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The record industry is experimenting with a new strategy for protecting CDs from being copied in CD burners or on computers. Unlike previous anti-copying measures, this plan will place two versions of an album on a single disc: one in standard CD form, modified so that it can't be transferred to a computer hard drive, and another in Microsoft's Windows Media Audio digital format, rigged so that files can be copied to a PC, but with some restrictions on how they can be used. McNealy, a digital-entertainment analyst with GartnerG2, a division of research company Gartner. It gives people the compressed audio to play on computers , and it protects copyrights. Although only a first step, the strategy could reset the parameters of the music industry's campaign against online piracy and determine the future of "ripping," the popular practice used by consumers to convert CD tracks into computer files that can be traded freely on the Internet over services such as Napster.
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A certificate of deposit CD is a product offered by banks and credit unions that provides an interest rate premium in exchange for the customer agreeing to leave a lump-sum deposit untouched for a predetermined period of time. Shopping around is crucial to finding the best CD rates because different financial institutions offer a surprisingly wide range. Meanwhile, some of the best rates come from special promotions, occasionally with unusual durations such as 13 or 21 months, rather than the more common terms based on 3, 6, or 18 months or full-year increments. Being open to different institutions and a variety of terms is key to scoring the highest returns. Often, silver stocks and other rare metal stocks are dependent on CD rates. Opening a CD is very similar to opening any standard bank deposit account. Once your CD is established and funded, the bank or credit union will administer it like most other deposit accounts, with either monthly or quarterly statement periods, paper or electronic statements, and usually monthly or quarterly interest payments deposited to your CD balance, where the interest will compound. CDs have become a more attractive option for savers who want to earn more than most savings, checking, or money market accounts pay, but without taking on the risk or volatility of the market. Certificates of deposit are a special type of savings instrument.