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Aye. 'Tis a free country." Monq had come to check on Elora just as she asked that question. "Well, that kind of has to be qualified," he interjected. "You can't come or go without a passport. You can't drive without a driver's license, registration, auto insurance and proof that your vehicle is up to code. You can't work or even get health care without a social security number. You have to pay taxes on everything including air and water. The closest distance between point A and B may involve paying a road toll. There are over three hundred thousand federal laws. You have to educate your children according to legal standards set by someone that's not you. There are laws about who can marry whom. But other than a few more such trivialities, it's a free country.

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.

Our feet have been planted upon this sacred soil for a wise purpose. This land has been dedicated for the blessing of mankind. The Constitution and the laws that have been enacted under its provisions are calculated to insure liberty, not license, to all who dwell here. This church with which we are identified stands, if it stands for anything, for the perpetuation of the liberties of all mankind. We should not listen to those who find pleasure in teaching sedition. Neither should we follow those who claim to be citizens of this land, who go about violating the laws that govern it. There are many who are failing to do their duty as citizens who have the right of franchise, but who are unworthy of that blessing that has come to those who live in this wonderful country.

It might be instructive to try seeing things from the perspective of, say, a God-fearing hard-working rural-Midwestern military vet. It's not that hard. Imaging gazing through his eyes at the world of MTV and the content of video games, at the gross sexualization of children's fashions, at Janet Jackson flashing her aureole on what's supposed to be a holy day. Imagine you're him having to explain to your youngest what oral sex is and what it's got to do with a US president. Ads for penis enlargers and HOT WET SLUTS are popping up out of nowhere on your family's computer. Your kids' school is teaching them WWII and Vietnam in terms of Japanese internment and the horrors of My Lai. Homosexuals are demanding holy matrimony; your doctor's moving away because he can't afford the lawsuit insurance; illegal aliens want driver's licenses; Hollywood elites are bashing America and making millions from it; the president's ridiculed for reading his Bible; priests are diddling kids left and right. Shit, the country's been directly attacked, and people aren't supporting our commander in chief.

Original sin is now also translated into sickness, calling in a new and scientific priest craft who rush to the rescue. Man is sick, addicted, lame, and dangerous, needing constant protection and supervision by the state, insurance companies, and a never-ending parade of caring, licensed professionals. We are told over and over again that man’s illness and addictions are costing US billions. Man the slave/resource, is causing US trouble, he is interfering with OUR Plans. Man’s debt has now increased a billion-fold. Those who question the “plans” or the sanity of the metaphors in play, are diagnosed as morally unfit or mentally ill. Evil emerges as a metaphor which refers to those who refuse to accept the Plan—the prevailing Garden of Eden—created by God so She may bestow Her Love and Grace. If man refuses he must be force-fed.

seldom list my formal academic credentials because, honestly, I don’t think they are important. I have met so many broke people with financial credentials that I almost think it discredits me to have had formal training. Yes, I have a degree in finance. Yes, I have been or am licensed in real estate, insurance, and investments. Yes, I do have many of the stupid letters to put after my name. But the thing that qualifies me most to teach about money is that I have done stupid things with zeros on the end. I have been there, done that. I have a PhD in D-U-M-B.

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.

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.

Something that looked like a giant black bee whooshed by them and careened around the curve ahead. She sat up, startled. “What was that?” “Carload of Negroes.” “Mercy, what do they think they’re doing?” “That’s the way they assert themselves these days,” Henry said. “They’ve got enough money to buy used cars, and they get out on the highway like ninety-to-nothing. They’re a public menace.” “Driver’s licenses?” “Not many. No insurance, either.

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!

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?

Or is it the opposite-that the US has moved so far and so fast toward cultural permissiveness that we've reached a kind of apsidal point? It might be instructive to try seeing things from the perspective of, say, a God-fearing hard-working rural-Midwestern military vet. It's not that hard. Imagine gazing through his eyes at the world of MTV and the content of video games, at the gross sexualization of children's fashions, at Janet Jackson flashing her aureole on what's supposed to be a holy day. Imagine you're him having to explain to your youngest what oral sex is and what it's got to do with a US president. Ads for penis enlargers and Hot Wet Sluts are popping up out of nowhere on your family's computer. Your kids' school is teaching them WWII and Vietnam in terms of Japanese internment and the horrors of My Lai. Homosexuals are demanding holy matrimony; your doctor's moving away because he can't afford the lawsuit insurance; illegal aliens want driver's licenses; Hollywood elites are bashing America and making millions from it; the president's ridiculed for reading his Bible; priests are diddling kids left and right. Shit, the country's been directly attacked, and people aren't supporting our commander in chief. Assume for a moment that it's not silly to see things this man's way. What cogent, compelling, relevant message can the center and left offer him? Can we bear to admit that we've actually helped set him up to hear "We 're better than they are" not as twisted and scary but as refreshing and redemptive and true? If so, then now what?

The women who came in groups, they were frivolous, fancy, boozy, ready to have fun. The ones who came alone, though, they wanted to believe. They were desperate, and they didn’t have good enough insurance for a therapist. Or they didn’t know they were desperate enough to need a therapist. It was hard to feel sorry for them. I tried to because you don’t want your mystic, the keeper of your future, to roll her eyes at you. But I mean, come on. Big house in the city, husbands who didn’t beat them and helped with the kids, sometimes with careers but always with book clubs. And still they felt sad. That’s what they always ended up saying: “But I’m just sad.” Feeling sad means having too much time on your hands, usually. Really. I’m not a licensed therapist but usually it means too much time.

If you are stuck in circumstances in which it takes Herculean efforts to get through the day— doing low-income work, obeying an authoritarian boss, buying clothes for the children, dealing with school issues, paying the rent or mortgage, fixing the car, negotiating with a spouse, paying taxes, and caring for older parents— it is not easy to pay close attention to larger political issues. Indeed you may wish that these issues would take care of themselves. It is not a huge jump from such a wish to become attracted to a public philosophy, spouted regularly at your job and on the media, that economic life would regulate itself automatically if only the state did not repeatedly intervene in it in clumsy ways. Now underfunded practices such as the license bureau, state welfare, public health insurance, public schools, public retirement plans, and the like begin to appear as awkward, bureaucratic organizations that could be replaced or eliminated if only the rational market were allowed to take care of things impersonally and quietly, as it were. Certainly such bureaucracies are indeed often clumsy. But more people are now attracted to compare that clumsiness to the myth of how an impersonal market would perform if it took on even more assignments and if state regulation of it were reduced even further. So a lot of “independents” and “moderates” may become predisposed to the myth of the rational market in part because the pressures of daily life encourage them to seek comfort in ideological formations that promise automatic rationality.

Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

Batteries, Bug repellent, Belts, Bags , Barbecue equipment, Boots, Bath towels. Bikes, Bike rack. C - Cash and credit cards, Cell phones & chargers, Camera and film/memory cards, Coffee pot, Can opener, Cups, Cutlery, Computer, Clock, Cleaning utensils, Clothes and coats, Camping Guides, Condiments (salt, sugar, pepper). D - Dishes, Drainers, Disinfectant. F - First Aid kit, Fire Extinguishers G - Glasses, (drinking, reading, sun), Games. H -Herbs, Hair brushes, Headphones. K -Keys (house, RV, Lockers), Kindle & cable, Kitchen Gadgets. M - Medication. Money belts, Measuring implements, Maps, P - PERSONAL DOCUMENTS: Passports, Health Certificates, Insurance, Driving License, RV documents, Power adapters, Pens, Pets:

Meanwhile, our patchwork regulatory system insures that no single institution is keeping track of how many deaths and injuries befall healthy subjects in clinical trials. Nobody appears to be tracking how many clinical investigators are incompetent of have lost their licenses, or have questionable disciplinary records.. Nobody is monitoring the effect that so many trials have on the health of professional guinea pigs. In fact, nobody is even certain whether the trials generate reliable data.

blockchain technology records financial transactions made with digital currencies such as Bitcoin, it will in the future serve as a registrar for things as different as birth and death certificates, titles of ownership, marriage licenses, educational degrees, insurance claims, medical procedures and votes

AT A.T Pioneer Roofing we are the premier metal roofing specialists in Corpus Christi. We provide both residential and commercial roofing services. We install all types of metal roofs such as aluminum roof, copper roofs and stand seam metal roofs. We are both licensed and insured in the state of Texas. We not only serve Corpus Christi but also surrounding areas as well.

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We'd better get out of here fast," Nadia says, "before anyone notices." "Or before our conman friend wakes up," Autumn says. "I doubt Mr. John Smith will be overjoyed when he wakes up and I, for one, would rather not be around to witness it. I also lifted his mobile phone and his wallet," I tell them with a certain amount of pride. "Hopefully, it means that he won't be able to contact you again, Chantal." "Is his driver's license in his wallet?" I flick through the pockets until I found it. "Yes. His real name is Felix Levare." "Could be another alias." Chantal takes it from me. "But I'll keep that as a little extra insurance anyway," she says. There's a wad of cash in the wallet which I help myself to. "This can all go to a deserving charity," I say, then throw the wallet and the mobile phone into the lake after his car. They also splash satisfyingly and then sink without trace. I press the money into Autumn's hands. "Take it and buy some chocolate for your druggie kids." She takes the cash and pockets it. "Thanks.

Driver's license, insurance and registration? Certainly officer...and I will need your name, badge number and business card.

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When I met him, Don’s New York State driver’s license had been suspended; this happens when you’ve drawn enough speeding tickets, and he was always good at that. He wouldn’t have wanted a car anyway on West 46th Street, but that changed when he moved out to Canarsie. And the day came when the three-year suspension was up, and his license was restored. Whereupon he bought a car, and applied for insurance. And was astonished when the insurance company gave him a safe driver discount because he hadn’t had an accident or a speeding ticket in the past three years. There’s a word for that sort of thing. Westlakean.

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4. Priceless versus worthless: The cost of materials today ranges from $0.1 per kg for wood to $4 trillion per kg for certain pharmaceuticals (reimbursable by health insurance). With revolutions in smart materials and molecular engineering, all materials and objects could be reduced to the range of $0.2 per kg (electronics, clothes, foods, cosmetics, and so on)—or people could spend more and more for less and less via clever branding, copyright and patent laws, elaborate licensing and regulatory schemes, and the like. Or is there a way of artfully combining and integrating all of the above?

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General cases are all complaints related to industrial accident insurance, national certificates and license, excluding those related to the reward for patriots and

To look at the multivitamin as an insurance policy is like looking at a marriage license as a guarantee of the union’s permanence.

I was crying so hard that I didn’t even want to bring my hands away. “Babe, stop crying,” he said with a chuckle. He looked at me and bit down on his lip making me all shy-like again. I backed away and tried to pull away from him to keep myself from crying even more. “You did all this?” I asked him, and he nodded. “I mean…I made sure it got set up. Tangie helped, but that’s why ain’t nobody been up here. They been taking care of this and making sure everything was right for you. Remember the chick that came through and said she needed our IDs and for us to sign for some insurance and shit?” “Yes,” I said and looked up at him and into his eyes. “That was my homegirl from the clerk’s office. She was filling the shit out we needed for the marriage license.” I laughed and hit Khi on the arm. I looked around, still amazed at how beautiful everything was. The place was filled with flowers, and a few candles were even lit at the front of the small chapel. “What about my hair…and what about what I have on?” I asked Khi, and he bit down on that damn lip again. “Don’t worry about your hair. You was ugly when I met you, so it’s only right I marry you looking the same way.” I cracked up laughing, and so did the nurse that stood by next to the wheelchair that she had wheeled Khi down in. I looked up at him with seriousness in my eyes and mouthed thank you to him. This wasn’t the dream wedding that I had wanted, but it was better, because my soon-to-be husband had planned it.

critics would complain if he spent billions on vaccines and nothing on therapeutics. However, any licensed, repurposed antiviral that was effective against COVID for prevention or early treatment (like IVM or HCQ) could kill his entire vaccine program because FDA wouldn’t be able to grant his jabs Emergency Use Authorization. Remdesivir, however, was an IV remedy, appropriate only for use on hospitalized patients in the late stages of illness. It would therefore not compete with vaccines, allowing Dr. Fauci to support it without compromising his core business. Furthermore, while HCQ and IVM were off-patent and available generically, remdesivir was in the sweet spot of still being on patent. The potential profit upside was impressive. Remdesivir cost Gilead $10 per dose to manufacture.18,19 But by granting Gilead an EUA, regulators could force private insurers, Medicare, and Medicaid to fork over around $3,120.00 per treatment—hundreds of times the cost of the drug.20,21 Gilead predicted remdesivir would bring in $3.5 billion in 2020 alone.

They could forget about college. Maybe they didn't want college anyway. Maybe they didn't want degrees and titles and weekend workdays. They could live lives unburdened by transcripts, certificates, licenses, applications, dissertations, diversifications, stocks and bonds and dividends, insurance and annuities and 401(k)s, fashion trends, pantyhose, stuffy suit coats, bow ties, boring parties where the humans squandered irreplaceable minutes on suffocating small talk and no one partook in Dionysian pursuits and everyone went home early feeling empty inside despite the excesses of the cheese tray.

Thomas Rauchegger of Cramer & Rauchegger, Inc. is an accomplished financial consultant, licensed Series 7 Securities Representative, a Series 66 holder, a Certified Estate planner, and a life insurance license holder who obtained a Master of Business Administration from the University of Central Florida. In his 15 years of experience, Tom has adopted a philanthropic approach in the areas of finance and estate planning – delivering reliable and trustworthy service to all clients as an advocate for the best-possible retirement years.

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I was recently reminded of one possible reason that so many therapists are so insistent on arriving at a clinical diagnosis, and, not surprisingly, it’s directly related to problems with the health care system in America. A licensed professional counselor who has worked in the mental health field for many years wrote to say that even though she grew up in a family who strongly believe in the paranormal and in their own psychic gifts, “working with [psychic] kids is definitely a challenge in a pure clinical practice since this is not something you can bill insurance for.” Her point is very valid. Medical and mental health professionals must provide a clinical—and billable—diagnosis in order to receive payment from insurance companies. It is frightening to imagine how many children have been misdiagnosed, mislabeled, and mistreated because of the need to satisfy insurance guidelines!

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The old man was on to something. The summer of the city’s resurrection had also been the summer of scams—coal scams, iron-ore scams, housing scams, insurance scams, stamp-paper scams, phone-license scams, land scams, dam scams, irrigation scams, arms and ammunition scams, petrol-pump scams, polio-vaccine scams, electricity-bill scams, school-book scams, God Men scams, drought-relief scams, car-number-plate scams, voter-list scams, identity-card scams—in which politicians, businessmen, businessmen-politicians and politician-businessmen had made off with unimaginable quantities of public money.

birth certificate and death certificate, both issued in Cook County, Illinois. Laura’s various diplomas, her birth certificate from Rhode Island, her social security card, her driver’s license. Andrea Eloise Mitchell’s record of live birth dated August 20, 1987. The deed to the Belle Isle house. Immunization records. Marriage license. Divorce decree. Car titles. Insurance cards. Bank statements. Credit card statements.

OVER THE next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a “Negro invasion” was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines—“Colored Buyers!”—which they ran in San Francisco newspapers.

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But we also mixed in some vinegar. Menashe Shapiro, who ran our research shop, started compiling a list of campaign donations to Governor Cuomo by the insurance industry. The comms team started preparing pitches about pay-to-play politics and regulatory capture. We prepared a letter from a host of major VCs to the governor saying that if New York couldn’t license a company like Lemonade, there was no reason to invest in New York’s tech sector. We created an online petition calling on the governor to respect consumer rights.

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive. At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present. So once East Palo Alto was integrated, whites wanting to move into the area could no longer obtain government-insured mortgages. State-regulated insurance companies, like the Equitable Life Insurance Company and the Prudential Life Insurance Company, also declared that their policy was not to issue mortgages to whites in integrated neighborhoods. State insurance regulators had no objection to this stance. The Bank of America and other leading California banks had similar policies, also with the consent of federal banking regulators. Within six years the population of East Palo Alto was 82 percent black. Conditions deteriorated as African Americans who had been excluded from other neighborhoods doubled up in single-family homes. Their East Palo Alto houses had been priced so much higher than similar properties for whites that the owners had difficulty making payments without additional rental income. Federal and state hosing policy had created a slum in East Palo Alto. With the increased density of the area, the school district could no longer accommodate all Palo Alto students, so in 1958 it proposed to create a second high school to accommodate teh expanding student population. The district decided to construct the new school in the heart of what had become the East Palo Alto ghetto, so black students in Palo Alto's existing integrated building would have to withdraw, creating a segregated African American school in the eastern section and a white one to the west. the board ignored pleas of African American and liberal white activists that it draw an east-west school boundary to establish two integrated secondary schools. In ways like these, federal, state, and local governments purposely created segregation in every metropolitan area of the nation.

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Maybe Sloan would agree to a deal. I’d talk to someone about some of my issues if she would agree to go to grief counseling. It wasn’t me giving in to Josh like she wanted, but Sloan knew how much I hated therapists, and she’d always wanted me to see someone. I was debating how to pitch this to her when I glanced into the living room and saw it—a single purple carnation on my coffee table. I looked around the kitchen like I might suddenly find someone in my house. But Stuntman was calm, plopped under my chair. I went in to investigate and saw that the flower sat on top of a binder with the words “just say okay” written on the outside in Josh’s writing. He’d been here? My heart began to pound. I looked again around the living room like I might see him, but it was just the binder. I sat on the sofa, my hands on my knees, staring at the binder for what felt like ages before I drew the courage to pull the book into my lap. I tucked my hair behind my ear and licked my lips, took a breath, and opened it up. The front page read “SoCal Fertility Specialists.” My breath stilled in my lungs. What? He’d had a consultation with Dr. Mason Montgomery from SoCal Fertility. A certified subspecialist in reproductive endocrinology and infertility with the American Board of Obstetrics and Gynecology. He’d talked to them about in vitro and surrogacy, and he’d had fertility testing done. I put a shaky hand to my mouth, and tears began to blur my eyes. I pored over his test results. Josh was a breeding machine. Strong swimmers and an impressive sperm count. He’d circled this and put a winking smiley face next to it and I snorted. He’d outlined the clinic’s high success rates—higher than the national average—and he had gotten signed personal testimonials from previous patients, women like me who used a surrogate. Letter after letter of encouragement, addressed to me. The next page was a complete breakdown on the cost of in vitro and information on Josh’s health insurance and what it covered. His insurance was good. It covered the first round of IVF at 100 percent. He even had a small business plan. He proposed selling doghouses that he would build. The extra income would raise enough money for the second round of in vitro in about three months. The next section was filled with printouts from the Department of International Adoptions. Notes scrawled in Josh’s handwriting said Brazil just opened up. He broke down the process, timeline, and costs right down to travel expenses and court fees. I flipped past a sleeve full of brochures to a page on getting licensed for foster care. He’d already gone through the background check, and he enclosed a form for me, along with a series of available dates for foster care orientation classes and in-home inspections. Was this what he’d been doing? This must have taken him weeks. My chin quivered. Somehow, seeing it all down on paper, knowing we’d be in it together, it didn’t feel so hopeless. It felt like something that we could do. Something that might actually work. Something possible. The last page had an envelope taped to it. I pried it open with trembling hands, my throat getting tight. I know what the journey will look like, Kristen. I’m ready to take this on. I love you and I can’t wait to tell you the best part…Just say okay. I dropped the letter and put my face into my hands and sobbed like I’d never sobbed in my life. He’d done all this for me. Josh looked infertility dead in the eye, and his choice was still me. He never gave up. All this time, no matter how hard I rejected him or how difficult I made it, he never walked away from me. He just changed strategies. And I knew if this one didn’t work he’d try another. And another. And another. He’d never stop trying until I gave in. And Sloan—she knew. She knew this was here, waiting for me. That’s why she’d made me leave. They’d conspired to do this.

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Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive.

Soon after the American left, things changed. The government, desperate for tax dollars, levied a series of boating, gaming, and license fees: To continue fishing, the Mexican must pay $400 for a fishing license, a $200 environmental fee, a $350 game endorsement, and $1,800 in mooring fees. If he doesn’t pay ASAP, the Mexican will be barred from fishing. Unfortunately, after paying all the fees, the Mexican has little money left to insure and license his boat. Unable to legally operate at his favorite coastal town, the Mexican fisherman drives three hours south to another town, where the quality of the fish is poor. The long drive takes its toll on the Mexican’s car, where it ultimately breaks down. In order to fix his car, he needs $200 for a water pump and $400 for a radiator. This is after he pays $600 to get his car towed back to his village. But this story is about to get worse. When the Mexican fails to pay the mooring fees to the harbor master, he loses his boat. The Mexican fisherman who spent most of his days in a state of unpreparedness and merriment—strumming around with his friends, sipping wine—is now unable to support his family. His wife divorces him. The Mexican now sings a different tune with his amigos … something along the lines of “Money can buy happiness.

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Asking him about how I was expected to do all of this, he told me that “Maine turns out good seaman and they needed another Harbor Pilot at the Liberian Port.” At first I didn’t understand his reasoning for this, however he explained that Farrell Lines, being one of three American companies that constituted the “Port of Monrovia Company,” had the responsibility to operate the marine part of it. Liam Janssens, the chief pilot, was leaving for Belgium and would be on leave for the next few months. He explained that the junior pilot was skilled and anything but junior. Captain Wethersfield came from England and had been involved in coordinating the difficult evacuation from Dunkirk. He would have taken over for Liam, but having been wounded hampered his ability to climb the ladder from the tug to the ship! He also let it be known that he felt that he had the promotion coming and told Captain Hickey as much. Hickey was caught between a rock and a hard place as he told me “You know the harbor as well as anyone, so the job is yours; that is if you want it.” His purpose for doing it this way was first to avoid hiring Wethersfield who in effect, challenged Captain Hickey authority and secondly he had confidence that I could handle it. Besides “You know that everything pretty much runs itself and it would be a nice way to earn an extra few bucks!” He was saying that this would allow me to run the MV Cestos and still be able to fill in as a harbor pilot…. It was a job I wasn’t licensed for or had ever done. To me it was just another violation of the norms accepted in the rest of the world. Legally I would be covered with Liberian endorsements and besides, who would know the difference just as long as everything went smoothly during the weeks ahead? Personally I didn’t think that he took into account the immense liability involved but this was West Africa where most things were fudged anyway, and besides, since this hadn’t been planned for, he didn’t have much choice! I couldn't help but wonder about international licensing laws, possible insurance consequences, not to mention his own rules.

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