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Totalitarianism in power invariably replaces all first-rate talents, regardless of their sympathies, with those crackpots and fools whose lack of intelligence and creativity is still the best guarantee of their loyalty.

Why Dream? Life is a difficult assignment. We are fragile creatures, expected to function at high rates of speed, and asked to accomplish great and small things each day. These daily activities take enormous amounts of energy. Most things are out of our control. We are surrounded by danger, frustration, grief, and insanity as well as love, hope, ecstasy, and wonder. Being fully human is an exercise in humility, suffering, grace, and great humor. Things and people all around us die, get broken, or are lost. There is no safety or guarantees. The way to accomplish the assignment of truly living is to engage fully, richly, and deeply in the living of your dreams. We are made to dream and to live those dreams.

I've been accustomed to mysteries, holy and otherwise, since I was a child. Some of us care for orphans, amass fortunes, raise protests or Nielsen ratings; some of us take communion or whiskey or poison. Some of us take lithium and antidepressants, and most everyone believes these pills are fundamentally wrong, a crutch, a sign of moral weakness, the surrender of art and individuality. Bullshit. Such thinking guarantees tradgedy for the bipolar. Without medicine, 20 percent of us, one in five, will commit suicide. Six-gun Russian roulette gives better odds. Denouncing these medicines makes as much sense as denouncing the immorality of motor oil. Without them, sooner or later the bipolar brain will go bang. I know plenty of potheads who sermonize against the pharmaceutical companies; I know plenty of born-again yoga instructors, plenty of missionaries who tell me I'm wrong about lithium. They don't have a clue.

We’re always being made promises,’ she said. ‘You make them yourself and you listen to others giving theirs. Politicians are always going on about providing a better quality of life for people as they get older, and a health service in which nobody ever gets bedsores. Banks promise you high interest rates, some food promises to make you lose weight if you eat it, and body creams guarantee old age with fewer wrinkles. Life is quite simply a matter of cruising along in your own little boat through a constantly changing but never-ending stream of promises. And how many do we remember? We forget the ones we would like to remember, and we remember the ones we’d prefer to forget.

Then the Communists set up a front organization, the National Rifle Association, to encourage the wide usage of guns of all sorts, and to battle any attempt to control guns as “unconstitutional.” Thus, they guaranteed that the murder rate in Unistat would always be the highest in the world. This kept the citizens in perpetual anxiety about their safety both on the streets and in their homes. The citizens then tolerated the rapid growth of the Police State, which controlled almost everything, except the sale of guns, the chief cause of crime.

Americans make more trash than anyone else on the planet, throwing away about 7.1 pounds per person per day, 365 days a year. Across a lifetime that rate means, on average, we are each on track to generate 102 tons of trash. Each of our bodies may occupy only one cemetery plot when we’re done with this world, but a single person’s 102-ton trash legacy will require the equivalent of 1,100 graves. Much of that refuse will outlast any grave marker, pharaoh’s pyramid or modern skyscraper: One of the few relics of our civilization guaranteed to be recognizable twenty thousand years from now is the potato chip bag.

the worst kind of one-party state “invariably replaces all first-rate talents, regardless of their sympathies, with those crackpots and fools whose lack of intelligence and creativity is still the best guarantee of their loyalty.

Success depends on psychological safety. At Google, members of teams with high levels of psychological safety were less likely to leave their jobs, brought in more revenue, and were rated effective twice as often by executives. MIT researchers who studied team performance came to the same conclusion: simply grouping smart people together doesn’t guarantee a smart team. Online and off, the best teams discuss ideas frequently, do not let one person dominate the conversation, and are sensitive to one another’s feelings.

Laurie: Besides marrying for love is vastly over-rated. There will be no guarantees that love will last. But a million dollars lasts a long time if you invest it properly

These rules have made it possible for law enforcement agencies to boost dramatically their rates of drug arrests and convictions, even in communities where drug crime is stable or declining.33 But that is not all. These rules have also guaranteed racially discriminatory results. The reason is this: Drug-law enforcement is unlike most other types of law enforcement.

Why Dream? Life is a difficult assignment. We are fragile creatures, expected to function at high rates of speed, and asked to accomplish great and small things each day. These daily activities take enormous amounts of energy. Most things are out of our control. We are surrounded by danger, frustration, grief, and insanity as well as love, hope, ecstasy, and wonder. Being fully human is an exercise in humility, suffering, grace, and great humor. Things and people all around us die, get broken, or are lost. There is no safety or guarantees. The way to accomplish the assignment of truly living is to engage fully, richly, and deeply in the living of your dreams. We are made to dream and to live those dreams.

If the government controls, guarantees, channels, or directs investment, it is not capitalism. Pivotal to the investment process is interest rates. For entrepreneurs to control capital, interest rates must reflect its real cost rather than merely the cost of printing money. Otherwise the money printers will dominate investment.

the regional governments can't raise taxes. The source of revenue would simply leave for another region. In fact, the effect of decentralization without guaranteed funding and national or multinational standards is a competition between regions for the lowest possible tax rates. (III - From Corporatism to Democracy)

Arendt observed the attraction of authoritarianism to people who feel resentful or unsuccessful back in the 1940s, when she wrote that the worst kind of one-party state “invariably replaces all first-rate talents, regardless of their sympathies, with those crackpots and fools whose lack of intelligence and creativity is still the best guarantee of their loyalty.

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Calamity-peddling journalism also sets up perverse incentives for terrorists and rampage shooters, who can game the system and win instant notoriety.37 And a special place in Journalist Hell is reserved for the scribes who in 2021, during the rollout of Covid vaccines known to have a 95 percent efficacy rate, wrote stories on the vaccinated people who came down with the disease—by definition not news (since it was always certain there would be some) and guaranteed to scare thousands from this lifesaving treatment.

If I knew anything about being black in America it was that nothing was guaranteed, you couldn’t count on anything, and all that was certain for most of us was a black death. In my mind, a black death was a slow death, the accumulation of insults, injuries, neglect, second-rate health care, high blood pressure, and stress, no time for self-care, no time to sigh, and, in the end, the inevitable, the erasing of memory. I wanted to write against this, and so I was writing a history of the people I did not want to forget. And I loved it; nothing else mattered, because I was remembering, I was staving off death.

The three terms of Federalist rule had been full of dazzling accomplishments that Republicans, with their extreme apprehension of federal power, could never have achieved. Under the tutelage of Washington, Adams, and Hamilton, the Federalists had bequeathed to American history a sound federal government with a central bank, a funded debt, a high credit rating, a tax system, a customs service, a coast guard, a navy, and many other institutions that would guarantee the strength to preserve liberty. They activated critical constitutional doctrines that gave the American charter flexibility, forged the bonds of nationhood, and lent an energetic tone to the executive branch in foreign and domestic policy. Hamilton, in particular, bound the nation through his fiscal programs in a way that no Republican could have matched. He helped to establish the rule of law and the culture of capitalism at a time when a revolutionary utopianism and a flirtation with the French Revolution still prevailed among too many Jeffersonians. With their reverence for states’ rights, abhorrence of central authority, and cramped interpretation of the Constitution, Republicans would have found it difficult, if not impossible, to achieve these historic feats. Hamilton

The Mommy Mystique tells us that we are the luckiest women in the world -- the freest, with the most choices, the broadest horizons, the best luck, and the most wealth. It says we have the knowledge and know-how to make "informed decisions" that will guarantee the successful course of our children's lives. It tells us that if we choose badly our children will fall prey to countless dangers -- from insecure attachment to drugs to kidnapping to a third-rate college. And if this happens, if our children stray from the path toward happiness and success, we will have no one but ourselves to blame. Because to point fingers out at society, to look beyond ourselves, is to shirk "personal responsibility." To admit that we cannot do everything ourselves, that indeed we need help -- and help on a large, systematic scale -- is tantamount to admitting personal failure.

If I was mayor of New York, I'd implement a policy of public dismemberment for convicted rapists. it would be a penis guillotine, built on the Brooklyn Bridge. I originally thought the severed penises would be nailed along the bridge next to their owner's mugshots, but now I think they should just be thrown to the crowd to be torn apart by angry hands. I'd be willing to guarantee that within a year, the rate of violent sex crimes would drop by half. At least.

Before the 1900s, a high fertility rate provided no guarantee that a child would live long enough to support her parents. In a preindustrial, pre-demographic transition society with high fertility (say six children per couple) and high mortality (in which a child had only a one in three chance of outliving his father), the likelihood that a father would die without a living heir is at least one in six. In Britain between 1330 and 1729, 27 percent of all married men and 23 percent of all married women died without surviving children.

Mythic language is discourse, that is, it cannot be anything but systematic; one does not really make discourse at will, or statements in it, without first belonging—in some cases unconsciously, but at any rate involuntarily—to the ideology and the institutions that guarantee its existence. These latter are always the institutions of an advanced society dealing with a less advanced society, a strong culture encountering a weak one. The principal feature of mythic discourse is that it conceals its own origins as well as those of what it describes.

Forcing new loans upon the bankrupt on condition that they shrink their income is nothing short of cruel and unusual punishment. Greece was never bailed out. With their ‘rescue’ loan and their troika of bailiffs enthusiastically slashing incomes, the EU and IMF effectively condemned Greece to a modern version of the Dickensian debtors’ prison and then threw away the key. Debtors’ prisons were ultimately abandoned because, despite their cruelty, they neither deterred the accumulation of new bad debts nor helped creditors get their money back. For capitalism to advance in the nineteenth century, the absurd notion that all debts are sacred had to be ditched and replaced with the notion of limited liability. After all, if all debts are guaranteed, why should lenders lend responsibly? And why should some debts carry a higher interest rate than other debts, reflecting the higher risk of going bad? Bankruptcy and debt write-downs became for capitalism what hell had always been for Christian dogma – unpleasant yet essential – but curiously bankruptcy-denial was revived in the twenty-first century to deal with the Greek state’s insolvency. Why? Did the EU and the IMF not realize what they were doing? They knew exactly what they were doing. Despite their meticulous propaganda, in which they insisted that they were trying to save Greece, to grant the Greek people a second chance, to help reform Greece’s chronically crooked state and so on, the world’s most powerful institutions and governments were under no illusions. […] Banks restructure the debt of stressed corporations every day, not out of philanthropy but out of enlightened self-interest. But the problem was that, now that we had accepted the EU–IMF bailout, we were no longer dealing with banks but with politicians who had lied to their parliaments to convince them to relieve the banks of Greece’s debt and take it on themselves. A debt restructuring would require them to go back to their parliaments and confess their earlier sin, something they would never do voluntarily, fearful of the repercussions. The only alternative was to continue the pretence by giving the Greek government another wad of money with which to pretend to meet its debt repayments to the EU and the IMF: a second bailout.

And that the only way to truly guarantee that we didn’t have another catastrophic oil spill in the future was to stop drilling entirely; but that wasn’t going to happen because at the end of the day we Americans loved our cheap gas and big cars more than we cared about the environment, except when a complete disaster was staring us in the face; and in the absence of such a disaster, the media rarely covered efforts to shift America off fossil fuels or pass climate legislation, since actually educating the public on long-term energy policy would be boring and bad for ratings;

Although the American Revolution established the republican principle, it allowed slavery to continue for nearly a century and legal racial discrimination for nearly two centuries. The race question still has a disproportionate influence on the social question in the United States today. In a way, the French Revolution of 1789 was more ambitious. It abolished all legal privileges and sought to create a political and social order based entirely on equality of rights and opportunities. The Civil Code guaranteed absolute equality before the laws of property as well as freedom of contract (for men, at any rate).

Part of what kept him standing in the restive group of men awaiting authorization to enter the airport was a kind of paralysis that resulted from Sylvanshine’s reflecting on the logistics of getting to the Peoria 047 REC—the issue of whether the REC sent a van for transfers or whether Sylvanshine would have to take a cab from the little airport had not been conclusively resolved—and then how to arrive and check in and where to store his three bags while he checked in and filled out his arrival and Post-code payroll and withholding forms and orientational materials then somehow get directions and proceed to the apartment that Systems had rented for him at government rates and get there in time to find someplace to eat that was either in walking distance or would require getting another cab—except the telephone in the alleged apartment wasn’t connected yet and he considered the prospects of being able to hail a cab from outside an apartment complex were at best iffy, and if he told the original cab he’d taken to the apartment to wait for him, there would be difficulties because how exactly would he reassure the cabbie that he really was coming right back out after dropping his bags and doing a quick spot check of the apartment’s condition and suitability instead of it being a ruse designed to defraud the driver of his fare, Sylvanshine ducking out the back of the Angler’s Cove apartment complex or even conceivably barricading himself in the apartment and not responding to the driver’s knock, or his ring if the apartment had a doorbell, which his and Reynolds’s current apartment in Martinsburg most assuredly did not, or the driver’s queries/threats through the apartment door, a scam that resided in Claude Sylvanshine’s awareness only because a number of independent Philadelphia commercial carriage operators had proposed heavy Schedule C losses under the proviso ‘Losses Through Theft of Service’ and detailed this type of scam as prevalent on the poorly typed or sometimes even handwritten attachments required to explain unusual or specific C-deductions like this, whereas were Sylvanshine to pay the fare and the tip and perhaps even a certain amount in advance on account so as to help assure the driver of his honorable intentions re the second leg of the sojourn there was no tangible guarantee that the average taxi driver—a cynical and ethically marginal species, hustlers, as even their smudged returns’ very low tip-income-vs.-number-of-fares-in-an-average-shift ratios in Philly had indicated—wouldn’t simply speed away with Sylvanshine’s money, creating enormous hassles in terms of filling out the internal forms for getting a percentage of his travel per diem reimbursed and also leaving Sylvanshine alone, famished (he was unable to eat before travel), phoneless, devoid of Reynolds’s counsel and logistical savvy in the sterile new unfurnished apartment, his stomach roiling in on itself in such a way that it would be all Sylvanshine could do to unpack in any kind of half-organized fashion and get to sleep on the nylon travel pallet on the unfinished floor in the possible presence of exotic Midwest bugs, to say nothing of putting in the hour of CPA exam review he’d promised himself this morning when he’d overslept slightly and then encountered last-minute packing problems that had canceled out the firmly scheduled hour of morning CPA review before one of the unmarked Systems vans arrived to take him and his bags out through Harpers Ferry and Ball’s Bluff to the airport, to say even less about any kind of systematic organization and mastery of the voluminous Post, Duty, Personnel, and Systems Protocols materials he should be receiving promptly after check-in and forms processing at the Post, which any reasonable Personnel Director would expect a new examiner to have thoroughly internalized before reporting for the first actual day interacting with REC examiners, and which there was no way in any real world that Sylvanshine could expect

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

In the comprehension of familiar truths guaranteed by authority, the age is much less concerned with originality of interpretation than with the confirmation and corroboration of the truths themselves. It regards the rediscovery of what has already been established, the reforming of what has already been formed and the reinterpretation of truth as pointless and meaningless. The supreme values are beyond question and contained in eternally valid forms; the desire to change them, merely for the sake of changing them, would be pure presumption. The purpose of life is possession of the eternal values, not mental activity for its own sake. This is a calm, firmly established age, strong in faith, never losing its confidence in the validity of its own conception of truth and moral law, having no intellectual dissension and no conflicts of conscience, feeling no yearning for the new and no boredom with the old. At any rate, it does not lend any support to such ideas and feelings.

The mythical ‘butterfly effect’ does exist, but we don’t spend enough time butterfly hunting. Here are some recent butterfly effect discoveries, from my own experience: A website adds a single extra option to its checkout procedure – and increases sales by $300m per year. An airline changes the way in which flights are presented – and sells £8m more of premium seating per year. A software company makes a seemingly inconsequential change to call-centre procedure – and retains business worth several million pounds. A publisher adds four trivial words to a call-centre script – and doubles the rate of conversion to sales. A fast-food outlet increases sales of a product by putting the price . . . up. All these disproportionate successes were, to an economist, entirely illogical. All of them worked. And all of them, apart from the first, were produced by a division of my advertising agency, Ogilvy, which I founded to look for counter-intuitive solutions to problems. We discovered that problems almost always have a plethora of seemingly irrational solutions waiting to be discovered, but that nobody is looking for them; everyone is too preoccupied with logic to look anywhere else. We also found, rather annoyingly, that the success of this approach did not always guarantee repeat business; it is difficult for a company, or indeed a government, to request a budget for the pursuit of such magical solutions, because a business case has to look logical.

In theory, the fact that the rich countries own part of the capital of poor countries can have virtuous effects by promoting convergence. If the rich countries are so flush with savings and capital that there is little reason to build new housing or add new machinery (in which case economists say that the “marginal productivity of capital,” that is, the additional output due to adding one new unit of capital “at the margin,” is very low), it can be collectively efficient to invest some part of domestic savings in poorer countries abroad. Thus the wealthy countries—or at any rate the residents of wealthy countries with capital to spare—will obtain a better return on their investment by investing abroad, and the poor countries will increase their productivity and thus close the gap between them and the rich countries. According to classical economic theory, this mechanism, based on the free flow of capital and equalization of the marginal productivity of capital at the global level, should lead to convergence of rich and poor countries and an eventual reduction of inequalities through market forces and competition. This optimistic theory has two major defects, however. First, from a strictly logical point of view, the equalization mechanism does not guarantee global convergence of per capita income. At best it can give rise to convergence of per capita output, provided we assume perfect capital mobility and, even more important, total equality of skill levels and human capital across countries—no small assumption.

The chorus of criticism culminated in a May 27 White House press conference that had me fielding tough questions on the oil spill for about an hour. I methodically listed everything we'd done since the Deepwater had exploded, and I described the technical intricacies of the various strategies being employed to cap the well. I acknowledged problems with MMS, as well as my own excessive confidence in the ability of companies like BP to safeguard against risk. I announced the formation of a national commission to review the disaster and figure out how such accidents could be prevented in the future, and I reemphasized the need for a long-term response that would make America less reliant on dirty fossil fuels. Reading the transcript now, a decade later, I'm struck by how calm and cogent I sound. Maybe I'm surprised because the transcript doesn't register what I remember feeling at the time or come close to capturing what I really wanted to say before the assembled White House press corps: That MMS wasn't fully equipped to do its job, in large part because for the past thirty years a big chunk of American voters had bought into the Republican idea that government was the problem and that business always knew better, and had elected leaders who made it their mission to gut environmental regulations, starve agency budgets, denigrate civil servants, and allow industrial polluters do whatever the hell they wanted to do. That the government didn't have better technology than BP did to quickly plug the hole because it would be expensive to have such technology on hand, and we Americans didn't like paying higher taxes - especially when it was to prepare for problems that hadn't happened yet. That it was hard to take seriously any criticism from a character like Bobby Jindal, who'd done Big Oil's bidding throughout his career and would go on to support an oil industry lawsuit trying to get a federal court to lift our temporary drilling moratorium; and that if he and other Gulf-elected officials were truly concerned about the well-being of their constituents, they'd be urging their party to stop denying the effects of climate change, since it was precisely the people of the Gulf who were the most likely to lose homes or jobs as a result of rising global temperatures. And that the only way to truly guarantee that we didn't have another catastrophic oil spill in the future was to stop drilling entirely; but that wasn't going to happen because at the end of the day we Americans loved our cheap gas and big cars more than we cared about the environment, except when a complete disaster was staring us in the face; and in the absence of such a disaster, the media rarely covered efforts to shift America off fossil fuels or pass climate legislation, since actually educating the public on long-term energy policy would be boring and bad for ratings; and the one thing I could be certain of was that for all the outrage being expressed at the moment about wetlands and sea turtles and pelicans, what the majority of us were really interested in was having the problem go away, for me to clean up yet one more mess decades in the making with some quick and easy fix, so that we could all go back to our carbon-spewing, energy-wasting ways without having to feel guilty about it. I didn't say any of that. Instead I somberly took responsibility and said it was my job to "get this fixed." Afterward, I scolded my press team, suggesting that if they'd done better work telling the story of everything we were doing to clean up the spill, I wouldn't have had to tap-dance for an hour while getting the crap kicked out of me. My press folks looked wounded. Sitting alone in the Treaty Room later that night, I felt bad about what I had said, knowing I'd misdirected my anger and frustration. It was those damned plumes of oil that I really wanted to curse out.

And why are you so firmly, so triumphantly, convinced that only the normal and the positive--in other words, only what is conducive to welfare--is for the advantage of man? Is not reason in error as regards advantage? Does not man, perhaps, love something besides well-being? Perhaps he is just as fond of suffering? Perhaps suffering is just as great a benefit to him as well-being? Man is sometimes extraordinarily, passionately, in love with suffering, and that is a fact. There is no need to appeal to universal history to prove that; only ask yourself, if you are a man and have lived at all. As far as my personal opinion is concerned, to care only for well-being seems to me positively ill-bred. Whether it's good or bad, it is sometimes very pleasant, too, to smash things. I hold no brief for suffering nor for well-being either. I am standing for ... my caprice, and for its being guaranteed to me when necessary. Suffering would be out of place in vaudevilles, for instance; I know that. In the "Palace of Crystal" it is unthinkable; suffering means doubt, negation, and what would be the good of a "palace of crystal" if there could be any doubt about it? And yet I think man will never renounce real suffering, that is, destruction and chaos. Why, suffering is the sole origin of consciousness. Though I did lay it down at the beginning that consciousness is the greatest misfortune for man, yet I know man prizes it and would not give it up for any satisfaction. Consciousness, for instance, is infinitely superior to twice two makes four. Once you have mathematical certainty there is nothing left to do or to understand. There will be nothing left but to bottle up your five senses and plunge into contemplation. While if you stick to consciousness, even though the same result is attained, you can at least flog yourself at times, and that will, at any rate, liven you up. Reactionary as it is, corporal punishment is better than nothing.

Even at their height, the Scandinavian welfare states left the economy to the private sector—which was then taxed at very high rates to pay for social, cultural and other services. What Swedes, Finns, Danes and Norwegians offered themselves was not collective ownership but the guarantee of collective protection. With the exception of Finland, Scandinavians all had private pension schemes—something that would have seemed very odd to the English or even most Americans in those days. But they looked to the state for almost everything else, and freely accepted the heavy hand of moral intrusion that this entailed.

The epidemic of HIV and AIDS, the largest in Eastern Europe and Eurasia, is even more worrisome. Registered cases in 2012 numbered more than seven hundred thousand, up from fewer than half a million as recently as 2008, but no such figure can be trusted in a country that blamed the Pentagon for AIDS during the Cold War. Experts say the real rate is at least double the official number—and growing, thanks largely to the use of heroin, which is also rapidly spreading. Although AIDS is the third leading cause of premature death—compared to the twenty-third in the United States—Moscow no longer accepts funding from the United Nations UNAIDS program or other international organizations because it sees itself as a donor country, not a recipient of help. However, the government doesn’t finance programs that had been until recently supported by foreign agencies.10 Insufficient funding for known cases of AIDS virtually guarantees that patients receive generally inferior treatment, and poor people get by far the worst from the badly fraying social services and healthcare system. The United Nations places Russia seventy-first in the world in human development, after Albania and just above Macedonia. (Norway is first; the United States thirteenth.)

Marxism claims to be more than a science. It does more than make a historical prophecy. It claims to be the basis for practical political action. It criticizes existing society, and it asserts that it can lead the way to a better world. But according to Marx’s own theory, we cannot at will alter the economic reality by, for example, legal reforms. Politics can do no more than ‘shorten and lessen the birth-pangs’.23 This, I think, is an extremely poor political programme, and its poverty is a consequence of the third-rate place which it attributes to political power in the hierarchy of powers. For according to Marx, the real power lies in the evolution of machinery; next in importance is the system of economic class-relationships; and the least important influence is that of politics. A directly opposite view is implied in the position we have reached in our analysis. It considers political power as fundamental. Political power, from this point of view, can control economic power. This means an immense extension of the field of political activities. We can ask what we wish to achieve and how to achieve it. We can, for instance, develop a rational political programme for the protection of the economically weak. We can make laws to limit exploitation. We can limit the working day; but we can do much more. By law, we can insure the workers (or better still, all citizens) against disability, unemployment, and old age. In this way we can make impossible such forms of exploitation as are based upon the helpless economic position of a worker who must yield to anything in order not to starve. And when we are able by law to guarantee a livelihood to everybody willing to work, and there is no reason why we should not achieve that, then the protection of the freedom of the citizen from economic fear and economic intimidation will approach completeness. From this point of view, political power is the key to economic protection. Political power and its control is everything. Economic power must not be permitted to dominate political power; if necessary, it must be fought and brought under control by political power.

Corporate investors, who have poured billions into the business of mass incarceration, expect long-term returns. And they will get them. It is their lobbyists who write the draconian laws that demand absurdly long sentences, deny paroles, determine immigrant detention laws, and impose minimum-sentence and Three-Strikes laws, which mandate life sentences after three felony convictions. Corrections Corporation of America (CCA), the largest owner of for-profit prisons and immigration detention facilities in the country, earned $1.7 billion in revenues and collected $300 million in profits in 2013.50 CCA holds an average of 81,384 inmates in its facilities on any one day.51 Aramark Holdings Corp., a Philadelphia-based company that contracts through Aramark Correctional Services, provides food for six hundred correctional institutions across the United States.52 Goldman Sachs and other investors acquired it in 2007 for $8.3 billion.53 The three top for-profit prison corporations spent an estimated $45 million over a recent ten-year period for lobbying to keep the prison business flush.54 The resource center In the Public Interest documented in its report “Criminal: How Lockup Quotas and ‘Low-Crime Taxes’ Guarantee Profits for Private Prison Corporations” that private prison companies often sign state contracts that guarantee prison occupancy rates of 90 percent.55 If states fail to meet the quota they have to pay the corporations for the empty beds. CCA in 2011 gave $710,300 in political contributions to candidates for federal or state office, political parties, and so-called 527 groups (PACs and super PACs), the American Civil Liberties Union reported.56 The corporation also spent $1.07 million lobbying federal officials plus undisclosed sums to lobby state officials.57 The GEO Group, one of the nation’s largest for-profit prison management companies, donated $250,000 to Donald Trump in 2017.58 The United States, from 1970 to 2005, increased its prison population by about 700 percent, the ACLU reported.59 Private prisons account for nearly all newly built prisons.60 And nearly half of all immigrants detained by the federal government are shipped to for-profit prisons, according to Detention Watch Network.61

The American dream is kind of stupid, anyway. Slave ninety percent of your life so that you can spend the last ten percent of it doing nothing? And there's no guarantee you even make it far enough to enjoy the fruits of your labor. Look at the state of the world. At this rate it's all going to implode any second, anyway, and you could...die unexpectedly. So you should do what makes you happy.

The lender knows they’ll get paid back no matter what happens to the student borrower, barring the political risk of government default or a refusal to honor the debts owed to the banks and other buyers of student loan backed bonds. Regardless of whether the borrower finishes school, drops out, fails out, gets a job or not, the tax payer will be on the hook at the full 5-7% interest rate paid on these student loan backed bonds. Why? Because the government guaranteed the loan and the government has no money. The government guarantee is a guarantee that tax payers will be on the hook for any defaults.

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Only three years after American soldiers seized the Mexican province of California, the Swamp Land Act of 1850 passed Congress, granting new states the right to sell flood-prone land to individuals as long as the water could be drained from it. The legislation sparked the nationwide annihilation of wetlands from the Florida Everglades to the San Francisco tidelands. The Swamp Land Act was a classic form of the get-rich-quick scheme that defined the colonial project: steal indigenous lands, auction them off to the highest bidder, and then enforce property taxes, guaranteeing a long-term source of funds. It would transfer the promise of future financial security away from the country’s first inhabitants. In just two years’ time, nearly 790,000 acres of California’s wetlands were shifted into the hands of fewer than two hundred private owners, who, having paid the bargain rate of $ 1.25 per acre with no money down, proceeded to dam, dike, drain, and fill the largest estuary on the Pacific coast.

Experience conclusively shows that index-fund buyers are likely to obtain results exceeding those of the typical fund manager, whose large advisory fees and substantial portfolio turnover tend to reduce investment yields. Many people will find the guarantee of playing the stock-market game at par every round a very attractive one. The index fund is a sensible, serviceable method for obtaining the market’s rate of return with absolutely no effort and minimal expense.

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While marriage rates for middle-class white women soared through the 1940s and 1950s, for black women, mid-twentieth century conditions were very different. Since emancipation, black women had married earlier and more often than their white counterparts. In the years directly after World War II, thanks to the return of soldiers, black marriage rates briefly increased further.66 However, as white women kept marrying in bigger numbers and at younger ages throughout the 1950s, black marriage rates began to decrease, and the age of first marriage to climb.67 By 1970, there had been a sharp reversal: Black women were not marrying nearly as often or as early as their white counterparts. It was nothing as benign as coincidence. While one of the bedrocks of the expansion of the middle class was the aggressive reassignment of white women to domestic roles within the idealized nuclear family, another was the exclusion of African-Americans from the opportunities and communities that permitted those nuclear families to flourish. Put more plainly, the economic benefits extended to the white middle class, both during the New Deal and in the post-World War II years, did not extend to African-Americans. Social Security, created in 1935, did not apply to either domestic laborers or agricultural workers, who tended to be African-Americans, or Asian or Mexican immigrants. Discriminatory hiring practices, the low percentages of black workers in the country’s newly strengthened labor unions, and the persistent (if slightly narrowed68) racial wage gap, along with questionable practices by the Veterans Administration, and the reality that many colleges barred the admission of black students, also meant that returning black servicemen had a far harder time taking advantage of the GI Bill’s promise of college education.69 Then there was housing. The suburbs that bloomed around American cities after the war, images of which are still summoned as symbols of midcentury familial prosperity, were built for white families. In William Levitt’s four enormous “Levittowns,” suburban developments which, thanks to government guarantees from the VA and the Federal Housing Association, provided low-cost housing to qualified veterans, there was not one black resident.70 Between 1934 and 1962, the government subsidized $120 billion in new housing; 98 percent of it for white families.

Stewart Emery reports a startling experiment done with amoebas in California. In his book Actualizations, he reveals how two tanks of amoebas were set up in order to study the conditions most conducive to growing living organisms. In one tank, the amoebas were given ultimate comfort. The temperature, humidity, water levels, and other conditions were constantly adjusted for ultimate ease in living and proliferation. In the other tank, the amoebas were subjected to rude shocks. They were given rapidly whipsawing changes in fluid level, temperature levels, protein, and every other condition they could think of. To the total amazement of the researchers, the amoebas in the more difficult conditions grew faster and stronger than those in the comfort zone. They concluded that having things too set and too perfect can cause living things to decay and die, whereas adversity and challenge lead to strength and the building of the life force. This might also explain why suicide rates in America have always gone down during times of war. And why in Denmark, where a very comfortable government-run lifestyle is guaranteed to everyone, the suicide rate is the highest in the world. There is not much difference between death and the comfort zone. Crossing the line is easy. The only difference between a rut and a grave is a few feet.

Debtors’ prisons were ultimately abandoned because, despite their cruelty, they neither deterred the accumulation of new bad debts nor helped creditors get their money back. For capitalism to advance in the nineteenth century, the absurd notion that all debts are sacred had to be ditched and replaced with the notion of limited liability. After all, if all debts are guaranteed, why should lenders lend responsibly? And why should some debts carry a higher interest rate than other debts, reflecting the higher risk of going bad? Bankruptcy and debt write-downs became for capitalism what hell had always been for Christian dogma – unpleasant yet essential – but curiously bankruptcy-denial was revived in the twenty-first century to deal with the Greek state’s insolvency.

Green Card Immigration and Nationalization by Green Card Organization One of the most highly sought-after visa programs ran anywhere in the world is the United State Green Card Lottery program, and for most people around the world, it is a symbol of their dreams come through - one day, to move to America. For this reason, the United State Green Card program is always filled with millions of applicants fighting for a Green Card. However, out of all these people, only about 50,000 people to make the cut yearly. Migration of people from one country to another is mainly for some reasons which range from economic motivations to reuniting with loved ones living abroad. Often in most scenario, for an immigrant to be a citizen of the new country, it is required for such to renounce their homeland and permanently leave their home country. Under the United States legal system, naturalization is the process through which an immigrant acquires U.S. citizenship. This is a major requirement for someone who was not born a citizen of the U.S. and or did not acquire citizenship shortly after birth but wishes to acquire citizenship of the united states. A person who becomes a U.S. citizen through naturalization enjoys all the freedoms and protections of citizenship just like every other citizens of the States, such as the right to vote and be voted for, to hold political offices and register, the right to hold and use a U.S. passport, and the right to serve as a jury in a court of law among other numerous benefits. Year in, year out, people apply from different nations of the world for the Green Card program. However, many people are disqualified from the DV lottery program, because they unsuccessfully submit their applications in a manner that does not comply with the United States governments requirements. It should be noted that The United States of America stands with a core principle of diversity and of giving every different person irrespective of background, race or color the same chances at success and equal opportunities. In order to forestall the rate at which intending immigrants were denied the Green Card, The Green Card Organization was established for the sole aim of providing help for those who desire to immigrate and provide them the best shot at success, and throughout the last 8 years of the existence of the Green Card Organization, the organization have helped countless number of people make their dream come through (their dream of being a part of our incredible country) GOD BLESS AMERICA! It is important to note that a small amount of mistake ranging from inconsistent information supplied or falsified identity in the application forms a major cause for automatic disqualification, therefore, it is crucial and important to make sure that the Green Card application is submitted correctly and timely. A notable remark that ought to be nurtured in the mind of every applicant is that the United States do not take a No for any mistake on your application. Therefore, the Green Card Organization is here to help simplify the processes involved for you and guarantee that your application will be submitted correctly and guarantee you 100% participation. A task that since the inception of the organization, has been their priority and has achieved her success in it at its apex.

Chasing tax cheats using normal procedures was not an option. It would take decades just to identify anything like the majority of them and centuries to prosecute them successfully; the more we caught, the more clogged up the judicial system would become. We needed a different approach. Once Danis was on board a couple of days later, together we thought of one: we would extract historical and real-time data from the banks on all transfers taking place within Greece as well as in and out of the country and commission software to compare the money flows associated with each tax file number with the tax returns of that same file number. The algorithm would be designed to flag up any instance where declared income seemed to be substantially lower than actual income. Having identified the most likely offenders in this way, we would make them an offer they could not refuse. The plan was to convene a press conference at which I would make it clear that anyone caught by the new system would be subject to 45 per cent tax, large penalties on 100 per cent of their undeclared income and criminal prosecution. But as our government sought to establish a new relationship of trust between state and citizenry, there would be an opportunity to make amends anonymously and at minimum cost. I would announce that for the next fortnight a new portal would be open on the ministry’s website on which anyone could register any previously undeclared income for the period 2000–14. Only 15 per cent of this sum would be required in tax arrears, payable via web banking or debit card. In return for payment, the taxpayer would receive an electronic receipt guaranteeing immunity from prosecution for previous non-disclosure.17 Alongside this I resolved to propose a simple deal to the finance minister of Switzerland, where so many of Greece’s tax cheats kept their untaxed money.18 In a rare example of the raw power of the European Union being used as a force for good, Switzerland had recently been forced to disclose all banking information pertaining to EU citizens by 2017. Naturally, the Swiss feared that large EU-domiciled depositors who did not want their bank balances to be reported to their country’s tax authorities might shift their money before the revelation deadline to some other jurisdiction, such as the Cayman Islands, Singapore or Panama. My proposals were thus very much in the Swiss finance minister’s interests: a 15 per cent tax rate was a relatively small price to pay for legalizing a stash and allowing it to remain in safe, conveniently located Switzerland. I would pass a law through Greece’s parliament that would allow for the taxation of money in Swiss bank accounts at this exceptionally low rate, and in return the Swiss finance minister would require all his country’s banks to send their Greek customers a friendly letter informing them that, unless they produced the electronic receipt and immunity certificate provided by my ministry’s web page, their bank account would be closed within weeks. To my great surprise and delight, my Swiss counterpart agreed to the proposal.19

In the midst of World War II, Quincy Wright, a leader in the quantitative study of war, noted that people view war from contrasting perspectives: “To some it is a plague to be eliminated; to others, a crime which ought to be punished; to still others, it is an anachronism which no longer serves any purpose. On the other hand, there are some who take a more receptive attitude toward war, and regard it as an adventure which may be interesting, an instrument which may be legitimate and appropriate, or a condition of existence for which one must be prepared” Despite the millions of people who died in that most deadly war, and despite widespread avowals for peace, war remains as a mechanism of conflict resolution. Given the prevalence of war, the importance of war, and the enormous costs it entails, one would assume that substantial efforts would have been made to comprehensively study war. However, the systematic study of war is a relatively recent phenomenon. Generally, wars have been studied as historically unique events, which are generally utilized only as analogies or examples of failed or successful policies. There has been resistance to conceptualizing wars as events that can be studied in the aggregate in ways that might reveal patterns in war or its causes. For instance, in the United States there is no governmental department of peace with funding to scientifically study ways to prevent war, unlike the millions of dollars that the government allocates to the scientific study of disease prevention. This reluctance has even been common within the peace community, where it is more common to deplore war than to systematically figure out what to do to prevent it. Consequently, many government officials and citizens have supported decisions to go to war without having done their due diligence in studying war, without fully understanding its causes and consequences. The COW Project has produced a number of interesting observations about wars. For instance, an important early finding concerned the process of starting wars. A country’s goal in going to war is usually to win. Conventional wisdom was that the probability of success could be increased by striking first. However, a study found that the rate of victory for initiators of inter-state wars (or wars between two countries) was declining: “Until 1910 about 80 percent of all interstate wars were won by the states that had initiated them. . . . In the wars from 1911 through 1965, however, only about 40 percent of the war initiators won.” A recent update of this analysis found that “pre-1900, war initiators won 73% of wars. Since 1945 the win rate is 33%.”. In civil war the probability of success for the initiators is even lower. Most rebel groups, which are generally the initiators in these wars, lose. The government wins 57 percent of the civil wars that last less than a year and 78 percent of the civil wars lasting one to five years. So, it would seem that those initiating civil and inter-state wars were not able to consistently anticipate victory. Instead, the decision to go to war frequently appears less than rational. Leaders have brought on great carnage with no guarantee of success, frequently with no clear goals, and often with no real appreciation of the war’s ultimate costs. This conclusion is not new. Studying the outbreak of the first carefully documented war, which occurred some 2,500 years ago in Greece, historian Donald Kagan concluded: “The Peloponnesian War was not caused by impersonal forces, unless anger, fear, undue optimism, stubbornness, jealousy, bad judgment and lack of foresight are impersonal forces. It was caused by men who made bad decisions in difficult circumstances.” Of course, wars may also serve leaders’ individual goals, such as gaining or retaining power. Nonetheless, the very government officials who start a war are sometimes not even sure how or why a war started.

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One recurrent question relates to the conditions required to make governments implement an employment guarantee programme? How high would the unemployment rate have to be? How high would poverty have to be? And the answer in Argentina: until the protests were unbearable! When this happened, policymakers worked with real urgency to solve the problem.

USING YOUR NEST EGG TO DELAY CLAIMING If you’re fortunate enough to have a nest egg and you want to retire, you can consider withdrawing more savings up front as a way to hold off starting your Social Security benefit. But does the strategy make sense? It well may, and there are some important things to keep in mind. Social Security benefits go up about 7 percent for each year they are not claimed between age 62 and your full retirement age. Wait longer and the reward grows even more: Benefits increase 8 percent annually for each year they are not claimed between full retirement age and 70. Are your financial resources adequate to support your lifestyle without Social Security, so you can delay claiming and lock in the income gains I just described? The issue can get complicated, and those interested may want to talk it over with a financial advisor. Among the considerations are the following: The tax bite: A portion of your Social Security benefit may be subject to income tax (though at least 15 percent is tax free for everyone). Withdrawals from (non-Roth) Individual Retirement Accounts will surely have tax implications. But some research has shown that withdrawing more up front may reduce the tax bite later. Check your situation with an expert. Family income: Is your spouse eligible for Social Security based on his or her work record? This increases your options. Just know that your total income may affect whether your Social Security benefits are subject to income tax, how much, and whether it makes sense to delay claiming. (See Chapter 13 for a discussion of income tax rules and Social Security, including provisional income.) Your investments: Consider reasonable rates of return, including your appetite for risk, in weighing the pros and cons of delaying a claim for Social Security. It’s extremely difficult to beat Social Security’s guaranteed returns. Finally, a note of caution (and common sense): If your nest egg is modest, the strategy of withdrawing savings to delay Social Security may be unwise, because it’s important to have a cushion. Be realistic when calculating how much of a cushion you need.

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Understanding consumer preferences, market trends, and business opportunities all depend on market research. However, a nuanced approach is required when conducting market research survey in Myanmar. Participation in surveys and the quality of the data can be significantly influenced by cultural norms, beliefs, and practices. The challenges and opportunities of conducting surveys in this one-of-a-kind cultural landscape are brought to light in this article, which examines the intricate connection between culture and market research in Myanmar. Researchers can gain valuable insights for informed decision-making and successful market strategies by comprehending and adapting to Myanmar's cultural nuances. Introduction to market research survey in Myanmar is a country with a lot of culture and tradition that makes it a special place to conduct market research. Understanding the cultural nuances that influence survey participation is essential for businesses trying to comprehend consumer preferences and behaviors in this diverse market. An Overview of Myanmar's Market Research Landscape Market research is rapidly evolving in Myanmar in tandem with the country's economic expansion. In order to gain useful insights from surveys, it is necessary to have a comprehensive comprehension of the cultural dynamics of a population with a wide range of languages and ethnic groups. Understanding How Culture Affects Survey Participation Culture has a big impact on how people respond to market research surveys. Survey response rates can be influenced by interpersonal dynamics, social norms, and traditional beliefs in Myanmar. Cultural Factors That Affect Survey Response Rates People's responses to surveys can be influenced by factors like respect for authority, communal decision-making, and communication styles. The key to maximizing survey participation is recognizing and adapting to these cultural differences. The willingness of respondents to participate in surveys can be influenced by traditional beliefs and practices like face-saving behaviors, hierarchical structures, and superstitions. Researchers can create survey environments that are conducive to honest and valuable feedback by recognizing and respecting these traditional beliefs. Tailoring Survey Designs to Match Cultural Preferences in Myanmar To guarantee the success of market research surveys in Myanmar, survey designs must be adapted to match cultural norms and preferences. In addition to increasing respondent engagement, this strategy encourages inclusivity and a respect for local customs. Adjusting Poll Arrangement for Social Awareness From the language utilized in study inquiries to the visual plan of overview materials, social responsiveness ought to be a core value in forming review surveys. Researchers can increase respondent trust and openness by avoiding potential taboos and including references that are culturally relevant. Respecting local customs, such as greeting rituals, gift-giving practices, and preferred modes of communication, can increase respondents' willingness to participate in surveys by incorporating them into the design of the survey. Researchers can create a more engaging and culturally appropriate research experience by incorporating these elements into survey design. Overcoming Language Barriers in Market Research Surveys Myanmar's language diversity makes conducting market research surveys a significant challenge. Language barriers must be overcome and multilingual survey administration must be promoted in order to ensure effective communication and data collection. Challenges of Myanmar's Language Diversity With over 100 languages spoken there, language barriers can make it hard to take surveys and understand them. Utilizing survey materials that are suitable for a particular language and, if necessary, the services of an interpreter, researchers must overcome these obstacles. The use of bilingual survey

Gold Buyer in Chennai: Santhi Jewellery Chennai is a city where gold holds a special place because of its extensive cultural heritage. Gold has been used as a symbol of wealth and prestige in South Indian culture for centuries. Santhi Jewellery is the most popular place to sell gold in Chennai because of its dedication to trust, openness, and excellent service among the many gold buyers there. Why Exchange Gold? The decision to sell gold can be made for a variety of reasons, including the need to upgrade outdated designs, unlock financial liquidity in the event of an emergency, or simply to make a strategic financial decision. In any case, if you want to get the most money for your precious metal, you need to find a reputable gold buyer. Santhi Gems - A Confided in Gold Buyer in Chennai Santhi Gems has procured a standing as quite possibly of the most confided in gold purchaser in Chennai. Santhi Jewellery, which is located in the center of the city, takes pride in providing transparent and sincere evaluations for your gold assets, ensuring that you receive the best price based on market rates at the present time. Why Santhi Jewelers? Fair Market Value: Santhi Jewellery is known for providing honest and accurate gold appraisals. They use cutting-edge technology to evaluate the purity and weight of your gold, ensuring that you are compensated fairly based on current market prices. The process is open and transparent. Experience and knowledge: Santhi Jewellery has a deep understanding of gold's value and market trends thanks to years of experience in the gold industry. Whether your gold is in the form of old jewelry, coins, or bullion, their team of experts will make sure you get the best price for it. A focus on the customer: Customer satisfaction is a top priority at Santhi Jewellery. They make selling easy and comfortable for you, and they make sure that all of your questions are answered. Whether you are selling a little piece of gems or a lot of gold, each exchange is dealt with absolute attention to detail and impressive skill. Payment in a flash: The guarantee of immediate payments is one of the biggest advantages of selling gold at Santhi Jewellery. Payment is processed immediately after your gold has been evaluated and you agree to the price. Because of this, it is a convenient choice for people who require quick access to funds. No extra costs: At Santhi Jewellery, openness is important. Santhi Jewellery guarantees a transparent transaction, in contrast to some gold buyers who may deduct concealed fees or charges. The whole thing is easy, so there won't be any surprises. You'll know exactly how much you'll get. Convenient Location Santhi Jewellery is conveniently located in the center of Chennai, making it convenient for people looking to sell gold in the city. Their courteous staff is always available to assist you with any inquiries, and their modern and secure premises guarantee a safe environment for your transaction. Conclusion Santhi Jewellery is a name that stands out when looking for a dependable Gold Buyer in Chennai because of its professionalism, open process, and dedication to customer satisfaction. Santhi Jewellery guarantees that you will receive the highest possible value for your gold, without any hassle, whether you are selling old gold jewelry or looking for a quick financial solution. Visit them right now for a hassle-free and dependable gold buying experience.

At least 1000 searches per month for your keyword on Google: (3 Points): If you are not getting at least 1000 searches per month on Google (you can check using the Google Adwords Keyword Tool here), you need to find a different keyword that your buyers will use, not you, or simply choose another niche if there is not enough interest. Less than 50 backlinks to the top 5 pages as an average: (2 points) This is because it is fine to have one web page over you, but you don’t want to be below the top three, or you’re basically invisible to anyone searching for the term (just look at this graph of the click through rates [percentage of searchers who click] based on position in search results.) Just the falloff from number one to number two goes from 37% down to 12.5%, and anything below the top three is basically irrelevant. Let’s be honest, how many times have you clicked to the second page of Google or beyond? It’s less than 1% of searches, and that’s why it’s so important to have your site on the first page (and on the top three if you want to make serious money!). No more than half of the webpages on the search results page (first one) with over PR3: This is important because it is very difficult to beat PR4 or higher pages on Google (especially when you’re a new site that is almost guaranteed to be

And all you have to do is stay alive and those Social Security payments will keep coming each and every month—payments guaranteed by the United States government and protected against inflation. That’s because every January, you get, by law, annual benefit raises that equal the prior year’s rate of inflation.1

At the very least, a mortgage had to be pooled with other mortgages of other homeowners. Traders and investors would trust statistics and buy into a pool of several thousand mortgage loans made by a Savings and Loan, of which, by the laws of probability, only a small fraction should default. Pieces of paper could be issued that entitled the bearer to a pro-rata share of the cash flows from the pool, a guaranteed slice of a fixed pie. There could be millions of pools, each of which held mortgages with particular characteristics, each pool in itself homogeneous. It would hold, for example, home mortgages of less than one hundred and ten thousand dollars paying an interest rate of 12 per cent. The holder of the piece of paper from the pool would earn 12 per cent a year on his money plus his share of the repayments of principal from the homeowners. Thus standardised, the pieces of paper could be sold to an American pension fund, to a Tokyo trust company, to a Swiss bank, to a tax-evading Greek shipping tycoon living in a yacht in the harbour of Monte Carlo, to anyone with money to invest. Thus standardised, the pieces of paper could be traded. All the trader would see was the bond. All the trader wanted to see was the bond. A bond he could whip and drive. A line which would never be crossed could be drawn down the centre of the market. On one side would be the homeowner, on the other, investors and traders. The two groups would never meet; this is curious in view of how personal it seems to lend a fellow man the money to buy his home. The homeowner would only see his local Savings and Loan manager from whom the money came, and to whom it was, over time, returned. Investors and traders would see paper. Bob

The individual and the small businessman find it increasingly difficult to borrow money at reasonable rates, because the banks can make more money on loans to the corporate giants and to foreign governments. Also, the bigger loans are safer for the banks, because the government will make them good even if they default. There are no such guarantees for the small loans. The public will not swallow the line that bailing out the little guy is necessary to save the system. The dollar amounts are too small. Only when the figures become mind-boggling does the ploy become plausible.

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You only have to travel to Europe to see the difference that an entitlement culture makes. While the United States is a vibrant, creative, and exciting place, Europe today is largely stagnant. Workers there have little incentive to move ahead, because the rate of taxation is punishing and the governments guarantee a certain standard of living.

There are other problems more closely related to the question of culture. The poor fit between large scale and Korea’s familistic tendencies has probably been a net drag on efficiency. The culture has slowed the introduction of professional managers in situations where, in contrast to small-scale Chinese businesses, they are desperately needed. Further, the relatively low-trust character of Korean culture does not allow Korean chaebol to exploit the same economies of scale and scope in their network organization as do the Japanese keiretsu. That is, the chaebol resembles a traditional American conglomerate more than a keiretsu network: it is burdened with a headquarters staff and a centralized decision-making apparatus for the chaebol as a whole. In the early days of Korean industrialization, there may have been some economic rationale to horizontal expansion of the chaebol into unfamiliar lines of business, since this was a means of bringing modern management techniques to a traditional economy. But as the economy matured, the logic behind linking companies in unrelated businesses with no obvious synergies became increasingly questionable. The chaebol’s scale may have given them certain advantages in raising capital and in cross-subsidizing businesses, but one would have to ask whether this represented a net advantage to the Korean economy once the agency and other costs of a centralized organization were deducted from the balance. (In any event, the bulk of chaebol financing has come from the government at administered interest rates.) Chaebol linkages may actually serve to hold back the more competitive member companies by embroiling them in the affairs of slow-growing partners. For example, of all the varied members of the Samsung conglomerate, only Samsung Electronics is a truly powerful global player. Yet that company has been caught up for several years in the group-wide management reorganization that began with the passing of the conglomerate’s leadership from Samsung’s founder to his son in the late 1980s.72 A different class of problems lies in the political and social realms. Wealth is considerably more concentrated in Korea than in Taiwan, and the tensions caused by disparities in wealth are evident in the uneasy history of Korean labor relations. While aggregate growth in the two countries has been similar over the past four decades, the average Taiwanese worker has a higher standard of living than his Korean counterpart. Government officials were not oblivious to the Taiwanese example, and beginning in about 1981 they began to reverse somewhat their previous emphasis on large-scale companies by reducing their subsidies and redirecting them to small- and medium-sized businesses. By this time, however, large corporations had become so entrenched in their market sectors that they became very difficult to dislodge. The culture itself, which might have preferred small family businesses if left to its own devices, had begun to change in subtle ways; as in Japan, a glamour now attached to working in the large business sector, guaranteed it a continuing inflow of Korea’s best and brightest young people.73

Enron. One: The firm endorsed Enron’s asset-light strategy. In a 1997 edition of the Quarterly, consultants wrote that “Enron was not distinctive at building and operating power stations, but it didn’t matter; these skills could be contracted out. Rather, it was good at negotiating contracts, financing, and government guarantee—precisely the skills that distinguished successful players.” Two: The firm endorsed Enron’s “loose-tight” culture. Or, more precisely, McKinsey endorsed Enron’s use of a term that came straight out of In Search of Excellence. In a 1998 Quarterly, the consultants peripherally praised Enron’s culture of “[allowing executives] to make decisions without seeking constant approval from above; a clear link between daily activities and business results (even if not a P&L); something new to work on as often as possible.” Three: The firm endorsed Enron’s use of off–balance-sheet financing. In that same 1997 Quarterly, the consultants wrote that “the deployment of off–balance-sheet funds using institutional investment money fostered [Enron’s] securitization skills and granted it access to capital at below the hurdle rates of major oil companies.” McKinsey heavyweight Lowell Bryan—godfather of the firm’s financial institutions practice—put it another way: “Securitization’s potential is great because it removes capital and balance sheets as constraints on growth.” Four: The firm endorsed Enron’s approach to “atomization.” In a 2001 Quarterly, the consultants wrote: “Enron has built a reputation as one of the world’s most innovative companies by attacking and atomizing traditional industry structures—first in natural gas and later in such diverse businesses as electric power, Internet bandwidth, and pulp and paper. In each case, Enron focused on the business sliver of intermediation while avoiding the incumbency problems created by a large asset base and vertical integration.

Along with death trek and survival stories, yarns about tough cops who had embarked on county cleanups were surefire; also guaranteed to please were pieces that had anything to do with islands—storming them, hiding out on them, buying them at bargain rates, becoming GI king of them. (My favorite, written by the great Walter Kaylin, had to do with a seaman who took charge of one and went about ruling it while sitting on the shoulders of a weird little chum with whom he had washed ashore.)

Al Qaeda is using our liberal justice system,” he continued. I really don’t know what liberal justice system he was talking about: the U.S. broke the world record for the number of people it has in prison. Its prison population is over two million, more than any other country in the world, and its rehabilitation programs are a complete failure. The United States is the “democratic” country with the most draconian punishment system; in fact, it is a good example of how draconian punishments do not help in stopping crimes. Europe is by far more just and humane, and the rehab programs there work, so the crime rate in Europe is decisively lower than the U.S. But the American proverb has it, “When the going gets rough, the rough get going.” Violence naturally produces violence; the only loan you can make with a guarantee of payback is violence. It might take some time, but you will always get your loan back.

Another hidden danger with ‘switch and get rich’ is that older pensions might have guaranteed bonuses or annuity rate guarantees hidden away in the small print. Many of these will date from the 1980s and 1990s when interest rates were higher and stock-market performance was much better than it is today and will be for at least the next five to ten years. Most savers probably don’t know about these guarantees and may be lured into switching from older, better funds and thus losing valuable benefits.

Benin shows us, at any rate, that there is nothing inherent in human nature that inclines away from paganism and much that inclines toward it, and there is nothing inherent about the development of human societies and cultures that mitigates against even the worst and most violent forms of pagan ritual. The passage of time, even the advent of modernity and the Industrial Revolution, is no cure for the shaman’s bloody altar, no guarantee against the impulse to spill innocent blood for protection or propitiation. Neither is technology or “progress.” Indeed, some of the most technologically advanced pre-Christian pagan empires were among the most brutal, from the Aztecs to the Carthaginians, and even the Romans.

Is this how it works in your books? Someone comes in hot with a grand gesture and then walks away? They just give up? What happened to the guaranteed happily ever after? I feel kinda cheated out of mine.” One of her eyebrows rose. “You want the happy ending?” “Baby, I’ve lived my life without you by my side, and let me tell you, it’s not a life I wanna live. I’m no longer naïve enough to believe the beautiful boy-meets-girl-falls-in-love-and-everything-is-perfect-for-the-rest-of-their-lives kinda reality.” Her sweet laugh filtered through the air. “Now that sounds more like a romance novel.” “I know not every love story gets a happy ending. And that ours might end someday. But know that I’d rather have a handful of amazing days with you than close the door now, for fear that it won’t work out.” Tears welled in her eyes. “I’ve missed you so much.

BAC levels of 0.08% or higher (0.04% for commercial drivers) lead to immediate license revocation.

Militarism abounds. Pastoralists, particularly in deserts, with their far-flung members tending the herds, are a spawning ground for warrior classes. And with them typically come (a) military trophies as stepping-stones to societal status; (b) death in battle as a guarantee of a glorious afterlife; (c) high rates of economic polygamy and mistreatment of women; and (d) authoritarian parenting.

Children under 8 years of age and weighing less than 80 pounds require appropriate restraints. Children under 5 years of age and weighing less than 40 pounds must be secured in the rear seat if there is an active passenger-side airbag.

North Carolina's legal drinking age is 21, and it is unlawful for anyone under 21 years of age to purchase or attempt to purchase alcohol. • Underage drinking offenses lead to license revocations for those attempting to purchase, aiding purchases, using fraudulent IDs, or supplying alcohol to minors.

I tell the broker’s son that if I was mayor of New York, I’d implement a policy of public dismemberment for convicted rapists. It would be a penis guillotine built on the Brooklyn Bridge. I originally thought the severed penises would be nailed along the bridge next to their owner’s mug shots, but now I think they should just be thrown to the crowd to be torn apart by angry hands. I’d be willing to guarantee that within a year the rate of violent sex crimes would drop by half, at least. *

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them entertained and supplied with a surfeit of horseflesh. But none to really worry about. Their source of food and sustenance, the buffalo, roamed the plains in record numbers and still ranged into every corner of Comancheria. The tribe’s low birth rates virtually guaranteed that their nomadic life following buffalo herds was infinitely sustainable. Their world was thus suspended in what seemed to be a perfect equilibrium, a balance of earth and wind and sun and sky that would endure forever. An empire under the bright summer moon. For those who witnessed the change at a very intimate and personal level, including Cynthia Ann and her husband, the speed with which that ideal world was dismantled must have seemed scarcely believable. She herself, the daughter of pioneers who were hammering violently at the age-old Comanche barrier that had defeated all other comers, now adopted into a culture that was beginning to die, was the emblem of the change. Somehow she and her husband, Peta Nocona, survived the cataclysm. As nomads, they moved constantly. One imagines her on one of these migrations, on horseback, moving slowly across the open grassy plain with hundreds of others, warriors in the vanguard, toward a wide, hazy horizon that would have looked to white men like unalloyed emptiness. There were the long trains of heavily packed mules and horses and the ubiquitous Comanche dogs. There were horses dragging travois that carried the huge tent poles and piled buffalo hides and scored the earth as they went along—perfectly parallel lines drawn on the prairie, merging and vanishing into the pale-blue Texas sky. All trailed by the enormous horse remuda, the source of their wealth. It must have been something to behold. Cynthia Ann lived a hard life. Women did all of the brutally hard work, including most of the work that went into moving camp. They did it from dawn till dark, led brief difficult lives, and did not complain about it; they did everything except hunt and fight. Her camp locations show just how far she roamed. Pah-hah-yuco’s camps were found in 1843 north of the Red River and south of modern-day Lawton, Oklahoma, on Cache Creek (the encampment was on a creek bank on the open prairie and stretched for half a mile).25 In 1844 he was camped on the Salt Plains of present-day north-central Oklahoma, on the Salt Fork of the Arkansas River,26 well north of the Washita, where Williams found him in 1846. In 1847 his band was spotted a hundred miles north of Austin, in rolling, lightly timbered prairie, camped in a village of one hundred fifty lodges,27 and again that same year in a village in the limestone hills and mesas west of Austin. She was identified as being with the Tennawish band in 1847, who often camped with the Penateka (with whom Pah-hah-yuco was often

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It was Hannah Arendt who first noted, back in 1951, that “totalitarianism in power invariably replaces all first-rate talents, regardless of their sympathies, with those crackpots and fools whose lack of intelligence and creativity is still the best guarantee of their loyalty

And that the only way to truly guarantee that we didn’t have another catastrophic oil spill in the future was to stop drilling entirely; but that wasn’t going to happen because at the end of the day we Americans loved our cheap gas and big cars more than we cared about the environment, except when a complete disaster was staring us in the face; and in the absence of such a disaster, the media rarely covered efforts to shift America off fossil fuels or pass climate legislation, since actually educating the public on long-term energy policy would be boring and bad for ratings; and the one thing I could be certain of was that for all the outrage being expressed at the moment about wetlands and sea turtles and pelicans, what the majority of us were really interested in was having the problem go away, for me to clean up yet one more mess decades in the making with some quick and easy fix, so that we could all go back to our carbon-spewing, energy-wasting ways without having to feel guilty about it.

In fact religion or what was understood by that word at the time, was incorporated indissolubly in the body of social institutions, in which recognition of the "gods of the city" and observance of the lawfully established forms of worship played a fundamental part, providing them with a guarantee of stability; and it was this that conferred on these institutions a genuinely traditional character. Since those times however, at any rate during the classical period, men ceased to be fully aware of the principle on which their tradition should have been based intellectually; in this may be seen one of the earliest manifestations of the metaphysical incapacity common amount Westerners, a deficiency that brings a strange confusion of thought as its fatal and unquestionable consequence. Among the Greeks especially, rites and symbols inherited from more ancient and already forgotten traditions rapidly lost their original and exact meaning; the imagination of that predominantly artistic people, freely expressing itself through the individual fancies of its poets, covered those symbols with an almost impenetrable veil, and that is the reason why philosophers like Plato openly declared that they did not know how to interpret the most ancient writings they possessed concerning the nature of the gods. Symbols thus degenerated into mere allegories, and through the workings of an invincible tendency towards anthropomorphic personification they turned into "myths," that is to say fables about which every could believe what he pleased, provided he continued in practice to maintain the conventional attitude prescribed by the legal ordinances.

US Navy into which young men enlisted during the late 1930s and early 1940s was decidedly white. This had not always been the case. During the latter half of the nineteenth century, African Americans served in a largely integrated American Navy and made up about 25 percent of its enlisted strength. Some thirty thousand African Americans manned Union vessels during the Civil War, with little discrimination as to duties. After segregation was legalized in 1896, African American enlistments declined and black men were increasingly relegated to the galley or engine room. After World War I, African American enlisted personnel declined further as the Navy recruited Filipino stewards for mess duties. By June 1940, African Americans accounted for only 2.3 percent of the Navy’s 170,000 total manpower. The fleet had mostly converted from coal to oil, and the vast majority of African Americans performed mess duties. Black reenlistments in technical specialties were never barred, however, and a few African American gunner’s mates, torpedo men, and machinist mates continued to serve. Amendments to the Selective Training and Service Act of 1940 guaranteed the right to enlist regardless of race or color, but in practice, “separate but equal” prejudices consigned most blacks to the Steward’s Branch. Its personnel held ratings up to chief petty officer, but members wore different uniforms and insignia, and even chief stewards never exercised command over rated grades outside the Steward’s Branch. The only measure of equality came when, just as with everyone else aboard ship, African American and Filipino stewards were assigned battle stations. Only then could they stand shoulder to shoulder with their white brothers in arms.13

Treasury Bills The simplest, safest way to generate future cash from current cash is to buy a short-term, three-month Treasury bill. The purchase price you pay is loaned to the government, which in return promises to pay you a guaranteed rate of interest for three months and then return your principal. Because it is very unlikely that the U.S. Treasury will not be around to repay you three months later, the investment is close to riskless and therefore pays a low rate of interest. Its return serves as a benchmark for riskier securities, which must promise to pay more.

Fear is contagious," the commander explained with a shrug. "If I tried to compare notes with you on the dangers of space travel, there's a chance that all I'd do is start worrying myself, and I can't afford that. You see, Gabriel, there are lots of dangers in our lives that we can't do a thing about-traffic accidents, bad food-dangers that have a low probability rating, but that if they hit will be devastating. All I can do-all anyone can do-is to do my best to put them out of my mind. It may seem like a head-in-the-sand approach to fear, but the only option I see is letting the worries eat you alive-paralyze you to a point where you cease to function. To my thinking, that means you're dead, whether you're still breathing or not. I'd rather try to focus on things I can do something about. I can't danger-proof the universe, or even guarantee my own personal safety. I have no way of telling for sure exactly how long my life is going to be, but I'm determined that while I'm alive, I'm going to be a doer, a worker-not a do-nothing worrier.

of the most dangerous neighborhoods in Philadelphia—the poorest, with the highest reported rates of violent crime. I unpacked myself in the “ghetto,” as people flippantly called my new neighborhood. The ghetto had expanded in the twentieth century as it swallowed millions of Black people migrating from the South to Western and Northern cities like Philadelphia. White flight followed. The combination of government welfare—in the form of subsidies, highway construction, and loan guarantees—along with often racist developers opened new wealth-building urban and suburban homes to the fleeing Whites, while largely confining Black natives and new Black migrants to the so-called ghettos, now overcrowded and designed to extract wealth from their residents. But the word “ghetto,” as it migrated to the Main Street of American vocabulary, did not conjure a series of racist policies that enabled White flight and Black abandonment—instead, “ghetto” began to describe unrespectable Black behavior on the North Broad Streets of the country.