February 2023 - cypherpunks@lists.ogf.org

Ohio train derailment: Why Republicans seized on the East Palestine accident - Vox
by Gunnar Larson 23 Feb '23

23 Feb '23

https://www.vox.com/politics/2023/2/23/23611697/ohio-train-derailment-east-… "Former President Donald Trump stands next to a pallet of water before delivering remarks at the East Palestine Fire Department station on February 22, 2023, in East Palestine." Water.org is one of those things ...

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Judge John Dorsey Has Effectively Privatized Justice in the FTX Bankruptcy Case
by Gunnar Larson 23 Feb '23

23 Feb '23

https://wallstreetonparade.com/2023/02/judge-john-dorsey-has-effectively-pr… By Pam Martens and Russ Martens: February 23, 2023 ~ John T. Dorsey (2016 Photo from Internet Archives' Wayback Machine) John T. Dorsey (2016 Photo from Internet Archives’ Wayback Machine) Judge John Dorsey is the presiding judge in the bankruptcy proceedings for Sam Bankman-Fried’s collapsed house of cards, which includes the now frozen crypto exchange, FTX; his now shuttered hedge fund, Alameda Research; and more than 100 opaque affiliates operating in the shadows around the globe. Undisputed is the fact that despite FTX being represented by some of the most prominent law firms in America as it built this criminal enterprise – notably Sullivan & Cromwell – more than 10.3 million user accounts were looted of more than $8 billion right under the nose of Big Law. We say “notably Sullivan & Cromwell” in the above paragraph because not only did it work on more than 20 matters for the FTX group of companies for 16 months prior to its bankruptcy filing but its former law partner, Ryne Miller, served as General Counsel of FTX US since August of 2021. In addition, Sullivan & Cromwell has conceded that it personally represented Sam Bankman-Fried on his purchase of more than half a billion dollars of stock in Robinhood Markets (a stock trading app) – the rightful ownership of which is now the subject of multiple court battles. Equally problematic, an email by Sullivan & Cromwell law partner, Andrew Dietderich, has surfaced in a court filing indicating that just four days before FTX filed bankruptcy, Dietderich had told another law firm that FTX is “rock solid.” (Dietderich is now one of the key law partners involved in the FTX bankruptcy proceedings.) Given this set of facts, justice for the defrauded customers and the public interest would obviously demand that the pre-bankruptcy legal interactions between Sullivan & Cromwell, the FTX group of companies and Sam Bankman-Fried (as well as all other questionable activities by others) be investigated by an independent examiner, as is required under bankruptcy law when requested by the U.S. Trustee and debts exceed $5 million. Instead, Judge Dorsey ruled against the U.S. Trustee’s request for an independent examiner in the FTX bankruptcy proceeding and has signed an order making Sullivan & Cromwell the lead counsel overseeing the FTX bankruptcy case. By doing this, Judge Dorsey has effectively privatized justice while sitting on the bench of a federal court. Sullivan & Cromwell is a 144-year old Big Law firm with more than 900 attorneys. Its headquarters is located in the financial district in lower Manhattan on Broad Street. It filed the FTX bankruptcy case, not in U.S. Bankruptcy Court in lower Manhattan, but in U.S. Bankruptcy Court in Wilmington, Delaware – a two-hour drive for its law partners, some of whom are billing as much as $2,165 an hour in the FTX bankruptcy matter. (For 19 days in November and 31 days in December, Sullivan & Cromwell has thus far billed $20 million in legal fees and more than $239,000 in expenses. Part of those expenses include more than $20,000 for “Conference Room Dining” and “Meals – Overtime.”) Judges in U.S. Bankrupty Court in Delaware, including Judge Dorsey, have previously ruled on multiple occasions against the appointment of an independent examiner when requested by the U.S. Trustee. This might explain the two hour drive to Wilmington, Delaware by Sullivan & Cromwell’s high-priced attorneys. As Sullivan & Cromwell’s partners are billing and eating their way through what’s left of defrauded crypto customers’ money, Judge Dorsey had the audacity to make the argument in turning down the U.S. Trustee’s request for an independent examiner, that it would cost too much money. The U.S. Trustee program is part of the U.S. Department of Justice, a federal agency. Its statutory mandate is “to promote the integrity and efficiency of the bankruptcy system for the benefit of all stakeholders — debtors, creditors, and the public.” The public’s vested interest in this matter could not be greater. The federal prosecutor who has thus far indicted Sam Bankman-Fried and two of his alleged co-conspirators (Caroline Ellison and Gary Wang), has called FTX “one of the biggest financial frauds in American history.” The entire life savings of some customers is gone with the allegation that their customer accounts were used as Bankman-Fried’s personal piggy bank to buy luxury real estate in the Bahamas; buy celebrity endorsements; slap his company’s name on sports stadiums; and funnel tens of millions of dollars to political campaigns. (And let’s not forget the millions of dollars in legal fees that went to Big Law firms – pre-bankruptcy – to keep this house of cards propped up. In addition to Sullivan & Cromwell, Forbes reported that the following U.S. law firms had worked for FTX prior to its bankruptcy filing: Fenwick & West; Gibson, Dunn & Crutcher; Hogan Lovells; Morrison Foerster; Paul Hastings; Perkins Coie; Quinn Emanuel Urquhart & Sullivan; Skadden, Arps, Slate, Meagher & Flom; and White & Case.) Adding to the logical premise that the public is heavily vested in a transparent and independent investigation of FTX and its enablers – and what is transpiring in these bankruptcy proceedings – a total of 18 state attorneys general and/or state securities regulators filed statements with Judge Dorsey’s court endorsing the U.S. Trustee’s request for an independent examiner. But in another show of how Judge Dorsey has privatized these proceedings, he ignored the wishes of 18 states representing more than a third of the population of the United States. We have made multiple requests to the offices of the U.S. Trustee, asking if the U.S. Trustee is planning to appeal the denial of its request to appoint an independent examiner. Thus far, no information on this topic has been provided to us.

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Manuel González Prada Anarchist Social Center inaugurated
by professor rat 23 Feb '23

23 Feb '23

The Manuel González Prada Anarchist Social Center was inaugurated and opened on September 17, 2022. It's purpose is to structure and give life to a place of these characteristics since it is a large space with several rooms, where there will mainly be the Library "Emilio López" Newspaper Library, Video Library, and Historical Archive of anarchism in the Peruvian region. https://anarchistnews.org/content/call-help-manuel-gonzalez-prada-social-ce… Reposts for anarchists not LOL-GOP, Qanon garbage from Gramps

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Watching Adam Back trying to pose as cryptoanarchist
by professor rat 23 Feb '23

23 Feb '23

This reminds me of when Colon Bowel went to Seth Efrika and tried to pass for black. Adam Back's lies precede him and his grave lies open in front of him. https://stiffs.com/celebrity/julianassange Dead men walking

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Rep Tom Emmer needs killing ( My 2k sats )
by professor rat 23 Feb '23

23 Feb '23

After approving passage of the Patriot Act he ran for US political office so earning immediate execution https://en.wikipedia.org/wiki/Tom_Emmer Marc responded, “indeed, free and open source software seems non-negotiable here: no backdoors, no skeleton key. National security establishment would balk at this though?” Rohan responds, “yes, fuck them. I don’t think we should be taking policy advice about how to design our money for the people who think the Patriot Act was a good thing …" https://www.coindesk.com/podcasts/coindesk-podcast-network/us-digital-dolla… Match me, Sydney

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Fwd: Your Freedom of Information Law (FOIL) Request FOIL-2023-093329-019093 - Coinbase $100M Settlement Investigation Records
by Gunnar Larson 22 Feb '23

22 Feb '23

SENT VIA EMAIL G(a)xny.io February 22, 2023 Gunnar Larson xNY.io – Bank.org 406 West 25th Street New York, NY 10001 Re: FOIL Tracking No. 2023-093329 Dear Gunnar Larson: I write with respect to your above-referenced FOIL request. The New York State Department of Financial Services (DFS) requires additional time to respond to your request, assigned the tracking number 2023-093329, because the potentially responsive records require specialized review. DFS intends to provide its determination of your request by March 24, 2023. We appreciate your continued patience. Thank you ---------- Forwarded message --------- From: <Joanne.Verdejo(a)dfs.ny.gov> Date: Wed, Feb 22, 2023, 11:13 AM Subject: Your Freedom of Information Law (FOIL) Request FOIL-2023-093329-019093 To: <G(a)xny.io> Good morning, Attached please find correspondence from the NYS Department of Financial Services, pertaining to your FOIL request. Thank you. Tracking Number:FOIL-2023-093329-019093 ---------- Forwarded message --------- From: <noreply(a)its.ny.gov> Date: Sat, Jan 14, 2023, 3:26 PM Subject: FOIL Request Confirmation from Open FOIL NY To: <G(a)xny.io> Thank you for submitting your FOIL request through Open FOIL NY. Here is your Open FOIL NY confirmation information for future reference: LARSON_DFS_20230114152649702 LARSON_DOB_20230114152649702 LARSON_DTF_20230114152649702 INFORMATION SUBMITTED: Records Requested From Department of Financial Services Division of the Budget Department of Taxation and Finance Short Title Coinbase $100M Settlement Investigation Records Description Dear Madam or Sir: xNY.io - Bank.org kindly seeks access to any and all records concerning New York State's investigation of Coinbase, comprising the $100M settlement mentioned here: https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202301041. We are requesting all public records from 2018 to 2022 concerning New York's aforementioned Coinbase investigation. Moreover, xNY.io - Bank.org seeks access to any and all records concerning New York's regulatory scrutiny (and/or approval) of Goldman Sachs' partnership with Coinbase, issuing the bank's first Bitcoin loan mentioned here: https://www.nasdaq.com/articles/goldman-sachs-partners-with-coinbase-for-ba…. In addition, xNY.io - Bank.org seeks any and all records concerning New York's approach to Coinbase and Goldman Sachs compliance programs mandated by the United States Department of Justice, Criminal Division, Fraud Section and Money Laundering and Asset Recovery Section mentioned here: https://drive.google.com/file/d/1Yx88RMoeLyyfbNK0RtPl4r-m8N21_1Sp/view?usp=…. Finally, xNY.io - Bank.org seeks records concerning New York's regulatory approval of Coinbase engaging a fine of $50M to implement heightened controls and additional procedures and policies relating to electronic surveillance and investigation, due diligence on transactions or clients and the use of third-party intermediaries across business units; and enhancing anti-corruption training for all management and relevant employees. Warm regards, Gunnar Larson Gunnar Larson xNY.io - Bank.org 646-454-9107 Uploaded Files FOIL Response Format Email If fees apply, please contact me if costs will be greater than $10000 Your FOIL request has been forwarded to the organization(s) you selected, and the respective Records Access Officer will contact you directly for further processing of your request. Please allow up to five business days for such communication(s). For your convenience, here is additional contact information: Department of Financial Services One State Street 20th Floor New York, NY 10004

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Re: FOIL # 2022-090627 Appeal
by Gunnar Larson 22 Feb '23

22 Feb '23

Ms. Tomczak: Thank you for the clarification. Wishing you all the best. Warm regards, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Wed, Feb 22, 2023, 11:01 AM Tomczak, Christine (DFS) < christine.tomczak(a)dfs.ny.gov> wrote: > Dear Mr. Larson, > > > > The NYDFS is the regulator of Goldman Sachs Bank, not Goldman Sachs > Investment Company that has established the One Million Black Women > program. The DFS generally does not possess records pertaining to > investments made by Goldman Sachs Investment Company unless there was some > involvement by Goldman Sachs Bank which in this case, there was not. > Therefore, the DFS does not possess any records concerning the One Million > Black Women program. The DFS may only speak about records in the DFS’s > possession and not any other NYS agency. > > > > Sincerely, > > > > > > Christine M. Tomczak > > Assistant Counsel > > > > New York State Department of Financial Services > > 1 State Street, New York, New York 10004 > > > > > > > > > > > > > > > > *From:* Gunnar Larson <g(a)xny.io> > *Sent:* Wednesday, February 22, 2023 9:47 AM > *To:* Tomczak, Christine (DFS) <christine.tomczak(a)dfs.ny.gov> > *Cc:* cypherpunks <cypherpunks(a)lists.cpunks.org> > *Subject:* Re: FOIL # 2022-090627 Appeal > > > > *ATTENTION: This email came from an external source. Do not open > attachments or click on links from unknown senders or unexpected emails.* > > > > Ms. Tomczak: > > > > We have not heard from NY-DFS on the matter of One Million Black Women > below. > > > > Would you be so kind to respond today? > > > > We are working up against a deadline as Black History Month ends next > Tuesday. > > > > Warm regards, > > > > Gunnar > > > > Gunnar Larson > > xNY.io - Bank.org > > 646-454-9107 > > > > On Tue, Jan 31, 2023, 7:51 PM Gunnar Larson <g(a)xny.io> wrote: > > Dear Ms. Tomczak: > > > > Thank you for your email. > > > > Concerning the statement, "Nevertheless, I conducted a de novo search of > the Department’s records and found that the Department does not possess any > records regarding the Goldman Sachs’s investment in the One Million Black > Women project." > > > > However, the New York City Small Business Opportunity Fund lists Goldman > Sachs and One Million Black Women as a funding sponsor: > https://sbsopportunityfund.nyc/ > <https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fsbsopport…> > . > > > > The $75M fund is the largest in New York City's history. The website > states, "The Fund was created specifically for NYC small business owners, > developed and administered by local partners – including the NYC Department > of Small Business Services (SBS), Goldman Sachs’ One Million Black Women, > Mastercard Center for Inclusive Growth, local Community Development > Financial Institutions (CDFIs – non-profit community-based financial > institutions), and local small business centers that understand your > community and customers." > > > > How would New York City know of One Million Black Women but New York State > would have no records associated? > > > > Warm regards, > > > > Gunnar > > > > Gunnar Larson > > xNY.io - Bank.org > > 646-454-9107 > > On Mon, Jan 30, 2023, 3:28 PM Tomczak, Christine (DFS) < > christine.tomczak(a)dfs.ny.gov> wrote: > > Dear Mr. Larson, > > > > See attached letter. > > > > > > Christine M. Tomczak > > Assistant Counsel > > > > New York State Department of Financial Services > > 1 State Street, New York, New York 10004 > > > > > >

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Re: FOIL # 2022-090627 Appeal
by Gunnar Larson 22 Feb '23

22 Feb '23

Dear Ms. Tomczak: Thank you for your email. Concerning the statement, "Nevertheless, I conducted a de novo search of the Department’s records and found that the Department does not possess any records regarding the Goldman Sachs’s investment in the One Million Black Women project." However, the New York City Small Business Opportunity Fund lists Goldman Sachs and One Million Black Women as a funding sponsor: https://sbsopportunityfund.nyc/. The $75M fund is the largest in New York City's history. The website states, "The Fund was created specifically for NYC small business owners, developed and administered by local partners – including the NYC Department of Small Business Services (SBS), Goldman Sachs’ One Million Black Women, Mastercard Center for Inclusive Growth, local Community Development Financial Institutions (CDFIs – non-profit community-based financial institutions), and local small business centers that understand your community and customers." How would New York City know of One Million Black Women but New York State would have no records associated? Warm regards, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Mon, Jan 30, 2023, 3:28 PM Tomczak, Christine (DFS) < christine.tomczak(a)dfs.ny.gov> wrote: > Dear Mr. Larson, > > > > See attached letter. > > > > > > Christine M. Tomczak > > Assistant Counsel > > > > New York State Department of Financial Services > > 1 State Street, New York, New York 10004 > > > > >

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Re: NY-DFS Bank Applications
by Gunnar Larson 22 Feb '23

22 Feb '23

Dr. Weintraub: Thank you for your response. I see we have a few messages from you. We greatly appreciate it. In the meantime, we will keep in touch as xNY.io - Bank.org compiles a list of directors for your esteemed review and consideration. Warm regards, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Tue, Feb 21, 2023, 1:37 PM Weintraub, Cathy (DFS) < Cathy.Weintraub(a)dfs.ny.gov> wrote: > Hi Gunnar, > > Both Joseph Alston and I are in the Applications Unit of Community & > Regional Banks-Banking Division. This issue is not related to the set of > applications that we process within this unit. > > > > *From:* Gunnar Larson <g(a)xny.io> > *Sent:* Tuesday, February 21, 2023 1:10 PM > *To:* Weintraub, Cathy (DFS) <Cathy.Weintraub(a)dfs.ny.gov> > *Cc:* cypherpunks <cypherpunks(a)lists.cpunks.org>; letitia.james(a)ag.ny.gov; > Harris, Adrienne A (DFS) <Adrienne.Harris(a)dfs.ny.gov> > *Subject:* Re: NY-DFS Bank Applications > > > > *ATTENTION: This email came from an external source. Do not open > attachments or click on links from unknown senders or unexpected emails.* > > > > Why not? > > > > On Tue, Feb 21, 2023, 9:25 AM Weintraub, Cathy (DFS) < > Cathy.Weintraub(a)dfs.ny.gov> wrote: > > This would not be something we would not comment on. > > Sent from my iPhone > > > > On Feb 20, 2023, at 8:50 AM, Gunnar Larson <g(a)xny.io> wrote: > > > > *ATTENTION: This email came from an external source. Do not open > attachments or click on links from unknown senders or unexpected emails.* > > > > Mr. Alston: > > > > Hope you are doing well. > > > > Checking in to see if you had a moment to to review xNY.io's whitepaper. > > > > We would like to engage the New York False Claims Act under urgent > pretences. Specifically, regarding a RICO barred by the five year market > manipulation statute of limitations. > > > > Please let me know what NY-DFS Bank Applications Special Projects thinks > of this approach. > > > > Warm regards, > > > > Gunnar > > > > Gunnar Larson > > xNY.io - Bank.org > > 646-454-9107 > > > > On Fri, Feb 17, 2023, 8:24 AM Gunnar Larson <g(a)xny.io> wrote: > > Dear Mr. Alston: > > > > Thank you again for our call yesterday. Congratulations on your new > special projects role at NY-DFS Bank Applications. > > > > xNY.io - Bank.org is proud to be an innovative endeavor out of New York > State. The New York False Claims Act is designed to combat false > information that can lead to marketplace manipulation. Every New Yorker has > the right to ask the State for approval to explore the New York False > Claims Act. > > > > Mr. Alston, yesterday you mentioned not having read xNY.io's whitepaper. > As such, please find it attached to this email: > https://docs.google.com/document/d/1aeK8X8-2KDZ8tQPN5ksaUCXcxH9tbjexsUbW1ol… > <https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fdocs.goog…> > . > > > > xNY.io - Bank.org would like to earn the State's approval to engage the > False Claims Act by end of week next week. Given the statute of limitations > associated with market manipulation. We feel xNY.io's whitepaper is > probably one of the best papers in the world for this sort of thing. > > > > You may have some questions about our approach. Keeping this in mind, I > will give you a call on Monday so we can discuss this more. Yes, I > understand Monday is President's Day. > > > > Wishing you a terrific weekend ahead. > > > > Thank you, > > > > Gunnar > > > > Gunnar Larson > > xNY.io - Bank.org > > 646-454-9107 > > > > On Tue, Feb 14, 2023, 8:44 PM Gunnar Larson <g(a)xny.io> wrote: > > Mr. Alston: > > > > Great to hear from you. > > > > I will call you tomorrow afternoon. > > > > Hope you are doing well. > > > > Thank you, > > > > Gunnar > > -- > > Gunnar Larson - xNY.io | Bank.org > > MSc - Digital Currency > > MBA - Entrepreneurship and Innovation (ip) > > > > G(a)xNY.io > > +1-646-454-9107 > > New York, New York 10001 > > > > > > On Tue, Feb 14, 2023, 7:35 PM Alston, Joseph (DFS) < > Joseph.Alston(a)dfs.ny.gov> wrote: > > Good Evening Mr. Larson, > > > > Thank you for reaching out to me. Feel free to call me on my cell anytime > after 1pm. We can further discuss your inquiry, thank you. > > > > > > *Joseph Alston* > > Director of Special Projects > > > > *New York State Department of Financial Services* > > One Commerce Plaza, Albany, NY 12210 > > Phone: (518) 474-8144 | Mobile: (347) 346-2287| *Joseph.Alston(a)dfs.ny.gov > <Joseph.Alston(a)dfs.ny.gov>* > > www.dfs.ny.gov > > > > > >

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Fwd: NY-DFS Bank Applications
by Gunnar Larson 22 Feb '23

22 Feb '23

---------- Forwarded message --------- From: Weintraub, Cathy (DFS) <Cathy.Weintraub(a)dfs.ny.gov> Date: Tue, Feb 21, 2023, 1:37 PM Subject: RE: NY-DFS Bank Applications To: Gunnar Larson <g(a)xny.io> Hi Gunnar, Both Joseph Alston and I are in the Applications Unit of Community & Regional Banks-Banking Division. This issue is not related to the set of applications that we process within this unit. *From:* Gunnar Larson <g(a)xny.io> *Sent:* Tuesday, February 21, 2023 1:10 PM *To:* Weintraub, Cathy (DFS) <Cathy.Weintraub(a)dfs.ny.gov> *Cc:* cypherpunks <cypherpunks(a)lists.cpunks.org>; letitia.james(a)ag.ny.gov; Harris, Adrienne A (DFS) <Adrienne.Harris(a)dfs.ny.gov> *Subject:* Re: NY-DFS Bank Applications *ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails.* Why not? On Tue, Feb 21, 2023, 9:25 AM Weintraub, Cathy (DFS) < Cathy.Weintraub(a)dfs.ny.gov> wrote: This would not be something we would not comment on. Sent from my iPhone On Feb 20, 2023, at 8:50 AM, Gunnar Larson <g(a)xny.io> wrote: *ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails.* Mr. Alston: Hope you are doing well. Checking in to see if you had a moment to to review xNY.io's whitepaper. We would like to engage the New York False Claims Act under urgent pretences. Specifically, regarding a RICO barred by the five year market manipulation statute of limitations. Please let me know what NY-DFS Bank Applications Special Projects thinks of this approach. Warm regards, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Fri, Feb 17, 2023, 8:24 AM Gunnar Larson <g(a)xny.io> wrote: Dear Mr. Alston: Thank you again for our call yesterday. Congratulations on your new special projects role at NY-DFS Bank Applications. xNY.io - Bank.org is proud to be an innovative endeavor out of New York State. The New York False Claims Act is designed to combat false information that can lead to marketplace manipulation. Every New Yorker has the right to ask the State for approval to explore the New York False Claims Act. Mr. Alston, yesterday you mentioned not having read xNY.io's whitepaper. As such, please find it attached to this email: https://docs.google.com/document/d/1aeK8X8-2KDZ8tQPN5ksaUCXcxH9tbjexsUbW1ol… <https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fdocs.goog…> . xNY.io - Bank.org would like to earn the State's approval to engage the False Claims Act by end of week next week. Given the statute of limitations associated with market manipulation. We feel xNY.io's whitepaper is probably one of the best papers in the world for this sort of thing. You may have some questions about our approach. Keeping this in mind, I will give you a call on Monday so we can discuss this more. Yes, I understand Monday is President's Day. Wishing you a terrific weekend ahead. Thank you, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Tue, Feb 14, 2023, 8:44 PM Gunnar Larson <g(a)xny.io> wrote: Mr. Alston: Great to hear from you. I will call you tomorrow afternoon. Hope you are doing well. Thank you, Gunnar -- Gunnar Larson - xNY.io | Bank.org MSc - Digital Currency MBA - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 On Tue, Feb 14, 2023, 7:35 PM Alston, Joseph (DFS) <Joseph.Alston(a)dfs.ny.gov> wrote: Good Evening Mr. Larson, Thank you for reaching out to me. Feel free to call me on my cell anytime after 1pm. We can further discuss your inquiry, thank you. *Joseph Alston* Director of Special Projects *New York State Department of Financial Services* One Commerce Plaza, Albany, NY 12210 Phone: (518) 474-8144 | Mobile: (347) 346-2287| *Joseph.Alston(a)dfs.ny.gov <Joseph.Alston(a)dfs.ny.gov>* www.dfs.ny.gov

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