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A massive credit card breach at a Missouri-based grocery store chain could end up cost $80 million in Illinois alone, according to a court motion filed last week. So far, at least three lawsuits seeking class action status have been filed against Schnucks Markets, Inc., alleging a breach that has affected 2.
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4 million cards used at 79 stores between early December and late March.
The suits allege that Schnucks knew about the breach days, perhaps longer, before it revealed the hack, and should have told customers about it sooner. The suit filed in Illinois on April 25 says the breach cost customers time and money, requiring card holders to spend hours canceling and getting replacement cards, and re-setting automatic payments.
In its motion, filed Friday, Schnucks puts a figure on this effort, saying that an estimated 1.6 million card transactions took places at its 23 Illinois stores during the breach period, representing 500,000 unique cards — about one-fifth of the cards compromised in the breach overall.
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Plaintiffs argue that state law in Missouri and Illinois says that any store that stores personal data relating to customers must notify those customers as soon as the store becomes aware of a breach. Schnucks, however, says that the data stolen from customer credit cards included card numbers and expiration dates, not names, meaning they were not required to notify victims. It can be said that this looks bad on Schnucks — customer service-wise and reputation-wise.
The case is likely to head to the U.S. District Court for the Southern District of Illinois.
Relatively speaking, $80 million is nothing compared to, say, the Heartland Payments Systems security breach of 2008, which resulted in the theft of information from more than 100 million credit and debit cards and a 20-year prison sentence for the perpetrator. But even that doesn’t compare to this list of the top five most expensive data breaches.
With at least 24 dead and more than 200 injured, the human toll has been massive.
In this video, Moore, Oklahoma, Mayor Glenn Lewis discusses the devastation.
Though difficult, the future of preparing for tornadoes means looking beyond the immediate recovery and tragedy. It means looking for lessons learned and ways to better understand the threat.
Many media outlets are asking the right questions.
Such factors mean that the United States averages more than 1,000 reported tornadoes per year while the next-most-hit nation, Canada, only suffers from around 100 reported tornadoes per year. The Wall Street Journal’s contributing meteorologist, Eric Holthaus, broke down some of the weather-reasons that tornadoes occur.
And here is a graphic, from the May issue of Risk Management, that shows where they occur in the United States. The so-called “Tornado Alley.”
(click for larger map)
While the United States’ predisposition to be stuck by tornadoes isn’t questioned by climatologists, a key word is “reported.” In some ways, our ability to understand tornadoes falls behind other natural disasters (namely hurricanes and earthquakes) due to the fact that we still can’t accurately know exactly when or how many tornadoes occur each year. They can be rapidly forming and dissipating funnels of wind, so unless there is someone nearby to witness them or human-made structures to be affected, some go unreported.
Given the progression of development and technology, that is much less so the case in 2013 than it was in 1950. But it is still a factor in our collective ignorance.
For example, the number of reported tornadoes in the United States has risen rapidly over the past 60 years. Some have tried to tie this increase to weather trends or climate change.
But the fact that more are being reported doesn’t necessarily mean more are occurring.
Even in the United States — by far the world’s most frequent victim of twisters — detailed records only go back to 1950. Since then, there has been an average increase of 14 reported tornadoes per year. But any attempt to tie the rise to the weather would be an exercise in analyzing guesswork. Most experts believe this rise is due to advances in science, technology and observational techniques — not to mention the number of homes and businesses that are hit — rather than any objective trend that proves more tornadoes are occurring.
Really, nobody knows — now or then — how many tornadoes occur each year. “Socio-economic factors provide a better explanation for this trend than meteorological ones,” states a report by Lloyd’s of London.
Those who lost loved ones during 2011, a record-setting year for twisters, are unlikely to take solace in this fact. But “despite the anomalous 2011 season,” says the Lloyd’s report, “there is no trend in the number of strong to violent tornadoes between 1950 and 2012.”
In addition to the challenge of knowing how many tornadoes occur, there is the difficulty of predicting when and where they will occur.
The short answer, from Carbin of the National Weather Service Storm Prediction Center:
“There are so many mild adjustments, slight adjustments that can make a huge difference in whether you end up getting the formation of storms. The sensitivity the atmosphere has to ingredients in the formation of tornados and magnifying that slight change in something we can’t even observe can have a dramatic impact on the forecast.”
Still, despite the limitations, things are improving.
It may not sound like significant progress, but even minutes saves lives.
Just 16 minutes before a gigantic twister first developed near Oklahoma City on Monday, the National Weather Service put out a tornado warning.
The tornado warning issued for the region south of Oklahoma City on Monday, May 20, at 2:46 p.m. (Via Mike Smith)
That doesn’t sound like very much time to get out of the way. For many, it wasn’t: At least 24 people died when the tornado ripped a mile-wide path through the city of Moore, Okla.
But those 16 minutes actually represent an enormous advance for weather science. Back in the 1980s, the average tornado lead time was a scant five minutes. Today, it’s about 13 minutes.
What’s more, meteorologists are now able to issue alerts and storm forecasts even earlier, thanks to powerful computers that allow them to run detailed weather simulations. The Oklahoma City area had been identified as an at-risk area days before the twister actually struck. And the National Weather Service’s Rick Smith issued an eerily prescient forecast at 11:30 a.m. Monday, alerting people to the threat of tornadoes that very afternoon.
Just how much more improvement is possible?
Carbin told the Washington Post that “we might be able to get, say, an hour lead-time on a tornado.”
That time frame, as a goal, sounds depressing. It’s certainly going to make tornadoes forever more difficult to prepare for than, say, hurricanes. But then again, it is a lot better than, say, earthquakes, which generally give zero seconds of notice.
As discussed on Wonk Blog, the world has also gotten better at understanding tornado behavior once a storm forms and is detected. This also adds time for those who might be in a twister’s path in a half an hour as opposed to those who reside near its formation.
A journalist from Arkansas I spoke with yesterday also noted another benefit of being able to better predict where a tornado is headed. Historically, throughout many areas of the South and Midwest, tornado sirens and warnings would be issued for very-large areas. Two whole counties perhaps.
This makes sense. Precaution is obviously the best strategy.
But it also has breed complacency. Some locations face many tornado warnings every year, and if multiple “DEFCON Ones” are declared that never present real threats, people naturally start to take safety for granted. The Boy Who Cried Wolf and all.
With better projections on trajectory and more-precise warning systems, however, sirens only have to be sounded for those who are actually at direct risk of the threat. Those who are likely to remain safe for the next two hours may not have to be told to hunker down in their basements. And in time this should lead to a population who comes to have better respect for the warnings of authorities.
Ultimately, this is all still very difficult science.
The truth is that as tragic as this tornado in Oklahoma has been, there will be more. 2011 was a historic year for twisters and the folks in Joplin, Mississippi, certainly share Moore’s pain. Even past residents of Moore feel the current residents of Moore’s anguish, as another devastating tornado ripped through the same community in 1999.
The hope, however, is that through knowledge, science, preparedness and resiliency, all citizens, municipalities and businesses will be more ready tomorrow than they are today for when the next tornado hits.
Next month marks the 50th anniversary of the Equal Pay Act, which was signed into law by President John F. Kennedy on June 10, 1963. At the time, women earned about 59 cents for every dollar paid to their male counterparts. To correct this disparity, the law made it illegal for employers to pay women lower wages than men for doing the same job.
The pay gap is also evident in the risk management field. Data compiled for the 2013 RIMS Compensation Survey of risk management salaries revealed that, depending on the job title, female respondents took home base salaries that were up to 17% less than their male counterparts in the same position (see the chart below). The discrepancy was greatest with those who handle claims (claims managers and analysts), who made just over 17% less, while all other positions saw gaps of less than 10%.
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Risk management analysts saw only a 2% gap, while directors of business continuity, financial or IT risk management actually made 2.4% more than men.
What this data seems to suggest is that although women have become leaders in risk management and have long made gender irrelevant in terms of performance, their pay has not always followed suit.
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If there is a silver lining, though, it is that risk management salaries, for the most part, are more equitable than the national average. Perhaps as the discipline continues to become more prominent and gain greater recognition in corporate boardrooms, the profile of all risk managers will be enhanced and these pay differences will quickly disappear, making risk management an early leader when it comes to fulfilling President Kennedy’s 50-year-old promise of equal pay for equal work.
The 2013 RIMS Annual Conference & Exhibition may have been almost four weeks ago, but it continues to live on through internet videos. The World Risk and Insurance News—an online television network—has released several high-quality videos taken during RIMS. The following is a recap of the conference, featuring interviews with RIMS Executive Director Mary Roth, Steve Hearn of Willis, Jason Harris of XL and Alison Quinlivan of Aon, among others.
To see more videos from the conference, click here.
