"People will know it's not safe and move to another application, " said Al-Nafjan.

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Even though Forbes magazine has been around for 85 years, and Forbes.com for a decade, we can't just assume that the company will be around in another 20 years--or that a database and application will be safe sitting on our servers for that long.

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However, that may not be the case if 200 or 2, 000 banks fail because most held mortgage-backed-securities they thought were safe because of their AAA ratings and because the strict application of mark to market accounting for those securities in a frozen market wiped out their capital on a massive scale.

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Yet EU officials have expressed concern as to the jurisdiction of the FTC to enforce the safe harbor, as well as dissatisfaction with the fact that numerous regulatory agencies adjudicate disputes under the safe harbor, which may result in inconsistent rulings and uncertain application of the rule.

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Among the reasons for refusing the application, assembly government officials said Tesco had failed to "demonstrate safe and appropriate links for pedestrians and cyclists between the store and the town's central core at Heol Maengwyn".

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