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      "body": "<html>\n<p>&nbsp;Wow, over 600 followers! When I came to Steemit on July 5th (what I now refer to now as MY Independence day) I had no idea what I was getting myself into.<em>Cryptocurrency? Markdown? Whales? What?</em>This amazing community has inspired me in countless ways, it’s caused a spark in creativity like I’ve never experienced before. In two months Steemit has changed my life.I had been struggling as a writer for over two decades before I found this platform. Honestly, before this there were days where my hope was on life-support. Sometimes I even worried that I had wasted over twenty years of my life chasing a dream that would never materialize.In just two months everything has changed. I’m actively pursuing some pretty large aspirations for the Alarm Clock Dawn trilogy of novels (feature films, Netflix original series’, or independent films-if anyone has contacts or advice please let me know) and will share more information about this when I can. I’ve said it before and I’ll say it again, NEVER give up on your dreams people because you just never know when your day will come.I would like to thank each and every one of you (minnows, dolphins, orcas, and whales) for your continued support, upvotes, comments, shares. I’ll do my best to return that favor. Life is getting incredibly busy for me now, sometimes the days get away from me. I do read every single comment but if I don’t respond to each one please don’t take it personally. Your comments are the highlight of my day.Now let’s get on with this episode!Oh, I almost forgot! Who’s your favorite character so far and why? A random commenter who answers this question will receive 5 Steem dollars at the close of voting.<em>Did you miss Episode 22 of Alarm Clock Dawn? If so</em> <a href=\"https://steemit.com/story/@ericvancewalton/alarm-clock-dawn-an-original-novel-episode-22\"><em>click here</em></a> <em>to catch up.</em>Are you new to Alarm Clock Dawn? If so <a href=\"https://steemit.com/story/@ericvancewalton/alarm-clock-dawn-an-original-novel-part-1\">click here</a> to start at the beginning.<br>\n<img src=\"https://img1.steemit.com/0x0/https://s16.postimg.org/9cvphoxut/image.png\" width=\"320\" height=\"320\"/></p>\n<p>&nbsp;“This mission could take five minutes or two hours.” Busby continued. “Listen closely, this part is very important.” He pointed at a lone switch on the control console. “For the return trip, you must flip this switch, wait at least five seconds and then press this red button. That will bring you home. It's as simple as that. The most important thing is that you wait at least five whole seconds before pressing that button or else the machine won't have amassed enough power to bring you back and you’ll need to wait hours before the machine will be recharged. Now, repeat it to me.”Adam nodded and tried to swallow, but his throat was too dry. He hated to even imagine what would happen if the mission were to fail. “I f-f-flip this switch, wait five-seconds, then push this red button.”“Exactly!” Busby quickly spoke into his Holo. “We're ready. Send in the team.”Adam now felt physically sick as the events were unfolding around him a little too quickly for his liking.“Neiman, please secure Mr. Harkin in his seat.” Dr. Neiman led Adam to a large black chair, sat him down, and pulled a large harness down over his shoulders. As the buckle clicked between his knees, five of the largest and meanest looking people he had ever seen marched up the ramp and into the craft, securing themselves into the remaining seats and staring straight ahead. They all wore the stock black uniforms of XenTek security.“Two minutes to jump!” Dr. Neiman blurted out as the rest of those wearing white coats and jumpsuits exited the craft.“Jump team, this is Adam Harkin,” barked a large security team commander standing towards the back of the room. “He's going to be monitoring your helmet cams in real-time and will tell you what your targets will be during the mission. You are to carry out his orders to the letter. No questions. Got it?”“Yes, sir!” The team’s unified bark made Adam twitch. He looked up frantically at Mr. Busby. “But sir, no one told me what the targets are.”“That’s what that uncanny intuition of yours is for. Godspeed, Mr. Harkin.” Busby winked at Adam and then sped down the ramp. At the bottom, he locked eyes with Adam and slowly mouthed the words “Five seconds, three blinks” as the hatch door closed.Adam closed his eyes and nodded. He felt as though he had just been strapped into a roller coaster. His heart was beating as though it would leap out of his chest as the seconds slowed infinitely.“T-minus 30 seconds to jump,” a voice from the control room announced over the intercom as Adam began to feel as though he just might pass out.&nbsp;</p>\n<p><img src=\"https://img1.steemit.com/0x0/http://i.giphy.com/ZdT2zDh3Bvnkk.gif\" width=\"600\" height=\"300\"/></p>\n<p>&nbsp;He clawed desperately at the harness that secured him in his seat. “Five, four, three, two, jump.” Suddenly, Adam heard a muffled pop like a flashbulb, felt a slight vibration, and smelled a metallic odor in the air. The word “jump” reverberated repeatedly, fading away a little more with each echo.&nbsp;</p>\n<p><img src=\"https://img1.steemit.com/0x0/http://i.giphy.com/10tb9CK8Ohf9ao.gif\" width=\"500\" height=\"318\"/></p>\n<p>&nbsp;Strangely, he felt not a single sensation of movement, but Adam noticed that the air of the cabin was charged with so much static electricity that the hair of the other crew members was standing straight up on the tops of their heads.“Hmm, it must not have worked.” Adam said aloud. He watched as the rest of the crew quickly unlatched themselves. The largest and meanest looking of the crew powered up his Holo, smiling.“Oh, it worked as planned all right. Didn't hurt a bit!” He held the device up so Adam could read the date on the screen.“June 18, 2068,” Adam whispered in total disbelief. In what seemed like just a handful of seconds they had traveled twenty full years into the future. The team opened the hatch and quickly exited the craft as the door closed. Adam was filled with elation at being one of the first people in history to time travel.His curiosity then began to nag at him. Adam wasn't going to just sit here and wait. He slid his Holo out of this pocket and switched on his favorite news program, “World Wise.” He noticed that the anchors had aged considerably. They each wore a tinted lens that came down over one eye and looked as if makeup was caked on a little more than usual.Adam’s eyes were drawn to the news crawl that ran across the bottom of the screen, it read:<em>Millions moved into detainment camps by the government for their own well-being as violent riots erupt in protest of rising hunger, lack of clean water, and affordable housing. . .</em> ------------&gt;<em>Devastating storms continue to cripple the coasts as sea levels rise by nearly two feet, “a crisis of unimaginable proportion,” declares “World Wise” senior reporter Tristan Mack . . .</em> ---------&gt;<em>XenTek stock continues to soar nine months after its unveiling its implantable computer module, fully integrating human biology and technology . . .</em> ------------------&gt;<em>Military personnel are being applauded as great heroes for seizing control of the last 500 acres of rainforest held by the rogue environmental group “Planet Keepers.” This valuable land will soon be cleared for farmland in the battle to keep pace with rising world hunger</em> . . . .&gt;Adam was transfixed by the stark images of detainees that flashed across the screen. Most were extremely thin and dirty, frayed ends of their tattered clothes blowing in the wind as they were herded like cattle into the camps by the thousands.Adam was shaken to his core as all of his previous fears from the past few months came to fruition right before his eyes. This was where the world he knew was headed and in only twenty years’ time.Adam was stunned by the desperation of these news headlines. He looked up at the bank of monitors that displayed the video feeds from the different security team members' helmet cams, their faces appeared in a smaller screen to the bottom left of each of the five video feeds. Suddenly he noticed that three of the five feeds went blank, quickly one right after another.&nbsp;</p>\n<p><img src=\"https://img1.steemit.com/0x0/http://i.giphy.com/hCnLJqJlA1OTe.gif\" width=\"320\" height=\"240\"/></p>\n<p>&nbsp;Adam spoke into the microphone of his headset, “Hey, are you guys all right?” he asked, speaking into the microphone of his headset. Silence was all he heard in return.&nbsp;</p>\n<p><img src=\"https://img1.steemit.com/0x0/https://s18.postimg.org/9phdrughl/TBC.png\" width=\"640\" height=\"640\"/></p>\n<p>&nbsp;<em>Alarm Clock Dawn is the first novel of a trilogy. The sequel entitled, Truth Is Stranger, will be published in the Spring of 2017.</em>Please visit <a href=\"http://www.ericvancewalton.net/\">my website</a> to sign up for my author newsletter. My newsletter subscribers will receive exclusive updates on the release of the sequel and other special offers.If you’re enjoying this serialized version of my debut novel the best compliment you can give is to share this story with others, either face-to-face or online. I appreciate all of your continued support!&nbsp;</p>\n</html>",
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      "body": "<html>\n<p><img src=\"https://scontent.fbkk5-2.fna.fbcdn.net/v/t34.0-12/14249160_1753973804882941_1313930170_n.jpg?oh=562613f60dd4700f8c42242317cf65cb&amp;oe=57D4C111\" width=\"960\" height=\"623\"/></p>\n<p>&nbsp;Los Angeles City Attorney Mike Feuer, third from left at podium, with members of his office legal team, comments on a lawsuit filed against Wells Fargo Bank, during a news conference in May 2015. On Thursday, Feuer and federal bank regulators announced $185 million in fines against Wells Fargo in connection with employees secretly opening customer accounts. <strong>Damian Dovarganes</strong> AP</p>\n<p>&nbsp;BY DEON ROBERTS AND RICK ROTHACKER&nbsp;</p>\n<p>&nbsp;Wells Fargo will pay $185 million to settle allegations of “widespread illegal practices” in which employees secretly opened accounts to meet sales targets and receive bonuses, federal regulators announced Thursday.Employees for the San Francisco-based bank opened more than 2 million deposit and credit card accounts that may not have been authorized by consumers, regulators said, citing the bank’s own analysis. The civil settlement is a black eye for a company that has long touted its corporate values as well as its ability to sell more products to its customer base.Wells Fargo’s violations resulted in the Consumer Financial Protection Bureau imposing a $100 million fine, the regulator’s largest penalty ever. Wells will also pay a $35 million penalty to the U.S. Office of the Comptroller of the Currency, which regulates national banks, and another $50 million to the City and County of Los Angeles, which had filed suit over the practices.The nation’s third-largest bank by assets created an incentive program for employees that allowed them to carry out “underhanded sales practices,” and then apparently did a poor job of monitoring its staff, CFPB Director Richard Cordray said in a call with reporters.“Today’s action should serve notice to the entire industry that financial incentive programs, if not monitored carefully, carry serious risks that can have serious legal consequences,” Cordray said.The conduct at Wells, which affected hundreds of thousands of customers, was not confined to one state or region, Jeff Ehrlich, deputy enforcement director at the CFPB, said.During the agency’s examination, the bank fired about 5,300 employees for such conduct, he said.Under the settlement, Wells must provide $5 million to customers to cover any unnecessary charges or fees they incurred.Los Angeles City Attorney Mike Feuer said his office began investigating Wells Fargo after a 2013 Los Angeles Times story on the bank’s sales practices. That probe led to a lawsuit accusing the bank of high-pressure sales goals that encouraged unfair, illegal and fraudulent conduct, such as issuing unwanted credit cards to customers.The case centered on cross-selling, a practice used by Wells Fargo and some other banks to get existing customers to buy more products.<a href=\"http://www.charlotteobserver.com/news/business/banking/bank-watch-blog/article47196755.html\">[Related: More scrutiny for Wells Fargo’s sales culture]</a>“It’s a major breach of trust if a bank transfers funds without the consent of consumers from an existing account to an unauthorized one,” Feuer said. “Any consumer should be outraged by that conduct.”In reaching Thursday’s accord, Wells Fargo did not admit or deny allegations.In a statement Thursday, the bank said it “reached these agreements consistent with our commitment to customers and in the interest of putting this matter behind us.”The bank also said it is “committed to putting our customers’ interests first 100 percent of the time, and we regret and take responsibility for any instances where customers may have received a product that they did not request.”Wells Fargo said it has taken steps to address the regulators’ concerns, including undertaking an extensive review going back to 2011 of consumer and small-business retail banking deposit accounts and unsecured credit cards opened during that period. A third-party consulting firm completed the review prior to the settlements, the bank said.As a result of the review, the bank said it has refunded $2.6 million to customers for fees associated with products they may not have requested. Refunds averaged $25.The CFPB’s action Thursday was the latest against Wells Fargo. Last month, <a href=\"http://www.charlotteobserver.com/news/business/banking/bank-watch-blog/article97159412.html\">the agency fined the bank about $4 million</a> in relief and civil penalties for illegal fees and other practices tied to the bank’s servicing of private student loans.</p>\n<h3><strong>Incentives face scrutiny</strong></h3>\n<p>Wells Fargo entered eastern U.S. markets in 2008, when it bought Charlotte-based Wachovia. It has its largest employee base in Charlotte, with more than 23,000 employees, and it’s the second largest bank in the metro area by deposits.In July, <a href=\"http://www.charlotteobserver.com/news/business/banking/article89190417.html\">the bank named Mary Mack</a>, a Charlotte-based former Wachovia executive, to lead its community banking group, succeeding Carrie Tolstedt. The bank said Tolstedt had decided to retire at the end of the year.In recent years, Wells Fargo has sought to distinguish itself in the marketplace as a leader in cross-selling, regulators said Thursday. The bank, unlike some of its peers, highlights its cross-selling prowess by disclosing each quarter how many products its customers have per household. The bank has also used slogans like “Eight is Great” to further emphasize its cross-selling push.On Thursday, regulators said cross-selling is a common and accepted business practice, when based on strong customer satisfaction and excellent customer service. But, they said, Wells Fargo failed to monitor implementation of its compensation incentive programs with adequate care.Cordray said the agency has seen similar problems spurred by incentive compensations programs in debt collection and in credit card add-on products in the banking industry.“This is something that we will continue to look very carefully at,” he said.<br>\nRead more here: http://www.charlotteobserver.com/news/business/banking/article100499067.html#storylink=cpy&nbsp;</p>\n</html>",
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