Financial services

Financial services are the economic services provided by the finance industry, which encompasses a broad range of businesses that manage money, including credit unions, banks, credit-card companies, insurance companies, accountancy companies, consumer-finance companies, stock brokerages, investment funds and some government-sponsored enterprises.

The history of financial services

The term "financial services" became more prevalent in the United States partly as a result of the Gramm-Leach-Bliley Act of the late 1990s, which enabled different types of companies operating in the U.S. financial services industry at that time to merge.

Companies usually have two distinct approaches to this new type of business. One approach would be a bank which simply buys an insurance company or an investment bank, keeps the original brands of the acquired firm, and adds the acquisition to its holding company simply to diversify its earnings. Outside the U.S. (e.g., in Japan), non-financial services companies are permitted within the holding company. In this scenario, each company still looks independent, and has its own customers, etc. In the other style, a bank would simply create its own brokerage division or insurance division and attempt to sell those products to its own existing customers, with incentives for combining all things with one company.

Turn on the Bright Lights

Turn On the Bright Lights is the debut studio album by the American rock band Interpol, released in August 2002. The album was recorded in November 2001 at Tarquin Studios in Connecticut, and was co-produced, mixed and engineered by Peter Katis and Gareth Jones. It was released on August 19, 2002 in the United Kingdom and August 20 in the United States, through independent record label Matador Records. Upon release, the record peaked at number 101 on the UK Albums Chart. It reached number 158 on the Billboard 200 in the United States, as well as spending 73 weeks in the Billboard Independent Albums, peaking at number five.

"PDA", "NYC", "Obstacle 1" and "Say Hello to the Angels" were the singles from Turn On the Bright Lights, and a video was shot for each with the exception of "Say Hello to the Angels".

The album was certified Gold by the RIAA on August 29, 2011 for shipments of 500,000 copies.

A remastered version of the album was released in 2012 to commemorate its tenth anniversary. It featured additional material including demo recordings of several tracks, the bonus songs previously available on international releases and a DVD of live performances and music videos.

New York

New York is a state in the Northeastern United States and is the United States' 27th-most extensive, fourth-most populous, and seventh-most densely populated state. New York is bordered by New Jersey and Pennsylvania to the south and Connecticut, Massachusetts, and Vermont to the east. The state has a maritime border in the Atlantic Ocean with Rhode Island, east of Long Island, as well as an international border with the Canadian provinces of Quebec to the north and Ontario to the west and north. The state of New York, with an estimated 19.8 million residents in 2015, is often referred to as New York State to distinguish it from New York City, the state's most populous city and its economic hub.

With an estimated population of nearly 8.5 million in 2014, New York City is the most populous city in the United States and the premier gateway for legal immigration to the United States. The New York City Metropolitan Area is one of the most populous urban agglomerations in the world. New York City is a global city, exerting a significant impact upon commerce, finance, media, art, fashion, research, technology, education, and entertainment, its fast pace defining the term New York minute. The home of the United Nations Headquarters, New York City is an important center for international diplomacy and has been described as the cultural and financial capital of the world, as well as the world's most economically powerful city. New York City makes up over 40% of the population of New York State. Two-thirds of the state's population lives in the New York City Metropolitan Area, and nearly 40% live on Long Island. Both the state and New York City were named for the 17th century Duke of York, future King James II of England. The next four most populous cities in the state are Buffalo, Rochester, Yonkers, and Syracuse, while the state capital is Albany.

Last Week Tonight with John Oliver

Last Week Tonight with John Oliver, often abridged as Last Week Tonight, is an American late-night talk and news satire television program airing on Sundays on HBO in the United States and HBO Canada, and on Mondays (originally Tuesdays) on Sky Atlantic in the United Kingdom. The half-hour long show premiered on Sunday, April 27, 2014, and is hosted by comedian John Oliver. Last Week Tonight shares some similarities with Comedy Central's The Daily Show with Jon Stewart, where Oliver was previously featured as a correspondent and fill-in host, as it takes a satirical look at news, politics and current events on a weekly basis.

Oliver has said that he has full creative freedom, including free rein to criticize corporations. His initial contract with HBO was for two years with an option for extension. In February 2015, it was announced that the show has been renewed for two additional seasons of 35 episodes each. Oliver and HBO programming president Michael Lombardo have discussed extending the show from half an hour to a full hour and airing more than once a week after Oliver "gets his feet under him".

The New York Times

The New York Times (sometimes abbreviated to NYT) is an American daily newspaper, founded and continuously published in New York City since September 18, 1851, by the New York Times Company. It has won 117 Pulitzer Prizes, more than any other news organization.

The paper's print version has the second-largest circulation, behind The Wall Street Journal, and the largest circulation among the metropolitan newspapers in the United States. It is ranked 39th in the world by circulation. Following industry trends, its weekday circulation has fallen to fewer than one million daily since 1990. Nicknamed for years as "The Gray Lady", The New York Times has long been regarded within the industry as a national "newspaper of record". It is owned by The New York Times Company. Arthur Ochs Sulzberger, Jr. – whose family (Ochs-Sulzberger) has controlled the paper for five generations, since 1896 – is both the paper's publisher and the company's chairman. Its international version, formerly the International Herald Tribune, is now called the International New York Times.