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The Quick 10: 10 ATM Statements

On June 27, 1967, the world experienced a wonderful and dangerous thing: the first automated teller machine. Well, sort of - exactly who invented it and when the first "official" ATM was invented is a bit of a debate, especially amongst those in the industry. I bet you didn't know there were hot-button issues in the automated teller machine industry. Read on to find out what they are!

1. The first ATM isn't the one we're celebrating, but an earlier, unsuccessful model. Designed by Luther George Simjian, Citibank (then "City Bank of New York") installed the primitive prototype for a six-month trial period. It was removed, though, because the people that used it weren't the exactly the bank's ideal customers. Simjian later wrote, "It seems the only people using the machines were a small number of prostitutes and gamblers who didn't want to deal with tellers face to face." Although his ATM flopped, Simjian didn't stop inventing: his later creations included a flight simulator for WWII, a type of postage meter and a self-posing portrait camera.

reg2. The second first ATM is obviously NOT the first ATM, but it's the one that people largely consider as such because of its success. It was installed in Enfield Town, North London, by Barclay's Bank. This version was invented (maybe) by John Shepherd-Barron, who was awarded an OBE for his trouble in 2005. We have his wife to thank for our four-digit PINs - originally they were six, but she couldn't remember that many numbers and requested that the length be changed.
3. James Goodfellow is another claimant to the title of ATM inventor. The battle between Goodfellow and Shepherd-Barron has been going on since the '60s and has heated up within the past few years thanks to Shepherd-Barron's OBE. Goodfellow got one of his own for inventing the PIN. But Goodfellow says the whole kit and kaboodle was his invention:

"For him to go down in history as the inventor of the ATM really stuck in my throat," says Goodfellow. "It is one thing for him to be awarded an OBE for services to the banking industry, but not for him to be portrayed as the inventor of the ATM. I have never bothered with this thing for 40 years, so it was a shock when it said he invented it. It's not sour grapes. He invented a radioactive device to withdraw money. I invented an automated system with an encrypted card and a pin number, and that's the one that is used around the world today."

Shepherd-Barron responded, "I don't know him, so good luck to the fellow, but it's clear that the difference between Goodfellow and us was that we thought through the whole system concept, and that was important to the banks who bought it. His invention reminds me of the hovercraft, an elegant failure. They didn't think through the performance specification for the hovercraft - it could work in three-feet waves, but not five feet, which is why it didn't become the global success it could have been."

citi4. And a third claimant is Texan Don Wetzel, who invented what most resembles the ATM we know today - the kind that accepts deposits and transfers money from account to account. He thought of the idea while in line at the bank on his lunch hour - he wasted a good portion of his break standing there and thought, "I bet a machine could do this a lot faster." And if you consider that the first ATM, as some experts do, then the first ATM was installed by Chemical Bank in Long Island on September 2, 1969. They advertised the new technology by declaring, "On Sept. 2, our bank will open at 9:00 and never close again!"

5. You know those $1.50 ($2.50... $3.50...) fees you pay to use an ATM other than one that belongs to the company who issued your card? Those fees and other similar fees add up to a $4 billion industry.

mcmurdo6. The world's most northerly ATM is in Longyearbyen, Svalbard, Norway and the most southerly ATM is at McMurdo Station in Antarctica (pictured... not too exciting, is it?).

7. Depending on where you are, you might not call it an ATM. You might call it a MAC machine, a Bancomat, an "All Time Money," a Banklink or a Drink-link (both from Ireland; the latter is slang because they are used to withdraw money for bars so often).

8. You may or may not be surprised to know that most ATMs run on Windows, although Linux is also becoming commonly used. And maybe it's a good idea, because people are finding ways to hack into the Windows program.

9. In 2005, people flocked to an ATM in France when it was discovered that it was stocked incorrectly. As a result, the machine issued 50-euro notes when users requested 20-euro notes. But it didn't work: the bank kept track of everyone who had withdrawn money during that particular timeframe and requested that the customers make up the difference.

10. The Smithsonian's National Museum of American History, for their part, regards the 1969 invention as the first ATM, as the company that made it was the first to apply for a patent. Those in the industry apparently just call it the "first modern magstripe machine." I know, who knew was so much controversy over ATMs?

And if you ever wondered how an ATM works, here you go.

Do you call it an ATM or something else? When I lived in Philadelphia for a year, I had a part-time job at Sephora, mostly for the discount. When people would wander in and ask about the MAC machine, I had no clue what they were talking about for the longest time.

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science
What Pop Culture Gets Wrong About Dissociative Identity Disorder
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From the characters in Fight Club to Dr. Jekyll and Mr. Hyde, popular culture is filled with "split" personalities. These dramatic figures might be entertaining, but they're rarely (if ever) scientifically accurate, SciShow Psych's Hank Green explains in the channel's latest video. Most representations contribute to a collective misunderstanding of dissociative identity disorder, or DID, which was once known as multiple personality disorder.

Experts often disagree about DID's diagnostic criteria, what causes it, and in some cases, whether it exists at all. Many, however, agree that people with DID don't have multiple figures living inside their heads, all clamoring to take over their body at a moment's notice. Those with DID do have fragmented personalities, which can cause lapses of memory, psychological distress, and impaired daily function, among other side effects.

Learn more about DID (and what the media gets wrong about mental illness) by watching the video below.

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25 Dapper Outfit Choices for Fashionable Pets
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Lavishing your furry friends with adorable attire is a benefit of pet ownership that they don't mention on the adoption forms. Whether you prefer practical clothing like sweaters and jackets or statement pieces like bow ties and tutus, these dapper duds are perfect for a howl-iday or "gotcha day" gift, or simply for saying, "Who's the cutest little pupper in pajamas? You are!"

1. CASHMERE DOG SWEATER; FROM $165

dog in sweater
Canine Styles

This classic cable-knit cashmere sweater is a sophisticated look for Fido or Finn. Get it from Canine Styles, a luxury dog emporium in New York City that has plenty of posh and preppy outfits.

Find It: Canine Styles

2. TOGGLE DOG COAT; $85

dog in coat
Canine Styles

This toggle coat (available in orange, navy, and tan) is as fashionable as it is warm. Made of Melton wool, it has Velcro closures to make getting dressed easy. It's great for long walks in the country.

Find It: Canine Styles

3. DOG TUXEDO; FROM $90

Dog in tuxedo
Etsy

This satin tuxedo is perfect for the canine members of your wedding party, though it will brighten up any other occasion as well. The custom, handmade outfit comes complete with a snappy bow tie.

Find It: Etsy

4. DOG BELLE DRESS; FROM $45

Dog Belle Dress
Etsy

The queen of your castle can feel like a Disney princess in her very own version of Belle's iconic yellow dress from Beauty and the Beast. This ball gown is made from yellow crepe satin with chiffon overlay on the bodice and features hand-painted gold detailing on the skirt. Enchanted rose not included.

Find It: Etsy

5. POODLE SKIRT OUTFIT FOR DOGS; $26

Rubies Pink Fifties Girl Pet Costume
Amazon

What if you could buy a 1950s poodle skirt for your poodle? This retro dress is comprised of a pink poodle skirt, striped bodice, and sequined belt, and comes with a bow headband.

Find It: Amazon

6. RIBBED CROCHET BUNNY SWEATER; $25

bunny in a sweater
Etsy

Your snuggle-bunny will look like a little fancy-pants in this ribbed crochet sweater. Choose from seven colors, including this dashing deep red.

Find It: Etsy

7. BESPOKE MONOGRAM DOG SWEATER; FROM $155

Dog in sweater
Ruby Rufus

Bespoke clothing isn't just for humans: British luxury dog clothing brand Ruby Rufus will make your pooch a custom monogram sweater made with 100 percent Italian cashmere. You can even order it in your dog's favorite color.

Find It: Ruby Rufus

8. HOT PINK DOG TUTU; $17

Dog in hot pink tutu
Etsy

Tutus look absolutely adorable on tiny humans and animals alike. If your pooch wants to get in touch with its inner ballerina, then grab this hot pink number from Etsy. Rave reviews are a sure thing.

Find It: Etsy

9. PINK DOG POLO SHIRT; $35

Dog Pink Polo Shirt
Canine Styles

This pink polo shirt is perfect for your preppy fur baby. It features not one but a veritable multitude of crocodiles. They'll be the most dapper dog at the country club.

Find It: Canine Styles

10. DOG BARN COAT WITH BROWN CORDUROY COLLAR; $85

Dog in barn coat
Canine Styles

When it's time for a walk, your dog will look effortlessly chic in this fancy barn coat. It comes in navy, cranberry, orange, hot pink, and loden and features convenient pockets for anyone with opposable thumbs.

Find It: Canine Styles

11. WHITE PET NECK RUFF; $26

Pet Neck Ruff
Etsy

Your canine or kitty will look like their painting belongs in London's National Portrait Gallery with this Elizabethan neck ruff.

Find It: Etsy

12. CHICKEN SWEATER; $25

chicken wearing sweater
Etsy

Chickens can get cold when they're strutting around outside. A sweater (well, more like sweater vest) for your bird can also help prevent feather picking during molting season. Or, it can simply keep them warm while they stare pensively across a snowy landscape.

Find It: Etsy

13. PET CIRCLE SCARF; $15

dog in scarf
Etsy

An infinity scarf is a perfect burst of color on a dreary early morning walk. The proprietor of Mitten Made on Etsy originally designed this wool snood for her miniature Dachshund to help keep her warm during the long, cold winters in Michigan.

Find It: Etsy

14. FAB DOG TRAVEL RAINCOAT; FROM $18

Fab Dog Travel Raincoat
Chewy

This timeless yellow rain slicker will look great on any puppy when it's raining cats and dogs. It's made of 100 percent waterproof nylon shell that keeps fur dry. Bonus: It's perfect for an It Halloween costume.

Find It: Chewy

15. LACE CAT OR DOG COLLAR; FROM $10

cat in lace collar
Etsy

This handmade, white lace collar is a must-have for fancy felines. It's also embellished with a large rhinestone.

Find It: Etsy

16. FITWARM PENGUIN PAJAMAS FOR DOGS; FROM $10

Fitwarm Cute Penguin Xmas Dog Pajamas
Amazon

Keep your pupper warm on cold winter nights with these penguin PJs. They're great for doggie sleepovers or lazy weekends on the couch watching Netflix.

Find It: Amazon

17. PLAID CASHMERE DOG COAT; FROM $225

dog in plaid coat
Canine Styles

Your dog will look like a proper gentleman in this smart plaid peacoat. This fine garment is made of cashmere with a faux fur lining and leather buttons, and is a perfect shield against chill and fog.

Find It: Canine Styles

18. SATIN PET BOW TIE; FROM $8

Satin Bow Tie for Dog
Etsy

This satin doggie bow tie is perfect for any occasion. It comes in several colors and features a Velcro fastener that makes it easy to attach to a collar. Plus, 10 percent of every sale goes to charity: specifically to SPCA (Society for the Prevention of Cruelty to Animals) and Feeding Pets of the Homeless.

Find It: Etsy

19. RED DOG DRESS; FROM $34

dog in dress
Etsy

Your good boy or girl will look red carpet-ready in this elegant gown. The voluminous tulle skirt is to die for, and each bow is embellished with beads. Custom orders are also available.

Find It: Etsy

20. DOG TIE; FROM $13

Dog tie
Etsy

Your pooch will be ready to stun at any black tie event. This tie is designed like a collar, making it easy to dress your four-legged friend. This Etsy store gives back: 10 perfect of all sales are donated to an animal protection association.

Find It: Etsy

21. NAUTICAL DOG DRESS WITH MATCHING LEASH; $20

Dog sailor dress
BaxterBoo

Perfect for a day on the town or setting sail in a schooner, this is the sailor outfit you never knew your best furry friend needed. This vintage throwback also comes with a matching leash.

Find It: BaxterBoo

22. TARTAN FLANNEL PET BOW TIE; $5.50

tartan pet bow tie
Etsy

Your dog or cat will turn heads in this flannel tartan bow tie. It has a convenient elastic loop that slides over your pup's collar.

Find It: Etsy

23. PUCCI DOG SHIRT; $23

dog in Pucci dog shirt
Etsy

Only the fanciest dogs wear, err, Pucci. Grab this punny "designer" t-shirt for your pup. This high-quality cotton statement piece is perfect for small breeds.

Find It: Etsy

24. PINK POLKA DOT AND LACE DOG HARNESS DRESS; $20

Pink Polka Dot and Lace Designer Dog Harness Dress
BaxterBoo

This feminine pink polka dot dress is simply adorable. It features a convenient built-in harness and comes with a matching leash.

Find It: BaxterBoo

25. PET SWEATER VEST; $6

pet sweater vest
Amazon

Your dog or cat will look like an erudite Oxford professor in this sweater vest. Note that the button on the pocket is shaped like a bone.

Find It: Amazon

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