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A long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy’s country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, “You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice—we win, or we perish! They won.

With the managed care movement of the 1980s and 1990s, insurance companies cut costs and reduced what services they’d pay for. They required that patients give up their longtime physicians for those on a list of approved providers. They negotiated lower fees with doctors. To make up the difference, primary care docs had to fit more patients into a day. (A Newsweek story claimed that to do a good job a primary care doctor ought to have a roster of eighteen hundred patients. The average load today is twenty-three hundred, with some seeing up to three thousand.)

The universe was playing with loaded dice, which insured an excess of cowards in our ranks.

It was a rite of passage each year at Manhattan Life Insurance Company. The golden doors would open every summer to a new crop of bright-eyed college students, all of which were over-qualified for a job that required little more than a high school-equivalent GED and a fully loaded MetroCard.

The split has widened because the right has moved right, not because the left has moved left. Republican presidents Eisenhower, Nixon, and Ford all supported the Equal Rights Amendment. In 1960, the GOP platform embraced "free collective bargaining" between management and labor. REpublicans boasted of "extending the minimum wage to several million more workers" and "strengthening the unemployment insurance system and extension of its benefits." Under Dwight Eisenhower, top earners were taxed at 91 percent; in 2015, it was 40 percent. Planned Parenthood has come under serious attack from nearly all Republican presidential candidates running in 2016. Yet a founder of the organization was Peggy Goldwater, wife of the 1968 conservative Republican candidate for president Barry Goldwater. General Eisenhower called for massive invenstment in infrastructure, and now nearly all congressional Republicans see such a thing as frightening government overreach. Ronald Reagan raised the national debt and favored gun control, and now the Republican state legislature of Texas authorizes citizens to "open carry" loaded guns into churches and banks. Conservatives of yesterday seem moderate or liberal today.

Over the years, Charlie and I have seen all sorts of bad corporate behavior, both accounting and operational, induced by the desire of management to meet Wall Street expectations. What starts as an “innocent” fudge in order to not disappoint “the Street” — say, trade-loading at quarter-end, turning a blind eye to rising insurance losses, or drawing down a “cookie-jar” reserve — can become the first step toward full-fledged fraud. Playing with the numbers “just this once” may well be the CEO’s intent; it’s seldom the end result. And if it’s okay for the boss to cheat a little, it’s easy for subordinates to rationalize similar behavior.

The real city had been burned down many times in its long history—out of revenge, or carelessness, or spite, or even just for the insurance. Most of the big stone buildings that actually made it a city, as opposed simply to a load of hovels all in one place, survived them intact and many people22 considered that a good fire every hundred years or so was essential to the health of the city since it helped to keep down the rats, roaches, fleas and, of course, people not rich enough to live in stone houses.

MORE THAN SEVEN million people in the Chicago area, something like ten million road vehicles, but only one white truck had been reported stolen in the twenty-four-hour period between Sunday and Monday. It was a white Ford Econoline. Owned and operated by a South Side electrician. His insurance company made him empty the truck at night, and store his stock and tools inside his shop. Anything left inside the truck was not covered. That was the rule. It was an irksome rule, but on Monday morning when the guy came out to load up and the truck was gone, it started to look like a rule which made a whole lot of sense. He had reported the theft to the insurance broker and the police, and he was not expecting to hear much more about it. So he was duly impressed when two FBI agents turned up, forty-eight hours later, asking all kinds of urgent questions.

First, A ship of the finest make and model available shall be furnished to carry the constructors home. 2nd, The said ship shall be laden with various cargo as here specified: diamonds—four bushels, gold coin—forty bushels, platinum, palladium, and whatever other ready valuables they happen to think of—eight bushels of each, also whatever mementos and tokens from the Royal Apartments the signatories of this instrument may deem appropriate. 3rd, Until such time as the said ship shall be in readiness for takeoff, every nut and bolt in place, fully loaded and delivered up to the constructors complete with red carpet, an eighty-piece send-off band and children's chorus, an abundance of honors, decorations and awards, and a wildly cheering crowd—until then, no King. 4th, That a formal expression of undying gratitude shall be stamped upon a gold medallion and addressed to Their Most Sublime and Radiant Constructors Trurl and Klapaucius, Delight and Terror of the Universe, and moreover it shall contain a full account of their victory and be duly signed and notarized by every high and low official in the land, then set in the richly embellished barrel of the King's favorite cannon, which Lord Protozor, Master of the Royal Hunt, shall himself and wholly unaided carry on board—no other Protozor but the one who lured Their Most Sublime and Radiant Constructors to this planet thinking to work their painful and ignominious death thereby. 5th, That the aforesaid Protozor shall accompany them on their return journey as insurance against any sort of double-dealing, pursuit, and the like. On board he shall occupy a cage three by three by four feet and shall receive a a daily allowance of humble pie with a filling made of that very same sawdust which Their Most Sublime and Radiant Constructors saw fit to order in the process of indulging the King's foolishness and which was subsequently taken to police headquarters by unmarked balloon. 6th and lastly, The King need not crave forgiveness of Their Most Sublime and Radiant Constructors on bended knee, since he is much too beneath them to deserve notice.

All merchant ships have load lines painted on both the port and starboard sides amidships. In most cases these markings are welded or etched into the steel plates of the hull to ensure that they not be altered. The allowable freeboard of vessels is measured between the lowest point of the uppermost continuous deck and the waterline. The purpose of the various load lines is to show the amount of freeboard the ship must have under various conditions. These load lines make it obvious for anyone to see if a ship has been overloaded. The waterline or load line is calculated and verified by a regulating classification society, recognized by the authorities at the vessels homeport, shown on the stern and accepted by the ships appropriate country of origin. This marking system was invented in 1876 by Samuel Plimsoll. A politician and social reformer, Plimsoll directed his efforts against what were known as "coffin ships." Unseaworthy and overloaded vessels were frequently heavily insured by unscrupulous owners, who risked the lives of the crew.

A long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy's country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, "You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice-we win-or we perish!  They won.

Along with John and Judi, we took a big risk and started filming on the movie before we had a contract signed with MGM. There didn’t seem to be any choice. I imagined all the insurance underwriters across the world reacting to the phrase “live crocodiles.” Those two words would be enough to blow them right out of their cubicles. So we began shooting with our zoo crocodiles, but without signatures on the dotted line for the movie. A particular scene in the script--and a good example of an insurance man’s nightmare--had a crocodile trying to lunge into a boat. Only Steve’s expertise could make this happen, since the action called for Steve and me to be in the boat at the time. If the lunging crocodile happened to hook his head over the edge of the boat, he would tip us both into the water. That would be a one-way trip. “How are you going to work it?” I asked Steve. “Get the crocs accustomed to the dinghy first,” he said. “Then I’ll see if I can get them interacting with me while I’m in the boat.” First he tried Agro, one of our biggest male crocs. Agro was too wary of the boat. He’s a smart crocodile. I think he remembered back when he was captured. He didn’t want any of it. We decided to try with our friend Charlie. Charlie had been very close to ending up at a farm, his skin turned into boots, bags, and belts. He definitely had attitude. He spent a lot of his time trying to kill everything within range. Steve felt good about the possibility of Charlie having a go. Because he was filming a movie and not shooting a documentary, John had a more complex setup than usual, utilizing three thirty-five-millimeter cameras. Each one would film in staggered succession, so that the film magazine changes would never happen all at once. There would never be a time when film was not rolling. We couldn’t very well ask a crocodile to wait while a fresh mag was loaded into a camera. “You need to be careful to stay out of Charlie’s line of sight,” Steve said to me. “I want Charlie focusing only on me. If he changes focus and starts attacking you, it’s going to be too difficult for me to control the situation.” Right. Steve got no argument from me. Getting anywhere near those bone-crushing jaws was the furthest thing from my mind. I wasn’t keen on being down on the water with a huge saltwater crocodile trying to get me. I would have to totally rely on Steve to keep me safe.

Therefore, the president added, “There is a moral component to this that we can’t leave behind. Having said that,” he continued, “if we don’t address costs, we will not get this done. If people think we’re simply gonna take everyone who’s not insured and load them up into a system … the federal government will be bankrupt. State governments will be bankrupt. I’m talking to you liberal bleeding hearts out there,” he added. “Don’t think that we can solve this problem without tackling costs. And that may make some in the progressive community uncomfortable but it’s gotta be dealt with.

So how is it that health insurance costs have been skyrocketing? It’s explained by the money games of medicine, loaded with middlemen, kickbacks, and hidden costs.

Unknown to most people, much of the gold that had supposedly flown into France as actually sitting in London. Bullion was so heavy - a seventeen-inch cube weighs about a ton - that instead of shipping crates of it across hundreds of miles from one country to another and paying high insurance, central banks had taken to "earmarking" the metal, that is, keeping it in the same vault but simply re-registering its ownership. Thus the decline in Britain's gold reserves and their accumulation in France and the United States was accomplished by a group of men descending into the vaults of the Bank of England, loading some bars of bullion onto a low wooden truck with small rubber tires, trundling them thirty feet across the room to the other wall, and offloading them, though not before attaching some white name tags indicating that the gold now belonged to the Banque de France or the Federal Reserve Bank. That the world was being subject to a progressively tightening squeeze on credit just because there happened to be too much gold on one side of the vault and not enough on the other provoked Lord d'Abrenon, Britain's ambassador to Germany after the war and now an elder statesmen-economist, to exclaim, "This depression is the stupidest and most gratuitous in history.

The optimum image is the teak cockpit loaded soft with brown dazed girls while the eagle-eyed skipper on his fly bridge chugs Baby Dear under a lift bridge to keep a hundred cars stalled waiting in the sun, their drivers staring malignantly at the slow passage of the lazy-day sex float and the jaunty brown muscles of the man at the helm. But the more frequent reality is a bust gasket, Baby Dear drifting in a horrid chop, girls sun-poisoned and whoopsing, hero skipper clenching the wrong size wrench in barked hands and raising a greasy scream to the salty demons who are flattening his purse and canceling his marine insurance.

So when should you sell? Here a few definite red flags: a sharp and unexpected change in strategy, such as a “value” fund loading up on technology stocks in 1999 or a “growth” fund buying tons of insurance stocks in 2002; an increase in expenses, suggesting that the managers are lining their own pockets; large and frequent tax bills generated by excessive trading; suddenly erratic returns, as when a formerly conservative fund generates a big loss (or even produces a giant gain).

A long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy’s country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, “You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice—we win—or we perish! They won.

A long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy’s country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, “You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice-we win-or we perish! They won. Every person who wins in any undertaking must be willing to burn his ships and cut all sources of retreat. Only by so doing can one be sure of maintaining that state of mind known as a burning desire to win, essential to success.

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