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What was to be a relatively innocuous federal government, operating from a defined enumeration of specific grants of power, has become an ever-present and unaccountable force. It is the nation’s largest creditor, debtor, lender, employer, consumer, contractor, grantor, property owner, tenant, insurer, health-care provider, and pension guarantor. Moreover, with aggrandized police powers, what it does not control directly it bans or mandates by regulation.

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

I can follow pretty much every programming language out there, I can make a two-hundred-year-old diary out of some really nasty ingredients, I can even make sense out of the instruction booklets that come with IKEA furniture, but I can*not* make heads or tails of this nonsense right here.

Social Security and Medicare were sold to the public as insurance programs. They are not. As such, they now rely mostly on the “contributions” of younger workers and massive federal borrowing to subsidize them. Despite repeated and dire warnings about their unsustainable fiscal condition from the trustees appointed to oversee them, younger workers are compelled to continue to pay into these programs, from which they are unlikely to benefit upon their retirement and for which future generations will bear the brunt of their eventual collapse.

Inefficiency. A centralized financial system has many inefficiencies. Perhaps the most egregious example is the credit card interchange rate that causes consumers and small businesses to lose up to 3 percent of a transaction's value with every swipe due to the payment network oligopoly's pricing power. Remittance fees are 5–7 percent. Time is also wasted in the two days it takes to “settle” a stock transaction (officially transfer ownership). In the Internet age, this seems utterly implausible. Other inefficiencies include costly (and slow) transfer of funds, direct and indirect brokerage fees, lack of security, and the inability to conduct microtransactions, many of which are not obvious to users. In the current banking system, deposit interest rates remain very low and loan rates high because banks need to cover their brick-and-mortar costs. The insurance industry provides another example.

Those diversions sparked her life with momentary excitement. Without them, Charis felt she would be driven mad by the unrelenting sameness of life in the palace. Now and again she imagined that she would like to run away, to disguise herself and travel the tumbled hills, to see life among the simple herdsmen and their families; or perhaps she would take a boat and sail the coasts, visiting tiny, sun-baked fishing villages and learning the rhythm of the sea. Unfortunately, making good either of those plans would mean taking action, and the only thing more palpable than the boredom she endured was the inertia that enclosed her like a massive fist. The weighty impossibility of changing her life in any but the most insignificant detail insured that she would not try. She sighed again and returned to the corridor, pausing to pick a sunshade from a nearby bush, idly plucking the delicate yellow petals and dropping them one by one, like days, fluttering from her hand.

Believe me," Dr. Tamalet summed up, "if you wanted that operation in France, you could get it" Which is, of course, the boon and the bane of France's health care system. It offers a maximum of free choice among skillful doctors and well-equipped hospitals, with little or not waiting, at bargain-basement prices [in out-of-pocket terms to the consumer]. It's a system that enables the French to live longer and healthier lives, with zero risk of financial loss due to illness. But somebody has to pay for all that high-quality, ready-when-you-need-it care--and the patients, so far, have not been willing to do so. As a result, the major health insurance funds are all operating at a deficit, and the costs of the health care system are increasing significantly faster than the economy as a whole. That's why the doctors keep striking and the sickness funds keep negotiating and the government keeps going back to the drawing board, with a new 'major health care reform' every few years. So far, the saving grace for France's system has been the high level of efficiency, as exemplified by the 'carte vitale,' that keeps administrative costs low--much lower than in the United States.

How?” Dr. Tuttle asked. “Slit her wrists,” I lied. “Good to know.” Her hair was red and frizzy. The foam brace she wore around her neck had what looked like coffee and food stains on it, and it squished the skin on her neck up toward her chin. Her face was like a bloodhound’s, folded and drooping, her sunken eyes hidden under very small wire-framed glasses with Coke-bottle lenses. I never got a good look at Dr. Tuttle’s eyes. I suspect that they were crazy eyes, black and shiny, like a crow’s. The pen she used was long and purple and had a purple feather at the end of it. “Both my parents died when I was in college,” I went on. “Just a few years ago.” She seemed to study me for a moment, her expression blank and breathless. Then she turned back to her little prescription pad. “I’m very good with insurance companies,” she said matter-of-factly. “I know how to play into their little games. Are you sleeping at all?” “Barely,” I said. “Any dreams?” “Only nightmares.” “I figured. Sleep is key. Most people need upwards of fourteen hours or so. The modern age has forced us to live unnatural lives. Busy, busy, busy. Go, go, go. You probably work too much.” She scribbled for a while on her pad. “Mirth,” Dr. Tuttle said. “I like it better than joy. Happiness isn’t a word I like to use in here. It’s very arresting, happiness. You should know that I’m someone who appreciates the subtleties of human experience. Being well rested is a precondition, of course. Do you know what mirth means? M-I-R-T-H?” “Yeah. Like The House of Mirth,” I said. “A sad story,” said Dr. Tuttle. “I haven’t read it.” “Better you don’t.

Directors of the League were identified as also being directors of U.S. Steel, General Motors, Standard Oil, Chase National Bank, Goodyear Tire, and Mutual Life Insurance Company.

He knew that all was well in the silent house. Reeves was here—somewhere—as good as a watch dog and an insurance policy in one. Reeves would have been all over the house, as silent as a shadow, prying and guarding both. He would have looked in at the two sleeping women, quite calm and unembarrassed. Reeves was a very domestic character

When the smoke clears, we can expect to see about a hundred dominant players in about fifty distinct markets, known as value chains, around the world. In most cases there will be a duopoly of two giants in each market. The concepts of banking, financial services, and insurance will converge. Consolidation of telecom, entertainment, and tech will accelerate.

In a flash of certainty,” he wrote, “I saw that if one’s motives are wrong, nothing can be right. It makes no difference whether you are a mailman, a hairdresser, an insurance salesman, a housewife—whatever. As long as you feel you are serving others, you do the job well. When you are concerned only with helping yourself, you do it less well—a law as inexorable as gravity.

The term ‘redlining’… comes from the development by the New Deal, by the federal government of maps of every metropolitan area in the country. And those maps were color-coded by first the Home Owners Loan Corp. and then the Federal Housing Administration and then adopted by the Veterans Administration, and these color codes were designed to indicate where it was safe to insure mortgages. And anywhere where African-Americans lived, anywhere where African-Americans lived nearby were colored red to indicate to appraisers that these neighborhoods were too risky to insure mortgages.”35

Because the NHS budget covers everybody, the money saved on one patient can be used to treat another. Declining to operate on a sick grandmother means there is more money available to treat sick children. Accordingly, protests about denied coverage tend to be muted. In the U.S. system, that trade-off doesn’t apply; if an American insurance company refuses to pay $36,000 for Herceptin for one of its clients, the money saved is likely used to enhance profits.

Suddenly, I couldn't wait for them to leave. I didn’t want to be around them. Hadn't I seen somewhere that family should rely on each other? I think it was an insurance commercial. The slogan was, “You should be there for your family, let us help,” or something like that. Why did I always feel like I was a burden to my family? How could a commercial for life insurance get a pretty standard value, and I was left feeling like I was the only one that understood it? I had stopped crying about the way they made me feel a long time ago, but that didn’t mean my feelings weren’t raw.

Viewed abstractly, systems analysis implies rigorous thinking, hopefully quantitative, regarding the gains and the resource-expenditures involved in a particular course of action -- to insure that scarce resources are employed productively rather than wastefully.

The American real-estate industry believed segregation to be a moral principle. As late as 1950, the National Association of Real Estate Boards' code of ethics warned that "a Realtor should never be instrumental in introducing into a neighborhood ... any race or nationality, or any individuals whose presence will clearly be detrimental to property values." A 1943 brochure specified that such potential undesireables might include madams, bootleggers, gangsters - and "a colored man of means who was giving his children a college education and thought they were entitled to live among whites." The federal government concurred. It was the How Owners' Loan Corporation, not a private trade association, that pioneered the practice of redlining, selectively granting loans and insisting that any property it insured be covered by a restrictive covenant - a clause in the deed forbidding the sale of the property to anyone other than whites. Millions of dollars flowed from tax coffers into segregated white neighborhoods. "For perhaps the first time, the federal government embraced the discriminatory attitudes of the marketplace," the historian Kenneth R. Jackson wrote in his 1985 book, Crabgrass Frontier, a history of suburbanization. "Previously, prejudices were personalized and individualized; FHA exhorted segregation and enshrined it as public policy. Whole areas of cities were declared ineligible for loan guarantees." Redlining was not officially outlawed until 1968, by the Fair Housing Act. By then the damage was done - and reports of redlining by banks have continued.

At New London, parking was available for submariners at the head of the finger piers. Should a submarine be brought alongside at too high a speed, or if a backing bell failed to be answered, the heavy, protruding bow on occasion overrode the dock and damaged the car parked at the head of the pier. To emphasize the need for caution in avoiding a possible submarine-auto collision, the first parking space was reserved for the skipper of the submarine, thereby guaranteeing the enthusiastic co-operation of the CO in preventing possible damage to a U.S. naval vessel if only to avoid more serious damage to the family wheels. Insurance claims based on collisions between submarine and automobile in New London were unusual but far from unknown.

Marxism claims to be more than a science. It does more than make a historical prophecy. It claims to be the basis for practical political action. It criticizes existing society, and it asserts that it can lead the way to a better world. But according to Marx’s own theory, we cannot at will alter the economic reality by, for example, legal reforms. Politics can do no more than ‘shorten and lessen the birth-pangs’.23 This, I think, is an extremely poor political programme, and its poverty is a consequence of the third-rate place which it attributes to political power in the hierarchy of powers. For according to Marx, the real power lies in the evolution of machinery; next in importance is the system of economic class-relationships; and the least important influence is that of politics. A directly opposite view is implied in the position we have reached in our analysis. It considers political power as fundamental. Political power, from this point of view, can control economic power. This means an immense extension of the field of political activities. We can ask what we wish to achieve and how to achieve it. We can, for instance, develop a rational political programme for the protection of the economically weak. We can make laws to limit exploitation. We can limit the working day; but we can do much more. By law, we can insure the workers (or better still, all citizens) against disability, unemployment, and old age. In this way we can make impossible such forms of exploitation as are based upon the helpless economic position of a worker who must yield to anything in order not to starve. And when we are able by law to guarantee a livelihood to everybody willing to work, and there is no reason why we should not achieve that, then the protection of the freedom of the citizen from economic fear and economic intimidation will approach completeness. From this point of view, political power is the key to economic protection. Political power and its control is everything. Economic power must not be permitted to dominate political power; if necessary, it must be fought and brought under control by political power.

Switzerland, and the Netherlands, any resident can choose any insurance plan on the market—and change to a new plan on short notice. That’s a wider choice of health insurance than any American has.

reminded Al-Aswany of this before I read back to him what he had said about Egypt in the same interview with Egypt Today in response to a devastating survey of the country by Mondial, a leading U.K. provider of advice for foreign companies investing in Egypt and for those seeking travel insurance. The survey had produced a wave of soul-searching in the Egyptian media, and not a few knee-jerk reactions, after it ranked the country's service and tourist sectors a flat zero.

The most controversial part of the controversial legislation now derided by Republicans as “Obamacare”—the mandate that individuals buy health insurance—was originally proposed by Republican economists, championed by the conservative Heritage Foundation, introduced in Congress by Republican politicians, and enacted in Massachusetts under Republican governor Mitt Romney.16 Planned Parenthood, now anathema to Republicans because of its pro-choice policies, enjoyed the support of two of the biggest dynasties of Republican politics, the Goldwater and Bush families, until the rise of the Religious Right in the 1980s made the pro-life position a litmus test for the GOP. And Republican platforms from 1940 to 1976 endorsed the Equal Rights Amendment for women.

Consider the case of SeaTac, a suburb of Seattle that increased its minimum wage for certain service industry employees to fifteen dollars per hour starting January 1, 2014. The Seattle Times reported in February 2014: “At the Clarion Hotel off International Boulevard, a sit-down restaurant has been shuttered, though it might be replaced by a less-labor-intensive café. . . . Other businesses have adjusted in ways that run the gamut from putting more work in the hands of managers, to instituting a small ‘living-wage surcharge’ for a daily parking space near the airport.” Some businesses in SeaTac have cut benefits to their employees. When asked whether they appreciated the increase in the minimum wage, a hotel employee replied, “I lost my 401k, health insurance, paid holiday and vacation.” The hotel reportedly offered meals to its employees. Now the employees must bring their own food. The hotel has also cut overtime and the opportunity to earn overtime pay. A part-time waitress stated, “I’ve got $15 an hour, but all my tips are now much less.”41

I also quickly came to appreciate the importance of watching what’s said around clients. When clients make unexpected requests for legal advice – as they often do – I learned that it was better to tell them I’d get back to them with an answer, and go away, research the question, and consult with a supervising attorney, rather than firing back an answer off-the-cuff. A friend of mine at another firm told me a story that illustrates the risks of saying too much. It seems an insurance company had engaged my friend’s California-based firm to help in defending against an environmental claim. This claim entailed reviewing huge volumes of documents in Arizona. So my friend’s firm sent teams of associates to Arizona, all expenses paid, on a weekly basis. Because the insurance company also sent its own lawyers and paralegals, as did other insurance companies who were also defendants in the lawsuit, the document review facility was often staffed with numerous attorneys and paralegals from different firms. Associates were instructed not to discuss the case with anyone unless they knew with whom they were speaking. After several months of document review, one associate from my friend’s firm abandoned his professionalism and discretion when he began describing to a young woman who had recently arrived at the facility what boondoggles the weekly trips were. He talked at length about the free airfare, expensive meals, the easy work, and the evening partying the trips involved. As fate would have it, the young woman was a paralegal working for the insurance company – the client who was paying for all of his “perks” – and she promptly informed her superiors about his comments. Not surprisingly, the associate was fired before the end of the month. My life as an associate would have been a lot easier if I had delegated work more freely. I’ve mentioned the stress associated with delegating work, but the flip side of that was appreciating the importance of asking others for help rather than doing everything myself. I found that by delegating to paralegals and other staff members some of my more tedious assignments, I was free to do more interesting work. I also wish I’d given myself greater latitude to make mistakes. As high achievers, law students often put enormous stress on themselves to be perfect, and I was no different. But as a new lawyer, I, of course, made mistakes; that’s the inevitable result of inexperience. Rather than expect perfection and be inevitably disappointed, I’d have been better off to let myself be tripped up by inexperience – and focus, instead, on reducing mistakes caused by carelessness. Finally, I tried to rely more on other associates within the firm for advice on assignments and office politics. When I learned to do this, I found that these insights gave me either the assurance that I was using the right approach, or guidance as to what the right approach might be. It didn’t take me long to realize that getting the “inside scoop” on firm politics was crucial to my own political survival. Once I figured this out, I made sure I not only exchanged information with other junior associates, but I also went out of my way to gather key insights from mid-level and senior associates, who typically knew more about the latest political maneuverings and happenings. Such information enabled me to better understand the various personal agendas directing work flow and office decisions and, in turn, to better position myself with respect to issues and cases circulating in the office.

to escape the piece, insuring she could detach her spirit from it and let it go. It was thought the weaver became part of the piece during the creation. It was a tradition common in most Navajo art.

Wealthy people and corporations often give money to both sides in an election. They do this for insurance, because they cannot afford to offend the people who win political power. It is often an error to say they “put Hitler in power,” etc. People with assets need to avoid offending ambitious politicians. The wealthy contribute to many politicians if only to safeguard their interests. It is dangerous to be the target of government prosecution, antitrust, etc. All businesses are potential targets of government. J.R.Nyquist

Victor R. Fuchs, 1976, “From Bismarck to Woodcock: The ‘irrational’ pursuit of national health insurance,” Journal of Law and Economics, 19(2), 347–59.

A critical DeFi primitive is the ability to escrow or custody funds directly in a smart contract. This is distinct from the situation in ERC-20 when operators are approved to transfer a user's balance. In that case, the user still retains custody of their funds and could transfer the balance anytime or revoke the contract's approval. When a smart contract has full custody over funds, it presents the possibility for new capabilities (and additional primitives), including: Retaining fees and disbursing incentives Facilitation of token swaps Market making of a bonding curve Collateralized loans Auctions Insurance funds

According to their filings with the Securities and Exchange Commission, most for-profit insurance companies maintain a medical loss ratio of about 80 percent, which is to say that 20 cents of every dollar people pay in premiums for health insurance doesn’t buy any health care.

private insurance and away from Medicare. The result would be “two-tier medicine,” a term that is as pejorative in Canada as “socialized medicine” is in the United States. Many fear that if Canada did move to two-tier medicine, the rich might get better care, with less waiting, than the poor. The rich getting better access to health care—that’s a fact of life that we take for granted in the United States. But in Canada, such a result would violate the powerful egalitarian impulse that is a crucial element of the national culture.

My brain is a l l o v e r the place. Grief will do that to you. Today I sat in my car in my own driveway for twenty minutes staring blankly at my glove compartment. My mind d r i f t e d   o f f. Grief will do that to you. I found myself wondering why we still call this thing a “glove compartment” when no one keeps driving gloves, or any gloves for that matter, in there anymore. As a society, we are always talking about progression. We are renaming TV stations and street names—but can’t rename this storage box within our cars. Don’t fix what ain’t broken, I guess. Something broke me, and I need to be fixed. Grief will do that to you. What else would we call it? Crumpled tissue holder. Registration and insurance safe. I question everything now, even things that don’t matter. Grief will do that to you.

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The third method of calling forth misplaced loyalty is the threat of humiliation. This is done by publicly shaming, exposing, or threatening to remove people from the group. Unquestionably, there is a place for appropriate church discipline (which we will discuss later). In the abusive system, it is the fear of being exposed, humiliated or removed that insures your proper allegiance, and insulates those in authority. You can be “exposed” for asking too many questions, for disobeying the unspoken rules, or for disagreeing with authority. People are made public examples in order to send a message to those who remain.

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As the open confession of my sins to a brother insures me against self-deception, so, too, the assurance of forgiveness becomes fully certain to me only when it is spoken by a brother in the name of God. Mutual, brotherly confession is given to us by God in order that we may be sure of divine forgiveness.” —LIFE TOGETHER

There was always a qualifying clause that made you ineligible for benefits. God would have done well in the insurance business.

Paul's off-the-cuff quip about disability insurance is really more than half wrong John Locher/Associated Press Sen. Rand Paul (R-Ky.) implied that many disability recipients could work but aren't. Statistics suggest that isn't likely. Glenn Kessler | 1041 words "What I tell people is, if you look like me and you hop out of your truck, you shouldn't be getting a disability check. Over half of the people on disability are either anxious or their back hurts - join the club. Who doesn't get a little anxious for work and their back hurts? Everybody over 40 has a back pain." - Sen. Rand Paul (R-Ky.), remarks in New Hampshire, Jan. 14, 2015

In Marx’s day, nobody ever thought of that technique of state intervention which is now called ‘counter cycle policy’; and, indeed, such a thought must be utterly foreign to an unrestrained capitalist system. (But even before Marx’s time, we find the beginning of doubts about, and even of investigations into, the wisdom of the credit policy of the Bank of England during a depression29.) Unemployment insurance, however, means intervention, and therefore an increase in the responsibility of the state, and it is likely to lead to experiments in counter cycle policy. I do not maintain that these experiments must necessarily be successful (although I do believe that the problem may in the end prove not so very difficult, and that Sweden30, in particular, has already shown what can be done in this field). But I wish to assert most emphatically that the belief that it is impossible to abolish unemployment by piecemeal measures is on the same plane of dogmatism as the numerous physical proofs (proffered by men who lived even later than Marx) that the problems of aviation would always remain insoluble. When the Marxists say, as they sometimes do, that Marx has proved the uselessness of a counter cycle policy and of similar piecemeal measures, then they simply do not speak the truth; Marx investigated an unrestrained capitalism, and he never dreamt of interventionism. He therefore never investigated the possibility of a systematic interference with the trade cycle, much less did he offer a proof of its impossibility. It is strange to find that the same people who complain of the irresponsibility of the capitalists in the face of human suffering are irresponsible enough to oppose, with dogmatic assertions of this kind, experiments from which we may learn how to relieve human suffering (how to become masters of our social environment, as Marx would have said), and how to control some of the unwanted social repercussions of our actions. But the apologists of Marxism are quite unaware of the fact that in the name of their own vested interests they are fighting against progress; they do not see that it is the danger of any movement like Marxism that it soon comes to represent all kinds of vested interests, and that there are intellectual investments, as well as material ones.

In Taliban-controlled portions of Pakistan, “Polio vaccinations have been declared haram by the ulema, and the government campaign has subsequently stalled.” Like car insurance, vaccinations are a form of presumption. Only with the expulsion of the Taliban from the Swat Valley in the late summer of 2009 was the Pakistani government able to resume vaccinations.

whether you are a mailman, a hairdresser, an insurance salesman, a housewife—whatever. As long as you feel you are serving others, you do the job well. When you are concerned only with helping yourself, you do it less well—a law as inexorable as gravity.

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