepare estimates of effort and cost in collaboration with technology specialists for execution tasks
  • Provide leadership, technical guidance, and mentoring to others in areas of acquired expertise

Additional Requirements :

  • Strong understanding of ETL, data transformation and data enrichment main concepts.
  • Functional knowledge on other integration technologies like EAI, BPM.
  • Functional knowledge of coding languages like Java, J2EE.
  • BPEL/XML experience in defining and implementing business processes in a JEE environment
  • Functional knowledge of protocols as XML, CORBA, RPC, DCOM, EJB, HTTP, POJO.
  • Ability to work in a highly collaborative environment, with technical and non technical resources
  • Ability to work effectively as a team member, across project teams, and independently
  • Ability to own and drive tasks to successful completion
  • Ability to Apply analytical and problem-solving skills to complex design problems
  • Ability to Prepare and deliver presentations or reports to executive leadership
  • Strong writing and communication skills

Required

  • Bachelor's Degree
  • At least 6 years experience in IT environment
  • At least 4 years experience in Telecommunication Company Environment
  • At least 2 years experience in Solution Architect Job
  • At least 2 years experience in Business Analyst job
  • At least 2 years experience in Solution design in Telco domain
  • At least 2 years experience in Cross-domain and cross-business activities
  • At least 2 years experience in Writing Architectural / Functional specifications
  • At least 2 years experience in Enterprise Integration Architecture platform using integration technologies and methodologies such as Enterprise Service Bus (ESB) and Service Oriented Architecture (SOA)
  • At least 2 years experience in Defining and implementing SOA standards leveraging custom and 3rd party solutions, especially Bea/Oracle Weblogic, Oracle Service (OSB), Web Methods, Oracle Enterprise Repository
  • English: Fluent
  • Italian: Fluent??? ?

Preferred

  • Engineering
  • At least 2 years experience in IT road map design and implementation

IBM is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.
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To apply, please use the following reference: MM2057/EurActiv and click here.

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Source: http://jobs.euractiv.com/node/83886

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9 Easily Preventable Mistakes Writers Make with Dialogue | The ...

Dialogue has been my own writing nemesis and I continue to find it a challenge, although each day of writing seems to improve it slightly!

dialogue Today, author and blogger Ali Luke helps us with some basic dialogue mistakes and how to fix them.

Whether you love writing dialogue or dread it, you?ll probably agree it?s an essential part of fiction. Unless you?re writing an experimental short story, you?re going to need to include some dialogue ? and it needs to be done just as well as the rest of your writing.

Dialogue has many roles in your story. It can:

  • Reveal character
  • Advance the plot
  • Make characters seem real
  • Give a sense of action unfolding

Dialogue is also easy and fast to read.

It breaks up the page, adding white space and making your story look more attractive. (If you?ve ever seen someone flicking through a novel in a bookstore, there?s a good chance they were looking to see how much narrative vs dialogue that novel contained.)

Unfortunately, dialogue is also easy to get wrong. Whether you?re a new writer or an established one, you?ll want to watch out for these mistakes.

(You can also look out for them in published books, too ? plenty of pros still aren?t getting these right. If you come across a great what-not-to-do example, share it with us in the comments.)

Mistake #1: Being Too Formal

Even if you?re a stickler for the finer points of grammar in your prose, real people don?t talk like textbooks. They say things like:

  • Me and him went to the shops.
  • I dunno.
  • If I was you?

Yes, we know that those should technically be:

  • He and I went to the shops.
  • I don?t know.
  • If I were you?

?but most of your characters won?t always talk ?correctly.?

There might well be circumstances where you want a character to speak in a precise, correct way ? but that gives the reader some very clear signals about this character (perhaps they?re posh, trying very hard to get things right, or a little uptight).

On a similar point, characters shouldn?t speak in long, complicated sentences ? or give long speeches. If you?re struggling to ?hear? real dialogue as you write, try recording a conversation and listening to how people really talk.

However?

Mistake #2: Being Too Realistic

Some authors, shying away from formality, go too far into making their dialogue real. They pepper every character?s sentences with ?ums? and ?ers? and hesitations. They have so many interruptions that it?s hard to figure out what?s going on.

This might be a perfect transcript of how real people talk all the time ? but it will make your character sound incredibly indecisive and uncertain to your readers:

?Um, I don?t really know if ? actually, yes ? er, let?s go to the, the park.?

There will be occasions where you want a character to hesitate or fumble their words ? but again, keep in mind the signals that this sends the reader. Is your character very nervous, or perhaps lying?

#3: Using Obtrusive Dialogue Tags

A dialogue tag is the little phrase that tells the reader who?s speaking, like this:

He said

She asked

I answered

Some writers worry that using ?he said? and ?she said? all the time will get boring, so they start varying their dialogue tags:

He opined

She screamed

I exclaimed

In general, the simple tags are best ? readers barely notice them, except to register who?s speaking. Stick with said, asked, answered and perhaps an occasional whispered, muttered or shouted.

If you do feel you?re overusing dialogue tags, an easy trick is to add a line of action to your dialogue, like this:

Sarah came running down the stairs. ?I can?t find it anywhere!?

#4: Using Phonetic Spellings

If you have a character with a strong accent, you might be tempted to indicate this in every line of dialogue they speak.

Tread very lightly here. If you?re peppering your character?s speech with apostrophes and creative spellings, it?s going to make the reader?s life hard. It can also give the inadvertent and unfortunate impression that you?re looking down on or even mocking that character?s region, class background, or race.

Instead of writing words out phonetically, try using occasional dialect words, or unusual word order, to indicate a character?s speech patterns.

#5: Using Character?s Names Too Often

In real life, we don?t tend to use other people?s names all that much when we?re talking to them ? even if there are three or four people involved in the same conversation. We might say ?Hi, Sue? when they arrive, or ?It was great to meet you, John? when they leave ? but we don?t use their name every time we address a remark or question towards them.

In fiction, though, you?ll sometimes find characters talking like this:

Hi, Amy. Is there much happening today?

Not much, John. Did you get those figures I needed?

Sorry, Amy, I forgot.

The conversation starts to sound odd and artificial ? or even slightly patronizing towards one or both characters.

This problem sometimes arises when authors are trying to avoid using too many dialogue tags. In general, it?s much less intrusive to add in an extra dialogue tag than to constantly have characters addressing one another by name.

#6: Not Including Any Narrative

In #3, I mentioned that one way to avoid overdoing dialogue tags is to include action. You can also do this with a character?s thoughts, like this:

Julie couldn?t stand Mark, but she managed to fake a smile. ?Hi. It?s lovely to see you again.?

Or with description, like this:

The pub was dimly lit, but now they were sitting down, Lucy could see the stains on the walls, and the deep scratches in the furniture. She cast around for something to say. ?Do you come here often??

Some writers, though, seem to get into ?dialogue? mode and have line after line of dialogue, with no more support than a few dialogue tags. By blending in action and the viewpoint character?s thoughts ? not necessarily every line, but at least occasionally ? you can enhance the dialogue by adding new levels of meaning.

#7: Having Every Character Sound the Same

We all have different ways of speaking ? but sometimes in fiction, authors make all their characters sound exactly alike. This might work if the story is set in a homogenous group ? but it sounds silly if some of the characters are teens and others are grandparents.

For each character, you could think about:

  • Any habitual phrases they use. You won?t want to overdo these, but they can be a useful way to cue the reader in that a particular character is speaking.
  • What words they don?t use. Perhaps they never swear, preferring ?Oh sugar!? or ?Fiddlesticks!? Maybe they tend to avoid long or complicated words.
  • How eloquent they are ? or how taciturn they are. Some characters have a way with words; others don?t say much, or say it awkwardly when they do.
  • How polite they are ? or not! Do they make requests pleasantly, or do they order other characters around?

#8: Using Indirect Speech Poorly

Not all conversations in your story need to be spelled out in full. Sometimes, you?ll want to give the reader a quick summary ? and you can do that with indirect speech. It looks like this:

Tom and Jonathan chatted for a while about the football game they?d seen last night. Beth, bored, went to get another drink.

This is a great way to let the reader know that a conversation is happening, without having to go into any detail.

One mistake here, of course, is to never use indirect dialogue at all, giving a blow-by-blow account of the football game that leaves the reader as bored as Beth. Some writers worry that ?show, don?t tell? means they should avoid indirect dialogue ? but that?s not the case.

Another problem, though, is when important conversations get summarized in this way:

George had a massive row with his mum, about that letter she?d had from school, and she told him that he was banned from using the X-Box until he?d got his homework done. He told her he hated her, and stormed off upstairs.

In this case, the words exchanged matter ? the reader will want to judge whether George is being a horrible child or whether his mother has overreacted, for instance. It?s also a lot more dramatic to hear the words spoken, rather than just read a summary.

#9: Spelling Everything Out in the Narrative

Some writers worry that the reader won?t quite ?get? the dialogue, and decide to spell things out, like this:

?I hate you!? George slammed the door and ran upstairs. He was furious with his mum ? he felt that she was being unfair.

We don?t need the last sentence here: it?s obvious from what George says (?I hate you!?) and what he does (?George slammed the door and ran upstairs?) than he?s furious, and we can make a fair guess that he thinks his mum is being unfair.

When you spell out what?s happening like this, it?s irritating to the reader: they?re perfectly capable of understanding subtext, and picking up on small cues, to figure out the thoughts and emotions behind what a character says.

Of course, there will be some occasions where you do need to explain what a character is thinking ? but this should be the exception, rather than the rule.

Are any of these nine mistakes ones that you know you?re probably making in your own writing?

(I suspect I?ve managed all nine at some point!) Do you have a tenth mistake to suggest? Let us know your thoughts in the comments.

Ali LukeBio: Ali Luke is the author of Lycopolis, a novel, and Publishing E-Books For Dummies. As well as blogging about writing all around the web, she runs Writers? Huddle, a community / teaching site for writers. The Huddle is packed with useful resources (with new ones added each month) and is suitable for complete beginners as well as advanced writers. The doors are only open for new members until 12th October, so if you?d like to take your writing to the next level, alongside other like-minded writers, check out the full details today.

Top image: people talking from BigStock

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Source: http://www.thecreativepenn.com/2012/10/04/dialogue-mistakes/

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Thursday, October 4, 2012

Sea urchin's spiny strength revealed

Thursday, October 4, 2012

For the first time, a team of Australian engineers has modelled the microscopic mechanics of a sea urchin's spine, gaining insight into how these unusual creatures withstand impacts in their aquatic environment.

The skeleton of the purple-spined sea urchin (Centrostephanus rodgersii), found in tidal waters along the coast of New South Wales, has many long spines extending from its core. These spiky features are used for walking, sensing their environment, and for protection against predators and rough surf.

The long hollow spines are made from a single crystal of calcite ? which is essentially glass ? arranged in a porous, intricate structure. Material scientists are interested in the chemical composition of these spines, but there has been little to no exploration of how they respond to mechanical stress.

In this latest study, published in the open-access journal PLOS ONE, researchers from the University of New South Wales (Sydney) and the Australian National University explain how this unique and intricate structure enables an advantageous blend of elasticity and brittleness, which allows the spine to better absorb impacts and stress under some conditions, and snap off under others.

In addition to offering new insight into this curious marine species, researchers say the finding could offer clues for creating new bio-inspired materials and more efficient engineering designs, which often strive to improve strength-to-weight efficiency.

The strength of the sea urchin's spine is particularly interesting given the brittleness of its constituent materials, says lead author Dr Naomi Tsafnat from the School of Mechanical and Manufacturing Engineering at UNSW.

"While we're not certain that this evolutionary feature is optimised, it certainly works ? the longevity of this creature, having survived hundreds of millions of years, is a testament to that," she says. "The spine is both strong and lightweight, and has mechanical characteristics that suit the sea urchin's needs."

"It can withstand some types of loads, like compression, which allows the sea urchin to manoeuver and walk around, but snaps easily when the urchin needs to protect itself from predators."

Using a process known as microtomography, the researchers created a high-resolution 3D microscopic image of a segment of spine, which allowed them to identify unique features in its architecture. These included protruding wedges and barbs, linked together by tiny bridging structures that spiral around the spine's axis.

Theteam used this 3D image to create a computer model of the spine segment, and then simulated various mechanical load scenarios. They observed that different types of stress concentrate at different points within the architecture. This contributes greatly to its strength and unusual elasticity under certain strains.

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Article: http://www.plosone.org/article/info%3Adoi%2F10.1371%2Fjournal.pone.0044140

University of New South Wales: http://www.unsw.edu.au

Thanks to University of New South Wales for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 19 time(s).

Source: http://www.labspaces.net/124130/Sea_urchin_s_spiny_strength_revealed

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Wednesday, October 3, 2012

ICS and Jellybean now on a quarter of all Android devices, but over half still stuck on Gingerbread

DNP Android Stats

It seems like only yesterday that Google bundled Ice Cream Sandwich 4.0 in its little biscuit layers and sent it off into the world (it was December, 2011, actually). That Android flavor has since climbed the charts rapidly, around four percent each month for the last while, and now occupies the ROM on 23.7 percent of robot-based devices -- up from 20.8 percent last month. That's in part due to new devices (like many in China) still coming out of the box with it, on top of older warhorses like the Samsung Galaxy Tab 8.9 finally grabbing some ICS. Meanwhile, its smooth-running younger sibling, Jelly Bean, made a slight gain to 1.8 percent of all Google-run slates and phones -- though that will likely change when the Galaxy Note II hits the market en masse and the Galaxy S III OTA 4.1.1 disseminates to all its owners. Meanwhile, Gingerbread still dominates Google OS installed devices at 55.8 percent, probably thanks to delays or denials of newer flavors to legacy devices.

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ICS and Jellybean now on a quarter of all Android devices, but over half still stuck on Gingerbread originally appeared on Engadget on Tue, 02 Oct 2012 03:02:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/10/02/ics-jellybean-on-a-quarter-of-all-android-devices/

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Tuesday, October 2, 2012

Romney presses foreign policy criticism anew; arrives in Colorado

DENVER - Republican presidential candidate Mitt Romney has arrived in Colorado for his first debate with President Barack Obama which he is counting on to set him on a path to winning the presidency at a time when polls show him trailing the incumbent.

Romney spent more than eight days in September holding mock debates, poring over policy briefing books and sparring with Ohio Sen. Rob Portman, who stood in for Obama. Romney planned another day of preparation Tuesday at his hotel on the outskirts of Denver, where most of his top advisers and at least a dozen more junior aides milled about in the lobby Monday night.

The had just come from a Romney rally, held with thousands of supporters packing a hangar at the Wings Over the Rockies Air and Space Museum, where Romney tried to enunciate a clearer message than the varying pitches he's made to voters in recent weeks.

Though his campaign once talked about nothing but the economy, all the time, he's recently diverged into subjects including wealth distribution, Medicare health insurance for the elderly and foreign policy as he has looked to seize any opportunity to gain ground on the incumbent president.

Romney also brought up immigration in an interview published Tuesday by the Denver Post, saying he would honour temporary work permits for young illegal immigrants who were allowed to stay in the U.S. because of an executive order signed this summer by Obama.

Obama retreated to a desert resort in Nevada for three days of intensive debate preparation for Wednesday night. He was joined by a cadre of top advisers, who are focused on helping Obama trim his often-lengthy explanations to fit the debate format. Equally important is coaching Obama to look calm and presidential during an expected onslaught of criticism from Romney.

This year's first debate will deal with domestic policies. But in the run up to the debate, Romney was trying to prove his own readiness to be commander in chief and force Obama to answer for turmoil in places like Libya, where terrorists killed the U.S. ambassador on the anniversary of the Sept. 11 attacks.

"For the last four years we've had a foreign policy led by a president who believes that the strength of his personality is going to get people to do the right things. Well, we've seen fires burning in U.S. embassies around the world," Romney told voters in Colorado on Monday night, echoing a column he published in the Wall Street Journal earlier in the day.

Romney advisers argue that the stepped-up foreign policy criticism dovetails with a key piece of his central argument: Obama is in over his head, and the country will be worse off if he gets a second term.

Foreign policy is the latest in a series of political openings that Romney has tried to exploit in recent weeks, as he has fallen behind the president in polls both in key battleground state. National surveys show the president ahead in a tight contest. In recent weeks, Romney also has castigated Obama on the coal industry, defence cuts, wealth redistribution and the president's comment that it's not possible to change Washington from the inside.

Romney's intense focus on foreign policy is intended to undercut what the Obama campaign has seen as the president's ironclad international affairs credentials ? and send a message to voters that they can trust the Republican on foreign policy despite limited experience. To that end, Romney's advisers said he's planning a major foreign policy speech, to be delivered some time after Wednesday's debate.

Yet, there's a disconnect between what Romney and his team are talking about nationally and what he is running on in the states, where his TV advertising is largely focused on the economy and jobs ? voters' No. 1 issue ? ahead of Wednesday's presidential debate. All that's leaving Romney open to criticism that his campaign is searching for a winning pitch just one month before the election and with voting under way in many states.

Romney running mate Paul Ryan piled on, telling radio host Laura Ingraham that Obama's administration hasn't given the public the full story on the circumstances that led to the death of U.S. Ambassador Chris Stevens in Benghazi.

"It's really indicative of a broader failure of this administration's foreign policy and the crisis that is taking place across the Middle East," Ryan said. "It is clear the administration's policy unravelled."

The Obama campaign reacted dismissively, noting that Osama bin Laden is dead and arguing that the Obama administration has taken a hard line on Iran to dissuade it from creating a nuclear weapon. The Obama campaign called Romney's foreign policy stances "incoherent."

"There is no op-ed or no speech which we've heard he may or may not give at some point that is going to change the view of the American people that he has been reckless, erratic and irresponsible on foreign policy issues every time he has had an opportunity to speak to them," campaign spokeswoman Jen Psaki told reporters in Henderson, Nevada, where Obama is preparing for the debate.

White House press secretary Jay Carney said Romney's op-ed "contains no specifics or an alternative," adding that most of the positions Romney was advocating "are no different from what the president is actually doing."

One possible exception is Iran, Carney said, where Romney appears to oppose U.S. policy of economic sanctions and diplomatic isolation.

"The alternative is war," Carney said. "As the president has said, if Gov. Romney and other critics are advocating that position (war against Iran), they ought to say so clearly."

Aside from the opinion piece, however, Romney's campaign hasn't put serious money behind the foreign policy line of criticism in its campaign ads in key states.

Romney's campaign had spent much of the year focusing its argument against Obama's handling of the economy.

Then came Sept. 11, and as unrest flared in the Middle East, Romney issued a late-night statement assailing Obama before it was clear that Stevens and three other Americans had been killed in the terrorist attack on the consulate in Benghazi, Libya. The timing of Romney's initial response prompted heartburn within the Republican party. Yet, Romney pressed ahead with his criticism that Obama was a weak leader whose posture abroad was hurting U.S. interests, and congressional Republicans have piled on about the administration's changing statements on the Libya attack.

Romney campaign aides said internal polls showed the criticism of Obama's foreign policy resonating with voters in the days after Stevens' death. But any traction Romney was getting on that front was stunted when a video surfaced of Romney telling donors that 47 per cent of Americans believe they are victims entitled to government assistance. Obama has highlighted that comment repeatedly in TV ads and at campaign rallies, building on his post-convention momentum.

Source: http://news.yahoo.com/romney-presses-foreign-policy-criticism-anew-arrives-colorado-080659474.html

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