понедельник, 20 апреля 2015 г.

uMilitary Allotment Processor Must Refund Servicemembers $3.1M For Charging Hidden Feesr


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  • A company aimed at preserving the financial well-being of deployed servicemembers by processing payments to creditors on the consumers’ behalf instead contributed to customers’ financial distress by charging millions of dollars in hidden fees, the Consumer Financial Protection Bureau alleges in a new complaint.

    The CFPB announced today that Kentucky-based Fort Knox National Company and its subsidiary must provide $3.1 million in redress to servicemembers for allegedly unfairly and deceptively charging consumers fees for payment services.

    According to the CFPB complaint [PDF], Fort Knox National Company and its subsidiary Military Assistance Company (MAC) acted as one of the largest third-party processors of military allotments – which allow servicemembers to deduct payments directly from their earnings to be used to send money home to their families and pay their creditors.

    From 2010 to 2014, the CFPB alleges that Fort Knox National and MAC routinely enrolled servicemembers into its military allotment processor without adequately disclosing the fees and then charged the servicemembers without telling them.

    Through the processor, servicemembers were able to set up an allotment that transferred a portion of their pay into a pooled bank account controlled by MAC. Funds from that account would then be used to make monthly payments to a creditor or family members. For that service, MAC charged servicemembers between $3 and $5.

    In many occasions, excess funds accumulated in the payment accounts after the consumer’s debt was repaid, resulting in “residual” balances.

    The CFPB alleges that instead of notifying consumers that their debts had been repaid, Fort Knox National and MAC routinely charged recurring, undisclosed fees against the residual balances.

    The undisclosed fees included: $5 to send a letter to the servicemember about his or her residual balance; $5 to send a similar letter to the servicemember’s current or past creditor; and a recurring fee of $12 to $20 if the account sat idle with a positive balance for more than six months. Additionally, the company allegedly charged a fee equal to the remaining money in a servicemember’s account when the balance fell below the next round of fees.

    As a result, the CFPB claims that tens of thousands of servicemembers had their money slowly drained from their accounts without any warning or disclosure from MAC. And because the active allotments would replenish the money in the payment account, MAC continued to take such fees in a way that servicemembers could not easily track.

    CFPB Takes Action Against Military Allotment Processor for Charging Servicemembers Hidden Fees [Consumer Financial Protection Bureau]



ribbi
  • by Ashlee Kieler
  • via Consumerist


uKraft To Remove Synthetic Colors, Artificial Preservatives From Original Mac & Cheeser


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  • The bright orange color of your childhood will no longer come from a synthetic source: After removing controversial dyes from some kid-targeted macaroni and cheese products, Kraft is following suit by nixing synthetic colors and artificial preservatives from its Original Macaroni & Cheese in the United States, with Canada to follow later.

    Starting in January 2016, Original Kraft Macaroni & Cheese will get its familiar orange hue and cheese-ish flavor from ingredients like paprika, annatto and turmeric, Kraft says in a statement, instead of Yellow 5 and Yellow 6. Shapes Cups, Original Cups, Premium Flavors and Easy Mac will have no artificial flavors, preservatives or synthetic colors later next year.

    The company says the change comes in response to what customers want, after apparently sitting around watching people make boxed dinners at home.

    “We’ve met with families in their homes and watched them prepare Kraft Mac & Cheese in their kitchens. They told us they want to feel good about the foods they eat and serve their families, including everything from improved nutrition to simpler ingredients,” said Triona Schmelter, Vice President of Marketing, Meals, in the prepared statement.

    So why the gap between removing dyes from three kid-targeted meals to the original box in blue? Kraft says it had to work out a recipe that would still taste same, which is always a battle for companies that want to update their products but don’t want to inspire the wrath of loyal customers who may be resistant to any changes.

    “We weren’t ready to change the product until we were confident that Kraft Macaroni & Cheese tastes like Kraft Macaroni & Cheese,” Kraft said, according to the Associated Press.

    Michael F. Jacobson, executive director of the Center for Science in the Public Interest, welcomed Kraft’s announcement.

    “As consumers increasingly try to find dye-free foods, it’s increasingly going to be in the economic self-interest of Kraft and other food manufacturers to get rid of artificial dyes,” he says. “Kraft’s Macaroni and Cheese isn’t a health food. But replacing its Yellow 5 and Yellow 6 with natural colorings is a step in the right direction that will help families with children avoid the hyperactivity and other behavioral problems triggered or exacerbated by the chemicals.”



ribbi
  • by Mary Beth Quirk
  • via Consumerist


uHBO Now International Users Subscribing With IP Runarounds Getting The Bootr


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  • gotpe2While fans of HBO who didn’t want to sign up for a cable package to get every titillating, skin-baring moment on Game of Thrones (so basically, any given moment in the show) have been rejoicing over HBO Now, anyone outside the United States was left outside in the rain… that is, unless, they got around that inconvenience using VPNs or other ways to mask their IP addresses. Those international users are now getting the heave-ho from HBO.

    International subscribers who signed up to use HBO Now using IP maskers, VPN connections and proxies to get access to the service have been receiving warning messages letting them know that the jig is up. According to an Australian subscriber on Reddit (via with WinterIsComing.net), proxy pirates are receiving the below message:

    Dear HBO NOW User:

    It has come to our attention that you may have signed up for and viewed video content on the HBO NOW streaming service from outside of the authorized service area (the United States, including D.C. and certain US territories).

    We would like to take this opportunity to remind you that the HBO NOW streaming service is only available to residents of the United States, for use within the United States. Any other access is prohibited by our Terms of Use.

    If you feel that you have received this message in error, and that you have both met the eligibility requirements for HBO NOW and have been using the service within the United States, please call us at 1-855-366-2183. If we do not hear from you by April 21, we will proceed with deactivating your HBO NOW account without further notice to you. Please note that it is your responsibility to cancel any automatic billing with your Subscription Provider to avoid incurring charges for any future months.

    Thank you, The HBO NOW Team

    This, because even though HBO has fans across the globe, many of them dont’ get their HBO content through an HBO channel itself, but through different licensing deals. For example, in the UK, fans see Silicon Valley on Sky Atlantic. On the continent, HBO’s shows are shown through partnerships with channels like Telnet, Betv, Amdia and more.

    Allowing people to subscribe to HBO Now on an international level would mean bypassing all those licensing agreements, something that would make those channels very, very mad, and likely make big legal trouble for HBO.

    HBO Booting Non-US Users From HBO Now [WinterIsComing.net]



ribbi
  • by Mary Beth Quirk
  • via Consumerist


uHere Are The Most Ridiculously Long Binge-Watches Available For Anyone With 200+ Hours To Killr

uComcast To Meet With Justice Dept. To Discuss Time Warner Cable Mergerr


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  • In the wake of a report that antitrust attorneys at the U.S. Dept. of Justice are leaning toward blocking the pending $45 billion merger of Comcast and Time Warner Cable, it looks like the cable giants are going to meet with the DOJ later this week to discuss the status of the deal.

    This is according to Bloomberg, which reports that the DOJ is looking into Comcast’s involvement with the Hulu streaming service it co-owns with News Corp and Walt Disney Co.

    After Comcast acquired NBC Universal (and its share of Hulu) in 2010, the cable giant was supposed to become a passive investor. The DOJ has been reviewing whether Comcast was too involved in keeping Disney from selling off its stake in Hulu in 2013.

    If the DOJ and FCC don’t sue to block the merger, they will likely try to put conditions on the deal. Because Comcast would not face any financial penalty if the merger falls apart, the company could walk away from the acquisition if it feels that the restrictions aren’t worth the additional 10 million customers it would acquire.



ribbi
  • by Chris Morran
  • via Consumerist


uBMW Recalls 91,000 Mini Coopers For Passenger Airbag Issuesr


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  • Airbags only help to protect a person from injury in the event of a crash if they actually deploy. That seems to be a problem for more than 91,000 Mini Coopers being recalled because the vehicle’s detection system might not realize a passenger is present.

    According to a notice [PDF] submitted to the National Highway Traffic Safety Administration, BMW has issued a recall of 91,800 model year 2005-2006 Mini Cooper and Cooper S and model year 2005-2008 Cooper Convertible and Cooper S Convertible vehicles.

    The manufacturer says that due to manufacturing, installation, and exposure issues, the front passenger seat occupant detection mat may not function properly. If the mat does not detect a passenger, the frontal airbag may not deploy in the event of a crash.

    BMW says it is aware of one report of one alleged minor passenger injury possibly related to the defect.

    Owners of affected vehicles will be notified by the manufacturer and dealers will replace the front passenger seat occupant detection mat.

    Vehicle owners who previously paid to have their vehicle’s detection mat repaired will be reimbursed for the cost.



ribbi
  • by Ashlee Kieler
  • via Consumerist


u3D, Smell-O-Vision & Indoor Weather: Rating The Best & Worst Movie Theater Innovationsr


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  • Summer blockbuster season is almost upon us. The months of kicking back in the full-blast air conditioning and watching digitally-created stuff blow up will begin in just a couple of weeks, and at this point, it’s an annual ritual.

    But air conditioning was not always with us. At one point, it became a big new feature movie theaters used to entice customers through their doors. Movie theaters (and the studios that make the movies) have tried a lot of things to entice customers through those doors. Some were brilliant, and changed cinema history. Some were complete duds that it’s hard to believe anyone wasted a penny on.

    And so, from passing fads to worldwide game-changers, here are some of the gimmicks and innovations we’ve seen in a century of going to the movies.

    1909: 35MM FILM

    innovation100Various gauges of film were in use from the dawn of cinema, but one single type of 35mm film became standard at around this point. That standardization was a big boost to the distribution and exhibition end of things: any projector, owned by any exhibitor, had the technical facility to display anyone’s movie. That let movies travel nationwide and worldwide with comparative ease.

    VERDICT: 100% innovation. Essential to the early spread of the medium, and not superseded until over 100 years later.

    1913: TRAILERS/PREVIEWS

    innovation50The ubiquitous 30 minutes of highly-measured, carefully-crafted, green- and red-band trailers before any movie wouldn’t show up for decades to come, but one enterprising advertising manager for Loew’s had the bright idea to splice together some promotional material for an advertisement to run with film in 1913. By 1916 the studios were making their own, and the National Screen Service took over the trailer biz in 1920.

    VERDICT: Could go either way. Audiences don’t actually need trailers for the movie theater experience, but for better or worse the advent of previews changed marketing and cultural consumption of media forever after.

    1922: STADIUM SEATING

    innovation100Why it took 75 years after this invention for the idea to take off we will never understand. Stadium seating is an elegant solution to the unavoidable problem of the tallest person in the theater always managing to sit right in front of you. Craning your neck just to see anything below the top third of the screen is no fun for anyone.

    The first movie theater to have stadium seating in the auditorium was the Princess Theatre in Honolulu, all the way back in 1922. IMAX theaters and some palace theaters adopted the technique over the following decades but it didn’t become ubiquitous in the modern multiplex until the late 1990s-early 2000s.

    VERDICT: Totally an innovation. A small change to floor plan that makes the viewing experience approximately ten zillion percent more comfortable for the viewer.

    1927: SOUND

    innovation100The Jazz Singer, released in 1927, is very famously the first full feature film to have been a “talkie.” (Though it employed “live” recorded ambient audio, dialogue, and music only in selected scenes, and not throughout.) The film was a smashing hit, and Warner Brothers and the other studios sensibly followed the money.

    Not all film before this point was completely silent (there were accompanying scores and effects), but recording and synchronizing not only music and sound effects but also dialogue on the actual film, in such a way that it played back both audibly and correctly with the images, was a huge innovation. Fitting theaters nationwide with sound systems took years, but the films stopped being recorded as only silent in 1929.

    VERDICT: 100% innovation. Silent film as a medium and art form has been all but dead for decades.

    1930s: CONCESSIONS

    innovation50Patrons have brought snacks into the movies since before the advent of the first nickelodeon.

    (Steve)

    (Steve)

    But it took until the Great Depression for theaters to stop fighting it and instead to realize they, instead of an unaffiliated stand outside, could be the ones profiting from popcorn sales. And boy do they ever profit. In 2009, researchers estimated that 20% of theater revenue, and 40% of theater profit, comes from our urge to munch while we watch.

    VERDICT: Mixed bag. On the one hand, snacks have kept cinemas afloat in hard times. And on the other hand, $8 for a soda? Are you freaking kidding me?

    1934: TECHNICOLOR; 1952: EASTMANCOLOR

    innovation100Color film did not spring into being with Gone With The Wind or Snow White And The Seven Dwarfs. The first color films date all the way back to 1902. But those were colored, developed, or projected with laborious, intensive processes. Technicolor introduced a three-strip process in 1932 that was expensive and bulky, but easy to record in and project back. And so the color film era was born.

    In 1952, Kodak came along with a cheaper, easier process: high-quality color 35mm film. Studios could process it in-house in their own facilities without having to spend time and money on Technicolor’s processes. Eastmancolor became dominant in Hollywood, and so did movies in color.

    VERDICT: Innovations, both. Black-and-white film still exists as an artistic choice but color, in movies and still photography, has long since become our dominant visual language.

    1933: DRIVE-IN THEATERS

    innovation30Nothing quite evokes nostalgia for the imagined golden-tinted 1950s like the image of a drive-in theater. Americans’ love affair with cars, plus Hollywood and the joy of the B-movie — what’s not to love? The first drive-in opened in New Jersey in 1933. At their peak, in the late 1950s and early ’60s, there were more than 4000 drive-ins across the country — an estimated quarter of all movie screens. By 2013, there were 368 drive-ins left.

    VERDICT: More gimmick than innovation. Drive-ins have a very specific cultural cachet and sense of nostalgia attached, but they didn’t really add all that much to the film exhibition or viewing experience. They did, however, guarantee make-out spots for hundreds of thousands of teenagers.

    1940: SURROUND SOUND

    innovation100At this point, sound is half the reason you go to the theater. That star destroyer comes in from overhead, or bullets whiz around you on left and right. Dialogue moves with characters, as they wander around a room. We have Disney to thank for bringing it to the movies: the first feature film to use surround sound was 1940’s symphonic extravaganza Fantasia.

    VERDICT: Completely innovative. At this point, millions of us even have 5.1 or 7.1 surround sound setups in our own living rooms.

    1952: CINERAMA

    innovation50Before there was IMAX, there was Cinerama. The technology used multiple projection points and an incredibly wide, curved screen to create a massive sense of spectacle and immersion. The most famous Cinerama flick is no doubt Stanley Kubrick’s 1968 2001: A Space Odyssey, which used the large format to make the spectator feel the sheer size of space. However, Cinerama’s three-projector setup was just a colossal pain in the butt for exhibitors and so it faded as other formats rose.

    VERDICT: Innovative in the artistic sense, but utlimately failed in the face of less expensive, less cumbersome large-format options.

    1952: STEREOSCOPIC 3D

    innovation103D viewing actually goes well back into the 19th century — many Civil War photographs were meant to be viewed stereoscopically. But achieving that same effect in film viewing is… a little more complicated.

    The first main go, in the famous era of the red/green cardboard glasses, took off in 1952 with the release of the first full 3D feature film, Bwana Devil. The craze lasted until roughly 1954, when movie studios got tired of how expensive it was and movie theaters got tired of what a pain in the butt it was to keep two simultaneous film strips 100% synchronized. Additionally, other formats — like anamorphic widescreen — were coming into use and proving more popular.

    VERDICT: Totally a gimmick. 3D at the time really didn’t add much to the movies, either artistically or commercially. Despite Hitchcock’s Dial M for Murder.

    1960: SMELL-O-VISION

    innovation0In the history of gimmicks, the gimmickiest might be Smell-O-Vision. The system of piping in scents to the theater at key points in the film didn’t even last long enough to become a passing fad. Exactly one movie had its smell score appended to its soundtrack: 1960’s Scent of Mystery which was, apparently, about as great as you’d think.

    VERDICT: Why anyone thought this was a good idea remains lost to the mists of time. The movie flopped, and so did Smell-O-Vision.

    1963: MULTIPLEXES

    innovation80Movie theaters have a dozen or two screens simultaneously showing a whole bunch of different films. By 2015, it’s basically the law of the land. All our theaters, except sometimes the art houses, work that way. But it was not always so. In the evolution from vaudeville through nickelodeons to movie palaces and drive-ins, the idea of showing a whole bunch of stuff at once in multiple, isolated theaters took a while to show up. (And the scratch to buy multiple projectors and put in some soundproofing between the rooms.)

    Canadians came up with the idea a few years earlier, but the first multi-screen movie theater in the U.S. opened in 1963 in Kansas City. It was an AMC.

    VERDICT: Innovative. It allowed theater operators to double their revenues without doubling their costs, and it allows many, many more people to partake a movie of an evening — as long as they don’t all want to see the same one.

    1968: CONTENT RATINGS

    innovation60G, PG, PG-13, R, and NC-17: we all know the current version of the rating system, and we know what it’s theoretically supposed to signal. Rating a movie doesn’t change the experience of seeing it, exactly, but it does change the experience of what you even can see in the first place. And having a strict rating system in place has a strong effect, over time, of what content you see in those movies that you may or may not be allowed to buy tickets to.

    The MPAA’s 1968 “voluntary” system, which launched with ratings G, M, R, and X, was able finally to end the odious Hays Code. The Code prohibited not only sex, violence, and profanity but also “miscegenation,” “ridicule of the clergy,” and “white slavery,” (but not any other slavery) among other things, from being depicted in film.

    VERDICT: More innovative than you’d think. Although the MPAA rating system has plenty of problems, it’s entirely preferable to what came before and improved the breadth and maturity content Hollywood was willing and able to put on the silver screen.

    1970: STEREOSCOPIC 3D (AGAIN)

    innovation10A new 3D process, called “Stereovision,” was developed in 1970 and used through the early 1980s. The tech allowed both images to be recorded on a single strip of 35mm film and then separated again for viewing.

    If you never heard of it, that’s because it was not exactly used for major blockbusters but instead for B-movies and for porn. Several 1950s-era classics were also re-released in theaters on 3D in the 1970s and 1980s but big new 3D blockbusters — or at least, successful ones — were thin on the ground.

    VERDICT: Still pretty gimmicky. 3D ebbed and flowed ever since its invention but its second big ‘resurgence’ wasn’t that much more impressive than the first go.

    1971: IMAX

    innovation30If you’re talking large-format, you’re talking IMAX. The film on which IMAX is shot is literally four times the size of your standard 35mm film.

    The cameras are enormous, expensive, and finicky. The film reels are so huge that they are difficult to transport (or to lift) and the projectors, and their bulbs, can cause significant injury. But the film looks, bluntly, gorgeous. And big. Really big. And so IMAX — with and without 3D — has become ubiquitous for science and nature displays in museums.

    There has been an expansion of IMAX to commercial film (directors Christopher Nolan and JJ Abrams are particular fans) in recent years, particularly since the release of a digital projector in 2008. However, most of the new multiplex “IMAX” screens are smaller than the original spec, and digital projection may not be in as high resolution.

    VERDICT: More gimmicky than not, alas. Makes tremendously good-looking films for museums and for some sequences in action blockbusters but most people wouldn’t notice if it vanished, particularly with modern improvements in ultra high-resolution digital shooting.

    1974: SENSURROUND

    innovation10The idea behind Sensurround is pretty simple: up the super low-frequency bass in the soundtrack, so that audiences feel a rumble at key moments. In theory, it adds to the experience in a way not quite unlike a rumble pack in a modern video game console controller.

    In practice, though, it was a mess. Sensurround launched with 1974’s disaster flick Earthquake, and was only used in a tiny handful of films thereafter. The speakers were expensive to install, audience members reported the occasional headache and nausea, and the soundproofing (and plastering!) in multiplexes wasn’t good enough to withstand the vibrations. By 1977, Star Wars was beating the box office pants off of Sensurround “event films” and the tech dropped dead in 1978.

    VERDICT: Not as bad an idea as Smell-O-Vision, but a gimmick doomed for the dustbin of history. Later technologies would do a better job of adding motion sensory experiences.

    1987: MOTION SIMULATORS

    innovation10Your seat rocks, zooms, swishes, and vibrates with the specially-projected film. You’re in a DeLorean, a Federation shuttlecraft, a rickety old rustbucket being driven by a droid even less sensical than R2-D2. It is a motion simulator ride, and you are probably at a Disney or Universal property or, somewhat inexplicably, a prominent regional furniture store in Massachusetts in the 1990s. [Ed.: the author’s inner 12-year-old would like to add that the MOM ride at Jordan’s Furniture was actually pretty fun.]

    Been on Star Tours? Then you’ve been on the oldest one of these in the United States, which opened at Disneyland in 1987.

    VERDICT: A complete gimmick fit only for amusement parks — more ride than movie — and yet somehow still not as dumb and idea as Smell-O-Vision. Some modern “4D” theaters are being fitted for motion but it seems unlikely to go big.

    1997: LUXURY THEATERS

    innovation80This thing happened in the early ’80s that was super bad for movie theaters: VHS. DVD made it worse, and streaming services are just another nail in the coffin… or could be. Enter the luxury theater.

    “But wait,” you say. “Weren’t there movie palaces in the 30s?” Yes, and they were opulent and lovely. But you could not order a beer, a cheeseburger, and a freshly-baked chocolate chip cookie from your seat without taking your eyes off the screen, which you totally can at the Alamo Drafthouse.

    There are a lot of variations on the luxury theater springing up all over. Alamo famously has a very strong etiquette code, in addition to a pretty good bar menu. Local theaters and regional chains that serve food and drink — sometimes in renovated, 80-year-old movie palaces — are all around. And reserved seating, massive recliners, and other amenities are starting to show up in specialized chains as well as in special areas of multiplexes.

    VERDICT: Extra points for effectiveness. Beer, burgers, reserved seats, and a strict no-phones policy aren’t exactly innovative overall, but they are a good way to win back patrons who otherwise would just stay home and wait for Netflix.

    1999: DIGITAL PROJECTION

    innovation100DLP was invented in 1998, but became talked about a year later when George Lucas announced that the first Star Wars movie in almost 20 years (sigh) would be shown digitally… in New York and L.A., anyway.

    The industry came to a consensus on digital projection standards in 2004 and after that it took off. By September of 2013, 85% of the movie theaters in the United States had converted to digital. The projectors cost six figures (presenting challenges for indie theaters and art houses), but the films themselves are significantly cheaper and not subject to wear, tear, or transportation costs.

    In short, yours truly sometimes misses the grain and texture (the aura) of real 35mm as much as the next nerd with a degree in this stuff, but let’s be real: DLP is cheaper, easier, and basically in all ways better for multiplex blockbuster viewing than celluloid is. It’s easier to store, to transmit, and to project. It doesn’t degrade after a thousand viewings, there are no reels to lose, and servers — not spindles — are the wave not so much of the future as of the present.

    VERDICT: The biggest innovation in projection in decades, perhaps a century.

    2003: STEREOSCOPIC 3D (AGAIN AGAIN)

    innovation203D is the holy grail Hollywood just can’t let go of. The modern version hit it big when James Cameron took his Titanic money to build a fancy new camera for an underwater documentary in ’03, followed by the release of The Polar Express — the first 3D computer animated film — a year later.

    This time, it seems to be sticking. The glasses work better than they used to, and computer animation lends itself well to a 3D experience. Digital projection also makes it significantly easier to project than any of the film-based solutions were.

    A large percentage of each year’s animated and action features come out in both 3D and “flat” screenings, and 3D versions of those films tend to account for between 20% and 40% of revenue. But revenue is why 3D has such staying power this time around: a theater can charge a significant premium for tickets to 3D screenings, while the projection doesn’t actually cost them any more than the 2D version.

    VERDICT: Still a gimmick, no matter how hard James Cameron, Peter Jackson, and Disney/Pixar try to convince us otherwise. But a lucrative gimmick, which gives it power.

    2015: THE WEATHER / 4D

    innovation0Variety reports this month that the big new thing in movie theaters is real! live! simulated weather! right there in the auditorium.

    CJ 4DPlex is adding “snow, rainstorm, and warm air” to its existing suite of in-theater effects, including “motion, water, fog, wind, air, lightning, bubbles, ticklers, scents and vibration.” If that combination of motion, Smell-O-Vision, Sensurround, and being poked sounds like something you sat through at Disney World in the last decade, it pretty much is. CJ 4DPlex is under the impression that American moviegoers are dying to have this experience appended to their 2015 summer action flicks, including the new Mad Max, Avengers, and Transformers films.

    VERDICT: Call us cynical, but we smell Smell-O-Vision on this one.



ribbi
  • by Kate Cox
  • via Consumerist