Instrument Rating Quotes

Here’s what I believe: 1. If you are offended or hurt when you hear Hillary Clinton or Maxine Waters called bitch, whore, or the c-word, you should be equally offended and hurt when you hear those same words used to describe Ivanka Trump, Kellyanne Conway, or Theresa May. 2. If you felt belittled when Hillary Clinton called Trump supporters “a basket of deplorables” then you should have felt equally concerned when Eric Trump said “Democrats aren’t even human.” 3. When the president of the United States calls women dogs or talks about grabbing pussy, we should get chills down our spine and resistance flowing through our veins. When people call the president of the United States a pig, we should reject that language regardless of our politics and demand discourse that doesn’t make people subhuman. 4. When we hear people referred to as animals or aliens, we should immediately wonder, “Is this an attempt to reduce someone’s humanity so we can get away with hurting them or denying them basic human rights?” 5. If you’re offended by a meme of Trump Photoshopped to look like Hitler, then you shouldn’t have Obama Photoshopped to look like the Joker on your Facebook feed. There is a line. It’s etched from dignity. And raging, fearful people from the right and left are crossing it at unprecedented rates every single day. We must never tolerate dehumanization—the primary instrument of violence that has been used in every genocide recorded throughout history.

To the untrained eye ego-climbing and selfless climbing may appear identical. Both kinds of climbers place one foot in front of the other. Both breathe in and out at the same rate. Both stop when tired. Both go forward when rested. But what a difference! The ego-climber is like an instrument that’s out of adjustment. He puts his foot down an instant too soon or too late. He’s likely to miss a beautiful passage of sunlight through the trees. He goes on when the sloppiness of his step shows he’s tired. He rests at odd times. He looks up the trail trying to see what’s ahead even when he knows what’s ahead because he just looked a second before. He goes too fast or too slow for the conditions and when he talks his talk is forever about somewhere else, something else. He’s here but he’s not here. He rejects the here, he’s unhappy with it, wants to be farther up the trail but when he gets there will be just as unhappy because then *it* will be “here”. What he’s looking for, what he wants, is all around him, but he doesn’t want that because it *is* all around him. Every step’s an effort, both physically and spiritually, because he imagines his goal to be external and distant.

The drum, at any rate, from its martial voice and notable physiological effect, nay, even from its cumbrous and comical shape, stands alone among the instruments of noise. 

Supposing that what is at any rate believed to be the 'truth' really is true, and the meaning of all culture is the reduction of the beast of prey 'man' to a tame and civilized animal, a domestic animal, then one would undoubtedly have to regard all those instincts of reaction and ressentiment through whose aid the noble races and their ideals were finally confounded and overthrown as the actual instruments of culture; which is not to say that the bearers of these instincts themselves represent culture. Rather is the reverse not merely probable—no! today it is palpable! These bearers of the oppressive instincts that thirst for reprisal, the descendants of every kind of European and non-European slavery, and especially of the entire pre-Aryan populace—they represent the regression of mankind! These 'instruments of culture' are a disgrace to man and rather an accusation and counterargument against 'culture' in general!

A portable CD player played some kind of new age stuff that sounded like aborigine instruments being used to help a woman imitate Enya. At any rate, there was definitely a bull-roarer and a didgeridoo in there somewhere.

The harder a government, such as a dictatorship, tries to maintain monetary policy autonomy, the more it must either limit the movement of capital into and outside of the country, or the more it must compromise exchange-rate stability.

There is a line. It’s etched from dignity. And raging, fearful people from the right and left are crossing it at unprecedented rates every single day. We must never tolerate dehumanization—the primary instrument of violence that has been used in every genocide recorded throughout history.

We know, however, that the mind is capable of understanding these matters in all their complexity and in all their simplicity. A ball flying through the air is responding to the force and direction with which it was thrown, the action of gravity, the friction of the air which it must expend its energy on overcoming, the turbulence of the air around its surface, and the rate and direction of the ball's spin. And yet, someone who might have difficulty consciously trying to work out what 3 x 4 x 5 comes to would have no trouble in doing differential calculus and a whole host of related calculations so astoundingly fast that they can actually catch a flying ball. People who call this "instinct" are merely giving the phenomenon a name, not explaining anything. I think that the closest that human beings come to expressing our understanding of these natural complexities is in music. It is the most abstract of the arts - it has no meaning or purpose other than to be itself. Every single aspect of a piece of music can be represented by numbers. From the organization of movements in a whole symphony, down through the patterns of pitch and rhythm that make up the melodies and harmonies, the dynamics that shape the performance, all the way down to the timbres of the notes themselves, their harmonics, the way they change over time, in short, all the elements of a noise that distinguish between the sound of one person piping on a piccolo and another one thumping a drum - all of these things can be expressed by patterns and hierarchies of numbers. And in my experience the more internal relationships there are between the patterns of numbers at different levels of the hierarchy, however complex and subtle those relationships may be, the more satisfying and, well, whole, the music will seem to be. In fact the more subtle and complex those relationships, and the further they are beyond the grasp of the conscious mind, the more the instinctive part of your mind - by which I mean that part of your mind that can do differential calculus so astoundingly fast that it will put your hand in the right place to catch a flying ball- the more that part of your brain revels in it. Music of any complexity (and even "Three Blind Mice" is complex in its way by the time someone has actually performed it on an instrument with its own individual timbre and articulation) passes beyond your conscious mind into the arms of your own private mathematical genius who dwells in your unconscious responding to all the inner complexities and relationships and proportions that we think we know nothing about. Some people object to such a view of music, saying that if you reduce music to mathematics, where does the emotion come into it? I would say that it's never been out of it.

they pale by comparison to the trading volumes of hedge funds, to say nothing of the levels of trading in exotic securities such as interest rate swaps, collateralized debt obligations, derivatives such as futures on commodities, stock indexes, stocks, and even bets on whether a given company will go into bankruptcy (credit default swaps). The aggregate nominal value of these instruments, as I noted in Chapter 1, now exceeds $700 trillion.

The idea of an achievement gap means there is a disparity in academic performance between groups of students; implicit in this idea is that academic achievement as measured by statistical instruments like test scores and dropout rates is the only form of academic “achievement.” There is an even more sinister implication in achievement-gap talk—that disparities in academic achievement accurately reflect disparities in intelligence among racial groups. Intellect is the linchpin of behavior, and the racist idea of the achievement gap is the linchpin of behavioral racism.

As usual, he combined experience and experiment; in fact he used the same word, esperienza, for both. While in Florence, he devised a pair of goggles for his dives in the Arno so he could study the water as it flowed past a weir. He threw oak apples or corks into a river and counted “beats of time” to study how long it took those in the center and those nearer the banks to move two hundred feet. He made floats that could hover at different depths to see how the currents changed from the surface to the bottom, and he crafted instruments that could measure a river’s downhill course so he could determine the “rate of fall of a river per mile.

When our emotions form a terminal desire, we feel motivated to fulfill it: to do so will feel good, or at any rate, will feel better than not fulfilling it. But what about the instrumental desires our intellect forms so we can fulfill this terminal desire? Fulfillment of these instrumental desires won’t itself feel good; indeed, for the pre-law student to drag himself out of bed will feel distinctly bad. More generally, although the objects of terminal desires formed by the emotions are inherently desirable, the objects of instrumental desires formed by the intellect aren’t. What is it, then, that motivates us to fulfill these instrumental desires?

Unluckier still was Guillaume Le Gentil, whose experiences are wonderfully summarized by Timothy Ferris in Coming of Age in the Milky Way. Le Gentil set off from France a year ahead of time to observe the transit from India, but various setbacks left him still at sea on the day of the transit—just about the worst place to be since steady measurements were impossible on a pitching ship. Undaunted, Le Gentil continued on to India to await the next transit in 1769. With eight years to prepare, he erected a first-rate viewing station, tested and retested his instruments, and had everything in a state of perfect readiness. On the morning of the second transit, June 4, 1769, he awoke to a fine day, but, just as Venus began its pass, a cloud slid in front of the Sun and remained there for almost exactly the duration of the transit: three hours, fourteen minutes, and seven seconds. Stoically, Le Gentil packed up his instruments and set off for the nearest port, but en route he contracted dysentery and was laid up for nearly a year. Still weakened, he finally made it onto a ship. It was nearly wrecked in a hurricane off the African coast. When at last he reached home, eleven and a half years after setting off, and having achieved nothing, he discovered that his relatives had had him declared dead in his absence and had enthusiastically plundered his estate.

We’ve relegated death, birth, and even making music to the professionals…all things that, until a few generations ago, used to be done by regular people like us in the home. What used to be natural — giving birth, playing instruments and singing, and dying among loved ones who will lovingly lay our bodies out in the parlor to be honored by those who loved us — is now a commercial enterprise. Not that I’m ungrateful for a lower infant mortality rate or the safety that women in high-risk pregnancies now enjoy, and not that I don’t love hearing professionally recorded music. But I do wonder if we lost more than we realized when we started hiring professionals to do for us what we used to do for ourselves.

the personal happiness rating of U.S. citizens was about the same as that of Cubans and Egyptians, whose per-capita GNPs were respectively five and over ten times less than that of the Americans. West Germans and Nigerians came out with identical happiness ratings, despite an over fifteenfold difference in per-capita GNP. So far, these discrepancies only demonstrate that our instruments for measuring optimal experience are still very primitive. Yet the fact that differences do exist seems incontestable. Despite ambiguous findings, all large-scale surveys agree that citizens of nations that are more affluent, better educated, and ruled by more stable governments report higher levels of happiness and satisfaction with life.

SMALLER, BUT I CAN STILL SEE YOU!” said Owen Meany. Then he left us; he was gone. I could tell by his almost cheerful expression that he was at least as high as the palm trees. Major Rawls saw to it that Owen Meany got a medal. I was asked to make an eyewitness report, but Major Rawls was instrumental in pushing the proper paperwork through the military chain of command. Owen Meany was awarded the so-called Soldier’s Medal: “For heroism that involves the voluntary risk of life under conditions other than those of conflict with an opposing armed force.” According to Major Rawls, the Soldier’s Medal rates above the Bronze Star but below the Legion of Merit. Naturally, it didn’t matter very much to me—exactly where the medal was rated—but I think Rawls was right in assuming that the medal mattered to Owen Meany. Major Rawls did not attend Owen’s funeral. When I spoke on the telephone with him, Rawls was apologetic about not making the trip to New Hampshire; but I assured him that I completely understood his feelings. Major Rawls had seen his share of flag-draped caskets;

As long as we do not have integral control of the world press, everything we do will be without result. At any rate we need to make sure that we can influence the world press if we are to govern and shackle the masses.” Today our elite control the mass media worldwide. They possess an enormous repertoire of instruments by which to implement its power. In their hands the press have become the principal tool with which public opinion and the thoughts of every individual are shaped. Press and literature have become the main educators! Anything that is repeated in the media often enough is nowadays considered to be true. When various people comment on a certain theme, usually there are as many opinions as there are commentators. In light of the apparent media variety, one would expect that many kinds of opinions would be expressed regarding various important issues; after all, we have a constitutional freedom of expression. However, in the areas of politics, economics, religion, education, culture and science, virtually all media speak in the same language. Dissenting opinions, which certainly exist, are ignored with shared unbreakable solidarity amongst the media outlets.

Jacques Ellul has a word for this instrumentalizing attitude: technique. His analysis helps us to appreciate just how deep and wide the n-shaped dynamic runs in our society. He defines technique as “the totality of methods rationally arrived at and having absolute efficiency in every field of human activity.”14 It is “never anything but a collection of means and the search for the most efficient means” in any given situation,15 with its origin in Cain’s city-building and Lamech’s polygamy.16 Up until the eighteenth century, Ellul argues, technique was largely absent from all areas of society apart from the mechanical, but in the industrial revolution, technical progress suddenly exploded and began to reconfigure every area of life, from industrial production through politics to the family. The result is that today technique is not a thing out there in the world; it is how we do everything we do in the world: “The Third World, Europe, militarization, etc., are all political matters. Inflation, exchange rates, standards of living, and growth are all economic matters. Yet technique has a part in all of them. It is like a key, like a substance underlying all problems and situations. It is ultimately the decisive factor.

Unluckier still was Guillaume Le Gentil, whose experiences are wonderfully summarized by Timothy Ferris in Coming of Age in the Milky Way. Le Gentil set off from France a year ahead of time to observe the transit from India, but various setbacks left him still at sea on the day of the transit—just about the worst place to be since steady measurements were impossible on a pitching ship. Undaunted, Le Gentil continued on to India to await the next transit in 1769. With eight years to prepare, he erected a first-rate viewing station, tested and retested his instruments, and had everything in a state of perfect readiness. On the morning of the second transit, June 4, 1769, he awoke to a fine day, but, just as Venus began its pass, a cloud slid in front of the Sun and remained there for almost exactly the duration of the transit: three hours, fourteen minutes, and seven seconds. Stoically, Le Gentil packed up his instruments and set off for the nearest port, but en route he contracted dysentery and was laid up for nearly a year. Still weakened, he finally made it onto a ship. It was nearly wrecked in a hurricane off the African coast. When at last he reached home, eleven and a half years after setting off, and having achieved nothing, he discovered that his relatives had had him declared dead in his absence and had enthusiastically plundered his estate. In

Unluckier still was Guillaume Le Gentil, whose experiences are wonderfully summarized by Timothy Ferris in Coming of Age in the Milky Way . Le Gentil set off from France a year ahead of time to observe the transit (of Venus) from India, but various setbacks left him still at sea on the day of the transit—just about the worst place to be since steady measurements were impossible on a pitching ship. Undaunted, Le Gentil continued on to India to await the next transit in 1769. With eight years to prepare, he erected a first-rate viewing station, tested and retested his instruments, and had everything in a state of perfect readiness. On the morning of the second transit, June 4, 1769, he awoke to a fine day, but, just as Venus began its pass, a cloud slid in front of the Sun and remained there for almost exactly the duration of the transit: three hours, fourteen minutes, and seven seconds. Stoically, Le Gentil packed up his instruments and set off for the nearest port, but en route he contracted dysentery and was laid up for nearly a year. Still weakened, he finally made it onto a ship. It was nearly wrecked in a hurricane off the African coast. When at last he reached home, eleven and a half years after setting off, and having achieved nothing, he discovered that his relatives had had him declared dead in his absence and had enthusiastically plundered his estate

More than anything, we have lost the cultural customs and traditions that bring extended families together, linking adults and children in caring relationships, that give the adult friends of parents a place in their children's lives. It is the role of culture to cultivate connections between the dependent and the dependable and to prevent attachment voids from occurring. Among the many reasons that culture is failing us, two bear mentioning. The first is the jarringly rapid rate of change in twentieth-century industrial societies. It requires time to develop customs and traditions that serve attachment needs, hundreds of years to create a working culture that serves a particular social and geographical environment. Our society has been changing much too rapidly for culture to evolve accordingly. There is now more change in a decade than previously in a century. When circumstances change more quickly than our culture can adapt to, customs and traditions disintegrate. It is not surprising that today's culture is failing its traditional function of supporting adult-child attachments. Part of the rapid change has been the electronic transmission of culture, allowing commercially blended and packaged culture to be broadcast into our homes and into the very minds of our children. Instant culture has replaced what used to be passed down through custom and tradition and from one generation to another. “Almost every day I find myself fighting the bubble-gum culture my children are exposed to,” said a frustrated father interviewed for this book. Not only is the content often alien to the culture of the parents but the process of transmission has taken grandparents out of the loop and made them seem sadly out of touch. Games, too, have become electronic. They have always been an instrument of culture to connect people to people, especially children to adults. Now games have become a solitary activity, watched in parallel on television sports-casts or engaged in in isolation on the computer. The most significant change in recent times has been the technology of communication — first the phone and then the Internet through e-mail and instant messaging. We are enamored of communication technology without being aware that one of its primary functions is to facilitate attachments. We have unwittingly put it into the hands of children who, of course, are using it to connect with their peers. Because of their strong attachment needs, the contact is highly addictive, often becoming a major preoccupation. Our culture has not been able to evolve the customs and traditions to contain this development, and so again we are all left to our own devices. This wonderful new technology would be a powerfully positive instrument if used to facilitate child-adult connections — as it does, for example, when it enables easy communication between students living away from home, and their parents. Left unchecked, it promotes peer orientation.

But the Hermetic Teachings go much further than do those of modern science. They teach that all manifestation of thought, emotion, reason, will or desire, or any mental state or condition, are accompanied by vibrations, a portion of which are thrown off and which tend to affect the minds of other persons by "induction." This is the principle which produces the phenomena of "telepathy"; mental influence, and other forms of the action and power of mind over mind, with which the general public is rapidly becoming acquainted, owing to the wide dissemination of occult knowledge by the various schools, cults and teachers along these lines at this time. Every thought, emotion or mental state has its corresponding rate and mode of vibration. And by an effort of the will of the person, or of other persons, these mental states may be reproduced, just as a musical tone may be reproduced by causing an instrument to vibrate at a certain rate — just as color may be reproduced in the same way. By a knowledge of the Principle of Vibration, as applied to Mental Phenomena, one may polarize his mind at any degree he wishes, thus gaining a perfect control over his mental states, moods, etc. In the same way he may affect the minds of others, producing the desired mental states in them. In short, he may be able to produce on the Mental Plane that which science produces on the Physical Plane — namely, "Vibrations at Will." This power of course may be acquired only by the proper instruction, exercises, practice, etc., the science being that of Mental Transmutation, one of the branches of the Hermetic Art.

In scale and audacity, the dam was astonishing; engineers were going to anchor a mile-long wall of concrete in bedrock at the bottom of a steep canyon in the Columbia. They would excavate 45 million cubic yards of dirt and rock, and pour 24 million tons of concrete. Among the few dams in the Northwest not built by the Corps of Engineers, the Grand Coulee was the work of the Bureau of Reclamation. When completed, it was a mile across at the top, forty-six stories high, and heralded as the biggest thing ever built by man. The dam backed up the river for 151 miles, creating a lake with 600 miles of shoreline. At the dam’s dedication in 1941, Roosevelt said Grand Coulee would open the world to people who had been beat up by the elements, abused by the rich and plagued by poor luck. But a few months after it opened, Grand Coulee became the instrument of war. Suddenly, the country needed to build sixty thousand planes a year, made of aluminum, smelted by power from Columbia River water, and it needed to build ships—big ones—from the same power source. Near the end of the war, America needed to build an atomic bomb, whose plutonium was manufactured on the banks of the Columbia. Power from the Grand Coulee was used to break uranium into radioactive subelements to produce that plutonium. By war’s end, only a handful of farms were drawing water from the Columbia’s greatest dam. True, toasters in desert homes were warming bread with Grand Coulee juice, and Washington had the cheapest electrical rates of any state in the country, but most of that power for the people was being used by Reynolds Aluminum in Longview and Alcoa in Vancouver and Kaiser Aluminum in Spokane and Tacoma.

Science is analytical description, philosophy is synthetic interpretation. Science wishes to resolve the whole into parts, the organism into organs, the obscure into the known. It does not inquire into the values and ideal possibilities of things, nor into their total and final significance; it is content to show their present actuality and operation, it narrows its gaze resolutely to the nature and process of things as they are. The scientist is as impartial as Nature in Turgenev's poem: he is as interested in the leg of a flea as in the creative throes of a genius. But the philosopher is not content to describe the fact; he wishes to ascertain its relation to experience in general, and thereby to get at its meaning and its worth; he combines things in interpretive synthesis; he tries to put together, better than before, that great universe-watch which the inquisitive scientist has analytically taken apart. Science tells us how to heal and how to kill; it reduces the death rate in retail and then kills us wholesale in war; but only wisdom desire coordinated in the light of all experience- can tell us when to heal and when to kill. To observe processes and to construct means is science; to criticize and coordinate ends is philosophy: and because in these days our means and instruments have multiplied beyond our interpretation and synthesis of ideals and ends, our life is full of sound and fury, signifying nothing. For a fact is nothing except in relation to desire; it is not complete except in relation to a purpose and a whole. Science without philosophy, facts without perspective and valuation, cannot save us from havoc and despair. Science gives us knowledge, but only philosophy can give us wisdom.

John Glen, the first American astronaut to orbit the earth, spent nearly a day in space still keeping his heart rate under a hundred beats per minute. That's a man not simply sitting at the controls but in control of his emotions. A man who had properly cultivated, what Tom Wolfe later called, "the Right Stuff." But you...confront a client or a stranger on the streets and your heart is liable to burst out of your chest; or you are called on to address a crowd and your stomach crashes through the floor. It's time to realize that this is a luxury, an indulgence of our lesser self. In space, the difference between life and death lies in emotional regulations. Hitting the wrong button, reading the instrument panels incorrectly, engaging a sequence too early- none of these could have been afforded on a successful Apollo mission- the consequences were too great. Thus, the question for astronauts was not How skilled a pilot are you, but Can you keep an even strain? Can you fight the urge to panic and instead focus only on what you can change? On the task at hand? Life is really no different. Obstacles make us emotional, but the only way we'll survive or overcome them is by keeping those emotions in check- if we can keep steady no matter what happens, no matter how much external events may fluctuate. The Greeks had a word for this: apatheia. It's the kind of calm equanimity that comes with the absence of irrational or extreme emotions. Not the loss of feeling altogether, just the loss of the harmful, unhelpful kind. Don't let the negativity in, don't let those emotions even get started. Just say: No, thank you. I can't afford to panic. This is the skill that must be cultivated- freedom from disturbance and perturbation- so you can focus your energy exclusively on solving problems, rather than reacting to them. p28-9

HISTORICAL NOTE There are no nuclear power stations in Belarus. Of the functioning stations in the territory of the former USSR, the ones closest to Belarus are of the old Soviet-designed RBMK type. To the north, the Ignalinsk station, to the east, the Smolensk station, and to the south, Chernobyl. On April 26, 1986, at 1:23:58, a series of explosions destroyed the reactor in the building that housed Energy Block #4 of the Chernobyl Nuclear Power Station. The catastrophe at Chernobyl became the largest technological disaster of the twentieth century. For tiny Belarus (population: 10 million), it was a national disaster. During the Second World War, the Nazis destroyed 619 Belarussian villages along with their inhabitants. As a result of Chernobyl, the country lost 485 villages and settlements. Of these, 70 have been forever buried underground. During the war, one out of every four Belarussians was killed; today, one out of every five Belarussians lives on contaminated land. This amounts to 2.1 million people, of whom 700,000 are children. Among the demographic factors responsible for the depopulation of Belarus, radiation is number one. In the Gomel and Mogilev regions, which suffered the most from Chernobyl, mortality rates exceed birth rates by 20%. As a result of the accident, 50 million Ci of radionuclides were released into the atmosphere. Seventy percent of these descended on Belarus; fully 23% of its territory is contaminated by cesium-137 radionuclides with a density of over 1 Ci/km2. Ukraine on the other hand has 4.8% of its territory contaminated, and Russia, 0.5%. The area of arable land with a density of more than 1 Ci/km2 is over 18 million hectares; 2.4 thousand hectares have been taken out of the agricultural economy. Belarus is a land of forests. But 26% of all forests and a large part of all marshes near the rivers Pripyat, Dniepr, and Sozh are considered part of the radioactive zone. As a result of the perpetual presence of small doses of radiation, the number of people with cancer, mental retardation, neurological disorders, and genetic mutations increases with each year. —“Chernobyl.” Belaruskaya entsiklopedia On April 29, 1986, instruments recorded high levels of radiation in Poland, Germany, Austria, and Romania. On April 30, in Switzerland and northern Italy. On May 1 and 2, in France, Belgium, the Netherlands, Great Britain, and northern Greece. On May 3, in Israel, Kuwait, and Turkey. . . . Gaseous airborne particles traveled around the globe: on May 2 they were registered in Japan, on May 5 in India, on May 5 and 6 in the U.S. and Canada. It took less than a week for Chernobyl to become a problem for the entire world. —“The Consequences of the Chernobyl Accident in Belarus.” Minsk, Sakharov International College on Radioecology The fourth reactor, now known as the Cover, still holds about twenty tons of nuclear fuel in its lead-and-metal core. No one knows what is happening with it. The sarcophagus was well made, uniquely constructed, and the design engineers from St. Petersburg should probably be proud. But it was constructed in absentia, the plates were put together with the aid of robots and helicopters, and as a result there are fissures. According to some figures, there are now over 200 square meters of spaces and cracks, and radioactive particles continue to escape through them . . . Might the sarcophagus collapse? No one can answer that question, since it’s still impossible to reach many of the connections and constructions in order to see if they’re sturdy. But everyone knows that if the Cover were to collapse, the consequences would be even more dire than they were in 1986. —Ogonyok magazine, No. 17, April 1996

Good luck. For most of my generation, it would just go to student debt and cocktails. If anything came to me (an impossibility), I would dump it into a poorly managed career in edgy luxury items. You can’t make opera money on perfume that smells like cunts and gasoline. At any rate, I didn’t usually make an appearance beyond the gala. Or, I hadn’t until recently. But Joseph Eisner had promised me a fortune, and now he wouldn’t take my calls. He did, however, like his chamber music. It had been an acquired taste for me. In my distant undergraduate past, when circumstance sat me in front of an ensemble, I spent the first five minutes of each concert deciding which musician I would fuck if I had the chance, and the rest shifting minutely in my seat. I still couldn’t stand Chanel. And while I had learned to appreciate—indeed, enjoy—chamber ensembles, orchestras, and on occasion even the opera, I retained my former habit as a dirty amusement to add some private savor to the proceedings. Tonight, it was the violist, weaving and bobbing his way through Dvořák’s Terzetto in C Major like a sinuous dancer. I prefer the romantics—fewer hair-raising harmonies than modern fare, and certainly more engaging than funereal baroque. The intriguing arrangement of the terzetto kept me engaged, in that slightly detached and floating manner engendered by instrumental performance. Moreover, the woman to my left, one row ahead, was wearing Salome by Papillon. The simple fact of anyone wearing such a scent in public pleased me. So few people dared wear anything at all these days, and when they did, it was inevitably staid: an inoffensive classic or antiseptic citrus-and-powder. But this perfume was one I might have worn myself. Jasmine, yes, but more indolic than your average floral. People sometimes say it smells like dirty panties. As the trio wrapped up for intermission, I took a steadying breath of musk and straightened my lapels. The music was only a means to an end, after all.

Regret can improve decisions. To begin understanding regret’s ameliorative properties, imagine the following scenario. During the pandemic of 2020–21, you hastily purchased a guitar, but you never got around to playing it. Now it’s taking up space in your apartment—and you could use a little cash. So, you decide to sell it. As luck would have it, your neighbor Maria is in the market for a used guitar. She asks how much you want for your instrument. Suppose you bought the guitar for $500. (It’s acoustic.) No way you can charge Maria that much for a used item. It would be great to get $300, but that seems steep. So, you suggest $225 with the plan to settle for $200. When Maria hears your $225 price, she accepts instantly, then hands you your money. Are you feeling regret? Probably. Many people do, even more so in situations with stakes greater than the sale of a used guitar. When others accept our first offer without hesitation or pushback, we often kick ourselves for not asking for more.[2] However, acknowledging one’s regrets in such situations—inviting, rather than repelling, this aversive emotion—can improve our decisions in the future. For example, in 2002, Adam Galinsky, now at Columbia University, and three other social psychologists studied negotiators who’d had their first offer accepted. They asked these negotiators to rate how much better they could have done if only they’d made a higher offer. The more they regretted their decision, the more time they spent preparing for a subsequent negotiation.[3] A related study by Galinsky, University of California, Berkeley’s, Laura Kray, and Ohio University’s Keith Markman found that when people look back at previous negotiations and think about what they regretted not doing—for example, not extending a strong first offer—they made better decisions in later negotiations. What’s more, these regret-enhanced decisions spread the benefits widely. During their subsequent encounters, regretful negotiators expanded the size of the pie and secured themselves a larger slice. The very act of contemplating what they hadn’t done previously widened the possibilities of what they could do next and provided a script for future interactions.[4]

The Federal Reserve The Federal Reserve Bank was founded in 1913. Most people think that this bank is an American Federal Company. That is just as wrong as the conviction that the Bank of England belongs to the British Crown or to the whole of England. The Federal Reserve is in the hands of the Rothschilds and company. In his speech before the Senate, on December 15, 1987, Senator Jesse Helms said: “The principal instrument of the control over the American economy and money is the Federal Reserve System.” The Federal Reserve has a monopoly over the expenditure of the dollar as a world currency and determining the interest rate, and it disposes of a lot more monopolies. How does the Federal Reserve Bank operate? Suppose the United States government needs a couple of billion dollars for its expenses that cannot be paid with taxes income. At that moment it addresses the Federal Reserve Board. Then government bonds for the needed billion dollars are printed in the Bureau of Printing and Engraving. After these bonds are handed over to the bankers of the Federal Reserve, the board grants a loan to the government in the amount of the bond issue. The Federal Reserve draws interest from the government from the day the bonds are delivered. From that day on the government is allowed to draw checks against the Federal Reserve for the amount of the bonds. What are the consequences of this incredible transaction? The government simply saddles the people with a billion dollar debt to the Federal Reserve Bank, apart from the interest on interest that also has to be paid by “ordinary people”. What does the Federal Reserve have to say about “their” money? “Neither paper currency nor deposits have value as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.”[76] When the Federal Reserve needs new, or more, currency to transact its business, it takes the bonds over to the United States Treasury for safekeeping and asks the Treasury Department for the billions of dollars of new currency it needs. The Bank is accommodated on condition that it will pay the printing bill. It only pays for the expenditure costs of the banknotes, which are no more than a mere 500 dollars for ink and paper!

Phaedrus wrote a letter from India about a pilgrimage to holy Mount Kailas, the source of the Ganges and the abode of Shiva, high in the Himalayas, in the company of a holy man and his adherents. He never reached the mountain. After the third day he gave up, exhausted, and the pilgrimage went on without him. He said he had the physical strength but that physical strength wasn’t enough. He had the intellectual motivation but that wasn’t enough either. He didn’t think he had been arrogant but thought that he was undertaking the pilgrimage to broaden his experience, to gain understanding for himself. He was trying to use the mountain for his own purposes and the pilgrimage too. He regarded himself as the fixed entity, not the pilgrimage or the mountain, and thus wasn’t ready for it. He speculated that the other pilgrims, the ones who reached the mountain, probably sensed the holiness of the mountain so intensely that each footstep was an act of devotion, an act of submission to this holiness. The holiness of the mountain infused into their own spirits enabled them to endure far more than anything he, with his greater physical strength, could take. To the untrained eye ego-climbing and selfless climbing may appear identical. Both kinds of climbers place one foot in front of the other. Both breathe in and out at the same rate. Both stop when tired. Both go forward when rested. But what a difference! The ego-climber is like an instrument that’s out of adjustment. He puts his foot down an instant too soon or too late. He’s likely to miss a beautiful passage of sunlight through the trees. He goes on when the sloppiness of his step shows he’s tired. He rests at odd times. He looks up the trail trying to see what’s ahead even when he knows what’s ahead because he just looked a second before. He goes too fast or too slow for the conditions and when he talks his talk is forever about somewhere else, something else. He’s here but he’s not here. He rejects the here, is unhappy with it, wants to be farther up the trail but when he gets there will be just as unhappy because then it will be “here.” What he’s looking for, what he wants, is all around him, but he doesn’t want that because it is all around him. Every step’s an effort, both physically and spiritually, because he imagines his goal to be external and distant.

Water Sports Package in Goa: Though you can enjoy individual rides like Parasailing , jet-ski etc according to your liking it is always profitable to opt for a complete package. The Full complete watersports package in Goa can cost effective and enjoyable. The Watersports package we provide includes – Parasailing, Jet-ski Ride, Bumper Ride,Banana Boat Ride and a Speed Boat Prasailing Explore Parasailing in Goa, one of the most fabulous water activities in Goa. Parasailing or para-ascending is an entertaining water sport with two significant instruments- parachute and speedboat. The speedboats speed ahead while the parachute is tied up to the speedboat. The parasail harness is at one end while the speedboat zooms ahead. Eventually the parachute flies high as the speedboat moves ahead. Imagine enjoying the feeling of flying in the sky with wonderful view of the sea. Banana ride Banana Boat Ride is one of the most fun-filled water sport activities and very popular with youngsters. If you are the sporty kinds and looking for adventure and thrill than definitely, you should try Banana Ride in Goa. The banana boat which is a bright yellow Banana shaped swinging ship attached to another speedboat and is pulled inside the water, lashing against waves, and the rider tries to turn it upside down. Banana Boat Ride is a great fun sport that will test your team spirit and stamina. For safety reasons every person willing to go for banana boat ride are supposed to wear a life jacket. Jet Ski Jet skiing in Goa is one of the most exciting and thrilling water sports done in Goa. Jet skiing is one of the perfect vacation activity with the friends and family. The average power of the jet skis is 100-135 hp, It is very easy to operate a jet ski, though you are usually accompanied by an instructor. Jet skiing should surely thrill you in Goa. Bumper Boat Ride A Bumper Boat ride is a very popular water sport activity in Goa. Suitable for all age groups, it's an exhilarating addition to the world of water sports. We provide one round of 500 meter or 600 meter max. Bumper ride is fun and captivating ride, in which a round pipe boat is coupled with a rate boat. As the speed of the boat increases, the bumper pipe jumps on the surface of the standard water. This is a totally amazing bumpy ride but the passengers get to almost fly on the waves. The joy filled shrieks are part and parcel of the bumper ride fun in Goa. Speed Boat Ride Most popular speed boat rides in Goa. The speed and the wind blowing against one's face gives a spine chilling experience. Breaking through the waves in a speed boat and feeling the whistling wind on your face is an exceptional experience. Cruising at more than 50 mph is like tearing the waves of the sea away, Speed Boat rides are sure to increase your heart beat and people find this activity very exciting so most of the tourists in Goa are attracted to speed boat rides. Location - Calangute, Baga, Candolim, Anjuna Timing - 10am - 5 pm Price - 1799/- Per Person Goa Waters[prts Activities +91 8432325222 /6222 Timming:10:00 AM-5:00PM

But what’s with all the sentimentality about nature anyway, and the kowtowing to it, as though adhering to the “natural” had some sort of ethical force? It’s not like nature is such a friend to womankind, not like nature doesn’t just blithely kill women off on a random basis during childbirth or anything. No one who faces up to the real harshness of nature can feel very benignly about its tyranny. Sure, we like nature when it’s a beautiful day on the beach; less so when a tidal wave kills your family or a shark bites off your arm. If it were up to nature, women would devote themselves to propagating the species, compliantly serving as life’s passive instruments, and pipe down on the social demands. It’s only modern technology’s role in overriding nature—lowering the maternal death rate, inventing decent birth control methods—that’s offered women some modicum of self-determination. If it comes down to a choice, my vote’s with technology and modernity, which have liberated women far more than getting the vote or any other feminist initiative (important as these have been), precisely by rescuing us from nature’s clutches.

To the untrained eye ego-climbing and selfless climbing may appear identical. Both kinds of climbers place one foot in front of the other. Both breathe in and out at the same rate. Both stop when tired. Both go forward when rested. But what a difference! The ego-climber is like an instrument that’s out of adjustment. He puts his foot down an instant too soon or too late. He’s likely to miss a beautiful passage of sunlight through the trees. He goes on when the sloppiness of his step shows he’s tired. He rests at odd times. He looks up the trail trying to see what’s ahead even when he knows what’s ahead because he just looked a second before. He goes too fast or too slow for the conditions and when he talks his talk is forever about somewhere else, something else. He’s here but he’s not here. He rejects the here, is unhappy with it, wants to be farther up the trail but when he gets there will be just as unhappy because then it will be ‘here.’ What he’s looking for, what he wants, is all around him, but he doesn’t want that because it is all around him. Every step’s an effort, both physically and spiritually, because he imagines his goal to be external and distant.

The more one examines the teachings and activities of Jesus, the more obvious it appears that they struck at Judaism in a number of fatal respects, which made his arrest and trial by the Jewish authorities inevitable. His hostility to the Temple was unacceptable even to liberal Pharisees, who accorded Temple worship some kind of centrality. His rejection of the Law was fundamental. Mark relates that, having ‘called all the people unto him’, Jesus stated solemnly: ‘There is nothing from without a man, that entering into him can defile him: but the things which come out of him, those are they that defile the man.’89 This was to deny the relevance and instrumentality of the Law in the process of salvation and justification. He was asserting that man could have a direct relationship with God, even if he were poor, ignorant and sinful; and, conversely, it was not man’s obedience to the Torah which creates God’s response, but the grace of God to men, at any rate those who have faith in him, which makes them keep his commandments.

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.

More sophisticated methods exist, of course. A potentially more powerful method is collaborative filtering. It gathers data about what users have bought in the past and uses AI to predict what people are likely to buy in the future. These methods can use both explicit information, like a customer’s ratings of the options, and implicit information, like whether or not they finished a specific program on Netflix. Most famously, perhaps, collaborative filtering is used by Amazon in generating “People who bought this also bought . . .” listings. Collaborative filtering requires a large set of past user behavior to make predictions. This is the heart of suggestions made by Apple Music, “who to follow” suggestions on Twitter, and matches on Tinder. Yes, Tinder apparently changes the people it will show you based on your swipes. Swiping right will change who you see in the future. It’s important to realize that, in its pure form, collaborative filtering doesn’t use in-depth information about the options themselves. When Apple Music recommends a tune, it knows nothing about the song’s tempo, beat, lyrics, or instrumentation. It simply knows that people who are like you like that song too.

Compared to a conventional debt instrument, what makes securitization so attractive is the fact that the airline often retains the junior tranches. These become an asset on its balance sheet. Any discount associated with the low credit rating of these layers is more than offset by the discount on the purchase of the aircraft, thereby creating an immediate profit and cash inflow on delivery of the aircraft. Such are the wonders of modern financial alchemy. Under good, even normal, business conditions, the airline makes lease payments to the securitization vehicle. But in a recession or a bankruptcy filing, when payments are suspended, the owners of the senior strata are able to seize the collateral. The junior participants in the securitization have no rights, and any such assets on the airline’s balance sheet must be written down to zero, further increasing the airline’s losses. By this clever piece of financial engineering, the airline gets shiny new planes for an extremely low cost of funds–recently as low as 6 per cent–while equity shareholders carry nearly all of the business risk. That an industry which has rarely earned an acceptable return on capital should have access to such cheap capital is quite astonishing.

Huygens, best known as the first great horologist, swore he arrived at the idea for the pendulum clock independently of Galileo. And indeed he evinced a deeper understanding of the physics of pendulum swings—and the problem of keeping them going at a constant rate—when he built his first pendulum-regulated clock in 1656. Two years later Huygens published a treatise on its principles, called the Horologium, in which he declared his clock a fit instrument for establishing longitude at sea. By 1660, Huygens had completed not one but two marine timekeepers based on his principles.

Repo is the oil that lubricates the engine of the financial markets. It keeps it running smoothly; it’s the plumbing of the financial system. You might even say it’s the oil that lubricates the engine of the entire economy. Here are some important characteristics of the Repo market: In one respect, Repo is a popular instrument for short-term cash investments for institutional investors, with “short-term” meaning from overnight through one year. It’s an ultra-safe investment. It’s an investment collateralized with a Treasury security at a competitive market rate of interest. In another respect, Repo is a mechanism for market participants to cover short sales of U.S. Treasurys. This is a big part of the Repo market and arguably the most interesting part. In another respect, it provides collateralized funding for large leveraged investors. OK, let’s just get this said up front. Yes, the Repo market is the way hedge funds can highly leverage their trading positions. More on this later.

Blaming wild market volatility on the “animal spirits” of the herd mentality takes the focus off where it belongs: on the actions of the government. Instead of functioning as instruments of information, signaling to entrepreneurs how and when best to serve consumers, interest rates are perpetually manipulated by central bank actions to the point of meaninglessness. Artificial changes in interest rates become a deceptive feint by which entrepreneurs succumb to malinvestment, because they believe there are more resources (i.e., savings) in the system than there really are. Monetary policy insidiously plays with our time preferences and our very ability to engage in economic calculation. The greater the distortion, the greater destruction needed to correct it.

ECB – unlike, say, the US Federal Reserve which is placed within a political structure where Congress, the President, and the Treasury supply all the necessary political counterweights – is free (indeed, is supposed) to operate in a political vacuum: the parliaments and governments of the members of the euro zone have lost control over monetary policy, while the EP has no authority in this area. Moreover, the ECB enjoys not only ‘instrument independence’ but also ‘goal independence’. When a central bank enjoys only instrument independence, it is up to the government to fix the target – say, the politically acceptable level of inflation – leaving then the central bank free to decide how best to achieve the target. In the case of goal independence, the discretionary power of the central banker is much larger. The idea that central bankers, or other economic experts, may know what rate of inflation is in the long-run interest of a country (and, a fortiori, of a group of countries at very different levels of socioeconomic developments such as the EU) is indeed extraordinary. Politicians and elected policymakers, rather than experts, can be expected to be sensitive to the public’s preferred balance of inflation and unemployment. If the public wants to trade some unemployment for a somewhat higher rate of inflation, it can make this preference known by electing candidates who stand for such a policy; but no such possibility is given to the citizens of the euro zone or to their political representatives.

Curbing the financial sector. Since so much of the increase in inequality is associated with the excesses of the financial sector, it is a natural place to begin a reform program. Dodd-Frank is a start, but only a start. Here are six further reforms that are urgent: (a) Curb excessive risk taking and the too-big-to-fail and too-interconnected-to-fail financial institutions; they’re a lethal combination that has led to the repeated bailouts that have marked the last thirty years. Restrictions on leverage and liquidity are key, for the banks somehow believe that they can create resources out of thin air by the magic of leverage. It can’t be done. What they create is risk and volatility.2 (b) Make banks more transparent, especially in their treatment of over-the-counter derivatives, which should be much more tightly restricted and should not be underwritten by government-insured financial institutions. Taxpayers should not be backing up these risky products, no matter whether we think of them as insurance, gambling instruments, or, as Warren Buffett put it, financial weapons of mass destruction.3 (c) Make the banks and credit card companies more competitive and ensure that they act competitively. We have the technology to create an efficient electronics payment mechanism for the twenty-first century, but we have a banking system that is determined to maintain a credit and debit card system that not only exploits consumers but imposes large fees on merchants for every transaction. (d) Make it more difficult for banks to engage in predatory lending and abusive credit card practices, including by putting stricter limits on usury (excessively high interest rates). (e) Curb the bonuses that encourage excessive risk taking and shortsighted behavior. (f) Close down the offshore banking centers (and their onshore counterparts) that have been so successful both at circumventing regulations and at promoting tax evasion and avoidance. There is no good reason that so much finance goes on in the Cayman Islands; there is nothing about it or its climate that makes it so conducive to banking. It exists for one reason only: circumvention. Many

Annihilating nihilism is a peculiar phenomenon – the product of financial capitalism. In the sphere of financial capitalism, destroying concrete wealth is the easiest way to accumulate abstract value. The credit default swap (CDS) is the best example of this transformation of life, resources and language into nihil. The CDS is a contract in which the buyer of the CDS makes a series of payments to the seller and, in exchange, receives a pay-off if an instrument – typically a bond or loan – goes into default (fails to pay). Less commonly, the credit event that triggers the pay-off can be the restructuring or bankruptcy of a company, or even simply the downgrading of its credit rating. If the financial game is based on the premise that the value of money invested will increase as things are annihilated (if factories are dismantled, jobs are destroyed, people die, cities crumble, and so on), this type of financial profiteering is essentially constructed upon a bet on the degradation of the world.

1.​YOUR LOVE RELATIONSHIP. This is the measure of how happy you are in your current state of relationship—whether you’re single and loving it, in a relationship, or desiring one. 2.​YOUR FRIENDSHIPS. This is the measure of how strong a support network you have. Do you have at least five people who you know have your back and whom you love being around? 3.​YOUR ADVENTURES. How much time do you get to travel, experience the world, and do things that open you to new experiences and excitement? 4.​YOUR ENVIRONMENT. This is the quality of your home, your car, your work, and in general the spaces where you spend your time—even when traveling. 5.​YOUR HEALTH AND FITNESS. How would you rate your health, given your age, and any physical conditions? 6.​YOUR INTELLECTUAL LIFE. How much and how fast are you growing and learning? How many books do you read? How many seminars or courses do you take yearly? Education should not stop after you graduate from college. 7.​YOUR SKILLS. How fast are you improving the skills you have that make you unique and help you build a successful career? Are you growing toward mastery or are you stagnating? 8.​YOUR SPIRITUAL LIFE. How much time do you devote to spiritual, meditative, or contemplative practices that keep you feeling connected, balanced, and peaceful? 9.​YOUR CAREER. Are you growing, climbing the ladder, and excelling? Or do you feel you’re stuck in a rut? If you have a business, is it thriving or stagnating? 10.​YOUR CREATIVE LIFE. Do you paint, write, play musical instruments, or engage in any other activity that helps you channel your creativity? Or are you more of a consumer than a creator? 11.​YOUR FAMILY LIFE. Do you love coming home to your family after a hard day’s work? If you’re not married or a parent, define your family as your parents and siblings. 12.​YOUR COMMUNITY LIFE. Are you giving, contributing, and playing a definite role in your community?

An instrument rating is a beginning, not an endorsement that one can fly off into any kind of weather.

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We returned to the possibilities of musical instruments, and used a very soft beater on a padded bass drum, which strangely sounded far more lifelike, although the average heartbeat rate of 72 bpm was too fast and we slowed it down to a level that would have caused any cardiologist some concern.

The human brain evolved to work within a strict cultural framework. Our brains and cultural/religious mechanisms co-evolved to work together. Operating our brains in a cultural/religious vacuum is like trying to run a machine without any grease—it will start fritzing and fall to pieces at a much faster rate. When individuals cast off their ancestral cultural/religious frameworks or make up new ones out of whole cloth without carefully investigating the instrumental roles cultural practices play, is it any surprise that they find themselves barely holding it together mentally by their mid-30s while desperately searching for community and purpose? Instead of taking the winding road to their destination, they decided to just beeline their car (brain) straight through muddy fields and, in the process, damage their car.

Years later, people would ask me, “How did you know when and what to buy?” But all I basically did was create a massive arbitrage—a fixed-rate instrument in an inflationary environment. I essentially took on $4 billion of nonrecourse debt at an average interest rate of 6 percent in an environment with inflation of 9 percent or higher. That means I was already making 3 percent returns the second the deal closed—without doing a thing to the assets. Sure, we picked some terrific properties, but every one didn’t have to be Class A.

Science tells us how to heal and how to kill; it reduces the death rate in retail and then kills us wholesale in war; but only wisdom - desire coordinated in the light of all experience - can tell us when to heal and when to kill. To observe processes and to construct means is science; to criticize and coordinate ends is philosophy: and because in these days our means and instruments have multiplied beyond our interpretation and synthesis of ideals and ends, our life is full of sound and fury, signifying nothing. For a fact is nothing except in relation to desire; it is not complete except in relation to a purpose and a whole. Science without philosophy, facts without perspective and valuation, cannot save us from havoc and despair. Science gives us knowledge, but only philosophy can give us wisdom.

The Global Financial Crisis of 2007–08 represented the greatest financial downswing of my lifetime, and consequently it presents the best opportunity to observe, reflect and learn. The scene was set for its occurrence by a number of developments. Here’s a partial list: Government policies supported an expansion of home ownership—which by definition meant the inclusion of people who historically couldn’t afford to buy homes—at a time when home prices were soaring; The Fed pushed interest rates down, causing the demand for higher-yielding instruments such as structured/levered mortgage securities to increase; There was a rising trend among banks to make mortgage loans, package them and sell them onward (as opposed to retaining them); Decisions to lend, structure, assign credit ratings and invest were made on the basis of unquestioning extrapolation of low historic mortgage default rates; The above four points resulted in an increased eagerness to extend mortgage loans, with an accompanying decline in lending standards; Novel and untested mortgage backed securities were developed that promised high returns with low risk, something that has great appeal in non-skeptical times; Protective laws and regulations were relaxed, such as the Glass-Steagall Act (which prohibited the creation of financial conglomerates), the uptick rule (which prevented traders who had bet against stocks from forcing them down through non-stop short selling), and the rules that limited banks’ leverage, permitting it to nearly triple; Finally, the media ran articles stating that risk had been eliminated by the combination of: the adroit Fed, which could be counted on to inject stimulus whenever economic sluggishness developed, confidence that the excess liquidity flowing to China for its exports and to oil producers would never fail to be recycled back into our markets, buoying asset prices, and the new Wall Street innovations, which “sliced and diced” risk so finely, spread it so widely and placed it with those best suited to bear it.

The Global Financial Crisis shows the credit cycle at the greatest extreme since the Great Depression. Debt markets historically had been marked by general conservatism, meaning excesses on the upside were limited and most bubbles took place in the equity market. Certainly it was the site of the Great Crash of 1929. But the creation of the high yield bond market in the late 1970s kicked off a liberalization of debt investing, and the generally positive economic environment of the subsequent three decades provided those who ventured in with a favorable overall experience. This combination led to a strong trend toward acceptance of low-rated and non-traditional debt instruments. There were periods of weakness in debt in 1990–91 (related to widespread bankruptcies among the highly levered buyouts of the 1980s) and in 2002 (stemming from excessive borrowing to fund overbuilding in the telecom industry, which led to prominent downgrades that coincided with several high-profile corporate accounting scandals). But the effects of these were limited because of the isolated nature of their causes. It wasn’t until 2007–08 that the financial markets witnessed the first widespread, debt-induced panic, with ramifications for the entire economy. Thus the GFC provided the ultimate example of the credit cycle’s full effect.

Surgeons hated the fact that carbolic acid spray burned their hands and eyes, and they found the sterilization of instruments to be a time-consuming and unprofitable chore. Furthermore, the concept that tiny, invisible organisms caused the deaths of robust adults appeared implausible. But over time Lister’s astonishing postoperative survival rates carried the day.

In April 2014 a settlement agreement was reached in court, and Detroit had to pay $85 million to USB AG and Bank of America Corporation to terminate the swaps. The use of variable-rate instruments, such as swaps, to finance debt was the single "biggest contributing factor to the increase in Detroit's legacy expenses.

From 1942 until 1947, the Federal Reserve—at the behest of the Treasury Department—actively managed the government’s borrowing costs. Even as spending to fight World War II drove the federal deficit to more than 25 percent of GDP in 1943, interest rates trended lower. That’s because the Fed pegged the T-bill rate at 0.375 percent and held the rate on twenty-five-year bonds at 2.5 percent. As MMT economist L. Randall Wray put it, “the government can ‘borrow’ (issue bonds to the public) at any interest rate the central bank chooses to enforce. It is relatively easy for the central bank to peg the interest rate on short-term government debt instruments by standing ready to purchase it at a fixed price in unlimited quantities. This is precisely what the Fed did in the United States until 1951—providing banks with an interest-earning alternative to excess reserves, but at a very low rate of interest.

But by 1989–90, it became obvious that the majority of thrown materials didn’t fall into the reactor’s pit and didn’t fulfill their tasks. The combination of rated and measured curves should, most likely, be considered a result of the “hypnotic influence” of high science upon the results of incorrect measuring. Let’s consider some facts. The first one. Consider the Central Hall of the reactor. It’s covered by huge hills of thrown materials. This could be observed from the helicopters before completion of the Shelter that encased the reactor; and it was proved by the exploratory groups that got inside the hall after a long preparatory period. But this doesn’t exclude the fact that the major part of the materials landed in the reactor’s pit. The second fact. In the middle of 1988, with the help of optical instruments and TV cameras, researchers managed to see what was inside the pit of the reactor. They found practically no thrown materials. But here one can object that these materials fell into an area of extraordinarily high temperatures, and they melted and spread over the lower rooms of the reactor. Such a process could take place. On the lower floors, they did discover great accumulations of solid lava-like masses that contained nuclear fuel. The third fact. The presence of lead would indicate that those lava-like masses contained not only materials of the reactor itself—concrete, dolomite, sand, steel, zirconium, etc.—but also materials thrown from the helicopters. But there is no lead in the reactor and the nearest rooms, even though over two thousand tons of it was thrown in! After investigation of dozens of samples, it was found that the quantity of lead in the lava masses was too small. That meant the lead didn’t get into the pit. The other components of the thrown materials fell in such a small quantity, they couldn’t influence the behavior of the release. These are the known facts.

Whether playing an instrument or listening to the radio, music increases heart-rate variability, though making music has a stronger effect.4 Music engages most of the limbic system, including the hippocampus, anterior cingulate, and nucleus accumbens, which is why it can be motivating and enjoyable and can help regulate your emotions.5 It can also be soothing, lowering blood pressure6 and reducing stress.

We degrade Black minds every time we speak of an “academic-achievement gap” based on these numbers. The acceptance of an academic-achievement gap is just the latest method of reinforcing the oldest racist idea: Black intellectual inferiority. The idea of an achievement gap means there is a disparity in academic performance between groups of students; implicit in this idea is that academic achievement as measured by statistical instruments like test scores and dropout rates is the only form of academic “achievement.” There is an even more sinister implication in achievement-gap talk—that disparities in academic achievement accurately reflect disparities in intelligence among racial groups. Intellect is the linchpin of behavior, and the racist idea of the achievement gap is the linchpin of behavioral racism.

The use of standardized tests to measure aptitude and intelligence is one of the most effective racist policies ever devised to degrade Black minds and legally exclude Black bodies. We degrade Black minds every time we speak of an “academic-achievement gap” based on these numbers. The acceptance of an academic-achievement gap is just the latest method of reinforcing the oldest racist idea: Black intellectual inferiority. The idea of an achievement gap means there is a disparity in academic performance between groups of students; implicit in this idea is that academic achievement as measured by statistical instruments like test scores and dropout rates is the only form of academic “achievement.

If your needs are not attainable through safe instruments, the solution is not to increase the rate of return by upping the level of risk. Instead, goals may be revised, savings increased, or income boosted through added years of work. . . . Somebody has to care about the consequences if uncertainty is to be understood as risk. . . . As we’ve seen, the chances of loss do decline over time, but this hardly means that the odds are zero, or negligible, just because the horizon is long. . . . In fact, even though the odds of loss do fall over long periods, the size of potential losses gets larger, not smaller, over time. . . . The message to emerge from all this hype has been inescapable: In the long run, the stock market can only go up. Its ascent is inexorable and predictable. Long-term stock returns are seen as near certain while risks appear minimal, and only temporary. And the messaging has been effective: The familiar market propositions come across as bedrock fact. For the most part, the public views them as scientific truth, although this is hardly the case. It may surprise you, but all this confidence is rather new. Prevailing attitudes and behavior before the early 1980s were different. Fewer people owned stocks then, and the general popular attitude to buying stocks was wariness, not ebullience or complacency. . . . Unfortunately, the American public’s embrace of stocks is not at all related to the spread of sound knowledge. It’s useful to consider how the transition actually evolved—because the real story resists a triumphalist interpretation. . . . Excessive optimism helps explain the popularity of the stocks-for-the-long-run doctrine. The pseudo-factual statement that stocks always succeed in the long run provides an overconfident investor with more grist for the optimistic mill. . . . Speaking with the editors of Forbes.com in 2002, Kahneman explained: “When you are making a decision whether or not to go for something,” he said, “my guess is that knowing the odds won’t hurt you, if you’re brave. But when you are executing, not to be asking yourself at every moment in time whether you will succeed or not is certainly a good thing. . . . In many cases, what looks like risk-taking is not courage at all, it’s just unrealistic optimism. Courage is willingness to take the risk once you know the odds. Optimistic overconfidence means you are taking the risk because you don’t know the odds. It’s a big difference.” Optimism can be a great motivator. It helps especially when it comes to implementing plans. Although optimism is healthy, however, it’s not always appropriate. You would not want rose-colored glasses in a financial advisor, for instance. . . . Over the long haul, the more you are exposed to danger, the more likely it is to catch up with you. The odds don’t exactly add, but they do accumulate. . . . Yet, overriding this instinctive understanding, the prevailing investment dogma has argued just the reverse. The creed that stocks grow steadily safer over time has managed to trump our common-sense assumption by appealing to a different set of homespun precepts. Chief among these is a flawed surmise that, with the passage of time, downward fluctuations are balanced out by compensatory upward swings. Many people believe that each step backward will be offset by more than one step forward. The assumption is that you can own all the upside and none of the downside just by sticking around. . . . If you find yourself rejecting safe investments because they are not profitable enough, you are asking the wrong questions. If you spurn insurance simply because the premiums put a crimp in your returns, you may be destined for disappointment—and possibly loss.