"Market analysts estimate that the main candidates for future elections continue to show a clear commitment on public finances and reducing deficits. Investors still have confidence in our debt, "assured the FigaroPhilippe Mills, head of Agence France Trésor, the end of January. Debt, however this is a word we have heard since long in the mouth of the two favorites for the 2012 elections, Nicolas Sarkozy and Francois Hollande.

The gigantic figure announced Friday morning by INSEE – 1.7173 trillion euros, or 85.8% of GDP-has something to put the subject at the heart of the debate. And makes an urgent exercise of teaching on how to control deficits and debt, in a context where electoral promises are multiplying. The French in need, who have a concern, as investors continue to regard France as a country whose debt is reliable. And therefore, to lend to Paris to lower interest rate. For the record, this is partly because she did not see how the Hexagon was able to return to the nails of Maastricht that the rating agency Standard & Poor's had deprived him of his AAA mid-January free 3-in-1 credit report.

The right-wing candidate Nicolas Sarkozy promises "a financial closure to the nearest euro" of its program for the next five years if elected. He will detail next week. His rival from left, Francois Hollande, is vague on how to finance a project already well exposed. Just know that it is more by tax increases that cost savings that the Socialist candidate intends to restore order in the French public accounts.

For that stabilizes the debt, the deficit must be approaching 2% (against 5.2% in 2011). France does not expect that to happen before 2014. And to achieve this, efforts will be very important. It is therefore understandable that candidates avoid stress this enough sobering perspective …

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Francois Hollande, who recently announced he would tax 75% had incomes in excess of one million euros, backtracked, while the football world presage an exodus of players. "It would be the death of French football", "would cost a billion euros to French football", "we would lose all TV rights", "It would involve the demotion of the French Ligue 1 in the second division European", etc..

The Socialist candidate, himself a football fan, surely does not expect that its proposal a week ago, for a number of French "symbolic", announces the end of the French favorite sport no fax payday loan. He who was above all the big heads and leaders of countries including those whose salaries "have no connection with the talent, intelligence or effort." And which boasted a "patriotic act" that "agreeing to pay an additional tax to rehabilitate the country."

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The battle between ARCEP, the telecoms regulator, and the Ministry of Industry (through the National Frequency Agency) about the extent of actual coverage of the network of Free Mobile reveals an unprecedented reality. Free Mobile have actually deployed a network covering 27% of the population, as he had promised. But this network is not used by its 1.5 million subscribers, mostly transiting through that of its rival Orange.

This situation is probably temporary, but it calls into question one of the very principles of the 1996 Act on the opening of the telecom market, which promotes competition investment. To be operator of right, we must invest in its own network. Otherwise, it is a mere reseller of airtime, as Auchan Mobile. This principle of law is based on two ideas: it is necessary to stimulate investment in technology and jobs and we have to play the full benefits of competition as an operator with a network is able to offer innovative services.

This is why France has opted for the construction of four mobile network operators for four different full function. Under this principle, Bouygues Telecom has embarked on the adventure of moving in 1996 without using a roaming agreement. The law could have imagined another option: a single network shared among all operators, as is the case with that of Réseau Ferré de France, which will be used to train competitors for SNCF.

Today, the problem is that Free Mobile plays it both ways. Taken to extremes, this precedent could lead mobile operators to choose to play on the roaming network of next generation 4G, which would reduce investment.

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The former stars of mobile phones, Nokia, Motorola, Sony Ericsson, RIM (BlackBerry) and even Microsoft have missed the turn of the smartphone. Can they still get back in the race? Their image is tarnished by this delay. BlackBerry and Nokia-Microsoft duo are the first victims. They are also penalized by the unattractiveness of their application stores. While Apple displays 550,000 applications in its App Store and Google 350,000, for its Android Market, RIM and Windows Phone as having between 10,000 and 50,000. In response, the Canadian has just effected a turnaround first. It is now possible to download applications on its Android tablet playbook. For its part, Microsoft relies on the arrival of its new Windows 8, dedicated to the convergence between tablet PC and smartphone finally manage to win in telephony. Telcos want the arrival of a third player to escape the duopoly Apple / Google. For now, these wishes are not sufficient to ensure a start to a fanfare Windows Phone. Specialists have to find many beautiful virtues, it has sold just over 1 million Lumia (the Windows Phone from Nokia) since their launch in mid-November no faxing payday loans. For Nokia, it's a matter of survival. For Microsoft, success becomes an obligation, in a world where smartphone sales surpassed those of PC.

Motorola bought by Google

"Ten years ago, consumers chose a terminal. Today, they opt first for an ecosystem, "said Pierre Peladeau, an analyst at Booz & Co. And for now, the choices are on Apple and Android. The brands of the 2000s fetish pay the price. Sony Ericsson, soon renamed Sony, seeking to revive the glory. The new product launches are expected to accelerate. For Motorola, the situation is more ambiguous. The former star of mobile telephony, inventor of the clamshell phone, was bought by Google in August. Motorola has released its new Razr Android without the benefit of exclusivity from Google. The latter should spare the susceptibility of its other clients, Samsung, LG and other HTC.

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Hard times for the 380. After the case of microcracks detected in the wing of the superjumbo, Airbus will he deplore a new problem, this time in the "nose" of the device? The European Aviation Safety Agency (EASA) is interested in any case the rivets of radom, that is to say the cover that protects the radar of the aircraft.

The authority may decide to issue in the coming weeks an airworthiness directive (AD) requiring the change of six rivets aluminum rivets titanium stronger. The 19 airlines that operate the world's fleet of 69 A380, eight months have to do this for an average of 3:30. Clearly, they would have time to schedule it as part of their regular maintenance schedule.

After the decision to order the Efsa a general inspection of the planes of A 380 in service and production, totaling one hundred aircraft, the image of the A380 takes another blow. However, this type of airworthiness directive is very common in aviation. All aircraft receive throughout their careers.

Two types of directives

"The FAA, U.S. aviation safety authority, has issued more than 830 airworthiness directives for Boeing B 747 in forty years," says one at Airbus headquarters in Toulouse. "For an airplane, receiving such a directive is as ordinary as to think about changing the wiper blades on your car or an oil change," says one.

The Aesa issues two types of directives: the current, AD, and urgent, called "emergency AD." In the case of microcracks, the two directives were common. The agency goes up a notch when it considers that the subject can affect flight safety. In this case, companies have little time to react, sometimes not even 24 hours.

In the case of rivets, flight safety is affected in any part, Airbus insists. The manufacturer points out that these are not structural elements. Six rivets 40 to 50 by radom "are not likely to blow up" the unit cover.

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A380

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Visa Europe and MasterCard compete imagination to make their cards more attractive. Thus, Visa deploys a program of benefits for some 4.2 million Visa cardholders Prime. They now benefit from price reductions in a list of partner stores (Sephora, Lapeyre, Opinion …) by simply presenting a coupon to download on the Internet (visa.fr). April 1, this program will be expanded to Lenotre, ready-to-wear or Bensimon to Nature and Discovery. "Historically, the world of credit cards was rather that of the travel and leisure. Now the goal is to approach the everyday consumer, "says Catherine Soubirou, partnership manager at Visa Europe. MasterCard, meanwhile, has developed an online shopping mall which also offers discounts to holders of the Gold card.

But for the most prestigious cards, these benefits are not enough. The 150,000 holders of a Visa Infinite card will then be offered, to April 1, new services very chic. As Jet Taxi, which for 2200 euros an hour, take four people in Le Bourget to the destination of their choice. Or the opportunity to attend events are difficult to access (the Grand Prix of Monaco Formula 1, the Cannes Film Festival …).

Extensions guarantees

Open doors to places or events was the confidential trademark of the very VIP Centurion Card from American Express. The same idea will wow now the holders of other cards. MasterCard has already embarked on this path, imagining private parties for its Platinum card holders who dream of visiting a quiet art exhibitions or attend concerts circle. A taste for the Parisians, what awaits them when Paris will join the Priceless Cities program, launched by MasterCard in New York last summer and launched from London and Toronto. It offers cardholders Platinum – but for some offers, a Gold – privileges: previews or priority seating for events to, in the highest rated restaurants

.

"Exclusive offers, which consumers aspire today," says Francois Gandon, marketing manager of MasterCard France. Thus, the card interest is not limited to insurance they offer … even if they are perfected. Visa is for example to review his.  

The foreign assistance was not playing in the event of natural disaster? This exclusion has been removed. Children of divorced or separated parents received guarantees only if the parent traveling with the cardholder? They are now protected even if they move without him. "The goal is to avoid maximum disappointment of our customers, guarantees on misunderstood or exclusions that surprise them," says Emmanuel Robert, head of product offers from Visa Europe France.

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Taeco, headquartered in Xiamen, southeast China, has also opened an investigation into the incident Tuesday. The Chinese maintenance company is a leader in the maintenance of large aircraft and works including Lufthansa, British Airways, American Airlines, JAL and Emirates.

LE FIGARO. – Apple is expected to become world number one personal computer in 2012, according to Canalys.Finally, the HP brand is indisputably linked to our PC.

Why start the Slate 2, your second tablet, sold off after the TouchPad?

We will return on the market shelves. The Slate 2 sign our return. We stopped using the products that our operating system WebOS. We will return in 2012. We will have an Internet Tablet that will use Windows 8 Microsoft.

A tablet is it comparable to a PC?

Not at this time. Internet tablets are mainly used to consume media and e-mails. If you want to use productivity software such as Microsoft, you can not do. Our studies show that this is an additional purchase that does not encroach on the PC market.

Worse, the agency confirmed that the withdrawals were higher than inflows. In October, the balance is negative to the tune of 1.4 billion euros. It is, indeed, a little less bad than a month earlier. In September, withdrawals have exceeded payments of more than 1.8 billion euros.But above all it confirms that life insurance through a bad patch with unprecedented for the first time two consecutive months of negative collection cash advance america.

Questioned by AFP, the FFSA wants to be reassuring. "Let us not forget that these are data points. If you look from the beginning of the vision is very different, "cautions Bernard Spitz, President of the FFSA, underlining that the payments exceed 17.7 billion euros withdrawals in the first ten months of 2011 . A figure that compared to last year's data with the same period, however, shows a precipitous drop of 63%, the statement of the FFSA.

Pensions of baby boomers

These results reflect a combination never seen before, the structural and cyclical factors unfavorable. Life insurance suffers from the retirement of baby boomers. These offset the drop in income by drawing on their life insurance.