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Behold your future, Cavendish the Younger. You will not apply for membership, but the tribe of the elderly will claim you. Your present will not keep pace with the world's. This slippage will stretch your skin, sag your skeleton, erode your hair and memory, make your skin turn opaque so your twitching organs and blue-cheese veins will be semivisible. You will venture out only in daylight, avoiding weekends and school holidays. Language, too, will leave you behind, betraying your tribal affiliations whenever you speak. On escalators, on trunk roads, in supermarket aisles, the living will overtake you, incessantly. Elegant women will not see you. Store detectives will not see you. Salespeople will not see you, unless they sell stair lifts or fraudulent insurance policies. Only babies, cats, and drug addicts will acknowledge your existence. So do not fritter away your days. Sooner than you fear, you will stand before a mirror in a care home, look at your body, and think, E.T., locked in a ruddy cupboard for a fortnight.

I already have insurance, a religion, and a newspaper subscription... I'm also... not interested in... aggressive sales of cats...

He had wondered, as had most people at one time or another, precisely why an android bounced helplessly about when confronted by an empathy-measuring test. Empathy, evidently, existed only within the human community, whereas intelligence to some degree could be found throughout every phylum and order including the arachnida. For one thing, the empathic faculty probably required an unimpaired group instinct; a solitary organism, such as a spider, would have no use for it; in fact it would tend to abort a spider’s ability to survive. It would make him conscious of the desire to live on the part of his prey. Hence all predators, even highly developed mammals such as cats, would starve. Empathy, he once had decided, must be limited to herbivores or anyhow omnivores who could depart from a meat diet. Because, ultimately, the empathic gift blurred the boundaries between hunter and victim, between the successful and the defeated. As in the fusion with Mercer, everyone ascended together or, when the cycle had come to an end, fell together into the trough of the tomb world. Oddly, it resembled a sort of biological insurance, but double-edged. As long as some creature experienced joy, then the condition for all other creatures included a fragment of joy. However, if any living being suffered, then for all the rest the shadow could not be entirely cast off. A herd animal such as man would acquire a higher survival factor through this; an owl or a cobra would be destroyed. Evidently the humanoid robot constituted a solitary predator.

We don’t worry about who manages the bank or what they do with our money. Even if we hear on the news that our bank has started to lend large sums of money to piano-playing cats, which we think is a bad idea, we would not feel the need to show up at the bank the next morning to ask for all of our money back. If you had lent your money to an individual and they in turn lent your money to piano-playing cats, you would demand your money back immediately. But because you deposit your money into a bank account insured by the federal government, you feel no need to keep a watchful eye on what your bank does with the money. Insurance removes the incentive for customers to police a bank. It can also remove the incentive for banks to police themselves because they do not bear the full or even the most serious consequences of their actions. Removing the natural tendencies of the market to notice and punish bad choices creates a moral hazard that may result in well-funded cats and other undetected market risks.

Empathy, evidently, existed only within the human community, whereas intelligence to some degree could be found throughout every phylum and order including the arachnida. For one thing, the empathic faculty probably required an unimpaired group instinct; a solitary organism, such as a spider, would have no use for it; in fact it would tend to abort a spider’s ability to survive. It would make him conscious of the desire to live on the part of his prey. Hence all predators, even highly developed mammals such as cats, would starve. Empathy, he once had decided, must be limited to herbivores or anyhow omnivores who could depart from a meat diet. Because, ultimately, the empathic gift blurred the boundaries between hunter and victim, between the successful and the defeated. As in the fusion with Mercer, everyone ascended together or, when the cycle had come to an end, fell together into the trough of the tomb world. Oddly, it resembled a sort of biological insurance, but double-edged. As long as some creature experienced joy, then the condition for all other creatures included a fragment of joy. However, if any living being suffered, then for all the rest the shadow could not be entirely cast off.

Behold your future, Cavendish the Younger. You will not apply for membership, but the tribe of the elderly will claim you. Your present will not keep pace with the world’s. This slippage will stretch your skin, sag your skeleton, erode your hair and memory, make your skin turn opaque so your twitching organs and blue-cheese veins will be semivisible. You will venture out only in daylight, avoiding weekends and school holidays. Language, too, will leave you behind, betraying your tribal affiliations whenever you speak. On escalators, on trunk roads, in supermarket aisles, the living will overtake you, incessantly. Elegant women will not see you. Store detectives will not see you. Salespeople will not see you, unless they sell stair lifts or fraudulent insurance policies. Only babies, cats, and drug addicts will acknowledge your existence. So do not fritter away your days. Sooner than you fear, you will stand before a mirror in a care home, look at your body, and think, E.T., locked in a ruddy cupboard for a fortnight.

What is the proper length of time for grieving? Whenever I think of Anna I tear up. I tear up at the most inopportune times, often embarrassing me a senior a seemingly mature citizen. I admit to being lonely. I feel ashamed of myself for desiring the presence and companionship of a caring female. But with no children, almost no friends and fewer and fewer remaining my living area is deserted with no sign of life other than the television, the cat and the occasional telephone call reminding me that my car’s warranty had expired or that I need life insurance or a security system." — an excerpt from Alex Gall's tribute to his late wife, Anna

That’s how they pay you at DSS. Old Baggy has been at it so long she’s got no more reason to live, working two shifts a day, going home to her crap duplex in Duffield owned by her cousin that gives her a break on the rent. If you are the kid sitting across from her in your caseworker meeting, wearing your two black eyes and the hoodie reeking of cat piss, sorry dude but she’s thinking about what TV show she’ll watch that night. Any human person with gumption would have moved on to something else by now, the military or selling insurance or being a cop or even a teacher. Because DSS pay is basically the fuck-you peanut butter sandwich type of paycheck. That’s what the big world thinks it’s worth, to save the white-trash orphans.

nine times out of ten, the arsonist is a landlord looking to get some insurance money.

You will not apply for membership, but the tribe of the elderly will claim you. Your present will not keep pace with the world’s. This slippage will stretch your skin, sag your skeleton, erode your hair and memory, make your skin turn opaque so your twitching organs and blue-cheese veins will be semivisible. You will venture out only in daylight, avoiding weekends and school holidays. Language, too, will leave you behind, betraying your tribal affiliations whenever you speak. On escalators, on trunk roads, in supermarket aisles, the living will overtake you, incessantly. Elegant women will not see you. Store detectives will not see you. Salespeople will not see you, unless they sell stair lifts or fraudulent insurance policies. Only babies, cats, and drug addicts will acknowledge your existence. So do not fritter away your days. Sooner than you fear, you will stand before a mirror in a care home, look at your body, and think, E.T., locked in a ruddy cupboard for a fortnight.

I went to see the house. (...) The place was a squat—thirty-five heroin addicts were living there. The chaos was palpable. It smelled like dog shit, cat shit, piss. (...) One floor was literally burned—it was nothing but charred floorboards with a toilet sitting in the middle. This place looked terrible. “How much?” I asked. Forty thousand guilder, they told me. They clearly just wanted to dump this house. But if you bought it, you were also getting the heroin addicts who were squatting in it, and under Dutch law, it was all but impossible to get them out. For any normal human being to buy this place would be like throwing money out the window. So I said, “Okay, I’m interested.” I talked about it with my friends. “You’re nuts,” they said. “It’s not money you have—what the hell are you going to do?” ...A drug dealer [had] bought the place. But he didn’t pay the mortgage. And he didn’t pay and he didn’t pay, and finally he was in such financial trouble that he decided to burn the place down for the insurance. Except that the fire was stopped in time and only the one floor was damaged. And then the insurance investigator found that the drug dealer had done it intentionally, and the bank took the house away from him. And this was how it turned into a squat for heroin addicts. “But where is this guy?” I asked. “He’s still living in the house,” the neighbor told me. This house had two entrances. One went to the first floor and the other to the second. The door with the board across it was the entrance to the first floor, where I’d already been; the drug dealer was living on the second floor. So I went around and knocked on the door, and he answered. “I want to talk to you,” I said. He let me in. There was a table in the middle of the floor, covered with ecstasy, cocaine, hashish, all ready to go into bags. There was a pistol on the table. This guy was bloated—he looked like hell. And suddenly I poured my heart out to him. I told him everything... I said that this house was what I wanted—all I wanted—the only home I could afford with the little money I had. I was weeping. This guy was standing there with his mouth open. He stood there looking at me. Then he said, “Okay. But I have a condition.” “This is my deal. I’ll get everybody out; you’ll get your mortgage. But the moment you sign the contract and get the house, you’re going to sign a contract that I can stay on this floor for the rest of my life. That’s the deal. If you cross me...” He showed me the pistol. It was in a good neighborhood, where a comparable place would sell for forty to fifty times the price. And [now] it was empty—not a heroin addict in sight. I got a mortgage in less than a week. But now, since my bank knew the house was empty, Dutch law gave them the right to buy the house for themselves. So I went back to the drug dealer and said, “Can we get some addicts back into the place? Because it’s too good now.” “How many you want?” he asked. “About twelve,” I said. “No problem,” he said. He got twelve addicts back. I took curtains I found in a dumpster and put them on the windows. Then I scattered some more debris around the place. Now all I had to do was wait. My contract signing was two weeks away—it was the longest two weeks in my life. Finally the day came... and I walked into the bank. The atmosphere was very serious. One of the bankers looked at me and said, “I heard that the unwanted tenants have left the house.” I just looked at him very coolly and said, “Yeah, some left.” He cleared his throat and said, “Sign here.” I signed. “Congratulations,” the banker said. “You’re the owner of the house.” I looked at him and said, “You know what? Actually everybody left the house.” He looked back at me and said, “My dear girl, if this is true, you have just made the best real-estate deal I’ve heard of in my twenty-five-year career.

I was involved in a “third party accident,” they were entitled to recoup three hundred and fourteen dollars from the third party for a CAT scan I had received, and the letter asked me to identify whom the third party was. My surgeries total almost a million and a half dollars, and Tricare wants three hundred and fourteen bucks? I sat down in front of our computer and relished my reply. To whom it may concern: In response to your “Mandatory Third Party Liability” letter. Due to the nature of Naval Special Warfare operations and under the directive of the Special Operations Command in accordance with direction by the Joint Chiefs of Staff and the Secretary of Defense I cannot divulge the names of the Al QAIDA in Iraq individuals who were directly responsible for my injuries because that information is classified. I will admit that the individuals directly responsible would have a hard time paying or being contacted due to being blown into thousands of small pieces from the multiple fire missions my team called in upon them after my injuries. Probably of little importance though; after five months of combat operations and dealing with these individuals I am of the opinion they probably do not have insurance. This is unfortunate though because I would like to seek punitive damages. The only good Point of Contact I have for the AL QAIDA organization is a man that went by the name of Osama Bin Laden. He is credited as the head of said organization. If you could contact him you may be able to recover the $314.00 you would not pay. Would you please inform him when you speak to him, there are thousands of civilians and military members waiting to seek punitive damages against him. Additionally, if you could carbon copy the entire United States Government as to his location, it would be greatly appreciated. You may not know, but we have been looking for him for the past seven years. I would have paid serious cash money to watch a videotape of the insurance adjuster who first read that letter.

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