That probably contains elements that are not good for you but most people can’t tell because they aren’t sophisticated enough. ![]() Worse, the people at any Big Bank are there to sell you something that is good for them, something that makes money for them. iįrankly, people are financially naïve and most make poor decision because they do not understand choices. iĪll the big lenders try to convince people that they can “do it themselves.” They simply love dealing with unsophisticated borrowers most of whom who go along with whatever is suggested to them by someone who is likely less experienced than what they would like. I practically guarantee you will not be able to figure out if you can trust them or not. ![]() I don’t know the company you mention, but I do know that with the low rates and the big slug of business we see today, a lot of shifty people who got out of the business have gotten back into it. You can’t outguess the market and you certainly can’t outguess the bumble-heads in WashingtonĪs to choice of lenders I think it would be helpful if you were to acknowledge that you need help. Rates are so exceptionally attractive that I wouldn’t take the risk. This may sound blunt, but if either of those last two things happen you will really feel dumb at having missed the opportunity. The worst is that the train will have left the station with you standing on the platform. The best that could happen is that it is still like today. Any idea if the government will extend the conforming high balance that is set to expire 12/31/10? We would like to re-fi to a lower rate and thought we would wait a few more months, but we don’t want to be surprised with a jumbo interest rate.Ģ) Any knowledge of Aim Loans? They are advertising better rates than if I re-fi with Wells Fargo (my current mortgage company) but I don’t know much about them.Ī. 1) We bought our home at the end of February and have a $500,000 mortgage. in Newport Beach, author of “How to Save Thousands of Dollars on Your Home Mortgage” and a mortgage broker since 1983, answers questions… An algorithm estimates the capacity for hidden data without the distortions of the decoy data becoming apparent.Randy Johnson, president of Independence Mortgage Co. OutGuess determines bits in the decoy data that it considers most expendable and then distributes secret bits based on a shared secret in a pseudorandom pattern across these redundant bits, flipping some of them according to the secret data.įor JPEG images, OutGuess recompresses the image to a user-selected quality level and then embeds secret bits into the least significant bits (LSB) of the quantized coefficients while skipping zeros and ones. Subsequently, corrections are made to the coefficients to make the global histogram of discrete cosine transform (DCT) coefficients match that of the decoy image, counteracting detection by the chi-square attack that is based on the analysis of first-order statistics. This technique is criticized because it actually facilitates detection by further disturbing other statistics. Īlso, data embedded in JPEG frequency coefficients has poor robustness and does not withstand JPEG reencoding. OutGuess was originally developed in Germany in 1999 by Niels Provos. In 1999, Andreas Westfeld published the statistical chi-square attack, which can detect common methods for steganographically hiding messages in LSBs of quantized JPEG coefficients. In response, Provos implemented a method that exactly preserves the DCT histogram on which this attack is based. He released it in February 2001 in OutGuess version 0.2, which is not backward compatible to older versions. ![]() It was broken by an attack published in 2002 that uses statistics based on discontinuities across the JPEG block boundaries (blockiness) of the decoded image and can estimate the lengths of messages embedded by OutGuess. ![]() It gained popularity after being used in the first puzzle published by Cicada 3301 in 2012. OutGuess was abandoned and the official website was shut down in September 2015. Ī fork called OutGuess Rebirth ( OGR) was released in 2013 by Laurent Perch, with some bug fixes and a graphical user interface for Windows. After its last version 1.3 from September 28, 2015, it was also abandoned and in 2018 its website went offline.
0 Comments
Leave a Reply. |