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Until recently, people used a technique called symmetric key cryptography to secure information being transmitted across public networks in order to make closing cost shopping more secure. This method involves encrypting and decrypting a closing cost message using the same key, which must be known to both parties in order to keep it private. The key is passed from one party to the other in a separate transmission, making it vulnerable to being stolen as it is passed along. With public-key cryptography, separate keys are used to encrypt and decrypt a message, so that nothing but the encrypted message needs to be passed along. Each party in a closing cost transaction has a *key pair* which consists of two keys with a particular relationship that allows one to encrypt a message that the other can decrypt. One of these keys is made publicly available and the other is a private key. A closing cost order encrypted with a person's public key can't be decrypted with that same key, but can be decrypted with the private key that corresponds to it. If you sign a transaction with your bank using your private key, the bank can read it with your corresponding public key and know that only you could have sent it. This is the equivalent of a digital signature. While this takes the risk out of closing cost transactions if can be quite fiddly. Our recommended provider listed below makes it all much simpler. USCIS (formerly INS) continues to expand online InfoPass service. by: Victor Motak
Citizenship and Immigration Services (formerly Immigration and Naturalization Services, INS) continues to rollout its immigration information by appointment system called InfoPass, with three new USCIS districts added last week. Atlanta, Boston and Houston are the newest additions, making the system now available in almost all major metropolitan areas with large immigrant populations. These areas include Los Angeles, New York and Miami. Along with the Case Status Online service (allows user to check the status of some pending applications, e.g. green card applications) which was made available earlier this year on the Internet, and the electronic filing of the 12 most popular immigration forms, (accounts for more than 50% of all immigration benefit applications filed each year) InfoPass is the newest effort intended to reduce long lines and speed up the processing backlog of services provided by the USCIS. InfoPass allows anyone who is living in a serviced USCIS district and seeking immigration benefits to schedule an appointment with immigration officers via the Internet. The simple to use online system allows users to discuss complex immigration issues with USCIS officials, while avoiding the long lines. The secure Internet site offers service in 12 languages and is organized in a series of prompts, asking the user to enter their name, zip code, address, phone number and a desired appointment date. Once all the information is entered, the system will generate an appointment notice. Appointments are offered in two-week blocks. The notice will provide the address of the USCIS office and any information regarding required identification and/or additional documentation, such as a green card or work permit, to be presented at the appointment.
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