The memorial lights of 9|11 have shined into the night sky every year on the anniversary of that fateful day in 2001. These lights make two distinct beams that represent the loss of each tower that fell and those lost in them. I captured these lights with my camera during the five years I lived in Manhattan and from many different points of view.
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I used to do all my checking, savings, and have my main credit card with HSBC in Sydney and in NYC. I have a good credit score and was never late on a payment with my credit card, keeping balance usually at $0. I assumed I was a model customer to my bank. In early 2009, I got a notice from HSBC saying they were lowering my available credit limit on my credit card by 97%.
I called HSBC immediately. I explained my shocked disbelief and insisted this must be a mistake to the customer service representative on the phone. She gave no explanation as to why this action had been taken, then went directly into her required up-sell to get me to buy overdraft protection. I hung up on her.
