п»їWhy BBA LIBOR Was Replaced by ICE LIBOR.
The London Interbank Offered Rate (LIBOR) is the world’s most important benchmark interest rate that is widely used as a reference rate or index rate for financial instruments and loan products totaling hundreds of trillion of dollars across the globe.
The LIBOR, a multi-use rate, sets the base for the borrowing of unsecured short-term funds between large banks in the interbank market, as well as for calculating the interest rate throughout the world on different kinds of loans.
Until January 31, 2014, the LIBOR was prefixed with BBA, known as BBA LIBOR, as it was administered by the British Bankers Association (BBA). However, On February 1, 2014, the Intercontinental Exchange Benchmark Administration Limited took over the administration of the LIBOR, changing it to the ICE LIBOR. п»ї п»ї
The Intercontinental Exchange, the authority responsible for LIBOR, will stop publishing one-week and two-month USD LIBOR after Dec. 31, 2021. All other LIBOR will be discontinued after June 30, 2023.п»ї п»ї п»ї
Origins.
The origin of the LIBOR goes back to the late 1960s when Minos Zombanakis, a Greek banker organized a syndicated loan worth $80 million for the Shah of Iran from the newly opened London branch of Manufacturers Hanover (now part of JPMorgan Chase).
The loan was pegged to the average of reported funding costs by a few reference banks. The system eventually evolved and was taken over in 1986 by the British Bankers Association (BBA), which formalized the process related to governance and data collection. п»ї п»ї
Manipulation.
The question over LIBOR’s credibility surfaced for the first time during the financial crisis of 2007, when the much-followed rate behaved abruptly and out of line, given other market rates and prices.  
In the following years, financial regulators and some public authorities looked into the alleged manipulation of the LIBOR. These investigatory processes exposed many weaknesses of the LIBOR, challenging its credibility as a standard. The main observations were:
There was a decline in the use of transaction data for LIBOR submissions. The submissions that compile the rate were “subject to manipulation” by banks, as such manipulation could help them project better creditworthiness or improve their trading positions. The administrative system of the LIBOR had loopholes that provided opportunities to the contributing banks to maneuver rates to suit them. The governance system lacked adequate transparency and accountability resulting in repeated attempts of manipulation.
Though it was clear that some serious misconduct was taking place with regards to LIBOR submissions, nothing substantial was revealed until 2012, when it became clear that banks were misusing their influence over the LIBOR. Investigations over the alleged rigging of the LIBOR were initiated into more than a dozen banks.
The list notably involved Barclays Bank PLC (BARC), UBS (UBS), Royal Bank of Scotland (RBS), HSBC (HSBC), Bank of America (BAC), Citigroup (C), JPMorgan Chase (JPM), The Bank of Tokyo-Mitsubishi UFJ (BTMU), Credit Suisse, Lloyds (LLOY), WestLB, and Deutsche Bank (DBK).
In June 2012, Barclays Bank was fined ВЈ59.5 million by the Financial Services Authority (FSA) for failings related to the LIBOR and EURIBOR in accordance with the Financial Services and Markets Act 2000, mostly between 2005 and 2009. Since Barclays agreed to an early settlement, the fine of ВЈ85 million worked out to be ВЈ59.5 million after a 30 percent discount. п»ї п»ї
Barclays was also fined $360 million by U.S. authorities for tampering and false reporting of the EURIBOR and LIBOR between 2005 and 2009. п»ї п»ї
Wheatley’s Recommendation.
In June 2012, soon after Barclays findings were announced (which was only one of the many investigations), the UK Chancellor of the Exchequer commissioned Martin Wheatley (then Managing Director of the Financial Services Authority and Chief Executive designate of the Financial Conduct Authority) to set up an independent review of the various aspects of the LIBOR.
The most important recommendation made by the Wheatley Review of LIBOR (Final Report) was to hand over the LIBOR to a new administrator. According to the Wheatley Review, “The BBA should transfer responsibility for LIBOR to a new administrator, who will be responsible for compiling and distributing the rate, as well as providing credible internal governance and oversight. This should be achieved through a tender process to be run by an independent committee convened by the regulatory authorities.”  
Following the Wheatley Review Recommendation, the Hogg Tendering Advisory Committee selected a new administrator of LIBOR via a rigorous competitive tender process. The Hogg Tendering Advisory Committee recommended the Intercontinental Exchange Benchmark Administration (IBA) as the new administrator in mid-2013.
Intercontinental Exchange Group (ICE), a prominent name in the financial world, has a vast network of regulated exchanges and clearinghouses for commodity and financial markets. The IBA, British Bankers Association (BBA), and other industry organizations have worked together to ensure a smooth transition of BBA LIBOR to ICE LIBOR.
And on February 1, 2014, ICE Benchmark Association became the official administrator of the LIBOR, bringing more transparency, as well as a robust oversight and governance framework. п»ї п»ї
Furniture Service.
A downloadable game for Windows and Linux.
It was 15 years ago that all people disappeared from a street within a year. Meanwhile the houses are dilapidated and should be demolished only a few pieces of furniture are left. A mover will remove them.
Walk W, A, S, D Pick up object Hold LMB Open clipboard Tab.
If you want to support us.
Download.
Comments.
i had issues walking up stairs for some reason so i couldn't progress in the game.
lol this was a bad idea why would you ever do this alone at night СЂСџВ‚ СЂСџВВ± starts @01:20.
great game that jump scare really got me at the end but overall great game.
This game was interesting? First is the story it wasn't very believable there was no investigation and the people weren't found with the blood around. few of the sounds in i could tell i wasn't in very much danger which took away the overall creep factor and immersiveness of it. It did get me pretty good with the music box and the jumpscare though! If this is a first game i completely understand the other things going on! Here's my playthrough if you wanna see! it starts at 6:12.
I liked this. You actually jump scared me. Good Job!
Found some bugs and the fact that i can't go up the stairs normally, screwed up the entire gameplay. Make a jumping feature or something so we can go up the stairs normally.
here's my poop gameplay.. like the game man.. keep it up and scare us like u scare ur sister.
Tried out your game.
Was a really, really fun game. The atmosphere you built was fantastic and the story behind the game was great too. (Video below if anyone wants to watch!)
Only thing I would suggest is maybe adding a build up to the final monster and making him more visible in the houses or in the distance or things like that. And maybe add little notes in the houses to tell the stories of the people living there and then add up to the whole story as a whole.
And also the picking up was a little annoying at times as the items wouldn't pick up, and some doors would close in and not allow the item to come through.
Other than that, it was a great game with a great feel to it. Would definitely recommend playing it. It was pretty spooky and really well made!
9/11/2020 21:05 argentinian horariur.
im gonna play this game on my stream, i hope i shit my pants and get a boner uWu.
9/11/2020 21:20 noruegan horario.
I finish this game in 5 minutes, at leats is longer than me in bed touching your mom foot.
2/5 oranges, better play this instead assanssin creed valhalla xd.
This game awesome as fuck.
Shut the fuck up :|.
Sorry i thought i was texdting my friend.
stop talking to yourself, when you can talk to me! twitch.tv/etso.
i get scared way to easiely.
me too man, twitch.tv/etsol.
Very cool and scary.
TOTALLY CREEPY FEELS! Had fun with some of the glitches but overall fun but creepy game! Those jumpscares got me gooooood! Thanks for an awesome game!
Furniture Service, you run across the street back and forward back and forward until you have successfully used your telepathy to steal random household appliances. In the midst of all this, the main character hallucinates a skeleton that can lift a skeleTON. The filter used over the UI is potentially the most distracting filter I have seen in any game, congratulations on that front. But as far as indie horror game trigger tests go, this could certainly be worse. Good Job.
On a more serious note, many hitboxes and invisible walls need to be addressed as I somehow came into contact with every single one. Which makes it rather hard to stay immersed when half the house you are currently moving (looting) is inaccessible due to some invisible force.
The ambiance was also lacking, outside of the non-stop buzzing from the scan lines in the video.
More cynical posturing in the video below.
i love this game it made me very hard and the demons in my head liked it.
I feel like this game was pretty good. I didn't really have much trouble moving the objects, like a lot of other people lol.
SO I PLAYED FURNITURE SERVICE AND THIS HAPPENED.
ok, this melted my pc a bit, but nice suff I guess.
(YOur game begins at 36:30)
I am sorry to say that this one just ended up making me laugh. It's not even that it's a bad premise - emptying out whole streets of furniture after a disaster is a great idea for a setting for a horror game. But with very little happening and the payoff being completely random, it frankly just got ridiculous to me. You clearly have the means and ideas for something that makes a little more sense and is more intense, however, and I would love to see something more polished from you in the future.
Liked the screen visual. Staircase broke me for it is god and I cannot it. My telepathetic powers were pathetic.
Not gunna lie, this game got me a fair few times. The music box was a nice touch as they are always creepy.
I thought this game was fairly good, but the only thing that I found to be an issue was picking up certain objects. But I liked the game overall and think it was spooky.
This game had a good premise, only issue I had was that picking up items was so darn difficult that it became more the horror of the game. I like the ending though.
esta entretenido xd.
soy nuevo en la plataforma :D.
si quieres apoyarme con un like y compartiendo es suficiente.
This game has you performing nonsensical monotonous tasks whilst easily missable scary stuff happens. The premise doesn't make a great deal of sense and the ending falls flat, although it was quite a surprise to see Sir Daniel Fortesque. Times must be tough for the former Hero of Gallowmere.
Pros and cons are down below) Check out my vid here (subs and likes are highly appreciated)):
Advantages :
1. I was on edge the whole time playing that. The ambiance and a few jumpscares here and there were very potent.
2. The monster at the end was very creepy. And funny as well for some reason. Maybe it would be better to make another appearance of this monster as it's pretty cool. But it's hard to get scared when it's shaking his head aroung like that, you know.
Disadvantages :
1. The ending was a bit anticlimactic. I don't know what I expected but I definitely expected something different.
2. Maybe a bit more background music would be nice. I mean as unsettling as the experience was, upon editing the vid, I realised that it was a bit boring walking around in the darkness.
3. It's a bit weird how there is only one object of furniture to be moved frome the houses. Looks a lot more like robbery but still kinda weird.
Overall :
I enjoyed the game. I think if it would make a bit more sense and the appearance of the monster at the end would be a bit different then it would be a 5/5 star experience. Right now, I'm going to rate it 4/5 stars as I see room for improvement. Still, the game was pretty good and I had fun playing it, keep up the great work!
Why BBA LIBOR Was Replaced by ICE LIBOR.
The London Interbank Offered Rate (LIBOR) is the world’s most important benchmark interest rate that is widely used as a reference rate or index rate for financial instruments and loan products totaling hundreds of trillion of dollars across the globe.
The LIBOR, a multi-use rate, sets the base for the borrowing of unsecured short-term funds between large banks in the interbank market, as well as for calculating the interest rate throughout the world on different kinds of loans.
Until January 31, 2014, the LIBOR was prefixed with BBA, known as BBA LIBOR, as it was administered by the British Bankers Association (BBA). However, On February 1, 2014, the Intercontinental Exchange Benchmark Administration Limited took over the administration of the LIBOR, changing it to the ICE LIBOR. п»ї п»ї
The Intercontinental Exchange, the authority responsible for LIBOR, will stop publishing one-week and two-month USD LIBOR after Dec. 31, 2021. All other LIBOR will be discontinued after June 30, 2023.п»ї п»ї п»ї
Origins.
The origin of the LIBOR goes back to the late 1960s when Minos Zombanakis, a Greek banker organized a syndicated loan worth $80 million for the Shah of Iran from the newly opened London branch of Manufacturers Hanover (now part of JPMorgan Chase).
The loan was pegged to the average of reported funding costs by a few reference banks. The system eventually evolved and was taken over in 1986 by the British Bankers Association (BBA), which formalized the process related to governance and data collection. п»ї п»ї
Manipulation.
The question over LIBOR’s credibility surfaced for the first time during the financial crisis of 2007, when the much-followed rate behaved abruptly and out of line, given other market rates and prices.  
In the following years, financial regulators and some public authorities looked into the alleged manipulation of the LIBOR. These investigatory processes exposed many weaknesses of the LIBOR, challenging its credibility as a standard. The main observations were:
There was a decline in the use of transaction data for LIBOR submissions. The submissions that compile the rate were “subject to manipulation” by banks, as such manipulation could help them project better creditworthiness or improve their trading positions. The administrative system of the LIBOR had loopholes that provided opportunities to the contributing banks to maneuver rates to suit them. The governance system lacked adequate transparency and accountability resulting in repeated attempts of manipulation.
Though it was clear that some serious misconduct was taking place with regards to LIBOR submissions, nothing substantial was revealed until 2012, when it became clear that banks were misusing their influence over the LIBOR. Investigations over the alleged rigging of the LIBOR were initiated into more than a dozen banks.
The list notably involved Barclays Bank PLC (BARC), UBS (UBS), Royal Bank of Scotland (RBS), HSBC (HSBC), Bank of America (BAC), Citigroup (C), JPMorgan Chase (JPM), The Bank of Tokyo-Mitsubishi UFJ (BTMU), Credit Suisse, Lloyds (LLOY), WestLB, and Deutsche Bank (DBK).
In June 2012, Barclays Bank was fined ВЈ59.5 million by the Financial Services Authority (FSA) for failings related to the LIBOR and EURIBOR in accordance with the Financial Services and Markets Act 2000, mostly between 2005 and 2009. Since Barclays agreed to an early settlement, the fine of ВЈ85 million worked out to be ВЈ59.5 million after a 30 percent discount. п»ї п»ї
Barclays was also fined $360 million by U.S. authorities for tampering and false reporting of the EURIBOR and LIBOR between 2005 and 2009. п»ї п»ї
Wheatley’s Recommendation.
In June 2012, soon after Barclays findings were announced (which was only one of the many investigations), the UK Chancellor of the Exchequer commissioned Martin Wheatley (then Managing Director of the Financial Services Authority and Chief Executive designate of the Financial Conduct Authority) to set up an independent review of the various aspects of the LIBOR.
The most important recommendation made by the Wheatley Review of LIBOR (Final Report) was to hand over the LIBOR to a new administrator. According to the Wheatley Review, “The BBA should transfer responsibility for LIBOR to a new administrator, who will be responsible for compiling and distributing the rate, as well as providing credible internal governance and oversight. This should be achieved through a tender process to be run by an independent committee convened by the regulatory authorities.”  
Following the Wheatley Review Recommendation, the Hogg Tendering Advisory Committee selected a new administrator of LIBOR via a rigorous competitive tender process. The Hogg Tendering Advisory Committee recommended the Intercontinental Exchange Benchmark Administration (IBA) as the new administrator in mid-2013.
Intercontinental Exchange Group (ICE), a prominent name in the financial world, has a vast network of regulated exchanges and clearinghouses for commodity and financial markets. The IBA, British Bankers Association (BBA), and other industry organizations have worked together to ensure a smooth transition of BBA LIBOR to ICE LIBOR.
And on February 1, 2014, ICE Benchmark Association became the official administrator of the LIBOR, bringing more transparency, as well as a robust oversight and governance framework. п»ї п»ї
Furniture Service.
A downloadable game for Windows and Linux.
It was 15 years ago that all people disappeared from a street within a year. Meanwhile the houses are dilapidated and should be demolished only a few pieces of furniture are left. A mover will remove them.
Walk W, A, S, D Pick up object Hold LMB Open clipboard Tab.
If you want to support us.
Download.
Comments.
i had issues walking up stairs for some reason so i couldn't progress in the game.
lol this was a bad idea why would you ever do this alone at night СЂСџВ‚ СЂСџВВ± starts @01:20.
great game that jump scare really got me at the end but overall great game.
This game was interesting? First is the story it wasn't very believable there was no investigation and the people weren't found with the blood around. few of the sounds in i could tell i wasn't in very much danger which took away the overall creep factor and immersiveness of it. It did get me pretty good with the music box and the jumpscare though! If this is a first game i completely understand the other things going on! Here's my playthrough if you wanna see! it starts at 6:12.
I liked this. You actually jump scared me. Good Job!
Found some bugs and the fact that i can't go up the stairs normally, screwed up the entire gameplay. Make a jumping feature or something so we can go up the stairs normally.
here's my poop gameplay.. like the game man.. keep it up and scare us like u scare ur sister.
Tried out your game.
Was a really, really fun game. The atmosphere you built was fantastic and the story behind the game was great too. (Video below if anyone wants to watch!)
Only thing I would suggest is maybe adding a build up to the final monster and making him more visible in the houses or in the distance or things like that. And maybe add little notes in the houses to tell the stories of the people living there and then add up to the whole story as a whole.
And also the picking up was a little annoying at times as the items wouldn't pick up, and some doors would close in and not allow the item to come through.
Other than that, it was a great game with a great feel to it. Would definitely recommend playing it. It was pretty spooky and really well made!
9/11/2020 21:05 argentinian horariur.
im gonna play this game on my stream, i hope i shit my pants and get a boner uWu.
9/11/2020 21:20 noruegan horario.
I finish this game in 5 minutes, at leats is longer than me in bed touching your mom foot.
2/5 oranges, better play this instead assanssin creed valhalla xd.
This game awesome as fuck.
Shut the fuck up :|.
Sorry i thought i was texdting my friend.
stop talking to yourself, when you can talk to me! twitch.tv/etso.
i get scared way to easiely.
me too man, twitch.tv/etsol.
Very cool and scary.
TOTALLY CREEPY FEELS! Had fun with some of the glitches but overall fun but creepy game! Those jumpscares got me gooooood! Thanks for an awesome game!
Furniture Service, you run across the street back and forward back and forward until you have successfully used your telepathy to steal random household appliances. In the midst of all this, the main character hallucinates a skeleton that can lift a skeleTON. The filter used over the UI is potentially the most distracting filter I have seen in any game, congratulations on that front. But as far as indie horror game trigger tests go, this could certainly be worse. Good Job.
On a more serious note, many hitboxes and invisible walls need to be addressed as I somehow came into contact with every single one. Which makes it rather hard to stay immersed when half the house you are currently moving (looting) is inaccessible due to some invisible force.
The ambiance was also lacking, outside of the non-stop buzzing from the scan lines in the video.
More cynical posturing in the video below.
i love this game it made me very hard and the demons in my head liked it.
I feel like this game was pretty good. I didn't really have much trouble moving the objects, like a lot of other people lol.
SO I PLAYED FURNITURE SERVICE AND THIS HAPPENED.
ok, this melted my pc a bit, but nice suff I guess.
(YOur game begins at 36:30)
I am sorry to say that this one just ended up making me laugh. It's not even that it's a bad premise - emptying out whole streets of furniture after a disaster is a great idea for a setting for a horror game. But with very little happening and the payoff being completely random, it frankly just got ridiculous to me. You clearly have the means and ideas for something that makes a little more sense and is more intense, however, and I would love to see something more polished from you in the future.
Liked the screen visual. Staircase broke me for it is god and I cannot it. My telepathetic powers were pathetic.
Not gunna lie, this game got me a fair few times. The music box was a nice touch as they are always creepy.
I thought this game was fairly good, but the only thing that I found to be an issue was picking up certain objects. But I liked the game overall and think it was spooky.
This game had a good premise, only issue I had was that picking up items was so darn difficult that it became more the horror of the game. I like the ending though.
esta entretenido xd.
soy nuevo en la plataforma :D.
si quieres apoyarme con un like y compartiendo es suficiente.
This game has you performing nonsensical monotonous tasks whilst easily missable scary stuff happens. The premise doesn't make a great deal of sense and the ending falls flat, although it was quite a surprise to see Sir Daniel Fortesque. Times must be tough for the former Hero of Gallowmere.
Pros and cons are down below) Check out my vid here (subs and likes are highly appreciated)):
Advantages :
1. I was on edge the whole time playing that. The ambiance and a few jumpscares here and there were very potent.
2. The monster at the end was very creepy. And funny as well for some reason. Maybe it would be better to make another appearance of this monster as it's pretty cool. But it's hard to get scared when it's shaking his head aroung like that, you know.
Disadvantages :
1. The ending was a bit anticlimactic. I don't know what I expected but I definitely expected something different.
2. Maybe a bit more background music would be nice. I mean as unsettling as the experience was, upon editing the vid, I realised that it was a bit boring walking around in the darkness.
3. It's a bit weird how there is only one object of furniture to be moved frome the houses. Looks a lot more like robbery but still kinda weird.
Overall :
I enjoyed the game. I think if it would make a bit more sense and the appearance of the monster at the end would be a bit different then it would be a 5/5 star experience. Right now, I'm going to rate it 4/5 stars as I see room for improvement. Still, the game was pretty good and I had fun playing it, keep up the great work!
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