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The Constitution of the Unitied States of America Preamble We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America. Article I - The Legislative Branch Section 1 - The Legislature All legislative Powers herein granted shall be vested in a Congress of the United States, which shall consist of a Senate and House of Representatives.

We the people of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

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

Life insurance ads merely insinuate that he may be guilty of dying without having provided for the smooth continuation of the system following the resultant economic loss, while the promoters of the “American way of death” stress his capacity to preserve most of the appearances of life in his post-mortem state. On all the other fronts of advertising bombardment it is strictly forbidden to grow old. Everybody is urged to economize on their “youth-capital,” though such capital, however carefully managed, has little prospect of attaining the durable and cumulative properties of economic capital. This social absence of death coincides with the social absence of life.

Taxes are what we pay for civilized society, for modernity, and for prosperity. The wealthy pay more because they have benefitted more. Taxes, well laid and well spent, insure domestic tranquility, provide for the common defense, and promote the general welfare. Taxes protect property and the environment; taxes make business possible. Taxes pay for roads and schools and bridges and police and teachers. Taxes pay for doctors and nursing homes and medicine. During an emergency, like an earthquake or a hurricane, taxes pay for rescue workers, shelters, and services. For people whose lives are devastated by other kinds of disaster, like the disaster of poverty, taxes pay, even, for food.

At an insurance company, I am promoted from my station at the ditto machine to bookkeeper. My supervisor has noticed how hard I work, she will train me. I feel happy in the company of the other secretaries, happy to be one of them, until my new friend advises me, “Don’t ever sit next to the Jews at lunch. They smell.

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

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

Promotion as the guarantee insurance recipient. In the event of accidents, the KAIT must notify and register compensations and dis

Positive psychologists' more important contribution to the defense of the status qyo has been to assert or "find" that circumstances play only a minor role in determining a person's happiness. ... Indeed, if circumstances play only a small role - even 25 percent - in human happiness, then policy is a marginal exercise. Why advocate for better jobs and schools, safer neighborhoods, universal health insurance, or any other liberal desideratum if these measures will do little to make people happy?

We want to insure the opportunity for the German spirit to evolve, to re-establish the value of personality as an eternal priority; that is, promote the creative genius of the individual. In this way, we want to sever ties with any appearance of a listless democracy. We want to replace it with the timeless awareness that everything great can only spring from the force of the individual personality, and that everything destined to last must again be entrusted to the abilities of the individual personality.

it was England that shone as Hamilton’s true lodestar in public finance. Back in the 1690s, the British had set up the Bank of England, enacted an excise tax on spirits, and funded its public debt—that is, pledged specific revenues to insure repayment of its debt. During the eighteenth century, it had vastly expanded that public debt. Far from weakening the country, it had produced manifold benefits. Public credit had enabled England to build up the Royal Navy, to prosecute wars around the world, to maintain a global commercial empire. At the same time, government bonds issued to pay for the debt galvanized the economy, since creditors could use them as collateral for loans. By imitating British practice, Hamilton did not intend to make America subservient to the former mother country, as critics claimed. His objective was to promote American prosperity and self-sufficiency and make the country ultimately less reliant on British capital. Hamilton wanted to use British methods to defeat Britain economically.

Compliance with the law of the fast would call attention to the sin of over-eating, place the body in subjection the the spirit, and so promote communion with the Holy Ghost, and insure a spiritual strength and power which the people of the nation so greatly need. As fasting should alwys be accompanied by prayer, this law would bring the people nearer to God, and divert their mins once a month at least, from the mad rush of worldly affairs and cause them to be brought into immediate contact with practical pure, and undefiled religion.

To be genuinely "pro-life" is to be firmly pro-contraception. By its stubborn theological clinging to "Humanae Vitae" and its collusion with right-wing-sponsored legislative initiatives aimed at restricting birth control, whether through insurance mandates or strings attached to foreign aid, the Catholic hierarchy has, in effect, turned Roman Catholicism into an abortionist church. To repeat: Catholic condemnation of birth control promotes abortion — period. That tells us that something else is going on here besides a genuine concern for life.

The nature of the present economic crisis illustrates very clearly the need for departures from unmitigated and unrestrained self-seeking in order to have a decent society. Even John McCain, the 2008 U.S. Republican presidential candidate, complained constantly in his campaign speeches of “the greed of Wall Street.” Smith had a diagnosis for this: he called promoters of excessive risk in search of profits “prodigals and projectors”—which, by the way, is quite a good description of many of the entrepreneurs of credit swaps insurances and subprime mortgages over the recent past.

Bank-friendly writers and lobbyists fostered a myth that the economy needed its investment banks to remain solvent to keep the economy functioning. But many former officials, including Bair, SIGTARP‘s Neil Barofsky, and Reagan Administration budget director David Stockman, rejected the claims that public guarantees for reckless bank loans was needed to protect insured depositors. Retail savings and checking accounts were never threatened by the bad gambles that banks made. But this myth had to be promoted in order for Paulson, Geithner Bernanke and other bank protectors to persuade Congress to overrule Bair and make government (“taxpayers”) pay. Their aim was to save the banks from being nationalized, and to protect bankers from being prosecuted for fraud or reining in the exorbitant salaries and bonuses they had given themselves. No attempt was made to change the system that had led to the crash. If

In other words, you have been hypnotized or conditioned by an educational processing-system arranged in grades or steps, supposedly leading to some ultimate Success. First nursery school or kindergarten, then the grades or forms of elementary school, preparing you for the great moment of secondary school! But then more steps, up and up to the coveted goal of the university. Here, if you are clever, you can stay on indefinitely by getting into graduate school and becoming a permanent student. Otherwise, you are headed step by step for the great Outside World of family-raising, business, and profession. Yet graduation day is a very temporary fulfillment, for with your first sales-promotion meeting you are back in the same old system, being urged to make that quota (and if you do, they’ll give you a higher quota) and so progress up the ladder to sales manager, vice-president, and, at last, president of your own show (about forty to forty-five years old). In the meantime, the insurance and investment people have been interesting you in plans for Retirement—that really ultimate goal of being able to sit back and enjoy the fruits of all your labors. But when that day comes, your anxieties and exertions will have left you with a weak heart, false teeth, prostate trouble, sexual impotence, fuzzy eyesight, and a vile digestion.

The most common criticism of the spread was that it detached policy debate from the real world, that nobody used language the way that these debaters did, save perhaps for auctioneers. But even adolescents knew this wasn't true, that corporate persons deployed a version of the spread all the time: for they heard the spoken warnings at the end of the increasingly common television commercials for prescription drugs, when risk information was disclosed at a speed designed to make it difficult to comprehend; they heard the list of rules and caveats read rapid-fire at the end of promotions on the radio; they were at least vaguely familiar with the 'fine print' one received from financial institutions and health-insurance companies; the last thing one was supposed to do with these thousands of words was comprehend them. These types of disclosure were designed to conceal; they exposed you to information that, should you challenge the institution in question, would be treated like a 'dropped argument' in a fast round of debate - you have already conceded the validity of the point by failing to address it when it was presented. It's no excuse that you didn't have the time. Even before the twenty-four hour news cycle, Twitter storms, algorithmic trading, spreadsheets, the DDoS attack, Americans were getting 'spread' in their daily lives; meanwhile, their politicians went on speaking slowly, slowly about values utterly disconnected from their policies.

According to Bartholomew, an important goal of St. Louis zoning was to prevent movement into 'finer residential districts . . . by colored people.' He noted that without a previous zoning law, such neighborhoods have become run-down, 'where values have depreciated, homes are either vacant or occupied by color people.' The survey Bartholomew supervised before drafting the zoning ordinance listed the race of each building's occupants. Bartholomew attempted to estimate where African Americans might encroach so the commission could respond with restrictions to control their spread. The St. Louis zoning ordinance was eventually adopted in 1919, two years after the Supreme Court's Buchanan ruling banned racial assignments; with no reference to race, the ordinance pretended to be in compliance. Guided by Bartholomew's survey, it designated land for future industrial development if it was in or adjacent to neighborhoods with substantial African American populations. Once such rules were in force, plan commission meetings were consumed with requests for variances. Race was frequently a factor. For example, on meeting in 1919 debated a proposal to reclassify a single-family property from first-residential to commercial because the area to the south had been 'invaded by negroes.' Bartholomew persuaded the commission members to deny the variance because, he said, keeping the first-residential designation would preserve homes in the area as unaffordable to African Americans and thus stop the encroachment. On other occasions, the commission changed an area's zoning from residential to industrial if African American families had begun to move into it. In 1927, violating its normal policy, the commission authorized a park and playground in an industrial, not residential, area in hopes that this would draw African American families to seek housing nearby. Similar decision making continued through the middle of the twentieth century. In a 1942 meeting, commissioners explained they were zoning an area in a commercial strip as multifamily because it could then 'develop into a favorable dwelling district for Colored people. In 1948, commissioners explained they were designating a U-shaped industrial zone to create a buffer between African Americans inside the U and whites outside. In addition to promoting segregation, zoning decisions contributed to degrading St. Louis's African American neighborhoods into slums. Not only were these neighborhoods zoned to permit industry, even polluting industry, but the plan commission permitted taverns, liquor stores, nightclubs, and houses of prostitution to open in African American neighborhoods but prohibited these as zoning violations in neighborhoods where whites lived. Residences in single-family districts could not legally be subdivided, but those in industrial districts could be, and with African Americans restricted from all but a few neighborhoods, rooming houses sprang up to accommodate the overcrowded population. Later in the twentieth century, when the Federal Housing Administration (FHA) developed the insure amortized mortgage as a way to promote homeownership nationwide, these zoning practices rendered African Americans ineligible for such mortgages because banks and the FHA considered the existence of nearby rooming houses, commercial development, or industry to create risk to the property value of single-family areas. Without such mortgages, the effective cost of African American housing was greater than that of similar housing in white neighborhoods, leaving owners with fewer resources for upkeep. African American homes were then more likely to deteriorate, reinforcing their neighborhoods' slum conditions.

New Deal legislation undoubtedly saved thousands of lives and prevented destitution for millions. New labor laws led to a flourishing of unions and built a strong white middle class. The Social Security Act of 1935 established the principle of cash payments in cases of unemployment, old age, or loss of a family breadwinner, and it did so as a matter of right, not on the basis of individual moral character. But the New Deal also created racial, gender, and class divisions that continue to produce inequities in our society today. Roosevelt’s administration capitulated to white supremacy in ways that still bear bitter fruit. The Civilian Conservation Corps capped Black participation in federally supported work relief at 10 percent of available jobs, though African Americans experienced 80 percent unemployment in northern cities. The National Housing Act of 1934 redoubled the burden on Black neighborhoods by promoting residential segregation and encouraging mortgage redlining. The Wagner Act granted workers the right to organize, but allowed segregated trade unions. Most importantly, in response to threats that southern states would not support the Social Security Act, both agricultural and domestic workers were explicitly excluded from its employment protections. The “southern compromise” left the great majority of African American workers—and a not-insignificant number of poor white tenant farmers, sharecroppers, and domestics—with no minimum wage, unemployment protection, old-age insurance, or right to collective bargaining.

For example, in the 1960s, credit card companies, which host the two-sided merchant and cardholder platform, resisted insuring cardholders against fraud on their cards. They argued that insurance would promote fraud as consumers would become careless with their cards, and that banks forced to absorb more risk would become more reluctant to extend credit, hurting low-income consumers. Over the vigorous objections of major banks, the Fair Credit Reporting Act (1970) and a subsequent amendment required fraud insurance, imposing a limit of $50 on consumer liability for fraudulent use of a credit card. The disaster predicted by the credit card companies did not occur. Freed from the fear of fraud, consumers used their cards so much more often that the increase in interaction volume more than offset the increase in fraud. The business benefit from fraud insurance is so powerful that, in order to encourage adoption and use, many banks now waive the $50 charge if consumers report a lost or stolen card within twenty-four hours.45

The finish given to the style and arrangement of the Constitution, fairly belongs to the pen of Mr. Morris.” His pen gave the United States the beautiful, most oft-quoted words of the Constitution, the Preamble: “We the people of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

life insurance companies have been reporting alarming increases in all-cause mortality and disability in working-age people. We may be experiencing both a huge human tragedy as well as a profound failure of the US government to serve and protect its citizens. We may be forced to conclude that the genetic vaccines that were so aggressively promoted have failed and the federal campaign to prevent early treatment with lifesaving drugs has contributed to a massive, avoidable loss of life.

In the eighties, the design community witnessed the great rise of “professionalism” (now a euphemism for the production of noninnovative but stylishly acceptable work—usually in corporate communications—coupled with very good fees). Along with “professionalism” came the “business consultant to the designers,” who proclaimed, “Design is a business.” This became the mantra of the eighties. The AIGA, along with other organizations and publications, produced seminars, conferences, and special magazine issues devoted to the business of design. These were followed by a plethora of design self-help books, which told you how to set up your own business, how to promote, how to speak correct business jargon, how to dress, how to buy insurance, and so on. There was nothing inherently wrong with this except for the subsequent confusion it caused. “Professional” work did look more professional, and corporate communications in general were visually improved. The level of design mediocrity rose. Also, practicing designers as a rule had previously been rather sloppy about running their businesses. They were easily taken advantage of, didn’t know how to construct proposals, and were generally more interested in designing than in minding the store, networking, or planning for the future. The business seminars did no harm, but the political and economic climate of the eighties in general, coupled with the pervasiveness of the “design is a business” hype, perverted the design community’s overall goal. The goal became money.

(The term “sheep-dipped” appears in The New York Times version of the Pentagon Papers without clarification. It is an intricate Army-devised process by which a man who is in the service as a full career soldier or officer agrees to go through all the legal and official motions of resigning from the service. Then, rather than actually being released, his records are pulled from the Army personnel files and transferred to a special Army intelligence file. Substitute but nonetheless real-appearing records are then processed, and the man “leaves” the service. He is encouraged to write to friends and give a cover reason why he got out. He goes to his bank and charge card services and changes his status to civilian, and does the hundreds of other official and personal things that any man would do if he really had gotten out of the service. Meanwhile, his real Army records are kept in secrecy, but not forgotten. If his contemporaries get promoted, he gets promoted. All of the things that can be done for his hidden records to keep him even with his peers are done. Some very real problems arise in the event he gets killed or captured as a prisoner. There are problems with insurance and with benefits his wife would receive had he remained in the service. At this point, sheep-dipping gets really complicated, and each case is handled quite separately.)

For our purposes, the term homesteading simply refers to a lifestyle that promotes greater self-sufficiency and resilience while providing insurance against “the system” by simplifying the complexities of our modern society and our lives down to focus on addressing our basic needs. Think

The key concept is efficiency. The primary function of the Canadian welfare state is not to redistribute wealth— it does almost none of that. Government is involved in the economy because, in many cases, the state is able to deliver goods and services more efficiently than the market. From highways and pest control to health insurance and pensions, government is able to get the job done better. Thus the welfare state, far from being an unstable compromise between capitalism and socialism, is a perfectly logical arrangement—one that is designed to promote the overall efficiency of our economy.

The Constitution of the United States of America* We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

There were other important reasons for the growth of American individualism at the expense of community in the second half of the twentieth century besides the nature of capitalism. The first arose as an unintended consequence of a number of liberal reforms of the 1960s and 1970s. Slum clearance uprooted and destroyed many of the social networks that existed in poor neighborhoods, replacing them with an anonymous and increasingly dangerous existence in high-rise public housing units. “Good government” drives eliminated the political machines that at one time governed most large American cities. The old, ethnically based machines were often highly corrupt, but they served as a source of local empowerment and community for their clients. In subsequent years, the most important political action would take place not in the local community but at higher and higher levels of state and federal government. A second factor had to do with the expansion of the welfare state from the New Deal on, which tended to make federal, state, and local governments responsible for many social welfare functions that had previously been under the purview of civil society. The original argument for the expansion of state responsibilities to include social security, welfare, unemployment insurance, training, and the like was that the organic communities of preindustrial society that had previously provided these services were no longer capable of doing so as a result of industrialization, urbanization, decline of extended families, and related phenomena. But it proved to be the case that the growth of the welfare state accelerated the decline of those very communal institutions that it was designed to supplement. Welfare dependency in the United States is only the most prominent example: Aid to Familles with Dependent Children, the depression-era legislation that was designed to help widows and single mothers over the transition as they reestablished their lives and families, became the mechanism that permitted entire inner-city populations to raise children without the benefit of fathers. The rise of the welfare state cannot be more than a partial explanation for the decline of community, however. Many European societies have much more extensive welfare states than the United States; while nuclear families have broken down there as well, there is a much lower level of extreme social pathology. A more serious threat to community has come, it would seem, from the vast expansion in the number and scope of rights to which Americans believe they are entitled, and the “rights culture” this produces. Rights-based individualism is deeply embedded in American political theory and constitutional law. One might argue, in fact, that the fundamental tendency of American institutions is to promote an ever-increasing degree of individualism. We have seen repeatedly that communities tend to be intolerant of outsiders in proportion to their internal cohesiveness, because the very strength of the principles that bind members together exclude those that do not share them. Many of the strong communal structures in the United States at midcentury discriminated in a variety of ways: country clubs that served as networking sites for business executives did not allow Jews, blacks, or women to join; church-run schools that taught strong moral values did not permit children of other denominations to enroll; charitable organizations provided services for only certain groups of people and tried to impose intrusive rules of behavior on their clients. The exclusiveness of these communities conflicted with the principle of equal rights, and the state increasingly took the side of those excluded against these communal organizations.

...Here we are concerned with the teaching of not just any subject, but with the direct object of the sentence: composition, about putting words together to create meanings, in the sense that a music composer puts notes together to create new music. Our problem becomes how we can provide the circumstances that promote such learning. Promote is the key word. The evidence is that learning to write in the sense of compose does not take place in the absence of appropriate environments to promote such learning. "To create those environments, if they are to be available to all students, regardless of home environments, we need a set of theories that allow us to integrate not only the varieties of knowledge that writers need, but a theory of teaching writing that demands a combination of optimism and constant skepticism about what we do as teachers. Our integration of theories must allow us to act but, at the same time, insure our constant evaluation of each action, whether tried and true or new.

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

Genesis 11:4 for Zane:   “And they said, Go to, let us build us a city and a tower, whose top may reach unto heaven; and let us make us a name, lest we be scattered abroad upon the face of the whole earth.”   “Doesn’t that sound just a little familiar?” He sat back and went into full quoting mode again:   “We the people (‘go to, let us’) of the United States (‘make us a name’), in Order to form a more perfect Union, (‘lest we be scattered abroad’), establish Justice, insure domestic Tranquility, provide for the common defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

WHY HABITS ARE GOOD FOR BUSINESS If our programmed behaviors are so influential in guiding our everyday actions, surely harnessing the same power of habits can be a boon for industry. Indeed, for those able to shape them in an effective way, habits can be very good for the bottom line. Habit-forming products change user behavior and create unprompted user engagement. The aim is to influence customers to use your product on their own, again and again, without relying on overt calls to action such as ads or promotions. Once a habit is formed, the user is automatically triggered to use the product during routine events such as wanting to kill time while waiting in line. However, the framework and practices explored in this book are not “one size fits all” and do not apply to every business or industry. Entrepreneurs should evaluate how user habits impact their particular business model and goals. While the viability of some products depends on habit-formation to thrive, that is not always the case. For example, companies selling infrequently bought or used products or services do not require habitual users—at least, not in the sense of everyday engagement. Life insurance companies, for instance, leverage salespeople, advertising, and word-of-mouth referrals and recommendations to prompt consumers to buy policies. Once the policy is bought, there is nothing more the customer needs to do. In this book I refer to products in the context of businesses that require ongoing, unprompted user engagement and therefore need to build user habits. I exclude companies that compel customers to take action through

Harvard’s Ichiro Kawachi agrees. He identifies a range of social policies that would be vital to promoting greater socioeconomic equality—and hence, better health. “Make an investment in education, for example, to give people a decent start in life,” he says. “We can subsidize childcare, which is a major stress for low-income mothers, especially those who are single parents. We can expand unemployment insurance and expand access to health care. This is controversial only in the United States. Other societies view health care as a basic human right.

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

The system of profit equations that Jerome Levy wrote down in 1914 anticipated a similar set of equations written down by the Polish economist Michal Kalecki in 1935. And Kalecki’s system is regarded by a lot of people as containing nearly all of what’s useful in J. M. Keynes’ General Theory of Employment, Interest and Money, published in 1936 and widely accepted as one of the greatest works of economics ever. Levy went on to demonstrate that the proverb ‘if you’re so smart, why aren’t you rich?’ was not applicable in this case; aided by his sons, the Levy family went into finance with sufficient success that the Jerome Levy Forecasting Institute they endowed at Bard College continues to promote their approach to economics today. You used to be able to buy a copy of the book Jerome wrote in 1943, Economics Is an Exact Science, from them; I got mine in about 2002. In the introduction to that book, Levy sets out his view of the purpose of capitalism: The working class is the original and fundamental economic class . . . The function of the investing class is to serve the members of the working class by insuring them against loss and by providing them with desired goods. The justification for the existence of the investing class is the service it renders the working class, measured in terms of wages and desired goods. The contrary is not true. The working class does not exist to serve the investing class. The working class has the right to insure itself through organizations composed of its members or through government, thereby eliminating the investing class.

[A] faith which promotes a good life insures also a good death; . . . he who lives well always dies well. Yes; let the lightning’s vivid flash; let storm, or poison, the gleaming dagger, the noon-day pestilence— let any of them be the instrument by which the spirit is disrobed of its fleshly clothing; let death come in slowly wasting years, or in but one moment’s agony; in calm consciousness or in delirious dream, death is good and welcome, if man has passed existence and probation wisely; for a better life is hid with Christ, and the freed spirit does but go home to be with God.

But the new century brought a ‘New Liberalism’, which saw social improvement as something which the state should deliberately direct. The President of the Board of Trade took this up with the zeal of a convert, proposing a minimum wage, creating labour exchanges to find work for the unemployed, suppressing ‘sweat shops’ – small garment factories where men, and often women, many of them immigrants, worked very long hours for very low wages – and then helping Lloyd George, who had been promoted as Chancellor of the Exchequer, to introduce National Insurance and an old age pension.

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

We the people of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

Six critical questions to ask your Guy 1. How are you paid? Fee-only advisers receive no compensation from the sale of investment products. All others do. You can’t count on an adviser who gets a significant portion of their pay in sales commissions. Period. Leave if they are not fee-only. 2. Do you have any conflicts of interest that influence the advice you provide? Financial advisers who are registered representatives get paid to sell insurance or annuity products promoted by their brokers. Ask how they choose the investments they recommend. Ask them directly how they are paid. 3. Will my assets be housed with an independent custodian—that is, a bank that is not selling the investment products? “Yes” is the only acceptable answer here.

It is such a pathetic illusion for priests to think that they will preserve anything by staying under the radar in not learning, defending and promoting the Message of Fatima in all its fullness to the extent that they are able. If we don't stand up and act on the truth of the Fatima Message very quickly, we are all going to lose our necks, beyond our positions and salaries and insurance policies!

Government's commitment to separating residential areas by race began nationwide following the violent suppression of Reconstruction after 1877. Although the Supreme Court in 1917 forbade the first wave of policies—racial segregation by zoning ordinance—the federal government began to recommend ways that cities could evade that ruling, not only in the southern and border states but across the country. In the 1920s a Harding administration committee promoted zoning ordinances that distinguished single-family from multifamily districts. Although government publications did not say it in as many words, committee members made little effort to hide that an important purpose was to prevent racial integration. Simultaneously, and through the 1920s and the Hoover administration, the government conducted a propaganda campaign directed at white middle-class families to persuade them to move out of apartments and into single-family dwellings. During the 1930s the Roosevelt administration created maps of every metropolitan area, divided into zones of foreclosure risk based in part on the race of their occupants. The administration then insured white homeowners' mortgages if they lived in all-white neighborhoods into which there was little danger of African Americans moving. After World War II the federal government went further and spurred the suburbanization of every metropolitan area by guaranteeing bank loans to mass-production builders who would create the all-white subdivisions that came to ring American cities. In 1973, the U.S. Commission on Civil Rights concluded that the 'housing industry, aided and abetted by Government, must bear the primary responsibility for the legacy of segregated housing. . . . Government and private industry came together to create a system of residential segregation.

Perhaps less pernicious but still worrisome is reliance on “wellness” programs, which most medium to large employers in the United States have, despite the fact that, overall, they have not been validated to promote health outcomes. Typically, a wellness program combines step counting, weight and blood pressure readings, and cholesterol lab tests, as well as some incentive for employees to participate (such as a surcharge on an employee’s contribution to the cost of insurance). But wellness is poorly defined, and the cost effectiveness of such strategies has been seriously questioned.50 One way such programs could be improved, however, is through the use of virtual medical coaches, which could gather and make use of far more granular and deeper information about each individual.

Be the solution, not the problem One way you’ll be invaluable is learn to be a problem solver. That’s what Joseph was. He was solution oriented. Don’t go to your boss and say, “Our department is falling apart. This manager is about to quit. Bob cursed out Jim, and Bill keeps leaving early. Nobody paid our taxes last month. What do you want me to do?” That’s not the way to get promoted. If you present a problem, always present a solution as well. If you can’t present a solution, hold it until you can figure out something. A child can come tell me the building is on fire. That’s easy. That doesn’t take any skill. But I want somebody to tell me not only is the building on fire, but also the fire department is on the way, all the people are safe, the insurance company has been notified, and temporary quarters have been arranged. If you want to be invaluable to your organization, present your bosses with solutions, not problems.

I’ve developed a love affair with our Constitution. Its purpose, as stated in the preamble, includes, to “insure domestic tranquility [and] promote the general welfare.” We all know that we’re better than our current politics. Tribalism

Polyvagal Theory defines interactive play as a “neural exercise” that enhances the co-regulation of physiological state to promote the neural mechanisms involved in supporting mental and physical health. Interactive play as a neural exercise requires synchronous and reciprocal behaviors between individuals and necessitates an awareness of each other’s social engagement system. Access to the social engagement system insures that the sympathetic activation involved in the mobilization does not hijack the nervous system, resulting in playful movements transitioning into aggressive behavior.

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