Transparency is the word of the last couple of years and will probably be the word that defines the decade. Everyone is promising to be more transparent, but do they really mean it? Complete transparency would not be good.  I don’t want to know the minutia of a company’s operations anymore than I want to see a patient splayed open on an operating table.

Well there is transparency and transparency. The kind of transparency I’m talking about is really just another name for honesty. I want to know if the companies I buy from are committed to fairness. Recently our bank sent us a letter telling us that they were doubling our interest rate. In the letter were a half a dozen checks we could use just like cash. In the small print we learned that should we use one of these checks, we would be agreeing to triple the interest rate.  We called the bank and asked why they were doing this to us. Had we suddenly become a dangerous credit risk? No. Had we missed or been late on any payments? No. What did we do to deserve this treatment? Nothing. We were assured however, that it was all for our own good. Huh? How can these people, who are people just like the rest of us, peddle this lie and do it with sincerity? It’s like spanking a child in the morning because they might do something wrong during the day. Or this is more like it, you did something wrong and because somebody has to pay, you find a patsy to suffer the punishment. In the case of banks it is the consumer. They are making us pay for their foolish behaviors and bad gambles.

I found the following example of a bank’s idea of a customer bill of rights posted on the Internet. Do you agree with it? Does it provide real protections for the customer or is it more of a public relations white wash?

1.      Our customers are entitled to be greeted with a smile and treated with friendliness, courtesy and respect by all of our employees.
2.       Our customers are entitled to be served by employees who are people-oriented and have a passion for providing quality service.
3.       Our customers who prefer to use online banking are provided with a state-of-the-art, secure website.
4.       The following groups of individuals and organizations are entitled to receive checking accounts free of any monthly service charges:
*      ALL senior citizens
*       ALL United Way agencies
*       ALL churches, synagogues and mosques
*       ALL charitable organizations and foundations
*       ALL political subdivisions
5.      Our customers are entitled to receive prompt service. For example, thanks to local decision-making, our response to a loan request shall not exceed five business days.
6.       Our checking account customers are entitled to use any ATM, anywhere, free of service charge, up to six times per month.
7.       Our customers are entitled to free and convenient parking when conducting bank business.”

I’m not trying to pick on the bank.  I’m sure they issued their Customers’ Bill of Rights as a way of appearing to be open, caring and considerate. It bears the tracks of  a legal staff that wants to protect the bank’s interests. In truth, it is a pleasing lullaby and I’m pretty certain you can hear this song sung, or one just like it, in every bank in the country.

What is it really saying? We like you. We will smile at you. We offer free no-fee checking accounts for certain groups. We have a secure website. We will waive a small number of ATM fees each month. We make quick decisions on loans. And finally, we have convenient parking.

What would I like them to say?

• We promise to always engage in, and be guided by, the highest moral and ethical standards.
• We guarantee that our officers and directors will be fairly rewarded for superior performance but never at a rate that is more than 50% of their annual salary.
• At year end, no bonuses, stock options, or other remunerations will be issued if the bank has lost money.
• Our employees are all well-educated and highly trained. Nepotism is never practiced here.
• Never will the bank issue a loan to a customer who does not possess the means to repay it.
• The bank will turn its back on creative financing schemes because we know that they rarely work out in the long run for the consumer or the bank.
• Should an employee be found guilty of ethics violations, in or out of the bank, they will be immediately suspended, and subjected to dismissal pending a thorough investigation. This rule also holds true for officers and directors.
• Just because we are allowed to arbitrarily increase interest rates on credit cards, we promise to hold the line and increase them by the least possible amount and only when absolutely necessary.
• We promise to treat each customer according to their history with the bank and not punish one for the misdeeds of another.

I invite any reader to add to this list. A universal bank customers’ bill of rights is desperately needed. Let’s start a movement.

If you are a writer and have a book manuscript, but haven’t found a publisher to pick it up, you may have to self-publish. Part and parcel with self-publishing is self-selling. You will have to market your book. How do you do it? I recommend TAP (The Author Platform). It is comprehensive, but easy to follow. You’ll learn Internet marketing, Social marketing, Amazon, and much more. See for yourself by going here.

It isn’t just black that creates a problem, any dark colored printing paper presents challenges. The biggest hurdle is that printing inks are transparent. CYMK (Cyan, Yellow, Magenta, and Black) dots are meant to be seen through. Overlapping dots create the color variations, you know, blue + yellow = green or yellow + red = orange. So what happens when you print transparent ink on dark paper? Right, the stock overwhelms the ink and you either don’t see it or the image is so faint as to be useless.

“Why do the mills create printing papers that won’t work well on press?” you might ask. Ah, that is a good question. Those wily paper mills know what Graphic Designers want and bold colored paper is often the best choice for their project. Strong color adds drama that you just can’t get with pastel shades. Again, “Why use it if it won’t yield a good result?” Printers have more than one trick up their sleeves. There are other processes that can be employed to print on dark paper.

Reverse Image:

Reverse image and type

The simplest way to achieve a dark background with a light image is to print it. Print the background with solid black, plum, or forest green on a white stock. Leave a window for the images, and you can achieve almost any look you want. The difficulty here is that offset printing is done with dots, as we discussed in an earlier blog. Print the dots on a textured or soft paper surface and you’ll probably end up with streaky, or splotchy solids. The paper surface makes a big difference. Make sure you discuss these issues with your printing professional before you go to press. Streaky, splotchy surprises are not fun.

The  poster to the right for the Rhythm City Dance School is a good example of reversed images. The type is white, but the dancer is gray. White is the color of the stock and the gray was achieved by using a screen of black (separating the black dots).  The point is, that while this piece appears to be printed on black paper it is really printed on white paper with a lot of black ink.

Foil Stamp:

Most foils are made opaque on purpose. They will cover any background color. The problem is that foil stamping is more costly than offset printing because it requires a die, the foil, and equipment that runs slower. The good news is that foil is available in a wide spectrum of colors, and finishes. For example you can get gold foil in satin, flat, shiny, and really shiny. It also comes in many shades. Gold foils are available in yellowish tints, greenish tints, and nearly bronze. Other foils that work well are white, silver, or clear.

Blind Emboss:

An excellent treatment to employ using dark paper is the blind emboss. Blind embossing raises the surface of the paper creating an image that is perceived by its height. It’s like a white-on-white blouse. The color is the same, but the pattern is revealed anyway. Blind embossing will cost more also than offset printing. Dies can get very pricey depending on the number of levels in your image. Most blind embosses are one level, but I’ve seen sculptured dies with a face or animal that are very complex. Sculptured dies, as you might imagine, can get into the thousands of dollars.

Foil Emboss:

As you might expect foil embossing uses both techniques. The image is foil stamped and then raised via blind emboss. A combo die can be created for this effect. Combo dies, as you probably guessed, cost less than buying two separate dies.

Opaque Inks:

Most opaque inks are not as opaque as you would like them to be. Imagine painting a light color over a previously dark wall. If you’ve had this experience you know that one coat won’t be enough. You might have to do two, three, or four coats before the wall is right. It’s the same with opaque inks. To blot out a dark surface the printer may have to double-bump (hit the image twice with the same color) and that probably won’t be enough. Additional bumps should work, theoretically,  but with each pass through the press you risk slurring your image or ruining paper. Paper is not indestructible, you know.

Metallic inks usually work better for this purpose. Metallic inks are made with up to 70% heavy metals, but even with metallic ink you will probably have to double-bump the image. And, this technique is not recommended for large areas.Type works better than swaths  of color which may show up blotchy.

Black-on-Black:

I’ve seen some excellent results with combinations of  black. For example, black paper on the market is almost always uncoated, which means that the color is a little flatter. If you use a black foil stamp or clear foil you can create a striking look by contrasting the paper surface with the shiny image.

Spot UV Coating:

It used to be that UV coating on uncoated paper was a no,no. There are new formulas that will allow spot UV, but aren’t guaranteed. Much depends on the paper you select. If you want to try spot UV coating, be sure to get samples from your local paper merchant, and have the printer test it.