Can I copy text not meant for copying?

  • Thread starter Thread starter micky
  • Start date Start date
Here it is:. I found this on the web under a shorter, more sensible
name, but this is the same:
http://fa.morganstanleyindividual.c...V265/e5ce4dc0-c4c1-4f27-a1df-37e47b92e0b3.pdf

When you download this, it has an entry in the Edit drop-down liast
for Select All, but the entries for Copy and Cut are greyed out, and
cntl-C doesn't work either.


If you use the free Foxit Reader (which I think is the best pdf
reader) instead of Adobe Reader, it's easy to copy and paste from a
pdf document.
Ken Blake, Microsoft MVP
 
| >
http://fa.morganstanleyindividual.c...V265/e5ce4dc0-c4c1-4f27-a1df-37e47b92e0b3.pdf
| >
| > When you download this, it has an entry in the Edit drop-down liast
| > for Select All, but the entries for Copy and Cut are greyed out, and
| > cntl-C doesn't work either.
|
|
| If you use the free Foxit Reader (which I think is the best pdf
| reader) instead of Adobe Reader, it's easy to copy and paste from a
| pdf document.

But not that document. The idea was to find a way
to copy from restricted PDFs. Foxit, like most (all?)
free PDF software, will not allow bypassing restrictions.

(Foxit is also bloated, commercial nagware with a
spyware installer and attempts to install junk during
program install. It's a matter of preference, of course,
but personally I used to use Foxit and now prefer
Sumatra. Though I don't have any fancy requirements
-- just to read/print basic PDFs.)
 
| If you use the free Foxit Reader (which I think is the best pdf
| reader) instead of Adobe Reader, it's easy to copy and paste from a
| pdf document.

But not that document. The idea was to find a way
to copy from restricted PDFs. Foxit, like most (all?)
free PDF software, will not allow bypassing restrictions.



Ah, thanks. I had missed that that was what the issue was.

Ken Blake, Microsoft MVP
 
Ah, thanks. I had missed that that was what the issue was.

Ken Blake, Microsoft MVP

as long as not illegal, or such, I use
<http://freemypdf.com/>
they even convert from whiz bang 500kB files down to 300kB files that
open on Win98 using Adobe 5! The only thing that I could see added
when I opened with Foxit was an index along the left hand side, but
not much use when the document is only 2 pages to begin with!
 
Paul said:
It's looking like some kind of font encoding problem, rather than
copy prevention. Still working on it...

filename = 2discoverislam_com_riyad_us_saliheen.pdf
type = PDF 1.4
size = 5638888 bytes
md5sum = df45ea78241da54c928ba8b91c94c59e

Paul

The document security settings show "print only" - all other options
are turned off. This doesn't look like a default document security
setting, so I'd say it was on purpose.

Using GhostScript ps2ps converter

ps2ps input.pdf output.ps

and opening the file in a text editor, shows things like this.
ASCII85 is an encoding method. LZW implies compression/decompression.
But when I tried converting the string using a web based ASCII85
decoder, followed by an attempt at LZWdecode, the results didn't
make any sense. So perhaps I'm missing something, as to what
chain of filters is actually being used here.

%%BeginResource: file (PDF Function obj_1059)
1059 0 obj
<</Filter[/ASCII85Decode
/LZWDecode]
/FunctionType 0
/Domain[0
1]
/Range[-1
1]
/BitsPerSample 8
/Decode[-1
1.00787]
/Size[256]/Length 39>>stream
J03]G3$]7K#D>EP:q1$o*=mro@So+\<\4E(J,~>
endstream
endobj

Later on in the document, something similar seems to be happening,
and it's my guess that each line of text in the document, has been
reduced to a chunk of stuff like this. The "/F[/A85" is short
for "/Filter /ASCII85Decode", but I can't find the declarations
as such, at the top of the document. (The document is a computer
program, and the "A85 routine" should be defined further up in
the document.) Perhaps even those definitions are obfuscated.

%%BeginResource: file (PDF CharProc obj_1072)
1072 0 obj
<</Length 285 >>stream
101 0 5 -101 108 0 d1
103 0 0 101 5 -101 cm
BI
/IM true
/W 103
/H 101
/BPC 1
/D[1
0]
/F[/A85
/CCF]
/DP[null
<</K -1
/Columns 103
/EndOfBlock false>>]
ID
-E*7?Ea1MPJ%,=TrVk^CrVlhH^\@VT^]33Yrr<"J\,62Trnm2Crnm2Ep\THTs4I@drVsXis1dIg
jLB"*hsLFCs*qNTs*t%*n,<7cJ%taTJ%[email protected]%,=TJ,\?l~>
EI
endstream
endobj

*******

I gave up on that approach for now, and tested OCR to see how good it could be.
I used Ghostscript, to print each page as a TIFF file. This produced 561 files
of 32MB each. The files are quite compressible, for whatever that's worth.

gswin32 -sDEVICE=tiffgray -sOutputFile=output-%03d.tif -dTextAlphaBits=4
-dGraphicsAlphaBits=4 -r600 -dSAFER -dBATCH -dNOPAUSE input.pdf

You can get Ghostscript here. Once installed, I used command line
invocation to get my output.

http://pages.cs.wisc.edu/~ghost/doc/GPL/gpl902.htm

I selected one page out of the lot for testing. I have an old copy of Acrobat
Distiller for PC, which includes (for its time), a new feature called Paper
Capture. If you present a PDF page containing an image, and the image is
in the resolution range of around 200-300 DPI or so, there is an OCR engine
you can use, to convert the text. The text is "overlaid" on top of the
image pixmap, in the document. You save that out, and then you have
a document consisting of both the original image, with a layer of text
sitting on top of it. (That's to make OCR errors stand out better.)
If you wipe over the surface of the resulting document, you can then
copy and paste. What the copy loses, is "white space", so things like
the "CHAPTER 4" string at the bottom, don't get the right number
of spaces padded on the left of them.

Anyway, this is the copy/paste from the OCR output. This is page 23 by OCR.
Note that normally, that feature worked like crap, so I'd say the tool
liked the quality of the input, and wasn't put off too much by the
appearance of the font at all. I've had plenty of stuff that
produced close to 100% errors, when run through that tool.
I can see below, that "O" and zero got mixed up by the OCR.
Instead of "O" as an exclamation, it put a zero instead.
If I do the OCR with a 200 DPI image, I get a few more errors.
So it can be done with OCR, but correcting OCR errors by
hand is madness. (I've tried it.) That particular OCR, won't
accept input of a higher resolution (even though I can make
higher resolutions if necessary).

******* ghostscript --> TIFGRAY_600DPI --> SCALED_300DPI --> Print to PostScript
--> Acrobat Distiller --> Adobe Acrobat "Paper Capture" --> (Copy/Paste text) *******

2. Since scholarship and piousness are the foremost qualifications for counsellors and advisors, there is
no restriction of age for them.
3. The ruler should always be very considerate and tolerant.
4. The ruler should never hesitate from accepting truth and righteousness.
51. Ibn Mas‘ud (May Allah be pleased with him) reported: Messenger of Allah (PBUH) said, “You will
see after me favouritism and things which you will disapprove of.†They submitted: “What do you
order us to do (under such circumstances)?†He replied, “Discharge your obligations and ask your
rights from Allahâ€.
[Al-Bukhari and Muslim].
Commentary: This Hadith tells that if you have rulers who deny your rights and give themselves and
their relatives preference over you then patience is a better recourse. Rather than revolting against
them, you should seek pardon and forgiveness from Allah and pray for His Protection against the
mischief and tyranny of the rulers provided they do not show outright disbelief.
52. Usaid bin Hudhair (May Allah be pleased with him) reported that: A person from among the Ansar
said, “0 Messenger of Allah! You appointed such and such person and why do you not appoint me?â€
Messenger of Allah (PBUH) said, “After me you will see others given preference to you, but you
should remain patient till you meet me at the Haud (Al-Kauthar in Jannah)“.
[Al-Bukhari and Muslim].
Commentary:
1. The prophecy of the Prophet (PBUH) came true, which is a miracle as well as an evidence of his
truthfulness.
2. The Haud (pond) mentioned here is Haud Al-Kauthar which is granted to the Prophet (PBUH) in
Jannah or in the field where people will be assembled on the Day of Resurrection. There he will offer
his followers cups of pure drink with his own hands. It will be such that one who would take it will
never feel thirst again.
3. Demand for an office is not a pleasant quality. It is, therefore, prohibited to give office to a person
who demands it. It is, however, permissible only in case a person feels that he is more competent than
others and there is no one else in view who is more intelligent, capable and pious.
53. ‘Abdullah bin Abu Aufa (May Allah be pleased with him) reported: The Messenger of Allah
(PBUH) at one time when he confronted the enemy, and was waiting for the sun to set, stood up and
said, “0 people! Do not long for encountering the enemy and supplicate to Allah to grant you security.
But when you face the enemy, show patience and steadfastness; and keep it in mind that Jannah lies
under the shade of the swords.†Then he invoked Allah, saying, “0 Allah, Revealer of the Book,
Disperser of the clouds, Defeater of the Confederates, put our enemy to rout and help us in overpowering
themâ€.
[Al-Bukhari and Muslim].
Commentary:
1. Although great stress has been laid on full preparation and readiness for Jihad, it is prohibited to
wish for war with enemy.
2. Patience is a great weapon of a Muslim. In the context of Jihad, it means steadfastness, fortitude and
fearlessness of death in the battlefield.
3. Muslims are ordained not to rely entirely on weapons, material resources and their military prowess.
They are advised to pray to Allah for
CHAPTER 4
******* End conversion page 23 *******

Paul
 
| >
http://fa.morganstanleyindividual.c...V265/e5ce4dc0-c4c1-4f27-a1df-37e47b92e0b3.pdf
| >
| > When you download this, it has an entry in the Edit drop-down liast
| > for Select All, but the entries for Copy and Cut are greyed out, and
| > cntl-C doesn't work either.
|
|
| If you use the free Foxit Reader (which I think is the best pdf
| reader) instead of Adobe Reader, it's easy to copy and paste from a
| pdf document.

But not that document. The idea was to find a way
to copy from restricted PDFs. Foxit, like most (all?)
free PDF software, will not allow bypassing restrictions.

About 5-6 years ago I had a co-worker who used to produce all of his
engineering documents as pdf files. While the rest of the engineering
teams used Word so that others could make changes, with this guy you
had to send him your requested changes in a separate document and he'd
perhaps get around to incorporating them. No amount of rib poking got
him to conform to company standards, so I nosed around the corporate
website and found a licensed copy of Passware. It worked a treat on
his 'secure' pdf's. From then on I would use Passware to remove the
security, convert the pdf to Word, make my changes, then send it back
either in Word or if I was feeling frisky I'd convert the updated
document back to pdf and add my own security.

It took awhile, but he eventually stopped by my office to ask WTF? :)
After that, no more restricted pdf's!
 
On Sat, 10 Mar 2012 17:49:06 -0500, in
Paul said:
It's looking like some kind of font encoding problem, rather than
copy prevention. Still working on it...

filename = 2discoverislam_com_riyad_us_saliheen.pdf
type = PDF 1.4
size = 5638888 bytes
md5sum = df45ea78241da54c928ba8b91c94c59e

Paul

The document security settings show "print only" - all other options
are turned off. This doesn't look like a default document security
setting, so I'd say it was on purpose.

Using GhostScript ps2ps converter

ps2ps input.pdf output.ps

and opening the file in a text editor, shows things like this.
ASCII85 is an encoding method. LZW implies compression/decompression.
But when I tried converting the string using a web based ASCII85
decoder, followed by an attempt at LZWdecode, the results didn't
make any sense. So perhaps I'm missing something, as to what
chain of filters is actually being used here.

%%BeginResource: file (PDF Function obj_1059)
1059 0 obj
<</Filter[/ASCII85Decode
/LZWDecode]
/FunctionType 0
/Domain[0
1]
/Range[-1
1]
/BitsPerSample 8
/Decode[-1
1.00787]
/Size[256]/Length 39>>stream
J03]G3$]7K#D>EP:q1$o*=mro@So+\<\4E(J,~>
endstream
endobj

Later on in the document, something similar seems to be happening,
and it's my guess that each line of text in the document, has been
reduced to a chunk of stuff like this. The "/F[/A85" is short
for "/Filter /ASCII85Decode", but I can't find the declarations
as such, at the top of the document. (The document is a computer
program, and the "A85 routine" should be defined further up in
the document.) Perhaps even those definitions are obfuscated.

%%BeginResource: file (PDF CharProc obj_1072)
1072 0 obj
<</Length 285 >>stream
101 0 5 -101 108 0 d1
103 0 0 101 5 -101 cm
BI
/IM true
/W 103
/H 101
/BPC 1
/D[1
0]
/F[/A85
/CCF]
/DP[null
<</K -1
/Columns 103
/EndOfBlock false>>]
ID
-E*7?Ea1MPJ%,=TrVk^CrVlhH^\@VT^]33Yrr<"J\,62Trnm2Crnm2Ep\THTs4I@drVsXis1dIg
jLB"*hsLFCs*qNTs*t%*n,<7cJ%taTJ%[email protected]%,=TJ,\?l~>
EI
endstream
endobj

*******

I gave up on that approach for now, and tested OCR to see how good it could be.
I used Ghostscript, to print each page as a TIFF file. This produced 561 files
of 32MB each. The files are quite compressible, for whatever that's worth.

gswin32 -sDEVICE=tiffgray -sOutputFile=output-%03d.tif -dTextAlphaBits=4
-dGraphicsAlphaBits=4 -r600 -dSAFER -dBATCH -dNOPAUSE input.pdf

You can get Ghostscript here. Once installed, I used command line
invocation to get my output.

http://pages.cs.wisc.edu/~ghost/doc/GPL/gpl902.htm

I selected one page out of the lot for testing. I have an old copy of Acrobat
Distiller for PC, which includes (for its time), a new feature called Paper
Capture. If you present a PDF page containing an image, and the image is
in the resolution range of around 200-300 DPI or so, there is an OCR engine
you can use, to convert the text. The text is "overlaid" on top of the
image pixmap, in the document. You save that out, and then you have
a document consisting of both the original image, with a layer of text
sitting on top of it. (That's to make OCR errors stand out better.)
If you wipe over the surface of the resulting document, you can then
copy and paste. What the copy loses, is "white space", so things like
the "CHAPTER 4" string at the bottom, don't get the right number
of spaces padded on the left of them.

Anyway, this is the copy/paste from the OCR output. This is page 23 by OCR.
Note that normally, that feature worked like crap, so I'd say the tool
liked the quality of the input, and wasn't put off too much by the
appearance of the font at all. I've had plenty of stuff that
produced close to 100% errors, when run through that tool.
I can see below, that "O" and zero got mixed up by the OCR.
Instead of "O" as an exclamation, it put a zero instead.
If I do the OCR with a 200 DPI image, I get a few more errors.
So it can be done with OCR, but correcting OCR errors by
hand is madness. (I've tried it.) That particular OCR, won't
accept input of a higher resolution (even though I can make
higher resolutions if necessary).

******* ghostscript --> TIFGRAY_600DPI --> SCALED_300DPI --> Print to PostScript
--> Acrobat Distiller --> Adobe Acrobat "Paper Capture" --> (Copy/Paste text) *******

2. Since scholarship and piousness are the foremost qualifications for counsellors and advisors, there is
no restriction of age for them.
3. The ruler should always be very considerate and tolerant.
4. The ruler should never hesitate from accepting truth and righteousness.
51. Ibn Mas‘ud (May Allah be pleased with him) reported: Messenger of Allah (PBUH) said, “You will
see after me favouritism and things which you will disapprove of.†They submitted: “What do you
order us to do (under such circumstances)?†He replied, “Discharge your obligations and ask your
rights from Allahâ€.
[Al-Bukhari and Muslim].
Commentary: This Hadith tells that if you have rulers who deny your rights and give themselves and
their relatives preference over you then patience is a better recourse. Rather than revolting against
them, you should seek pardon and forgiveness from Allah and pray for His Protection against the
mischief and tyranny of the rulers provided they do not show outright disbelief.
52. Usaid bin Hudhair (May Allah be pleased with him) reported that: A person from among the Ansar
said, “0 Messenger of Allah! You appointed such and such person and why do you not appoint me?â€
Messenger of Allah (PBUH) said, “After me you will see others given preference to you, but you
should remain patient till you meet me at the Haud (Al-Kauthar in Jannah)“.
[Al-Bukhari and Muslim].
Commentary:
1. The prophecy of the Prophet (PBUH) came true, which is a miracle as well as an evidence of his
truthfulness.
2. The Haud (pond) mentioned here is Haud Al-Kauthar which is granted to the Prophet (PBUH) in
Jannah or in the field where people will be assembled on the Day of Resurrection. There he will offer
his followers cups of pure drink with his own hands. It will be such that one who would take it will
never feel thirst again.
3. Demand for an office is not a pleasant quality. It is, therefore, prohibited to give office to a person
who demands it. It is, however, permissible only in case a person feels that he is more competent than
others and there is no one else in view who is more intelligent, capable and pious.
53. ‘Abdullah bin Abu Aufa (May Allah be pleased with him) reported: The Messenger of Allah
(PBUH) at one time when he confronted the enemy, and was waiting for the sun to set, stood up and
said, “0 people! Do not long for encountering the enemy and supplicate to Allah to grant you security.
But when you face the enemy, show patience and steadfastness; and keep it in mind that Jannah lies
under the shade of the swords.†Then he invoked Allah, saying, “0 Allah, Revealer of the Book,
Disperser of the clouds, Defeater of the Confederates, put our enemy to rout and help us in overpowering
themâ€.
[Al-Bukhari and Muslim].
Commentary:
1. Although great stress has been laid on full preparation and readiness for Jihad, it is prohibited to
wish for war with enemy.
2. Patience is a great weapon of a Muslim. In the context of Jihad, it means steadfastness, fortitude and
fearlessness of death in the battlefield.
3. Muslims are ordained not to rely entirely on weapons, material resources and their military prowess.
They are advised to pray to Allah for
CHAPTER 4
******* End conversion page 23 *******

Paul


Wow, Paul, you did a lot here. I am passing all of this on to my friend.

Thanks,

jim
 
jim said:
Wow, Paul, you did a lot here. I am passing all of this on to my friend.

Thanks,

jim

Not all prints this way, have fonts good enough for OCR. So if the
authors had been even more devious in their selection of fonts, they
could have broken my cheap OCR, and many other, better OCRs as well.
OCR doesn't like characters with "broken" edges. Since there is
no "noise" in a Ghostscript conversion to TIFF, the OCR should
really do well.

There is also a remote possibility, that the stuff that ends up
in the copy/paste buffer (Evince in Linux let me wipe and copy
the text), the junk you get that way, could be a simple substitution
code. Nothing I've seen in the file yet, smacks of "encryption"
except in a trivial way. But I don't have any automated tools for
detecting simple substitution codes. The Embedded fonts might have
been juggled in the font table, such that say, the letter "W"
causes "X" to be printed on the screen. So re-mapping the font table,
might be a way they can mess it up. This was undoubtedly a "feature"
of the tool doing the conversion from MSWord to PDF. If they wanted,
they could re-juggle the fonts on a page by page basis,
but again, there's no evidence of strong purposeful design there,
by the company making the PDF generator. It could be, if you
figured out the substitution code, it would be good for the
whole document.

Paul
 
micky said:
Wow, I got a techical answer from you, and the text I wanted too!! I
don't suppose I can call you every time I wante do copy text. No,
probably not.

I have to check if Tropicana is one of those that can keep
fresh-picked squeezed oranges in a vat for months. Haven't had time.
I guess that would mean they are picket when they're fresh, not that
they're sold when they are.


He deserves it.


Okay.

Here it is:. I found this on the web under a shorter, more sensible
name, but this is the same:
http://fa.morganstanleyindividual.c...V265/e5ce4dc0-c4c1-4f27-a1df-37e47b92e0b3.pdf

When you download this, it has an entry in the Edit drop-down liast
for Select All, but the entries for Copy and Cut are greyed out, and
cntl-C doesn't work either.

OK, I moved the file over to a virtual machine with Ubuntu in it,
opened the PDF with Evince (just double clicked), did a copy and
paste, and this is what I got. The copy isn't perfect, but with
a little work, if you needed a bit here or there, you could fix it up.

****** morganstanley *******

Portfolio Loan Account
A N A LTERN ATE WAY TO FIN A N CE A RE A L E S TATE PURCH A SE
Deciding how to finance a real estate transaction is just as important as deciding which property to buy—whether you are
purchasing your dream home or investing in real estate to enhance your overall portfolio. Morgan Stanley Smith Barney offers a
variety of competitive and creative financing solutions to fit your goals, including the Portfolio Loan Account. A Portfolio Loan
Account will give you access to a flexible line of credit, allowing you to finance almost any type of real estate transaction at an
attractive interest rate, with flexible repayment terms and minimal fees. You can use a Portfolio Loan Account to:
• Purchase or construct a primary or secondary home
• Finance commercial, investment or rental property
• Finance a bridge loan
• Renovate an existing property
The Portfolio Loan Account is a securities-based loan, which means you borrow money from Morgan Stanley Bank, N.A. using the
eligible securities in your brokerage accounts as collateral. As long as adequate collateral is maintained, a securities-backed loan
can create the liquidity you need to take advantage of an opportunity without liquidating assets or disrupting your investment
strategy. All of your financing needs can be managed easily under one account.
KE Y BENEFIT S O F A P O RTFO LIO LOA N AC C OUNT
• origination, maintenance or facility fees on loans make
No
the Portfolio Loan Account a cost-effective financing
alternative to establish and maintain1
•
Access your available credit without having to reapply for
each new loan; simply write a check or wire funds when
needed.2 You can also establish a Standby Letter of Credit
•
Quick application process, with access to credit in
approximately five business days2
• Access to your available credit when you need it
•
Access to funds by PLA checkbook or wire, subject to
product minimums
MULTIPLE NEEDS, O NE AC C OUNT
Financing real estate is just one way to use the Portfolio
Loan Account
•
Explore small-business opportunities
• Pay your taxes 3
•
Purchase luxury items
• Use for general liquidity needs
Interest Rates* Variable-Rate Revolving Fixed Rate Loans
Line of Credit
Approval Amount Current Rate 6 months
1 year
2 years
3 years
4 years
5 years
7 years
$100,000–249,999
$250,000–499,999
$500,000–999,999
$1,000,000–2,499,999
$2,500,000–4,999,999
$5,000,000–9,999,999
$10,000,000+
Any principal payments on a fixed-rate loan outside of your scheduled payment could result in prepayment charges.
Contact your Financial Advisor or Private Wealth Advisor for more details.
* Rates are as of
, change daily and are provided for indication only
1
Letter of Credit fees will apply
2
Subject to Available Credit and at the sole discretion of Morgan Stanley Bank, N.A. All loans are subject to approval by Morgan Stanley Bank, N.A.
3
M
organ Stanley Smith Barney, its Financial Advisors and Private Wealth Advisors do not offer tax advice. Individuals should consult their personal tax advisor before making
any tax-related investment decisions
P O RTFO LIO LOA N AC C OUNT AT A G L A N CE
Approval Amount
Corresponding PLA Index Rate, Plus:
$100,000 –$249,999 5.00%
$250,000 –$499,999 4.00%
$500,000 –$999,999 3.50%
$1,000,000 –$2,499,999 3.00%
$2,500,000 –$4,999,999 2.75%
$5,000,000 –$9,999,999 2.50%
$10,000,000+ 2.25%
Minimum facility amount is $100,000. Interest rates are based on Portfolio Loan Account approved facility amount.
Variable-Rate Revolving
Line of Credit
Minimums $100 minimum disbursement $100,000 each
Fixed Rate Loans
Standby Letter of Credit
•  inimum issuance amount
M
of $100,000
• 12-month duration
Index Rate LIBOR or swap matching the n/a
Daily 30-day LIBOR duration of the rate lock

Minimum Periodic Amortizing Fixed Rate Loans n/a
None with monthly, quarterly, or
Payments semi-annual options

Access to Funds

Portfolio Loan Account
Check or Wire Transfer
Wire Transfer
n/a

Origination/Maintenance None Issuance Fee
None • $100,000–$1,000,000: 1.50%
Fees • Over $1,000,000: 1.00%

Duration 6-month, n/a
n/a 1-, 2-, 3-, 4-, 5-, 7- year
interest rate lock

Structure Interest Only or Amortizing n/a
Interest Only Loans. Choice of amortization
periods of 6 months, 1-, 2-, 3-,
4-, 5-, 7-, 10-, 15-, 30-years

P OTENTIA L RIS KS TO C O NSIDER BEFO RE YOU BO RROW
The Portfolio Loan Account is a securities-based loan that may not be used to purchase, trade or carry marketable
securities, or to repay margin debt. Securities-based loans can be very risky, and are not suitable for all investors. Before
opening a Portfolio Loan Account, you should understand fully the following risks associated with a securities-based loan:
• Morgan Stanley Bank, N.A. can call the loan at any time and for any reason. Sufficient collateral must be maintained to
support your loans and to take future advances
• You may have to deposit additional cash and/or eligible securities on short notice
• Some or all of your securities may be sold without prior notice to you in order to maintain account equity at required
collateral maintenance levels. You will not be entitled to choose which securities will be sold. These actions may interrupt
your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed
• Morgan Stanley Bank, N.A. reserves the right not to fund any advance request due to insufficient collateral or for any
other reason
• Morgan Stanley Bank, N.A. can increase your collateral maintenance requirements at any time without notice
The Portfolio Loan Account is offered by Morgan Stanley Bank, N.A., an affiliate of Morgan Stanley Smith Barney. All loans are subject to credit approval by
Morgan Stanley Bank, N.A.
© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.
****** End morganstanley *******

Paul
 
OK, I moved the file over to a virtual machine with Ubuntu in it,
opened the PDF with Evince (just double clicked), did a copy and
paste, and this is what I got. The copy isn't perfect, but with
a little work, if you needed a bit here or there, you could fix it up.

****** morganstanley *******

Portfolio Loan Account
A N A LTERN ATE WAY TO FIN A N CE A RE A L E S TATE PURCH A SE
Deciding how to finance a real estate transaction is just as important asdeciding which property to buy—whether you are
purchasing your dream home or investing in real estate to enhance your overall portfolio. Morgan Stanley Smith Barney offers a
variety of competitive and creative financing solutions to fit your goals, including the Portfolio Loan Account. A Portfolio Loan
Account will give you access to a flexible line of credit, allowing you to finance almost any type of real estate transaction at an
attractive interest rate, with flexible repayment terms and minimal fees.You can use a Portfolio Loan Account to:
•      Purchase or construct a primary or secondary home
•      Finance commercial, investment or rental property
•      Finance a bridge loan
•      Renovate an existing property
The Portfolio Loan Account is a securities-based loan, which means you borrow money from Morgan Stanley Bank, N.A. using the
eligible securities in your brokerage accounts as collateral. As long as adequate collateral is maintained, a securities-backed loan
can create the liquidity you need to take advantage of an opportunity without liquidating assets or disrupting your investment
strategy. All of your financing needs can be managed easily under one account.
KE Y BENEFIT S O F A P O RTFO LIO LOA N AC C OUNT
•     origination, maintenance or facility fees on loans make
No
the Portfolio Loan Account a cost-effective financing
alternative to establish and maintain1

Access your available credit without having to reapply for
each new loan; simply write a check or wire funds when
needed.2 You can also establish a Standby Letter of Credit

Quick application process, with access to credit in
approximately five business days2
•      Access to your available credit when you need it

Access to funds by PLA checkbook or wire, subject to
product minimums
MULTIPLE NEEDS, O NE AC C OUNT
Financing real estate is just one way to use the Portfolio
Loan Account

Explore small-business opportunities
•      Pay your taxes 3

Purchase luxury items
•      Use for general liquidity needs
         Interest Rates*         Variable-Rate Revolving         Fixed Rate Loans
                   Line of Credit
Approval Amount  Current Rate    6 months
1 year
2 years
3 years
4 years
5 years
7 years
$100,000–249,999
$250,000–499,999
$500,000–999,999
$1,000,000–2,499,999
$2,500,000–4,999,999
$5,000,000–9,999,999
$10,000,000+
Any principal payments on a fixed-rate loan outside of your scheduled payment could result in prepayment charges.
Contact your Financial Advisor or Private Wealth Advisor for more details..
* Rates are as of
, change daily and are provided for indication only
1
Letter of Credit fees will apply
2
Subject to Available Credit and at the sole discretion of Morgan Stanley Bank, N.A. All loans are subject to approval by Morgan Stanley Bank, N.A.
3
M
organ Stanley Smith Barney, its Financial Advisors and Private Wealth Advisors do not offer tax advice. Individuals should consult their personal tax advisor before making
any tax-related investment decisions
P O RTFO LIO LOA N AC C OUNT AT A G L A N CE
Approval Amount
Corresponding PLA Index Rate, Plus:
$100,000 –$249,999     5.00%
$250,000 –$499,999     4.00%
$500,000 –$999,999     3.50%
$1,000,000 –$2,499,999         3.00%
$2,500,000 –$4,999,999         2.75%
$5,000,000 –$9,999,999         2.50%
$10,000,000+     2.25%
Minimum facility amount is $100,000. Interest rates are based on Portfolio Loan Account approved facility amount.
                 Variable-Rate Revolving
   Line of Credit
Minimums         $100 minimum disbursement       $100,000 each
Fixed Rate Loans
Standby Letter of Credit
•   inimum issuance amount
M
of $100,000
• 12-month duration
Index Rate       LIBOR or swap matching the      n/a
Daily 30-day LIBOR       duration of the rate lock

Minimum Periodic         Amortizing Fixed Rate Loans     n/a
None     with monthly, quarterly, or
Payments                 semi-annual options

Access to Funds

Portfolio Loan Account
Check or Wire Transfer
Wire Transfer
n/a

Origination/Maintenance          None    Issuance Fee
None     • $100,000–$1,000,000: 1.50%
Fees                     • Over $1,000,000: 1.00%

Duration         6-month,        n/a
n/a      1-, 2-, 3-, 4-, 5-, 7- year
                 interest rate lock

Structure        Interest Only or Amortizing     n/a
Interest Only    Loans. Choice of amortization
                 periods of 6 months, 1-, 2-, 3-,
                 4-, 5-, 7-, 10-, 15-, 30-years

P OTENTIA L RIS KS TO C O NSIDER BEFO RE YOU BO RROW
The Portfolio Loan Account is a securities-based loan that may not be used to purchase, trade or carry marketable
securities, or to repay margin debt. Securities-based loans can be very risky, and are not suitable for all investors. Before
opening a Portfolio Loan Account, you should understand fully the following risks associated with a securities-based loan:
•      Morgan Stanley Bank, N.A. can call the loan at any time and for any reason. Sufficient collateral must be maintained to
support your loans and to take future advances
•      You may have to deposit additional cash and/or eligible securities on short notice
•      Some or all of your securities may be sold without prior notice to you in order to maintain account equity at required
collateral maintenance levels. You will not be entitled to choose which securities will be sold. These actions may interrupt
your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed
•      Morgan Stanley Bank, N.A. reserves the right not to fund any advance request due to insufficient collateral or for any
other reason
•      Morgan Stanley Bank, N.A. can increase your collateral maintenance requirements at any time without notice
The Portfolio Loan Account is offered by Morgan Stanley Bank, N.A., an affiliate of Morgan Stanley Smith Barney. All loans are subject to credit approval by
Morgan Stanley Bank, N.A.
© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.
****** End morganstanley *******

   Paul

Wow! a fee for financing above $1M ?! Doesn't that fly in the face of
every other 'volume' transaction? What I'm saying is cost of small
quantity, in this case money, costs LESS, than cost of large volume of
quantity, in this case more money.

Every other vendor, but banks, when I buy 1 item the unit price is
ALWAYS more than the quantity pricing of say, 100. Only banks somehow
do their pricing the opposite - small number of dollars, low cost;
large number of dollars, higher cost!

Oh, well, "Golden Rule."
 
[For convenience, I put back the full length url.]
Yes, I defintely could, especailly since I can see the pdf file in the
original. . I'm going to hope that copying and and pasting was easy
after you found it if you could do it.

Thanks a lot, for the method, the answer, and the text.

I'm still meaning to instal Ubuntu somewhere, but keep getting
distracted by other things.

These three headings are almost 3 inches higher, on a 14" monitor,
than the part Robert commented on.
So this refers to a Standby Letter of Credit/ Issuance Fee.

So they're talking about a 1% fee for a milliion dollar letter of
credit, a thousand dollars!,, even though one can borrow the money
itself for no fee at all!!!

BTW, this is my brother's money,

And even he's only borowing 200K, to buy an apartment when he hasn't
sold the one his familiy is living in. He thinks its better to
borrow when interest rates are low, and doesnt' want to answer a lot
of qustions for a mortgage. . My mother made me the trustee of a
bunch of his money.

My femaile friend's boyfriend is a stock broker and he says that
brokers are one step above snakes, and pointed out, despite what the
broker told me, that they won't notify me when more money has to be
added, that their computers are set to start selling my brother's
stiocks with no notice and no choice, plus the international bank rate
can go up and they can increase the "spread" the fee they charge, with
no notice to me at all, and they can call the whole loan at any time,
and sell the collateral then too, resulting in broker fees and capital
gains taxes.

Even in this, 2 above is pretty much contradicted by 3, and her
boyfriend says it's 3 that applies, not 2. That's why I'm reading
this stuff so carefully. But my brother wants to go through with it,
and figures he'll pay back the money within a year after he sells his
current apartment.
Wow! a fee for financing above $1M ?! Doesn't that fly in the face of
every other 'volume' transaction? What I'm saying is cost of small
quantity, in this case money, costs LESS, than cost of large volume of
quantity, in this case more money.

Well, the cost of a letter of credit for 100,000 to 1M was 1.5%, more
than the 1% for 1M+, so they agree with you!! :-)
 
I'm still meaning to instal Ubuntu somewhere, but keep getting
distracted by other things.

I have been using Ubuntu for four years plus. And it is cute and all and
the OS works wonderful and all. But Linux has so few useful applications
that it is only good for the most basic tasks. If that is you, then you
two should get along just fine. ;-)
 
BillW50 said:
I have been using Ubuntu for four years plus. And it is cute and all and
the OS works wonderful and all. But Linux has so few useful applications
that it is only good for the most basic tasks. If that is you, then you
two should get along just fine. ;-)

Any tool that helps me get the job done, is appreciated.
That's why I use VMs every day.

Debian has something like 15,000 packages in the Repository,
so it's not like anyone knows all of them or anything.
Debian is used as a base for a lot of the other distros.

And things not in the Repository, can be pulled in, if there
is a PPA for it. But then, you don't get the benefit of
as much peer review of what's in the code.

When I tried to edit a movie in Linux Land, it took me
two weeks. If I'd spent $99 on a Windows movie editor,
I probably would have been finished in a day or two
(I was just removing "head roll" from some VCR-to-capture-card
content). The lure of "free" tools, does have a price,
in terms of the time needed to try them out. And
discovering how many rough edges they have.

Paul
 
Any tool that helps me get the job done, is appreciated.
That's why I use VMs every day.

VMs why? As VMs is never exactly like the real thing and you have to
give up something. I like running the real thing myself. Although I have
been known to run emulators from the 80's on modern machines. The big
trade off is faster processors and far more memory on machines today.
Although even with the pluses, sometimes the real machines are much better.
Debian has something like 15,000 packages in the Repository,
so it's not like anyone knows all of them or anything.
Debian is used as a base for a lot of the other distros.

15K isn't a lot nowadays. Heck two decades ago the Commodore 64 had over
30K.
And things not in the Repository, can be pulled in, if there
is a PPA for it. But then, you don't get the benefit of
as much peer review of what's in the code.

Yes exactly!
When I tried to edit a movie in Linux Land, it took me
two weeks. If I'd spent $99 on a Windows movie editor,
I probably would have been finished in a day or two
(I was just removing "head roll" from some VCR-to-capture-card
content). The lure of "free" tools, does have a price,
in terms of the time needed to try them out. And
discovering how many rough edges they have.

Yes indeed.
 
jim said:
On Sat, 10 Mar 2012 17:49:06 -0500, in
Wow, Paul, you did a lot here. I am passing all of this on to my friend.

Thanks,

jim

It turns out, there is a simple substitution involved. (Simple in the
cryptography sense, not in the practical implementation sense.)

The idea of "damaging" documents in that way, starts with ideas here.

http://spivey.oriel.ox.ac.uk/corner/Obfuscated_PDF

I managed to fix the test document, using three tools and
a lot of hand-crafted scripts (for testing).

XPDF is a tool (typically see on Linux platforms), and it has a
dandy function for converting PDF to PS. It has a "copy" check, and
checks the "copy" status of the document. With no source modification,
it won't convert the test document. Mayayana mentions the "doc->okToCopy"
fix, and there are several places in the source where that check can be
commented out. On the one hand, the author of the program doesn't
want the function defeated, but on the other hand, the software
doesn't try to hide where the function is checked. A recompile,
and I could do conversions with it.

Ghostscript (ps2ascii) was originally written to handle dvi2ps output.
Dvi2ps was a conversion tool, noted for some pretty dreadful looking copy
when you were finished. I've received a few manuals years ago, in dvi2ps
format, and they were hard to read because of the fonts. The ps2ascii
was written, as a means of converting the postscript documents, back
into text. It was never intended to be a general purpose tool (to handle
any PS or PDF that comes along).

The third tool used, was Fontforge. It's available in my Linux VM, and
that's all I could find for editing fonts.

I converted from PDF to postscript, using XPDF and ps2ascii. In the case
of ps2ascii, the tool (set to COMPLEX mode in the .bat file) will output
font calls and text strings. They in turn, can be converted back into
PostScript font calls, and the text strings into "x y moveto (string) show"
type constructs. Basically, I can build a new PostScript file, using the
fonts and strings that ps2ascii emits.

Using the XPDF output, I get 15 subsetted fonts. You have to put those
into separate files, and then Fontforge can read all of the fonts.
(Initially, the fonts wouldn't read, when there were too many in one file.)
The fonts need to have the letters moved around, in the boxes, as
part of the repair. On some of the fonts, this required selecting
"ReEncode" to create a new encoding. On others, the encoding was close
enough, that moving a few letters did the job. This is an example
of a font, after the letters have been "put back in the right holes".

http://img171.imageshack.us/img171/463/fontforge.gif

Using the same fonts, you look at how the position of the characters
in the font, differ from their "normal" position. Comparing Courier
font (regular encoding) to the jumbled font, I can make translation
tables. Creating a small test PostScript file, and using the ( ) show
command 256 times, dumps a 16x16 table of letters for examination.

http://img254.imageshack.us/img254/8181/fonttable.gif

Then, I can make my translation tables.

z="SZNMKL\+MSTT31c55100" # /F1147_0

font[z,"\$"] = "A"
font[z,"\%"] = "B"

It turned out, that ps2ascii gave output I could convert
easily with a script. But ps2ascii, doesn't intercept the
font sizes correctly. About four of the fifteen fonts, caused
a problem. And adjusting the font size by hand, wasn't going to
work either. I tried some simple approaches first, but the
quality wasn't there. (The idea is, to make all the colored
text sections, not overlap, as a metric for quality.)

So then, I captured the font sizes for the characters, as captured
in the XPDF output, and made a roughly two million entry table from
it. Then, had the program that reads the psascii output, also read
in the two million entry table (one entry per letter). From that,
I could associate the correct font size with each letter. (See a
letter in psascii output, verify the same letter was next in the
XPDF table, copy the font size from the XPDF table, and get some
better font size info for output.)

With the letters translated, and the font table entries pushed around,
this is what the final output looks like. If you wipe the mouse over
any of the text, and do a copy/paste, the text is pretty good. (Occasionally,
a "space" character goes missing, as in the example text below. Also in that
sample, the handling of the hyphen was screwed up when copy/pasted.) But if
you zoom into this picture, and look at the letters in the font, something
happened to this particular font when I re-generated it. There is
something wrong with the baseline of the individual characters.
(The left and center leg of the small "m" are lifted a bit, making
the "m" look tilted.) It would appear, when I used the copy/paste
within Fontforge, some auxiliary information didn't get copied at
the same time. Which is why you'd use a program like that in the
first place, to get details like that correct. In any case, you
could still read the document in its current form, it just doesn't
look its best.

http://img189.imageshack.us/img189/6286/samplepdf.gif

(And seven lines, copy/paste from the third paragraph.)

6. Abu Ishaq Sa‘d bin Abu Waqqas (May Allah be pleased with him) (one of the ten who had been
given the glad tidings of entry into Jannah) narrated: Messenger of Allah (PBUH) visited me in my
illness which became severe in the year of Hajjat-ul-Wada‘ (Farewell Pilgrimage). I said, "O
Messenger of Allah, you can see the pain which I am suffering and I am a man of means and there is
none to inherit from me except one daughter. Should I give two-thirds of my property in charity?’’ He
(PBUH) said, "No". I asked him, "Then half?’’ He said, "No". Then I asked, "Can I give away onethird".
He said, "Give away one-third, and that is still too much. It is better to leave your heirs well-off

The method I used, can't be turned into general purpose software,
because the Fontforge step is effectively "human OCR". It reduces
the error rate, in the sense that I only have to get about 300
character translations right, to get the ~2 million character
document right. But it's still a step where software couldn't
help. The thing is, the obfuscation method, breaks the binding of
a "tag" to a set of drawing commands, and without a means of
identifying what a given set of font drawing commands do, you can't
figure it out. It would take an OCR algorithm, driving the Fontforge
step, to automate this.

Printing the document to TIFF format files, one per page, and doing
OCR on that, will lead to a lot of character errors and spacing errors
as well. The translation I did, still needs a lot of work. In particular,
there are a number of purposeful typos in the document. Like the use of
two '' instead of a " , as in the sample above. One typo was so purposeful,
they replaced the letter "i" with a completely different font (introduced
only to draw that one letter), and doing a font change in the middle of a
word is not something that happens from "fat fingers". It requires
forethought.

Paul
 
snip...

Well, the cost of a letter of credit for 100,000 to 1M was 1.5%, more
than the 1% for 1M+, so they agree with you!!  :-)
...snip....

You are being sarcastic, right?

that's $10,000 for the first million, but if you want $1,000,100, then
the cast is $15,001, so the extra $100 just cost you $5,001 !!!!

If they did that when I bought parts, I'd be livid. Oh yeah that
transistor is $1 ea, unless you want a 100 of them then they're $1.50
each ?!

Incredibly backward logic at play here.
 
You are being sarcastic, right?

that's $10,000 for the first million, but if you want $1,000,100, then
the cast is $15,001, so the extra $100 just cost you $5,001 !!!!

Here's how I read the above:
Borrowing $100K-$1M costs you 1.5%, or $15K
Borrowing more than $1M costs you 1%, or 10K.

It looks logical to me.
 
Thanks, Paul, I have passed your findings on to my friend. That is wild
about the in-sentence character substitutions. I wonder why the creator
of this pdf went to such lengths to protect it........

jim


On Tue, 03 Apr 2012 00:54:12 -0400, in
jim said:
On Sat, 10 Mar 2012 17:49:06 -0500, in
Wow, Paul, you did a lot here. I am passing all of this on to my friend.

Thanks,

jim

It turns out, there is a simple substitution involved. (Simple in the
cryptography sense, not in the practical implementation sense.)

The idea of "damaging" documents in that way, starts with ideas here.

http://spivey.oriel.ox.ac.uk/corner/Obfuscated_PDF

I managed to fix the test document, using three tools and
a lot of hand-crafted scripts (for testing).

XPDF is a tool (typically see on Linux platforms), and it has a
dandy function for converting PDF to PS. It has a "copy" check, and
checks the "copy" status of the document. With no source modification,
it won't convert the test document. Mayayana mentions the "doc->okToCopy"
fix, and there are several places in the source where that check can be
commented out. On the one hand, the author of the program doesn't
want the function defeated, but on the other hand, the software
doesn't try to hide where the function is checked. A recompile,
and I could do conversions with it.

Ghostscript (ps2ascii) was originally written to handle dvi2ps output.
Dvi2ps was a conversion tool, noted for some pretty dreadful looking copy
when you were finished. I've received a few manuals years ago, in dvi2ps
format, and they were hard to read because of the fonts. The ps2ascii
was written, as a means of converting the postscript documents, back
into text. It was never intended to be a general purpose tool (to handle
any PS or PDF that comes along).

The third tool used, was Fontforge. It's available in my Linux VM, and
that's all I could find for editing fonts.

I converted from PDF to postscript, using XPDF and ps2ascii. In the case
of ps2ascii, the tool (set to COMPLEX mode in the .bat file) will output
font calls and text strings. They in turn, can be converted back into
PostScript font calls, and the text strings into "x y moveto (string) show"
type constructs. Basically, I can build a new PostScript file, using the
fonts and strings that ps2ascii emits.

Using the XPDF output, I get 15 subsetted fonts. You have to put those
into separate files, and then Fontforge can read all of the fonts.
(Initially, the fonts wouldn't read, when there were too many in one file.)
The fonts need to have the letters moved around, in the boxes, as
part of the repair. On some of the fonts, this required selecting
"ReEncode" to create a new encoding. On others, the encoding was close
enough, that moving a few letters did the job. This is an example
of a font, after the letters have been "put back in the right holes".

http://img171.imageshack.us/img171/463/fontforge.gif

Using the same fonts, you look at how the position of the characters
in the font, differ from their "normal" position. Comparing Courier
font (regular encoding) to the jumbled font, I can make translation
tables. Creating a small test PostScript file, and using the ( ) show
command 256 times, dumps a 16x16 table of letters for examination.

http://img254.imageshack.us/img254/8181/fonttable.gif

Then, I can make my translation tables.

z="SZNMKL\+MSTT31c55100" # /F1147_0

font[z,"\$"] = "A"
font[z,"\%"] = "B"

It turned out, that ps2ascii gave output I could convert
easily with a script. But ps2ascii, doesn't intercept the
font sizes correctly. About four of the fifteen fonts, caused
a problem. And adjusting the font size by hand, wasn't going to
work either. I tried some simple approaches first, but the
quality wasn't there. (The idea is, to make all the colored
text sections, not overlap, as a metric for quality.)

So then, I captured the font sizes for the characters, as captured
in the XPDF output, and made a roughly two million entry table from
it. Then, had the program that reads the psascii output, also read
in the two million entry table (one entry per letter). From that,
I could associate the correct font size with each letter. (See a
letter in psascii output, verify the same letter was next in the
XPDF table, copy the font size from the XPDF table, and get some
better font size info for output.)

With the letters translated, and the font table entries pushed around,
this is what the final output looks like. If you wipe the mouse over
any of the text, and do a copy/paste, the text is pretty good. (Occasionally,
a "space" character goes missing, as in the example text below. Also in that
sample, the handling of the hyphen was screwed up when copy/pasted.) But if
you zoom into this picture, and look at the letters in the font, something
happened to this particular font when I re-generated it. There is
something wrong with the baseline of the individual characters.
(The left and center leg of the small "m" are lifted a bit, making
the "m" look tilted.) It would appear, when I used the copy/paste
within Fontforge, some auxiliary information didn't get copied at
the same time. Which is why you'd use a program like that in the
first place, to get details like that correct. In any case, you
could still read the document in its current form, it just doesn't
look its best.

http://img189.imageshack.us/img189/6286/samplepdf.gif

(And seven lines, copy/paste from the third paragraph.)

6. Abu Ishaq Sa‘d bin Abu Waqqas (May Allah be pleased with him) (one of the ten who had been
given the glad tidings of entry into Jannah) narrated: Messenger of Allah (PBUH) visited me in my
illness which became severe in the year of Hajjat-ul-Wada‘ (Farewell Pilgrimage). I said, "O
Messenger of Allah, you can see the pain which I am suffering and I am a man of means and there is
none to inherit from me except one daughter. Should I give two-thirds of my property in charity?’’ He
(PBUH) said, "No". I asked him, "Then half?’’ He said, "No". Then I asked, "Can I give away onethird".
He said, "Give away one-third, and that is still too much. It is better to leave your heirs well-off

The method I used, can't be turned into general purpose software,
because the Fontforge step is effectively "human OCR". It reduces
the error rate, in the sense that I only have to get about 300
character translations right, to get the ~2 million character
document right. But it's still a step where software couldn't
help. The thing is, the obfuscation method, breaks the binding of
a "tag" to a set of drawing commands, and without a means of
identifying what a given set of font drawing commands do, you can't
figure it out. It would take an OCR algorithm, driving the Fontforge
step, to automate this.

Printing the document to TIFF format files, one per page, and doing
OCR on that, will lead to a lot of character errors and spacing errors
as well. The translation I did, still needs a lot of work. In particular,
there are a number of purposeful typos in the document. Like the use of
two '' instead of a " , as in the sample above. One typo was so purposeful,
they replaced the letter "i" with a completely different font (introduced
only to draw that one letter), and doing a font change in the middle of a
word is not something that happens from "fat fingers". It requires
forethought.

Paul
 
Back
Top