<article>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#article10_02_07_1830222</id>
	<title>Paypal Reverses Payments Made To Indians</title>
	<author>kdawson</author>
	<datestamp>1265570340000</datestamp>
	<htmltext>bhagwad writes <i>"Beginning January 28, Paypal has been <a href="http://www.msnbc.msn.com/id/35280841/ns/business-world\_business/">reversing the payments made to any Indian provider of services</a>. In addition, Indian users have been unable to withdraw their money to their bank accounts. As a result, a large number of Indian Paypal accounts have negative balances running into the thousands of dollars. The worst part is that users weren't informed beforehand &mdash; the funds were just whisked away. Indian providers have gone ballistic, with over 2,000 posts on a thread <a href="http://forums.digitalpoint.com/showthread.php?t=1681660">on the reversal of payments</a> and over 700 posts on this thread <a href="http://forums.digitalpoint.com/showthread.php?t=1677414">about the delay in transfers</a>. Paypal hasn't given any explanation to this behavior other than <a href="https://www.thepaypalblog.com/2010/02/personal-payments-and-local-bank-transfers-in-india/">they're looking into it</a>. Although Paypal claims in the above blog post that payments made for 'Services' are not being reversed, this is not true. All payments not made for 'Goods' with a shipping address have been reversed &mdash; in fact, the Paypal e-mail tells the Indian sellers to encourage their clients to lie and claim that they're paying for goods with a shipping address instead."</i></htmltext>
<tokenext>bhagwad writes " Beginning January 28 , Paypal has been reversing the payments made to any Indian provider of services .
In addition , Indian users have been unable to withdraw their money to their bank accounts .
As a result , a large number of Indian Paypal accounts have negative balances running into the thousands of dollars .
The worst part is that users were n't informed beforehand    the funds were just whisked away .
Indian providers have gone ballistic , with over 2,000 posts on a thread on the reversal of payments and over 700 posts on this thread about the delay in transfers .
Paypal has n't given any explanation to this behavior other than they 're looking into it .
Although Paypal claims in the above blog post that payments made for 'Services ' are not being reversed , this is not true .
All payments not made for 'Goods ' with a shipping address have been reversed    in fact , the Paypal e-mail tells the Indian sellers to encourage their clients to lie and claim that they 're paying for goods with a shipping address instead .
"</tokentext>
<sentencetext>bhagwad writes "Beginning January 28, Paypal has been reversing the payments made to any Indian provider of services.
In addition, Indian users have been unable to withdraw their money to their bank accounts.
As a result, a large number of Indian Paypal accounts have negative balances running into the thousands of dollars.
The worst part is that users weren't informed beforehand — the funds were just whisked away.
Indian providers have gone ballistic, with over 2,000 posts on a thread on the reversal of payments and over 700 posts on this thread about the delay in transfers.
Paypal hasn't given any explanation to this behavior other than they're looking into it.
Although Paypal claims in the above blog post that payments made for 'Services' are not being reversed, this is not true.
All payments not made for 'Goods' with a shipping address have been reversed — in fact, the Paypal e-mail tells the Indian sellers to encourage their clients to lie and claim that they're paying for goods with a shipping address instead.
"</sentencetext>
</article>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31058122</id>
	<title>UWS</title>
	<author>Twinbee</author>
	<datestamp>1265566020000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I wonder how many billions (trillions?) of pounds everyone would save if we all used a reliable, fast, non-profit bank which worked universally, and with a single universal currency to boot. It would be so efficient, that payment transfer would be economical even at a fraction of a penny.</p><p>In this electronic age, this should be easy. Oh I forgot - UWS. Otherwise known as: "Unnecessary Work Syndrome".</p></htmltext>
<tokenext>I wonder how many billions ( trillions ?
) of pounds everyone would save if we all used a reliable , fast , non-profit bank which worked universally , and with a single universal currency to boot .
It would be so efficient , that payment transfer would be economical even at a fraction of a penny.In this electronic age , this should be easy .
Oh I forgot - UWS .
Otherwise known as : " Unnecessary Work Syndrome " .</tokentext>
<sentencetext>I wonder how many billions (trillions?
) of pounds everyone would save if we all used a reliable, fast, non-profit bank which worked universally, and with a single universal currency to boot.
It would be so efficient, that payment transfer would be economical even at a fraction of a penny.In this electronic age, this should be easy.
Oh I forgot - UWS.
Otherwise known as: "Unnecessary Work Syndrome".</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054204</id>
	<title>Re:Banking Reform</title>
	<author>Anonymous</author>
	<datestamp>1265575920000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Banking reform in the US should include subjecting PayPal to all the rules and regulations that apply to banks. I find it strange how they've managed to avoid being classed as a bank all these years in the first place. Current regulations leave a lot to be desired, but making PayPal adhere to them would be a good first step.</p></div><p>Why should they be a bank? Their primary purpose is enabling transactions not the usual roles of banks. And to be honest, I see no point to treating banks like they are treated in the US. While such regulation delays the mean time between failure for banks, it does so by increasing the size of failures when they occur.</p></div>
	</htmltext>
<tokenext>Banking reform in the US should include subjecting PayPal to all the rules and regulations that apply to banks .
I find it strange how they 've managed to avoid being classed as a bank all these years in the first place .
Current regulations leave a lot to be desired , but making PayPal adhere to them would be a good first step.Why should they be a bank ?
Their primary purpose is enabling transactions not the usual roles of banks .
And to be honest , I see no point to treating banks like they are treated in the US .
While such regulation delays the mean time between failure for banks , it does so by increasing the size of failures when they occur .</tokentext>
<sentencetext>Banking reform in the US should include subjecting PayPal to all the rules and regulations that apply to banks.
I find it strange how they've managed to avoid being classed as a bank all these years in the first place.
Current regulations leave a lot to be desired, but making PayPal adhere to them would be a good first step.Why should they be a bank?
Their primary purpose is enabling transactions not the usual roles of banks.
And to be honest, I see no point to treating banks like they are treated in the US.
While such regulation delays the mean time between failure for banks, it does so by increasing the size of failures when they occur.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31053998</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31059932</id>
	<title>Blame RBI, not Paypal</title>
	<author>Anonymous</author>
	<datestamp>1265640000000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Speaking as someone who had no choice but to use paypal to transfer money out of India, thanks to the Indian govt's byzantine regulations, I'd say there are times when it's good to have a service that evades regulation. Trying to transfer money out via international bank transfers took 8 months struggling, with no results. Transferring money via paypal - despite the poor customer service and random account freezing - took only 2 months. The solution is for the Indians affected by this to pressure their government to cut the red tape and ease currency restrictions.</htmltext>
<tokenext>Speaking as someone who had no choice but to use paypal to transfer money out of India , thanks to the Indian govt 's byzantine regulations , I 'd say there are times when it 's good to have a service that evades regulation .
Trying to transfer money out via international bank transfers took 8 months struggling , with no results .
Transferring money via paypal - despite the poor customer service and random account freezing - took only 2 months .
The solution is for the Indians affected by this to pressure their government to cut the red tape and ease currency restrictions .</tokentext>
<sentencetext>Speaking as someone who had no choice but to use paypal to transfer money out of India, thanks to the Indian govt's byzantine regulations, I'd say there are times when it's good to have a service that evades regulation.
Trying to transfer money out via international bank transfers took 8 months struggling, with no results.
Transferring money via paypal - despite the poor customer service and random account freezing - took only 2 months.
The solution is for the Indians affected by this to pressure their government to cut the red tape and ease currency restrictions.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054416</id>
	<title>Re:Paypal is not a bank</title>
	<author>Anonymous</author>
	<datestamp>1265534460000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Banks, in the US at least, haven&rsquo;t created money since 1935. That job goes to the Federal Reserve. If you&rsquo;re referring to creating money through investments, well, PayPal has a money market too.</p></htmltext>
<tokenext>Banks , in the US at least , haven    t created money since 1935 .
That job goes to the Federal Reserve .
If you    re referring to creating money through investments , well , PayPal has a money market too .</tokentext>
<sentencetext>Banks, in the US at least, haven’t created money since 1935.
That job goes to the Federal Reserve.
If you’re referring to creating money through investments, well, PayPal has a money market too.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054282</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054026</id>
	<title>Happened to me ..</title>
	<author>Anonymous</author>
	<datestamp>1265574600000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>A few years back PayPal had closed my account without warning.  It locked about $400 in it.  It took about a week for them to finally tell me what was up, and they told me I'd have to wait up to 180 days to receive these funds.  It took way longer, but I finally got my check.  I'm never going to use PayPal again.</htmltext>
<tokenext>A few years back PayPal had closed my account without warning .
It locked about $ 400 in it .
It took about a week for them to finally tell me what was up , and they told me I 'd have to wait up to 180 days to receive these funds .
It took way longer , but I finally got my check .
I 'm never going to use PayPal again .</tokentext>
<sentencetext>A few years back PayPal had closed my account without warning.
It locked about $400 in it.
It took about a week for them to finally tell me what was up, and they told me I'd have to wait up to 180 days to receive these funds.
It took way longer, but I finally got my check.
I'm never going to use PayPal again.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054642</id>
	<title>Re:Banking Reform</title>
	<author>GoodNicksAreTaken</author>
	<datestamp>1265536140000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext>Wal-mart would fight this type of regulation to the death as they want all the profitability of offering banking services without all of the regulation and they have the deep pockets to prevent the type of regulation that both Paypal and Wal-mart ought to fall under.</htmltext>
<tokenext>Wal-mart would fight this type of regulation to the death as they want all the profitability of offering banking services without all of the regulation and they have the deep pockets to prevent the type of regulation that both Paypal and Wal-mart ought to fall under .</tokentext>
<sentencetext>Wal-mart would fight this type of regulation to the death as they want all the profitability of offering banking services without all of the regulation and they have the deep pockets to prevent the type of regulation that both Paypal and Wal-mart ought to fall under.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31053998</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055314</id>
	<title>Re:Banking Reform</title>
	<author>jonwil</author>
	<datestamp>1265540520000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>The problem with PayPal being treated as a bank is that they would then be subject to ALL the rules that go with being a bank. Most notably they would be subject to the rules that require a proper identity check before you can sign up for an account. (those rules differ from country to country of course but in Australia you have to show several pieces of ID)</p><p>Doing a proper identity check for everyone (and not just those who paypal decides may be doing something suspicious) is expensive for a company based purely online.</p></htmltext>
<tokenext>The problem with PayPal being treated as a bank is that they would then be subject to ALL the rules that go with being a bank .
Most notably they would be subject to the rules that require a proper identity check before you can sign up for an account .
( those rules differ from country to country of course but in Australia you have to show several pieces of ID ) Doing a proper identity check for everyone ( and not just those who paypal decides may be doing something suspicious ) is expensive for a company based purely online .</tokentext>
<sentencetext>The problem with PayPal being treated as a bank is that they would then be subject to ALL the rules that go with being a bank.
Most notably they would be subject to the rules that require a proper identity check before you can sign up for an account.
(those rules differ from country to country of course but in Australia you have to show several pieces of ID)Doing a proper identity check for everyone (and not just those who paypal decides may be doing something suspicious) is expensive for a company based purely online.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31053998</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054510</id>
	<title>Re:Banking Reform</title>
	<author>nospam007</author>
	<datestamp>1265535300000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>"Why should they be a bank?"</p><p>They have been a bank for years based here in Luxembourg, because here the VAT is the lowest.</p></htmltext>
<tokenext>" Why should they be a bank ?
" They have been a bank for years based here in Luxembourg , because here the VAT is the lowest .</tokentext>
<sentencetext>"Why should they be a bank?
"They have been a bank for years based here in Luxembourg, because here the VAT is the lowest.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054204</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31060738</id>
	<title>In this scenario...</title>
	<author>d34dluk3</author>
	<datestamp>1265646240000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Paypal is the Indian giver.</htmltext>
<tokenext>Paypal is the Indian giver .</tokentext>
<sentencetext>Paypal is the Indian giver.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054020</id>
	<title>Due to RBI regulations</title>
	<author>Anonymous</author>
	<datestamp>1265574540000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>5</modscore>
	<htmltext>This is due to some change in the regulations by the Reserve Bank of India (RBI) regarding offshore money transfers.
I read somewhere that RBI is demanding some documents form PayPal to make them eligible to transfer money to and from Indian Banks. Apparently PayPal hasn't been able to furnish those documents.</htmltext>
<tokenext>This is due to some change in the regulations by the Reserve Bank of India ( RBI ) regarding offshore money transfers .
I read somewhere that RBI is demanding some documents form PayPal to make them eligible to transfer money to and from Indian Banks .
Apparently PayPal has n't been able to furnish those documents .</tokentext>
<sentencetext>This is due to some change in the regulations by the Reserve Bank of India (RBI) regarding offshore money transfers.
I read somewhere that RBI is demanding some documents form PayPal to make them eligible to transfer money to and from Indian Banks.
Apparently PayPal hasn't been able to furnish those documents.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31053998</id>
	<title>Banking Reform</title>
	<author>Anonymous</author>
	<datestamp>1265574300000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>5</modscore>
	<htmltext><p>Banking reform in the US should include subjecting PayPal to all the rules and regulations that apply to banks. I find it strange how they've managed to avoid being classed as a bank all these years in the first place. Current regulations leave a lot to be desired, but making PayPal adhere to them would be a good first step.</p></htmltext>
<tokenext>Banking reform in the US should include subjecting PayPal to all the rules and regulations that apply to banks .
I find it strange how they 've managed to avoid being classed as a bank all these years in the first place .
Current regulations leave a lot to be desired , but making PayPal adhere to them would be a good first step .</tokentext>
<sentencetext>Banking reform in the US should include subjecting PayPal to all the rules and regulations that apply to banks.
I find it strange how they've managed to avoid being classed as a bank all these years in the first place.
Current regulations leave a lot to be desired, but making PayPal adhere to them would be a good first step.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054238</id>
	<title>Paypal Sucks</title>
	<author>Anonymous</author>
	<datestamp>1265576280000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>3</modscore>
	<htmltext><p>http://www.paypalsucks.com/</p><p>I got burned by these bozos once.  Make sure you read the terms and conditions carefully.  They refund only under very tight circumstances.  If there was an alternative, i'd use them instead.<br>I had no problems on about 50 transactions<nobr> <wbr></nobr>... I got bitten for several hundred dollars once...</p><p>Seriously, PayPal sucks...</p></htmltext>
<tokenext>http : //www.paypalsucks.com/I got burned by these bozos once .
Make sure you read the terms and conditions carefully .
They refund only under very tight circumstances .
If there was an alternative , i 'd use them instead.I had no problems on about 50 transactions ... I got bitten for several hundred dollars once...Seriously , PayPal sucks.. .</tokentext>
<sentencetext>http://www.paypalsucks.com/I got burned by these bozos once.
Make sure you read the terms and conditions carefully.
They refund only under very tight circumstances.
If there was an alternative, i'd use them instead.I had no problems on about 50 transactions ... I got bitten for several hundred dollars once...Seriously, PayPal sucks...</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31056390</id>
	<title>Re:Due to RBI regulations</title>
	<author>Blakey Rat</author>
	<datestamp>1265549460000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>The real problem is... if this is the case, why isn't Paypal telling their CUSTOMERS about it? Hell, they could (potentially) get a lot of support against the government if their customers start writing representatives... and in any case, just suspending service with no reason or excuse given is rotten customer service.</p><p>Every big company eventually has an administrative problem which will affect customers, you can't really fault them for that. But the customer service reaction here is terrible.</p></htmltext>
<tokenext>The real problem is... if this is the case , why is n't Paypal telling their CUSTOMERS about it ?
Hell , they could ( potentially ) get a lot of support against the government if their customers start writing representatives... and in any case , just suspending service with no reason or excuse given is rotten customer service.Every big company eventually has an administrative problem which will affect customers , you ca n't really fault them for that .
But the customer service reaction here is terrible .</tokentext>
<sentencetext>The real problem is... if this is the case, why isn't Paypal telling their CUSTOMERS about it?
Hell, they could (potentially) get a lot of support against the government if their customers start writing representatives... and in any case, just suspending service with no reason or excuse given is rotten customer service.Every big company eventually has an administrative problem which will affect customers, you can't really fault them for that.
But the customer service reaction here is terrible.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054020</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054182</id>
	<title>Yet another reason</title>
	<author>Anonymous</author>
	<datestamp>1265575740000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>3</modscore>
	<htmltext><p>Why PayPal needs to be regulated as a bank, and why I refuse to use it.</p></htmltext>
<tokenext>Why PayPal needs to be regulated as a bank , and why I refuse to use it .</tokentext>
<sentencetext>Why PayPal needs to be regulated as a bank, and why I refuse to use it.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054286</id>
	<title>Wouldn't it be deliciously ironic...</title>
	<author>epp\_b</author>
	<datestamp>1265533500000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>...if this were all down to poor programming done by Indian outsourcers?</htmltext>
<tokenext>...if this were all down to poor programming done by Indian outsourcers ?</tokentext>
<sentencetext>...if this were all down to poor programming done by Indian outsourcers?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054420</id>
	<title>Re:Banking Reform</title>
	<author>YrWrstNtmr</author>
	<datestamp>1265534520000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>4</modscore>
	<htmltext><i>Why should they be a bank? Their primary purpose is enabling transactions not the usual roles of banks.</i> <br> <br>They hold user accounts - you can keep money there.<br>PayPal <a href="http://www.paypal.com/cgi-bin/webscr?cmd=xpt/cps/general/PayLaterWithPBC-outside" title="paypal.com">credit</a> [paypal.com] <br>PayPal <a href="https://www.paypal.com/us/cgi-bin/webscr?cmd=\_upgrade-interest-marcom&amp;outside=1" title="paypal.com">Money Market funds.</a> [paypal.com]
<br> <br>Sure smells like a bank to me.</htmltext>
<tokenext>Why should they be a bank ?
Their primary purpose is enabling transactions not the usual roles of banks .
They hold user accounts - you can keep money there.PayPal credit [ paypal.com ] PayPal Money Market funds .
[ paypal.com ] Sure smells like a bank to me .</tokentext>
<sentencetext>Why should they be a bank?
Their primary purpose is enabling transactions not the usual roles of banks.
They hold user accounts - you can keep money there.PayPal credit [paypal.com] PayPal Money Market funds.
[paypal.com]
 Sure smells like a bank to me.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054204</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054080</id>
	<title>My theory</title>
	<author>wealthychef</author>
	<datestamp>1265574960000</datestamp>
	<modclass>Funny</modclass>
	<modscore>5</modscore>
	<htmltext>I think PayPal is run by cowboys.</htmltext>
<tokenext>I think PayPal is run by cowboys .</tokentext>
<sentencetext>I think PayPal is run by cowboys.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054126</id>
	<title>Obligatory Insensitive Post</title>
	<author>Anonymous</author>
	<datestamp>1265575320000</datestamp>
	<modclass>Troll</modclass>
	<modscore>-1</modscore>
	<htmltext><a href="http://en.wikipedia.org/wiki/Indian\_giver" title="wikipedia.org" rel="nofollow">http://en.wikipedia.org/wiki/Indian\_giver</a> [wikipedia.org]</htmltext>
<tokenext>http : //en.wikipedia.org/wiki/Indian \ _giver [ wikipedia.org ]</tokentext>
<sentencetext>http://en.wikipedia.org/wiki/Indian\_giver [wikipedia.org]</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054276</id>
	<title>American Express</title>
	<author>Anonymous</author>
	<datestamp>1265533440000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Them too</p></htmltext>
<tokenext>Them too</tokentext>
<sentencetext>Them too</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31053998</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31058800</id>
	<title>apu accent</title>
	<author>thesappho</author>
	<datestamp>1265662200000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>is it just me or do you read the posts from apu's mouth?<br>(take no offense)</p></htmltext>
<tokenext>is it just me or do you read the posts from apu 's mouth ?
( take no offense )</tokentext>
<sentencetext>is it just me or do you read the posts from apu's mouth?
(take no offense)</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055584</id>
	<title>Re:Banking Reform</title>
	<author>phoenix321</author>
	<datestamp>1265542260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Any operator who transfers, accepts, exchanges, holds, lends, saves money on behalf of someone else is a bank, if the operator's funds and the transferred funds coalesce for a fraction of a second.</p><p>Any operator who does the same without coalesced funds is a courier.</p><p>(IMHO)</p><p>Both need to be tightly regulated: operating with other people's money needs to be as reliable as guarding nuclear weapons.</p></htmltext>
<tokenext>Any operator who transfers , accepts , exchanges , holds , lends , saves money on behalf of someone else is a bank , if the operator 's funds and the transferred funds coalesce for a fraction of a second.Any operator who does the same without coalesced funds is a courier .
( IMHO ) Both need to be tightly regulated : operating with other people 's money needs to be as reliable as guarding nuclear weapons .</tokentext>
<sentencetext>Any operator who transfers, accepts, exchanges, holds, lends, saves money on behalf of someone else is a bank, if the operator's funds and the transferred funds coalesce for a fraction of a second.Any operator who does the same without coalesced funds is a courier.
(IMHO)Both need to be tightly regulated: operating with other people's money needs to be as reliable as guarding nuclear weapons.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054374</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055774</id>
	<title>Re:Happened to me ..</title>
	<author>1s44c</author>
	<datestamp>1265543700000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>A few years back PayPal had closed my account without warning.  It locked about $400 in it.  It took about a week for them to finally tell me what was up, and they told me I'd have to wait up to 180 days to receive these funds.  It took way longer, but I finally got my check.  I'm never going to use PayPal again.</p></div><p>Count yourself lucky. Most people don't get the cheque.</p></div>
	</htmltext>
<tokenext>A few years back PayPal had closed my account without warning .
It locked about $ 400 in it .
It took about a week for them to finally tell me what was up , and they told me I 'd have to wait up to 180 days to receive these funds .
It took way longer , but I finally got my check .
I 'm never going to use PayPal again.Count yourself lucky .
Most people do n't get the cheque .</tokentext>
<sentencetext>A few years back PayPal had closed my account without warning.
It locked about $400 in it.
It took about a week for them to finally tell me what was up, and they told me I'd have to wait up to 180 days to receive these funds.
It took way longer, but I finally got my check.
I'm never going to use PayPal again.Count yourself lucky.
Most people don't get the cheque.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054026</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054322</id>
	<title>Does this make PayPal</title>
	<author>Anonymous</author>
	<datestamp>1265533800000</datestamp>
	<modclass>Troll</modclass>
	<modscore>-1</modscore>
	<htmltext><p>an Indian giver?</p></htmltext>
<tokenext>an Indian giver ?</tokentext>
<sentencetext>an Indian giver?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31056782</id>
	<title>This is due to money laundering / fraud</title>
	<author>Anonymous</author>
	<datestamp>1265552940000</datestamp>
	<modclass>Troll</modclass>
	<modscore>0</modscore>
	<htmltext><p>I mean come on, does anything good EVER come out from India? sigh....</p></htmltext>
<tokenext>I mean come on , does anything good EVER come out from India ?
sigh... .</tokentext>
<sentencetext>I mean come on, does anything good EVER come out from India?
sigh....</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054020</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055442</id>
	<title>Re:Banking Reform</title>
	<author>Anonymous</author>
	<datestamp>1265541300000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><i>Paypal's primary purpose is more like that of American Express than a bank,</i></p><p>Actually, in many countries (including Canada), Amex IS a bank, and fully regulated like all the other banks.</p></htmltext>
<tokenext>Paypal 's primary purpose is more like that of American Express than a bank,Actually , in many countries ( including Canada ) , Amex IS a bank , and fully regulated like all the other banks .</tokentext>
<sentencetext>Paypal's primary purpose is more like that of American Express than a bank,Actually, in many countries (including Canada), Amex IS a bank, and fully regulated like all the other banks.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054374</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055328</id>
	<title>Re:Banking Reform</title>
	<author>Anonymous</author>
	<datestamp>1265540580000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I think people are forgetting the fact that to cash a check from the US, anywhere in the world, there is a 7 day hold. Hence paypal is faster. There is no viable way of sending a payment from the US to someone outside the US except via paypal.</p></htmltext>
<tokenext>I think people are forgetting the fact that to cash a check from the US , anywhere in the world , there is a 7 day hold .
Hence paypal is faster .
There is no viable way of sending a payment from the US to someone outside the US except via paypal .</tokentext>
<sentencetext>I think people are forgetting the fact that to cash a check from the US, anywhere in the world, there is a 7 day hold.
Hence paypal is faster.
There is no viable way of sending a payment from the US to someone outside the US except via paypal.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054374</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31056504</id>
	<title>Re:My theory</title>
	<author>A nonymous Coward</author>
	<datestamp>1265550540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Neal?  Is that you?</p></htmltext>
<tokenext>Neal ?
Is that you ?</tokentext>
<sentencetext>Neal?
Is that you?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054080</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054130</id>
	<title>Re:Due to RBI regulations</title>
	<author>iammani</author>
	<datestamp>1265575320000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>4</modscore>
	<htmltext>Of course. Paypal has to be registered with the RBI to make forex (foreign exchange) transfers. Every time someone converts rupees in dollars or vice-versa, the source and destination of transfer and reason have to made available to the RBI.<br> <br>

Apart from these, Paypal would also be subjected to regulations governing these transactions.<br> <br>

The problem is Paypal doesnt want to be regulated as bank but wants to be able to perform what banks do. And this does not go well with the RBI.</htmltext>
<tokenext>Of course .
Paypal has to be registered with the RBI to make forex ( foreign exchange ) transfers .
Every time someone converts rupees in dollars or vice-versa , the source and destination of transfer and reason have to made available to the RBI .
Apart from these , Paypal would also be subjected to regulations governing these transactions .
The problem is Paypal doesnt want to be regulated as bank but wants to be able to perform what banks do .
And this does not go well with the RBI .</tokentext>
<sentencetext>Of course.
Paypal has to be registered with the RBI to make forex (foreign exchange) transfers.
Every time someone converts rupees in dollars or vice-versa, the source and destination of transfer and reason have to made available to the RBI.
Apart from these, Paypal would also be subjected to regulations governing these transactions.
The problem is Paypal doesnt want to be regulated as bank but wants to be able to perform what banks do.
And this does not go well with the RBI.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054020</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054374</id>
	<title>Re:Banking Reform</title>
	<author>Tacvek</author>
	<datestamp>1265534100000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>4</modscore>
	<htmltext><p>What Paypal does is actually very similar to what many banks do at least from the user's perspective. Both hold money in accounts, and provide ways to transfer money. Banks provide checks and debit cards for this purpose.</p><p>I will admit that Paypal does not offer loans, nor does it over things like savings accounts, but from a user experience they are very similar to a bank where they have only a checking account.</p><p>If Paypal does not bother to invest the money sitting dormant in accounts, then many regulations would have only minimal impact on them, since they would be keeping full reserves rather than fractional reserves. The regulations we really want are those that prevent banks from freezing accounts for no valid reason, and from interfering with valid transactions. The procedures already in place for banks on both of these points would really help protect users.</p><p>I will admit though that overall Paypal's primary purpose is more like that of American Express than a bank, but the way they do it is debit based rather than credit based, meaning a whole bunch of regulations that would not apply to AmEx could be applicable.</p></htmltext>
<tokenext>What Paypal does is actually very similar to what many banks do at least from the user 's perspective .
Both hold money in accounts , and provide ways to transfer money .
Banks provide checks and debit cards for this purpose.I will admit that Paypal does not offer loans , nor does it over things like savings accounts , but from a user experience they are very similar to a bank where they have only a checking account.If Paypal does not bother to invest the money sitting dormant in accounts , then many regulations would have only minimal impact on them , since they would be keeping full reserves rather than fractional reserves .
The regulations we really want are those that prevent banks from freezing accounts for no valid reason , and from interfering with valid transactions .
The procedures already in place for banks on both of these points would really help protect users.I will admit though that overall Paypal 's primary purpose is more like that of American Express than a bank , but the way they do it is debit based rather than credit based , meaning a whole bunch of regulations that would not apply to AmEx could be applicable .</tokentext>
<sentencetext>What Paypal does is actually very similar to what many banks do at least from the user's perspective.
Both hold money in accounts, and provide ways to transfer money.
Banks provide checks and debit cards for this purpose.I will admit that Paypal does not offer loans, nor does it over things like savings accounts, but from a user experience they are very similar to a bank where they have only a checking account.If Paypal does not bother to invest the money sitting dormant in accounts, then many regulations would have only minimal impact on them, since they would be keeping full reserves rather than fractional reserves.
The regulations we really want are those that prevent banks from freezing accounts for no valid reason, and from interfering with valid transactions.
The procedures already in place for banks on both of these points would really help protect users.I will admit though that overall Paypal's primary purpose is more like that of American Express than a bank, but the way they do it is debit based rather than credit based, meaning a whole bunch of regulations that would not apply to AmEx could be applicable.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054204</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31057922</id>
	<title>Re:</title>
	<author>clint999</author>
	<datestamp>1265563800000</datestamp>
	<modclass>None</modclass>
	<modscore>-1</modscore>
	<htmltext><blockquote><div><p>Unless you transfer to a bank outside Australia, CBA charges $25AUD to send money to a US based bank or NZ based bank.

(For non Aussies, CBA = Commonwealth Bank of Australia)</p></div></blockquote></div>
	</htmltext>
<tokenext>Unless you transfer to a bank outside Australia , CBA charges $ 25AUD to send money to a US based bank or NZ based bank .
( For non Aussies , CBA = Commonwealth Bank of Australia )</tokentext>
<sentencetext>Unless you transfer to a bank outside Australia, CBA charges $25AUD to send money to a US based bank or NZ based bank.
(For non Aussies, CBA = Commonwealth Bank of Australia)
	</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055748</id>
	<title>Re:My theory</title>
	<author>1s44c</author>
	<datestamp>1265543580000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>I think PayPal is run by cowboys.</p></div><p>Paypal have been canceling accounts randomly and keeping the cash for many years now. That's just another revenue stream for them.</p><p>If you use paypal heavily they will rob you sooner or later.</p></div>
	</htmltext>
<tokenext>I think PayPal is run by cowboys.Paypal have been canceling accounts randomly and keeping the cash for many years now .
That 's just another revenue stream for them.If you use paypal heavily they will rob you sooner or later .</tokentext>
<sentencetext>I think PayPal is run by cowboys.Paypal have been canceling accounts randomly and keeping the cash for many years now.
That's just another revenue stream for them.If you use paypal heavily they will rob you sooner or later.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054080</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31056252</id>
	<title>Re:Due to RBI regulations</title>
	<author>Anonymous</author>
	<datestamp>1265547720000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><i>forex (foreign exchange) transfers</i> </p><p>Well, that explains it. Fourex is a brand of rubbers. When Paypal extends a payment, it snaps right back.</p><p>Hah! -- captcha = mooned</p></htmltext>
<tokenext>forex ( foreign exchange ) transfers Well , that explains it .
Fourex is a brand of rubbers .
When Paypal extends a payment , it snaps right back.Hah !
-- captcha = mooned</tokentext>
<sentencetext>forex (foreign exchange) transfers Well, that explains it.
Fourex is a brand of rubbers.
When Paypal extends a payment, it snaps right back.Hah!
-- captcha = mooned</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054130</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054368</id>
	<title>As bad as PayPal is...</title>
	<author>Anonymous</author>
	<datestamp>1265534100000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>In this case they're doing the right thing.  Almost all of the Indians using PayPal are scammers.</p></htmltext>
<tokenext>In this case they 're doing the right thing .
Almost all of the Indians using PayPal are scammers .</tokentext>
<sentencetext>In this case they're doing the right thing.
Almost all of the Indians using PayPal are scammers.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054040</id>
	<title>Let me be the first to say</title>
	<author>Anonymous</author>
	<datestamp>1265574660000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I am truely heartbroken!</p></htmltext>
<tokenext>I am truely heartbroken !</tokentext>
<sentencetext>I am truely heartbroken!</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055090</id>
	<title>Re:Dear PayPal --- LOL</title>
	<author>Anonymous</author>
	<datestamp>1265539260000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>LOL, please do the needful...f*ing great!</p></htmltext>
<tokenext>LOL , please do the needful...f * ing great !</tokentext>
<sentencetext>LOL, please do the needful...f*ing great!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31058006</id>
	<title>Re:Dear PayPal</title>
	<author>Anonymous</author>
	<datestamp>1265564640000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>Please do the needful!</p></div><p>Probably they are too busy freaking out.</p></div>
	</htmltext>
<tokenext>Please do the needful ! Probably they are too busy freaking out .</tokentext>
<sentencetext>Please do the needful!Probably they are too busy freaking out.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054674</id>
	<title>American Indians?</title>
	<author>go\_jesse</author>
	<datestamp>1265536380000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Wow, I read this and thought "American Indians" the whole time I was reading it.

Only from within the comments did I realize my mistake...</htmltext>
<tokenext>Wow , I read this and thought " American Indians " the whole time I was reading it .
Only from within the comments did I realize my mistake.. .</tokentext>
<sentencetext>Wow, I read this and thought "American Indians" the whole time I was reading it.
Only from within the comments did I realize my mistake...</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31053956</id>
	<title>Makes me wonder...</title>
	<author>Anonymous</author>
	<datestamp>1265574060000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>5</modscore>
	<htmltext><p>Why anyone trusts PayPal with their money.</p></htmltext>
<tokenext>Why anyone trusts PayPal with their money .</tokentext>
<sentencetext>Why anyone trusts PayPal with their money.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054088</id>
	<title>Dear PayPal</title>
	<author>codepunk</author>
	<datestamp>1265575020000</datestamp>
	<modclass>Funny</modclass>
	<modscore>4</modscore>
	<htmltext><p>Please do the needful!</p></htmltext>
<tokenext>Please do the needful !</tokentext>
<sentencetext>Please do the needful!</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31056364</id>
	<title>Re:Dear PayPal</title>
	<author>Culture20</author>
	<datestamp>1265549100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Please do the needful!</p></div><p>There are different different types of ways to do the needful.  Be careful what you wish for.</p></div>
	</htmltext>
<tokenext>Please do the needful ! There are different different types of ways to do the needful .
Be careful what you wish for .</tokentext>
<sentencetext>Please do the needful!There are different different types of ways to do the needful.
Be careful what you wish for.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054088</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054282</id>
	<title>Paypal is not a bank</title>
	<author>Colin Smith</author>
	<datestamp>1265533440000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Banks <i>create</i> money.<br>Paypal <i>moves</i> money.<br>
&nbsp;</p></htmltext>
<tokenext>Banks create money.Paypal moves money .
 </tokentext>
<sentencetext>Banks create money.Paypal moves money.
 </sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31053998</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054504</id>
	<title>Re:Banking Reform</title>
	<author>socsoc</author>
	<datestamp>1265535300000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>Does it over other things besides savings accounts? Maybe it unders some of them too.</htmltext>
<tokenext>Does it over other things besides savings accounts ?
Maybe it unders some of them too .</tokentext>
<sentencetext>Does it over other things besides savings accounts?
Maybe it unders some of them too.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054374</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054304</id>
	<title>Fool me once...</title>
	<author>spintriae</author>
	<datestamp>1265533680000</datestamp>
	<modclass>Funny</modclass>
	<modscore>1</modscore>
	<htmltext>Paypal are <a href="http://en.wikipedia.org/wiki/Indian\_giver" title="wikipedia.org" rel="nofollow">Indian givers</a> [wikipedia.org]? I had to check my clock to make sure it wasn't April 1.</htmltext>
<tokenext>Paypal are Indian givers [ wikipedia.org ] ?
I had to check my clock to make sure it was n't April 1 .</tokentext>
<sentencetext>Paypal are Indian givers [wikipedia.org]?
I had to check my clock to make sure it wasn't April 1.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31055746</id>
	<title>Re:Currency controls</title>
	<author>kill-1</author>
	<datestamp>1265543520000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>The lower the price for the yuan (a.k.a the renminbi) in dollars, the more dollars China earns from exports, and the fewer dollars it spends on imports.</p></div><p>No, they also have to spend more on imports. But that doesn't matter much because of their trade surplus.</p></div>
	</htmltext>
<tokenext>The lower the price for the yuan ( a.k.a the renminbi ) in dollars , the more dollars China earns from exports , and the fewer dollars it spends on imports.No , they also have to spend more on imports .
But that does n't matter much because of their trade surplus .</tokentext>
<sentencetext>The lower the price for the yuan (a.k.a the renminbi) in dollars, the more dollars China earns from exports, and the fewer dollars it spends on imports.No, they also have to spend more on imports.
But that doesn't matter much because of their trade surplus.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054584</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31057810</id>
	<title>Re:Banking Reform</title>
	<author>Anonymous</author>
	<datestamp>1265562960000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>If Paypal does not bother to invest the money sitting dormant in accounts, then many regulations would have only minimal impact on them, since they would be keeping full reserves rather than fractional reserves.</p></div><p>If they were investing account holders' money, then they would be considered some type of bank or investment organization, and the banking rules would apply to them. The fact that they are not registered as such an entity says they don't play games with the account holders' money. Unless you're claiming they have been lying to the IRS, FTC, Federal Reserve, etc. (not that I'd put it past them, mind you).</p><p>I'm not saying they don't need regulation, but technically they are simply an escrow service. It wouldn't surprise me if there are already regulations that govern their ability to do what they are doing, and from the sounds of things my guess is that the regulations in India allow them to pull this kind of stunt. If they tried it in the US they'd certainly be open to various civil lawsuits, and possibly even fraud.</p></div>
	</htmltext>
<tokenext>If Paypal does not bother to invest the money sitting dormant in accounts , then many regulations would have only minimal impact on them , since they would be keeping full reserves rather than fractional reserves.If they were investing account holders ' money , then they would be considered some type of bank or investment organization , and the banking rules would apply to them .
The fact that they are not registered as such an entity says they do n't play games with the account holders ' money .
Unless you 're claiming they have been lying to the IRS , FTC , Federal Reserve , etc .
( not that I 'd put it past them , mind you ) .I 'm not saying they do n't need regulation , but technically they are simply an escrow service .
It would n't surprise me if there are already regulations that govern their ability to do what they are doing , and from the sounds of things my guess is that the regulations in India allow them to pull this kind of stunt .
If they tried it in the US they 'd certainly be open to various civil lawsuits , and possibly even fraud .</tokentext>
<sentencetext>If Paypal does not bother to invest the money sitting dormant in accounts, then many regulations would have only minimal impact on them, since they would be keeping full reserves rather than fractional reserves.If they were investing account holders' money, then they would be considered some type of bank or investment organization, and the banking rules would apply to them.
The fact that they are not registered as such an entity says they don't play games with the account holders' money.
Unless you're claiming they have been lying to the IRS, FTC, Federal Reserve, etc.
(not that I'd put it past them, mind you).I'm not saying they don't need regulation, but technically they are simply an escrow service.
It wouldn't surprise me if there are already regulations that govern their ability to do what they are doing, and from the sounds of things my guess is that the regulations in India allow them to pull this kind of stunt.
If they tried it in the US they'd certainly be open to various civil lawsuits, and possibly even fraud.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054374</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054198</id>
	<title>Dear PayPal</title>
	<author>dandart</author>
	<datestamp>1265575920000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>Bye.</htmltext>
<tokenext>Bye .</tokentext>
<sentencetext>Bye.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31058204</id>
	<title>This is a genuine racist act on PayPal's part</title>
	<author>mysidia</author>
	<datestamp>1265566800000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>
Reversing payments to the Cleveland Indians is similarly an outrage.
</p><p>
Also...  calling them <b>Indians</b> is so last century.
These days thay are called  <b>Native Americans</b>  or
<b>Indigenous people within the United States</b>
</p><p>
And reversing payments made to them is  one of the most intolerant, disrespectful actions a company like PayPal could undertake.
</p><p>
They clearly need a big long spanking for this.
</p><p>
The racial profiling of "scammers" or  "frausters" has got to stop.
</p><p>
PayPal also needs to get sanctions and fines levied against them for their mistreatment of nigerian people,  due their noted refusals to deal with transactions in that great nation.
</p></htmltext>
<tokenext>Reversing payments to the Cleveland Indians is similarly an outrage .
Also... calling them Indians is so last century .
These days thay are called Native Americans or Indigenous people within the United States And reversing payments made to them is one of the most intolerant , disrespectful actions a company like PayPal could undertake .
They clearly need a big long spanking for this .
The racial profiling of " scammers " or " frausters " has got to stop .
PayPal also needs to get sanctions and fines levied against them for their mistreatment of nigerian people , due their noted refusals to deal with transactions in that great nation .</tokentext>
<sentencetext>
Reversing payments to the Cleveland Indians is similarly an outrage.
Also...  calling them Indians is so last century.
These days thay are called  Native Americans  or
Indigenous people within the United States

And reversing payments made to them is  one of the most intolerant, disrespectful actions a company like PayPal could undertake.
They clearly need a big long spanking for this.
The racial profiling of "scammers" or  "frausters" has got to stop.
PayPal also needs to get sanctions and fines levied against them for their mistreatment of nigerian people,  due their noted refusals to deal with transactions in that great nation.
</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31067212</id>
	<title>Going offtopic to the American Indians.</title>
	<author>Ungrounded Lightning</author>
	<datestamp>1265633760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><i>Also... calling them Indians is so last century. These days thay are called Native Americans or Indigenous people within the United States.</i></p><p>According to my wife (part American Indian and raised on a different tribe's reservation):  The bulk of the American Indians (in her estimation) prefer "American Indian" to "Native American".  (Exceptions being mostly a couple plains tribes and some individuals from all over who went to universities and got involved in political movements.)  Two main reasons given:</p><p>1)  It's a running gag on how the stupid Europeans still haven't figured out that Columbus was almost half a planet away from where he thought he was.</p><p>2) Anyone born in the USofA (commonly referred to by the rest of the world as "Americans") is a "Native American", regardless of percentage of tribal ancestry (including zero), culture, or state of tribal adoption.  So using that term to refer to American Indians is not just politically-motivated claptrap but a misuse of the language.</p></htmltext>
<tokenext>Also... calling them Indians is so last century .
These days thay are called Native Americans or Indigenous people within the United States.According to my wife ( part American Indian and raised on a different tribe 's reservation ) : The bulk of the American Indians ( in her estimation ) prefer " American Indian " to " Native American " .
( Exceptions being mostly a couple plains tribes and some individuals from all over who went to universities and got involved in political movements .
) Two main reasons given : 1 ) It 's a running gag on how the stupid Europeans still have n't figured out that Columbus was almost half a planet away from where he thought he was.2 ) Anyone born in the USofA ( commonly referred to by the rest of the world as " Americans " ) is a " Native American " , regardless of percentage of tribal ancestry ( including zero ) , culture , or state of tribal adoption .
So using that term to refer to American Indians is not just politically-motivated claptrap but a misuse of the language .</tokentext>
<sentencetext>Also... calling them Indians is so last century.
These days thay are called Native Americans or Indigenous people within the United States.According to my wife (part American Indian and raised on a different tribe's reservation):  The bulk of the American Indians (in her estimation) prefer "American Indian" to "Native American".
(Exceptions being mostly a couple plains tribes and some individuals from all over who went to universities and got involved in political movements.
)  Two main reasons given:1)  It's a running gag on how the stupid Europeans still haven't figured out that Columbus was almost half a planet away from where he thought he was.2) Anyone born in the USofA (commonly referred to by the rest of the world as "Americans") is a "Native American", regardless of percentage of tribal ancestry (including zero), culture, or state of tribal adoption.
So using that term to refer to American Indians is not just politically-motivated claptrap but a misuse of the language.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31058204</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054370</id>
	<title>Re:Due to RBI regulations</title>
	<author>LukeCrawford</author>
	<datestamp>1265534100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>seems like paypal would be better off saying so up front;    My first reaction was that it was likely more of paypals seemingly racist 'fraud prevention'</p></htmltext>
<tokenext>seems like paypal would be better off saying so up front ; My first reaction was that it was likely more of paypals seemingly racist 'fraud prevention'</tokentext>
<sentencetext>seems like paypal would be better off saying so up front;    My first reaction was that it was likely more of paypals seemingly racist 'fraud prevention'</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054020</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054008</id>
	<title>Who will be manning the call centers...</title>
	<author>Anonymous</author>
	<datestamp>1265574420000</datestamp>
	<modclass>Funny</modclass>
	<modscore>4</modscore>
	<htmltext>Who will be manning the call centers to handle the complaints?</htmltext>
<tokenext>Who will be manning the call centers to handle the complaints ?</tokentext>
<sentencetext>Who will be manning the call centers to handle the complaints?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054624</id>
	<title>Re:Due to RBI regulations</title>
	<author>Anonymous</author>
	<datestamp>1265536020000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>now indians who do not have a credit card will find it difficult to shop online, because rbi <a href="http://www.hipatic.com/2010/01/verified-by-visa-vbv-mastercard.html" title="hipatic.com" rel="nofollow">http://www.hipatic.com/2010/01/verified-by-visa-vbv-mastercard.html</a> [hipatic.com]recently made vbv mandatory for debit cards and not many websites support that.</htmltext>
<tokenext>now indians who do not have a credit card will find it difficult to shop online , because rbi http : //www.hipatic.com/2010/01/verified-by-visa-vbv-mastercard.html [ hipatic.com ] recently made vbv mandatory for debit cards and not many websites support that .</tokentext>
<sentencetext>now indians who do not have a credit card will find it difficult to shop online, because rbi http://www.hipatic.com/2010/01/verified-by-visa-vbv-mastercard.html [hipatic.com]recently made vbv mandatory for debit cards and not many websites support that.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054020</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054584</id>
	<title>Currency controls</title>
	<author>Anonymous</author>
	<datestamp>1265535720000</datestamp>
	<modclass>None</modclass>
	<modscore>-1</modscore>
	<htmltext>India should just implement currency controls similar to the ones implemented by China. Really, China has a billion people too, and it's been working really well for them.
<br> <br>
The lower the price for the yuan (a.k.a the renminbi) in dollars, the more dollars China earns from exports, and the fewer dollars it spends on imports. By not allowing its currency to rise, China generates a dollar surplus, and hence must buy up the excess dollars by purchasing Treasuries and maintaining large dollar reserves. A similar policy for India would need to go further, so that one rupee is equivalent to -1 dollars.
<br> <br>
The Paypal thing makes it easy to do this. Here's what India has to do:
<ul> <li>From its headquarters in Mumbai, the Reserve Bank of India purchases Indian treasuries on the open market, using a Paypal account.</li><li>When the bill arrives, the central bank simply ignores the positive account balance, leaving Paypal holding the bag with a large reserve of dollars.</li><li>Meanwhile the bank prints a new type of security, which holds them accountable for 10,000 dollars each, backed by the full faith and credit of Paypal.</li><li>The bank puts these up for sale for rupees, accepting all methods of payment other than Paypal.</li><li>When everyone realizes they've been suckered into buying dollars with rupees, the dollar will acquire a negative exchange rate in terms of the rupee, as everyone beats on Paypal's doors to pay them back. But Paypal, holding dollars, is not in a position to do so. This is equivalent to the rupee falling down to a value of minus one dollars.</li></ul></htmltext>
<tokenext>India should just implement currency controls similar to the ones implemented by China .
Really , China has a billion people too , and it 's been working really well for them .
The lower the price for the yuan ( a.k.a the renminbi ) in dollars , the more dollars China earns from exports , and the fewer dollars it spends on imports .
By not allowing its currency to rise , China generates a dollar surplus , and hence must buy up the excess dollars by purchasing Treasuries and maintaining large dollar reserves .
A similar policy for India would need to go further , so that one rupee is equivalent to -1 dollars .
The Paypal thing makes it easy to do this .
Here 's what India has to do : From its headquarters in Mumbai , the Reserve Bank of India purchases Indian treasuries on the open market , using a Paypal account.When the bill arrives , the central bank simply ignores the positive account balance , leaving Paypal holding the bag with a large reserve of dollars.Meanwhile the bank prints a new type of security , which holds them accountable for 10,000 dollars each , backed by the full faith and credit of Paypal.The bank puts these up for sale for rupees , accepting all methods of payment other than Paypal.When everyone realizes they 've been suckered into buying dollars with rupees , the dollar will acquire a negative exchange rate in terms of the rupee , as everyone beats on Paypal 's doors to pay them back .
But Paypal , holding dollars , is not in a position to do so .
This is equivalent to the rupee falling down to a value of minus one dollars .</tokentext>
<sentencetext>India should just implement currency controls similar to the ones implemented by China.
Really, China has a billion people too, and it's been working really well for them.
The lower the price for the yuan (a.k.a the renminbi) in dollars, the more dollars China earns from exports, and the fewer dollars it spends on imports.
By not allowing its currency to rise, China generates a dollar surplus, and hence must buy up the excess dollars by purchasing Treasuries and maintaining large dollar reserves.
A similar policy for India would need to go further, so that one rupee is equivalent to -1 dollars.
The Paypal thing makes it easy to do this.
Here's what India has to do:
 From its headquarters in Mumbai, the Reserve Bank of India purchases Indian treasuries on the open market, using a Paypal account.When the bill arrives, the central bank simply ignores the positive account balance, leaving Paypal holding the bag with a large reserve of dollars.Meanwhile the bank prints a new type of security, which holds them accountable for 10,000 dollars each, backed by the full faith and credit of Paypal.The bank puts these up for sale for rupees, accepting all methods of payment other than Paypal.When everyone realizes they've been suckered into buying dollars with rupees, the dollar will acquire a negative exchange rate in terms of the rupee, as everyone beats on Paypal's doors to pay them back.
But Paypal, holding dollars, is not in a position to do so.
This is equivalent to the rupee falling down to a value of minus one dollars.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment10_02_07_1830222.31054228</id>
	<title>Money laundering and terrorism</title>
	<author>140Mandak262Jamuna</author>
	<datestamp>1265576160000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>3</modscore>
	<htmltext>Where would you hide a tree? In a forest of course. Every time there is a new technology is found, the terrorists and criminals use it first and the law enforcement is way behind and always plays catch up. The Mumbai attackers were using prepaid satellite phones and VOIP routed through New Jersy to get constant feed back while they were on their rampage inside the Taj hotel. Wait for a day or two, and you will see that angle will be mentioned. Whether sincerely or as a diversionary tactic by Paypal or by RBI I don't know. But it is a well known fact the terrorists use havala trading systems very effectively and Paypal would not be a big step for them.</htmltext>
<tokenext>Where would you hide a tree ?
In a forest of course .
Every time there is a new technology is found , the terrorists and criminals use it first and the law enforcement is way behind and always plays catch up .
The Mumbai attackers were using prepaid satellite phones and VOIP routed through New Jersy to get constant feed back while they were on their rampage inside the Taj hotel .
Wait for a day or two , and you will see that angle will be mentioned .
Whether sincerely or as a diversionary tactic by Paypal or by RBI I do n't know .
But it is a well known fact the terrorists use havala trading systems very effectively and Paypal would not be a big step for them .</tokentext>
<sentencetext>Where would you hide a tree?
In a forest of course.
Every time there is a new technology is found, the terrorists and criminals use it first and the law enforcement is way behind and always plays catch up.
The Mumbai attackers were using prepaid satellite phones and VOIP routed through New Jersy to get constant feed back while they were on their rampage inside the Taj hotel.
Wait for a day or two, and you will see that angle will be mentioned.
Whether sincerely or as a diversionary tactic by Paypal or by RBI I don't know.
But it is a well known fact the terrorists use havala trading systems very effectively and Paypal would not be a big step for them.</sentencetext>
</comment>
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	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#thread_10_02_07_1830222_9</id>
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