Insure One Quotes

I called an insurance company to get a quote. They gave me one of Oscar Wilde’s best.

In a society in which nearly everybody is dominated by somebody else's mind or by a disembodied mind, it becomes increasingly difficult to learn the truth about the activities of governments and corporations, about the quality or value of products, or about the health of one's own place and economy. In such a society, also, our private economies will depend less and less upon the private ownership of real, usable property, and more and more upon property that is institutional and abstract, beyond individual control, such as money, insurance policies, certificates of deposit, stocks, and shares. And as our private economies become more abstract, the mutual, free helps and pleasures of family and community life will be supplanted by a kind of displaced or placeless citizenship and by commerce with impersonal and self-interested suppliers... Thus, although we are not slaves in name, and cannot be carried to market and sold as somebody else's legal chattels, we are free only within narrow limits. For all our talk about liberation and personal autonomy, there are few choices that we are free to make. What would be the point, for example, if a majority of our people decided to be self-employed? The great enemy of freedom is the alignment of political power with wealth. This alignment destroys the commonwealth - that is, the natural wealth of localities and the local economies of household, neighborhood, and community - and so destroys democracy, of which the commonwealth is the foundation and practical means.

To defend oneself against a fear is simply to insure that one will, one day, be conquered by it; fears must be faced.

‎I've put in so many enigmas and puzzles that it will keep the professors busy for centuries arguing over what I meant, and that is the only way of insuring one's immortality.

I tried to warn you, But girls never listen. Got your innocence insured? ’Cause it’s ’bout to be stolen Right out from under your nose. Prepare to curl your toes. I’ve got a one-track mind. You’ve got a nice behind. Chorus: I had a good thing goin’ All numb in my shell, Then you took me by surprise And now I’m scared as hell. I don’t wanna feel for you, I don’t wanna feel. If feeling means hurting, Then I don’t wanna be real. You crank up my lust, girl, You tame down my rage. You let your inner vixen Roam out of her cage. The moment our lips met I saw it in your eyes, But you were seeing me, too, I now realize. Chorus What do I want from you? I want everything. And I’m not gonna share— This ain’t a casual fling. You can be my bad girl, I’ll even be your good boy. How’d the tables get turned? F*** it, I’ll be your love toy.

When we speak of man, we have a conception of humanity as a whole, and before applying scientific methods to the investigation of his movement we must accept this as a physical fact. But can anyone doubt to-day that all the millions of individuals and all the innumerable types and characters constitute an entity, a unit? Though free to think and act, we are held together, like the stars in the firmament, with ties inseparable. These ties cannot be seen, but we can feel them. I cut myself in the finger, and it pains me: this finger is a part of me. I see a friend hurt, and it hurts me, too: my friend and I are one. And now I see stricken down an enemy, a lump of matter which, of all the lumps of matter in the universe, I care least for, and it still grieves me. Does this not prove that each of us is only part of a whole? For ages this idea has been proclaimed in the consummately wise teachings of religion, probably not alone as a means of insuring peace and harmony among men, but as a deeply founded truth. The Buddhist expresses it in one way, the Christian in another, but both say the same: We are all one. Metaphysical proofs are, however, not the only ones which we are able to bring forth in support of this idea. Science, too, recognizes this connectedness of separate individuals, though not quite in the same sense as it admits that the suns, planets, and moons of a constellation are one body, and there can be no doubt that it will be experimentally confirmed in times to come, when our means and methods for investigating psychical and other states and phenomena shall have been brought to great perfection. Still more: this one human being lives on and on. The individual is ephemeral, races and nations come and pass away, but man remains. Therein lies the profound difference between the individual and the whole.

I believe that the place where an animal dies is a sacred one. There is a need to bring ritual into the conventional slaughter plants and use as a means to shape people's behavior. It would help prevent people from becoming numbed, callous, or cruel. The ritual could be something very simple, such as a moment of silence. In addition to developing better designs and making equipment to insure the humane treatments of all animals, that would be my contribution.

Life insurance is a dying industry.

Those who are courageous, go headlong. They search all opportunities of danger. Their life philosophy is not that of insurance companies. Their life philosophy is that of a mountain climber, a glider, a surfer. And not only in the outside seas they surf; they surf in their innermost seas. And not only on the outside they climb Alps and Himalayas; they seek inner peaks. But remember one thing: never forget the art of risking— never, never. Always remain capable of risking. Wherever you can find an opportunity to risk, never miss it, and you will never be a loser. Risk is the only guarantee for being truly alive.

Going to university is only one avenue to gain knowledge. There are others. A degree isn't insurance against ignorance.

Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the welder, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist.

We paid for this instead of a generation of health insurance, or an alternative energy grid, or a brand-new system of roads and highways. With the $13-plus trillion we are estimated to ultimately spend on the bailouts, we could not only have bought and paid off every single sub-prime mortgage in the country (that would only have cost $1.4 trillion), we could have paid off every remaining mortgage of any kind in this country - and still have had enough money left over to buy a new house for every American who does not already have one.

Death is liberating only if one has planned for it. But I think no one truly does, except for a few people with suicidal inclinations, or perhaps, deeply content wandering ascetics. For most of us mortals, life insurance is the one thing that gives us the reassurance of planning well for the event of our death.

A NATION'S GREATNESS DEPENDS ON ITS LEADER To vastly improve your country and truly make it great again, start by choosing a better leader. Do not let the media or the establishment make you pick from the people they choose, but instead choose from those they do not pick. Pick a leader from among the people who is heart-driven, one who identifies with the common man on the street and understands what the country needs on every level. Do not pick a leader who is only money-driven and does not understand or identify with the common man, but only what corporations need on every level. Pick a peacemaker. One who unites, not divides. A cultured leader who supports the arts and true freedom of speech, not censorship. Pick a leader who will not only bail out banks and airlines, but also families from losing their homes -- or jobs due to their companies moving to other countries. Pick a leader who will fund schools, not limit spending on education and allow libraries to close. Pick a leader who chooses diplomacy over war. An honest broker in foreign relations. A leader with integrity, one who says what they mean, keeps their word and does not lie to their people. Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist. Pick a leader who will keep jobs in your country by offering companies incentives to hire only within their borders, not one who allows corporations to outsource jobs for cheaper labor when there is a national employment crisis. Choose a leader who will invest in building bridges, not walls. Books, not weapons. Morality, not corruption. Intellectualism and wisdom, not ignorance. Stability, not fear and terror. Peace, not chaos. Love, not hate. Convergence, not segregation. Tolerance, not discrimination. Fairness, not hypocrisy. Substance, not superficiality. Character, not immaturity. Transparency, not secrecy. Justice, not lawlessness. Environmental improvement and preservation, not destruction. Truth, not lies. Most importantly, a great leader must serve the best interests of the people first, not those of multinational corporations. Human life should never be sacrificed for monetary profit. There are no exceptions. In addition, a leader should always be open to criticism, not silencing dissent. Any leader who does not tolerate criticism from the public is afraid of their dirty hands to be revealed under heavy light. And such a leader is dangerous, because they only feel secure in the darkness. Only a leader who is free from corruption welcomes scrutiny; for scrutiny allows a good leader to be an even greater leader. And lastly, pick a leader who will make their citizens proud. One who will stir the hearts of the people, so that the sons and daughters of a given nation strive to emulate their leader's greatness. Only then will a nation be truly great, when a leader inspires and produces citizens worthy of becoming future leaders, honorable decision makers and peacemakers. And in these times, a great leader must be extremely brave. Their leadership must be steered only by their conscience, not a bribe.

Satanists are encouraged to indulge in the seven deadly sins, as they need hurt no one; they were only invented by the Christian Church to insure guilt on the part of its followers. The Christian Church knows that it is impossible for anyone to avoid committing these sins, as they are all things which we, being human, most naturally do. After inevitably committing these sins financial offerings to the church in order to "pay off" God are employed as a sop to the parishioner's conscience!

He was a simple honest man. He never strayed, He never drank, he never smoked, and he never kissed a maid. And when he passed away his insurance was denied, Because he never lived, they claimed he never died.

If there is one thing I'd learned about hospitals, it's that they aren't interested in healing you. They are interested in stabilizing you, and then everyone is supposed to move on. They go to stabilize some more people, and you go off to do whatever you do. Healing, if it happens at all, is done on your own, long after the hospital has submitted your final insurance paperwork.

You know, nothing is stronger than blood bonds. What else is the reason for the success of life insurance policies? Why bother with what happens to your blood relatives after your death? After all, you stop existing. Why then bother about what is happening to your kids, and why be concerned about what is happening on Earth even? Well, it’s because, after one’s final exit, one lives through one’s children.

People who will not turn a shovel full of dirt on the project nor contribute a pound of material, will collect more money from the United States than will the People who supply all the material and do all the work. This is the terrible thing about interest ...But here is the point: If the Nation can issue a dollar bond it can issue a dollar bill. The element that makes the bond good makes the bill good also. The difference between the bond and the bill is that the bond lets the money broker collect twice the amount of the bond and an additional 20%. Whereas the currency, the honest sort provided by the Constitution pays nobody but those who contribute in some useful way. It is absurd to say our Country can issue bonds and cannot issue currency. Both are promises to pay, but one fattens the usurer and the other helps the People. If the currency issued by the People were no good, then the bonds would be no good, either. It is a terrible situation when the Government, to insure the National Wealth, must go in debt and submit to ruinous interest charges at the hands of men who control the fictitious value of gold.

You told me trees could speak and the only reason one heard silence in the forest was that they had all been born knowing different languages. That night I went into the forest to bury dictionaries under roots, so many books in so many tongues as to insure speech. and now this very moment, the forest seems alive with whispers and murmurs and rumblings of sound wind-rushed into my ears. I do not speak any language that crosses the silence around me but how soothing to know that the yearning and grasping embodied in trees’ convoluted and startling shapes is finally being fulfilled in their wind shouts to each other. Yet we who both speak English and have since we were born are moving ever farther apart even as branch tips touch.

For was that all, she thought bleakly, that love ever was? Something that saved one from loneliness? A sort of insurance policy against not counting?

I needed a vacation. I needed 5 women. I needed to get the wax out of my ears. My car needed an oil change. I'd failed to file my damned income tax. One of the stems had broken off of my reading glasses. There were ants in my apartment. I needed to get my teeth cleaned. My shoes were run down at the heels. I had insomnia. My auto insurance had expired. I cut myself every time i shaved. I hadn't laughed in 6 years. I tended to worry when there was nothing to worry about. And when there was something to worry about, i got drunk.

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn't afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes--there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way--she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

Admirable,” Astaroth had once said. “We could stand to learn a few things about ruthless manipulation and one-sided bargains from American healthcare insurers.

The data don’t lie: a Chicago street prostitute is more likely to have sex with a cop than to be arrested by one.

I know how it goes! We all age out of our parents' insurance, and all of a sudden your friends stop having time to hang out because they have a person and that's their best friend now, and they have a kid, and they move to the suburbs and you never see them again because you're a lonely old spinster-

Pick a leader who will not only bail out banks and airlines, but also families from losing their homes -- or jobs due to their companies moving to other countries. Pick a leader who will fund schools, not limit spending on education and allow libraries to close. Pick a leader who chooses diplomacy over war. An honest broker in foreign relations. A leader with integrity, one who says what they mean, keeps their word and does not lie to their people. Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist.

One of the first things we teach medical students is to listen to the patient by taking a careful medical history. Ninety percent of the time, you can arrive at an uncannily accurate diagnosis by paying close attention, using physical examination and sophisticated lab test to confirm your hunch (and to increase the bill to the insurance company).

One of my big revelations was that nobody cares whether you write your novel or not. They want you to be happy. Your parents want you to have health insurance. Your friends want you to be a good friend. But everyone’s thinking about their own problems and nobody wakes up in the morning thinking, ‘Boy, I sure hope Sam finishes that chapter and gets one step closer to his dream of being a working writer.’ Nobody does that. If you want to write, it has to come from you. If you don’t want to write, that’s great. Go do something else. That was a very liberating moment for me.

Usually I spare myself from the news, because if it’s not propaganda, then it’s one threat or another exaggerated to the point of absurdity, or it’s the tragedy of storm-quake-tsunami, of bigotry and oppression misnamed justice, of hatred passed off as righteousness and honor called dishonorable, all jammed in around advertisements in which a gecko sells insurance, a bear sells toilet tissue, a dog sells cars, a gorilla sells investment advisers, a tiger sells cereal, and an elephant sells a drug that will improve your lung capacity, as if no human being in America any longer believes any other human being, but trusts only the recommendations of animals.

I Philo, educating yourself was something you had to do in spite if school, not because of it -- which is basically why so many of my high school peers are still there in Philo even now, selling one another insurance, drinking supermarket liquor, watching television, awaiting the formality of their first cardiac.

Jesus didn’t die to keep us safe. He died to make us dangerous. Faithfulness is not holding the fort. It’s storming the gates of hell. The will of God is not an insurance plan. It’s a daring plan. The complete surrender of your life to the cause of Christ isn’t radical. It’s normal. It’s time to quit living as if the purpose of life is to arrive safely at death. It’s time to go all in and all out for the All in All. Pack your coffin!

I had no idea that marriage was only supposed to be between two people who wanted to get between the sheets and make more people. What ever happened to marrying for love— or to get on your partner’s health insurance policy, or for presents? No one was going to buy two people in their thirties a four-slice toaster if we just continued to live in sin.

But if you judge safety to be the paramount consideration in life you should never, under any circumstances, go on long hikes alone. Don’t take short hikes alone, either – or, for that matter, go anywhere alone. And avoid at all costs such foolhardy activities as driving, falling in love, or inhaling air that is almost certainly riddled with deadly germs. Wear wool next to the skin. Insure every good and chattel you possess against every conceivable contingency the future might bring, even if the premiums half-cripple the present. Never cross an intersection against a red light, even when you can see all roads are clear for miles. And never, of course, explore the guts of an idea that seems as if it might threaten one of your more cherished beliefs. In your wisdom you will probably live to be a ripe old age. But you may discover, just before you die, that you have been dead for a long, long time.

The Buddha referred to married people as “householders.” He even gave clear instructions as to how one should be a good householder: Be nice to your spouse, be honest, be faithful, give alms to the poor, buy some insurance against fire and flood . . . I’m dead serious: The Buddha literally advised married couples to buy property insurance.

The Constitution says: "We, the people of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defence, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity do ordain and establish this Constitution for the United States of America." The meaning of this is simply We, the people of the United States, acting freely and voluntarily as individuals, consent and agree that we will cooperate with each other in sustaining such a government as is provided for in this Constitution. The necessity for the consent of "the people" is implied in this declaration. The whole authority of the Constitution rests upon it. If they did not consent, it was of no validity. Of course it had no validity, except as between those who actually consented. No one's consent could be presumed against him, without his actual consent being given, any more than in the case of any other contract to pay money, or render service. And to make it binding upon any one, his signature, or other positive evidence of consent, was as necessary as in the case of any other-contract. If the instrument meant to say that any of "the people of the United States" would be bound by it, who did not consent, it was a usurpation and a lie. The most that can be inferred from the form, "We, the people," is, that the instrument offered membership to all "the people of the United States;" leaving it for them to accept or refuse it, at their pleasure.

I only have one condition,” she warned. Was it the moon she wanted me to give her? I was open to that. I’d give her the sun, too. I just needed a little time, and maybe a loan or two. And definitely good life insurance

If a person leads an ‘active’ life, as Wiggs had, if a person has goals, ideals, a cause to fight for, then that person is distracted, temporarily, from paying a whole lot of attention to the heavy scimitar that hangs by a mouse hair just about his or her head. We, each of us, have a ticket to ride, and if the trip be interesting (if it’s dull, we have only ourselves to blame), then we relish the landscape (how quickly it whizzes by!), interact with our fellow travelers, pay frequent visits to the washrooms and concession stands, and hardly ever hold up the ticket to the light where we can read its plainly stated destination: The Abyss. Yet, ignore it though we might in our daily toss and tussle, the fact of our impending death is always there, just behind the draperies, or, more accurately, inside our sock, like a burr that we can never quite extract. If one has a religious life, one can rationalize one’s slide into the abyss; if one has a sense of humor (and a sense of humor, properly developed, is superior to any religion so far devised), one can minimalize it through irony and wit. Ah, but the specter is there, night and day, day in and day out, coloring with its chalk of gray almost everything we do. And a lot of what we do is done, subconsciously, indirectly, to avoid the thought of death, or to make ourselves so unexpendable through our accomplishments that death will hesitate to take us, or, when the scimitar finally falls, to insure that we ‘live on’ in the memory of the lucky ones still kicking.

Seeing modern health care from the other side, I can say that it is clearly not set up for the patient. It is frequently a poor arrangement for doctors as well, but that does not mitigate how little the system accounts for the patient's best interest. Just when you are at your weakest and least able to make all the phone calls, traverse the maze of insurance, and plead for health-care referrals is that one time when you have to — your life may depend on it.

For an organization devoted to revolutionary holy war, the pre-9/11 al-Qaeda sometimes had the feel of an insurance company, albeit a heavily armed one.

Insure your reading is in alignment with your goals. Read everything you can find on your goals and your profession. It's the best investment you can make.

Nature doesn’t have puts on one side and calls on the other side of the same things, nor does it waste energy betting against the same life it works to cultivate. Nature doesn’t insure high risk gambles by trying to be both the casino and the player. Instead, nature insures capital and profits through a variety of complimentary approaches. At Mayflower-Plymouth we aim to emulate nature in this way with how we approach investing and asset management.

Losing money at the casino would at least leave you with the memory of enjoying one's self at the moment. Handing pure cash to the many forms of insurance every month should leave anyone bitter with the smallest amount of brain

They call themselves conservatives but that’s not it, either. They don’t want to conserve what we now have. They’d rather take the country backwards – before the 1960s and 1970s, and the Environmental Protection Act, Medicare, and Medicaid; before the New Deal, and its provision for Social Security, unemployment insurance, the forty-hour workweek, and official recognition of trade unions; even before the Progressive Era, and the first national income tax, antitrust laws, and Federal Reserve. They’re not conservatives. They’re regressives. And the America they seek is the one we had in the Gilded Age of the late nineteenth century.

Amy ran on sugar, caffeine, and pain pills, and would sacrifice an entire night of sleep to level up a character in one of her games. The people with health insurance get antidepressants and Adderall, the rich get cocaine, the clean-living Christians settle for mug after mug of coffee and all-you-can-eat buffets. The reality is that society had gotten too fast, noisy, and stressful for the human brain to process and everybody was ingesting something to either keep up or dull the shame of falling behind. For those few who truly live clean, well, it’s the self-righteousness that gets them high.

I had to make water ” I said. It was the classic female excuse and no male in recorded history had ever questioned it. “I see ” the Inspector said and left it at that. Later I would have a quick piddle behind the caravan for insurance purposes. No one would be any the wiser.

They gave me drugs and told me to see a gallbladder specialist to make sure the stone had passed. I told them that hamsters can only blink one eye at a time. I considered this a fair trade but they billed my insurance company anyway.

[The wives of powerful noblemen] must be highly knowledgeable about government, and wise – in fact, far wiser than most other such women in power. The knowledge of a baroness must be so comprehensive that she can understand everything. Of her a philosopher might have said: "No one is wise who does not know some part of everything." Moreover, she must have the courage of a man. This means that she should not be brought up overmuch among women nor should she be indulged in extensive and feminine pampering. Why do I say that? If barons wish to be honoured as they deserve, they spend very little time in their manors and on their own lands. Going to war, attending their prince's court, and traveling are the three primary duties of such a lord. So the lady, his companion, must represent him at home during his absences. Although her husband is served by bailiffs, provosts, rent collectors, and land governors, she must govern them all. To do this according to her right she must conduct herself with such wisdom that she will be both feared and loved. As we have said before, the best possible fear comes from love. When wronged, her men must be able to turn to her for refuge. She must be so skilled and flexible that in each case she can respond suitably. Therefore, she must be knowledgeable in the mores of her locality and instructed in its usages, rights, and customs. She must be a good speaker, proud when pride is needed; circumspect with the scornful, surly, or rebellious; and charitably gentle and humble toward her good, obedient subjects. With the counsellors of her lord and with the advice of elder wise men, she ought to work directly with her people. No one should ever be able to say of her that she acts merely to have her own way. Again, she should have a man's heart. She must know the laws of arms and all things pertaining to warfare, ever prepared to command her men if there is need of it. She has to know both assault and defence tactics to insure that her fortresses are well defended, if she has any expectation of attack or believes she must initiate military action. Testing her men, she will discover their qualities of courage and determination before overly trusting them. She must know the number and strength of her men to gauge accurately her resources, so that she never will have to trust vain or feeble promises. Calculating what force she is capable of providing before her lord arrives with reinforcements, she also must know the financial resources she could call upon to sustain military action. She should avoid oppressing her men, since this is the surest way to incur their hatred. She can best cultivate their loyalty by speaking boldly and consistently to them, according to her council, not giving one reason today and another tomorrow. Speaking words of good courage to her men-at-arms as well as to her other retainers, she will urge them to loyalty and their best efforts.

Many of life's decisions are hard. What kind of career should you pursue? Does your ailing mother need to be put in a nursing home? You and your spouse already have two kids; should you have a third? such decisions are hard for a number of reasons. For one the stakes are high. There's also a great deal of uncertainty involved. Above all, decisions like these are rare, which means you don't get much practice making them. You've probably gotten good at buying groceries, since you do it so often, but buying your first house is another thing entirely.

Faith in God offers no insurance against tragedy. Nor does it offer insurance against feelings of doubt and betrayal. If anything, being a Christian complicates the issue. If you believe in a world of pure chance, what difference does it make whether a bus from Yuba City or one from Salina crashes? But if you believe in a world ruled by a powerful God who loves you tenderly, then it makes an awful difference.

Everyday I feel more and more like a full-fledged adult. Even though it was (metaphorically) only yesterday I was sloshing in the door at four a.m. after Dollar Beer Night, I find myself with a mortgage, four types of insurance, and a non-laundry-quarter-based retirement fund.

Lucy showed her the tiny imperfection purposely woven into the warp of one corner. Sue knew this almost imperceptible thread at the lower corner of the blanket was done to allow the weavers spirit to escape the piece, insuring she could detach her spirit from it and let it go. It was thought the weaver became part of the piece during the creation. It was a tradition common in most Navajo art.

He wondered about the people in houses like those. They would be, for example, small clerks, shop-assistants, commercial travellers, insurance touts, tram conductors. Did they know that they were only puppets dancing when money pulled the strings? You bet they didn’t. And if they did, what would they care? They were too busy being born, being married, begetting, working, dying. It mightn’t be a bad thing, if you could manage it, to feel yourself one of them, one of the ruck of men. Our civilization is founded on greed and fear, but in the lives of common men the greed and fear are mysteriously transmuted into something nobler. The lower-middle-class people in there, behind their lace curtains, with their children and their scraps of furniture and their aspidistras — they lived by the money-code, sure enough, and yet they contrived to keep their decency. The money-code as they interpreted it was not merely cynical and hoggish. They had their standards, their inviolable points of honour. They ‘kept themselves respectable’— kept the aspidistra flying. Besides, they were alive. They were bound up in the bundle of life. They begot children, which is what the saints and the soul-savers never by any chance do. The aspidistra is the tree of life, he thought suddenly.

For me, the future was a complete paradox. One one hand [..] teachers were pushing that 'know what you want to do for the rest of your life' attitude. Yet, on the other hand I wanted to stay a kid. Parents and teachers were so intimidating when they talked about the 'real world' and taxes and mortgages and bills and insurance. With freedom comes responsibility and I wasn't sure if I was ready for all that.

Neil counted it off on his fingers. "Kevin told them Coach is his father, said he's never going back to Edgar Allan, and called the Ravens out as two-faced assholes. Oh," he said, looking up from his hand, "and he said his injury wasn't an accident. Not in so many words, but it won't take them long to figure out what he meant." Dan gaped. "He what?" "Great," Wymack said. "He's turning into another you. That's just what I needed." "At least you can legally take out life insurance on one of them," Nicky said. "Out," Wymack said.

Tentacles is my term — the Tentacles are the evil tasks that invade my life. Like, for example, my American History class last week, which necessitated me writing a paper on the weapons of the Revolutionary war, which necessitated me traveling to the Metropolitan Museum to check out some of the old guns, which necessitated me getting the subway, which necessitated me being away from my cell phone and email for 45 minutes, which meant that I didn’t get to respond to a mass mail sent out by my teacher asking who needed extra credit, which meant other kids snapped up the extra credit, which meant I wasn’t going to get a 98 in the class, which meant I wasn’t anywhere close to a 98.6 average (body temperature, that’s what you needed to get), which meant I wasn’t going to get into a Good College, which meant I wasn’t going to have a Good Job, which meant I wasn’t going to have health insurance, which meant I’d have to pay tremendous amounts of money for the shrinks and drugs my brain needed, which meant I wasn’t going to have enough money to pay for a Good Lifestyle, which meant I’d feel ashamed, which meant I’d get depressed, and that was the big one because I knew what that did to me: it made it so I wouldn’t get out of bed, which led to the ultimate thing — homelessness. If you can’t get out of bed for long enough, people come and take your bed away.

There was a very cautious man Who never laughed or played. He never risked, he never tried, He never sang or prayed. And when one day he passed away, His insurance was denied. For since he never really lived, They claimed he never really died.

He smiled at the sudden image of Prometheus tossing cars from one side of the bridge to the other to build his barrier. He heard the tiny tinkle of glass and wondered if being tossed across the Golden Gate Bridge by an Elder was covered by insurance.

Fate, they say, fate- the clay that molds the events of your life, and it was the same fate that had thrown the stone of her heart on the building of his expectations. But then wasn't it his fault that he had constructed the building of glass? Hadn't he failed to cement the bricks of his love with trust and colour them with security? There was no insurance for broken hearts, no ointment for wounded souls and there would never be one, he knew.

That night, I continued my on-going chat with God. “Did Pam’s prayer count? I love her. And I understand her wanting a ticket to heaven, but her prayer seemed more like fire insurance against hell than a heartfelt desire to hang out with You.”    “Don’t worry.” God smiled. “No one comes to me with pure motives.”    Wow! I thought for a minute. “You really do love us, don’t You?”    “I do.

My Father, the Age I Am Now Time, which diminishes all things, increases understanding for the aging. —PLUTARCH My mother was the star: Smart and funny and warm, A patient listener and an easy laugher. My father was . . . an accountant: Not one to look up to, Ask advice from, Confide in. A man of few words. We faulted him—my mother, my sister, and I, For being this dutiful, uninspiring guy Who never missed a day of work, Or wondered what our dreams were. Just . . . an accountant. Decades later, My mother dead, my sister dead, My father, the age I am now, Planning ahead in his so-accountant way, Sent me, for my records, Copies of his will, his insurance policies, And assorted other documents, including The paid receipt for his cemetery plot, The paid receipt for his tombstone, And the words that he had chosen for his stone. And for the first time, shame on me, I saw my father: Our family’s prime provider, only provider. A barely-out-of-boyhood married man Working without a safety net through the Depression years That marked him forever, Terrified that maybe he wouldn’t make it, Terrified he would fall and drag us down with him, His only goal, his life-consuming goal, To put bread on our table, a roof over our head. With no time for anyone’s secrets, With no time for anyone’s dreams, He quietly earned the words that made me weep, The words that were carved, the following year, On his tombstone: HE TOOK CARE OF HIS FAMILY.

Time travel? I believe there are people regularly travelling back from the future and interfering with our lives on a daily basis. The evidence is all around us. I’m talking about how every time we make an insurance claim we discover that somehow mysteriously the exact thing we’re claiming for is now precisely excluded from our policy.

I do have a sneaking admiration for anyone who has the intelligence to plan a ‘job’ properly and the courage to carry it out. As long as no one gets hurt and the target is a bank or an insurance company.

You will even read about an insurance company owned by one of America’s most admired billionaires that asked a paralyzed man to die because the cost of keeping him alive was cutting into the insurer’s profits.

Our “selves”, our “being”, our “ego”, our “soul”, our individuality, our personality, … is only our mind continuously adapting to its environment to insure survival and well-being, working with whatever inherited predispositions (formed by previous generations of minds adapting to their environment) it has to work with. If we could only make our beautiful mind come in contact with the facts, ALL the facts… , we could trust it with the rest, ALL the rest. Our beautiful mind will always do the right thing. Always. The thing is to find the facts. ALL the facts. Not one less.

If you find a stock with little or no institutional ownership, you’ve found a potential winner. Find a company that no analyst has ever visited, or that no analyst would admit to knowing about, and you’ve got a double winner. When I talk to a company that tells me the last analyst showed up three years ago, I can hardly contain my enthusiasm. It frequently happens with banks, savings-and-loans, and insurance companies, since there are thousands of these and Wall Street only keeps up with fifty to one hundred.

I divested myself of despair and fear when I came here. Now there is no more catching one's own eye in the mirror, there are no bad books, no plastic, no insurance premiums, and of course no illness. Contrition does not exist, nor gnashing of teeth. No one howls as the first clod of earth hits the casket. The poor we no longer have with us. Our calm hearts strike only the hour, and God, as promised, proves to be mercy clothed in light.

The narcissist has to defend himself against his own premonitions, his internal sempiternal trial, his guilt, shame, and anxiety. One of the more efficacious defense mechanisms at his disposal is false modesty. The narcissist publicly chastises himself for being unworthy, unfit, lacking, not trained and not (formally) schooled, not objective, cognizant of his own shortcomings, and vain. This way, if (or, rather, when) exposed for what he is, he can always say: "But I told you so in the first place, haven't I?" False modesty is, thus, an insurance policy. The narcissist "hedges his bets" by placing a side bet on his own fallibility… Yet another function is to extract Narcissistic Supply from the listener. By contrasting his own self-deprecation with a brilliant, dazzling display of ingenuity, wit, intellect, knowledge, or beauty, the narcissist aims to secure .. protestation from the listener.

But whoever seriously considers the immense extent of territory comprehended within the limits of the United States, together with the variety of its climates, productions, and commerce, the difference of extent, and number of inhabitants in all; the dissimilitude of interest, morals, and politics, in almost every one, will receive it as an intuitive truth, that a consolidated republican form of government therein, can never form a perfect union, establish justice, insure domestic tranquility, promote the general welfare, and secure the blessings of liberty to you and your posterity, for to these objects it must be directed. This unkindred legislature therefore, composed of interests opposite and dissimilar in their nature, will in its exercise, emphatically be like a house divided against itself.

Within a democratic system, general elections are a most effective instrument to insure the steady maintenance of fraction σ among the powerful. One has to keep in mind that according to the Second Basic Law, the fraction σ of the voting population are stupid people and elections offer to all of them at once a magnificent opportunity to harm everybody else without gaining anything from their action. They do so by contributing to the maintenance of the σ level among those in power.

The Doctor. He grabbed hold of Rory's ankle, dragging him protesting out from under the table. 'Rory!' he grinned, wrapping him in an enourmous bear hug that squeezed the breath out of him. 'I've been you!' 'Right,' mumbled Rory. 'You've had a gorgeous time, I bet.' 'Not... especially, no.' The Doctor stepped back, his eyes were wide and dancing. 'Did you escape from any monsters? Did you set anything on fire? I'm always doing that. Honestly, one minute it's Tell Me Your Plans, the next it's BOOOM! My insurance premiums are terrible... Anyhow, you're all back to normal, yes?' 'Yes.' Rory was ever so tight-lipped. The Doctor nudged him with his elbow. 'Go on then. What was it like being me? Wasn't it just a bit brilliant? Did it open up your tiny mind?' Rory looked a little ill. 'It's nice to be me, actually. I'm not a hero... And what was it like being me?' he asked. The Doctor tugged at his braces, embarrassed. 'Oh, don't apologize - I'm sure I'll get over it.

Historically one of the main defects of constitutional government has been the failure to insure the fair value of political liberty. The necessary corrective steps have not been taken, indeed, they never seem to have been seriously entertained. Disparities in the distribution of property and wealth that far exceed what is compatible with political equality have generally been tolerated by the legal system. Public resources have not been devoted to maintaining the institutions required for the fair value of political liberty. Essentially the fault lies in the fact that the democratic political process is at best regulated rivalry; it does not even in theory have the desirable properties that price theory ascribes to truly competitive markets. Moreover, the effects of injustices in the political system are much more grave and long lasting than market imperfections. Political power rapidly accumulates and becomes unequal; and making use of the coercive apparatus of the state and its law, those who gain the advantage can often assure themselves of a favored position. Thus inequities in the economic and social system may soon undermine whatever political equality might have existed under fortunate historical conditions. Universal suffrage is an insufficient counterpoise; for when parties and elections are financed not by public funds but by private contributions, the political forum is so constrained by the wishes of the dominant interests that the basic measures needed to establish just constitutional rule are seldom properly presented. These questions, however, belong to political sociology. 116 I mention them here as a way of emphasizing that our discussion is part of the theory of justice and must not be mistaken for a theory of the political system. We are in the way of describing an ideal arrangement, comparison with which defines a standard for judging actual institutions, and indicates what must be maintained to justify departures from it.

All right, he told the snake. I’ll tell you what I’m goin to do. I’m fixin to let you go. But the only people you can go into the world and bite are my enemies. Folks with guns and badges, khaki britches. Prison guards with shotguns. Lawyers, no limit on them. Maybe an undertaker or a insurance salesman every now and then. But no kids. No kids and no folks just tryin to scratch out a livin. You bite one of them, just one, and it’s me and you, I’ll be on your ass like a plague, I’ll finish what I started.

Information is the currency of the Internet. As a medium, the Internet is brilliantly efficient at shifting information from the hands of those who have it into the hands of those who do not. Often, as in the case of term life insurance prices, the information existed but in a woefully scattered way. (In such instances, the Internet acts like a gigantic horseshoe magnet waved over an endless sea of haystacks, plucking the needle out of each one.) The Internet has accomplished what even the most fervent consumer advocates usually cannot: it has vastly shrunk the gap between the experts and the public.

My son, there is no reason to be distraught. The leeches will cleanse your wound." The friar scratched one of his enormous ears with the tweezers. "My insurance doesn't cover freaky friars or leeches." Troy sat up and swung his legs over the cot. A strip of cloth was wrapped around his gray tights, just above his left knee. A dark red stain had spread across the strip. "When my agent finds out you've kept me here, instead of taking me to a hospital, he'll cram a lawsuit up your butt so fast you'll be the one who's...distraught.

No country without a revolution or a military defeat and subsequent occupation has ever experienced such a sharp a shift in the distribution of earnings as America has in the last generation. At no other time have median wages of American men fallen for more than two decades. Never before have a majority of American workers suffered real wage reductions while the per capita domestic product was advancing. Beside falling real wages, America's other economic problems pale into insignificance. The remedies lie in major public and private investments in research and development and in creating skilled workers to insure that tomorrow's high-wage, brain-power industries generate much of their employment in the United States. Yet if one looks at the weak policy proposals of both Democrats and Republicans, ‘it is a tale, told by an idiot, full of sound and fury, signifying nothing.

The worst continued to worsen. What looked one day like the end proved on the next day to have been only the beginning. Nothing could have been more ingeniously designed to maximize the suffering, and also to insure that as few people as possible escape the common misfortune. The fortunate speculator who had funds to answer the first margin call presently got another and equally urgent one, and if he met that there would still be another. In the end all the money he had was extracted from him and lost. The man with the smart money, who was safely out of the market when the first crash came, naturally went back in to pick up bargains. The bargains then suffered a ruinous fall. Even the man who waited for volume of trading to return to normal and saw Wall Street become as placid as a produce market, and who then bought common stocks would see their value drop to a third or a fourth of the purchase price in the next 24 months. The Coolidge bull market was a remarkable phenomenon. The ruthlessness of its liquidation was, in its own way, equally remarkable.

The insurance companies involved had all claimed that this was, by any reasonable standards, an act of God. But, Dirk had argued, which god? Britain was constitutionally a Christian monotheistic state, and therefore any “act of God” defined in a legal document must refer to the Anglican chap in the stained glass and not to some polytheistic thug from Norway.

All who are not lunatics are agreed about certain things. That it is better to be alive than dead, better to be adequately fed than starved, better to be free than a slave. Many people desire those things only for themselves and their friends; they are quite content that their enemies should suffer. These people can be refuted by science: mankind has become so much one family that we cannot insure our own prosperity except by insuring that of everyone else. If you wish to be happy yourself, you must resign yourself to seeing others also happy.

I, as an anarch, renouncing any bond, any limitation of freedom, also reject compulsory education as nonsense. It was one of the greatest well-springs of misfortune in the world. Compulsory schooling is essentially a means of curtailing natural strength and exploiting people. The same is true of military conscription, which developed within the same context. The anarch rejects both of them - just like obligatory vaccination and insurance of all kinds. He has reservations when swearing an oath. He is not a deserter, but a conscientious objector.

The insistence that healthcare finance must be obtuse, that we must be condemned to illness because of an untranslatable series of runes and glyphs accessible only to a specialized wonk class—that it just has to be hard and thus anything that isn’t hard isn’t a solution—is a kind of epistemic violence against us non-wonk humans.*4 It is a lack of ambition, disguised as pragmatism. So let’s start simple. Here’s single-payer in one sentence: we pool the money we already pay to insurance companies and use it to insure everyone, in full, with no cost-sharing.

Sonny had a quintuple bypass in 2003, when he was fifty-six years old—the last thing he remembered before falling unconscious under the anesthesia was a doctor standing over him saying his mother’s cells were one of the most important things that had ever happened to medicine. Sonny woke up more than $125,000 in debt because he didn’t have health insurance to cover the surgery.

Society never advances. It recedes as fast on one side as it gains on the other. It undergoes continual changes; it is barbarous, it is civilized, it is christianized, it is rich, it is scientific; but this change is not amelioration. For every thing that is given, something is taken. Society acquires new arts, and loses old instincts. What a contrast between the well-clad, reading, writing, thinking American, with a watch, a pencil, and a bill of exchange in his pocket, and the naked New Zealander, whose property is a club, a spear, a mat, and an undivided twentieth of a shed to sleep under! But compare the health of the two men, and you shall see that the white man has lost his aboriginal strength. If the traveller tell us truly, strike the savage with a broad axe, and in a day or two the flesh shall unite and heal as if you struck the blow into soft pitch, and the same blow shall send the white to his grave. The civilized man has built a coach, but has lost the use of his feet. He is supported on crutches, but lacks so much support of muscle. He has a fine Geneva watch, but he fails of the skill to tell the hour by the sun. A Greenwich nautical almanac he has, and so being sure of the information when he wants it, the man in the street does not know a star in the sky. The solstice he does not observe; the equinox he knows as little; and the whole bright calendar of the year is without a dial in his mind. His note-books impair his memory; his libraries overload his wit; the insurance-office increases the number of accidents; and it may be a question whether machinery does not encumber; whether we have not lost by refinement some energy, by a Christianity entrenched in establishments and forms, some vigor of wild virtue. For every Stoic was a Stoic; but in Christendom where is the Christian?

(It’s sad—but not surprising—that teeth have become a status symbol in a country where more than one in three citizens lack dental coverage, which isn’t included with standard medical insurance.)

mad at me. For Dad, parenting has become just like shooting one of his stupid insurance ads-some makeup to cover the blemishes, a flashy smile, and wham! He's got himself a regular picture-perfect family.

When the solution to a given problem doesn’t lay right before our eyes, it is easy to assume that no solution exists. But history has shown again and again that such assumptions are wrong. This is not to say the world is perfect. Nor that all progress is always good. Even widespread societal gains inevitably produce losses for some people. That’s why the economist Joseph Schumpeter referred to capitalism as “creative destruction.” But humankind has a great capacity for finding technological solutions to seemingly intractable problems, and this will likely be the case for global warming. It isn’t that the problem isn’t potentially large. It’s just that human ingenuity—when given proper incentives—is bound to be larger. Even more encouraging, technological fixes are often far simpler, and therefore cheaper, than the doomsayers could have imagined. Indeed, in the final chapter of this book we’ll meet a band of renegade engineers who have developed not one but three global-warming fixes, any of which could be bought for less than the annual sales tally of all the Thoroughbred horses at Keeneland auction house in Kentucky.

Pick a leader who will fund schools, not limit spending on education and allow libraries to close. Pick a leader who chooses diplomacy over war. An honest broker in foreign relations. A leader with integrity, one who says what they mean, keeps their word and does not lie to their people. Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist.

I suggest a Money Market account with no penalties and full check-writing privileges for your emergency fund. We have a large emergency fund for our household in a mutual-fund company Money Market account. Wherever you get your mutual funds, look at the website to find Money Market accounts that pay interest equal to one-year CDs. I haven’t found bank Money Market accounts to be competitive. The FDIC does not insure the mutual-fund Money Market accounts, but I keep mine there anyway because I’ve never known one to fail. Keep in mind that the interest earned is not the main thing. The main thing is that the money is available to cover emergencies. Your wealth building is not going to happen in this account; that will come later, in other places. This account is more like insurance against rainy days than it is investing.

As the Christian world is celebrating the Nativity once again, the roar of the guns, the cries of the dying and the wails of innocent people are heard on the battlefields. And an even greater holocaust threatens. Twice before in our time we have seen tyranny and lust for power thwarted by those who believe in the freedom of all mankind, only to see them circumvented in a brief few years. In America, we have only one thought at this Christmastime, to pray that the world again be restored to a sanity that will insure all peoples the right to think and live as they choose, to respect the beliefs of all and to help humanity live a better life in the short span allotted to us on this earth. In this aim we feel we are joined by all peoples who believe in the Divine Spirit. It is my sincere wish, in which I know I am joined by 150,000,000 other Americans, that we will be guided by the Supreme Being in restoring peace to the world, that all may live in hope and happiness.To all peoples of good will, I extend greetings of the Season.

One powerful feature of a market economy is that it directs resources to their most productive use. Why doesn’t Brad Pitt sell automobile insurance? Because it would be an enormous waste of his unique talents.

Bear in mind that since medications do not fix anything, they allow the underlying problem to continue uncorrected and actually accelerate. Meanwhile, new symptoms and new seemingly unrelated diseases are the inevitable consequence of this biochemical faux pas. Furthermore, drug side effects are the leading cause of death. NSAIDs as an example of only one group of medications, are fatally toxic to thousands of people each year by damaging joints, lungs, kidneys, eyes, hearts, and intestines. And they are covered by insurance. You and your doctor have been screwed into believing every symptom is a deficiency of some drug or surgery. You've been led to believe you have no control, when in truth you're the one who must take control. Unfortunately, the modus operandi in medicine is to find a drug to turn off the damaged part that is producing symptoms.

Now, now that she was older and perhaps wiser, love meant a partnership, in which each partner would be honest to the other, in which each would wish and strive for the other's welfare, to that this their joint welfare might be insured. Then, in those early girlish days, it had meant a total abnegation of self. The one was of earth, and therefore possible. The other had been a ray from heaven, - and impossible, except in a dream.

For one thing, most available jobs for undocumented immigrants are jobs Americans will not do, which takes healthy young migrants and makes them age terribly. At a certain point, manual labor is no longer possible. Aging undocumented people have no safety net. Even though half of undocumented people pay into Social Security, none are eligible for the benefits. They are unable to purchase health insurance. They probably don’t own their own homes. They don’t have 401(k)s or retirement plans of any kind. Meager savings, if any. Elderly people in general are susceptible to unscrupulous individuals taking advantage of them, and the undocumented community draws even more vultures. According to the Migration Policy Institute, around 10 percent of undocumented people are over fifty-five years old. This country takes their youth, their dreams, their labor, and spits them out with nothing to show for it.

The portentous development of our present economic system, leading to a mighty accumulation of social wealth in the hands of privileged minorities and to a continuous impoverishment of the great masses of the people, prepared the way for the present political and social reaction, and befriended it in every way. It sacrificed the general interests of human society to the private interests of individuals, and thus systematically undermined the relationship between man and man. People forgot that industry is not an end in itself, but should be only a means to insure to man his material subsistence and to make accessible to him the blessings of a higher intellectual culture. Where industry is everything and man is nothing begins the realm of a ruthless economic despotism whose workings are no less disastrous than those of any political despotism. The two mutually augment one another, and they are fed from the same source.

She described her new treatment with a topical chemotherapy that came in the form of a potent cream that she applied, wearing gloves, to burn off the cancerous areas—then she produced a package of the stuff from the bathroom so I could see how mundane this lifesaving medication looked. I blinked in disbelief as she held up what resembled a tube of toothpaste, and explained that each one cost over two thousand dollars. Or that’s what it would cost, if not for the insurance she had purchased through the health insurance exchanges that had been set up as part of Obamacare. I thought—and spoke—of that moment often, later, as I talked about why health policy was not a theoretical question for our family.

His professional expertise—before defecting to South Korea in 2003—was managing a state-run global insurance fraud. It collected hundreds of millions of dollars from some of the world’s largest insurance companies on falsified claims for industrial accidents and natural disasters inside North Korea. And it funneled most of the money to the Dear Leader.

Once a rebel, always a rebel. You can't help being one. You can't deny that. And it's best to be a rebel so as to show 'em it don't pay to try to do you down. Factories and labour exchanges and insurance offices keep us alive and kicking - so they say - but they're booby-traps and will suck you under like sinking-sands if you're not careful. Factories sweat you to death, labour exchanges talk you to death, insurance and income tax offices milk money from your wage packets and rob you to death. And if you're still left with a tiny bit of life in your guts after all this boggering about, the army calls you up and you get shot to death. And if you're clever enough to stay out of the army you get bombed to death. Ay, by God, it's a hard life if you don't weaken, if you don't stop that bastard government from grinding your face in the muck, though there ain't much you can do about it unless you start making dynamite to blow their four-eyed clocks to bits.

I cannot but feel compassion when I hear some trig, compact-looking man, seemingly free, all girded and ready, speak of his 'furniture,' as whether it is insured or not. 'But what shall I do with my furniture?'...It would surpass the powers of a well man nowadays to take up his bed and walk, and I should certainly advise a sick one to lay down his bed and run.

Faithfulness is not holding the fort. It’s storming the gates of hell. The will of God is not an insurance plan. It’s a daring plan. The complete surrender of your life to the cause of Christ isn’t radical. It’s normal. It’s time to quit living as if the purpose of life is to arrive safely at death. It’s time to go all in and all out for the All in All. Pack your coffin!

Most important of all: in our anxiety to "improve" the world and insure "progress" we have permitted our schools to become laboratories for social and economic change according to the predilections of the professional educators. We have forgotten that the proper function of the school is to transmit the cultural heritage of one generation to the next generation, and to so train the minds of the new generation as to make them capable of absorbing ancient learning and applying it to the problem of its own day. The

Why do insurance companies, when they want to describe an act of God, invariably pick on something which sounds much more like an act of the Devil? One would think that God was exclusively concerned in making hurricanes, smallpox, thunderbolts, and dry rot. They seem to forget that He also manufactures rainbows, apple-blossom, and Siamese kittens. However, that is, perhaps, a diversion.

Where there were once several competing approaches to medicine, there is now only one that matters to most hospitals, insurers, and the vast majority of the public. One that has been shaped to a great degree by the successful development of potent cures that followed the discovery of sulfa drugs. Aspiring caregivers today are chosen as much (or more) for their scientific abilities, their talent for mastering these manifold technological and pharmaceutical advances as for their interpersonal skills. A century ago most physicians were careful, conservative observers who provided comfort to patients and their families. Today they act: They prescribe, they treat, they cure. They routinely perform what were once considered miracles. The result, in the view of some, has been a shift in the profession from caregiver to technician. The powerful new drugs changed how care was given as well as who gave it.

I’m told by the technicians to maintain an average amount of walking on a daily basis. Don’t go overboard, but don’t be lazy, either. Stay in the middle. The insurance company could pull my data and decide whether I have used my leg enough to justify the next one.

They've pulled apart from one another at last, their twee dresses not even rumpled. Their shiny heads of hair not even disturbed. Their skins glowing with health insurance as they all crouch down in unison to collectively coo at a professor's ever jumping shih tzu.

I arrested some bad doers when I was on the cops, some very bad doers – one was a mother who killed her three-year-old for insurance that didn’t amount to a hill of beans – but I never felt the presence of evil in any of them once they were caught. It’s like evil’s some kind of vulture that flies away once these mokes are locked up. But I felt it that day, Holly. I really did. I felt it in Brady Hartsfield.

He had a penis one inch in diameter and seven and a half inches long. During the past year, he had averaged twenty-two orgasms per month. This was far above the national average. His income and the value of his life insurance policies at maturity were also far above average.

The brain-disease model takes control over people’s fate out of their own hands and puts doctors and insurance companies in charge of fixing their problems. Over the past three decades psychiatric medications have become a mainstay in our culture, with dubious consequences. Consider the case of antidepressants. If they were indeed as effective as we have been led to believe, depression should by now have become a minor issue in our society. Instead, even as antidepressant use continues to increase, it has not made a dent in hospital admissions for depression. The number of people treated for depression has tripled over the past two decades, and one in ten Americans now take antidepressants.24

Uh, hello? Hello, hello! Uh, this is just to inform all employees, that due to current restrictions, the previously mentioned safe rooms, are being sealed at most locations. Including this one. Work crews will be here most of the day today, constructing a false wall over the old door bay. Nothing is being taken out before hand, so if you left anything inside, then it's your own fault. Management also requests, that this room not be mentioned to family, friends or insurance representatives. Thanks again, and remember to smile. You are the face of Freddy Fazbear's Pizza.

I don’t think most people realize—and there’s no reason they should—the amount of demeaning garbage you have to take if you want a career in the arts. I mean, going off to med school is something you can say with your head high. Or being a banker or going into insurance or the family business—no problem. But the conversations I had with grown-ups after college… “So you’re done with school now, Bill.” “That’s right.” “So what’s next on the agenda?” Pause. Finally I would say it: “I want to be a writer.” And then they would pause. “A writer.” “I’d like to try.” Third and final pause. And then one of two inevitable replies: either “What are you going to do next?” or “What are you really going to do?” That dread double litany… What are you going to do next?… What are you really going to do?… What are you going to do next?… What are you really going to do…?

Sit down," she ordered Peabody. "I prefer to stand." "And I prefer to give you a good boot in the ass, but I'm restraining myself." Eve reached up, fisted her hands in her own hair and yanked until the pain cleared most of the rage. "Okay, stand. You couldn't sit with that stick up your butt, anyway. One you shove up it every time Subject Monroe, Charles, is mentioned. You want to be filled in, you want to be briefed? Fine. Here it is." She had to take another deep breath to insure her tone was professional. "On the evening of March twenty-six, at or about nineteen-thirty, I, accompanied by Roarke, had occasion to visit Areena Mansfield's penthouse suite at The Palace Hotel, this city. Upon entering said premises, investigation officer found subject Mansfield in the company of one Charles Monroe, licensed companion. It was ascertained and confirmed that LC Monroe was there in a professional capacity and had no links to the deceased or the current investigation. His presence, and the salient details pertaining to it, were noted in the report of the interview and marked Level Five in a stupid, ill-conceived attempt by the investigating officer to spare her fat-headed aide any unnecessary embarrassment." Eve stomped back to her desk, snatched up her coffee, gulped some down. "Record that," she snapped. Peabody's lip trembled. She sat. She sniffled. "Oh, no." In genuine panic, Eve stabbed out a finger. "No, you don't. No crying. We're on duty. There is no crying on duty.

It’s such a strange thing, but in two years of hustling I never once thought of it as a crime. I honestly didn’t think it was bad. It’s just stuff people found. White people have insurance. Whatever rationalization was handy. In society, we do horrible things to one another because we don’t see the person it affects. We don’t see their face. We don’t see them as people. Which was the whole reason the hood was built in the first place, to keep the victims of apartheid out of sight and out of mind. Because if white people ever saw black people as human, they would see that slavery is unconscionable.

The world THE WORLD IS increasingly designed to depress us. Happiness isn’t very good for the economy. If we were happy with what we had, why would we need more? How do you sell an anti-ageing moisturiser? You make someone worry about ageing. How do you get people to vote for a political party? You make them worry about immigration. How do you get them to buy insurance? By making them worry about everything. How do you get them to have plastic surgery? By highlighting their physical flaws. How do you get them to watch a TV show? By making them worry about missing out. How do you get them to buy a new smartphone? By making them feel like they are being left behind. To be calm becomes a kind of revolutionary act. To be happy with your own non-upgraded existence. To be comfortable with our messy, human selves, would not be good for business. Yet we have no other world to live in. And actually, when we really look closely, the world of stuff and advertising is not really life. Life is the other stuff. Life is what is left when you take all that crap away, or at least ignore it for a while. Life is the people who love you. No one will ever choose to stay alive for an iPhone. It’s the people we reach via the iPhone that matter. And once we begin to recover, and to live again, we do so with new eyes. Things become clearer, and we are aware of things we weren’t aware of before.

I've never understood America,"said the king. "Neither do we, sir. You might say we have two governments, kind of overlapping. First we have the elected government. It's Democratic or Republican, doesn't make much difference, and then there's corporation government." "They get along together, these governments?" "Sometimes," said Tod. "I don't understand it myself. You see, the elected government pretends to be democratic, and actually it is autocratic. The corporation governments pretend to be autocratic and they're all the time accusing the others of socialism. They hate socialism." "So I have heard," said Pippin. "Well, here's the funny thing, sir. You take a big corporation in America, say like General Motors or Du Pont or U.S. Steel. The thing they're most afraid of is socialism, and at the same time they themselves are socialist states." The king sat bolt upright. "Please?" he said. "Well, just look at it, sir. They've got medical care for employees and their families and accident insurance and retirement pensions, paid vacations -- even vacation places -- and they're beginning to get guaranteed pay over the year. The employees have representation in pretty nearly everything, even the color they paint the factories. As a matter of fact, they've got socialism that makes the USSR look silly. Our corporations make the U.S. Government seem like an absolute monarchy. Why, if the U.S. government tried to do one-tenth of what General Motors does, General Motors would go into armed revolt. It's what you might call a paradox sir.

As my wife saw it—as most people would see it, I imagine—an unwritten book was hardly a financial plan. “In other words,” she said, “you’ve got some magic beans in your pocket. That’s what you’re telling me. You have some magic beans, and you’re going to plant them, and overnight a huge beanstalk is going to grow high into the sky, and you’ll climb up the beanstalk, kill the giant who lives in the clouds, and then bring home a goose that lays golden eggs. Is that it?” “Something like that,” I said. Michelle shook her head and looked out the window. We both knew what I was asking for. Another disruption. Another gamble. Another step in the direction of something I wanted and she truly didn’t. “This is it, Barack,” Michelle said. “One last time. But don’t expect me to do any campaigning. In fact, you shouldn’t even count on my vote.” — AS A KID, I had sometimes watched as my salesman grandfather tried to sell life insurance policies over the phone, his face registering misery as he made cold calls in the evening from our tenth-floor apartment in a Honolulu high-rise. During the early months of 2003, I found myself thinking of him often as I sat at my desk in the sparsely furnished headquarters of my newly launched Senate campaign

The solution, of necessity, was going to be entirely up to him. Knowing it was a trifle over dramatic, but considering the mental capabilities of the two involved, he drew his sword. "We are all now going directly to the chapel," he announced, "and the two of you are going to get married." He pointed at the splintered door with the sword. "Now march!"he commanded. And so it was that one of the great tragic love stories of all time came at last to a happy ending. Mandorallen and his Neria were married that very afternoon,with Garion quite literally standing over them with a flaming sword to insure that no last-minute hitches could interrupt.

I’ve had enough I’m sick of seeing and touching Both sides of things Sick of being the damn bridge for everybody Nobody Can talk to anybody Without me Right? I explain my mother to my father my father to my little sister My little sister to my brother my brother to the white feminists The white feminists to the Black church folks the Black church folks to the ex-hippies the ex-hippies to the Black separatists the Black separatists to the artists the artists to my friends’ parents… Then I’ve got to explain myself To everybody I do more translating Than the Gawdamn U.N. Forget it I’m sick of it. I’m sick of filling in your gaps Sick of being your insurance against the isolation of your self-imposed limitations Sick of being the crazy at your holiday dinners Sick of being the odd one at your Sunday Brunches Sick of being the sole Black friend to 34 individual white people Find another connection to the rest of the world Find something else to make you legitimate Find some other way to be political and hip I will not be the bridge to your womanhood Your manhood Your humanness I’m sick of reminding you not to Close off too tight for too long I’m sick of mediating with your worst self On behalf of your better selves I am sick Of having to remind you To breathe Before you suffocate Your own fool self Forget it Stretch or drown Evolve or die The bridge I must be Is the bridge to my own power I must translate My own fears Mediate My own weaknesses I must be the bridge to nowhere But my true self And then I will be useful

As a child, my own mother told me the human heart spun on an axis smaller than a dime. Like her father, she sold "life for love" insurance. For the price of ten years off your life, you could purchase insurance on a ten-year love affair. Plans were also available in increments of twenty-five and fifty. If your love affair failed before your insurance expired, they'd provide you with a clone of the loved one for the duration of the term. Sometimes the clone worked out even better than the original.

Try the following experiment. Go to the airport and ask travelers en route to some remote destination how much they would pay for an insurance policy paying, say, a million tugrits (the currency of Mongolia) if they died during the trip (for any reason).Then ask another collection of travelers how much they would pay for insurance that pays the same in the event of death from a terrorist act (and only a terrorist act). Guess which one would command a higher price? Odds are that people would rather pay for the second policy (although the former includes death from terrorism). The psychologists Daniel Kahneman and Amos Tversky figured this out several decades ago.

Reviewing our experiences, we had become more and more convinced that carrying arms was not only unnecessary in most grizzly country but was certainly no good for the desired atmosphere and proper protocol in obtaining good film records. If we were to obtain such film and fraternize successfully with the big bears, it would be better to go unarmed in most places. The mere fact of having a gun within reach, cached somewhere in a pack or a hidden holster, causes a man to act with unconscious arrogance and thus maybe to smell different or to transmit some kind of signal objectionable to bears. The armed man does not assume his proper role in association with the wild ones, a fact of which they seem instantly aware at some distance. He, being wilder than they, whether he likes to admit it or not, is instantly under even more suspicion than he would encounter if unarmed. One must follow the role of an uninvited visitor—an intruder—rather than that of an aggressive hunter, and one should go unarmed to insure this attitude.

Oh," he said, looking up from his hand, "and he said his injury wasn't an accident. Not in so many words, but it won't take them long to figure out what he meant." Dan gaped. "He what?" "Great," Wymack said. "He's turning into another you. That's just what I needed." "At least you can legally take out life insurance on one of them," Nicky said.

One of the worst results of the retention of the Keynesian myths is that it not only promotes greater and greater inflation, but that it systematically diverts attention from the real causes of our unemployment, such as excessive union wage-rates, minimum wage laws, excessive and prolonged unemployment insurance, and overgenerous relief payments.

For this equality belongs to the post-Renaissance world of ideology-of political magic and the alchemical science” of politics. Envy is the basis of its broad appeal. And rampant envy, the besetting virus of modern society, is the most predictable result of insistence upon its realization. Furthermore, hue and cry over equality of opportunity and equal rights leads, a fortiori, to a final demand for equality of condition. Under its pressure self respect gives way in the large majority of men who have not reached the level of their expectation, who have no support from an inclusive identity, and who hunger for “revenge” on those who occupy a higher station and will (they expect) continue to enjoy that advantage. The end result is visible in the spiritual proletarians of the “lonely crowd.” Bertrand de Jouvenel has described the process which produces such non-persons in his memorable study, On Power. They are the natural pawns of an impersonal and omnicompetent Leviathan. And to insure their docility such a state is certain to recruit a large “new class” of men, persons superior in “ability” and authority, both to their ostensible “masters” among the people and to such anachronisms as stand in their progressive way. Such is the evidence of the recent past and particularly of American history. Arrant individualism, fracturing and then destroying the hope of amity and confederation, the communal bond and the ancient vision of the good society as an extrapolation from family, is one villain in this tale. Another is rationalized cowardice, shame, and ingratitude hidden behind the disguise of self-sufficiency or the mask of injured merit. Interdependence, which secures dignity and makes of equality a mere irrelevance, is the principal victim.

From 2002 to 2008, the United States was fighting bloody wars in Afghanistan and Iraq; among active military personnel, there were an average 1,643 fatalities per year. But over the same stretch of time in the early 1980s, with the United States fighting no major wars, there were more than 2,100 military deaths per year. How can this possibly be? For one, the military used to be much larger: 2.1 million on active duty in 1988 versus 1.4 million in 2008. But even the rate of death in 2008 was lower than in certain peacetime years. Some of this improvement is likely due to better medical care. But a surprising fact is that the accidental death rate for soldiers in the early 1980s was higher than the death rate by hostile fire for every year the United States has been fighting in Afghanistan and Iraq. It seems that practicing to fight a war can be just about as dangerous as really fighting one. And,

It's like this, Bunny Boy, if you walk up to an oak tree or a bloody elm or something - you know, one of those big bastards - one with a thick, heavy trunk with giant roots that grow deep in the soil and great branches that are covered in leaves, right, and you walk up to it and give the tree a shake, well, what happens?' (...) 'I really don't know, Dad,' (...) 'Well, nothing bloody happens, of course!' (...) 'You can stand there shaking it till the cows come home and all that will happen is your arms will get tired. Right?' (...) 'Right, Dad,' he says. (...) 'But if you go up to a skinny, dry, fucked-up little tree, with a withered trunk and a few leaves clinging on for dear life, and you put your hands around it and shake the shit out of it - as we say in the trade - those bloody leaves will come flying off! Yeah?' 'OK, Dad,' says the boy (...) 'Now, the big oak tree is the rich bastard, right, and the skinny tree is the poor cunt who hasn't got any money. Are you with me?' Bunny Junior nods. 'Now, that sounds easier than it actually is, Bunny Boy. Do you want to know why?' 'OK, Dad.' 'Because every fucking bastard and his dog has got hold of the little tree and is shaking it for all that it's worth - the government, the bloody landlord, the lottery they don't have a chance in hell of winning, the council, their bloody exes, their hundred snotty-nosed brats running around because they are too bloody stupid to exercise a bit of self-control, all the useless shit they see on TV, fucking Tesco, parking fines, insurance on this and insurance on that, the boozer, the fruit machines, the bookies - every bastard and his three-legged, one-eyed, pox-riden dog are shaking this little tree,' says Bunny, clamping his hands together and making like he is throttling someone. 'So what do you go and do, Dad?' says Bunny Junior. 'Well, you've got to have something they think they need, you know, above all else.' 'And what's that, Dad?' 'Hope... you know... the dream. You've got to sell them the dream.

Red had a stepson named Allen Dorfman. Jimmy put Red and Allen in charge of union insurance policies, and then he put Allen as the man to see for a pension fund loan. Allen was a war hero in the Pacific. He was one tough Jew, a Marine. He was stand-up, too. Allen and Red took the Fifth a grand total of 135 times during one of those Congressional hearings they used to have.

A critic can call any poem 'doggerel.' That is no more than a slur. 'Doggerel' or 'maudlin' or 'sappy' or 'sentimental' is in the ear of the listener. By the by, 'sentimental' is okay as it is defined as 'marked or governed by feeling, sensibility, or emotional idealism.' It is 'sentimentality' that is to be avoided, like the fiddleback spider, being as it is 'the quality or state of being sentimental to excess or in affectation.' Again we are faced with a judgement call and must keep a sharp eye on our outpourings to insure they are not overly gooey. The intellectual elite probably believe that most of the lyrics songwriters create are 'doggerel' of one kind or another--that is to say 'trivial"......the young songwriter has now been warned about the implacable nature of the enemy. Under a rather large umbrella, preferred twentieth-century taste in art of all kinds has been characterized by a kind of detachment, or sangfroid. It is simply not chic to be carried away in one's emotional reaction to a subject. All serious communication or complaint must be carefully wrapped in a protective coating of irony and/or satire.

On, no. I hate those arty little places. I like dining in a hotel full of all sorts of people. Dining in a club means you’re surrounded by people who’re pretty much alike. Their membership in the club means they’re there because they are all interested in gold, or because they’re university graduates, or belong to the same political party or write, or paint, or have incomes of over fifty thousand a year, or something. I like ’em mixed up, higgledy-piggledy. A dining room full of gamblers, and insurance agents, and actors, and merchants, thieves, bootleggers, lawyers, kept ladies, wives, flaps, travelling men, millionaires — everything. That’s what I call dining out. Unless one is dining at a friend’s house, or course.” A rarely long speech for her.

Mount Pinatubo was the most powerful volcanic eruption in nearly one hundred years. Within two hours of the main blast, sulfuric ash had reached twenty-two miles into the sky. By the time it was done, Pinatubo had discharged more than 20 million tons of sulfur dioxide into the stratosphere. What effect did that have on the environment? As it turned out, the stratospheric haze of sulfur dioxide acted like a layer of sunscreen, reducing the amount of solar radiation reaching the earth. For the next two years, as the haze was settling out, the earth cooled off by an average of nearly 1 degree Fahrenheit, or .5 degrees Celsius. A single volcanic eruption practically reversed, albeit temporarily, the cumulative global warming of the previous hundred years.

In order to understand how engineers endeavor to insure against such structural, mechanical, and systems failures, and thereby also to understand how mistakes can be made and accidents with far-reaching consequences can occur, it is necessary to understand, at least partly, the nature of engineering design. It is the process of design, in which diverse parts of the 'given-world' of the scientist and the 'made-world' of the engineer are reformed and assembled into something the likes of which Nature had not dreamed, that divorces engineering from science and marries it to art. While the practice of engineering may involve as much technical experience as the poet brings to the blank page, the painter to the empty canvas, or the composer to the silent keyboard, the understanding and appreciation of the process and products of engineering are no less accessible than a poem, a painting, or a piece of music. Indeed, just as we all have experienced the rudiments of artistic creativity in the childhood masterpieces our parents were so proud of, so we have all experienced the essence of structual engineering in our learning to balance first our bodies and later our blocks in ever more ambitious positions. We have learned to endure the most boring of cocktail parties without the social accident of either our bodies or our glasses succumbing to the force of gravity, having long ago learned to crawl, sit up, and toddle among our tottering towers of blocks. If we could remember those early efforts of ours to raise ourselves up among the towers of legs of our parents and their friends, then we can begin to appreciate the task and the achievements of engineers, whether they be called builders in Babylon or scientists in Los Alamos. For all of their efforts are to one end: to make something stand that has not stood before, to reassemble Nature into something new, and above all to obviate failure in the effort.

Tversky and Kahneman note that no one would buy probabilistic insurance, with premiums at a fraction of the cost but coverage only on certain days of the week, though they happily incur the same overall risk by insuring themselves against some hazards, like fires, but not others, like hurricanes.27 They buy insurance for peace of mind—to give themselves one less thing to worry about.

Almost no one was paying for magical boarding school because of the magic. The magic was an interesting quirk, a historical curiosity, in a few cases a genuine passion being indulged by a loving parent—but you didn’t pay fifty thousand pounds a year for magic tricks, any more than you paid it for Shakespeare or the respiratory system or the ability to solve quadratic equations. No: Chetwood’s school fees were insurance money, a policy taken out against the future. Let my child be safe. Let my child be happy. Let my child have every single possible chance at freedom, joy, hope, power. Because an elite education was an investment in power. Magic was the least of what you gained at Chetwood. What mattered was the power to walk the walk and talk the talk, to have your résumé picked out of the pile

Stigma takes many forms, comes from all directions, is sometimes blatantly overt, but can also be remarkably subtle. It is the cruel comment, the unkind smirk, the extrusion from the group, the lost job opportunity, the rejected marriage proposal, the ineligibility for life insurance, the inability to adopt a child or pilot a plane. But it is also the reduced expectation, the helping hand when none is needed or wanted, the solicitous sympathy that one cannot really be expected to measure up. And the secondary psychological and practical harms of having a mental disorder come only partly from how others see you. A great deal of the trouble comes from the change in how you see yourself: the sense of being damaged goods, feeling not normal or worthy, not a full fledged member of the group. It is bad enough that stigma is so often associated with having a mental disorder, but the stigma that comes from being mislabeled with a fake diagnosis is a dead loss with absolutely no redeeming features.

On Rachel's show for November 7, 2012: Ohio really did go to President Obama last night. and he really did win. And he really was born in Hawaii. And he really is legitimately President of the United States, again. And the Bureau of Labor statistics did not make up a fake unemployment rate last month. And the congressional research service really can find no evidence that cutting taxes on rich people grows the economy. And the polls were not screwed to over-sample Democrats. And Nate Silver was not making up fake projections about the election to make conservatives feel bad; Nate Silver was doing math. And climate change is real. And rape really does cause pregnancy, sometimes. And evolution is a thing. And Benghazi was an attack on us, it was not a scandal by us. And nobody is taking away anyone's guns. And taxes have not gone up. And the deficit is dropping, actually. And Saddam Hussein did not have weapons of mass destruction. And the moon landing was real. And FEMA is not building concentration camps. And you and election observers are not taking over Texas. And moderate reforms of the regulations on the insurance industry and the financial services industry in this country are not the same thing as communism. Listen, last night was a good night for liberals and for democrats for very obvious reasons, but it was also, possibly, a good night for this country as a whole. Because in this country, we have a two-party system in government. And the idea is supposed to be that the two sides both come up with ways to confront and fix the real problems facing our country. They both propose possible solutions to our real problems. And we debate between those possible solutions. And by the process of debate, we pick the best idea. That competition between good ideas from both sides about real problems in the real country should result in our country having better choices, better options, than if only one side is really working on the hard stuff. And if the Republican Party and the conservative movement and the conservative media is stuck in a vacuum-sealed door-locked spin cycle of telling each other what makes them feel good and denying the factual, lived truth of the world, then we are all deprived as a nation of the constructive debate about competing feasible ideas about real problems. Last night the Republicans got shellacked, and they had no idea it was coming. And we saw them in real time, in real humiliating time, not believe it, even as it was happening to them. And unless they are going to secede, they are going to have to pop the factual bubble they have been so happy living inside if they do not want to get shellacked again, and that will be a painful process for them, but it will be good for the whole country, left, right, and center. You guys, we're counting on you. Wake up. There are real problems in the world. There are real, knowable facts in the world. Let's accept those and talk about how we might approach our problems differently. Let's move on from there. If the Republican Party and the conservative movement and conservative media are forced to do that by the humiliation they were dealt last night, we will all be better off as a nation. And in that spirit, congratulations, everyone!

Yvonne, then, was the exotic and the sunlit when I could easily have had a boyhood of stern and dutiful English gray. She was the cream in the coffee, the gin in the Campari, the offer of wine or champagne instead of beer, the laugh in the face of bores and purse-mouths and skinflints, the insurance against bigots and prudes. Her defeat and despair were also mine for a long time, but I have reason to know that she wanted me to withstand the woe, and when I once heard myself telling someone that she had allowed me "a second identity" I quickly checked myself and thought, no, perhaps with luck she had represented my first and truest one.

It is one thing to continue smoking despite general statistics that connect smoking with lung cancer. It is a very different thing to continue smoking despite a concrete warning from a biometric sensor that has just detected seventeen cancerous cells in your upper left lung. And if you are willing to defy the sensor, what will you do when the sensor forwards the warning to your insurance agency, your manager, and your mother?

I wish you’d told me this before.” “It wouldn’t have changed anything.” “Maybe not. But talking about wounds can help heal them.” “You don’t talk about yours,” she pointed out. He sat down on the sofa facing her and leaned forward. “But I do,” he said seriously. “I talk to you. I’ve never told anyone else about the way my father treated us. That’s a deeply personal thing. I don’t share it. I can’t share it with anyone but you.” “I’m part of your life,” she said heavily, smoothing her hair back again. “Neither of us can help that. You were my comfort when Mama died, my very salvation when my stepfather hurt me. But I can’t expect you to go on taking care of me. I’m twenty-five years old, Tate. I have to let you go.” “No, you don’t.” He caught her wrists and pulled her closer. He was more solemn than she’d ever seen him. “I’m tired of fighting it. Let’s find out how deep your scars ago. Come to bed with me, Cecily. I know enough to make it easy for you.” She stared at him blankly. “Tate…” She touched his lean cheek hesitantly. He was offering her paradise, if she could face her own demons in bed with him. “This will only make things worse, whatever happens.” “You want me,” he said gently. “And I want you. Let’s get rid of the ghosts. If you can get past the fear, I won’t have anyone else from now on except you. I’ll come to you when I’m happy, when I’m sad, when the world falls on me. I’ll lie in your arms and comfort you when you’re sad, when you’re frightened. You can come to me when you need to be held, when you need me. I’ll cherish you.” “And you’ll make sure I never get pregnant.” His face tautened. “You know how I feel about. I’ve never made a secret of it. I won’t compromise on that issue, ever.” She touched his long hair, thinking how beautiful he was, how beloved. Could she live with only a part of him, watch him leave her one day to marry another woman? If he never knew the truth about his father, he might do that. She couldn’t tell him about Matt Holden, even to insure her own happiness. He glanced at her, puzzled by the expression on her face. “I’ll be careful,” he said. “And very slow. I won’t hurt you, in any way.” “Colby might come back…” He shook his head. “No. He won’t.” He stood up, pulling her with him. He saw the faint indecision in her face. “I won’t ask for more than you can give me,” he said quietly. “If you only want to lie in my arms and be kissed, that’s what we’ll do.” She looked up into his dark eyes and an unsteady sigh passed her lips. “I would give…anything…to let you love me,” she said huskily. “For eight long years…!” His mouth covered the painful words, stilling them.

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

You'll teach me to drive your car if I let you get in the water?" "Uh, no. I'll teach you how to drive Galen's car if you let me get in the water. You're not touching my car without a license. A real one, not some shiny plastic thing Rachel made between afternoon talk shows." Even if Galen doesn't have insurance, he's got enough in his wallet to buy a new one. I, on the other hand, have just enough in saving to cover my deductible. Her eyes go round. "You'll let me drive his little red one? The combustible?" Why not? I nod. "Yep. The convertible. Deal?" She grabs my hand from the couch to pull us both up. Then she shakes it. "Deal! I'll go get the keys from Rachel.

In fact, they are not taught in any university departments: the dynamics of debt, and how the pattern of bank lending inflates land prices, or national income accounting and the rising share absorbed by rent extraction in the Finance, Insurance and Real Estate (FIRE) sector. There was only one way to learn how to analyze these topics: to work for banks. Back in the 1960s there was barely a hint that these trends would become a great financial bubble.

The Vicar isn’t High Church enough for confessions, and certainly most of me would have loathed to tell him or anybody else one word; but I did have a feeling that a person as wretched as I was ought to be able to get some sort of help from the Church. Then I told myself that as I never gave the Church a thought when I was feeling happy, I could hardly expect it to do anything for me when I wasn’t. You can’t get insurance money without paying in premiums.

I don’t know why I seem to be the only one who understands that when the government provides something for free—whether it’s food, housing, or health care—there is a human cost. The government may be handing you a free block of cheese but they are taking away your motivation to get a job and buy your own f***ing cheese. And what more powerful motivator is there to get up, get work, and get insurance than the fact that not having it could literally kill you?

Cosmopolitanism gives us one country, and it is good; nationalism gives us a hundred countries, and every one of them is the best. Cosmopolitanism offers a positive, patriotism a chorus of superlatives. Patriotism begins the praise of the world at the nearest thing, instead of beginning it at the most distant, and thus it insures what is, perhaps, the most essential of all earthly considerations, that nothing upon earth shall go without its due appreciation. Wherever there is a strangely-shaped mountain upon some lonely island, wherever there is a nameless kind of fruit growing in some obscure forest, patriotism insures that this shall not go into darkness without being remembered in a song.

You’re lucky to be alive,” I told her. “I still can’t believe you didn’t have any health insurance.” “Oh but I do have insurance,” she said. “You do?” “Yes. Jesus.” “Jesus?” “Jesus.” “Jesus is your health insurance?” “If God is with me, who can be against me?” “Okay, Mom.” “Trevor, I prayed. I told you I prayed. I don’t pray for nothing.” “You know,” I said, “for once I cannot argue with you. The gun, the bullets—I can’t explain any of it. So I’ll give you that much.” Then I couldn’t resist teasing her with one last little jab. “But where was your Jesus to pay your hospital bill, hmm? I know for a fact that He didn’t pay that.” She smiled and said, “You’re right. He didn’t. But He blessed me with the son who did.

On the road all day, with no interest in the radio, we had not heard the news. Usually I spare myself from the news, because if it's not propaganda, then it's one threat or another exaggerated to the point of absurdity, or it's the tragedy of storm-quake-tsunami, of bigotry and oppression misnamed justice, of hatred passed off as righteousness and honor called dishonorable, all jammed in around advertisements in which a gecko sells insurance, a bear sells toilet tissue, a dog sells cars, a gorilla sells investment advisers, a tiger sells cereal, and an elephant sells a drug that will improve your lung capacity, as if no human being in America any longer believes any other human being, but trusts only the recommendations of animals.

Overnight, our neighbors began to look at us differently. Maybe it was the little girl down the road who no longer waved to us from her farmhouse window. Or the longtime customers who suddenly disappeared from our restaurants and stores. Or our mistress, Mrs. Trimble, who pulled us aside one morning as we were mopping her kitchen and whispered into our ear, "Did you know that the war was coming?" Club ladies began boycotting our fruit stands because they were afraid our produce might be tainted with arsenic. Insurance companies canceled our insurance. Banks froze our bank accounts. Milkmen stopped delivering milk to our doors. "Company orders," one tearful milkman explained. Children took one look at us and ran away like frightened deer. Little old ladies clutched their purses and froze up on the sidewalk at the sight of our husbands and shouted out, "They're here!" And even though our husbands had warned us--They're afraid--still, we were unprepared. Suddenly, to find ourselves the enemy.

Another blatant case of regress as part of the capitalist progress is the enormous rise of precarious work. Precarious work deprives workers of a whole series of rights that, till recently, were taken as self-evident in any country which perceived itself as a welfare state: precarious workers have to take care themselves of their health insurance and retirement options; there is no paid leave; the future becomes much more uncertain. Precarious work also generates an antagonism within the working class, between permanently employed and precarious workers (trade unions tend to privilege permanent workers; it is very difficult for precarious workers even to organize themselves into a union or to establish other forms of collective self-organization). One would have expected that this increasing exploitation would also strengthen workers’ resistance, but it renders resistance even more difficult, and the main reason for this is ideological: precarious work is presented (and up to a point even effectively experienced) as a new form of freedom – I am no longer just a cog in a complex enterprise but an entrepreneur-of-the-self, I am a boss of myself who freely manages my employment, free to choose new options, to explore different aspects of my creative potential, to choose my priorities

Why did her family think pachinko was so terrible? Her father, a traveling salesman, had sold expensive life insurance policies to isolated housewives who couldn’t afford them, and Mozasu created spaces where grown men and women could play pinball for money. Both men had made money from chance and fear and loneliness. Every morning, Mozasu and his men tinkered with the machines to fix the outcomes—there could only be a few winners and a lot of losers. And yet we played on, because we had hope that we might be the lucky ones. How could you get angry at the ones who wanted to be in the game? Etsuko had failed in this important way—she had not taught her children to hope, to believe in the perhaps-absurd possibility that they might win. Pachinko was a foolish game, but life was not.

Over time, some ideas do cross the repugnance barrier to become reality. Charging interest on loans. Selling human sperm and eggs. Profiting from a loved one’s premature death. This last example of course describes how life insurance works. Today it is standard practice to wager on your own death in order to provide for your family. Until the mid-nineteenth century, life insurance was considered “a profanation,” as the sociologist Viviana Zelizer writes, “which transformed the sacred event of death into a vulgar commodity.

I’ve seen hundreds of ’em, bit of breakfast in hand, running wild and shining to catch their little season-ticket train, for fear they’d get dismissed if they didn’t; working at businesses they were afraid to take the trouble to understand; skedaddling back for fear they wouldn’t be in time for dinner; keeping indoors after dinner for fear of the back streets, and sleeping with the wives they married, not because they wanted them, but because they had a bit of money that would make for safety in their one little miserable skedaddle through the world. Lives insured and a bit invested for fear of accidents. And on Sundays—fear of the hereafter. As if hell was built for rabbits! Well, the Martians will just be a godsend to these. Nice roomy cages, fattening food, careful breeding, no worry.

Ozroth’s chest was tight, and his stomach was starting to feel sour, so he turned and stalked out of the kitchen. Lucifer, why did so many human emotions feel like physical illness? It was a wonder humans didn’t visit the doctor on an hourly basis. Then again, Glimmer Falls was located in America, and news of the horrors of the American medical system had reached even the demon plane. “Admirable,” Astaroth had once said. “We could stand to learn a few things about ruthless manipulation and one-sided bargains from American healthcare insurers.

Is not true that marriage is the answer, it is true that by simply living independently, they face an additional set of challenges in a world that remains designed with married Americans in mind. Single women foot more of their own bills, be they necessities like food and housing, or luxuries like cable and vacation; they pay for their own transportation. They do not enjoy the tax breaks for insurance benefits available to married couples. Sociologist Bella DePaulo has repeatedly pointed out there are more than one thousand laws that benefit married people over single people.

Organized religion was the first and greatest protection racket, an economy of perpetual profit built on voluntary fear and coerced guilt. Donating money to churches, temples, mosques, synagogues, cults, et cetera, to help ensure a spot for one’s soul in the express elevator to that penthouse in the sky known as the afterlife was marketing genius! Had Sleepy paid his spiritual insurance? If so, had it done him any good? According to Shorty, whose memory had been beaten into the consistency of oatmeal by a length of pipe, or so said Bon, a quartet of Arab youth had set on them.

Another reason for Buddha’s emphasis on detachment may have been the turbulent times he lived in: Kings and city-states were making war, and people’s lives and fortunes could be burned up overnight. When life is unpredictable and dangerous (as it was for the Stoic philosophers, living under capricious Roman emperors), it might be foolish to seek happiness by controlling one’s external world. But now it is not. People living in wealthy democracies can set long-term goals and expect to meet them. We are immunized against disease, sheltered from storms, and insured against fire, theft, and collision. For the first time in human history, most people (in wealthy countries) will live past the age of seventy and will not see any of their children die before them. Although all of us will get unwanted surprises along the way, we’ll adapt and cope with nearly all of them, and many of us will believe we are better off for having suffered. So to cut off all attachments, to shun the pleasures of sensuality and triumph in an effort to escape the pains of loss and defeat—this now strikes me as an inappropriate response to the inevitable presence of some suffering in every life.

Months later, when I rarely saw the Angels, I still had the legacy of the big machine -- four hundred pounds of chrome and deep red noise to take out on the Coast Highway and cut loose at three in the morning, when all the cops were lurking over on 101. My first crash had wrecked the bike completely and it took several months to have it rebuilt. After that I decided to ride it differently: I would stop pushing my luck on curves, always wear a helmet and try to keep within range of the nearest speed limit ... my insurance had already been canceled and my driver's license was hanging by a thread. So it was always at night, like a werewolf, that I would take the thing out for an honest run down the coast. I would start in Golden Gate Park, thinking only to run a few long curves to clear my head ... but in a matter of minutes I'd be out at the beach with the sound of the engine in my ears, the surf booming up on the sea wall and a fine empty road stretching all the way down to Santa Cruz ... not even a gas station in the whole seventy miles; the only public light along the way is an all-night diner down around Rockaway Beach. There was no helmet on those nights, no speed limit, and no cooling it down on the curves. The momentary freedom of the park was like the one unlucky drink that shoves a wavering alcoholic off the wagon. I would come out of the park near the soccer field and pause for a moment at the stop sign, wondering if I knew anyone parked out there on the midnight humping strip.

Got a one-way ticket to the blues, woo, woo, . . . IF you want to sing it, sing it. These days people caught in the clutches of the one-way ticket never sing it like that. The soles of those who have only a one-way ticket are so thin that they scream when they step on a pebble. They have had their fill of walking. "The Round-Trip Ticket Blues" is what they want to sing. A one-way ticket is a disjointed life that misses the links between yesterday and today, today and tomorrow. Only the man who obstinately hangs on to a round-trip ticket can hum with real sorrow a song of a one-way ticket. For this very reason he grows desperate lest the return half of his ticket be lost or stolen; he buys stocks, signs up for life insurance, and talks out of different sides of his mouth to his union pals and his superiors. He hums "The One-Way Ticket Blues" with all his might and, choosing a channel at random, turns the television up to full volume in an attempt to drown out the peevish voices of those who have only a one-way ticket and who keep asking for help, voices that come up through the bathtub drain or the toilet hole. It would not be strange at all if "The Round-Trip Ticket Blues" were the song of mankind imprisoned.

Feeling Faint Issue: I’m happy losing weight with a low carbohydrate diet, but I’m always tired, get light headed when I stand up, and if I exercise for more than 10 minutes I feel like I’m going to pass out. Response: Congratulations on your weight loss success, and with just a small adjustment to your diet, you can say goodbye to your weakness and fatigue. The solution is salt…a bit more salt to be specific. This may sound like we’re crazy when many experts argue that we should all eat less salt, however these are the same experts who tell us that eating lots of carbohydrates and sugar is OK. But what they don’t tell you is that your body functions very differently when you are keto-adapted. When you restrict carbs for a week or two, your kidneys switch from retaining salt to rapidly excreting it, along with a fair amount of stored water. This salt and water loss explains why many people experience rapid weight loss in the first couple of weeks on a low carbohydrate diet. Ridding your body of this excess salt and water is a good thing, but only up to a point. After that, if you don’t replace some of the ongoing sodium excretion, the associated water loss can compromise your circulation The end result is lightheadedness when you stand up quickly or fatigue if you exercise enough to get ‘warmed up’. Other common side effects of carbohydrate restriction that go away with a pinch of added salt include headache and constipation; and over the long term it also helps the body maintain its muscles. The best solution is to include 1 or 2 cups of bouillon or broth in your daily schedule. This adds only 1-2 grams of sodium to your daily intake, and your ketoadapted metabolism insures that you pass it right on through within a matter of hours (allaying any fears you might have of salt buildup in your system). This rapid clearance also means that on days that you exercise, take one dose of broth or bouillon within the hour before you start.

From the very beginning of its history, the manifold social evils of capitalism have given rise to oppositional movements. The one I am concerned with in this book is cooperativism, specifically worker cooperativism. There are many other kinds of cooperatives, including those in the credit, agriculture, housing, insurance, health, and retail sectors of the economy. But worker cooperativism is potentially the most “oppositional” form, the most anti-capitalist, since it organizes production in anti-capitalist ways. Indeed, the relations of production that constitute worker cooperativism also define socialism in its most general sense: workers’ democratic control over production and, in some varieties, ownership of the means of production (whether such ownership is organized individually, by owning shares of equity, or collectively). As one common formulation states, in the worker co-op, labor has power over capital, or “labor hires capital.” In the conventional business, by contrast, capital has power over labor, i.e., “capital hires labor.” None of the other kinds of cooperativism directly rejects these capitalist power-relations, although some may signify an implicit undermining of capitalism insofar as the co-op exists not primarily for the sake of maximizing profit but for satisfying some social need.

That was the main thing wrong with Mrs. Kamal. She spent such an extraordinary amount of mental energy feeling irritated that it was impossible not to feel irritated in turn. It was oxygen to her, this low-grade dissatisfaction, shading into anger; this sense that things weren't being done correctly, that everything from the traffic noise at night to the temperature of the hot water in the morning to the progress of Mohammed's potty training to the fact that Fatima wasn't being taught to read Urdu, only English, to the fact that Rohinka served only two dishes at dinner the night of her arrival to the cost of the car insurance for the VW Sharan to the fact that Shahid didn't have a 'proper job' and seemed to have no intention of getting one, let alone a wife, to the unfriendliness of London, the fact that it was an 'impossible city,' to the ostentatious way she complained about missing Lahore, especially at dinner time, giving meaningful, sad, reproachful looks at the food Rohinka had cooked.

Although Manmohan Singh, the helmsman, got the credit, it was Rao who took the tough and aggressive decisions and provided the energy and political support. He was shrewd and knew how to deal with dissent. The manner in which he pushed through the industrial policy in the cabinet is an example. At the same time, the reforms would not have happened without Manmohan Singh. To the extent that there was one, he created the road map. In a brilliant move, he set up a set of committees—bank reform under Narsimhan, tax reform under Chelliah, and insurance reform under Malhotra—and they provided crucial intellectual sustenance and legitimacy for reform measures in these areas. It needed Manmohan Singh to come and change the nation’s mind-set to growth. But Manmohan Singh is a reticent man and cautious by nature. On his own, without Rao’s constant support, he would not have done it. The new trade policy would not have come about as speedily without Chidambaram. Varma was a terror as the head of the steering committee and he provided the momentum for the implementation of the reforms for two years. He knew the system well, and he played it in favor of the reforms. Varma’s crucial contributions, I believe, have not been understood or appreciated. In the end, all three—Manmohan Singh, Chidambaram, and Varma—derived their strength from Narasimha Rao.

I believe the reasons we hang on to seemingly insignificant snippets of conversation, the smell of a particular pizza delivered by a particular guy, the shape of certain shadows on a particular wall, is that there may come a day when we are sitting in a hospital room visiting our mother as she lies on an uncomfortable bed, still recovering. And we are asking her questions and feeling nervous about what the doctor has said could be permanent damage caused by a blood clot the size of a pinpoint and we don't know if the way she is struggling to find the right words is a temporary exhaustion or the new reality and all we want to do is tell her we love her in a language no one has used before because we mean it in a way that no one has meant it before. And this will be a difficult time for us. But then, in a break between the words, a commercial may come on the small television hung up in the corner of the room that we did not even know was playing. It may advertise some new drug, some insurance plan, and our mother will smile at the voice of the handsome actor standing in front of a green screen. She will then close her eyes and squeeze our hand, the one that she has been holding since we walked in, and say, "Oh, I used to have such a crush on him." When she does this, our memory will be waiting. Yes, yes, yes. It is love that we feel here. This is the purpose of memory.

When a volcano lets fly or an earthquake brings down a mountainside, people look upon the event with surprise and report it to each other as news. People, in their whole history, have seen comparatively few such events; and only in the past couple of hundred years have they begun to sense the patterns the events represent. Human time, regarded in the perspective of geologic time, is much too thin to be discerned—the mark invisible at the end of a ruler. If geologic time could somehow be seen in the perspective of human time, on the other hand, sea level would be rising and falling hundreds of feet, ice would come pouring over continents and as quickly go away. Yucatáns and Floridas would be under the sun one moment and underwater the next, oceans would swing open like doors, mountains would grow like clouds and come down like melting sherbet, continents would crawl like amoebae, rivers would arrive and disappear like rainstreaks down an umbrella, lakes would go away like puddles after rain, and volcanoes would light the earth as if it were a garden full of fireflies. At the end of the program, man shows up—his ticket in his hand. Almost at once, he conceives of private property, dimension stone, and life insurance. When a Mt. St. Helens assaults his sensibilities with an ash cloud eleven miles high, he writes a letter to the New York Times recommending that the mountain be bombed.

Yet here I am, edging even closer to the abyss, throwing away the secure underpinnings of my life by leaving my secure job. In daylight, I can make an account of the stress that made the decision to leave a sensible one—the slow encroachment that ate into my family life. But that’s in the daytime, when I value such things as calm and freedom. In the dark, I am struck by a dyspeptic bout of conservatism. I should have a savings account containing a year’s salary. I should have proper life insurance. I have squandered something, somehow. I am not sure what or when, but I despise myself for it. The precariousness of my life bites me hard. I can feel its teeth in my gut. I am nothing, I am no one, I have failed.

Some lives work better with routines, and Liv Halston's is one of them. Every weekday morning she rises at seven thirty am, pulls on her trainers, grabs her iPod, and before she can think about what she's doing, she heads down, bleary-eyed, in the rackety lift, and out for a half hour run along the river. At some point, threading her way through the grimly determined commuters, swerving round reversing delivery vans, she comes fully awake, her brain slowly wrapping itself around the musical rhythms in her ears, the soft thud-thud-thud of her feet hitting the pavement. Most importantly she has steered herself away again from a time she still fears: those initial waking minutes, when vulnerability means that loss can still strike her unheralded and venal, sending her thoughts into a toxic black fog. She had begin running after she had realized that she could use the world outside, the noise in her earphones, her own motion, as a kind of deflector, Now it has become habit, and insurance police. I do not have to think. I do not have to think. I do not have to think.

The total average cost of driving, including depreciation, maintenance, and insurance, runs about 61 cents a mile, and since the average automobile used for commuting to work contains only 1.1 people, every commute costs a little more than 55 cents per passenger mile. This means that, if you’re an automobile commuter traveling twenty-five miles each way to work, you’re spending around $30 a day for the privilege, not including the cost, if there is one, to park. You’re also spending an hour every day for which, unless you’re a cabbie or bus driver yourself, you’re not getting paid, and during which you’re not doing anything productive at all. For the average American, that’s another $24. In transportation, time really is money.

From eight-thirty in the morning until eleven he dealt with a case of petty larceny; there were six witnesses to examine, and he didn’t believe a word that any of them said. In European cases there are words one believes and words one distrusts: it is possible to draw a speculative line between the truth and the lies; at least the cui bono principle to some extent operates, and it is usually safe to assume, if the accusation is theft and there is no question of insurance, that something has at least been stolen. But here one could make no such assumption; one could draw no lines. He had known police officers who nerves broke down in the effort to separate a single grain of incontestable truth; they ended, some of them, by striking a witness, they were pilloried in the local Creole papers and were invalided home or transferred. It woke in some men a virulent hatred of a black skin, but Scobie had long ago, during his fifteen years, passed through the dangerous stages; now lost in the tangle of lies he felt an extraordinary affection for these people who paralysed an alien form of justice by so simple a method.

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, social security steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not only adult men, but also women and children, are recognised as individuals. Throughout most of history, women were often seen as the property of family or community. Modern states, on the other hand, see women as individuals, enjoying economic and legal rights independently of their family and community. They may hold their own bank accounts, decide whom to marry, and even choose to divorce or live on their own. But the liberation of the individual comes at a cost. Many of us now bewail the loss of strong families and communities and feel alienated and threatened by the power the impersonal state and market wield over our lives. States and markets composed of alienated individuals can intervene in the lives of their members much more easily than states and markets composed of strong families and communities. When neighbours in a high-rise apartment building cannot even agree on how much to pay their janitor, how can we expect them to resist the state? The deal between states, markets and individuals is an uneasy one. The state and the market disagree about their mutual rights and obligations, and individuals complain that both demand too much and provide too little. In many cases individuals are exploited by markets, and states employ their armies, police forces and bureaucracies to persecute individuals instead of defending them. Yet it is amazing that this deal works at all – however imperfectly. For it breaches countless generations of human social arrangements. Millions of years of evolution have designed us to live and think as community members. Within a mere two centuries we have become alienated individuals. Nothing testifies better to the awesome power of culture.

[Stice's] parents had met and fallen in love in a Country/Western bar in Partridge KS — just outside Liberal KS on the Oklahoma border — met and fallen in star-crossed love in a bar playing this popular Kansas C/W-bar-game where they put their bare forearms together and laid a lit cigarette in the little valley between the two forearms' flesh and kept it there till one of them finally jerked their arm away and reeled away holding their arm. Mr. and Mrs. Stice each discovered somebody else that wouldn't jerk away and reel away, Stice explained. Their forearms were still to this day covered with little white slugs of burn-scar. They'd toppled like pines for each other from the git-go, Stice explained. They'd been divorced and remarried four or five times, depending on how you defined certain jurisprudential precepts. When they were on good domestic terms they stayed in their bedroom for days of squeaking springs with the door locked except for brief sallies out for Beefeater gin and Chinese take-out in little white cardboard pails with wire handles, with the Stice children wandering ghostlike through the clapboard house in sagging diapers or woolen underwear subsisting on potato chips out of econobags bigger than most of them were, the Stice kids. The kids did somewhat physically better during periods of nuptial strife, when a stony-faced Mr. Stice slammed the kitchen door and went off daily to sell crop insurance while Mrs. Stice —whom both Mr. Stice and The Darkness called 'The Bride' —while The Bride spent all day and evening cooking intricate multicourse meals she'd feed bits of to The Brood (Stice refers to both himself and his six siblings as 'The Brood') and then keep warm in quietly rattling-lidded pots and then hurl at the kitchen walls when Mr. Stice came home smelling of gin and of cigarette-brands and toilet-eau not The Bride's own. Ortho Stice loves his folks to distraction, but not blindly, and every holiday home to Partridge KS he memorizes highlights of their connubial battles so he can regale the E.T.A. upperclass-men with them, mostly at meals, after the initial forkwork and gasping have died down and people have returned to sufficient levels of blood-sugar and awareness of their surroundings to be regaled.

The historian Stephanie Coontz, a debunker of 1950s nostalgia, puts some numbers to the depictions: A full 25 percent of Americans, 40 to 50 million people, were poor in the mid-1950s, and in the absence of food stamps and housing programs, this poverty was searing. Even at the end of the 1950s, a third of American children were poor. Sixty percent of Americans over sixty-five had incomes below $ 1,000 in 1958, considerably below the $ 3,000 to $ 10,000 level considered to represent middle-class status. A majority of elders also lacked medical insurance. Only half the population had savings in 1959; one-quarter of the population had no liquid assets at all. Even when we consider only native-born, white families, one-third could not get by on the income of the household head. 45

White supremacists are the ones supporting policies that benefit racist power against the interests of the majority of White people. White supremacists claim to be pro-White but refuse to acknowledge that climate change is having a disastrous impact on the earth White people inhabit. They oppose affirmative-action programs, despite White women being their primary beneficiaries. White supremacists rage against Obamacare even as 43 percent of the people who gained lifesaving health insurance from 2010 to 2015 were White. They heil Adolf Hitler’s Nazis, even though it was the Nazis who launched a world war that destroyed the lives of more than forty million White people and ruined Europe. They wave Confederate flags and defend Confederate monuments, even though the Confederacy started a civil war that ended with more than five hundred thousand White American lives lost—more than every other American war combined. White supremacists love what America used to be, even though America used to be—and still is—teeming with millions of struggling White people. White supremacists blame non-White people for the struggles of White people when any objective analysis of their plight primarily implicates the rich White Trumps they support.

Another Presidential election was less than two years off. There would have to be fast work to ward off disaster. Far-sighted people, North and South, even foresaw the laboring people soon forsaking both of the old parties and going Socialist. Politicians and business men shuddered at the thought of such a tragedy and saw horrible visions of old-age pensions, eight-hour laws, unemployment insurance, workingmen’s compensation, minimum-wage legislation, abolition of child labor, dissemination of birth-control information, monthly vacations for female workers, two-month vacations for prospective mothers, both with pay, and the probable killing of individual initiative and incentive by taking the ownership of national capital out of the hands of two million people and putting it into the hands of one hundred and twenty million.

The Unknown Citizen by W. H. Auden (To JS/07 M 378 This Marble Monument Is Erected by the State) He was found by the Bureau of Statistics to be One against whom there was no official complaint, And all the reports on his conduct agree That, in the modern sense of an old-fashioned word, he was a saint, For in everything he did he served the Greater Community. Except for the War till the day he retired He worked in a factory and never got fired, But satisfied his employers, Fudge Motors Inc. Yet he wasn't a scab or odd in his views, For his Union reports that he paid his dues, (Our report on his Union shows it was sound) And our Social Psychology workers found That he was popular with his mates and liked a drink. The Press are convinced that he bought a paper every day And that his reactions to advertisements were normal in every way. Policies taken out in his name prove that he was fully insured, And his Health-card shows he was once in hospital but left it cured. Both Producers Research and High-Grade Living declare He was fully sensible to the advantages of the Instalment Plan And had everything necessary to the Modern Man, A phonograph, a radio, a car and a frigidaire. Our researchers into Public Opinion are content That he held the proper opinions for the time of year; When there was peace, he was for peace: when there was war, he went. He was married and added five children to the population, Which our Eugenist says was the right number for a parent of his generation. And our teachers report that he never interfered with their education. Was he free? Was he happy? The question is absurd: Had anything been wrong, we should certainly have heard.

Winfree came from a family in which no one had gone to college. He got started, he would say, by not having proper education. His father, rising from the bottom of the life insurance business to the level of vice president, moved family almost yearly up and down the East Coast, and Winfree attended than a dozen schools before finishing high school. He developed a feeling that the interesting things in the world had to do with biology and mathematics and a companion feeling that no standard combination of the two subjects did justice to what was interesting. So he decided not to take a standard approach. He took a five-year course in engineering physics at Cornell University, learning applied mathematics and a full range of hands-on laboratory styles. Prepared to be hired into military-industrial complex, he got a doctorate in biology, striving to combine experiment with theory in new ways.

Fifteen years ago, a business manager from the United States came to Plum Village to visit me. His conscience was troubled because he was the head of a firm that designed atomic bombs. I listened as he expressed his concerns. I knew if I advised him to quit his job, another person would only replace him. If he were to quit, he might help himself, but he would not help his company, society, or country. I urged him to remain the director of his firm, to bring mindfulness into his daily work, and to use his position to communicate his concerns and doubts about the production of atomic bombs. In the Sutra on Happiness, the Buddha says it is great fortune to have an occupation that allows us to be happy, to help others, and to generate compassion and understanding in this world. Those in the helping professions have occupations that give them this wonderful opportunity. Yet many social workers, physicians, and therapists work in a way that does not cultivate their compassion, instead doing their job only to earn money. If the bomb designer practises and does his work with mindfulness, his job can still nourish his compassion and in some way allow him to help others. He can still influence his government and fellow citizens by bringing greater awareness to the situation. He can give the whole nation an opportunity to question the necessity of bomb production. Many people who are wealthy, powerful, and important in business, politics, and entertainment are not happy. They are seeking empty things - wealth, fame, power, sex - and in the process they are destroying themselves and those around them. In Plum Village, we have organised retreats for businesspeople. We see that they have many problems and suffer just as others do, sometimes even more. We see that their wealth allows them to live in comfortable conditions, yet they still suffer a great deal. Some businesspeople, even those who have persuaded themselves that their work is very important, feel empty in their occupation. They provide employment to many people in their factories, newspapers, insurance firms, and supermarket chains, yet their financial success is an empty happiness because it is not motivated by understanding or compassion. Caught up in their small world of profit and loss, they are unaware of the suffering and poverty in the world. When we are not int ouch with this larger reality, we will lack the compassion we need to nourish and guide us to happiness. Once you begin to realise your interconnectedness with others, your interbeing, you begin to see how your actions affect you and all other life. You begin to question your way of living, to look with new eyes at the quality of your relationships and the way you work. You begin to see, 'I have to earn a living, yes, but I want to earn a living mindfully. I want to try to select a vocation not harmful to others and to the natural world, one that does not misuse resources.' Entire companies can also adopt this way of thinking. Companies have the right to pursue economic growth, but not at the expense of other life. They should respect the life and integrity of people, animals, plants and minerals. Do not invest your time or money in companies that deprive others of their lives, that operate in a way that exploits people or animals, and destroys nature. Businesspeople who visit Plum Village often find that getting in touch with the suffering of others and cultivating understanding brings them happiness. They practise like Anathapindika, a successful businessman who lived at the time of the Buddha, who with the practise of mindfulness throughout his life did everything he could to help the poor and sick people in his homeland.

The desires of an individual can be collected into groups, each group constituting what some psychologists call a ‘sentiment’. There will be—to take politically important sentiments—love of home, of family, of country, love of power, love of enjoyment, and so on; there will also be sentiments of aversion, such as fear of pain, laziness, dislike of foreigners, hatred of alien creeds, and so on. A man's sentiments at any given moment are a complicated product of his nature, his past history, and his present circumstances. Each sentiment, in so far as it is one which many men can gratify cooperatively better than singly, will, given opportunity, generate one or more organisations designed for its gratification. Take, for example, family sentiment. This has given rise, or has helped to give rise, to organisations for housing, education, and life insurance, which are matters in which the interests of different families are in harmony.

There are other models to explain Cygnus X-1 that do not include a black hole, but they are all rather far-fetched. A black hole seems to be the only really natural explanation of the observations. Despite this, I had a bet with Kip Thorne of the California Institute of Technology that in fact Cygnus X-1 does not contain a black hole! This was a form of insurance policy for me. I have done a lot of work on black holes, and it would all be wasted if it turned out that black holes do not exist. But in that case, I would have the consolation of winning my bet, which would bring me four years of the magazine Private Eye. In fact, although the situation with Cygnus X-1 has not changed much since we made the bet in 1975, there is now so much other observational evidence in favor of black holes that I have conceded the bet. I paid the specified penalty, which was a one-year subscription to Penthouse, to the outrage of Kip’s liberated wife.

The pity is that many Americans outside the elite bubbles know exactly what’s wrong, but our leaders seem determined to do nothing about it. Any attempt to cut the government chains and anchors off businesses so they can get back to growing, innovating, and creating jobs is demagogued as “tax breaks for the rich” or “favors for the one-percenters.” Never mind that many of those who would benefit are small-business owners who’ve been decimated over the past few years, first by the economic meltdown, then by government policies put in place to “fix” it. The money printed by the Fed to keep the economy pumped up flows to Wall Street, not Main Street, so small businesses aren’t borrowing it to pay for expansion. Even if they wanted to expand, about a third of all U.S. workers are employed by businesses with fifty or fewer employees, and Obamacare insures that if they hire a fifty-first, they’ll face crippling new costs for mandated health care.

I was recently pulled over by the police in the wee hours of the morning on my way to vacation in Alabama. I was traveling with my family, and my wife and kids were asleep. I was on the phone with my brother Al, trying to get directions to our beach house. There was no one else on the road as I was driving through a small town. All of a sudden, flashing lights appeared out of nowhere and I pulled over. The lights woke up everybody in the car, and one of my kids said, “Maybe the policeman watches Duck Dynasty.” The officer came up to my window and asked for my driver’s license and insurance card. When I began to speak to the policeman, he put his hand on his holstered gun. My wife said, “Guess he’s not a fan.” The cop gave me a speeding ticket for driving forty-four miles per hour in a thirty-mile-per-hour zone, which was fine. Hey, I broke the law! But what made me a bit uncomfortable was that every time I opened my mouth he put his hand on his gun!

• Auto and Homeowner Insurance—Choose higher deductibles in order to save on premiums. With high liability limits, these are the best buys in the insurance world. • Life Insurance—Purchase twenty-year level term insurance equal to about ten times your income. Term insurance is cheap and the only way to go; never use life insurance as a place to save money. • Long-Term Disability—If you are thirty-two years old, you are twelve times more likely to become disabled than to die by age sixty-five. The best place to buy disability insurance is through work at a fraction of the cost. You can usually get coverage that equals from 50 to 70 percent of your income. • Health Insurance—The number one cause of bankruptcy today is medical bills; number two is credit cards. One way to control costs is to look for large deductibles to lower your premium. The HSA (Health Savings Account) is a great way to save on premiums. The high deductible creates a much lower premium, and this plan allows you to save for medical expenses in a tax-free savings account.

You’re so bright, Trav, and so intuitive about people. And you have … the gift of tenderness. And sympathy. You could be almost anything.” “Of course!” I said, springing to my feet and beginning to pace back and forth through the lounge. “Why didn’t I think of that! Here I am, wasting the golden years on this lousy barge, getting all mixed up with lame-duck women when I could be out there seeking and striving. Who am I to keep from putting my shoulder to the wheel? Why am I not thinking about an estate and how to protect it? Gad, woman, I could be writing a million dollars a year in life insurance. I should be pulling a big oar in the flagship of life. Maybe it isn’t too late yet! Find the little woman, and go for the whole bit. Kiwanis, P.T.A., fund drives, cookouts, a clean desk, and vote the straight ticket, yessiree bob. Then when I become a senior citizen, I can look back upon …” I stopped when I heard the small sound she was making. She sat with her head bowed. I went over and put my fingertips under her chin. I tilted her head up and looked down into her streaming eyes. “Please, don’t,” she whispered. “You’re beginning to bring out the worst in me, woman.” “It was none of my business.” “I will not dispute you.” “But … who did this to you?” “I’ll never know you well enough to try to tell you, Lois.” She tried to smile. “I guess it can’t be any plainer than that.” “And I’m not a tragic figure, no matter how hard you try to make me into one. I’m delighted with myself, woman.” “And you wouldn’t say it that way if you were.” “Spare me the cute insights.

Books? Yes, I read a lot, I’ve always read a lot. No, I’m not sure we do understand each other. I like to read best on the floor, or in bed, almost everything lying down, no, it has less to do with the books, above all it has to do with the reading, with black on white, with the letters, syllables, lines, the signs, the setting down, this inhuman fixing, this insanity, which flows from people and is frozen into expression. Believe me, expression is insanity, it arises out of our insanity. It also has to do with turning pages, with hunting from one page to the other, with flight, with complicity in an absurd, solidified effusion, with a vile overflow of verse, with insuring life in a single sentence, and, in turn, with the sentences seeking insurance in life. Reading is a vice which can replace all other vices or temporarily take their place in more intensely helping people live, it is a debauchery, a consuming addiction. No, I don’t take any drugs, I take books, of course I have certain preferences, many books don’t suit me at all, some I take only in the morning, others at night, there are books I don’t ever let go, I drag them around with me in the apartment, carrying them from the living room into the kitchen, I read them in the hall standing up, I don’t use bookmarks, I don’t move my lips while reading, early on I learned to read very well, I don’t remember the method, but you ought to look into it, they must have used an excellent method in our provincial elementary schools, at least back then when I learned to read. Yes I also realized, but not until later, that there are countries where people don’t know how to read, at least not quickly, but speed is important, not only concentration, can you please tell me who can keep chewing on a simple or even a complex sentence without feeling disgust, either with the eyes or the mouth, just keep on grinding away, over and over, a sentence which only consists of subject and predicate must be consumed rapidly, a sentence with many appositions must for that very reason be taken at tremendous speed, with the eyeballs performing an imperceptible slalom, since a sentence doesn’t convey anything to itself, it has to “convey” something to the reader. I couldn’t “work my way through” a book, that would almost be an occupation. There are people, I tell you, you come across the strangest surprises in this field of reading . . . I do profess a certain weakness for illiterates, I even know someone here who doesn’t read and doesn’t want to, a person who has succumbed to the vice of reading more easily understands such a state of innocence, really unless people are truly capable of reading they ought not to read at all.

Did you ever think much about jobs? I mean, some of the jobs people land in? You see a guy giving haircuts to dogs, or maybe going along the curb with a shovel, scooping up horse manure. And you think, now why is the silly bastard doing that? He looks fairly bright, about as bright as anyone else. Why the hell does he do that for living? You kind grin and look down your nose at him. You think he’s nuts, know what I mean, or he doesn’t have any ambition. And then you take a good look at yourself, and you stop wondering about the other guy… You’ve got all your hands and feet. Your health is okay, and you make a nice appearance, and ambition-man! You’ve got it. You’re young, I guess: you’d call thirty young, and you’re strong. You don’t have much education, but you’ve got more than plenty of other people who go to the top. And yet with all that, with all you’ve had to do with this is as far you’ve got And something tellys you, you’re not going much farther if any. And there is nothing to be done about it now, of course, but you can’t stop hoping. You can’t stop wondering… …Maybe you had too much ambition. Maybe that was the trouble. You couldn’t see yourself spending forty years moving from office boy to president. So you signed on with a circulation crew; you worked the magazines from one coast to another. And then you ran across a little brush deal-it sounded nice, anyway. And you worked that until you found something better, something that looked better. And you moved from that something to another something. Coffee-and-tea premiums, dinnerware, penny-a-day insurance, photo coupons, cemetery lots, hosiery, extract, and God knows what all. You begged for the charities, You bought the old gold. You went back to the magazines and the brushes and the coffee and tea. You made good money, a couple of hundred a week sometimes. But when you averaged it up, the good weeks with the bad, it wasn’t so good. Fifty or sixty a week, maybe seventy. More than you could make, probably, behind agas pump or a soda fountain. But you had to knock yourself out to do it, and you were standing stil. You were still there at the starting place. And you weren’t a kid any more. So you come to this town, and you see this ad. Man for outside sales and collections. Good deal for hard worker. And you think maybe this is it. This sounds like a right town. So you take the job, and you settle down in the town. And, of course, neither one of ‘em is right, they’re just like all the others. The job stinks. The town stinks. You stink. And there’s not a goddamned thing you can do about it. All you can do is go on like this other guys go on. The guy giving haircuts to dogs, and the guy sweeping up horse manute Hating it. Hating yourself. And hoping.

Do you have any cheese preferences?” Jack asked. “All cheese is good cheese, Lend said. “True dat.” I nodded solemnly. “You did not just say ‘true dat,’” Arianna said, walking into the kitchen. “Because if you think you have any ability whatsoever to pull that off, we are going to have to have a long, long talk.” “Can I at least use it ironically? Or ‘dude.’ Can I use ‘dude?’ Because I really want to be able to use ‘dude.’” “No. No, you cannot, but thank you for asking. Besides, ironic use always segues into non-ironic use, and unless you suddenly become far cooler or far more actually Californian than you are now, I simply cannot allow it.” “But on Easton Heights—” “You are not going to bring up Cary’s cousin Trevyn’s multiepisode arc where he’s sent there as punishment for his pot-smoking surf-bum ways, are you? Because that arc sucked, and he wasn’t even very hot. Also, what’s the lunatic doing?” She jerked her head toward Jack. He flipped a gorgeous looking omelet onto a plate and placed it with a flourish in front of Lend. “I am providing insurance against frying pan boy deciding to enact all the very painful fantasies he’s no doubt entertained about me for the last few weeks. An omelet this good should rule out any dismemberment vengeance.” “Have you been reading his diary?” I asked. “Because I’ll bet he got really creative with the violence ideas.” “No, I only ever read yours. But let me tell you, one more exclamation mark dotted with a heart while talking about how good a kisser Lend is and I was about ready to do myself in. You’re rather single-minded when it comes to adoring him.” “True dat,” Arianna said, nodding. “How come you can use ‘true dat’ if I can’t?” I asked, rightfully outraged. “Because I’m dead, and none of the rules apply anymore.” Lend ate his omelet, refusing to answer Jack’s questions about just how delicious it was on a scale from cutting off limbs to just breaking his nose. I gave Jack full points for flavor but noted the texture was slightly off, exempting him from name-calling but not from dirty looks. Arianna lounged against the counter, and when I finished first we debated the usage rules of “dude,” “true dat,” and my favorite, “for serious.” “I kind of wish they’d shut up,” Jack said. “Dude, true dat,” Lend answered. Jack nodded solemnly. “For serious.

Billions of dollars, trying unsuccessfully to keep drugs out of the world’s most porous border? One-tenth of the anti-drug budget going into education and treatment, nine-tenths of those billions into interdiction? And not enough money from anywhere going into the root causes of the drug problem itself. And the billions spent keeping drug offenders locked up in prison, the cells now so crowded we have to give early release to murderers. Not to mention the fact that two-thirds of all the “non-drug” offenses in America are committed by people high on dope or alcohol. And our solutions are the same futile non-solutions—build more prisons, hire more police, spend more and more billions of dollars not curing the symptoms while we ignore the disease. Most people in my area who want to kick drugs can’t afford to get into a treatment program unless they have blue-chip health insurance, which most of them don’t. And there’s a six-month-to-two-year waiting list to get a bed in a subsidized treatment program. We’re spending almost $2 billion poisoning cocaine crops and kids over here, while there’s no money at home to help someone who wants to get off drugs. It’s insanity.

Social cohesion is a necessity, and mankind has never yet succeeded in enforcing cohesion by merely rational arguments. Every community is exposed to two opposite dangers: ossification through too much discipline and reverence for tradition, on the one hand; on the other hand, dissolution, or subjection to foreign conquest, through the growth of an individualism and personal independence that makes co-operation impossible. In general, important civilizations start with a rigid and superstitious system, gradually relaxed, and leading, at a certain stage, to a period of brilliant genius, while the good of the old tradition remains and the evil inherent in its dissolution has not yet developed. But as the evil unfolds, it leads to anarchy, thence, inevitably, to a new tyranny, producing a new synthesis secured by a new system of dogma. The doctrine of liberalism is an attempt to escape from this endless oscillation. The essence of liberalism is an attempt to secure a social order not based on irrational dogma, and insuring stability without involving more restraints than are necessary for the preservation of the community. Whether this attempt can succeed only the future can determine.

There is no natural safeguard in the English language against the faults of haste, distraction, timidity, dividedness of mind, modesty. English does not run on its own rails, like French, with a simply managed mechanism of knobs and levers, so that any army officer or provincial mayor can always, at a minute’s notice, glide into a graceful speech in celebration of any local or national event, however unexpected. The fact is that English has altogether too many resources for the ordinary person, and nobody holds it against him if he speaks or writes badly. The only English dictionary with any pretension to completeness as a collection of literary precedents, the Oxford English Dictionary, is of the size and price of an encyclopedia; and pocket-dictionaries do not distinguish sufficiently between shades of meaning in closely associated words: for example, between the adjectives ‘silvery’, ‘silvern’, ‘silver’, ‘silvered’, ‘argent’, ‘argentine’, ‘argentic’, ‘argentous’. Just as all practising lawyers have ready access to a complete legal library, so all professional writers (and every other writer who can afford it) should possess or have ready access to the big Oxford English Dictionary. But how many trouble about the real meanings of words? Most of them are content to rub along with a Thesaurus—which lumps words together in groups of so-called synonyms, without definitions—and an octavo dictionary. One would not expect a barrister to prepare a complicated insurance or testamentary case with only Everyman’s Handy Guide to the Law to help him; and there are very few books which one can write decently without consulting at every few pages a dictionary of at least two quarto volumes—Webster’s, or the shorter Oxford English Dictionary—to make sure of a word’s antecedents and meaning.

The best available apples-to-apples comparison of inflation-adjusted earnings shows what the typical fully employed man earned back in the 1970s and what that same fully employed man earns today. The picture isn’t pretty. As the GDP has doubled and almost doubled again, as corporations have piled up record profits, as the country has gotten wealthier, and as the number of billionaires has exploded, the average man working full-time today earns about what the average man earned back in 1970. Nearly half a century has gone by, and the guy right in the middle of the pack is making about what his granddad did. The second punch that’s landed on families is expenses. If costs had stayed the same over the past few decades, families would be okay—or, at least, they would be in about the same position as they were thirty-five years ago. Not advancing but not falling behind, either. But that didn’t happen. Total costs are up, way up. True, families have cut back on some kinds of expenses. Today, the average family spends less on food (including eating out), less on clothing, less on appliances, and less on furniture than a comparable family did back in 1971. In other words, families have been pretty careful about their day-to-day spending, but it hasn’t saved them. The problem is that the other expenses—the big, fixed expenses—have shot through the roof and blown apart the family budget. Adjusted for inflation, families today spend more on transportation, more on housing, and more on health insurance. And for all those families with small children and no one at home during the day, the cost of childcare has doubled, doubled again, and doubled once more. Families have pinched pennies on groceries and clothing, but these big, recurring expenses have blown them right over a financial cliff.

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

Security is a big and serious deal, but it’s also largely a solved problem. That’s why the average person is quite willing to do their banking online and why nobody is afraid of entering their credit card number on Amazon. At 37signals, we’ve devised a simple security checklist all employees must follow: 1. All computers must use hard drive encryption, like the built-in FileVault feature in Apple’s OS X operating system. This ensures that a lost laptop is merely an inconvenience and an insurance claim, not a company-wide emergency and a scramble to change passwords and worry about what documents might be leaked. 2. Disable automatic login, require a password when waking from sleep, and set the computer to automatically lock after ten inactive minutes. 3. Turn on encryption for all sites you visit, especially critical services like Gmail. These days all sites use something called HTTPS or SSL. Look for the little lock icon in front of the Internet address. (We forced all 37signals products onto SSL a few years back to help with this.) 4. Make sure all smartphones and tablets use lock codes and can be wiped remotely. On the iPhone, you can do this through the “Find iPhone” application. This rule is easily forgotten as we tend to think of these tools as something for the home, but inevitably you’ll check your work email or log into Basecamp using your tablet. A smartphone or tablet needs to be treated with as much respect as your laptop. 5. Use a unique, generated, long-form password for each site you visit, kept by password-managing software, such as 1Password.§ We’re sorry to say, “secretmonkey” is not going to fool anyone. And even if you manage to remember UM6vDjwidQE9C28Z, it’s no good if it’s used on every site and one of them is hacked. (It happens all the time!) 6. Turn on two-factor authentication when using Gmail, so you can’t log in without having access to your cell phone for a login code (this means that someone who gets hold of your login and password also needs to get hold of your phone to login). And keep in mind: if your email security fails, all other online services will fail too, since an intruder can use the “password reset” from any other site to have a new password sent to the email account they now have access to. Creating security protocols and algorithms is the computer equivalent of rocket science, but taking advantage of them isn’t. Take the time to learn the basics and they’ll cease being scary voodoo that you can’t trust. These days, security for your devices is just simple good sense, like putting on your seat belt.

When we get down to potential versus reality in relationships, we often see disappointment, not successful achievement. In the Church, if someone creates nuclear fallout in a calling, they are often released or reassigned quickly. Unfortunately, we do not have that luxury when we marry. So many of us have experienced this sad realization in the first weeks of our marriages. For example, we realized that our partner was not going to live up to his/her potential and give generously to the partnership. While fighting the mounting feelings of betrayal, we watched our new spouses claim a right to behave any way they desired, often at our expense. Most of us made the "best" of a truly awful situation but felt like a rat trapped in maze. We raised a family, played our role, and hoped that someday things would change if we did our part. It didn't happen, but we were not allowed the luxury of reassigning or releasing our mates from poor stewardship as a spouse or parent. We were stuck until we lost all hope and reached for the unthinkable: divorce. Reality is simple for some. Those who stay happily married (the key word here is happily are the ones who grew and felt companionship from the first days of marriage. Both had the integrity and dedication to insure its success. For those of us who are divorced, tracing back to those same early days, potential disappeared and reality reared its ugly head. All we could feel, after a sealing for "time and all eternity," was bound in an unholy snare. Take the time to examine the reality of who your sweetheart really is. What do they accomplish by natural instinct and ability? What do you like/dislike about them? Can you live with all the collective weaknesses and create a happy, viable union? Are you both committed to making each other happy? Do you respect each other's agency, and are you both encouraging and eager to see the two of you grow as individuals and as a team? Do you both talk-the-talk and walk-the-walk? Or do you love them and hope they'll change once you're married to them? Chances are that if the answer to any of these questions are "sorta," you are embracing their potential and not their reality. You may also be embracing your own potential to endure issues that may not be appropriate sacrifices at this stage in your life. No one changes without the internal impetus and drive to do so. Not for love or money. . . . We are complex creatures, and although we are trained to see the "good" in everyone, it is to our benefit to embrace realism when it comes to finding our "soul mate." It won't get much better than what you have in your relationship right now.

I don’t like to think too much about you, in my head, that only makes a mess of us both. But of course what I live for now is for you and me to live together. I’m frightened, really...I feel my inside turn to water sometimes, and there you are, going to have a child by me. But never mind. All the bad times that ever have been, haven’t been able to blow the crocus out: not even the love of women. So they won’t be able to blow out my wanting you, nor the little glow there is between you and me. We’ll be together next year. And though I’m frightened, I believe in your being with me. A man has to fend and fettle for the best, and then trust in something beyond himself. You can’t insure against the future, except by really believing in the best bit of you, and in the power beyond it. So I believe in the little flame between us. For me now, it’s the only thing in the world. I’ve got no friends, not inward friends. Only you. And now the little flame is all I care about in my life.. It’s my Pentecost, the forked flame between me and you... Me and God is a bit uppish, somehow. But the little forked flame between me and you: there you are! That’s what I abide by, and will abide by... “That’s why I don’t like to start thinking about you actually. It only tortures me, and does you no good. I don’t want you to be away from me. But if I start fretting it wastes something. Patience, always patience. This is my fortieth winter. And I can’t help all the winters that have been. But this winter I’ll stick to my little pentecost flame, and have some peace. And I won’t let the breath of people blow it out. I believe in a higher mystery, that doesn’t let even the crocus be blown out. And if you’re in Scotland and I’m in the Midlands, and I can’t put my arms round you, and wrap my legs round you, yet I’ve got something of you. My soul softly flaps in the little pentecost flame with you, like the peace of fucking. We fucked a flame into being. Even the flowers are fucked into being between the sun and the earth. But it’s a delicate thing, and takes patience and the long pause. “So I love chastity now, because it is the peace that comes of fucking. I love being chaste now. I love it as snowdrops love the snow. I love this chastity, which is the pause of peace of our fucking, between us now like a snowdrop of forked white fire. And when the real spring comes, when the drawing together comes, then we can fuck the little flame brilliant and yellow, brilliant. But not now, not yet! Now is the time to be chaste, it is so good to be chaste, like a river of cool water in my soul. I love the chastity now that it flows between us. It is like fresh water and rain. How can men want wearisomely to philander! What a misery to be like Don Juan, and impotent ever to fuck oneself into peace, and the little flame alight, impotent and unable to be chaste in the cool between-whiles, as by a river. “Well, so many words, because I can’t touch you. If I could sleep with my arms round you, the ink could stay in the bottle. We could be chaste together just as we can fuck together. But we have to be separate for a while, and I suppose it is really the wiser way. If only one were sure. “Never mind, never mind, we won’t get worked up. We really trust in the little flame, in the unnamed god that shields it from being blown out. There’s so much of you here with me, really, that it’s a pity you aren’t all here. “Never mind about Sir Clifford. If you don’t hear anything from him, never mind. He can’t really do anything to you. Wait, he will want to get rid of you at last, to cast you out. And if he doesn’t, we’ll manage to keep clear of him. But he will. In the end he will want to spew you out as the abominable thing. “Now I can’t even leave off writing to you. “But a great deal of us is together, and we can but abide by it, and steer our courses to meet soon. John Thomas says good night to lady Jane, a little droopingly, but with a hopeful heart.

Let me ask you three questions,” he said. “And then you’ll see it my way. Question One: What’s the worst thing that you have ever done to someone? It’s okay. You don’t have to confess it out loud. Question Two: What’s the worst criminal act that has ever been committed against you? Question Three: Which of the two was the most damaging for the victim?” The worst criminal act that has ever been committed against me was burglary. How damaging was it? Hardly damaging at all. I felt theoretically violated at the idea of a stranger wandering through my house. But I got the insurance money. I was mugged one time. I was eighteen. The man who mugged me was an alcoholic. He saw me coming out of a supermarket. “Give me your alcohol,” he yelled. He punched me in the face, grabbed my groceries, and ran away. There wasn’t any alcohol in my bag. I was upset for a few weeks, but it passed. And what was the worst thing I had ever done to someone? It was a terrible thing. It was devastating for them. It wasn’t against the law. Clive’s point was that the criminal justice system is supposed to repair harm, but most prisoners—young, black—have been incarcerated for acts far less emotionally damaging than the injuries we noncriminals perpetrate upon one another all the time—bad husbands, bad wives, ruthless bosses, bullies, bankers.

What’s it about?” Danny seemed authentically curious. “The night. It’s got its own set of rules.” “Day’s got rules too.” “Oh, I know,” Joe said, “but I don’t like them.” They stared through the mesh at each other for a long time. “I don’t understand,” Danny said softly. “I know you don’t,” Joe said. “You, you buy into all this stuff about good guys and bad guys in the world. A loan shark breaks a guy’s leg for not paying his debt, a banker throws a guy out of his home for the same reason, and you think there’s a difference, like the banker’s just doing his job but the loan shark’s a criminal. I like the loan shark because he doesn’t pretend to be anything else, and I think the banker should be sitting where I’m sitting right now. I’m not going to live some life where I pay my fucking taxes and fetch the boss a lemonade at the company picnic and buy life insurance. Get older, get fatter, so I can join a men’s club in Back Bay, smoke cigars with a bunch of assholes in a back room somewhere, talk about my squash game and my kid’s grades. Die at my desk, and they’ll already have scraped my name off the office door before the dirt’s hit the coffin.” “But that’s life,” Danny said. “That’s a life. You want to play by their rules? Go ahead. But I say their rules are bullshit. I say there are no rules but the ones a man makes for himself.

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.

So to you Elsa Greer spoke in the words of Juliet?’ ‘Yes. She was a spoiled child of fortune-young, lovely, rich. She found her mate and claimed him-no young Romeo, a married, middle-aged painter. Elsa Greer had no code to restrain her, she had the code of modernity. “Take what you want-we shall only live once!’ He sighed, leaned back, and again tapped gently on the arm of his chair. ‘A predatory Juliet. Young, ruthless, but horribly vulnerable! Staking everything on the one audacious throw. And seemingly she won…and then-at the last moment-death steps in-and the living, ardent, joyous Elsa died also. There was left only a vindictive, cold, hard woman, hating with all her soul the woman whose hand had done this thing.’ His voice changed: ‘Dear, dear. Pray forgive this little lapse into melodrama. A crude young woman-with a crude outlook on life. Not, I think, an interesting character.Rose white youth, passionate, pale, etc. Take that away and what remains? Only a somewhat mediocre young woman seeking for another life-sized hero to put on an empty pedestal.’ Poirot said: ‘If Amyas Crale had not been a famous painter-’ Mr Jonathan agreed quickly. He said: ‘Quite-quite. You have taken the point admirably. The Elsas of this world are hero-worshippers. A man must havedone something, must be somebody…Caroline Crale, now, could have recognized quality in a bank clerk or an insurance agent! Caroline loved Amyas Crale the man, not Amyas Crale the painter. Caroline Crale was not crude-Elsa Greer was.

Do you condemn the kids for not having been blessed with I.Q.s of 120? Can you condemn the kids? Can you condemn anyone? Can you condemn the colleges that give all you need to pass a board of education examination? Do you condemn the board of education for not making the exams stiffer, for not boosting the requirements, for not raising salaries, for not trying to attract better teachers, for not making sure their teachers are better equipped to teach? Or do you condemn the meatheads all over the world who drift into the teaching profession drift into it because it offers a certain amount of paycheck every month security ,vacation-every summer luxury, or a certain amount of power , or a certain easy road when the other more difficult roads are full of ruts? Oh he’d seen the meatheads, all right; he’d seen them in every education class he’d ever attended. The simpering female idiots who smiled and agreed with the instructor, who imparted vast knowledge gleaned from profound observations made while sitting at the back of the classroom in some ideal high school in some ideal neighborhood while an ideal teacher taught ideal students. Or the men who were perhaps the worst, the men who sometimes seemed a little embarrassed, over having chosen the easy road, the road the security, the men who sometimes made a joke about the women not realizing they themselves were poured from the same streaming cauldron of horse manure. Had Rick been one of these men? He did not believe so…. He had wanted to teach, had honestly wanted to teach. He had not considered the security or the two-month vacation, or the short tours. He had simply wanted to teach, and he had considred taeaching a worth-while profession. He had, in fact, considered it the worthiest profession. He had held no illusions about his own capabilities. He could not paint, or write, or compose, or sculpt, or philopshize deeply, or design tall buildings. He could contribute nothing to the world creatively and this had been a disappointment to him until he’d realized he could be a big creator by teaching. For here were minds to be sculptured, here were ideas to be painted, here were lives to shape. To spend his allotted time on earth as a bank teller or an insurance salesman would have seemed an utter waste to Rick. Women, he had reflected had no such problem. Creation had been given to them as a gift and a woman was self-sufficient within her own creative shell. A man needed more which perhaps was one reason why a woman could never understand a man’s concern for the job he had to do.

Inarguably, a successful restaurant demands that you live on the premises for the first few years, working seventeen-hour days, with total involvement in every aspect of a complicated, cruel and very fickle trade. You must be fluent in not only Spanish but the Kabbala-like intricacies of health codes, tax law, fire department regulations, environmental protection laws, building code, occupational safety and health regs, fair hiring practices, zoning, insurance, the vagaries and back-alley back-scratching of liquor licenses, the netherworld of trash removal, linen, grease disposal. And with every dime you've got tied up in your new place, suddenly the drains in your prep kitchen are backing up with raw sewage, pushing hundreds of gallons of impacted crap into your dining room; your coke-addled chef just called that Asian waitress who's working her way through law school a chink, which ensures your presence in court for the next six months; your bartender is giving away the bar to under-age girls from Wantagh, any one of whom could then crash Daddy's Buick into a busload of divinity students, putting your liquor license in peril, to say the least; the Ansel System could go off, shutting down your kitchen in the middle of a ten-thousand-dollar night; there's the ongoing struggle with rodents and cockroaches, any one of which could crawl across the Tina Brown four-top in the middle of the dessert course; you just bought 10,000 dollars-worth of shrimp when the market was low, but the walk-in freezer just went on the fritz and naturally it's a holiday weekend, so good luck getting a service call in time; the dishwasher just walked out after arguing with the busboy, and they need glasses now on table seven; immigration is at the door for a surprise inspection of your kitchen's Green Cards; the produce guy wants a certified check or he's taking back the delivery; you didn't order enough napkins for the weekend — and is that the New York Times reviewer waiting for your hostess to stop flirting and notice her?

In other words, money isn’t a material reality – it is a psychological construct. It works by converting matter into mind. But why does it succeed? Why should anyone be willing to exchange a fertile rice paddy for a handful of useless cowry shells? Why are you willing to flip hamburgers, sell health insurance or babysit three obnoxious brats when all you get for your exertions is a few pieces of coloured paper? People are willing to do such things when they trust the figments of their collective imagination. Trust is the raw material from which all types of money are minted. When a wealthy farmer sold his possessions for a sack of cowry shells and travelled with them to another province, he trusted that upon reaching his destination other people would be willing to sell him rice, houses and fields in exchange for the shells. Money is accordingly a system of mutual trust, and not just any system of mutual trust: money is the most universal and most efficient system of mutual trust ever devised. What created this trust was a very complex and long-term network of political, social and economic relations. Why do I believe in the cowry shell or gold coin or dollar bill? Because my neighbours believe in them. And my neighbours believe in them because I believe in them. And we all believe in them because our king believes in them and demands them in taxes, and because our priest believes in them and demands them in tithes. Take a dollar bill and look at it carefully. You will see that it is simply a colourful piece of paper with the signature of the US secretary of the treasury on one side, and the slogan ‘In God We Trust’ on the other. We accept the dollar in payment, because we trust in God and the US secretary of the treasury. The crucial role of trust explains why our financial systems are so tightly bound up with our political, social and ideological systems, why financial crises are often triggered by political developments, and why the stock market can rise or fall depending on the way traders feel on a particular morning.

Some incidents of facial profiling have been more inconvenient than others. I’ll never forget walking through airport security when I was flying to give a speech to a Christian men’s group in Montana. The Department of Homeland Security screeners obviously didn’t recognize me as “Jase the Duckman” from Duck Dynasty, and I felt like I was one wrong answer away from being led to an interrogation room in a pair of handcuffs! Hunting season had recently ended, so my hair and beard were in full bloom! The security screeners saw a Bible in my bag, and I guess they figured I was a Christian nut because of my long hair and bushy beard. Somehow, I made it through the metal detector and an additional pat-down, and I guess they couldn’t find a justifiable reason to detain me. But as I was getting my belongings back together, I accidentally bumped into a woman. She screamed! It must have been an involuntary reflex. It was a natural response, because she thought I was going to attack her. Once she finally settled down, I made my way to the gate and sat down to compose myself. After a few minutes, a young boy walked up and asked me for my autograph. Finally, I thought to myself. Somebody recognizes me from Duck Dynasty. Not everyone here believes I’m the Unabomber! Man, I could have used the kid about twenty minutes earlier, when I was trying to get through security! I looked over at the boy’s mother, and she was smiling from ear to ear. I realized they were very big fans. I signed my name on a piece of paper and handed it to the kid. “Can I ask you a question?” he said. “Sure, buddy,” I said. “Ask me anything you want.” “How much does Geico pay y’all?” he asked. My jaw dropped as I looked at the kid. “Wait a minute, man,” I said. “I’m not a caveman!” “What do you mean?” the boy asked. “I’m Jase the Duckman,” I said. “You know--from Duck Dynasty? Quack, quack?” It didn’t take me long to realize the boy had no idea what I was talking about. In a matter of minutes, I went from being a potential terrorist to being a caveman selling insurance.

The Proofs Human society has devised a system of proofs or tests that people must pass before they can participate in many aspects of commercial exchange and social interaction. Until they can prove that they are who they say they are, and until that identity is tied to a record of on-time payments, property ownership, and other forms of trustworthy behavior, they are often excluded—from getting bank accounts, from accessing credit, from being able to vote, from anything other than prepaid telephone or electricity. It’s why one of the biggest opportunities for this technology to address the problem of global financial inclusion is that it might help people come up with these proofs. In a nutshell, the goal can be defined as proving who I am, what I do, and what I own. Companies and institutions habitually ask questions—about identity, about reputation, and about assets—before engaging with someone as an employee or business partner. A business that’s unable to develop a reliable picture of a person’s identity, reputation, and assets faces uncertainty. Would you hire or loan money to a person about whom you knew nothing? It is riskier to deal with such people, which in turn means they must pay marked-up prices to access all sorts of financial services. They pay higher rates on a loan or are forced by a pawnshop to accept a steep discount on their pawned belongings in return for credit. Unable to get bank accounts or credit cards, they cash checks at a steep discount from the face value, pay high fees on money orders, and pay cash for everything while the rest of us enjoy twenty-five days interest free on our credit cards. It’s expensive to be poor, which means it’s a self-perpetuating state of being. Sometimes the service providers’ caution is dictated by regulation or compliance rules more than the unwillingness of the banker or trader to enter a deal—in the United States and other developed countries, banks are required to hold more capital against loans deemed to be of poor quality, for example. But many other times the driving factor is just fear of the unknown. Either way, anything that adds transparency to the multi-faceted picture of people’s lives should help institutions lower the cost of financing and insuring them.

What is a “pyramid?” I grew up in real estate my entire life. My father built one of the largest real estate brokerage companies on the East Coast in the 1970s, before selling it to Merrill Lynch. When my brother and I graduated from college, we both joined him in building a new real estate company. I went into sales and into opening a few offices, while my older brother went into management of the company. In sales, I was able to create a six-figure income. I worked 60+ hours a week in such pursuit. My brother worked hard too, but not in the same fashion. He focused on opening offices and recruiting others to become agents to sell houses for him. My brother never listed and sold a single house in his career, yet he out-earned me 10-to-1. He made millions because he earned a cut of every commission from all the houses his 1,000+ agents sold. He worked smarter, while I worked harder. I guess he was at the top of the “pyramid.” Is this legal? Should he be allowed to earn more than any of the agents who worked so hard selling homes? I imagine everyone will agree that being a real estate broker is totally legal. Those who are smart, willing to take the financial risk of overhead, and up for the challenge of recruiting good agents, are the ones who get to live a life benefitting from leveraged Income. So how is Network Marketing any different? I submit to you that I found it to be a step better. One day, a friend shared with me how he was earning the same income I was, but that he was doing so from home without the overhead, employees, insurance, stress, and being subject to market conditions. He was doing so in a network marketing business. At first I refuted him by denouncements that he was in a pyramid scheme. He asked me to explain why. I shared that he was earning money off the backs of others he recruited into his downline, not from his own efforts. He replied, “Do you mean like your family earns money off the backs of the real estate agents in your company?” I froze, and anyone who knows me knows how quick-witted I normally am. Then he said, “Who is working smarter, you or your dad and brother?” Now I was mad. Not at him, but at myself. That was my light bulb moment. I had been closed-minded and it was costing me. That was the birth of my enlightenment, and I began to enter and study this network marketing profession. Let me explain why I found it to be a step better. My research led me to learn why this business model made so much sense for a company that wanted a cost-effective way to bring a product to market. Instead of spending millions in traditional media ad buys, which has a declining effectiveness, companies are opting to employ the network marketing model. In doing so, the company only incurs marketing cost if and when a sale is made. They get an army of word-of-mouth salespeople using the most effective way of influencing buying decisions, who only get paid for performance. No salaries, only commissions. But what is also employed is a high sense of motivation, wherein these salespeople can be building a business of their own and not just be salespeople. If they choose to recruit others and teach them how to sell the product or service, they can earn override income just like the broker in a real estate company does. So now they see life through a different lens, as a business owner waking up each day excited about the future they are building for themselves. They are not salespeople; they are business owners.