In 2009, I became extremely concerned with the concept of Unique Identity for various reasons. Connected with many like minded highly educated people who were all concerned.
On 18th May 2010, I started this Blog to capture anything and everything I came across on the topic. This blog with its million hits is a testament to my concerns about loss of privacy and fear of the ID being misused and possible Criminal activities it could lead to.
In 2017 the Supreme Court of India gave its verdict after one of the longest hearings on any issue. I did my bit and appealed to the Supreme Court Judges too through an On Line Petition.
In 2019 the Aadhaar Legislation has been revised and passed by the two houses of the Parliament of India making it Legal. I am no Legal Eagle so my Opinion carries no weight except with people opposed to the very concept.
In 2019, this Blog now just captures on a Daily Basis list of Articles Published on anything to do with Aadhaar as obtained from Daily Google Searches and nothing more. Cannot burn the midnight candle any longer.
"In Matters of Conscience, the Law of Majority has no place"- Mahatma Gandhi
Ram Krishnaswamy
Sydney, Australia.

Aadhaar

The UIDAI has taken two successive governments in India and the entire world for a ride. It identifies nothing. It is not unique. The entire UID data has never been verified and audited. The UID cannot be used for governance, financial databases or anything. It’s use is the biggest threat to national security since independence. – Anupam Saraph 2018

When I opposed Aadhaar in 2010 , I was called a BJP stooge. In 2016 I am still opposing Aadhaar for the same reasons and I am told I am a Congress die hard. No one wants to see why I oppose Aadhaar as it is too difficult. Plus Aadhaar is FREE so why not get one ? Ram Krishnaswamy

First they ignore you, then they laugh at you, then they fight you, then you win.-Mahatma Gandhi

In matters of conscience, the law of the majority has no place.Mahatma Gandhi

“The invasion of privacy is of no consequence because privacy is not a fundamental right and has no meaning under Article 21. The right to privacy is not a guaranteed under the constitution, because privacy is not a fundamental right.” Article 21 of the Indian constitution refers to the right to life and liberty -Attorney General Mukul Rohatgi

“There is merit in the complaints. You are unwittingly allowing snooping, harassment and commercial exploitation. The information about an individual obtained by the UIDAI while issuing an Aadhaar card shall not be used for any other purpose, save as above, except as may be directed by a court for the purpose of criminal investigation.”-A three judge bench headed by Justice J Chelameswar said in an interim order.

Legal scholar Usha Ramanathan describes UID as an inverse of sunshine laws like the Right to Information. While the RTI makes the state transparent to the citizen, the UID does the inverse: it makes the citizen transparent to the state, she says.

Good idea gone bad
I have written earlier that UID/Aadhaar was a poorly designed, unreliable and expensive solution to the really good idea of providing national identification for over a billion Indians. My petition contends that UID in its current form violates the right to privacy of a citizen, guaranteed under Article 21 of the Constitution. This is because sensitive biometric and demographic information of citizens are with enrolment agencies, registrars and sub-registrars who have no legal liability for any misuse of this data. This petition has opened up the larger discussion on privacy rights for Indians. The current Article 21 interpretation by the Supreme Court was done decades ago, before the advent of internet and today’s technology and all the new privacy challenges that have arisen as a consequence.

Rajeev Chandrasekhar, MP Rajya Sabha

“What is Aadhaar? There is enormous confusion. That Aadhaar will identify people who are entitled for subsidy. No. Aadhaar doesn’t determine who is eligible and who isn’t,” Jairam Ramesh

But Aadhaar has been mythologised during the previous government by its creators into some technology super force that will transform governance in a miraculous manner. I even read an article recently that compared Aadhaar to some revolution and quoted a 1930s historian, Will Durant.Rajeev Chandrasekhar, Rajya Sabha MP

“I know you will say that it is not mandatory. But, it is compulsorily mandatorily voluntary,” Jairam Ramesh, Rajya Saba April 2017.

August 24, 2017: The nine-judge Constitution Bench rules that right to privacy is “intrinsic to life and liberty”and is inherently protected under the various fundamental freedoms enshrined under Part III of the Indian Constitution

"Never doubt that a small group of thoughtful, committed citizens can change the World; indeed it's the only thing that ever has"

“Arguing that you don’t care about the right to privacy because you have nothing to hide is no different than saying you don’t care about free speech because you have nothing to say.” -Edward Snowden

In the Supreme Court, Meenakshi Arora, one of the senior counsel in the case, compared it to living under a general, perpetual, nation-wide criminal warrant.

Had never thought of it that way, but living in the Aadhaar universe is like living in a prison. All of us are treated like criminals with barely any rights or recourse and gatekeepers have absolute power on you and your life.

Announcing the launch of the # BreakAadhaarChainscampaign, culminating with events in multiple cities on 12th Jan. This is the last opportunity to make your voice heard before the Supreme Court hearings start on 17th Jan 2018. In collaboration with @no2uidand@rozi_roti.

UIDAI's security seems to be founded on four time tested pillars of security idiocy

1) Denial

2) Issue fiats and point finger

3) Shoot messenger

4) Bury head in sand.

God Save India

Showing posts with label Sudha Pillay. Show all posts
Showing posts with label Sudha Pillay. Show all posts

Saturday, March 31, 2012

2482 - House panel raps Planning Comm for breach of trust on new UID law - The Pioneer


House panel raps Planning Comm for  breach of trust on new UID law


Friday, 30 March 2012 00:40Seema Sindhu | New DelhiHits: 270


Although the differences between the Planning Commission and the Home Ministry on Aadhaar or Unique Identification (UID) have been resolved, problems for the Plan Panel are not over yet. Now, the Plan Panel has been lambasted for breach of trust by the Parliamentary Standing Committee on Finance. The committee had raised concerns on some of the proposals of the National Identification Authority of India Bill, 2010 and asked the panel to re-introduce the Bill accordingly but it didn’t do the same but got more fund allocated for the project instead.

In a meeting on Wednesday, Committee Chairman Yashwant Sinha blasted the Plan Panel for its failure to re-introduce the UID Bill. According to highly-placed sources, Sinha sternly told Plan Panel Member Secretary Sudha Pillai that the panel was “bypassing parliamentary procedure and inviting serious problems by not having re-introduced the Bill and simultaneously making further fund allocations for the project”.

In December last year, the Committee had asked the Plan Panel to re-work the UID Bill, 2010. The Bill proposed for the creation of the National Identity Authority of India, which would oversee the implementation of the Aadhaar project. The Bill was to ensure that the authority has the legal footing to execute the project. It also sought to define the penalties for misuse of the data collected under the UID project.

The Committee had said that the Bill was “unacceptable” in its present form. It had also raised concerns over the cost of the project, lack of clarity on the total expenditure on the project, privacy of the data collected under the project.

After which the Panel had withdrawn the Bill and said that it would introduce a new Bill seeking enactment of UID into a law. While this has not happened yet, Finance Minister Pranab Mukherjee allocated Rs 1,758 crore more for the project in the Budget 2012-13. The Government has already spent Rs 14,232 on the project. Sinha cited this and said that this is violation of parliamentary procedure.

In addition, in January this year, the Government had also extended the mandate Unique Identification Authority of India’s (UIDAI) to enrol an extra 40 crore people. Putting the conflict between the Plan Panel and Home Ministry on the duplication issues to rest, the Government had cleared the UIDAI’s proposal to enrol an extra 40 crore people in 16 States, saying the biometrics in other States will be collected under the National Population Register project.

The Unique Identification Authority of India (UIDAI) was created in January 2009 and had been mandated to register 20 crore people for providing a unique identification number, the ‘Aadhar’, by March 2012. The Authority is set to cross the target by the end of this month, with a million enrolments every day.

While the project has been surrounded a number of controversies, it is considered very important from the point of view that it will not only provide each citizen an identification card ensuring online verification and help financial inclusion, but also check pilferage in various social sector programmes which involve huge subsidies.

Sinha has asked the Panel to come up with a reply within next 10 days.


Friday, November 4, 2011

1759 - UID: A quixotic idea, draining money, making little headway Why not integrate it with census exercise? - Organiser

COVER STORY
Source: Organiser      Date: 10/31/2011 12:07:49 AM

UID: A quixotic idea, draining money, making little headway
Why not integrate it with census exercise?

By Ravi Shanker Kapoor

There’s no trick to being a humorist when you have the whole government working for you, said American entertainer Will Rogers. 

The antics of the United Progressive Alliance (UPA) government would indeed have been laughable were it not for the deplorable consequences for public finance, bureaucracy, and the polity. A recent and high-profile instance of the UPA’s quixotic feats is the Nandan Nilekani-led Unique Identification Authority of India (UIDAI).
 
The UIDAI, whose brand name is ‘Aadhaar’, is mandated to capture biometric details regarding ten fingerprints and the iris and face images as part of the enrolment process. As the UIDAI website says, “Unique identification project was initially conceived by the Planning Commission as an initiative that would provide identification for each resident across the country and would be used primarily as the basis for efficient delivery of welfare services.” The UIDAI was finally created as an attached office under the Planning Commission.
 
But the census office is also involved in a similar exercise. As its website says, “The NPR [National Population Register] would be a Register of usual residents of the country. The NPR will be a comprehensive identity database that would help in better targeting of the benefits and services under the Government schemes/programmes, improve planning and help strengthen security of the country. This is being done for the first time in the country.”
 
Further, the NPR is a “statutory exercise,” as it “is being created under the provisions of the Citizenship Act and Rules.” So, the billion dollar question is: What is the raison d’etre of the UIDAI?
 
At a time when the government is facing resource crunch and the fiscal deficit is going skywards, what is the point in doing an exercise twice? Actually, it will be thrice! As the census office website says, “The data collected in the NPR will be subjected to de-duplication by the UIDAI. After de-duplication, the UIDAI will issue a UID Number. This UID Number will be part of the NPR and the NPR Cards will bear this UID Number. The maintenance of the NPR database and updating subsequently will be done by the Office of Registrar General and Census Commissioner, India.” Isn’t it terribly complicated? Can’t our government do things in a simple, transparent manner?
 
Our babus can’t do a single thing properly. But here they are supposed to do an important job twice, and then remove the redundancies that might have crept in!
 
Anyway, all this costs money, a lot of money. Nilekani wants to record biometrics for the entire population, an exercise that will require almost Rs 15,000 crore. The ‘minimum duplicate expenditure’ has been reportedly estimated in the region of Rs 10,000 crore, and this could reach Rs 40,000 crore.
 
Expressing concern about expenditure and duplication, Planning Commission Deputy Chairman Montek Singh Ahluwalia wrote a letter to Home Minister P. Chidambaram on August 30. According to Ahluwalia, the census office had informed the plan panel that “duplication cannot be avoided.”
Planning Commission Member Secretary Sudha Pillai told a news channel, “We want to avoid the duplication of data and of expenditure.” While Ahluwalia later did a somersault and came out in support of Nilekani’s revenue-guzzling project, Pillai courageously took on the former corporate czar.
 
This is despite the fact that Nilekani is divinely-ordained to do ‘Aadhaar’ work. Yes divinely, because Congress president Sonia Gandhi, the ruling deity of the UPA regime, has blessed him. Last year, she praised him for the “historic” project.
Besides the Empress, the Crown Prince has also endorsed ‘Aadhaar’. At Amethi recently, Rahul Gandhi said, “Under the scheme, thumb impression of people are being taken and a number is being allotted to each of them. This number will be their identity. An unique identity is being created for each Indian.”
 
How will it help the people? He explained, “After this, whatever money we will send from Delhi will directly reach your bank accounts.” Further, he said, “in next two to three years, we will distribute ‘Aadhaar’ cards to all Indians so that whatever money is allocated it reaches directly to the pocket of the people.” Notice “we.” Rahul baba clearly thinks that he and his party are destined to rule the country for eternity—and, till eternity, “we” will persist in efforts to remove poverty. The money he and his party intend to send “directly to the pocket of the people” is, by the way, taxpayer’s money, not from the coffers of the grand old party. It seems he also confuses the world’s largest democracy with the family estate and family-run party.
 
There is an unstated premise in his remarks: the poor are so helpless, slothful, and unintelligent people that they cannot get out of their misery without our help. But “we,” who have been divinely anointed to redeem the poor, will do our job. Hence his full backing to Aadhaar.
 
But Pillai remains undaunted despite her boss’s capitulation to political pressure. A month after her statement to the news channel, she told a newspaper, “We have raised the issue of double and excessive expenditure and had been trying to prevent any adverse comment later on.” Hats off to you, Lady!
 
The UPA government, however, is not bothered about any future controversy or allegations of financial impropriety. Embroiled in countless scams, it seems to have a developed thick skin; accusations don’t disturb it anymore.
 
‘Aadhaar’ has received criticism from various quarters. At a Parliamentary panel meeting, the Bharatiya Janata Party said that the project would help illegal migrants. While Mainul Hassan of the Communist Party of India (Marxist) found the entire exercise “unnecessary,” a Bahujan Samaj Party representative questioned the usefulness of the programme. But political resistance cutting across ideological lines has failed to make the government see reason.
 
Expert opinion is not much different. Issuing UIDs based on NPR data will help illegal aliens get these numbers, former deputy registrar general (census and tabulations) SP Sharma told a newsmagazine. “They would be entitled to obtain Indian passport, register their names in the electoral rolls, obtain identity card issued by the Election Commission of India, get ration cards and open bank accounts. All this will make them eligible to contest elections at all levels, and even enter the police and armed forces.”
 
UIDs seem to have the potential of playing havoc with national security, indeed subverting the Indian Republic. But She-who-must-be-obeyed is not concerned, nor is Manmohan Singh, who is said to be the Prime Minister and is ex-officio Chairman of the Planning Commission.
 
Quite apart from being repugnant to commonsense, ruinous for the exchequer, and latently disastrous for security and defence, ‘Aadhaar’ has also the potential of upsizing government. Bureaucracy, they say, gives birth to itself and then expects maternity benefits. The UIDAI that has been created to execute an idiotic idea will surely perpetuate itself and become another burden for the taxpayer.
 
Then there is the issue of civil liberties and individual privacy. Ironically, members of the National Advisory Council (NAC) and other organisations, who always clamour for improvement in the ‘delivery mechanism’ of welfare schemes, have opposed the UIDAI. Jean Dreze, for instance, called the UID a national security project in the garb of a social policy initiative (as if anything pertaining to improving national security were sinful, but that is another story). “I am opposed to the UID project on grounds of civil liberties. Let us not be naive. This is not a social policy initiative—it is a national security project.”
 
Human rights activist Gopal Krishna is another activist firmly opposed to the UID. He says that the project has a precedent in Nazi Germany and South Africa.
 
Last year, the new UK government scrapped the National Identity Card as it was criticised for being too costly and an       infringement of civil liberties. The cards contained biometric data. Explain the rationale for the abrogation of cards, Home Secretary Theresa May said that her government wanted “to reduce the control of the state over decent, law-abiding people and hand power back to them.” The UPA, on the other hand, is trying to keep the citizenry under leash, notwithstanding its sanctimonious regard for liberal principles. 
 
There are also the issues of privacy of individuals and confidentiality of personal information. As the Niira Radia tape leak showed, not only the privacy of any person can be violated by government agencies but it can be divulged to the media and broadcast electronically.
 
But the UPA regime is determined to introduce ‘Aadhaar’. And so is Nilekani. Let’s us try to understand why.
 
In the United States, industrialists donate vast sums from their lifetime earnings to philanthropic purposes; this is one of the reasons that it is the world’s mightiest nation. Public spirited businessmen get seriously involved in charitable activities; they set up think-tanks which sponsor independent research and promote the cause of freedom in politics and economy. In the wonder that is India, however, retired and semi-retired businessmen become bores. They lecture at the jamborees organised by media houses how India can become a superpower, how poverty can be eradicated, etc. From corporate management to moral science, there is only one step. Nilekani is a permanent fixture at such circuses where everybody says nice things about everybody else.
 
In fact, the former Infosys CEO is cleverer than American tycoons: he wants to be known as a great philanthropist without spending a penny from his own pocket. The taxpayer will end up suffering because of the fool hardy idea that he is executing. Paraphrasing Rhodes, we can say that philanthropy is good, but with somebody else’s money it is a good deal made better. 

Friday, October 21, 2011

1713 - Plan panel to seek govt nod for Phase II of Aadhaar scheme -Business Standard

Press Trust of India / New Delhi October 20, 2011, 19:36 IST

The Planning Commission today said that it would soon seek Cabinet nod for the second phase of the Aadhaar scheme under which national identity cards are issued.
"The Unique Identification Authority of India [UIDAI] has to get periodic approval [from government]. For the second phase of the Aadhaar, we are preparing a Cabinet note," Planning Commission Deputy Chairman Montek Singh Ahluwalia said while addressing the Economic Editors' Conference here.

The UIDAI, headed by Nandan Nilekani, is entrusted with the task of generating the Aadhaar unique identity cards and so far it has enrolled 10 crore citizens under the scheme and issued unique indentity numbers to 5 crore people.

Under the first phase of the project, UIDAI is to enrol 20 crore citizens by March 2012. The project aims to provide about 60 crore unique identification numbers by 2014.

The scheme was launched in September 2010 and is intended to improve implementation of social sector schemes of the government. Aadhaar identity cards are accepted as valid documents under the Know Your Customer (KYC) norms for opening bank accounts, securing mobile connections and cooking gas connections.

The Aadhaar cards will also be used to plug leakages in the government's poverty alleviation programme. The Task Force on Direct Subsidies, also headed by Nilekani, has been tasked to prepare a payment infrastructure based on the scheme.

Ahluwalia also clarified that there were no differences within the government over financial and executive authority of the UIDAI.

"UIDAI is getting our full support. We have resolved all issue related to the financial and executive authority of the body and it has been approved by the Finance Ministry," he said.

Earlier this month, he had met Expenditure Secretary to sort out the differences between the Commission and the authority regarding the functional autonomy of the UIDAI.

The controversy had erupted after Plan panel Member- Secretary Sudha Pillai had reportedly expressed reservations over UIDAI's functioning. In a letter to the Finance Ministry, she had suggested a relook into the structure of UIDAI.

Pillai had reportedly said that the Authority did not get any of its financial proposal examined by the Plan panel's Secretary or Financial Adviser.

Nilekani, however, had last month asserted that the Authority was working under a set government framework and on the basis of powers delegated to it by Prime Minister.

"We are working within the powers granted to us. If somebody feels that power should be different, then that is a different matter," Nilekani had said.

Saturday, October 15, 2011

1698 - The Officer Raj by Shekhar Gupta - Indian Express

Posted: Sat Oct 15 2011, 01:38 hrs

On the last working day of September, the Nandan Nilekani-led UID Authority received a rather clinical-sounding communication from the Comptroller and Auditor General of India (CAG), informing him that he was sending in a team to conduct a performance audit of UPA 2’s flagship programme. This was to be a performance audit. Now, UID was not due for audit this year, so this was some kind of special initiative. And sudden too. Because on the morning of the very next working day, October 3, Monday, the CAG team was sitting in the UID offices. It was almost like a tax or CBI raid.
 
Now, you could argue either way on the constitutionality or justification behind such a sudden move, particularly when there hasn’t been even a whiff of any financial wrongdoing on the part of the UID. Even in terms of performance, its work has hardly gathered pace, so it may be much too premature for audit evaluation. But while there are no charges of wrongdoing of any kind against the UID yet, it has been dragged into a bureaucratic turf battle with some sections of the Planning Commission, and it is no secret on Raisina Hill that the opposition to the project (and the relative financial autonomy given to it) is led by Sudha Pillai, a redoubtable IAS officer now serving as secretary to the Planning Commission. 

To be fair, she has been open in questioning certain aspects of the way the project is being run. And it is probably only a coincidence that the current CAG, Vinod Rai, not only happens to be her 1972 batchmate, but also shares with her their parent cadre of Kerala.
 
We have no evidence at all of the two working in concert in any way, and so let us simply presume that each one has been acting on his/ her own, driven by bona fide doubts about the project. But what is evident is that each of them is at least individually challenging a programme so precious not only to this government, but also to the UPA’s top leadership, the Gandhis. Let’s not take a position on whether this is a good or a bad thing. Let us simply say that such things are nearly unprecedented in New Delhi.
 
If you’ve been observing our politico-bureaucratic complex closely over the past few months, you will find many such things that were hitherto unthinkable, or at least extremely rare. Some examples:
 
On July 29, Ashwani Kumar, minister of state for science and technology, threw a dinner party in honour of the new cabinet secretary and CVC, to which other senior political leaders and even top diplomats were invited. Now, how often have you seen ministers holding parties to welcome new bureaucratic appointees? In the British system we follow, in fact, the cabinet secretary is the clerk of the cabinet.
 
Just a fortnight back, the Indian Coast Guard took out advertisements (including in this paper) announcing the launch of two new ships. One of these was launched by the wife of the secretary, defence production, and the other by the wife of the joint secretary. So far, you thought these ceremonial, publicised launches were the privilege of the political class. With the politicians hiding in bunkers now, came the bureaucrats. And now their wives have joined the party too.
 
Almost every day now, you see civil servants, particularly those from economic ministries, on your TV screens. From finance to power to coal to oil and gas, almost all key economic ministries have seen their top civil servants emerge as their most visible spokespersons. On top of this bureaucratic star cast was, of course, our former home secretary G.K. Pillai. In fact, the only truly invisible civil servant is the seniormost of them all, the cabinet secretary, who, such a nice, self-effacing man, will most likely tell you that that is the way it is meant to be.
 
This government is under a legal assault of sorts from more civil servants retired from top positions than any in India’s history. At least three former chief election commissioners, one former cabinet secretary, 17 former Central government secretaries or equivalent and four former DGPs are in court, mostly with PILs, against this government. 

This list also includes a real surprise, a former air chief, Air Chief Marshal S. Krishnaswamy, who has joined a PIL questioning the appointment of directors to SEBI. And as this is being written, a group of former high-ranking government officials, led by former Union cabinet secretary T.S.R. Subramanian, and including former CEC N.

Gopalaswami among others, have filed a petition in the Supreme Court challenging the Civil Liability for Nuclear Damage Act, 2010. It seeks a stay on all proposed nuclear plants till a safety reassessment of all nuclear facilities in India and a cost-benefit analysis of nuclear plants are carried out.
 
As they would say in bureaucratese, this list is by no means conclusive, or even exhaustive. But it does give you the picture. That with the weakening of the political authority of UPA 2, with its ministers hiding in fright rather than going out to explain, support and be accountable for their decisions, our civil services are enjoying a golden era of unfettered, unquestioned power. They are controlling their ministries, with the political bosses afraid of questioning any bureaucratic input as it would later be seen as a scam by a regulator or anti-corruption watchdog (CAG, CVC, even the CBI), all totally manned by brethren in the same civil service. The result is indeed an unprecedented civil service coup.
 
You may also want to add to it the fact that most of the civil society groups — on all sides — are led by former bureaucrats (N.C. Saxena, Aruna Roy and Harsh Mander of Sonia Gandhi’s NAC; Kiran Bedi and Arvind Kejriwal of Anna’s team; and E.A.S. Sarma, B.D. Sharma and others of the anti-big project opposition loosely built around Medha Patkar). From all formulations it now also seems that the new Lokpal, whatever the nature of the final bill, would also be mostly manned by former bureaucrats, selected by a committee with a preponderance of their own former colleagues.
 
Can you blame the bureaucracy for this? Maybe not, because they are simply walking into a vacuum left behind by a political leadership which is not willing to stand up for its beliefs, convictions, or even bona fide decisions. This is the main reason it has got itself into such a jam on the 2G scam. 

With no real centre of gravity in UPA 2, its ministers are caught in an every-man-for-himself mindset. It’s been ceding ground which legitimately belongs to an elected government, to all claimants: the judiciary, civil society, RTI leaders, and now its own civil servants. The net result is this creeping acquisition of state power by the civil service. The state of this government is best characterised by that brutal, if sexist, old saying from the Hindi heartland: garib ki joru, sab ki bhaujai (a weak man’s wife is everybody’s sister-in-law).
 
Is this is a good thing, or a bad thing? Many, in fact most, of these civil servants are probably honest, well-meaning Indians — so what is wrong if they displace our bumbling politicians?
 
I am reminded of a story that former US Ambassador to India Robert Blackwill says he would tell routinely to his students at Harvard University’s Kennedy School. Bureaucrats, he said, were like doctors and nurses in the emergency ward of a hospital. When a patient was wheeled in, their job was to follow Standard Operating Procedure (SOP) and wait for the specialists (the political leaders) to arrive next morning. The politicians would then decide what to do with the patient, and the bureaucrats would, in turn, implement those instructions. 

But you can imagine what would happen if people trained to follow SOPs took over the job of the specialists in a country as challenging to govern as India. The result would be a government in deep freeze, incapable of taking decisions, running on mere SOPs. In brief, a government in the emergency ward, which is as good a way as any to describe UPA 2 today.
 
sg@expressindia.com