segunda-feira, 9 de novembro de 2015

Os olhos e os ouvidos são maus testemunhos quando a alma não presta.

The White House, Washington
When we have a level playing field, Americans out-compete anyone in the world. That’s a fundamental truth about our country.
But right now, the rules of global trade put our workers, our businesses, and our values at a disadvantage.
If you’re an autoworker in Michigan, the cars you build face taxes as high as 70 percent in Vietnam. If you’re a worker in Oregon, you’re forced to compete against workers in other countries that set lower standards and pay lower wages just to cut their costs. If you’re a small business owner in Ohio, you might face customs rules that are confusing, costly, and an unnecessary barrier to selling abroad.
The TPP is the highest standard trade agreement in history. It eliminates 18,000 taxes that various countries put on American goods. That will boost Made-in-America exports abroad while supporting higher-paying jobs right here at home. And that’s going to help our economy grow.
I know that past trade agreements haven’t always lived up to the hype. So I want to tell you a little bit about what makes this trade agreement so different, and so important.
The TPP includes the strongest labor standards in history, from requiring a minimum wage and worker safety regulations to prohibiting child labor and forced labor. It also includes the strongest environmental commitments in history, requiring countries in one of the most biologically diverse areas on Earth to crack down on illegal wildlife trafficking, illegal logging, and illegal fishing. These standards are at the core of the agreement and are fully enforceable -- which means we can bring trade sanctions against countries that don’t step up their game.
And for the first time ever, we’ll have a multilateral trade agreement that reflects the reality of the digital economy by promoting a free and open Internet and by preventing unfair laws that restrict the free flow of data and information.
In other words, the TPP means that America will write the rules of the road in the 21st century. When it comes to Asia, one of the world’s fastest-growing regions, the rulebook is up for grabs. And if we don’t pass this agreement -- if America doesn’t write those rules -- then countries like China will. And that would only threaten American jobs and workers and undermine American leadership around the world.
That’s why I am posting the text of this agreement here for you to read and explore.
There’s a lot in here, so we’ve put together summaries of each chapter to help you navigate what’s in the agreement and what these new standards will mean for you.
I know that if you take a look at what’s actually in the TPP, you will see that this is, in fact, a new type of trade deal that puts American workers first.
Take a look. Then make up your mind.
-- President Barack Obama

Hunton & Williams LLP Client Alert
The Trans-Pacific Partnership (“TPP”) is a free-trade agreement among Australia, Brunei, Canada, Chile, Japan, Malaysia, Mexico, New Zealand, Peru, Singapore, Vietnam and the United States (the “TPP Members”). While, as reported, an agreement on the TPP was reached on October 5, 2015, each of the TPP Members must still enact the TPP. On November 5, 2015, the full text of the TPP trade agreement was released to the public for the first time.

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You should read the President's full Keystone XL remarks:
This morning, speaking from the Roosevelt Room, the President announced that the State Department determined that the Keystone XL Pipeline would not serve the national interest of the United States.
For years, this topic has occupied a huge portion of our country's climate discourse. And after explaining why this pipeline "would not serve the national interest of the United States," the President called attention to the broader climate challenges facing America and the global community heading into international climate negotiations in Paris this December:

"…we’ve got to come together around an ambitious framework to protect the one planet that we’ve got while we still can. If we want to prevent the worst effects of climate change before it’s too late, the time to act is now. Not later. Not someday. Right here, right now."
Here's the full text of his remarks -- they're worth a read.
THE PRESIDENT: Good morning, everybody. Several years ago, the State Department began a review process for the proposed construction of a pipeline that would carry Canadian crude oil through our heartland to ports in the Gulf of Mexico and out into the world market.
This morning, Secretary Kerry informed me that, after extensive public outreach and consultation with other Cabinet agencies, the State Department has decided that the Keystone XL Pipeline would not serve the national interest of the United States. I agree with that decision.
This morning, I also had the opportunity to speak with Prime Minister Trudeau of Canada. And while he expressed his disappointment, given Canada’s position on this issue, we both agreed that our close friendship on a whole range of issues, including energy and climate change, should provide the basis for even closer coordination between our countries going forward. And in the coming weeks, senior members of my team will be engaging with theirs in order to help deepen that cooperation.
Now, for years, the Keystone Pipeline has occupied what I, frankly, consider an overinflated role in our political discourse. It became a symbol too often used as a campaign cudgel by both parties rather than a serious policy matter. And all of this obscured the fact that this pipeline would neither be a silver bullet for the economy, as was promised by some, nor the express lane to climate disaster proclaimed by others.
To illustrate this, let me briefly comment on some of the reasons why the State Department rejected this pipeline.
First: The pipeline would not make a meaningful long-term contribution to our economy. So if Congress is serious about wanting to create jobs, this was not the way to do it. If they want to do it, what we should be doing is passing a bipartisan infrastructure plan that, in the short term, could create more than 30 times as many jobs per year as the pipeline would, and in the long run would benefit our economy and our workers for decades to come.
Our businesses created 268,000 new jobs last month. They’ve created 13.5 million new jobs over the past 68 straight months -- the longest streak on record. The unemployment rate fell to 5 percent. This Congress should pass a serious infrastructure plan, and keep those jobs coming. That would make a difference. The pipeline would not have made a serious impact on those numbers and on the American people’s prospects for the future.
Second: The pipeline would not lower gas prices for American consumers. In fact, gas prices have already been falling -- steadily. The national average gas price is down about 77 cents over a year ago. It’s down a dollar over two years ago. It’s down $1.27 over three years ago. Today, in 41 states, drivers can find at least one gas station selling gas for less than two bucks a gallon. So while our politics have been consumed by a debate over whether or not this pipeline would create jobs and lower gas prices, we’ve gone ahead and created jobs and lowered gas prices.
Third: Shipping dirtier crude oil into our country would not increase America’s energy security. What has increased America’s energy security is our strategy over the past several years to reduce our reliance on dirty fossil fuels from unstable parts of the world. Three years ago, I set a goal to cut our oil imports in half by 2020. Between producing more oil here at home, and using less oil throughout our economy, we met that goal last year -- five years early. In fact, for the first time in two decades, the United States of America now produces more oil than we buy from other countries.
Now, the truth is, the United States will continue to rely on oil and gas as we transition -- as we must transition -- to a clean energy economy. That transition will take some time. But it’s also going more quickly than many anticipated. Think about it. Since I took office, we’ve doubled the distance our cars will go on a gallon of gas by 2025; tripled the power we generate from the wind; multiplied the power we generate from the sun 20 times over. Our biggest and most successful businesses are going all-in on clean energy. And thanks in part to the investments we’ve made, there are already parts of America where clean power from the wind or the sun is finally cheaper than dirtier, conventional power.
The point is the old rules said we couldn’t promote economic growth and protect our environment at the same time. The old rules said we couldn’t transition to clean energy without squeezing businesses and consumers. But this is America, and we have come up with new ways and new technologies to break down the old rules, so that today, homegrown American energy is booming, energy prices are falling, and over the past decade, even as our economy has continued to grow, America has cut our total carbon pollution more than any other country on Earth.
Today, the United States of America is leading on climate change with our investments in clean energy and energy efficiency. America is leading on climate change with new rules on power plants that will protect our air so that our kids can breathe. America is leading on climate change by working with other big emitters like China to encourage and announce new commitments to reduce harmful greenhouse gas emissions. In part because of that American leadership, more than 150 nations representing nearly 90 percent of global emissions have put forward plans to cut pollution.
America is now a global leader when it comes to taking serious action to fight climate change. And frankly, approving this project would have undercut that global leadership. And that’s the biggest risk we face -- not acting.
Today, we’re continuing to lead by example. Because ultimately, if we’re going to prevent large parts of this Earth from becoming not only inhospitable but uninhabitable in our lifetimes, we’re going to have to keep some fossil fuels in the ground rather than burn them and release more dangerous pollution into the sky.
As long as I’m President of the United States, America is going to hold ourselves to the same high standards to which we hold the rest of the world. And three weeks from now, I look forward to joining my fellow world leaders in Paris, where we’ve got to come together around an ambitious framework to protect the one planet that we’ve got while we still can.
If we want to prevent the worst effects of climate change before it’s too late, the time to act is now. Not later. Not someday. Right here, right now. And I’m optimistic about what we can accomplish together. I’m optimistic because our own country proves, every day -- one step at a time -- that not only do we have the power to combat this threat, we can do it while creating new jobs, while growing our economy, while saving money, while helping consumers, and most of all, leaving our kids a cleaner, safer planet at the same time.
That’s what our own ingenuity and action can do. That's what we can accomplish. And America is prepared to show the rest of the world the way forward.
Thank you very much.
-- President Barack Obama

terça-feira, 3 de novembro de 2015

Vá firme na direção das suas metas. Porque o pensamento cria, o desejo atrai e a fé realiza.


Join me on this journey:
This week, I will be traveling to Qatar and Jordan -- countries located in a part of the world known as the “Middle East” (if you look on a map, it’s just to the east of Africa) -- and I want young people like you all across America to join me on this journey!
On this trip, just like on previous international trips, I’ll be focusing on global girls’ education, an issue I care deeply about as a First Lady, a mother of two daughters, and a woman whose life was transformed by my education. You see, neither of my parents went to college, and they didn’t have much money. But they pushed me to work as hard as I could in school, and thanks to a lot of financial aid, I was able to go to college and law school and have all kinds of exciting jobs and opportunities.
Unfortunately, so many girls around the world never have the opportunities I had to get an education and fulfill their dreams. In fact, right now, 62 million girls across the globe aren’t going to school at all.
Many of them simply can’t afford it because, unlike here in the U.S., in some countries, parents actually have to pay for their kids to attend school. Sometimes the nearest school is miles away, and parents are afraid their daughters will be hurt or kidnapped while walking to or from school. Some schools don’t have adequate bathrooms for girls, so they have to stay home when they have their periods, and they may fall behind and even wind up dropping out.
Imagine what it would be like for you if you had to stop your own education.
Imagine being told, at the age of 12 or 13, “That’s it, you’re done with school. You’ve gotten all the education you’re ever going to get -- you won’t do any more science projects, or read any more books for English class, or have any more music, or art, or sports, or time with your friends in the lunchroom. And any dreams you have for what you want to be when you grow up -- a teacher, an astronaut, a nurse, a writer -- you have to give them up because you’ll never get the knowledge and skills you need to do those jobs.”
Pretty awful, right? And I don’t think any young person should ever have to give up their dreams like this. I think every child on this planet -- boys and girls -- should be able to get an education.
That’s why, last spring, President Obama and I launched Let Girls Learn, a new initiative to help adolescent girls across the globe go to school. Through Let Girls Learn, we’ll be helping communities around the world create girls’ leadership and mentorship projects, build school bathrooms for girls (because sometimes, schools don’t have adequate bathroom facilities for girls, which is one of the reasons why they can’t attend school), and more. We’ll also be funding girls’ education programs in countries that are torn apart by war or violence, and we’ll be working to address issues like poverty that make it hard for girls to get an education (because their families can’t afford to send them to school).
Every American deserves quality, affordable health care
And this week, I’m heading to Qatar to speak at a global education conference attended by people from 120 countries around the world. I’ll be urging other countries to invest more in girls’ education and to challenge cultural beliefs and practices that make people think girls are less worthy of an education than boys.
In Jordan, I’ll be visiting a school and speaking to several hundred middle school-aged girls. Like the U.S., Jordan is committed to educating every child in their country -- both boys and girls, including many children whose families have fled from Syria, a neighboring country that’s in the midst of a horrific civil war (millions of Syrians have had to leave their country because of the violence). Many of the girls at the school I’m visiting are Syrian refugees, and even though they’ve faced all kinds of challenges and hardships in their lives, they’re working hard in school and making their families proud. I’m excited to meet these girls -- and I’m excited to share their stories with all of you.
I’ll also be visiting a military base in Qatar to spend time with some of our extraordinary men and women in uniform and tell them how thankful I am for their service. And I’ll be visiting an amazing historical and archeological site in Jordan called Petra -- a beautifully preserved city that’s thousands of years old!
I want to share this journey with you, because I think it’s important for young people like you to be global citizens -- to connect with other young people around the world and learn about their lives. I also want you to be inspired and motivated by the girls I meet and to realize that if they can succeed in school even in the face of so many challenges, so can you.
That’s why I’ll be using social media to share my trip with you. I hope you’ll join me! Here’s how:
So stay tuned.
-- Michelle Obama

Find out how help yourself and others get covered during this Open Enrollment season

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It's Time To #GetCovered

If you – or someone you know – needs health insurance, now’s your chance to sign up for quality and affordable coverage. Open Enrollment only happens once each year. This year’s Open Enrollment runs from November 1 through January 31. Don’t miss your chance to get covered.
 Here are three simple things you can do: 

  •  Sign Up: Visit to apply and enroll in coverage.  

  • Serve: Visit to help people find local enrollment assistance and to find a volunteer opportunity near you. Be on the look-out for more volunteer opportunities throughout Open Enrollment season.
 Here a few fast facts about getting covered through

  • It's not as expensive as you think. 8 out of 10 people who enroll in a health plan receive financial help. In fact, most people can find a health insurance plan for as little as $75 or less per month.
  • It doesn't take as long as you think. During last year’s open enrollment, it took most people only about 10 minutes to submit an application.
  • Sign up by December 15. December 15 is the deadline to sign up for coverage that starts on January 1. If you want to start the New Year with coverage, sign up by December 15.
  • Free help is available! If you have questions about your coverage or want to make a change, personal help is just a call or click away. Call 1-800-318-2596 or find free in-person help in your community by visiting
Health Insurance Marketplace 2016

Hunton & Williams LLP 
Florida International Bankers Association
invite you to join us for

Focus on Financial Services:
Shadow Banking

Thursday, November 5, 2015

5:00 p.m. Registration
     5:30 – 6:30 p.m. Program
– 7:30 p.m. Reception
Hunton & Williams LLP
1111 Brickell Avenue, Suite 2500
Miami, FL 33131
Space is limited.
FIBA Members  $35Non-Members   $50
 Payments can be made via check at the door or online.

Few things are as divisive as the views of industry participants on the financial activities of non-banks
(aka shadow banks). With over $75 trillion in global assets, shadow banks have challenged traditional (regulated) banks in influence and with their potential to disrupt the US and global economies. 
Join leaders from the banking and shadow banking arena for a discussion on the forces that have driven
this new area within financial services. The panel will also focus on the expansion of private capital
into the lending arena following the financial crisis.  
David J. Schwartz 
Stefano D’Aniello

Senior Attorney, Hunton & Williams
Alex Rey, CCLExecutive Vice President, Merrick Capital Partners
Chair, Greater Miami Chamber of Commerce, Banking & Financial Services Committee 
Thomas Dujenski
Managing Director, Alvarez & Marsal
Former Regional Director, Federal Deposit Insurance Corporation (FDIC)
Rajeev Patil
Executive Vice President, SL Capital
Additional speakers to be announced shortly.
Register Now
Feel free to forward this invitation to colleagues and friends whom you feel
would be interested in the event.

Starting today, the Health Insurance Marketplace is open for business. This means something for all of us.

It's that time. Are you covered?
Starting today, the Health Insurance Marketplace is open for business. This means something for all of us.
Whether you changed jobs or haven't been covered in the past, if you need health insurance for 2016, you can visit right now, apply, and get covered.
Maybe you just want to shop around, consider your options, or update your current plan. Either way, now is the time to do it. Just make sure you create an account so that you can log back in, apply, and enroll, or just update your info before January 31, 2016.
Every American deserves quality, affordable health care
Plans on the Marketplace change every year and, new, better and more affordable plans might be available in your area this time around.
And if you're already covered, then help spread the word to friends, family and loved ones -- let them know it's time to join the millions of Americans getting covered during the next three months.
Right now, too many Americans who stand to benefit most from coverage have no idea what "open enrollment" means, what kind of coverage they're eligible for, or what health care might mean for them.
We can help change that. Let them know it's time to #GetCovered.
Get Covered NoW
Thanks -- and we'll be in touch soon.