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ASC-091 - ASC Data Protection 2010 - Dump Information

Vendor : Symantec
Exam Code : ASC-091
Exam Name : ASC Data Protection 2010
Questions and Answers : 129 Q & A
Updated On : April 24, 2019
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ASC-091 Questions and Answers

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ASC-091 ASC Data Protection 2010

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Exam Questions Updated On :



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ASC-091 exam Dumps Source : ASC Data Protection 2010

Test Code : ASC-091
Test Name : ASC Data Protection 2010
Vendor Name : Symantec
Q&A : 129 Real Questions

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Symantec ASC Data Protection 2010

Symantec Encryption: Product Overview and analysis | killexams.com Real Questions and Pass4sure dumps

Most contemporary products Articles

See our finished checklist of true 10 enterprise encryption options.

business Description

founded in 1982, Symantec has greater than eleven,000 personnel in more than 35 international locations. Its encryption business began in 2010 with the acquisitions of GuardianEdge and PGP Corp.

Product Description

Symantec's built-in encryption product line comprises endpoint, email and file encryption. Endpoint encryption encompasses full disk encryption (together with BitLocker and FileVault administration), file share encryption (protects selected data and folders before sharing across devices, servers and within the cloud, with Symantec statistics Loss Prevention policy enforcement integration), computing device email encryption (automatically encrypts, decrypts, digitally indications, and verifies messages in accordance with particular person or centrally managed guidelines), gateway electronic mail encryption, and cellular email encryption (ship and obtain encrypted messages without difficulty from Apple iOS  and Android).

"Key encryption facets include scalability, automation (administrators can sync person and neighborhood profiles with energetic directory to automate key management and policy controls throughout the corporation), reporting, integration with Symantec DLP scan statistics, flagging sensitive content material and monitoring user pastime on and off the community," pointed out Kathryn Kriese, most important Product manager, Symantec.

agents

agents (known as consumers) are pushed by way of the management server or a application deployment.

Markets and Use instances

Symantec Encryption's strongest markets encompass govt organizations, fiscal features and healthcare.

relevant Metrics

Some shoppers are the use of this utility on up to 500,000 endpoints in their ambiance.

protection skills

Symantec Encryption items use FIPS 140 validated cryptography.

Intelligence

Symantec DLP provides advanced records detection, enabling discovery of advanced sensitive tips like personally Identifiable advice (PII). Symantec DLP is a suggested integration with Symantec tips Centric Encryption. together, they supply automated and constant coverage for records at any place it goes.

Standalone or Suite

Symantec offers a sequence of encryption products which will also be bought as standalone tools or as one comprehensive built-in encryption equipment.

delivery

The encryption product line is delivered as software, apart from assistance Centric Encryption (ICE), which is a cloud service.

Pricing

Pricing for many products in the Encryption product line are perpetual or subscription licenses. ICE is available best as a subscription license (that is, no perpetual license).

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supply: Symantec To liberate Veritas NetBackup 7.7 next Week | killexams.com Real Questions and Pass4sure dumps

CRN has learned that Symantec subsequent week plans to unveil the newest edition of its NetBackup data coverage utility.

Veritas NetBackup 7.7 is being targeted at helping channel companions and shoppers cut back the complexity of their statistics insurance policy environments whilst those environments proceed to scale, in accordance with a source close to Symantec.

NetBackup 7.7 is the latest version of NetBackup 7, which changed into in the beginning introduced in 2010.

[Related: Symantec COO: Partners Will Benefit From Breakup]

The unencumber of NetBackup 7.7 comes as Symantec is within the manner of splitting into two separate groups, Veritas and Symantec. Symantec in 2005 received Veritas.

the brand new Veritas will encompass Symantec's records coverage, archiving, eDiscovery and storage management options. the brand new Symantec will center of attention on the enterprise's security options and features. The split is anticipated to be finished by using yr-conclusion.

Symantec Veritas is still a frontrunner within the information coverage software market. in keeping with IDC, the business had a 24.2 % market share in 2013, the latest 12 months for which such records is attainable.

New to Veritas NetBackup 7.7 is integration with VMware digital Volumes, as well as enlargement of the variety of cloud suppliers with which the utility integrates. NetBackup 7.6 currently helps Amazon, AT&T, Quantum and Rackspace clouds.

additionally new are streamlined policies in Microsoft Hyper-V and Microsoft SQL environments to enhanced adapt with workload requirements and make it easier to take talents of clever policies to automate facts insurance policy.

NetBackup 7.7 will additionally superior combine with tremendous scale-out storage environments like NetApp's Clustered data OnTap, the Symantec source mentioned.

Symantec is also planning to deliver new self-carrier equipment to NetBackup 7.7. these equipment consist of plug-ins for the VMware vSphere net client and Microsoft's SSCMM (system core digital computer manager), both of which can be represented in the NetBackup console. The self-service capacity could be a one after the other licensed add-on, and should assist digital laptop directors without delay operate backups from the storage itself, the source observed.

For answer suppliers, Veritas NetBackup 7.7 will allow the introduction of self-provider consoles that will also be used as a storefront to carry backup and healing functions to clients, the source stated.

One Veritas channel companion, who requested anonymity, observed that while Veritas NetBackup 7.7 is an immense enhancement to the software, Veritas going ahead will face the same form of challenges as the facts protection business does as an entire as shoppers exchange the manner they take care of facts, including expanding use of the cloud.

"it's difficult to promote backup," the answer provider told CRN. "every person has backup. or not it's tough to get shoppers to change. We nonetheless do a lot of assist. When doing fundamental storage upgrades, we work with valued clientele to be sure the statistics insurance plan is completed right, and do loads of trying out. however those several-hundred-thousand-dollar orders? We don't see that anymore."

nevertheless, the answer company spoke of, Veritas fitting an impartial company by means of 12 months-end is good information for Veritas and the channel.

"The center of attention on facts coverage was not there with Symantec," the solution provider said. "Symantec, in view that it received Veritas, introduced two units of sales reps into one. And or not it's clear when speaking to them what aspect they got here from. They sell what they understand. It might be best to have a separate Veritas income crew with individuals who can come in and say, 'You hear about this answer?' or 'You know about that provider?'"'

published JULY 1, 2015


Symantec Unveils strategy to protect mobile devices and facts | killexams.com Real Questions and Pass4sure dumps

Recognizing that the technology panorama is moving all of a sudden toward mobility, Symantec nowadays unveiled new tools to assist protect cell gadgets, and the delicate facts they include. The cell safety and management strategy from Symantec enables organizations, carrier providers, and users to manipulate and relaxed mobile gadgets no count the place they can also roam.

There have been a pair minor threats, but for essentially the most part the wave of assaults against mobile contraptions and cell information has not yet befell. Malware builders and cyber criminals are likely to observe in the wake of consumer demand, however one step forward of security solutions. Symantec is hoping to get a proactive bounce on the attackers and prevent smartphones and drugs from being focused in the first vicinity.

Symantec is trying to stay one step ahead of attackers and proactively address the growing need to protect and secure mobile devices.A Symantec press unencumber concerning the new solutions explains, "Smartphone usage is transforming into exponentially, with new cell gadget shipments expected to enhance by using 55 % in 2010. furthermore, Android and Apple iOS gadgets are expected to own 31 percent of international market share by yr's conclusion," adding, "increasingly the identical machine is being used for private use, company use and for having access to amusement and carrier-supplied services. This fundamental shift in behavior presents big productiveness increases but additionally represents new security and administration challenges for 3 key businesses--IT corporations, consumers and communique provider providers."

The tools from Symantec are above all welcome for IT admins wrestling with the way to manipulate and give protection to far off mobile devices. The "respectable ancient days" of PCs tethered to pcs nestled with no trouble in the four partitions of the office, and guarded by way of a fringe firewall are lengthy long past. The accountability is the same, but now the contraptions are everywhere, and the should control and give protection to them is a worldwide, 24/7 project.

"Symantec's mission is to comfortable individuals and suggestions through identification, insurance policy and context, and our broad method to cellular protection and management is a key extension of insurance plan for all of our valued clientele," pointed out Francis deSouza, senior vice chairman, business security neighborhood, Symantec. "via providing cell safety and management for smart instruments, we're making it less difficult for businesses to permit their employees to make use of their equipment of option devoid of placing corporate statistics at risk."

IT admins have needed to adapt to the new mobile tradition, and include managing cellular gadgets which are both enterprise equipment, and private enjoyment devices on the equal time. The trend maintains users satisfied, but has created challenges when attempting to manage and offer protection to gadgets like iPhones and iPads, or Android smartphones that lack advantageous infrastructure and administration equipment.

Symantec's cell solutions help IT admins manage chance and handle the challenge posed with the aid of merging purchaser and company cell contraptions into one. Symantec offers tools to give a boost to authentication on cellular instruments, and to allow IT admins manipulate and secure contraptions, and encrypt the records they comprise.

To comment on this text and different PCWorld content material, seek advice from our facebook page or our Twitter feed.

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ASC X12 and DISA Announce 2012 Guilbert and Bass Award Honorees | killexams.com real questions and Pass4sure dumps

FALLS CHURCH, VA--(Marketwire - Oct 11, 2012) - The Accredited Standards Committee X12 (ASC X12) and its Secretariat, the Data Interchange Standards Association (DISA), presented the 2012 Edward Guilbert e-Business Professional Award and 2012 Earl J. Bass e-Business Achievement Award  at the ASC X12 Standing Meeting in Rochester, NY.

The Guilbert Award, the highest level of recognition bestowed upon e-business standards professionals since 1991, recognizes significant career contributions in e-business message development. The award is named in honor of Edward A. Guilbert, who served as a logistics officer during the Berlin Airlift of 1948 and later created the first system to exchange data electronically. Mr. Guilbert was a true pioneer in Electronic Data Interchange (EDI).

Mr. Bob Miller and Mr. Kim Santos were selected as the 2012 Guilbert Award winners.  Mr. Miller served ASC X12 as both the Chair and Vice Chair of X12C Communications & Controls.  In his work with X12C, he was a major contributor and subject matter expert in the development of X12.5 Interchange Control Structures, X12.6 Application Control Structure and X12.56 Interconnect Mailbag Control Structures. Mr. Miller is retired from GEIS/GSX as a VAN support specialist and consultant.

Mr. Santos is a retired U.S. Customs and Border Protection (CBP) officer.  He was instrumental in the development of the original Manifest application at CBP through the use of the precursor to X12, the Transportation Data Coordinating Committee (TDCC) standards.  Mr. Santos was an active participant at ASC X12 dating back to 1986.  He was elected as the first Chair of Transportation's Task Group 9 - Customs, when the task group was formed in 1994.  He continued as chair until his retirement from CBP in 2010.  In addition to chairing Task Group 9, Kim was an active participant in other Task Groups within Transportation, including Ocean, Motor, Rail, and the full Transportation Subcommittee.  

The Bass Award recognizes outstanding achievements and leadership in the development and use of EDI and Extensible Markup Language (XML) messages during the past year. Earl ("Buddy") Bass was the principal author of the first EDI standards manuals, based on input from transportation industry work groups. As a technologist, his most significant contribution to EDI is the simple, elegant, coded syntax notes used to unambiguously describe the conditional requirements of data elements within a segment.

The 2012 Bass Award recipient is John Bock of eEmergence. Mr. Bock championed the development of the first set of ASC X12 implementation guides to support the reporting of post-adjudicated data for institutional, professional and dental claims. These implementation guides will enable the health care sector to meet federal and state reporting requirements. Mr. Bock has been a member of ASC X12 since 1996, and has made significant contributions to the advancement of EDI within ASC X12 and other standards related organizations.

"DISA is pleased to recognize these industry leaders for their accomplishments in the development of cross-industry electronic standard transactions that enhance business processes and productivity," said Jerry Connors, President, DISA.

About ASC X12 ASC X12, chartered by the American National Standards Institute more than 30 years ago, develops and maintains EDI and CICA standards along with XML schemas which drive business processes globally. The diverse membership of ASC X12 includes technologists and business process experts, encompassing health care, insurance, transportation, finance, government, supply chain and other industries. For additional information, visit www.x12.org.

About DISA The Data Interchange Standards Association (DISA), Secretariat to ASC X12, is home for the development of cross-industry e-business interchange standards that help organizations improve business methods, lower costs and increase productivity. DISA provides administrative and technical support to ASC X12. For additional information, visit www.disa.org, or call (703) 970-4480.


Officially Official: 2012 BMW 1 Series M Coupe is ready to cut and thrust | killexams.com real questions and Pass4sure dumps

2012 BMW 1 Series M Coupe – Click above for high-res image gallery BMW's long, agonizing roll-out of information about the 2012 1 Series M Coupe has been a bit maddening. In addition to an early video reveal, we were invited to get some seat time in a prototype of the 1M, leaving us with just the final production-spec images and details in the world of the unknown. Well, wait no more – BMW has officially taken the wraps off of its hot new 1 Series, and while we're still very eager to put this sporty coupe through its paces, we can't help but wish for just a teensy bit more... oomph.

Let's start with power. The 1 Series M Coupe uses BMW's twin-turbocharged 3.0-liter inline-six, and while early estimates had the car pumping out as much as 350 horsepower, the final numbers are: 335 hp and 332 pound-feet of torque – exactly what you get out of this engine in the current Z4 sDrive35is. The car's ECU has an overboost function that provides an additional 37 lb-ft of twist at full tilt, and with your foot pressed hard into the right pedal, 0-60 will happen in just 4.7 seconds. Top speed is electronically limited at – you guessed it – 155 miles per hour.

2012 BMW 1 Series M CoupeThe only transmission available is a six-speed manual, though rumors have circulated about a possible twin-clutch DCT box making its way into the car down the road. Like all M cars, the 1M features an M Drive button on the steering wheel that improves throttle response. Additionally, the car is equipped with an M Dynamic Mode button that allows the electronic driving nannies to kick in slightly later than normal.

Compared to a 2011 135i coupe, the 1M is 0.2 inches longer, 2.1 inches wider and 0.5 inches taller. Both the front and rear tracks have been increased by 2.8 and 1.8 inches, respectively. Weighing in at 3,296 pounds, the 1 Series M Coupe is 77 pounds lighter than your off-the-shelf 135i. The 1M rides on standard M-specific 19-inch wheels wrapped in 245/35 rubber up front and beefy 265/35 out back. BMW hasn't made great strides to rework the 1 Series' interior for the M, but things like sport seats and a fat sport steering wheel are standard fare.

Don't get us wrong, we're drooling over the 1 Series M Coupe, but we can't help but wish for a bit more power and perhaps a larger reduction in weight. After all, BMW is comparing this car to the E30 M3 coupe (see for yourself in our high-res image gallery), which is perhaps one of our all-time favorite Roundel sports cars. Still, BMW needs to position the 1 Series M Coupe in a way that it doesn't step on the toes of it's big brother, the M3, and we're sure that this M Coupe treatment will provide more than enough moxie for us enthusiasts to get our kicks.

We'll have plenty of live shots direct from the 1M's Detroit Auto Show debut, but see the unwrapped beauty for yourself in our image gallery, below. BMW's prolific press release is available after the jump, as well.

[Source: BMW] Show full PR text The All-New BMW 1 Series M Coupe

The return of "Eigenwillig."

Woodcliff Lake, NJ – December 9, 2010, 6pm EST... With anticipation of enthusiasts around the world at fever pitch, today BMW M GmbH unveiled the newest member of its intimate product family. For the first time, the coveted M badge has been granted to the popular BMW 1 Series in the form of the all-new BMW 1 Series M Coupe. The M badge was imparted after a two-year development process through which BMW M engineers and test drivers achieved the exceptional power delivery and the signature, near-perfect driving behavior of a BMW M car. The 2011 BMW 1 Series M Coupe will be available in limited quantities and with a limited range of options at Authorized BMW Centers in Spring, 2011. Final pricing, packages, and options will be announced closer to the on-sale date.

"Eigenwillig," a German word meaning "self-willed," "individual," and "determined to go its own way," has been the proper word to describe the most unique and memorable M cars of the past three decades. With the original 1988 BMW M3 as its inspiration, the 2011 BMW 1 Series M Coupe combines the raw capabilities of a race car with the agility, versatility, and seating position of a compact BMW Coupe to create a pure Ultimate Driving Machine®. In doing so, the 1 Series M Coupe continues the eigenwillig tradition of BMW M. With its latest two-door model, BMW M is illustrating its ability to build race car performance into a small car, capable of everyday use.

Dimensions and Construction

The new BMW 1 Series M Coupe has been developed for near-perfect balance and a large, square footprint. It is 71 inches (1803mm) wide – 4.8 inches (122mm) wider than its 1988 M3 ancestor - yet only 1.3 inches (33mm) longer at 172.4 inches (4379mm) long. The new 1 Series M Coupe weighs in at 1,495kg DIN (3,296 lbs, preliminary), and features a 104.7-inch (2659mm) wheelbase, three inches longer than the 1988 M3. Front and rear track widths are exactly the same on the 1 Series M Coupe at 60.7 inches (1542mm) each. Compared to the 2011 BMW 135i Coupe, the 1 Series M Coupe is 0.2 inches (5mm) longer, 2.1 inches (53mm) wider, 0.5 inches (13mm) taller, and rides on the same 104.7 inch (2659mm) wheelbase. It features a track 2.8 inches (71mm) wider up front and 1.8 inches (46mm) wider in the rear, and weighs 35kg DIN (77 lbs, preliminary) less.

The new 1 Series M Coupe features a high-strength steel unibody, with unique, widened fenders and rear quarter panels to house the substantially widened track. It also features a metal roof panel which saves about 35 lbs (15kg) compared to BMW 1 Series models equipped with a moonroof. The 2011 BMW 1 Series M Coupe, constructed as one of BMW's most performance-oriented vehicles in recent years, will not be offered with a moonroof. This weight savings - at the tallest point of the vehicle - provides a corresponding drop in the center of gravity, which contributes to improved driving dynamics. It also helps maximize head room (or helmet room, as the case may be).

Engineering a chassis which is "faster than its engine"

Providing sure-footed responsive handling for a high-performance, powerful and luxurious coupe, while keeping mass under control, presented numerous challenges for BMW M's engineers. The result is an aluminum suspension originally conceived for the current-generation M3, and tuned specifically for this model at BMW M's Nϋrburgring Nordschleife test center. Of course, every BMW design begins with arranging major components in a way that facilitates near-perfect front/rear weight balance (51.7/48.3).

Virtually all of the front-end components are aluminum, including the front struts, swivel bearings, central subframe and an additional thrust panel below the engine serving to maximize lateral stiffness of the entire front section.

At the rear axle, the subframe, transverse arms, track arms, and wheel hubs have been reconfigured by M for ideal kinematics, geometry and stiffness. Virtually every detail on the five-arm rear axle is made of aluminum and is new for this generation of BMW M vehicles, including the aluminum dampers.

Both the front and rear axles feature hollow anti-roll bars optimized for their function and weight. Incorporating two additional longitudinal reinforcement bars, axle kinematics are perfectly tailored to the overall street and track character of the car. The result, in terms of both stability and weight, conforms to the balanced performance concept of every BMW M vehicle. Compound Brakes and Wheels

A suitably powerful braking system for a car with this much performance was originally developed for the current-generation BMW M3. The internally-vented, cross-drilled cast iron discs measure 14.2 inches (360mm) in diameter at the front and 13.8 inches (350mm) in the rear. Featuring large compound disc brakes and electronic anti-lock, stopping power for the 1 Series M Coupe is strong, precise and consistent. Each disc is connected to a floating aluminum hub by cast-in stainless-steel pins. This configuration reduces the thermal loads on the discs, thus increasing their performance and service life. An electrically-driven pump provides the system's vacuum power.

Service – and safety – are enhanced thanks to an integrated wear indicator which, through a dash display, allows the driver to monitor the condition of the brake linings. Brake service – covered for four years or 50,000 miles under BMW Ultimate Service - can thus be administered when necessary without guesswork.

The 1 Series M Coupe is equipped with the M-specific, light-alloy cross-spoke wheels from the M3 Competition Package and limited-production M3 GTS. They measure 19 x 9 inches with 245/35/R19 low-profile tires at the front and 19 x 10 inches with 265/35/R19 tires at the rear, and are silver in color.

In the BMW 1 Series M Coupe, power transmission to the rear wheels also provides the ideal basis for thrilling driving dynamics due to the consistent separation of drivetrain and steering functions. The rack-and-pinion steering is fitted with the hydraulic power steering system called Servotronic, which regulates boost in relation to road speed.

Engine

The heart of every BMW is the engine, and so an inline-6 with outstanding performance, free-revving behavior, and endless thrust propels the BMW 1 Series M Coupe. The concept is familiar: in the model history of BMW M, the high-revving inline-6 is one of the classic engine formats. In the second and third generations of BMW M3, the inline-6 became famous for combining high output, razor-sharp response, and sonorous sounds. In the BMW 1 Series M Coupe, the inline-6 engine concept is realized in its most up-to-date form.

The twin-turbocharged, all-aluminum, 3.0-liter inline-6 engine is characterized by instantaneous response to the accelerator pedal, fantastic sounds, and a free-revving spirit. The combination of twin low-mass turbochargers and BMW's High Precision direct injection offers an output a naturally-aspirated engine would only be able to provide through more cylinders and larger displacement.

The turbocharger system developed for the engine of the new 1 Series M Coupe maintains a high output throughout the entire engine speed range. Maximum output of 335 hp (250 kW) is delivered at 5,900 rpm. Nominal peak torque is 332 lb-ft (450 Nm) from 1,500 rpm to 4,500 rpm. Redline is 7,000 rpm. The enhanced engine management system of the 1 Series M Coupe includes an electronically-controlled overboost function to briefly increase torque under full load by another 37 lb-ft (50 Nm). This temporary torque peak of 369 lb-ft gives the car a substantial increase in acceleration. The 1 Series M Coupe will complete the sprint from a standstill to 60 mph in just 4.7 seconds (0-100 kmh in 4.9 seconds). The standing quarter-mile mark comes up in 13.2 seconds. Top speed is limited electronically to 155 mph (250 kmh).

Signature sound to accompany the surge of power

The exhaust system of the 1 Series M Coupe has been tuned by M specifically for this new model. Acoustic engineering gives the car a unique personality in all phases of operation. The M exhaust system is easily recognized by the presence of its four signature exhaust pipes.

M Drive Button

The new 1 Series M Coupe also features the steering wheel-mounted M Drive button that made its first appearance in the 2006 M5. In the 1 Series M Coupe, the M Button activates a razor-sharp throttle response program for the sportiest driving. This means that the performance characteristics of the engine can be varied according to the driver's wishes.

6-speed Manual Transmission

A close ratio 6-speed manual transmission is used for power transmission to the rear wheels in the BMW 1 Series M Coupe. It was specially designed to interact with high-torque engines and has been fitted for this purpose with a dry sump cooling system. An upgraded flywheel for high-torque applications is installed between the engine and transmission. The transmission is operated using a very short M gearshift lever. Final drive ratio is 3.15: 1.

Variable M differential lock, DSC with M Dynamic Mode

The BMW 1 Series M Coupe is fitted with a variable M differential lock. This generates lock-up torque on-demand and variably, thus providing for optimum rear-wheel drive traction on all road surfaces. The variable M differential lock responds to differences in rotational speeds in the right and left rear wheel, redirecting drive torque in a fraction of a second. So where there are significant differences in friction coefficients between the right and left rear wheel, for example, optimum traction and maximum possible propulsion are ensured. The centrifuge principle of the variable M differential lock supports the dynamic qualities of rear-wheel drive both on slippery surfaces and when accelerating out of bends.

This gives the BMW 1 Series M Coupe traction benefits on slippery surfaces, snow and sand. It also supports sporty-style motoring on narrow, winding roads such as mountain passes since optimum traction and maximum drive torque are available when accelerating out of a bend. So in this model, too, the variable M differential lock proves ideal support for the driving dynamics properties of rear-wheel drive.

The Dynamic Stability Control (DSC) of the BMW 1 Series M Coupe includes such elements as the Antilock Brake System (ABS), an anti-slip control function (ASC), the brake assistant Dynamic Brake Control (DBC), a hill-hold assistant for starting off, Cornering Brake Control (CBC), a brake fade compensation function and a brake drying function. In the wet or on slippery surfaces the DSC intervenes discreetly to limit oversteer.

As an alternative to normal operating status, the driver can activate M Dynamic Mode (MDM) by means of pushing the MDM Button between the front air vents, raising the intervention thresholds of the DSC system. MDM enables slight amounts of dynamic oversteer under specific circumstances to enable optimum vehicle yaw for maximum performance. Demonstrations at the BMW Performance Center in Spartanburg, S.C. have proven MDM mode to enable the fastest-possible lapping performance while still providing the assurance and protection of Dynamic Stability Control. MDM also facilitates starting off in snow or loose surfaces by means of carefully controlled amounts of wheelspin. DSC may be fully disabled via a long-press of the MDM button (ABS remains active).

Innovative Aerodynamics: Air Curtains

Consistency between form and function is crucial to engineers at BMW M, who seek perfect balance of various aerodynamic factors in the wind tunnel. As a result, the 1 Series M Coupe has been equipped with BMW's latest aerodynamic innovation. Air curtains, used here for the first time in a BMW production vehicle, improve air flow around the wheel arches with the benefit of significantly reduced turbulence.

This innovative aerodynamic feature consists of openings in the outer section of the lower front fascia that route high-pressure air through ducts at each front corner. The ducts are approximately 10 x 3 centimeters wide and are designed to channel air to openings at the front of each wheel arch, where it is discharged through a very narrow opening at high speed. The escaping air stream covers the side of the front wheels like a curtain, thereby reducing aerodynamically unfavorable turbulence around the rotating wheels.

This feature has a key role to play in the development of future aerodynamic innovations. An example of the air curtain principle was first presented in the concept study BMW Vision EfficientDynamics at the International Motor Show (IAA) in Frankfurt in 2009, and the developers of the BMW 1 Series M Coupe took on the pioneering task of applying this element to a production vehicle. To do so, they utilized the unique capabilities of the new full-scale "rolling road" Aerolab wind tunnel at the BMW Group's new Aerodynamic Testing Center.

Design

There are three exterior paint finishes to choose from for the BMW 1 Series M Coupe. In addition to Alpine White non-metallic and Black Sapphire Metallic, Valencia Orange Metallic is available exclusively for this compact high-performance sports car.

The powerfully shaped front fascia is dominated by three large air intakes which secure cooling air for the high-performance engine. The wide central air intake is covered by a honeycomb-structured grille, while the two outer intakes are completely open. This means that in every situation on the road or track, a sufficiently large quantity of cooling air is fed directly to the engine oil cooler on the right and to the supplemental coolant radiator on the left.

With the greenhouse conveying an impression of lightness, the powerfully distinctive shoulder line and the elaborately sculpted surfaces symbolize precisely controllable athleticism in profile. The wheel arches of the 2-door model bulge out especially voluminously at both the front and rear. One hallmark M feature is the chrome gill element on the front wheel arch which is particularly elongated. It bears the side turn indicator and the M brand logo, as well as forming the starting point of the character line running along the door handles to the rear. A vertical contour edge starts at the gill element which leads down to the side sill. Fine-tuning in the wind tunnel has also shaped the design of the exterior mirrors. In their basic shape they are the same as those of the BMW M3.

The powerful wheel arches also make the rear of the BMW 1 Series M Coupe seem especially broad. Horizontally arranged lines accentuate this impression. A discreet spoiler lip on the luggage compartment lid generates additional downforce on the rear axle at high speeds. The rear fascia has side openings which echo the look of the Air Curtain intakes in the front fascia. The characteristic M visual symmetry is created by two sets of chrome twin tailpipes, each positioned towards the outer edges. L-shaped rear light clusters with red glass covers create a characteristic night-time illumination. Inside these, the rear light is provided by two light banks fed by LED units.

The BMW 1 Series M Coupe features standard Xenon Adaptive headlamps. The twin circular headlights are truncated in the upper section by an LED-fed "eyebrow." This is what creates the focused look of the 1 Series M Coupe. Focused Interior

The M-specific cockpit developed exclusively for the BMW 1 Series M Coupe is designed to facilitate focused, sporty driving. High-quality, dark Alcantara with orange contrast stitching covers the door panels, door pulls, instrument cluster binnacle, dash panel, and gearshift and handbrake lever boots. The driver's attention is focuses on an M-specific instrument cluster with gray dials, classic M red pointers, and white backlighting. An M driver footrest and M entry sills round off the unique interior.

The black sport seats in standard Boston leather have orange contrasting stitching and an M logo embossed in the front of each headrest. Seat heating is available for both front seats. The orange contrast stitching is also echoed on the rear seats and on all design elements featuring Alcantara. The leather M multifunction steering wheel features the now-ubiquitous M Button for spontaneous activation of the sharpest throttle response and M Dynamic Mode of DSC.

The dominance of dark surfaces, including the A pillar trim and anthracite headliner reduces sun glare and promotes focus on the road. In combination with high-quality materials, carefully planned contours, and selective color accents, the interior of the BMW 1 Series M Coupe provides a perfect environment in which to pursue driving pleasure.

Safety Equipment

BMW passionately pursues a safety philosophy with three key modes: a) superior accident avoidance, b) superior crash survivability, and c) comprehensive post-crash notification. The 1 Series M Coupe features an extensive range of standard equipment which underscores BMW's safety research culture. Standard safety features include front, pelvis-thorax and side curtain head airbags, three-point automatic seatbelts for all seats with belt force limiters and belt pretensioners at the front. Models equipped with BMW Assist feature BMW's Enhanced Automatic Collision Notification, which alerts authorities when an airbag deployment has occurred. Furthermore, data from on-board safety systems is processed and analyzed through the proprietary URGENCY algorithm so that the vehicle may provide the BMW Assist call center with special notice when occupants are likely to have sustained severe injury.


Appraisal hypocrisy hits home | killexams.com real questions and Pass4sure dumps

By Jeff Lazerson, Special to USA TODAY Published 9:02 a.m. ET Dec. 6, 2014 | Updated 2:36 p.m. ET Dec. 7, 2014

The cost of home appraisals has gone up.(Photo: Ernest Prim, Getty Images/iStockphoto)

Before the mortgage meltdown and the resulting Great Recession, you paid a reasonable price for an appraisal, and your loan officer typically received a reasonable opinion of value that led to your purchase or refinance getting funded.

Not so much anymore. Swift and furious post-crisis reaction from regulators gave birth to the 2009 Home Valuation Code of Conduct or HVCC, and the federal Dodd-Frank Law, passed in 2010, (which made HVCC statutorily mute) making things far worse for you in terms of appraisal cost and resulting valuations.

Appraisal charges have gone up roughly 33%. "Appraisals were $375 before, and since HVCC the prices went up to $500," said Yorba Linda, Calif., appraiser Myles Lawson.

The Federal Housing Finance Agency, the Consumer Financial Protection Bureau and the Appraisal Subcommittee - a federal agency that reviews state regulators of appraisers -could not point to any post-crisis publicly available data on appraisal accuracy when contacted for this column.

Ask any veteran loan originator. The No. 1 reason that transactions fall apart is low-ball appraisals, not tight credit standards.

Regulators believed a quid pro quo relationship existed between appraisers and their direct loan officer customers that created unsupportable opinions of value, ultimately contributing to property prices collapsing across America. The appraiser gets the order and the work as long as the targeted value is hit.

Part of the HVCC solution was to create a firewall between the appraiser and the loan agent. It is forbidden for any originator to pick an appraiser. Honest, independent appraisers and their like-minded customers were being punished for unscrupulous behavior of others in the industry.

If the goal was getting to an objective property value by preventing appraisers from being undermined by their customers, the final rules fell woefully short. Under Dodd-Frank, lenders are allowed to own appraisal management companies (AMC), thereby having direct influence on the appraiser's livelihood. "Ask the bankers lobby why that's in Dodd-Frank. It's a huge flaw in the system," said Ken Chitester, director of communications at Chicago based Appraisal Institute.

The emphasis is now on volume, not quality. Before HVCC, independent appraisers kept 100% of the appraisal fee. "Appraisers now receive between 40% and 75% of the appraisal fee, often with a lot more required work. The AMC keeps the rest. Now it's about who will accept the job at the lowest fee and the fastest turnaround to the AMC," said Lawson.

One Washington man says Zillow made it nearly impossible to sell his home on his own and he's not the only homeowner with complaints. VPC

If you get low-balled and challenge the value, guess who ultimately decides the final value? That's right, the original appraiser.

Loan officers, who normally advocate for you, cannot directly discuss or dispute flawed appraisals with the appraiser because they can face disciplinary action against their license if they do.

This past July Janice Charlton of Thousand Oaks, Calif., says she was low-balled on a refinance appraisal with the value coming in at $745,000. "I was completely shocked. I follow the real estate market," said Charlton.

She appealed the value through the lender with the AMC that hired the appraiser, to no avail. "It's arbitrary. It's a real conflict-of-interest," she added.

Charlton did not give up. She applied elsewhere. Less than a month later another appraiser through a different lender brought the value in at $860,000. Charlton's perseverance paid off. She completed her refinance, saving $1,397 per month with her new, lower house payment.

Another reason some appraisers low-ball is to avoid claims against their errors and omissions insurance policies-for unsubstantiated value. When borrowers default or when Fannie or Freddie requires a lender to buy a loan back because of a defect in the loan file, lenders may look to blame others to recoup their losses. "Honestly, it could possibly be true," said Anthony Mattia, co-owner and chief operating officer of North Carolina based Appraisal Nation, when asked about the insurance claim fear.

Protect yourself by quizzing the appraiser on his or her experience in your community when you are contacted to set up the appointment. If you are uncertain, request a different appraiser.

Find lenders that use panel appraisers instead of AMC's. These are independent appraisers that tend to receive the full fee that you pay. They are more likely to be more thorough because they are getting paid full boat.

Go through proper channels to dispute problems. Have your facts at hand. Enlist your loan officer or your neighborhood realty agent to help you with your research. Vaguely saying that your value is too low will get you nowhere fast. Sometimes appraisers do own up to their mistakes. Sometimes lenders will call out bad appraisers and get you the value you deserve by ordering a new appraisal.

If you do have a complaint against an appraiser, the Consumer Financial Protection Bureau recommends the following clearinghouse http://refermyappraisalcomplaint.asc.gov/.

Mortgage Broker Jeff Lazerson is president of California-based Mortgage Grader. He has 28 years of origination experience. Contact him at: jlazerson@mortgagegrader.com

Read or Share this story: http://usat.ly/1CR5djw



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Symantec ASC-091 Exam (ASC Data Protection 2010) Detailed Information



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