Managing Credit Quotes

I don't get nearly enough credit in life for the things I manage not to say.

Life was not easy, nor was it happy, but she did not expect life to be easy, and, if it was not happy, that was woman's lot. It was a man's world, and she accepted it as such. The man owned the property, and the woman managed it. The man took credit for the management, and the woman praised his cleverness. The man roared like a bull when a splinter was in his finger, and the woman muffled the moans of childbirth, lest she disturb him. Men were rough of speech and often drunk. Women ignored the lapses of speech and put the drunkards to bed without bitter words. Men were rude and outspoken, women were always kind, gracious and forgiving.

It's not one of the posed shots- it's one he didn't even realize had been taken, one he definitely didn't think would be released. He should have given the photographer more credit. He managed to capture the moment right when Henry cracked a joke, a candid, genuine photo, completely caught up in each other, Henry's arm around him and his own hand reaching up to grasp for Henry's on his shoulder. The way Henry's looking at him in the picture is so affectionate, so openly loving, that seeing it from a third person perspective almost makes Alex want to look away, like he's staring into the sun. He called Henry the North Star once. That wasn't bright enough.

They all attended Hester's church, which Dellarobia viewed as a complicated pyramid scheme of moral debt and credit resting ultimately on the shoulders of the Lord, but rife with middle managers.

To the everlasting credit of the people of District 12, not one person claps. Not even the ones holding betting slips, the ones who are usually beyond caring. Possibly because they know me from the Hob, or knew my father, or have encountered Prim, who no one could help loving. So instead of acknowledging applause, I stand there unmoving while they take part in the boldest form of dissent they can manage. Silence. Which says we do not agree. We do not condone. All of this is wrong.

She said, “Do you see how I’m wearing this apron? It means I’m working. For a living.” The unconcerned expression didn’t flag. He said, “I’ll take care of it.” She echoed, “Take care of it?” “Yeah. How much do you make in an hour? I’ll take care of it. And I’ll talk to your manager.” For a moment, Blue was actually lost for words. She had never believed people who claimed to be speechless, but she was. She opened her mouth, and at first, all that came out was air. Then something like the beginning of a laugh. Then finally, she managed to sputter, “I am not a prostitute.” The Aglionby boy appeared puzzled for a long moment, and then realization dawned. “Oh, that was not how I meant it. That is not what I said.” “That is what you said! You think you can just pay me to talk to your friend? Clearly you pay most of your female companions by the hour and don’t know how it works with the real world, but . . . but . . .” Blue remembered that she was working to a point, but now what that point was. Indignation had eliminated all higher functions and all that remained was the desire to slap him. The boy opened his mouth to protest, and her thought came back to her all in a rush. “Most girls, when they’re interested in a guy, will sit with them for free.” To his credit, the Aglionby boy didn’t speak right away. Instead, he thought for a moment and then he said, without heat, “You said you were working for living. I thought it’d be rude to not take that into account. I’m sorry you’re insulted. I see where you’re coming from, but I feel it’s a little unair that you’re not doing the same for me.” “I feel you’re being condescending,” Blue said. In the background, she caught a glimpse of Soldier Boy making a plane of his hand. It was crashing and weaving toward the table surface while Smudgy Boy gulped laughter down. The elegant boy held his palm over his face in exaggerated horror, fingers spread just enough that she could see him wince. “Dear God,” remarked Cell Phone boy. “I don’t know what else to say.” “Sorry,” she recommended. “I said that already.” Blue considered. “Then ‘bye.’” He made a little gesture at his chest that she thought was supposed to mean he was curtsying or bowing or something sarcastically gentleman-like.

Ellen's life was not easy, nor was it happy, but she did not expect life to be easy, and, if it was not happy, that was woman's lot. It was a man's world, and she accepted it as such. The man owned the property, and the woman managed it. The man took credit for the management, and the woman praised his cleverness. The man roared like a bull when a splinter was in his finger, and the woman muffled the moans of childbirth, lest she disturb him. Men were rough of speech and often drunk. Women ignored the lapses of speech and put the drunkards to bed without bitter words. Men were rude and outspoken, women were always kind, gracious and forgiving.

No man will make a great leader who wants to do it all himself or get all credit for doing it.

As long as management is quick to take credit for a firm’s successes but equally swift to blame its workers for its failures, no surefire remedy for low productivity can be expected in American manufacturing and service industries.

A credit card allows you transcend time. For it allows you to put off until tomorrow what you bought today, while you are still paying what you bought yesterday.

If you show up late [for anger management], you don't get credit for the class, which made that car ride even more of a test of your temper. Being late was great-you could leave if you wanted to, but that wasn't going to help you at all. I was late a few times and I always stayed, hoping to get credit for good behavior. I never did, and that made me really fucking angry. Thank God I was learning how to deal with that.

Treat your work as a refuge—an oasis of control and creative satisfaction in the midst of the bad stuff. Don’t beat yourself up if you’re not on fire creatively every day—give yourself credit if you show up for work and make even a small amount of progress. When you put down your tools for the day, you may even see your personal situation with a fresh eye. POVERTY

Not having money is time consuming. There are hours spent at laundromats, hours at bus stops, hours at free clinics, hours at thrift stores, hours on the phone with the bank or the credit card company or the phone company over some fee, some little charge, some mistake

You only ever have three things: 1) your self, wellbeing and mindset 2) Your life network, resources and resourcefulness 3) Your reputation and goodwill. Treasure and tend the first. Value, support and build the second. And mindfully, wisely ensure that the third (your life current and savings account) is always in credit.

To the everlasting credit of the people of District 12, not one person claps. Not even the ones holding betting slips, the ones who are usually beyond caring. Possibly because they know me from the Hob, or knew my father, or have encountered Prim, who no one can help loving. So instead of acknowledging applause, I stand there unmoving while they take part in the boldest from of dissent they can manage. Silence. Which says we do not agree. We do not condone. All of this is wrong. Then something unexpected happens. At least, I don't expect it because I don't think of District 12 as a place that cares about me. But a shift has occurred since I stepped up to take Prim's place, and now it seems I have become someone precious. At first one, then another, then almost every member of the crowd touches the three middle fingers of their left hand to their lips and holds it out to me. It is an old and rarely used gesture of our district, occasionally seen at funerals. It means thanks, it means admiration, it means good-bye to someone you love.

For myself the delay may be compared with a reprieve; for in confidence I assure you, with the world it would obtain little credit that my movements to the chair of Government will be accompanied by feelings not unlike those of a culprit who is going to the place of his execution: so unwilling am I, in the evening of a life nearly consumed in public cares, to quit a peaceful abode for an Ocean of difficulties, without that competency of political skill, abilities and inclination which is necessary to manage the helm.

Producing a high body count was crucial for promotion in the officer corps. Many high-level officers established “production quotas” for their units, and systems of “debit” and “credit” to calculate exactly how efficiently subordinate units and middle-management personnel performed. Different formulas were used, but the commitment to war as a rational production process was common to all.11

You had to give credit to anyone who managed to excel at their chosen pastime, be it golf, hang-gliding or hoovering up cocaine with the speed and efficacy of a Dyson Turbo.

Success is fueled by being persistent and consistent.

Working capital loans help businesses manage day-to-day operational expenses. But it’s really important that cash flow optimization is prioritized in this.

Interest rate risk management tools, like derivatives, may be utilized to mitigate the impact of fluctuating interest rates on commercial loans.

A credit card allows you transcend time. For it allows you to put off until tomorrow what you bought today, while you are still paying off what you bought yesterday.

In 1568 the Dutch, who were mainly Protestant, revolted against their Catholic Spanish overlord. At first the rebels seemed to play the role of Don Quixote, courageously tilting at invincible windmills. Yet within eighty years the Dutch had not only secured their independence from Spain, but had managed to replace the Spaniards and their Portuguese allies as masters of the ocean highways, build a global Dutch empire, and become the richest state in Europe. The secret of Dutch success was credit. The Dutch burghers, who had little taste for combat on land, hired mercenary armies to fight the Spanish for them. The Dutch themselves meanwhile

Hands in pockets, he crossed the room and planted a kiss on Hannah’s cheek. He was standing only a foot from me, but kept his eyes firmly on Hannah, desperate to delay the moment he’d be forced to acknowledge my presence. To his credit, he gathered his wits about him pretty quickly; by the time he turned to face me, he’d even managed to nail a smile to his face. ‘And you are…?’ he asked. ‘James,’ I said, taking the hand he’d offered me. Even through his false cheer, I noticed him wince at the name. He gave my hand another couple of sharp pumps with his fist, then let it go and turned back to Hannah. He said something to her in German and she nodded guiltily, before mumbling something back. I couldn’t be certain, but it sounded like ‘fortified horse goblets’. It seemed like as good a time as any to join the conversation.

In fact, I was alive in a world where, despite its neutrality, I had managed to create for myself an important, meaningful place. I needed to realize that when I died, I wanted my Friends credit to be way down on the list of things I had accomplished. I needed to remind myself to be nice to people—to have them bumping into me be a happy experience, not one that necessarily had to fill me with dread, as though that was all that mattered. I needed to be kind, to love well, to listen better, to give unconditionally. It was time to stop being such a scared asshole and realize that as situations came up, I would be able to handle them. Because I was strong.

Thomas More still has some credit with the king. And he has written him a letter, saying,” he manages to smile, “that I am Wycliffe, Luther and Zwingli rolled together and tied up in string—one reformer stuffed inside another, as for a feast you might parcel a pheasant inside a chicken inside a goose.

“You laid it on a little thick out there.” Morpheus clucks his tongue. “I performed masterfully,” he answers, at last managing to claim his hat from Chessie. “Right,” Jeb scoffs. “Pretty sure my mistreatment wouldn’t have sent you into hysterics, drama queen.” Morpheus smirks. “Fair enough. On the other hand, your portrayal of a brainless wind-up numbskull was spot on.” Jeb’s lips quiver, as if he’s fighting a smile himself. “You know, I still have enough paint to make that flyswatter.” “Tut. No need for violence.” Morpheus taps the dust from his hat and places it on his head. “I’m simply giving credit where it’s due.”

Hopefully not another employee stealing credit cards, Brooke mused. Or any sort of headache-inducing “oops moment,” like the time one of the restaurant managers called to ask if he could fire a line cook after discovering that the man was a convicted murderer. “Jeez. How’d you learn that?” Brooke had asked. “He made a joke to one of the waiters about honing his cooking skills in prison. The waiter asked what he’d been serving time for, and he said, ‘Murder.’” “I bet that put an end to the conversation real fast. And yes, you can fire him,” Brooke had said. “Obviously, he lied on his employment application.” All of Sterling’s employees, regardless of job position, were required to answer whether they’d ever been convicted of a crime involving “violence, deceit, or theft.” Pretty safe to say that murder qualified. Ten minutes later, the manager had called her back. “Um . . . what if he didn’t exactly lie? I just double-checked his application, and as it turns out, he did check the box for having been convicted of a crime.” Brooke had paused at that. “And then the next question, where we ask what crime he’d been convicted for, what did he write?” “Uh . . . ‘second-degree murder.’” “I see. Just a crazy suggestion here, Cory, but you might want to start reading these applications a little more closely before making employment offers.” “Please don’t fire me.

Your Script Here’s what to tell someone or yourself while you’re feeling hopelessly fucked-up. Dear [Me/Family Member/Fuckup I Can’t Help But Care About], I know you feel like [the royal “we”/you/our fuckup son] is on the verge of [insert mistake or potential tragic experience], and life feels like an unholy disaster. The truth is, however, that life often sucks and sometimes I can’t expect to feel other than [insert classier, more dire synonym for “shitty”], especially given issues in the past regarding [bad luck/anxiety/your many addictions and world-record unemployment]. So don’t take it personally and do take credit for whatever good things you were doing, even if they were totally ineffective at fending off this mess. Take pride in doing a good job, regardless of bad [luck/genes/associates/mental pain] and don’t stop.

Isabel's infamous tweets ranged from the cartoonish and impossible: Im going to pull ur tongue out of ur mouth wrap it around ur neck n strangle u w it so hard ur eyes will pop out. i will pee in the sockets. To the quaint: Get ur fcking hands off him bitch i will cut u. #RupertLIsMine To the cryptically disturbing: I watch u in your sleep. I would never condone Isabel's scary tweets, but you had to give the girl credit for managing to stay under 140 characters every time.

Each time someone with a particular stigma makes a spectacle of himself by breaking a law, winning a prize, or becoming a first of his kind, a local community may take gossipy note of this; these events can even make news in the mass media of the wider society. In any case, they who share the noted person's stigma suddenly become accessible to the normals immediately around and become subject to a slight transfer of credit or discredit to themselves. Their situation thus leads them easily into living in a world of publicized heroes and villains of their own stripe, their relation to this world being underlined by immediate associates, both normal and otherwise, who bring them news about how one of their kind has faired.

It was a man’s world, and she accepted it as such. The man owned the property, and the woman managed it. The man took the credit for the management, and the woman praised his cleverness. The man roared like a bull when a splinter was in his finger, and the woman muffled the moans of childbirth, lest she disturb him. Men were rough of speech and often drunk. Women ignored the lapses of speech and put the drunkards to bed without bitter words. Men were rude and outspoken, women were always kind, gracious and forgiving.

That tried and true aphorism: Each day is precious. Each day is a gift. If we don't open the wrapping carefully, we might break it and have to return it to the store. And then they're going to ask for a receipt and throw a total shit fit if we've left it at home, and we'll have to call the manager over and give him a good talking-to, and of course eventually he'll relent and tell the clerk to give us full credit, but by then we'll be so upset that we've wasted an hour of our time that we'll end up with a migraine and having to spend the rest of the day in bed, completely defeating the whole idea that each day is supposed to be precious and so forth.

Towards the preservation of your government, and the permanency of your present happy state, it is requisite, not only that you steadily discountenance irregular oppositions to its acknowledged authority, but also that you resist with care the spirit of innovation upon its principles, however specious the pretexts. One method of assault may be to effect, in the forms of the Constitution, alterations which will impair the energy of the system, and thus to undermine what cannot be directly overthrown. In all the changes to which you may be invited, remember that time and habit are at least as necessary to fix the true character of governments as of other human institutions; that experience is the surest standard by which to test the real tendency of the existing constitution of a country; that facility in changes, upon the credit of mere hypothesis and opinion, exposes to perpetual change, from the endless variety of hypothesis and opinion; and remember, especially, that for the efficient management of your common interests, in a country so extensive as ours, a government of as much vigor as is consistent with the perfect security of liberty is indispensable.

That Castrima has lasted this far, a comm of stills who have repeatedly failed to lynch the roggas openly living among them, is miraculous. Even if “hasn’t yet committed genocidal slaughter” is a low bar to hop, other communities haven’t even managed that much. You’ll give credit where it’s due. It

It was a man’s world, and she accepted it as such. The man owned the property, and the woman managed it. The man took the credit for the management, and the woman praised his cleverness. The man roared like a bull when a splinter was in his finger, and the woman muffled the moans of childbirth, lest she disturb him.

After Cosimo de’ Medici took over the family bank in the 1430s, it became the largest in Europe. By managing the fortunes of the continent’s wealthy families, the Medici made themselves the wealthiest of them all. They were innovators in bookkeeping, including the use of debit-and-credit accounting that became one of the great spurs to progress during the Renaissance. By means of payoffs and plotting, Cosimo became the de facto ruler of Florence, and his patronage made it the cradle of Renaissance art and humanism.

Credit cards are like alcohol: you’re borrowing tomorrow’s happiness for today.

There’s a best time for everything – including the acquisition of capital.

Men want a woman who is a virtuous wife, a good mother, and can do all the housework like a maid. Outside the home, she should be attractive and cultivated, and be a credit to him. In bed, she must be a nymphomaniac. What is more, Chinese men also need their women to manage their finances and earn a lot of money, so they can mingle with the rich and powerful. Modern

We shouldn't let our envy of distinguished masters of the arts distract us from the wonder of how each of us gets new ideas. Perhaps we hold on to our superstitions about creativity in order to make our own deficiencies seem more excusable. For when we tell ourselves that masterful abilities are simply unexplainable, we're also comforting ourselves by saying that those superheroes come endowed with all the qualities we don't possess. Our failures are therefore no fault of our own, nor are those heroes' virtues to their credit, either. If it isn't learned, it isn't earned. When we actually meet the heroes whom our culture views as great, we don't find any singular propensities––only combinations of ingredients quite common in themselves. Most of these heroes are intensely motivated, but so are many other people. They're usually very proficient in some field--but in itself we simply call this craftmanship or expertise. They often have enough self-confidence to stand up to the scorn of peers--but in itself, we might just call that stubbornness. They surely think of things in some novel ways, but so does everyone from time to time. And as for what we call "intelligence", my view is that each person who can speak coherently already has the better part of what our heroes have. Then what makes genius appear to stand apart, if we each have most of what it takes? I suspect that genius needs one thing more: in order to accumulate outstanding qualities, one needs unusually effective ways to learn. It's not enough to learn a lot; one also has to manage what one learns. Those masters have, beneath the surface of their mastery, some special knacks of "higher-order" expertise, which help them organize and apply the things they learn. It is those hidden tricks of mental management that produce the systems that create those works of genius. Why do certain people learn so many more and better skills? These all-important differences could begin with early accidents. One child works out clever ways to arrange some blocks in rows and stacks; a second child plays at rearranging how it thinks. Everyone can praise the first child's castles and towers, but no one can see what the second child has done, and one may even get the false impression of a lack of industry. But if the second child persists in seeking better ways to learn, this can lead to silent growth in which some better ways to learn may lead to better ways to learn to learn. Then, later, we'll observe an awesome, qualitative change, with no apparent cause--and give to it some empty name like talent, aptitude, or gift.

18 NEVER PAY YOUR LAWYER BY THE HOUR Incentive Super-Response Tendency To control a rat infestation, French colonial rulers in Hanoi in the nineteenth century passed a law: for every dead rat handed in to the authorities, the catcher would receive a reward. Yes, many rats were destroyed, but many were also bred specially for this purpose. In 1947, when the Dead Sea scrolls were discovered, archaeologists set a finder’s fee for each new parchment. Instead of lots of extra scrolls being found, they were simply torn apart to increase the reward. Similarly, in China in the nineteenth century, an incentive was offered for finding dinosaur bones. Farmers located a few on their land, broke them into pieces and cashed in. Modern incentives are no better: company boards promise bonuses for achieved targets. And what happens? Managers invest more energy in trying to lower the targets than in growing the business. These are examples of the incentive super-response tendency. Credited to Charlie Munger, this titanic name describes a rather trivial observation: people respond to incentives by doing what is in their best interests. What is noteworthy is, first, how quickly and radically people’s behaviour changes when incentives come into play or are altered and, second, the fact that people respond to the incentives themselves and not the grander intentions behind them.

Revolving credit lines allow businesses to borrow, repay, and re-borrow within a specified limit. In terms of managing a business’s cash flow, utilizing revolving credit lines may be a great way to go.

I withdraw until just my cockhead remains inside him. Our gazes lock. His breathing quickens. Then I jack his dick in a long, hard pump at the same time I slam back in. I have to give him credit—he manages to stay quiet this time. He bites his lip to keep from groaning, his gorgeous features strained. He’s close. I can see it in his eyes, feel it in the urgency with which he grinds his ass against my groin.

And I even managed to put in an inside joke after the credits: my production company was called "Anhedonia Productions," and the ad card we crafted featured a cartoon of me sighing with boredom on a roller coaster.

Cash flow analysis helps lenders assess a business's ability to generate sufficient cash to meet debt obligations. In terms of managing your business’s money, free cash flow is a good metric to keep front and center.

The problem with fiat is that simply maintaining the wealth you already own requires significant active management and expert decision-making. You need to develop expertise in portfolio allocation, risk management, stock and bond valuation, real estate markets, credit markets, global macro trends, national and international monetary policy, commodity markets, geopolitics, and many other arcane and highly specialized fields in order to make informed investment decisions that allow you to maintain the wealth you already earned. You effectively need to earn your money twice with fiat, once when you work for it, and once when you invest it to beat inflation. The simple gold coin saved you from all of this before fiat.

Nay," she said stubbornly. "I have just been told that the only chance I have for freedom is in your hands and by all that is holy, you will deliver me my freedom or I shall see to it that you live out the rest of your life in merciless misery." He gaped at her. On any other man such an expression would have looked foolish, but to credit Lord Stryder, even when taken by surprise, he still managed to carry off an air of supreme authority and handsomeness. "I beg your pardon? Have you gone completely mad?" "Not I, but rather the king you love so well. It appears he would see us marry." "My hairy arse." She gave him a droll stare. "That is much more information about your person, Lord Stryder, than I care to know.

Girls mature faster than boys, cost more to raise, and statistics show that the old saw about girls not knowing about money and figures is a myth. Girls start to outspend boys before puberty—and they manage to maintain this lead until death or an ugly credit manager, whichever comes first. Males are born with a closed fist. Girls are born with the left hand cramped in a position the size of an American Express card. Whenever a girl sees a sign reading, “Sale, Going Out of Business, Liquidation,” saliva begins to form in her mouth, the palms of her hands perspire and the pituitary gland says, “Go, Mama.” In the male, it is quite a different story. He has a gland that follows a muscle from the right arm down to the base of his billfold pocket. It's called “cheap.” Girls can slam a door louder, beg longer, turn tears on and off like a faucet, and invented the term, “You don't trust me.” So much for “sugar and spice and everything nice” and “snips and snails and puppydog tails.

But that’s not even what she’s asking. Cassie wants to know if I’ll still walk home with her after school every day, if I’ll watch movies with her that I miss hald of because I’m answering her bizarre questions; if I’ll still tolerate her mindless chatter and scattered conversations. If I’ll still be nice to her. This girl who speaks slowly and runs awkwardly, who can only manage short spurts of eye contact and stiffens under anyone’s touch, who struggles to match appropriate emotions with situations. Who finds joy in the simplest of things, who will never sit at a cafeteria table or in a bathroom and say mean things behind people’s back. Who understands more than most people give her credit for. Who’s heart can’t seem to hold animosity, even towards those who have been cruel to her. Who only ever wanted to be a friend to me since the moment she stepped out of her mom’s car with a bag of cookies. “Of course, I will,” I promise. “Yeah, okay.” She finally looks up to offer me a wide grin and a nod. “Are you going to eat those Junior Mints?

You have more strength than you give yourself credit for. You’d have managed on your own. The point is you didn’t have to. Burdens are for sharing, Phin. That’s what relationships are about. Being there for each other. I’ll always be here for you, just as you are for me. I love you.

Over the last 30 odd years, Democrats have moved to the right and the right has moved into the mental hospital. So what we have is one perfectly good party for hedge fund managers, credit card companies, banks, defense contractors, big agriculture and the pharmaceutical lobby... That's the Democrats. And they sit across the aisle from a small group of religious lunatics, flat-earthers and civil war re-enactors who mostly communicate by AM radio and call themselves the Republicans and who actually worry that Obama is a socialist. Socialist? He's not even a liberal.

Furthermore—” “There’s a ‘furthermore’?” His voice was utterly inflectionless. “—I’m not a child. I’m a lady born of one of England’s finest and oldest families, and I daresay even you know how to behave in the presence of a lady. Regardless of the inconvenience I’ve caused you, I’ll thank you to remember whatever manners you’ve managed to feign to date, because the ones you’re exhibiting do you no credit and merely reinforce the prevailing opinion, Captain Flint, that you are a savage.” She delighted in giving the S a serpent-like sibilance. “The measure of a gentleman is how he behaves when he hasn’t an audience to witness the beauty of his manners. And I wouldn’t expect you to understand this, my lord, but centuries of fine breeding have ensured that I need not, as you say, exert myself if I choose not to. Only the likes of you equate the actual need to work with virtue. It is in fact due to the work of my ancestors that I no longer need to, and my family considers this a mark of honor.

If you are going to start psychoanalyzing me, Legna, just stop it right now,” Noah warned her. “You have had my undivided love and attention practically since the day I was born, Noah. Has it never occurred to you that you are simply unwilling to share me with anyone else? You joke about it, but there are reasons why you are not interested in finding a companion of your own. Why should you? You have a perfectly kept home, a beautiful hostess to manage your social affairs, and she is pretty much emotionally maintenance free. I give you completely unconditional love, respect, and admiration. I keep you company when there are so many around, but none are really close enough to your heart to safely be a King’s confidant. There is only one thing I cannot do for you, and I already know you have your ways of obtaining that.” “Legna,” he protested, his face flushing. “That is not true.” “Which part?” she countered, raising a single brow. “I . . .” He hesitated, looking away from her penetrating gaze, realizing that she saw so much more than he had ever given her credit for. “Well, for one, the rafters of my ‘perfectly kept home’ are full of cobwebs,” he said sheepishly. Legna suddenly, gratefully, found herself laughing. It was a short burst of amusement that instantly defused the painful tension between them. “As if it would kill you to spare a thought to giving them a two-second toasting and getting rid of them yourself?

To Huang Ti’s credit, though, he managed, without ever disassembling a corpse, to figure out that “the blood of the body is under the control of the heart” and that “the blood current flows in a continuous circle and never stops.” In other words, the man figured out what William Harvey figured out, four thousand years before Harvey and without laying open any family members.

Paul, all I know is that this is the third time we've talked tonight, you're saying 'fuck' to me, I'm a guy, and your penis has been mentioned numerous times. Jesus, you're acting like you're some teenager. Work through this shit with a shrink, man. I don't care if you're gay.' Here again, I achieved silence. But not for long. The breathing became heavy and then, 'What the fuck kind of game are you playing?' 'It's no game, man. You want to close a sale? I want to see your penis. It's a fair exchange if you ask me.' He hung up again, and I reached for my perfectly spicy, scratch-your-throat-like-a-cat-claw-hot Blenheim ginger ale and took a long swallow. This particular credit card company has not called me again. And, to my delight, AT&T never called me again after I asked one of their friendly Southern females if by any chance she happened to be a male-to-female transsexual, and if so, what vaginal depth her surgeon had managed to attain for her. 'Four inches is pretty common,' I told her. 'But if you dilate religiously, you can probably achieve five.' I even got the phrase 'self-lubricating' out before she hung up on me.

Nicolas sat very still just watching her. What he wanted to do was yank her back into the boat and weld their mouths together. Their bodies. He craved her like he would a drug. He made himself breath. In and out. He could read the desperation in her eyes, the fear. Not of him, for him. The tight coil in his belly began to relax. Not giving her time to argue or think, he simply caught her small wrists and lifted her into the boat. “We’re adults, remember? Now that we know it can happen, we’ll be more careful.” He managed a quick, teasing grin. “Until we don’t want to be careful.” Dahlia swallowed hard. She had courage, he had to give her that. Respect for her grew with every moment in her company. She didn’t back away from him, but held her ground. They were both standing up, and she had a long way to look up. “It could happen, Nicolas. You’ve never seen what pure energy can do, but I have. I generate heat when it happens and fires start. People get hurt.” “Have you ever made love to someone, Dahlia?” His voice was so low she had to strain to hear him. She felt the surge of darkness, of danger, something lethal and deadly emanating from him. “No, I’ve never wanted to get that close to anyone.” “Until now.” He wanted to hear her say it. At least give him that much. He needed that much. “Until now,” she agreed. Nicolas stepped away from her, sank back into position. “Thanks for not pushing me into the water. You must have thought about it.” “Don’t give me too much credit.” She made her way to the motor. “I wasn’t certain if I shoved, you’d fall.

Over the last few years, banks and governments have been frenziedly printing money. Everybody is terrified that the current economic crisis may stop the growth of the economy. So they are creating trillions of dollars, euros and yen out of thin air, pumping cheap credit into the system, and hoping that the scientists, technicians and engineers will manage to come up with something really big,

At first the rebels seemed to play the role of Don Quixote, courageously tilting at invincible windmills. Yet within eighty years the Dutch had not only secured their independence from Spain, but had managed to replace the Spaniards and their Portuguese allies as masters of the ocean highways, build a global Dutch empire, and become the richest state in Europe. The secret of Dutch success was credit. The

The acting CEO cannot be blamed or credited for the company’s performance, and that makes the system independent of the CEO. Blame or credit falls on each manager and employee. The CEO should be the quarterback, not God. In a sense, it makes us like Switzerland, where many citizens have a hard time remembering their President’s name. Solidarity comes as a consequence of collective action, and not from one personality.

If you ask the other John and Peggy (my parents) how they’ve managed to stay married for well over half a century, they’ll credit an uncompromising level of honesty with each other. If you press them, though, you’ll learn that their commitment to the truth did not extend to their children. Indeed, when it came to raising three boys on a public school teachers salary, my parents lied like rugs./ It was a strange sort of snobbery to develop at such an early age - this sympathy for the more fortunate - but that’s precisely what my parents engendered. With duplicity and guile, they Turn envy to pity. By the time I was eleven, I felt nothing but compassion for classmates of mine who had been forced to wear the latest fashions. Sadly, they had no older cousins to provide them with a superior wardrobe of “softer, sturdier, broken-in alternatives.

When Elizabeth finally descended the stairs on her way to the dining room she was two hours late. Deliberately. “Good heavens, you’re tardy, my dear!” Sir Francis said, shoving back his chair and rushing to the doorway where Elizabeth had been standing, trying to gather her courage to do what needed to be done. “Come and meet my guests,” he said, drawing her forward after a swift, disappointed look at her drab attire and severe coiffure. “We did as you suggested in your note and went ahead with supper. What kept you abovestairs so long?” “I was at prayer,” Elizabeth said, managing to look him straight in the eye. Sir Francis recovered from his surprise in time to introduce her to the three other people at the table-two men who resembled him in age and features and two women of perhaps five and thirty who were both attired in the most shockingly revealing gowns Elizabeth had ever seen. Elizabeth accepted a helping of cold meat to silence her protesting stomach while both women studied her with unhidden scorn. “That is a most unusual ensemble you’re wearing, I must say,” remarked the woman named Eloise. “Is it the custom where you come from to dress so…simply?” Elizabeth took a dainty bite of meat. “Not really. I disapprove of too much personal adornment.” She turned to Sir Francis with an innocent stare. “Gowns are expensive. I consider them a great waste of money.” Sir Francis was suddenly inclined to agree, particularly since he intended to keep her naked as much as possible. “Quite right!” he beamed, eyeing the other ladies with pointed disapproval. “No sense in spending all that money on gowns. No point in spending money at all.” “My sentiments exactly,” Elizabeth said, nodding. “I prefer to give every shilling I can find to charity instead.” “Give it away?” he said in a muted roar, half rising out of his chair. Then he forced himself to sit back down and reconsider the wisdom of wedding her. She was lovely-her face more mature then he remembered it, but not even the black veil and scraped-back hair could detract from the beauty of her emerald-green eyes with their long, sooty lashes. Her eyes had dark circles beneath them-shadows he didn’t recall seeing there earlier in the day. He put the shadows down to her far-too-serious nature. Her dowry was creditable, and her body beneath that shapeless black gown…he wished he could see her shape. Perhaps it, too, had changed, and not for the better, in the past few years. “I had hoped, my dear,” Sir Francis said, covering her hand with his and squeezing it affectionately, “that you might wear something else down to supper, as I suggested you should.” Elizabeth gave him an innocent stare. “This is all I brought.” “All you brought?” he uttered. “B-But I definitely saw my footmen carrying several trunks upstairs.” “They belong to my aunt-only one of them is mine,” she fabricated hastily, already anticipating his next question and thinking madly for some satisfactory answer. “Really?” He continued to eye her gown with great dissatisfaction, and then he asked exactly the question she’d expected: “What, may I ask, does your one truck contain if not gowns?” Inspiration struck, and Elizabeth smiled radiantly. “Something of great value. Priceless value,” she confided. All faces at the table watched her with alert fascination-particularly the greedy Sir Francis. “Well, don’t keep us in suspense, love. What’s in it?” “The mortal remains of Saint Jacob.

Miss Selina, you have over the past minutes—as in the past months, and indeed, in all the years of your association with him—demonstrated an understanding of Master Bruce, his aspirations, his desires and his demons, that would be the envy of his closest colleagues, who believe they know him better than anybody. It is quite impossible to credit your fear that you ‘will not be good at this,’ for there is clearly no one in his life better suited to comfort him in tragedy, rejoice with him in triumph, and keep him from being alone in the days and nights in between. If he should ‘give up hope,’ I have no doubt you would manage the situation with the same sublime felinity you have used to such advantage in the past. Now drink your tea, young woman, and the next time you enjoy, or even sniff, this particular brew, I dare say you will understand how it helps.

Over the last few years, banks and governments have been frenziedly printing money. Everybody is terrified that the current economic crisis may stop the growth of the economy. So they are creating trillions of dollars, euros and yen out of thin air, pumping cheap credit into the system, and hoping that the scientists, technicians and engineers will manage to come up with something really big, before the bubble bursts. Everything

To review briefly, in the late 1960s, men got paid more than women (usually double) for doing the exact same job. Women could get credit cards in their husband's names but not their own, and many divorced, single and separated women could not get cards at all. Women could not get mortgages on their own and if a couple applied for a mortgage, only the husband's income was considered. Women faced widespread and consistent discrimination in education, scholarship awards, and on the job. In most states the collective property of a marriage was legally the husband's since the wife had allegedly not contributed to acquiring it. Women were largely kept out of a whole host of jobs--doctor, college professor, bus driver, business manager--that women today take for granted. They were knocked out in the delivery room... once women got pregnant they were either fired from their jobs or expected to quit. If they were women of color, it was worse on all fronts--work education, health care. (And talk about slim pickings. African American men were being sent to prison and cut out of jobs by the millions.) Most women today, having seen reruns of The Brady Bunch and Father Knows Best, and having heard of Betty Friedan's The Feminine Mystique, the bestseller that attacked women's confinement to the home, are all too familiar with the idealized yet suffocating media images of happy, devoted housewives. In fact, most of us have learned to laugh at them, vacuuming in their stockings and heels, clueless about balancing a checkbook, asking dogs directions to the neighbor's. But we should not permit our ability to distance ourselves from these images to erase the fact that all women--and we mean all women--were, in the 1950s and '60s supposed to internalize this ideal, to live it and believe it.

STAR DREK Human beings are such slobs that, from now on, pigs must declare us the other white meat. Do you know that right now there is so much discarded trash in outer space that three times last month the International Space Station was almost hit by some useless hunk of floating metal—not unlike the International Space Station itself? So really, you’ve got to give the human race credit: only humans could visit an infinite void and leave it cluttered. Not only have we screwed up our own planet; somehow we have also managed to use up all the space in space. Now, history shows over and over again that if the citizens of Earth put their minds to it, they can destroy anything. It doesn’t matter how remote or pristine, together, yes, we can fuck it up. The age of space exploration is only fifty years old, and we have already managed to turn the final frontier into the New Jersey Meadowlands.12

Over the last few years, banks and governments have been frenziedly printing money. Everybody is terrified that the current economic crisis may stop the growth of the economy. So they are creating trillions of dollars, euros and yen out of thin air, pumping cheap credit into the system, and hoping that the scientists, technicians and engineers will manage to come up with something really big, before the bubble bursts. Everything depends on the people in the labs.

The man owned the property, and the woman managed it. The man took the credit for the management, and the woman praised his cleverness. The man roared like a bull when a splinter was in his finger, and the woman muffled the moans of childbirth, lest she disturb him. Men were rough of speech and often drunk. Women ignored the lapses of speech and put the drunkards to bed without bitter words. Men were rude and outspoken, women were always kind, gracious and forgiving.

The fact that the strong races of northern Europe did not repudiate this Christian god does little credit to their gift for religion--and not much more to their taste. They ought to have been able to make an end of such a moribund and worn-out product of the décadence. A curse lies upon them because they were not equal to it; they made illness, decrepitude and contradiction a part of their instincts--and since then they have not managed to create any more gods. Two thousand years have come and gone--and not a single new god! Instead, there still exists, and as if by some intrinsic right,--as if he were the ultimatum and maximum of the power to create gods, of the creator spiritus in mankind--this pitiful god of Christian monotono-theism! This hybrid image of decay, conjured up out of emptiness, contradiction and vain imagining, in which all the instincts of décadence, all the cowardices and wearinesses of the soul find their sanction!

The more proposals, the more credit. Fan says Trix always asks when she comes home after the summer excursions, how many birds have you bagged as if men were partridges. What wicked creatures we are! Some of us at least. I wonder why such a love of conquest was put into us? Mother says a great deal of it is owing to bad education nowadays, but some girls seem born for the express purpose of making trouble, and would manage to do it, if they lived in a howling wilderness.

My ten years of bank experience should be of interest to a rapidly growing bank like yours. In various capacities in bank operations with the Bankers Trust Company in New York, leading to my present assignment as Branch Manager, I have acquired skills in all phases of banking including depositor relations, credits, loans and administration. I will be relocating to Phoenix in May and I am sure I can contribute to your growth and profit. I will be in Phoenix the week of April 3 and would appreciate the opportunity to show you how I can help your bank meet its goals.

Dear Sir: My ten years of bank experience should be of interest to a rapidly growing bank like yours. In various capacities in bank operations with the Bankers Trust Company in New York, leading to my present assignment as Branch Manager, I have acquired skills in all phases of banking including depositor relations, credits, loans and administration. I will be relocating to Phoenix in May and I am sure I can contribute to your growth and profit. I will be in Phoenix the week of April 3 and would appreciate the opportunity to show you how I can help your bank meet its goals. Sincerely, Barbara L. Anderson

On the rare occasions when the Duchesse had one pointed out to her, she would never have dreamed of bothering about the social credit he might bring, since this was something she conferred and could not receive. She thought only of his real qualities. Mme de Villeparisis and Saint-Loup had assured her of mine. And no doubt she would not have believed them had she not also observed that they could never manage to secure my presence when they wanted it, that I therefore attached no importance to society, which seemed to the Duchesse a sign that an outsider was to be ranked with people she thought of as “agreeable.

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.

He thinks: "I have no self-confidence. I always feel everybody else is more competent, more attractive, more gifted than I am. Even the things I've managed to accomplish don't count, because I can't really credit myself with them. I may have been bluffing, or it may have been just a lucky break. I certainly can't be sure that I could do it again. And if people really knew me, they'd have no use for me anyway. But if I found someone who loved me as I am and to whom I was of prime importance, I would be somebody." No wonder, then, that love has all the lure of a mirage. No wonder that it should be clutched at in preference to the laborious process of changing from within.

Everybody is terrified that the current economic crisis may stop the growth of the economy. So they are creating trillions of dollars, euros and yen out of thin air, pumping cheap credit into the system, and hoping that the scientists, technicians and engineers will manage to come up with something really big, before the bubble bursts. Everything depends on the people in the labs. New discoveries in fields such as biotechnology and nanotechnology could create entire new industries, whose profits could back the trillions of make-believe money that the banks and governments have created since 2008. If the labs do not fulfil these expectations before the bubble bursts, we are heading towards very rough times. Columbus

I don't like to make mistakes. Which is why I haven't been with a man before now." He as thrown off balance so quickly and completely, he coud hear his own brain stumble. "Well,that's...that's wise." He took one definite step back, like a chessman going from square to square. "It's interesting that makes you nervous," she said, countering his move. "I'm not nervous,I'm...finished up here, it seems." He tried another tactic, stepped to the side. "Interesting," she continued, mirroring his move, "that it would make you nervous,or uneasy if you prefer, when you've been...I think it's safe to use the term 'hitting on me' since we met." "I don't think that's the proper term at all." Since he seemed to be boxed into a corner,he decided he was really only standing his ground. "I acted in a natural way regarding a physical attraction. But-" "And now that I've reacted in a natural way, you've felt the reins slip out of your hands and you're panicked." "I'm certainly not panicked." He ignored the terror gripping claws into his belly and concentrated on annoyance. "Back off, Keeley." "No." With her eyes locked on his, she stepped in.Checkmate. His back was hard up against a stall door and he'd been maneuvered there by a woman half his weight.It was mortifying. "This isn't doing either of us any credit." It took a lot of effort when the blood was rapidly draining out of his head, but he made his voice cool and firm. "The fact is I've rethought the matter." "Have you?" "I have,yes,and-stop it," he ordered when she ran the palms of her hands up over his chest. "You're hearts pounding," she murmured. "So's mine.Should I tell you what goes on inside my head,inside my body when you kiss me" "No." He barely managed a croak this time. "And it's not going to happen again." "Bet?" She laughed, rising up just enough to nip his chin. How could she have known how much fun it was to twist a man into aroused knots? "Why don't you tell me about this rethinking?" "I'm not going to take advantage of your-of the situation." That,she thought,was wonderfully sweet. "At the moment,I seem to have the advantage.This time you're trembling,Brian." The hell he was.How could he be trembling when he couldn't feel his own legs? "I won't be responsible.I won't use your inexperience.I won't do this." The last was said on a note of desperation and he pushed her aside. "I'm responsible for myself.And I think I've just proven to both of us,that if and when I decide you'll be the one, you won't have a prayer." She drew a deep, satisfied breath. "Knowing that's incredibly flattering." "Arousing a man doesn't take much skill, Keeley. We're cooperative creatures in that area." If he'd expected that to scratch at her pride,and cut into her power,he was mistaken. She only smiled,and the smile was full of secret female knowledge. "If that was true between us, if that were all that's between us, we'd be naked on the tack room floor right now." She saw the change in his eyes and laughed delightedly. "Already thought of that one, have you? We'll just hold that thought for another time.

All of a sudden, he drew his hand away, and Lillian whimpered in protest. Cursing, Marcus tucked her body beneath his and pulled her face into his shoulder just as the door opened. In a moment of frozen silence breached only by her ragged breaths, Lillian peered out from the concealing shelter of Marcus’s body. She saw with a start of fright that someone was standing there. It was Simon Hunt. A ledger book and a few folders secured with black ribbon were clasped in his hands. Blank-faced, Hunt lowered his gaze to the couple on the floor. To his credit, he managed to retain his composure, though it must have been difficult. The Earl of Westcliff, known to his acquaintances as an eternal proponent of moderation and self-restraint, was the last man Hunt would have expected to be rolling on the study floor with a woman clad in her nightgown. “Pardon, my lord,” Hunt said in a carefully controlled voice. “I did not anticipate that you would be… meeting… with someone at this hour.” Marcus skewered him with a savage stare. “You might try knocking next time.” “You’re right, of course.” Hunt opened his mouth to add something, appeared to think better of it, and cleared his throat roughly. “I’ll leave you here to finish your, er… conversation.” As he withdrew from the room, however, it seemed that he couldn’t keep from ducking his head back in and asking Marcus cryptically, “Once a week, did you say?” “Close the door behind you,” Marcus said icily, and Hunt obeyed with a smothered sound that sounded suspiciously like laughter.

Over the decade that movie producer Menahem Golan had retained the rights for Spider-Man, he’d managed to involve half a dozen different corporate entities. Golan had originally bought the Spider-Man rights for his Cannon Films; after leaving Cannon, he transferred them to 21st Century Films. Next, he raised money by preselling television rights to Viacom, and home video rights to Columbia Tri-Star; then he signed a $5 million deal with Carolco that guaranteed his role as producer. But after Carolco assigned the film to James Cameron, Cameron refused to give Golan the producer credit, and the lawsuits began. By the end of 1994, Carolco was suing Viacom and Tri-Star; Viacom and Tri-Star were countersuing Carolco, 21st Century, and Marvel; and MGM—which had swallowed Cannon—was suing Viacom, Tri-Star, 21st Century, and Marvel.

REQUIREMENTS TO BE GREAT AT RUNNING HR What kind of person should you look for to comprehensively and continuously understand the quality of your management team? Here are some key requirements:   World-class process design skills Much like the head of quality assurance, the head of HR must be a masterful process designer. One key to accurately measuring critical management processes is excellent process design and control.   A true diplomat Nobody likes a tattletale and there is no way for an HR organization to be effective if the management team doesn’t implicitly trust it. Managers must believe that HR is there to help them improve rather than police them. Great HR leaders genuinely want to help the managers and couldn’t care less about getting credit for identifying problems. They will work directly with the managers to get quality up and only escalate to the CEO when necessary. If an HR leader hoards knowledge, makes power plays, or plays politics, he will be useless.   Industry knowledge Compensation, benefits, best recruiting practices, etc. are all fast-moving targets. The head of HR must be deeply networked in the industry and stay abreast of all the latest developments.   Intellectual heft to be the CEO’s trusted adviser None of the other skills matter if the CEO does not fully back the head of HR in holding the managers to a high quality standard. In order for this to happen, the CEO must trust the HR leader’s thinking and judgment.   Understanding things unspoken When management quality starts to break down in a company, nobody says anything about it, but super-perceptive people can tell that the company is slipping. You need one of those.

If all the bank loans were paid, no one could have a bank deposit, and there would not be a dollar of coin or currency in circulation. This is a staggering thought. We are completely dependent on the commercial Banks. Someone has to borrow every dollar we have in circulation, cash or credit. If the Banks create ample synthetic money we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless position is almost incredible, but there it is. It is the most important subject intelligent persons can investigate and reflect upon. It is so important that our present civilization may collapse unless it becomes widely understood and the defects remedied very soon.”   Robert H Hemphill, credit manager of Federal Reserve Bank of Atlanta, 1934

Here, accordingly, we encounter two principal sets of institutions that depoliticize social needs: first, domestic institutions, especially the normative domestic form, namely, the modern, male-headed, nuclear family; and, second, official-economic capitalist system institutions, especially paid workplaces, markets,credit mechanisms, and “ private” enterprises and corporations. Domestic institutions depoliticize certain matters by personalizing and/or familializing them; they cast these as private-domestic or personal-familial matters in contradistinction to public, political matters. Official-economic capitalist system institutions depoliticize certain matters by economizing them; the issues in question here are cast as impersonal market imperatives or as “ private” ownership prerogatives or as technical problems for managers and planners, all in contradistinction to political matters.

THE HEATHMAN IS NESTLED in the heart of downtown Portland. Its impressive brown stone edifice was completed just in time for the crash of the late 1920s. José, Travis, and I are traveling in my Beetle, and Kate is in her CLK, since we can’t all fit in my car. Travis is José’s friend and gopher, here to help out with the lighting. Kate has managed to acquire the use of a room at the Heathman free of charge for the morning in exchange for a credit in the article. When she explains at reception that we’re here to photograph Christian Grey, CEO, we are instantly upgraded to a suite. Just a regular-sized suite, however, as apparently Mr. Grey is already occupying the largest one in the building. An over-keen marketing executive shows us up to the suite—he’s terribly young and very nervous for some reason. I suspect Kate’s beauty and commanding manner disarm him, because he’s putty in her hands. The rooms are elegant, understated, and opulently furnished.

I learned many things at Dixie County High School. There was a class called Life Management. One week we brought in a 5lb sacks of flour. For 2 weeks we were to carry this around as our baby. It needed to return intact to get a grade. But tape could be used for repairs. So the first night I wrapped my Piggy Wiggly-brand flour baby in 2 rolls of duct tape. Added a face. Glued on some orange faux fur hair. Five pounds became 8. They grow up so fast! Over the next week we tossed this tape baby against brick walls. No harm was done. Parenting came naturally it seemed. Until we decided to drop junior out a car window while heading down County Road 55A. It bounced off the road and out into a field. We searched... but never found that sack of flour. It might be out there still. The next morning I told my teacher what had happened. Baby went out a window. Was lost in a field. She just stared. Told me not to tell anyone else this story. I still got full credit though. No one expected much of parents back then.

The cheerleaders of the new data regime rarely acknowledge the impacts of digital decision-making on poor and working-class people. This myopia is not shared by those lower on the economic hierarchy, who often see themselves as targets rather than beneficiaries of these systems. For example, one day in early 2000, I sat talking to a young mother on welfare about her experiences with technology. When our conversation turned to EBT cards, Dorothy Allen said, “They’re great. Except [Social Services] uses them as a tracking device.” I must have looked shocked, because she explained that her caseworker routinely looked at her purchase records. Poor women are the test subjects for surveillance technology, Dorothy told me. Then she added, “You should pay attention to what happens to us. You’re next.” Dorothy’s insight was prescient. The kind of invasive electronic scrutiny she described has become commonplace across the class spectrum today. Digital tracking and decision-making systems have become routine in policing, political forecasting, marketing, credit reporting, criminal sentencing, business management, finance, and the administration of public programs. As these systems developed in sophistication and reach, I started to hear them described as forces for control, manipulation, and punishment

decided to move to London while the house was being emptied. At first I stayed in a hotel – the Inn On The Park, the location for the famous story about me ringing the Rocket office and demanding they do something about the wind outside that was keeping me awake. This is obviously the ideal moment to state once and for all that this story is a complete urban myth, that I was never crazy enough to ask my record company to do something about the weather; that I was simply disturbed by the wind and wanted to change rooms to somewhere quieter. Unfortunately, I can’t tell you that, because the story is completely true. I absolutely was crazy and deluded enough to ring the international manager of Rocket, Robert Key, and ask him to do something about the wind outside my hotel room. I certainly didn’t want to change rooms. It was 11 a.m., I’d been up all night and there were drugs everywhere: the last thing I needed was the hotel staff bustling in to help me move to a different floor. I angrily outlined the situation to Robert. To his lasting credit, he gave my request very short shrift. On the other end of the phone, I heard the muffled sound of Robert, with his hand over the receiver, telling the rest of the office, ‘Oh God, she’s finally lost it.’ Then he spoke to me again. ‘Elton, are you fucking insane? Now get off the phone and go back to bed.

This kind of speculation reached a high point with the Pentagon's initiative of creating a 'futures market in events', a stock market of prices for terrorist attacks or catastrophes. You bet on the probable occurrence of such events against those who don't believe they'll happen. This speculative market is intended to operate like the market in soya or sugar. You might speculate on the number of AIDS victims in Africa or on the probability that the San Andreas Fault will give way (the Pentagon's initiative is said to derive from the fact that they credit the free market in speculation with better forecasting powers than the secret services). Of course it is merely a step from here to insider trading: betting on the event before you cause it is still the surest way (they say Bin Laden did this, speculating on TWA shares before 11 September). It's like taking out life insurance on your wife before you murder her. There's a great difference between the event that happens (happened) in historical time and the event that happens in the real time of information. To the pure management of flows and markets under the banner of planetary deregulation, there corresponds the 'global' event- or rather the globalized non-event: the French victory in the World Cup, the year 2000, the death of Diana, The Matrix, etc. Whether or not these events are manufactured, they are orchestrated by the silent epidemic of the information networks. Fake events.

You sound off,” he said. “Why are you whispering? I thought you and Ana were having dinner together.” I bit my lip. “It’s kind of a funny story, but you have to promise not to yell.” “Why would a funny story make me yell?” he asked warily. “Well,” I drawled. “I was on my way to meet up with Ana, and there was this truck parked in an alley that didn’t look right. So, I left my bike on the street and went to check it out.” “Jordan.” I didn’t need to see him to know he was pinching the bridge of his nose, something he’d been doing a lot in the last few months. “Don’t worry. They didn’t see me.” His tone sharpened. “Who didn’t see you?” “The Gulaks. They were too busy loading the girls into the back.” I paused as the truck slowed going around a curve. “I slipped on without them having a clue I was there.” He swore. “Do not tell me you climbed into a truck with a bunch of Gulak slavers.” I scoffed softly. “Of course not. Give me some credit. I’m on the roof of the truck.” He growled something, and I heard another male laughing. It sounded like Mario, one of the warriors we were working with on this job, along with his mate, Ana. We’d been in Panama for two weeks, at the request of the government, to locate and shut down a human trafficking ring. But this one was a lot more sophisticated than any other Gulak operation we’d encountered, and they’d managed to evade us completely. Until now. “This is not a funny story,” he said in an exasperated voice.

Where are you from?" She asked without thinking. "I was born in the mountains." Runach said with a shrug. "The place doesn't matter." "Do you have siblings?" "Yes, several. Not all are still living. He smiled faintly. "You are full of questions this afternoon." "The library was a bad influence on me." Runach smiled briefly. "And I believe that was three questions you asked me, which leaves me with three of my own for you to answer." "That was two." "I don't count very well." "I think you count very well," she said grimly. He only smiled again. "I'll contemplate which answers I'll have and let you know." Aisling thought she just might be dreading them, but couldn't bring herself to say as much. "What was your home like?" she asked. "Another question." "You look distracted." He smiled and a dimple peeked out at her from his unscarred cheek. "You are more devious than I give you credit for being. I am keeping a tally, you know. I will expect a like number of answers from you." She stared at him for a moment or two. It was difficult not to, but he didnt seem to mind. "Why?" She asked finally. "Beacause you are a mystery." "And do you care for a mystery?" "I am obsessed by a good mystery," he said frankly. "More than enough to pry a few answers out of you, however I am able." "And what if I am not inclined to give them?" She asked, her mouth suddenly dry. "Then I will wonder about you silently." "In truth?" she asked, surprised. Runach smiled, looking just as surprised. "What else would I do? Beat the answers from you?" "I don't know." She said slowly. "I don't know what soldiers do." He shook his head. "Hedge all you like, if you like." "Your mother must have been a well-bred lady." She said, frowning. "Why do you say that?" "She seems to have taught you decent manners, for your being a mere soldier." "She tried," he agreed, looking out over the sea. Aisling turned and looked at him. "How long ago did you lose her?" Runach took a deep breath and dragged his hand through his hair, before he bowed his head and slid her a look. "That answer will cost you dearly." Her first instinct, as always, was to say nothing. But the truth was, she lived and breathed still. She could tell him perhaps a bit about herself, without bringing the curse down upon her head. Aisling took her own deep breath. "Very well." "My mother died twenty years ago, though I vow it feels like yesterday." "How did she die?" Runach was very still. "My father slew her and half my siblings. Time has done the rest of that terrible work I suppose. She shut her mouth, and put her hand on his arm. "I'm sorry." "I am too," he agreed. Runach shook his head, then reached for her hand to draw it through his arm. "Let's walk whilst you spew out the answers you owe me. You'll be more comfortable that way, I'm sure." "I'm not sure you should worry about my comfort" Aisling managed, "not after those questions." "But I do. And now that I have bared my soul, I think you should worry about my comfort and do the same.

Picture a group where people express their views vigorously and passionately, even arguing with one another. If the group performs well, participants might reasonably look back and say that open and forthright expressions of opinion were a key reason for success. They’ll say: We were honest, we didn’t hold back—and that’s why we did so well! We had a good process! But what if the group’s performance turned out to be poor? Now people might recall things differently. We argued and fought. We were dysfunctional. Next time we should follow a respectful and disciplined process. But now imagine a group where people are calm, polite, and respectful of one another. They speak quietly and in turn. If the group does well, participants might look back and credit their courteous and cooperative nature. We respected one another. We didn’t fight. We had a good process! But if the same group’s performance was poor, people might say: We were too polite. We censored ourselves. Next time, we should be more direct and open, not so concerned about one another’s feelings. The fact is, a wide variety of behaviors can lead to good decisions. There’s no precise way to engineer an “optimal” discussion process. We may try to avoid extremes, sure, but between those extremes is a wide range of behavior that might be conducive to success. And because we really don’t know what makes an optimal decision process, we tend to make attributions based on other things that are relevant and seemingly objective—namely, what we’re told about performance outcomes.

Hamilton argued that the security of liberty and property were inseparable and that governments should honor their debts because contracts formed the basis of public and private morality: “States, like individuals, who observe their engagements are respected and trusted, while the reverse is the fate of those who pursue an opposite conduct.”The proper handling of government debt would permit America to borrow at affordable interest rates and would also act as a tonic to the economy. Used as loan collateral, government bonds could function as money—and it was the scarcity of money, Hamilton observed, that had crippled the economy and resulted in severe deflation in the value of land. America was a young country rich in opportunity. It lacked only liquid capital, and government debt could supply that gaping deficiency. The secret of managing government debt was to fund it properly by setting aside revenues at regular intervals to service interest and pay off principal. Hamilton refuted charges that his funding scheme would feed speculation. Quite the contrary: if investors knew for sure that government bonds would be paid off, the prices would not fluctuate wildly, depriving speculators of opportunities to exploit. What mattered was that people trusted the government to make good on repayment: “In nothing are appearances of greater moment than in whatever regards credit. Opinion is the soul of it and this is affected by appearances as well as realities.” Hamilton intuited that public relations and confidence building were to be the special burdens of every future treasury secretary.

Sorry,” said Ron, wrenching Harry back out of the brambles, “but the name’s been jinxed, Harry, that’s how they track people! Using his name breaks protective enchantments, it causes some kind of magical disturbance — it’s how they found us in Tottenham Court Road!” “Because we used his name?” “Exactly! You’ve got to give them credit, it makes sense. It was only people who were serious about standing up to him, like Dumbledore, who ever dared use it. Now they’ve put a Taboo on it, anyone who says it is trackable — quick-and-easy way to find Order members! They nearly got Kingsley —” “You’re kidding?” “Yeah, a bunch of Death Eaters cornered him, Bill said, but he fought his way out. He’s on the run now, just like us.” Ron scratched his chin thoughtfully with the end of his wand. “You don’t reckon Kingsley could have sent that doe?” “His Patronus is a lynx, we saw it at the wedding, remember?” “Oh yeah . . .” They moved farther along the hedge, away from the tent and Hermione. “Harry . . . you don’t reckon it could’ve been Dumbledore?” “Dumbledore what?” Ron looked a little embarrassed, but said in a low voice, “Dumbledore . . . the doe? I mean,” Ron was watching Harry out of the corners of his eyes, “he had the real sword last, didn’t he?” Harry did not laugh at Ron, because he understood too well the longing behind the question. The idea that Dumbledore had managed to come back to them, that he was watching over them, would have been inexpressibly comforting. He shook his head. “Dumbledore’s dead,” he said. “I saw it happen, I saw the body. He’s definitely gone. Anyway, his Patronus was a phoenix, not a doe.” “Patronuses can change, though, can’t they?” said Ron. “Tonks’s

In other words, you need to be a bureaucracy in order to survive one. This is the overwhelming narrative of modern American economics, that the individual, particularly the individual without a lot of money, is inherently overmatched. He’s a loser. And if he falls into any part of the machine, he goes straight to the bottom. And then there’s the most disturbing truth of all. People assume that a system that favors the rich likes rich people. This isn’t true. Our bureaucracies respond to the money rich people have, and they bend to the legal might the rich can hire, but they don’t give a damn about rich people. You can be rich and still fall into any one of a dozen financial/legal meat grinders, from an erroneously collapsed credit score to a robo-signed foreclosure to a stolen identity to a retirement account vaporized by institutional theft and fraud. The system eats up rich people, too, because it’s not concerned with protecting any individuals, even the rich ones. These bureaucracies accomplish just two things: they make small piles of money smaller and big piles of money bigger. It’s a system that doesn’t care whose hands end up holding the bag, or how long those hands get to hold the bag. It just relentlessly creates and punishes losers, who get to sit beneath an ever-narrowing group of winners, who may or may not stay on top for long. What does get preserved, in all cases, is a small constellation of sprawling, interconnected financial companies, whose names and managements may change (Bear becomes Chase, Wachovia becomes Wells Fargo, etc.), but whose entrenched influence remains the same. In other words, this is a machine that loves and protects money but somehow hates all people.

do you think Jesus would do if he came back to earth tonight in Bremerton?” C asked, as he spooned some rice onto his plate. “I don’t know,” I said, savoring a mouthful of Mongolian beef. “Would he come in a white robe and sandals, or the dress of this time?” C pressed on. I shrugged my shoulders, forking in the fried rice. “Would he be white, black, Asian, or maybe look like Saddam Hussein instead of Kevin Costner or Tom Cruise? What if he didn’t fit our image of him? What if he was bald? Or, for God’s sake, what if he was gay? “He wouldn’t have any cash, no MasterCard, Visa, Discover Card, or portfolio of any kind. If he went to a bank and said, ‘Hello. I’m Jesus, the son of God. I need some of those green things that say “In God We Trust” on them to buy some food and get a place to stay,’ the bank manager would say, ‘I’m sorry, but I looked in my computer and without a social security number, local address, and credit history, I can’t do anything for you. Maybe if you show me a miracle or two, I might lend you fifty dollars.’ “Where would he stay? The state park charges sixteen dollars a night. Could he go to a church and ask, ‘May I stay here? I am Jesus’? Would they believe him?” As I took a sip of my drink, I wondered just who this character was sitting across from me. Was he some angel sent to save me? Or was he, as the Rolling Stones warned in their song, Satan himself here to claim me for some sin of this life or a past life of which I had no recollection? Or was he an alien? Or was he Jesus, the Christ himself, just “messing” with me? Was I in the presence of a prophet, or just some hopped-up druggie? “‘Ask, and it will be given you; seek, and you will find; knock, and it will be opened to you.’ That’s what Jesus said. What doors would be opened to him?” he asked. “The Salvation Army—Sally’s?” I guessed. “That’s about all,” C said. “Unless he saw Tony Robbins’ TV formula to become a millionaire and started selling miracles to the rich at twenty-thousand dollars a pop. He could go on Regis, Oprah, maybe get an interview with Bill Moyers, or go on Nightline. Or joust with the nonbelievers on Jerry Springer! Think of the book deals! He

Betsy didn’t want to be at the party any more than Cole did. She’d met the birthday girl in a spin class a couple of years earlier and had been declining her Evites ever since. In an effort to meet new people, however, this time Betsy replied “Yes.” She took a cab to the party, wondering why she was going at all. When Betsy met Cole there was a spark, but she was ambivalent. Cole was clearly smart and well educated, but he didn’t seem to be doing much about it. They had some nice dates, which seemed promising. Then, after sleeping over one night and watching Cole wake up at eleven a.m. and grab his skateboard, Betsy felt less bullish. She didn’t want to help another boyfriend grow up. What Betsy didn’t know was that, ever since he’d started spending time with her, Cole had regained some of his old drive. He saw the way she wanted to work on her sculptures even on the weekend, how she and her friends loved to get together to talk about their projects and their plans. As a result, Cole started to think more aspirationally. He eyed a posting for a good tech job at a high-profile start-up, but he felt his résumé was now too shabby to apply. As luck would have it—and it is often luck—Cole remembered that an old friend from high school, someone he bumped into about once every year or two, worked at the start-up. He got in touch, and this friend put in a good word to HR. After a handful of interviews with different people in the company, Cole was offered the position. The hiring manager told Cole he had been chosen for three reasons: His engineering degree suggested he knew how to work hard on technical projects, his personality seemed like a good fit for the team, and the twentysomething who vouched for him was well liked in the company. The rest, the manager said, Cole could learn on the job. This one break radically altered Cole’s career path. He learned software development at a dot-com on the leading edge. A few years later, he moved over and up as a director of development at another start-up because, by then, the identity capital he’d gained could speak for itself. Nearly ten years later, Cole and Betsy are married. She runs a gallery co-op. He’s a CIO. They have a happy life and gladly give much of the credit to Cole’s friend from high school and to the woman with the Evites.

recalled Stephen Crocker, a graduate student on the UCLA team who had driven up with his best friend and colleague, Vint Cerf. So they decided to meet regularly, rotating among their sites. The polite and deferential Crocker, with his big face and bigger smile, had just the right personality to be the coordinator of what became one of the digital age’s archetypical collaborative processes. Unlike Kleinrock, Crocker rarely used the pronoun I; he was more interested in distributing credit than claiming it. His sensitivity toward others gave him an intuitive feel for how to coordinate a group without trying to centralize control or authority, which was well suited to the network model they were trying to invent. Months passed, and the graduate students kept meeting and sharing ideas while they waited for some Powerful Official to descend upon them and give them marching orders. They assumed that at some point the authorities from the East Coast would appear with the rules and regulations and protocols engraved on tablets to be obeyed by the mere managers of the host computer sites. “We were nothing more than a self-appointed bunch of graduate students, and I was convinced that a corps of authority figures or grownups from Washington or Cambridge would descend at any moment and tell us what the rules were,” Crocker recalled. But this was a new age. The network was supposed to be distributed, and so was the authority over it. Its invention and rules would be user-generated. The process would be open. Though it was funded partly to facilitate military command and control, it would do so by being resistant to centralized command and control. The colonels had ceded authority to the hackers and academics. So after an especially fun gathering in Utah in early April 1967, this gaggle of graduate students, having named itself the Network Working Group, decided that it would be useful to write down some of what they had conjured up.95 And Crocker, who with his polite lack of pretense could charm a herd of hackers into consensus, was tapped for the task. He was anxious to find an approach that did not seem presumptuous. “I realized that the mere act of writing down what we were talking about could be seen as a presumption of authority and someone was going to come and yell at us—presumably some adult out of the east.

Sometimes, as in the case of the copper companies, the nationalizations were achieved through legislation that won overwhelming support. (By now, no one in Chile loved the American companies; even the head of Chile’s Roman Catholic bishops declared that nationalization was right and just.) At other times the methods skirted or even overstepped the bounds of legality. The government would simply approve the seizures of farms and factories, one of those “loopholes” Allende was relying on. Perhaps the most important—and pernicious—method was by squeezing the companies economically, as he tried to do with El Mercurio. The government had the authority to approve price hikes and wage increases. Companies that were targets for takeovers were prohibited from raising their prices but were forced to raise their workers’ pay. Moreover, as the government extended its control of the banks, credit for distressed companies dried up. Forced bankruptcies were a favorite tool of Allende’s Socialists. And who was there to run these companies once they were taken over? Ambassador Davis reports: “Government-appointed managers were usually named on the basis of a political patronage system that would have put Tammany Hall to shame.” Many formerly profitable companies were soon incurring heavy losses. In the countryside, where peasants—often illiterate—were seizing control of the estates, there was resistance even to the simplest methods of accounting and cost calculation. As Allende told Debray, “We shall have real power when copper and steel are under our control, when saltpeter is genuinely under our control, when we have put far-reaching land reform measures into effect, when we control imports and exports through the state, when we have collectivized a major portion of our national production.” But it wasn’t just the economy that Allende was trying to control. He was also taking steps to centralize the government and restrict political freedom. He saw his most important political reform as replacing the bicameral legislature with a single chamber in order to strengthen the presidency and weaken congress’s ability to block his objectives. It would also have the power to override judicial decisions. He called the proposed new body the “People’s Assembly,” but he never gained sufficient support from the “people” to call a plebiscite on the question.

She clicks on the last slide, and that’s when it happens. “Me So Horny” blasts out of the speakers and my video, mine and Peter’s, flashes on the projector screen. Someone has taken the video from Anonybitch’s Instagram and put their own soundtrack to it. They’ve edited it too, so I bop up and down on Peter’s lap at triple speed to the beat. Oh no no no no. Please, no. Everything happens at once. People are shrieking and laughing and pointing and going “Oooh!” Mr. Vasquez is jumping up to unplug the projector, and then Peter’s running onstage, grabbing the microphone out of a stunned Reena’s hand. “Whoever did that is a piece of garbage. And not that it’s anybody’s fucking business, but Lara Jean and I did not have sex in the hot tub.” My ears are ringing, and people are twisting around in their seats to look at me and then shifting back around to look at Peter. “All we did was kiss, so fuck off!” Mr. Vasquez, the junior class advisor, is trying to grab the mic back from Peter, but Peter manages to maintain control of it. He holds the mic up high and yells out, “I’m gonna find whoever did this and kick their ass!” In the scuffle, he drops the mic. People are cheering and laughing. Peter’s being frog-marched off the stage, and he frantically looks out into the audience. He’s looking for me. The assembly breaks up then, and everyone starts filing out the doors, but I stay low in my seat. Chris comes and finds me, face alight. She grabs me by the shoulders. “Ummm, that was crazy! He freaking dropped the F bomb twice!” I am still in a state of shock, maybe. A video of me and Peter hot and heavy was just on the projector screen, and everyone saw Mr. Vasquez, seventy-year-old Mr. Glebe who doesn’t even know what Instagram is. The only passionate kiss of my life and everybody saw. Chris shakes my shoulders. “Lara Jean! Are you okay?” I nod mutely, and she releases me. “He’s kicking whoever did it’s ass? I’d love to see that!” She snorts and throws her head back like a wild pony. “I mean, the boy’s an idiot if he thinks for one second it wasn’t Gen who posted that video. Like, wow, those are some serious blinders, y’know?” Chris stops short and examines my face. “Are you sure you’re okay?” “Everybody saw us.” “Yeah…that sucked. I’m sure that was Gen’s handiwork. She must’ve gotten one of her little minions to sneak it onto Reena’s PowerPoint.” Chris shakes her head in disgust. “She’s such a bitch. I’m glad Peter set the record straight, though. Like, I hate to give him credit, but that was an act of chivalry. No guy has ever set the record straight for me.

If we take God’s Word seriously, we should avoid debt when possible. In those rare cases where we go into debt, we should make every effort to get out as soon as we can. We should never undertake debt without prayerful consideration and wise counsel. Our questions should be, Why go into debt? Is the risk called for? Will the benefits of becoming servants to the lender really outweigh the costs? What should we ask ourselves before going into debt? Before we incur debt, we should ask ourselves some basic spiritual questions: Is the fact that I don’t have enough resources to pay cash for something God’s way of telling me it isn’t his will for me to buy it? Or is it possible that this thing may have been God’s will but poor choices put me in a position where I can’t afford to buy it? Wouldn’t I do better to learn God’s lesson by foregoing it until—by his provision and my diligence—I save enough money to buy it? What I would call the “debt mentality” is a distorted perspective that involves invalid assumptions: • We need more than God has given us. • God doesn’t know best what our needs are. • God has failed to provide for our needs, forcing us to take matters into our own hands. • If God doesn’t come through the way we think he should, we can find another way. • Just because today’s income is sufficient to make our debt payments, tomorrow’s will be too (i.e., our circumstances won’t change). Those with convictions against borrowing will normally find ways to avoid it. Those without a firm conviction against going into debt will inevitably find the “need” to borrow. The best credit risks are those who won’t borrow in the first place. The more you’re inclined to go into debt, the more probable it is that you shouldn’t. Ask yourself, “Is the money I’ll be obligated to repay worth the value I’ll receive by getting the money or possessions now? When it comes time for me to repay my debt, what new needs will I have that my debt will keep me from meeting? Or what new wants will I have that will tempt me to go further into debt?” Consider these statements of God’s Word: • “True godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. So if we have enough food and clothing, let us be content” (1 Timothy 6:6-8). • “Those who love money will never have enough. How meaningless to think that wealth brings true happiness!” (Ecclesiastes 5:10). • “My child, don’t lose sight of common sense and discernment. Hang on to them, for they will refresh your soul. They are like jewels on a necklace. They keep you safe on your way, and your feet will not stumble. You can go to bed without fear; you will lie down and sleep soundly. You need not be afraid of sudden disaster or the destruction that comes upon the wicked, for the LORD is your security. He will keep your foot from being caught in a trap” (Proverbs 3:21-26). • “Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect” (Romans 12:2).

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