Default Country Quotes

This country sees race and sexuality as mutually exclusive. You are black or you are gay. You are brown or you are a lesbian.  White people are the only people allowed to be complex enough to be queer. Because white is the default, the normal, the expected, white people can be anything, and more than one thing simultaneously.

There's another element in the euro crisis, another weakness of a shared currency, that took many people, myself included, by surprise. It turns out that countries that lack their own currency are highly vulnerable to self-fulfilling panic, in which the efforts of investors to avoid losses from default end up triggering the very default they fear.

...America went off the track somewhere--back around the time of the Civil War, or pretty soon afterwards. Instead of going ahead and developing along the line in which the country started out, it got shunted off in another direction...Suddenly we realize that America has turned into something ugly...and the worst of it is the intellectual dishonesty which all this corruption has bred...People are afraid to think straight--afraid to face themselves...We've become like a nation of advertising men, all hiding behind catch phrases like "prosperity" and "rugged individualism" and "the American way." And the real things like freedom, and equal opportunity and the integrity and worth of the individual...they have become just words too.

I am accused of being the enemy of America, and subject to the influence of a foreign country . . . and every act of my administration is tortured, in such exaggerated and indecent terms as could scarcely be applied to Nero, to a notorious defaulter, or even to a common pickpocket.

If an EHM is completely successful, the loans are so large that the debtor is forced to default on its payments after a few years. When this happens, then like the Mafia we demand our pound of flesh. This often includes one or more of the following: control over United Nations votes, the installation of military bases, or access to precious resources such as oil or the Panama Canal. Of course, the debtor still owes us the money—and another country is added to our global empire.

When Germany defaulted in deliveries of timber, the hardheaded French Premier, who had been the wartime President of France, ordered French troops to occupy the Ruhr. The industrial heart of Germany, which, after the loss of Upper Silesia to Poland, furnished the Reich with four fifths of its coal and steel production, was cut off from the rest of the country.

WITH COMMUNISM NO LONGER VIABLE, THE DEFAULT RALLYING CRY for an autocratic Russian leader is nationalism. Putin, with his staged military parades and frequent invocation of past heroics, sounds that trumpet repeatedly. He wants citizens to believe that only he can restore his country to its rightful position in world affairs. If that means playing a little rough, so be it

The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting

If a determined, disciplined gang of statists were to make an assault on the crumbling remnants of a mixed economy, boldly and explicitly proclaiming the collectivist tenets which the country had accepted by tacit default—what resistance would they encounter? The dispirited, demoralized, embittered majority would remain lethargically indifferent to any public event. And many would support the gang, at first, moved by a desperate, incoherent frustration, by a need to protest, not knowing fully against what, by a blind desire to strike out somehow at the suffocating hopelessness of the status quo.

The Prime Minister was told by his economic advisors that India was about to default on its debt repayments. India will never default, announced Chandrashekhar and pledged part of the country’s gold reserves to cover the debt.

Of course, the problems of external default, domestic default, and inflation are all integrally related. A government that chooses to default on its debts can hardly be relied on to preserve the value of its country’s currency.

Black-on-black crime’ is jargon, violence to language, which vanishes the men who engineered the covenants, who fixed the loans, who planned the projects, who built the streets and sold red ink by the barrel. And this should not surprise us. The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting to which, likely to the end of our days, we must invariably return.

When foreign military spending [bombing Korea and Vietnam] forced the U.S. balance of payments into deficit and drove the United States off gold in 1971, central banks were left without the traditional asset used to settle payments imbalances. The alternative by default was to invest their subsequent payments inflows in U.S. Treasury bonds, as if these still were “as good as gold.” Central banks have been holding some $4 trillion of these bonds in their international reserves for the past few years — and these loans have financed most of the U.S. Government’s domestic budget deficits for over three decades. Given the fact that about half of U.S. Government discretionary spending is for military operations — including more than 750 foreign military bases and increasingly expensive operations in the oil-producing and transporting countries — the international financial system is organized in a way that finances the Pentagon, along with U.S. buyouts of foreign assets expected to yield much more than the Treasury bonds that foreign central banks hold.

You might think I had a massive advantage when it came to acquiring confidence because, as a white boy in a rich, free western country, I was under the heavy impression that this was my world and I was the default human. But that’s not confidence, that’s just a wrong-headed sense of entitlement.

Charming, happy, generous with his favors to his friends, Draco wasn't a psychopath. That was the sad and awful part, knowing human psychology well enough to know that Draco wasn't a monster. There had been ten thousand societies over the history of the world where this conversation could have happened. No, the world would have been a very different place indeed, if it took an evil mutant to say what Draco had said. It was very simple, very human, it was the default if nothing else intervened. To Draco, his enemies weren't people. And in the slowed time of this slowed country, here and now as in the darkness-before-dawn prior to the Age of Reason, the son of a sufficiently powerful noble would simply take for granted that he was above the law, at least when it came to some peasant girl. There were places in Muggle-land where it was still the same way, countries where that sort of nobility still existed and still thought like that, or even grimmer lands where it wasn't just the nobility. It was like that in every place and time that didn't descend directly from the Enlightenment. A line of descent, it seemed, which didn't quite include magical Britain, for all that there had been cross-cultural contamination of things like ring-pull drinks cans.

The pioneers and their new Indian partners amply displayed the American penchant for technological prowess, developing shore-to-shore windlasses and flatboat ferries to cross the rivers, innovations as vital to the country’s progress as the steam engine and the telegraph. America’s default toward massive waste and environmental havoc was also, and hilariously, perfected along the trail. Scammed by the merchants of Independence and St. Joe into overloading their wagons, the pioneers jettisoned thousands of tons of excess gear, food, and even pianos along the ruts, turning vast riverfront regions of the West into America’s first and largest Superfund sites. On issue after issue—disease, religious strife, the fierce competition for water—the trail served as an incubator for conflicts that would continue to reverberate through American culture until our own day.

I love my country. Holy shit, do I love America. In many ways, it is the glorious result of some very open-minded thinking on the parts of our forefathers (and the ladies advising them) a couple of centuries ago. But that right there’s the rub, y’all. We’re a group of human beings, which means we can never be done trying to improve ourselves, and by default, our systems, including our government. Now, here’s the deal: Invoking the Bible in any public school or at any government function? Un-American. Making a witness in a court of law place his or her hand on the Bible? Un-American. Disputing legislation based upon what it says in your holy book? NOT PATRIOTIC.

The danger, of course, is that it is not always easy to distinguish between a default that was inevitable—in the sense that a country is so highly leveraged and so badly managed that it takes very little to force it into default—and one that was not—in the sense that a country is fundamentally sound but is having difficulties sustaining confidence because of a very temporary and easily solvable liquidity problem. In the heat of a crisis, it is all too tempting for would-be rescuers (today notably multilateral lenders such as the IMF) to persuade themselves that they are facing a confidence problem that can be solved with short-term bridge loans, when in fact they are confronting a much more deeply rooted crisis of solvency and willingness to pay

Greece’s economic problems weren’t new. For decades, the country had been plagued by low productivity, a bloated and inefficient public sector, massive tax avoidance, and unsustainable pension obligations. Despite that, throughout the 2000s, international capital markets had been happy to finance Greece’s steadily escalating deficits, much the same way that they’d been happy to finance a heap of subprime mortgages across the United States. In the wake of the Wall Street crisis, the mood grew less generous. When a new Greek government announced that its latest budget deficit far exceeded previous estimates, European bank stocks plunged and international lenders balked at lending Greece more money. The country suddenly teetered on the brink of default.

As tensions built in the increasingly calamitous debt ceiling stalemate, two sources say, Boehner traveled to New York to personally beseech David Koch’s help. One former adviser to the Koch family says that “Boehner begged David to ‘call off the dogs!’ He pointed out that if the country defaulted, David’s own investments would tank.” A spokeswoman for Boehner, Emily Schillinger, confirmed the visit but insisted, “Anyone who knows Speaker Boehner knows he doesn’t ‘beg.’ ” But the spectacle of the Speaker of the House, who was among the most powerful elected officials in the country, third in line in the order of presidential succession, traveling to the Manhattan office of a billionaire businessman to ask for his help in an internecine congressional fight captures just how far the Republican Party’s fulcrum of power had shifted toward the outside donors by 2011.

Homer-Dixon says increasing complexity makes societies more resilient only up to a point. Connections between villages might mean one comes to the other’s aid in an attack. But as the villages become more tightly coupled, both may suffer when one is attacked. A loose network absorbs shock; a tightly coupled one transmits it. That is happening in the Covid-19 pandemic. Countries go into lockdown; people stop shopping, traveling, and producing; and the effects ricochet through a tightly coupled global economy. The global supply chains of money, materials, people, energy, and component parts that underpin industries falter and break. Airlines go under as they are not set up to weather even a temporary disappearance of travelers. Malaria worsens in Africa as insecticide and antimalarial bed net deliveries falter. Microcredit that underpins small businesses throughout the developing world defaults because payment collectors are locked down, causing ramifications throughout an economy.

These crises are really a form of domestic default that governments employ in countries where financial repression is a major form of taxation. Under financial repression, banks are vehicles that allow governments to squeeze more indirect tax revenue from citizens by monopolizing the entire savings and payments system, not simply currency. Governments force local residents to save in banks by giving them few, if any, other options. They then stuff debt into the banks via reserve requirements and other devices. This allows the government to finance a part of its debt at a very low interest rate; financial repression thus constitutes a form of taxation. Citizens put money into banks because there are few other safe places for their savings. Governments, in turn, pass regulations and restrictions to force the banks to relend the money to fund public debt. Of course, in cases in which the banks are run by the government, the central government simply directs the banks to make loans to it.

The United States has had only one woman of color serve as governor and one lesbian woman. All the other intersections of identity… zero. This country is not an anomaly in its history of centralizing political power toward a very specific sort of body; most nations have a default body in their government structures. Although social and cultural realities may shift what those bodies look like, using default bodies to establish a social hierarchy and distribute power and resources is a global phenomenon. The statistics above illustrate an irrefutable truth: body shame and oppression are both symptoms of and tools in a far more complex and sweeping system of access and resources. A system that impacts not only how we feel about ourselves but also our opportunities and ability to thrive in the world. There is a reason we hate our bodies, and it isn’t because of Curtis, our mamas, or even our low self-esteem. We are saddled with body shame because it is an age-old system whose roots and pockets are deep. Body shame flourishes in our world because profit and power depend on it.

The subprime market tapped a segment of the American public that did not typically have anything to do with Wall Street: the tranche between the fifth and the twenty-ninth percentile in their credit ratings. That is, the lenders were making loans to people who were less creditworthy than 71 percent of the population. Which of these poor Americans were likely to jump which way with their finances? How much did their home prices need to fall for their loans to blow up? Which mortgage originators were the most corrupt? Which Wall Street firms were creating the most dishonest mortgage bonds? What kind of people, in which parts of the country, exhibited the highest degree of financial irresponsibility? The default rate in Georgia was five times higher than that in Florida, even though the two states had the same unemployment rate. Why? Indiana had a 25 percent default rate; California, only 5 percent, even though Californians were, on the face of it, far less fiscally responsible. Why? Vinny and Danny flew down to Miami, where they wandered around empty neighborhoods built with subprime loans, and saw with their own eyes how bad things were. “They’d

A legacy of plunder, a network of laws and traditions, a heritage, a Dream, murdered Prince Jones as sure as it murders black people in North Lawndale with frightening regularity. “Black-on-black crime” is jargon, violence to language, which vanishes the men who engineered the covenants, who fixed the loans, who planned the projects, who built the streets and sold red ink by the barrel. And this should not surprise us. The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting to which, likely to the end of our days, we must invariably return. The killing fields of Chicago, of Baltimore, of Detroit, were created by the policy of Dreamers, but their weight, their shame, rests solely upon those who are dying in them. There is a great deception in this. To yell “black-on-black crime” is to shoot a man and then shame him for bleeding. And the premise that allows for these killing fields—the reduction of the black body—is no different than the premise that allowed for the murder of Prince Jones. The Dream of acting white, of talking white, of being white, murdered Prince Jones as sure as it murders black people in Chicago with frightening regularity. Do not accept the lie. Do not drink from poison. The same hands that drew red lines around the life of Prince Jones drew red lines around the ghetto.

During his time working for the head of strategy at the bank in the early 1990s, Musk had been asked to take a look at the company’s third-world debt portfolio. This pool of money went by the depressing name of “less-developed country debt,” and Bank of Nova Scotia had billions of dollars of it. Countries throughout South America and elsewhere had defaulted in the years prior, forcing the bank to write down some of its debt value. Musk’s boss wanted him to dig into the bank’s holdings as a learning experiment and try to determine how much the debt was actually worth. While pursuing this project, Musk stumbled upon what seemed like an obvious business opportunity. The United States had tried to help reduce the debt burden of a number of developing countries through so-called Brady bonds, in which the U.S. government basically backstopped the debt of countries like Brazil and Argentina. Musk noticed an arbitrage play. “I calculated the backstop value, and it was something like fifty cents on the dollar, while the actual debt was trading at twenty-five cents,” Musk said. “This was like the biggest opportunity ever, and nobody seemed to realize it.” Musk tried to remain cool and calm as he rang Goldman Sachs, one of the main traders in this market, and probed around about what he had seen. He inquired as to how much Brazilian debt might be available at the 25-cents price. “The guy said, ‘How much do you want?’ and I came up with some ridiculous number like ten billion dollars,” Musk said. When the trader confirmed that was doable, Musk hung up the phone. “I was thinking that they had to be fucking crazy because you could double your money. Everything was backed by Uncle Sam. It was a no-brainer.” Musk had spent the summer earning about fourteen dollars an hour and getting chewed out for using the executive coffee machine, among other status infractions, and figured his moment to shine and make a big bonus had arrived. He sprinted up to his boss’s office and pitched the opportunity of a lifetime. “You can make billions of dollars for free,” he said. His boss told Musk to write up a report, which soon got passed up to the bank’s CEO, who promptly rejected the proposal, saying the bank had been burned on Brazilian and Argentinian debt before and didn’t want to mess with it again. “I tried to tell them that’s not the point,” Musk said. “The point is that it’s fucking backed by Uncle Sam. It doesn’t matter what the South Americans do. You cannot lose unless you think the U.S. Treasury is going to default. But they still didn’t do it, and I was stunned. Later in life, as I competed against the banks, I would think back to this moment, and it gave me confidence. All the bankers did was copy what everyone else did. If everyone else ran off a bloody cliff, they’d run right off a cliff with them. If there was a giant pile of gold sitting in the middle of the room and nobody was picking it up, they wouldn’t pick it up, either.” In

People are free. Well, they can't fly on their own . . . but pretty much whatever they can think up, they can make happen. When they're sleepy, they can sleep. They're free to start or quit whatever they're doing whenever they want. And the only reason they don't is because things like social norms, laws, traditions and sentiment get in the way. Running naked through the streets . . . conning old people . . . killing . . . everything’s possible if you ignore morality. That's why they insist on teaching you cooperation and ethics when you're young- But the world is set up to force people to fight, cheat and steal as a default. Trying to live with that contradiction is torture. But in so many places happiness and sorrow are traded like stocks on wall street. What will it take for everyone to be happy? Who knows? But if a kid could figure it out, war would've gone extinct long time ago. I'd hate to trust the entire thing to politicians. They're just old men who have to dance to public opinion. The world is the embodiment of human nature exposed . . . There's no way for everyone to be happy. Happiness is relative anyway . . . and people want it that way. Evil is relative too. In order to protect her, a mother can turn into a demon. And it gets held up as inspirational. People go to war to protect kin and country. It's the same thing. Even if you pretend to be good fundamentally everyone has some negative aspects. It's amazing that no one knows that. Why? People have become so adept at excuses and shifting the blame . . . that they never even consider the possibility that they're culpable for their own problems.

The assassination of President Kennedy killed not only a man but a complex of illusions. It demolished the myth that hate and violence can be confined in an airtight chamber to be employed against but a few. Suddenly the truth was revealed that hate is a contagion; that it grows and spreads as a disease; that no society is so healthy that it can automatically maintain its immunity. If a smallpox epidemic had been raging in the South, President Kennedy would have been urged to avoid the area. There was a plague afflicting the South, but its perils were not perceived. Negroes tragically know political assassination well. In the life of Negro civil-rights leaders, the whine of the bullet from ambush, the roar of the bomb have all too often broken the night's silence. They have replaced lynching as a political weapon. More than a decade ago, sudden death came to Mr. and Mrs. Harry T. Moore, N.A.A.C.P. leaders in Florida. The Reverend George Lee of Belzoni, Mississippi, was shot to death on the steps of a rural courthouse. The bombings multiplied. Nineteen sixty-three was a year of assassinations. Medgar Evers in Jackson, Mississippi; William Moore in Alabama; six Negro children in Birmingham—and who could doubt that these too were political assassinations? The unforgivable default of our society has been its failure to apprehend the assassins. It is a harsh judgment, but undeniably true, that the cause of the indifference was the identity of the victims. Nearly all were Negroes. And so the plague spread until it claimed the most eminent American, a warmly loved and respected president. The words of Jesus "Inasmuch as ye have done it unto one of the least of these my brethren, ye have done it unto me" were more than a figurative expression; they were a literal prophecy. We were all involved in the death of John Kennedy. We tolerated hate; we tolerated the sick stimulation of violence in all walks of life; and we tolerated the differential application of law, which said that a man’s life was sacred only if we agreed with his views. This may explain the cascading grief that flooded the country in late November. We mourned a man who had become the pride of the nation, but we grieved as well for ourselves because we knew we were sick.

Charles’s childhood coincided with America’s first great depression, the Panic of 1837, which lasted a Biblical seven years. A newspaper out of Albany, the Knickerbocker, reported in 1837 that “there never was a time like this,” with “rumor after rumor of riot, insurrection, and tumult.”26 Banks collapsed, and unemployment climbed to 25 percent. Factories along the eastern seaboard were shuttered, and soup kitchens opened in major cities. Two out of three New Yorkers were said to be without means of support. Eight states defaulted on loans. In his literary magazine, Horace Greeley made the first of his famous entreaties to pull up stakes: “Fly, scatter through the country, go to the Great West, anything rather than remain here.”27

yields rose sharply. Just as the Greek government was incapable of preventing a spike in borrowing costs, countries that fix their exchange rates sacrifice control of their interest rates. From an MMT perspective, “this explains the very high interest rates paid by governments with perceived default risk in fixed exchange rate regimes, in contrast to the ease a nation such as Japan has in keeping rates at 0 in a floating exchange rate regime, despite deficits that would undermine a fixed exchange rate regime.

Months beforehand I started focusing my Manhattanite efficiency on getting registered in Italy, Andrea leading me by the hand through the wilderness of Old World red tape. The first step was “getting my documents together,” an Italian ritual repeated before every encounter with officialdom. Sticking to a list kindly provided by the Italian Consulate, I collected my birth certificate, passport, high school diploma, college diploma, college transcript, medical school diploma, medical school transcript, certificates of internship and residency, National Board Examination certificates, American Board of Internal Medicine test results, and specialization diploma. Then I got them transfigured into Italian by the one person in New York authorized by the Italian Consulate to crown his translation with an imprimatur. We judiciously gave him a set of our own translations as crib notes, tailored by my husband to match the Rome medical school curriculum. I wrote a cover letter from Andrea’s dictation. It had to be in my own hand, on a folded sheet of double-sized pale yellow ruled Italian paper embossed with a State seal, and had to be addressed “To the Magnificent Rector of the University of Rome.” You have to live in Italy a while to appreciate the theatrical elegance of making every fiddler a Maestro and every teacher a Professoressa; even the most corrupt member of the Italian parliament is by definition Honorable, and every client of a parking lot is by default, for lack of any higher title, a Doctor (“Back up, Dotto’, turn the wheel hard to the left, Dotto’”). There came the proud day in June when I got to deposit the stack of documents in front of a smiling consular official in red nail polish and Armani. After expressing puzzlement that an American doctor would want to move to her country (“You medical people have it so good here”), she Xeroxed my certificates, transcripts, and diplomas, made squiggles on the back to certify the Xeroxes were “authentic copies,” gave me back the originals, and assured me that she’d get things processed zip zip in Italy so that by the time I left for Rome three months later I’d have my Italian license and be ready to get a job. Don’t call me, I’ll call you. When we were about to fly in September and I still hadn’t heard from her, I went to check. Found the Xeroxes piled up on Signora X’s desk right where I’d left them, and the Signora gone for a month’s vacation. Slightly put out, I snatched up the stack to hand-carry over (re-inventing a common expatriate method for avoiding challenges to the efficiency of the Italian mails), prepared to do battle with the system on its own territory.

In 2009, an American soldier named Bowe Bergdahl slipped through a gap in the concertina wire at his combat outpost in southern Afghanistan and walked off into the night. He was quickly captured by a Taliban patrol, and his absence triggered a massive search by the US military that put thousands of his fellow soldiers at risk. The level of betrayal felt by soldiers was so extreme that many called for Bergdahl to be tried for treason when he was repatriated five years later. Technically his crime was not treason, so the US military charged him with desertion of his post—a violation that still carries a maximum penalty of death. The collective outrage at Sergeant Bergdahl was based on very limited knowledge but provides a perfect example of the kind of tribal ethos that every group—or country—deploys in order to remain unified and committed to itself. If anything, though, the outrage in the United States may not be broad enough. Bergdahl put a huge number of people at risk and may have caused the deaths of up to six soldiers. But in purely objective terms, he caused his country far less harm than the financial collapse of 2008, when bankers gambled trillions of dollars of taxpayer money on blatantly fraudulent mortgages. These crimes were committed while hundreds of thousands of Americans were fighting and dying in wars overseas. Almost 9 million people lost their jobs during the financial crisis, 5 million families lost their homes, and the unemployment rate doubled to around 10 percent. For nearly a century, the national suicide rate has almost exactly mirrored the unemployment rate, and after the financial collapse, America’s suicide rate increased by nearly 5 percent. In an article published in 2012 in The Lancet, epidemiologists who study suicide estimated that the recession cost almost 5,000 additional American lives during the first two years—disproportionately among middle-aged white men. That is close to the nation’s losses in the Iraq and Afghan wars combined. If Sergeant Bergdahl betrayed his country—and that’s not a hard case to make—surely the bankers and traders who caused the financial collapse did as well. And yet they didn’t provoke nearly the kind of outcry that Bergdahl did. Not a single high-level CEO has even been charged in connection with the financial collapse, much less been convicted and sent to prison, and most of them went on to receive huge year-end bonuses. Joseph Cassano of AIG Financial Products—known as “Mr. Credit-Default Swap”—led a unit that required a $99 billion bailout while simultaneously distributing $1.5 billion in year-end bonuses to his employees—including $34 million to himself. Robert Rubin of Citibank received a $10 million bonus in 2008 while serving on the board of directors of a company that required $63 billion in federal funds to keep from failing. Lower down the pay scale, more than 5,000 Wall Street traders received bonuses of $1 million or more despite working for nine of the financial firms that received the most bailout money from the US goverment.

The Great War reduced western Europe to a shambles but proved to be a boon to American farmers. Desperate for basic agricultural products, war-ravaged countries turned to the US market, sending prices of cotton, corn, wheat, beef, and other commodities soaring. Between 1914 and 1918, the price of a bushel of corn rose from fifty-nine cents to $1.30, a bushel of wheat from $1.05 to $2.34, and hogs from $7.40 to $16.70 per hundred pounds.1 To meet the demand, farmers acquired more land, expanded their herds of livestock, and invested in new equipment, taking out loans on easy credit to bankroll their purchases. In the years following the armistice of 1918, however—as European nations recovered from the catastrophe—US farm exports plunged so dramatically that one scholar describes the market collapse as a “price toboggan.”2 By 1921, the price of “wheat, corn, beef and pork [had] all plummeted by nearly one-half.”3 Farmers, who had enjoyed unprecedented prosperity just a few years earlier, now faced financial ruin, defaulting on equipment loans, tax payments, and mortgages.

The big decline started in 1990 when the Soviet Union was breaking apart and Moscow dropped its “friendly rates” for exports to North Korea. Without subsidized fuel and other commodities, the economy creaked to a halt. There was no way for the government to keep the domestic fertilizer factories running, and no fuel for trucks to deliver imported fertilizer to farms. Crop yields dropped sharply. At the same time, Russia almost completely cut off food aid. China helped out for a few years, but it was also going through big changes and increasing its economic ties with capitalist countries—like South Korea and the United States—so it, too, cut off some of its subsidies and started demanding hard currency for exports. North Korea had already defaulted on its bank loans, so it couldn’t borrow a penny. By the time Kim Il Sung died in 1994, famine was already taking hold in the northern provinces. Government rations had been cut sharply, and sometimes they failed to arrive at all. Instead of changing its policies and reforming its programs, North Korea responded by ignoring the crisis.

Israel, of course, was not a transit country due to its geographical location, but due to its designation as the default destination for Eastern European Jews—not all of whom planned on staying there. In fact, some of them never made it to the Jewish state at all. The logistics of transporting migrants to Israel were more complicated than to Germany; hence, it was more likely that people “got lost” on the way. Organized Jewish migrants used routes that were determined by Jewish Agency travel arrangements. An important relay in this migration arrangement was the port of Naples, where the streams of Eastern European and North African migrants to Israel converged. Naples had replaced Marseilles as the transit station for Jews from the Maghreb by the early 1960s due to the high concentration of North African Arabs in southern France and the resulting fear of friction this caused among the Israeli authorities.

Most countries have gone bankrupt at least a couple of times.”36 Countries defaulting on their national debt since 1995 include Russia, Pakistan, Indonesia, Argentina, Paraguay, Grenada, Cameroon, Ecuador, and Greece.37 Argentina has defaulted twice in thirteen years. Ecuador and Venezuela have defaulted ten times in their history, and four other countries have failed to pay their debts nine times.38

But it’s more than an absence of spouses that complicates caregiving and companionship later in life. People are having fewer children, if they have children at all. This, in combination with marriage trends, has increased the number of older adults with no close family ties—a group of people whom sociologists call “elder orphans,” “solo agers,” or “kinless.” Researchers estimate that one in five older adults is an “elder orphan” or at risk of becoming one, a figure that is likely to grow in coming years. Like marriage, having children isn’t a surefire insurance policy for caregiving. Adult children might not live close to their parents, or their kids might not have the capacity to help. Daughters, historically the country’s default caregivers of aging parents, can’t be taken for granted as a source of uncompensated caregiving these days. Far more women are in the paid labor force and would jeopardize their economic security or their family’s if they quit their jobs to take care of their parents. (Nevertheless, on average, daughters spend far more time caring for their aging parents than sons do.) Because Americans are having kids later in life, it’s common for children with aging parents to be raising children of their own at the same time; these are members of the so-called sandwich generation. Unable to manage both forms of care, these adults may focus on their kids and outsource care for their parents.

Most countries have gone bankrupt at least a couple of times.”36 Countries defaulting on their national debt since 1995 include Russia, Pakistan, Indonesia, Argentina, Paraguay, Grenada, Cameroon, Ecuador, and Greece.

What leverage do bankers ultimately have over a defaulting country if not the prospect of new loans?

non-Western countries had, until quite recently, highly unreliable legal systems and differing accounting rules. If a foreign trading partner decided to default on its debts, there was little that an investor situated on the other side of the world could do. In the first era of globalization, the solution to this problem was brutally simple but effective: to impose European rule.

There has been much talk about the alleged exploitation of the debtor nations by the creditor nations. But if the concept of exploitation is to be applied to these relations, it is rather an exploitation of the investing by the receiving nations. These loans and investments were not intended as gifts. The loans were made upon solemn stipulation of payment of principal and interest. The investments were made in the expectation that property rights would be respected. With the exception of the bulk of the investments made in the United States, in some of the British dominions, and in some smaller countries, these expectations have been disappointed. Bonds have been defaulted or will be in the next few years. Direct investments have been confiscated or soon will be. The capital-exporting countries can do nothing but wipe off their balances.

It nevertheless remains true that, in most countries for which long-run data are available, stocks have out-performed bonds – by a factor of roughly five over the twentieth century.9 This can scarcely surprise us. Bonds, as we saw in Chapter 2, are no more than promises by governments to pay interest and ultimately repay principal over a specified period of time. Either through default or through currency depreciation, many governments have failed to honour those promises. By contrast, a share is a portion of the capital of a profit-making corporation. If the company succeeds in its undertakings, there will not only be dividends, but also a significant probability of capital appreciation. There are of course risks, too. The returns on stocks are less predictable and more volatile than the returns on bonds and bills. There is a significantly higher probability that the average corporation will go bankrupt and cease to exist than that the average sovereign state will disappear. In the event of a corporate bankruptcy, the holders of bonds and other forms of debt will be satisfied first; the equity holders may end up with nothing. For these reasons, economists see the superior returns on stocks as capturing an ‘equity risk premium’ – though clearly in some cases this has been a risk well worth taking.

Bringing an ‘emerging market’ under the aegis of the British Empire was the surest way to remove political risk from investors’ concerns.51 Even those outside the Empire risked a visit from a gunboat if they defaulted, as Venezuela discovered in 1902, when a joint naval expedition by Britain, Germany and Italy temporarily blockaded the country’s ports. The United States was especially energetic (and effective) in protecting bondholders’ interests in Central America and the Caribbean.52

The great concentration of wealth in the hands of the owners of chaebol has also had the consequence feared by the KMT in Taiwan: the entry into politics of a wealthy industrialist. This happened for the first time with the candidacy of Chung Ju Yung, founder of Hyundai, for president in the 1993 election. There is, of course, nothing wrong with a Ross Perot-style billionaire’s entering politics in a democracy, but the degree of concentrated wealth in the Korean business community has made other political actors on both the right and the left nervous. The result for Korea thus far has not been propitious; while losing the election to Kim Young Sam, the seventy-seven-year-old Chung was jailed in late 1993 on rather specious corruption charges—a warning to all would-be politicians among the business class that their participation in politics would not be welcome.74 Despite the apparent anomaly between its Chinese-style familistic culture and its large corporations, Korea continues to fit my overall hypothesis. That is, Korea, like China, is a familistic culture with a relatively low degree of trust outside kinship. In default of this cultural propensity, the Korean state has had to step in to create large organizations that would otherwise not be created by the private sector on its own. The large Korean chaebol may have been run more efficiently than the state-owned companies of France, Italy, and a number of countries in Latin America, but they were no less the product of subsidy, protection, regulation, and other acts of government intervention. While most countries would be quite happy to have had Korea’s growth record, it is not clear that they could achieve it using Korean methods.

In some countries, pumping has become the default method of expression, and hand expression has become an afterthought. It would be safer if it were the other way round.

What are the future prospects for a country that turns from the economic and political principles that made it the world’s economic giant, and towards the European socialist state philosophy?  Who would have ever thought that the world’s leading free enterprise, free market nation would: a.) nationalize its banks; b.) replace the CEO of the nation’s largest industrial corporation by demand of the White House; c.) force itself into a position of majority ownership of that corporation and default on bondholders; d.) force the CEO of the nation’s largest bank to buy a company that could destroy the bank, and then force the CEO to lie to shareholders about the transaction, at the demand of the Secretary of the Treasury and the Chairman of the Federal Reserve?

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And this should not surprise us. The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting to which, likely to the end of our days, we must invariably return.

Soros (2013) notes that the euro crisis has already transformed the EU from a free association of states enjoying equal rights to a more or less enduring relationship between debtors and creditors. The creditors risk losing a good deal of money if a member states leaves the union, while the debtors are forced to accept conditions which can only aggravate their economic depression, and place them in a subordinate position for an indefinite period of time. In this way the euro crisis threatens to destroy the EU itself. According to the American financier these are the consequences of the fatal flaw of the European monetary union: in creating the ECB as a fully independent central bank the member states indebted themselves in a currency which they cannot control. As a consequence, when the risk of a Greek default became concrete, the financial markets reacted by reducing the status of all heavily indebted members of the euro zone to that of developing countries with large debts in foreign currencies. In this way, these members of the euro zone were treated as if they alone were responsible for their present condition. The correct response to this situation, Soros concludes, would be the creation of Eurobonds and a banking union, together with the necessary structural reforms. However, Germany refuses to choose between the two alternatives: either accept the Eurobonds or leave the euro zone. On the other hand, a solution of the crisis would also require a level of centralization of the economic and fiscal policies of the member states that is, most likely, politically unfeasible. Thus the end of monetary union appears to be only a question of time, while the position of the major German parties – pro monetary union but against Eurobonds – is clearly contradictory.

euro denominated borrowing was akin to foreign currency debt in traditional sudden stop crises. The natural lender of last resort, the ECB, was explicitly forbidden from playing the role. This ruled out one of the classic ways out of avoiding government default – having the central bank print the money needed to service the debt. The predominance of bank financing was another amplifier of problems. European banks were thinly capitalised and extremely large relative to the countries’ GDP. They were so large that they had to be saved, but their size also created a ‘double drowning’ scenario. This is exactly what happened in Ireland. In what might be called a tragic double-drowning scenario, Ireland’s banking system went down first, and the government of Ireland went down trying to save it.

Australia’s default stance in its dealings with the world is not one of leadership. More often, it is derivative and responsive. It usually takes its lead from the United States when it can and deals with crises when it must. Or as the former director-general of the Office of National Assessments Allan Gyngell puts it: ‘How much has to do with leadership and how much is sitting around waiting for something to happen and looking at what the Americans are doing and saying, “we will have a bit of that, but not too much”?

Finally, policymakers had to weigh what might happen if Greece, after a default, also abandoned the euro and returned to its own currency. One reason to do so would be to regain monetary policy independence, which might help the Greek government respond to the economic crash that was likely to follow a default. But if Greece left the euro, fears that other countries might follow would no doubt increase. Even the possibility that the eurozone might break apart would inflict damage. For example, bank depositors in a country thought to be at risk of leaving the euro would worry that their euro-denominated deposits might be forcibly converted to the new, and presumably less valuable, national currency. To avoid that risk, depositors might withdraw their euros from their own country’s banks in favor of, say, German banks (which, in an era of cross-border branching, might simply mean walking a block down the street or clicking on a bank’s website). These withdrawals could quickly degenerate into a full-fledged run on the suspect country’s banks. For these reasons, finance ministers and especially central bank governors in Europe generally, if grudgingly, concluded that they would have to assist Greece. ECB president Jean-Claude Trichet, who had decried the Lehman failure, was particularly adamant on this point and sought to persuade other European policymakers.

Another contentious issue concerned how to treat countries that, even after rigorous austerity, were unable to pay their debts. Should they be bailed out by other eurozone members and the International Monetary Fund? Or should private lenders, many of them European banks, bear some of the losses as well? The situation was analogous to the question of whether to impose losses on the senior creditors of Washington Mutual during the crisis. We (Tim, especially) had opposed that, because we feared that it would fan the panic and increase contagion. For similar reasons, we opposed forcing private creditors to bear losses if a eurozone country defaulted. Jean-Claude Trichet strongly agreed with us, though he opposed other U.S. positions. (In particular, he did not see much scope for monetary or fiscal policy to help the eurozone economy, preferring to focus on budget balancing and structural reforms.) On the issue of country default, though, Jean-Claude’s worry, like ours, was that, once the genie was out of the bottle, lenders’ confidence in other vulnerable European borrowers would evaporate.

Human beings are contradictory, hypocritical, a mix of good and evil, selflessness and selfishness - and our countries cannot help reflecting that. Yes, the United States, as a superpower, has done many abhorrent things. It has also done many praiseworthy things. The first can also be said of the Soviet Union and China; neither merits the second. History and politics gave the United States responsibilities few would want. It accepted those responsibilities and the rest of us tagged along. And we in Canada were happy to tag along. We wanted to profit from their economy; we have. We felt free to reduce our military to inconsequence because they would protect us; they have. (In a military sense, do the Americans really need NORAD? Hardly.) We wanted to have the television and washing machines and dishwashers they have; we do. Yet we laughed at their simple-minded glitz, their ignorance of the world - all the while heading in droves for Las Vegas and Los Angeles. We wanted the American Dream - without the name and without the responsibilities; we have it, to a large extent - and it is this that allows us to caress our little sense of moral superiority. The number of Canadians who expressed sympathy for the victim while blaming him (and watching his movies and his TV sitcoms, listening to his music, eating his food and dreaming of Florida) attained, in a time of grave crisis, a level of self-satisfied hypocrisy that is usually found only in the NDP, those paragons of democratic values who have few good words for the Americans but much mindless applause for Castro. We're lucky in this country to have none of the international responsibilities the Americans do, because then we wouldn't be able to lord it morally over them - and then where would we be? Canadians have no problems anywhere in the world, we like to boast. What we don't realize is, it's not because we're likeable, it's because we're inoffensive. We're welcome by default.

Over the last few years, Greg Smith’s former company earned huge profits, first from the expansion of the American mortgage bubble and the European bubble of sovereign debt, and then again from the – almost simultaneous – bursting of these bubbles on either side of the Atlantic. Subsequently, Goldman Sachs proceeded to secure influence over some of the key political positions in the Italian, Greek and Spanish governments, in order to predate further on these countries after having driven them to the brink of disaster. The role of Goldman Sachs as one of the principal architects of the crisis in Greece was particularly remarkable. As was revealed in 2010, not only they had helped the Greek government to conceal the true state of the country’s finances, but at the same time they had also bet against Greece’s sovereign debt, hoping for its default. As a consequence, in a matter of weeks millions of Greek people saw their livelihoods utterly disintegrate, while the country sank into a state of widespread humanitarian emergency, as industries closed, hospitals ran out of medicine, and the suicide rate sky-rocketed.

They had just released the third edition of Walt Whitman’s Leaves of Grass, an illustrated, 450-page book more lavish than any they had undertaken before, and their coffers were empty. Thayer and Eldridge defaulted on all their contracts and hauled in their sidewalk shingle. Unfortunately, the debut of the Calamus poems, one of the most explicit gay works to be published in the United States for the next half century, had prevented the appearance of the country’s first self-authored female slave narrative.

Data sources All these components give you feedback and insight into how best to configure your campaigns, although the data sources are often spread around in different places and sometimes difficult to find and interpret. Campaign types Search & Partner Dynamic Search Display Network Remarketing & Dynamic Remarketing Google Shopping for eCommerce Google Merchant Center Data feeds Google Shopping Campaigns Device selection PC / Tablets Mobiles & Smartphones Location Targets & Exclusions Country Metro State City Custom and Radius Daily Budgets Manual CPC Enhanced CPC Flexible Bidding strategies Conversion Optimizer (CPA) Return on Ad Spend (ROAS) Conversion Tracking Setup and configuration Transaction-Specific Conversion Tracking Offline Conversion import Phone call tracking - website call conversions Conversion Rates Conversion Costs Conversion Values Ad Groups Default Bids Keyword Themes Ads Ad Messaging & Demographics Creative Text & Formatting Images* Display Ad Builder* Ad Preview and Diagnosis Account, Campaign and Ad Group Ad Extensions Sitelinks Locations Calls Reviews Apps Callouts Ad Rotation & Frequency Capping Rotate Optimise for Clicks Optimise for Conversions Keywords Bids Broad Modified Broad Phrase Exact Destination urls Keyword Diagnosis User Search Queries Keyword Opportunities Negative Keywords & Match Types Shared Library Shared Budgets* Automated Rules Flexible Bid Strategies Audiences & Exclusions* Campaign Negative Keywords Display Campaign Placement Exclusions* NEW! Business Data and Ad Customizers Advanced Delivery Methods Standard Accelerated Impression Share Lost IS (Budget) Lost IS (Rank) Search Funnels Assisted Impressions & Clicks Assisted Conversions Segmentation Analysis Device performance Network performance Top vs Other position performance Dimension Analysis Days & Times Shopping Geographic User Locations & Distance Search Terms Automatic Placements* Call Details (Call Extensions) Tools Change history Keyword Planner* Display Planner* Opportunities* Scheduling & Day Parting Automated Rules Competitor Ad Auction Insights Reporting* AdWords Campaign Experiments* Browser Languages* *indicates an item not covered in this version of the book

A number of European countries are going to be put in trusteeship, with severe austerity programs. Some will go bankrupt and be forced to return to their old national currency. Sooner or later, the United States will no longer be capable of continuing its policies, and will be forced to admit that its debt can never be paid off. The consequence may be a unilateral default, with the nationalization of banks and strategic industries, and the creation of a new dollar backed by some sort of benchmark (such as a precious metal); or it may be hyperinflation, with the euro and the dollar meeting their ends by no longer being accepted in payment.

The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting to which, likely to the end of our days, we must invariably return.

And so it was that politicians used to quibbling over a few million euros to be spent on pensioners, health or education gave their governments carte blanche to transfer hundreds of billions to bankers hitherto awash with liquidity. “Solidarity with bankers” helped Germany’s and France’s banks survive the collapse of their foolish derivative trades. However, another calamity beckoned: the remaining loans that bankers, like Franz, had granted to the deficit regions of the eurozone were sizeable enough to bankrupt those nations if stressed Irish, Spanish, Greek banks were to default. Before the ink of their own bailout agreements had dried, a second bank bailout was in progress: a bailout for the bankers of deficit countries whose governments could not afford to rescue them.

These companies reap huge profits, a few local elite business owners benefit from the improved infrastructure, and everyone else suffers because funds are diverted from health services, education, and other public sectors to pay interest on the loans. The debts are so large they can’t be repaid. The lower-income countries default on their loans. This process is sometimes referred to as debt-trap diplomacy.

In addition to the Catholic Church’s ban on contraception, a ban which had added force because of the religious cohesion of the ethnic neighborhood, one of the main things which fueled this demographic increase in Philadelphia was the rowhouse. It was cheap enough for a worker to own. It was more spacious than an apartment, and instead of paying rent and being at the mercy of landlords, a man could own his home free and clear in the time it took him to pay off his mortgage. Since it was located in the city near public transportation, the rowhouse did not require the expense of owning a car. Since it was surrounded on both sides by other houses, it was cheap to heat. As a result, it allowed the working-class Catholic family to have a large family, and over a period of time, it allowed him to benefit from the political power which followed demographic increase, which is precisely what was causing Blanshard and the Phillips crowd concern. The attack on the rowhouse which the Better Philadelphia Exhibition orchestrated meant an attack on all of the cultural attributes that went with the rowhouse, a building which symbolized the cultural independence of the ethnic neighborhood based on religious cohesion and the economic independence of immigrant workers who could own their own homes. The attack on the rowhouse in Philadelphia was a covert attack on the Catholics who lived in them, orchestrated by a ruling class that knew, as good Darwinians, that demography was destiny and that they, because of their all but universal adoption of contraception, were on the losing end of the demographic equation. Urban renewal, like the sexual revolution which followed it eighteen years later, was the WASP ruling class’s attempt to keep “the United States from becoming a Catholic country by default.

My father didn’t usually waste time worrying. It was the opposite. It was floating from one set of worries to the next that helped him mark the passage of time, that structured events and shaped expectations. Worrying was the default condition of his existence. A predicament as natural as breathing and sleeping.

Under the rules of the Western-run international economy, investors make loans to third world tyrannies, and since the loans carry considerable risk, make high profits. Suppose the borrower defaults. In a capitalist economy, the lenders would incur the loss. But existing capitalism really functions quite differently. If the borrowers cannot pay the debts, then the IMF steps in to guarantee that lenders and investors are protected. The debt is transferred to the poor population of the debtor country, who never borrowed the money in the first place and gained little if anything from it. The method is called “structural adjustment.” And taxpayers in the rich country, who also gained nothing from the loans, sustain the IMF through their taxes. These doctrines do not derive from economic theory; they merely reflect the distribution of decision-making power.

Republicans in the House would eventually threaten to default on paying America’s debts, potentially pitching the fragile U.S. economy into a calamitous free fall, in order to extort further tax and spending concessions favored by wealthy donors. All of this played out against a backdrop of growing economic inequality and stagnating social mobility. The United States, which idealized itself as a classless society in which everyone had the opportunity to get ahead, had in fact fallen behind many other rich nations in terms of intergenerational economic mobility, including such old-world, class-bound countries as France, Germany, and Spain.

Black-on-black crime” is jargon, violence to language, which vanishes the men who engineered the covenants, who fixed the loans, who planned the projects, who built the streets and sold red ink by the barrel. And this should not surprise us. The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting to which, likely to the end of our days, we must invariably return.

When it comes to antidepressants in particular, there’s one more rumple: the American attitude about happiness. In this country, happiness is another ideal that carries nearly the weight of a moral imperative; as Elliott observes, there is an unspoken expectation in America that people should feel and act happy most of the time. Travelers to the United States often remark that in America, more than other places, cheerfulness is viewed as a default state, and that there’s considerable pressure to present oneself as upbeat. There’s also a peculiarly American belief that authenticity and happiness stand in a causal relationship to each other—that really being oneself will lead to happiness every time. Elliott thinks that this belief evolved from a loose interpretation of Freud, who taught that unhappiness was caused by repressions of various kinds: by that logic, the least repressed, most fully realized self would be the most happy. Americans possess, says Elliott, a naive trust that achieving perfect personal authenticity, a feat summed up in the popular phrase “self-actualization,” will result in the deepest possible contentment. So: Americans are supposed to be authentic, and we’re supposed to be happy. When happiness comes easily, this is not a problem. But for people who aren’t feeling happy and are contemplating antidepressants, it can make for tough choices. Is it better to take antidepressants and be happy (but maybe inauthentic, if you believe that antidepressants can temper the self)? Or is it better to press on, authentic but not happy? Either way, you’ll be failing to fulfill the script that American lore has laid out for you: be who you are, and happiness will surely and naturally follow. There’s only one way out of this bind, and it’s to believe that antidepressants make you more, not less, authentic. As it happens, this is precisely the claim that Elliott finds people make about a wide variety of enhancement technologies: people use a technique to alter a certain thing about themselves, and then speak about the alteration as something that makes them into, or expresses, who they really were inside all along. (For example, recipients of sex-change operations often describe them as a way to bring the physical body in line with a deeper reality. I always felt like a woman, and now I am one.) In short, people who use personal enhancements often speak like Tess did when she told Peter Kramer that, off Prozac, “I am not myself.

These crises are really a form of domestic default that governments employ in countries where financial repression is a major form of taxation. Under financial repression, banks are vehicles that allow governments to squeeze more indirect tax revenue from citizens by monopolizing the entire savings and payments system, not simply currency. Governments force local residents to save in banks by giving them few, if any, other options. They then stuff debt into the banks via reserve requirements and other devices. This allows the government to finance a part of its debt at a very low interest rate; financial repression thus constitutes a form of taxation. Citizens put money into banks because there are few other safe places for their savings. Governments, in turn, pass regulations and restrictions to force the banks to relend the money to fund public debt. Of course, in cases in which the banks are run by the government, the central government simply directs the banks to make loans to it

In all countries ethnic diversity reduces trust. In Peruvian credit-sharing cooperatives, members default more often on loans when there is ethnic diversity among co-op members. Likewise, in Kenyan school districts, fundraising is easier in tribally homogenous areas. Dutch researchers found that immigrants to Holland were more likely to develop schizophrenia if they lived in mixed neighborhoods with Dutch people than if they lived in purely immigrant areas. Surinamese and Turks had twice the chance of getting schizophrenia if they had to deal with Dutch neighbors; for Moroccans, the likelihood quadrupled. Dora Costa of the Massachusetts Institute of Technology and Matthew Kahn of Tufts University analyzed 15 recent studies of the impact of diversity on social cohesion. They found that every study had “the same punch line: heterogeneity reduces civic engagement.” James Poterba of MIT has found that public spending on education falls as the percentage of elderly people without children rises. He notes, however, that the effect “is particularly large when the elderly residents and the school-age population are from different racial groups.” This unwillingness of taxpayers to fund public projects if the beneficiaries are from a different group is so consistent it has its own name—“the Florida effect”—from the fact that old, white Floridians are reluctant to pay taxes or vote for bond issues to support schools attended by blacks and Hispanics. Maine, Vermont, and West Virginia are the most racially homogeneous states, and spend the highest proportion of gross state product on public education. Most people believe charity begins with their own people. A study of begging in Moscow, for example, found that Russians are more likely to give money to fellow Russians than to Central Asians or others who do not look like them. Researchers in Australia have found that immigrants from countries racially and culturally similar to Australia—Britain, the United States, New Zealand, and South Africa—fit in and become involved in volunteer work at the same level as native-born Australians. Immigrants from non white countries volunteer at just over half that rate. At the same time, the more racially diverse the neighborhood in which immigrants live, the less likely native Australians themselves are to do volunteer work. Sydney has the most diversity of any Australian city—and also the lowest level of volunteerism. People want their efforts to benefit people like themselves. It has long been theorized that welfare programs are more generous in Europe because European countries have traditionally been more homogeneous than the United States, and that people are less resistant to paying for welfare if the beneficiaries are of the same race. Alberto Alesina and Edward Glaeser have used statistical regression techniques to conclude that about half the difference in welfare levels is explained by greater American diversity, and the other half by weaker leftist political parties. Americans are not stingy—they give more to charity than Europeans do—but they prefer to give to specific groups. Many Jews and blacks give largely or even exclusively to ethnic charities. There are no specifically white charities, but much church giving is essentially ethnic. Church congregations are usually homogeneous, which means that offerings for aid within the congregation stay within the ethnic group.

Some churches count as members everyone baptized within that tradition, so that “Christian” becomes a default status in official surveys and virtually means “none of the above.” “You’re not a Catholic? Not a Muslim? Not a Jew? Fine, I’ll put you down as a Lutheran”—or an Anglican, or some other group, depending on the country in question. This tactic accounts for the inflated numbers claimed by English Anglicans, German Evangelicals, or Italian Catholics. The Church of England claims the loyalty of 25 million baptized Anglicans, even though less than a million of those are ever seen within the precincts of a church.

in only one of these episodes (Swaziland, 1985) did the debt ratio decline primarily because the country “grew” out of its debts! Growth was also the principal factor explaining the decline in debt ratios in three of the fifteen default or restructuring cases: those of Morocco, Panama, and the Philippines. Overall, this exercise shows that countries typically do not grow out of their debt burden, providing yet another reason to be skeptical of overly sanguine standard sustainability calculations for debt-intolerant countries.

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