Risk Factors Quotes

I can explain myself: If you want to be safe, walk in the middle of the street. I’m not joking. You’ve been told to look both ways before crossing the street, and the sidewalk is your friend, right? Wrong. I’ve spent years walking sidewalks at night. I’ve looked around me when it was dark, when there were men following me, creeping out of alleyways, attempting to goad me into speaking to them and shouting obscenities at me when I wouldn’t, and I suddenly realised that the only place left to go was the middle of street. But why would I risk it? Because the odds are in my favour. In the States, someone is killed in a car accident on average every 12.5 minutes, while someone is raped on average every 2.5 minutes. Even when factoring in that, one, I am generously including ALL car-related accidents and not just those involving accidents, and two, that the vast majorities of rapes still go unreported […] And, thus, this is now the way I live my life: out in the open, in the middle of everything, because the middle of the street is actually the safest place to walk.

America is the greatest engine of innovation that has ever existed, and it can't be duplicated anytime soon, because it is the product of a multitude of factors: extreme freedom of thought, an emphasis on independent thinking, a steady immigration of new minds, a risk-taking culture with no stigma attached to trying and failing, a noncorrupt bureaucracy, and financial markets and a venture capital system that are unrivaled at taking new ideas and turning them into global products.

The art of a successful business lies in identifying and mitigating the risk. Not overlooking and avoiding the risk.

The three primary risk factors for falling are poor balance, taking more than four prescription medications, and muscle weakness.

When psychologists Catherine Caldwell-Harris and Ayse Ayçiçegi compared U.S. and Turkish samples, they found that having "an orientation inconsistent with societal values" is a risk factor for poor mental health. The findings support what the researchers call the personality-culture clash hypothesis: "Psychological adjustment depends on the degree of match between personality and the values of surrounding society." To the extent that introverts feel the need to explain, apologize, or feel guilty about what works best for them, they feel alienated not only from society but from themselves.

NOCEBO: Latin for "I will harm"; a negative placebo; physical manifestation of pessimism; self-fulfilling prophecy of disbelief. In the nocebo effect, a bad result occurs without any physiological bias. In one study, women who believed they were more prone to heart disease were four times more likely to die of it than women with the same risk factors but without a pessimistic outlook.

The official report was a collection of cold, hard data, an objective "after-action report" that would allow future generations to study the events of that apocalyptic decade without being influenced by the "human factor." But isn't the human factor what connects us so deeply to our past? Will future generations care as much for chronologies and casualty statistics as they would for the personal accounts of individuals not so different from themeslves? By excluding the human factor, aren't we risking the kind of personal detachment from a history that may, heaven forbid, lead us one day to repeat it?

70% of the world global deaths are attributable to modifial behavioural risk factors like smoking, physical inactivity and diet. The leading global risks for mortality are high blood pressure 13%, tobacco use 9%, high blood sugar 6%, physical inactivity 6% and obesity 5%. In 2013, an estimated 2.1 billion adults were overweight, compared with 857 million in 1980. There are now more people world-wide, except in sub-Saharan parts of Africa and Asia who are obese, than who are underweight.

Risk is the factor of a stratagem measured by what man is powerless to control.

Early traumatization is a major risk factor for more severe symptoms that persist over time. Thus childhood traumatization plays a central role in the development of trauma-related disorders in children and adults.

pessimism is a risk factor for depression in just the same sense as smoking is a risk factor for lung cancer or being a hostile, hard-driving man is a risk factor for heart attack.

But isn't the human factor what connects us so deeply to our past? Will future generations care as much for chronologies and casualty statistics as they would for personal accounts of individuals not so different from themselves? By excluding the human factor, aren't we risking the kinds of personal detachment from a history that may, heaven forbid, lead us one day to repeat it?

And that nice little balcony is yours? How cool it looks up there!” He paused a moment. “Come up and see,” he suggested. “I can give you a cup of tea in no time—and you won’t meet any bores.” Her colour deepened—she still had the art of blushing at the right time—but she took the suggestion as lightly as it was made. “Why not? It’s too tempting—I’ll take the risk,” she declared. “Oh, I’m not dangerous,” he said in the same key. In truth, he had never liked her as well as at that moment. He knew she had accepted without afterthought: he could never be a factor in her calculations, and there was a surprise, a refreshment almost, in the spontaneity of her consent.

As is the case for diabetes and cardiovascular disease, central obesity [belly fat] is also a risk factor for dementia.

Cancer researchers knew that X-rays, soot, cigarette smoke, and asbestos represented vastly more common risk factors for human cancers.

A failure to understand risk factors results in the inability to cultivate resilience.

Stress can be bad for you. We no longer die of smallpox or the plague and instead die of stress-related diseases of lifestyle, like heart disease or diabetes, where damage slowly accumulates over time. It is understood how stress can cause or worsen disease or make you more vulnerable to other risk factors. Much of this is even understood on the molecular level. Stress can even cause your immune system to abnormally target hair follicles, causing your hair to turn gray.

In 2001 the office of the surgeon general of the United States issued a report that found social rejection to be a greater risk factor for adolescent violence than gang membership, poverty, or drug use.

He repeated that the texting driver faces a sixfold crash risk, whereas a driver talking on the phone faced a four-times increase in likelihood of a crash, which he said was roughly equivalent to someone who is legally drunk. A drunk driver and a person on a phone were equally likely to crash, whereas “we’re seeing the risk factor for accidents when someone is texting exceeds the level when people are legally drunk.

In 1924, Nikola Tesla was asked why he never married? His answer was this: "I had always thought of woman as possessing those delicate qualities of mind and soul that made her in her respects far superior to man. I had put her on a lofty pedestal, figuratively speaking, and ranked her in certain important attributes considerably higher than man. I worshipped at the feet of the creature I had raised to this height, and, like every true worshiper, I felt myself unworthy of the object of my worship. But all this was in the past. Now the soft voiced gentle woman of my reverent worship has all but vanished. In her place has come the woman who thinks that her chief success in life lies on making herself as much as possible like man - in dress, voice, and actions, in sports and achievements of every kind. The world has experience many tragedies, but to my mind the greatest tragedy of all is the present economic condition wherein women strive against men, and in many cases actually succeed in usurping their places in the professions and in industry. This growing tendency of women to overshadow the masculine is a sign of a deteriorating civilization. Practically all the great achievements of man until now have been inspired by his love and devotion to woman. Man has aspired to great things because some woman believed in him, because he wished to command her admiration and respect. For these reasons he has fought for her and risked his life and his all for her time and time again. Perhaps the male in society is useless. I am frank to admit that I don't know. If women are beginning to feel this way about it - and there is striking evidence at hand that they do - then we are entering upon the cruelest period of the world's history. Our civilization will sink to a state like that which is found among the bees, ants, and other insects - a state wherein the male is ruthlessly killed off. In this matriarchal empire which will be established, the female rules. As the female predominates, the males are at her mercy. The male is considered important only as a factor in the general scheme of the continuity of life. The tendency of women to push aside man, supplanting the old spirit of cooperation with him in all the affairs of life, is very disappointing to me." Galveston Daily News, Galveston, Texas, page 23. August 10, 1924.

In spite of the fundamental importance of economic facts in determining politics and beliefs of an age or nation, I do not think that non-economic factors can be neglected without risks of error which may be fatal in practice.

These studies all came to the same startling conclusion: the low-carb diet was significantly better for weight loss than the low-fat diet. Even more stunning was that all the important risk factors for cardiovascular disease—including cholesterol, blood sugar level, and blood pressure—were also much improved on the low-carb diet.

Over a fourteen-year period, those sleeping six hours or less were 400 to 500 percent more likely to suffer one or more cardiac arrests than those sleeping more than six hours. I should note that in many of these studies, the relationship between short sleep and heart failure remains strong even after controlling for other known cardiac risk factors, such as smoking, physical activity, and body mass. A lack of sleep more than accomplishes its own, independent attack on the heart. As we approach

Studies have shown that most women require at least twenty minutes of sexual activity to climax, and there are myriad factors that can kibosh a lady's snap, crackle, and pop. Age, stress, atmosphere, smells, self-esteem. Frankly, it's a known flight risk.

We typically think of stress as being a risk factor for disease,” said Cole. “And it is, somewhat. But if you actually measure stress, using our best available instruments, it can’t hold a candle to social isolation. Social isolation is the best-established, most robust social or psychological risk factor for disease out there. Nothing can compete.

Any factor—from smoking to high cholesterol levels—that affects the blood flow system in the brain has a significant impact on its function and risk for decline.

physical inactivity has been calculated to be the most significant risk factor in cognitive decline and the development of dementia.

Now take a look at the cemetery. It is quite difficult to do so because people who fail do not seem to write memoirs, and, if they did, those business publishers I know would not even consider giving them the courtesy of a returned phone call (as to returned e-mail, fuhgedit). Readers would not pay $26.95 for a story of failure, even if you convinced them that it had more useful tricks than a story of success.* The entire notion of biography is grounded in the arbitrary ascription of a causal relation between specified traits and subsequent events. Now consider the cemetery. The graveyard of failed persons will be full of people who shared the following traits: courage, risk taking, optimism, et cetera. Just like the population of millionaires. There may be some differences in skills, but what truly separates the two is for the most part a single factor: luck. Plain luck.

What scientists haven’t realized until recently is that these risk factors have an upside. In other words, the sensitivities and the strengths are a package deal. High-reactive kids who enjoy good parenting, child care, and a stable home environment tend to have fewer emotional problems and more social skills than their lower-reactive peers, studies show. Often they’re exceedingly empathic, caring, and cooperative. They work well with others. They are kind, conscientious, and easily disturbed by cruelty, injustice, and irresponsibility. They’re successful at the things that matter to them.

A sex worker who is living precariously or in poverty, who is at risk of criminalization or police violence, or who is being exploited by a manager or lacks negotiating power is not likely to be particularly 'sex positive' at work. These factors are structural, not a function of the worker's state of enlightenment.

The human brain works by identifying patterns. It uses information from the past to understand what is happening in the present and to anticipate the future. This strategy works elegantly in most situations. But we inevitably see patterns where they don’t exist. In other words, we are slow to recognize exceptions. There is also the peer-pressure factor. All of us have been in situations that looked ominous, and they almost always turn out to be innocuous. If we behave otherwise, we risk social embarrassment by overreacting. So we err on the side of underreacting.

Elevated Lp(a) is a very serious risk factor. A very high percentage of heart attacks happen to people with high Lp(a) levels. Dr. Sinatra thinks Lp(a) is one of the most devastating risk factors for heart disease and one of the hardest to

The guys and I were waiting around our patrol cars when a fireman walked toward us. He removed his helmet. “What’s up, hose dragger?” Jones asked. “Your momma’s risk factor for STDs,” the fire captain replied as he stopped in front of Essex.

Some people do not want to examine religious influences of child maltreatment. However, if we fail to look at all influences and risk factors, then we are allowing some forms of abuse to continue and, therefore, are guilty of maltreatment ourselves.

Part of our primate heritage is that most of us want to feel that we fit in somewhere and are part of a group. Which group we're part of may matter less to some of us than others, as long as we're part of a group and not left entirely on our own. Although there are individual differences, being alone for too long causes neuro-chemical changes that can result in hallucinations, depression, suicidal thoughts, violent behaviors, and even psychosis. Social isolation is also a risk factor for cardiac arrest and death, even more so than smoking.

The accelerating pace of zoonotic transmission of novel viruses into humans is attributable to anthropogenic epidemiologic factors. Only behavior modification or medical management of this future health burden will minimize the risks of future zoonoses for human populations.

Why mental models? There is no system that can prepare us for all risks. Factors of chance introduce a level of complexity that is not entirely predictable. But being able to draw on a repertoire of mental models can help us minimize risk by understanding the forces that are at play. Likely consequences don’t have to be a mystery.

But isn’t the human factor what connects us so deeply to our past? Will future generations care as much for chronologies and casualty statistics as they would for the personal accounts of individuals not so different from themselves? By excluding the human factor, aren’t we risking the kind of personal detachment from a history that may, heaven forbid, lead us one day to repeat it? And in the end, isn’t the human factor the only true difference between us and the enemy we now refer to as “the living dead”?

When interest rates rise, bond prices fall. When interest rates fall, bond prices rise. In either case, if you hold a bond to the end of its term you will, barring default, get exactly what you paid for it. Stage 6 As you’ve likely guessed, the length of the term of a bond is our third risk factor and it also helps determine the interest rate paid.

These visceral (belly) fat cells behave differently than fat elsewhere in the body in two important ways.25 First, they are several times more sensitive to hormones and thus tend to be more metabolically active, which means they are capable of storing and releasing fat more rapidly than fat cells in other parts of the body. Second, when visceral cells release fatty acids (something fat cells do all the time), they dump the molecules almost straight into the liver, where the fat accumulates and eventually impairs the liver’s ability to regulate the release of glucose into the blood. An excess of belly fat (a paunch) is therefore a much greater risk factor for metabolic disease than a high BMI.

I began this process without preconceptions of how the information would shake out. Five consistent types of behavioral risk emerged: Ego, Emotion, Information, Attention, and Conservation. The number of bad decisions we can make is limitless (have you seen reality TV?), but all behavioral risk has one or more of these five risk factors at its core.

while I have been a key factor in certain clusterfucks of gigantic proportions and my risk assessment module has serious issues, my threat assessment record is pretty great,

Add the sounds of silence to the list of emotional risks to health—and close emotional ties to the list of protective factors. Studies done over two decades involving more than thirty-seven thousand people show that social isolation—the sense that you have nobody with whom you can share your private feelings or have close contact—doubles the chances of sickness or death.37

We don’t usually think about dementia when we’re entering our prime, but we should, because it provides a remarkable opportunity. Data from longitudinal observational studies accumulated over the past few decades have shown that aside from age, most other risk factors for brain disease can be controlled. That means you indeed have a powerful voice in controlling your risk for decline.

iron inhibits the absorption of important growth factors such as zinc. Furthermore, iron is an oxidative substance that can exacerbate the production of free radicals and might even increase the risk of pre-eclampsia.9

But even if men wanted to read the truth about their condition, women would still be the decisive factor. Though both men and women read, women are in addition the big consumers. Since women do most of the buying, most advertising campaigns are aimed directly or indirectly at them. Since most Western papers are financed largely through advertising, they cannot risk displeasing women by their editorial content; the day on which they do so, they would hear from their advertisers in no uncertain terms. Men would not stand a chance, even if they wanted to publish independent opinions about women, of being published in any medium addressing both sexes, as the great majority do. The same is true of television, financed as it is in most Western countries by advertisers, promoters, publicity aimed at consumers. Here too the editorial content must pass female censorship. It is not pre-censored, of course, but subject to a censorship which functions on the principle that the producer is done for if the product does not sell. The producer is therefore motivated to avoid catastrophe by censoring himself.

According to Jay Belsky, a leading proponent of this view and a psychology professor and child care expert at the University of London, the reactivity of these kids’ nervous systems makes them quickly overwhelmed by childhood adversity, but also able to benefit from a nurturing environment more than other children do. In other words, orchid children are more strongly affected by all experience, both positive and negative. Scientists have known for a while that high-reactive temperaments come with risk factors. These kids are especially vulnerable to challenges like marital tension, a parent’s death, or abuse. They’re more likely than their peers to react to these events with depression, anxiety, and shyness. Indeed, about a quarter of Kagan’s high-reactive kids suffer from some degree of the condition known as “social anxiety disorder,” a chronic and disabling form of shyness.

Social support helps to ameliorate physiological stress. The close links between health and the social environment have been amply demonstrated. In the Alameda County study, those more socially isolated were more susceptible to illness of many types. In three separate studies of aging people, five-year mortality risks were associated directly with social integration: the more socially connected a person was, the lower their risk of death. “Social ties and support,” a group of researchers concluded, “… remain powerful predictors of morbidity and mortality in their own right, independent of any associations with other risk factors." For the adult, therefore, biological stress regulation depends on a delicate balance between social and relationship security on the one hand, and genuine autonomy on the other. Whatever upsets that balance, whether or not the individual is consciouslyaware of it, is a source of stress.

Niacin also reduces lipoprotein(a), or Lp(a). Lipoprotein(a) is basically a special kind of LDL, and it’s a really bad one. This, folks, is the real cholesterol story! Lp(a) is an independent risk factor for heart disease and for heart attacks, yet it doesn’t get as much attention as cholesterol does because there aren’t effective drug treatments for lowering it, and no one really knows what to do about it. Niacin lowers Lp(a) levels by a remarkable 10 to 30 percent.

Risk, as first articulated by the economist Frank H. Knight in 1921,45 is something that you can put a price on. Say that you’ll win a poker hand unless your opponent draws to an inside straight: the chances of that happening are exactly 1 chance in 11.46 This is risk. It is not pleasant when you take a “bad beat” in poker, but at least you know the odds of it and can account for it ahead of time. In the long run, you’ll make a profit from your opponents making desperate draws with insufficient odds. Uncertainty, on the other hand, is risk that is hard to measure. You might have some vague awareness of the demons lurking out there. You might even be acutely concerned about them. But you have no real idea how many of them there are or when they might strike. Your back-of-the-envelope estimate might be off by a factor of 100 or by a factor of 1,000; there is no good way to know. This is uncertainty. Risk greases the wheels of a free-market economy; uncertainty grinds them to a halt.

Red meat isn’t a chemical. What is it about the red meat? The meat? The red? To be fair to the authors, they also studied white meat which was mostly beneficial. But what about potatoes? Cupcakes? Breakfast cereal? Are these completely neutral? If we ran these through the same computer, what would we see? Unspoken, in everybody’s mind is saturated fat, that Rasputin of nutritional risk factors who will come after you despite enough bullets in its body to have killed several scientific theories.

According to estimates presented by scientists from across the globe at the American Association for the Advancement of Science in 2016, of the fifty-five lakh deaths caused by air pollution in 2013, over half were in India and China. India alone accounted for fourteen lakh of those deaths. Air pollution, scientists say, is the fourth-highest risk factor for death globally, after high blood pressure, poor diet and cigarettes. We can only hope that the dying poor of the tribal regions are at least counted in these statistics.

Negative body image in adolescent girls is of growing concern in the modern society. As girls go through puberty, their bodies gain adipose and move farther away from the thin childish appearance. You simply need to take a look at a fashion magazine to see how the fake ideal feminine body represented in it is often asexual and childlike. Such a medium influences the girls and causes them to become dissatisfied with their natural appearance. And this leads to depression. Importantly, depression is a significant risk factor for substance abuse and suicide attempts.

Throughout history, the life of a businessperson always involves some risk; the higher the risk, the greater the reward. On the other hand, the life of an employee in any workforce involves minimal to no risk at all, resulting in a lifetime full of steadiness with little to no accomplishments during this lifetime. However, there is a crucial factor which can also be considered as a trait or characteristic that made many remarkable men and women throughout history reach high levels of their career paths, which is considered to be “success” in our modern world: Audacity.

no matter how you look at the issue, prevention is a fundamentally preferable and more cost-effective way to promote health and longevity. Most people agree that we invest insufficiently in prevention, but they would also surmise that it is difficult to get young, healthy people to avoid behaviors that increase their risk of future illness. Consider smoking, which causes more preventable deaths than any major risk factor (the other big ones being physical inactivity, poor diet, and alcohol abuse). After prolonged legal battles, public health efforts to discourage smoking have managed to halve the percentage of Americans who smoke since the 1950s.19 Yet 20 percent of Americans still smoke, causing 443,000 premature deaths in 2011 at a direct cost of $96 billion per year. Likewise, most Americans know they should be physically active and eat a healthy diet, yet only 20 percent of Americans meet the government’s recommendations for physical activity, and fewer than 20 percent meet government dietary guidelines.20 There are many, diverse reasons we are bad at persuading, nudging, or otherwise encouraging people to use their bodies more as they evolved to be used (more on this later), but one contributing factor could be that we are still following in the footsteps of the marquis de Condorcet, waiting for the next promised breakthrough. Scared of death and hopeful about science, we spend billions of dollars trying to figure out how to regrow diseased organs, hunting for new drugs, and designing artifical body parts to replace the ones we wear out. I am in no way suggesting that we cease investing in these and other areas. Quite the contrary: let’s spend more! But let’s not do so in a way that promotes the pernicious feedback loop of just treating mismatch diseases rather than preventing them. In practical

As education and creativity researcher and author Sir Ken Robinson puts it, “We are educating people out of their creativity.” Another major factor is that, for years, organizational management has been developing methods for increasing productivity and minimizing risk and errors that tend to stifle creative experimentation.

Those involved in mental as opposed to physical effort or who carry the responsibilities of management are presumed to require a higher payment for their submission to the purposes of organization than those who render only physical or manual service, however adept or talented that may be. This is because there is profound difference in the nature and extent of the submission that is made. The person on the shop floor or its equivalent gives more or less diligent and deft physical effort for a specified number of hours a day. Beyond that nothing in principle--not thought, certainly not conformity of speech or behavior--is expected. Of the high corporate executive a more complete submission to the purposes of the organization is usually required. He (or she) must speak and also think well of the aims of the enterprise; he may never in public and not wisely in private raise doubt as to the depth and sincerity of his own commitment. Many factors determine his large, often very large, compensation, including the need to pay for the years of preparation, for the considerable intelligence that is requires, for the responsibility that is carried, and for the alleged risks of high position. As a practical matter, his rate of pay is also influenced by the significant and highly convenient role the executive plays in establishing it; much that accrues to the senior corporate executive is in response to his own inspired generosity. But there is also payment for the comprehensive submission of his individual personality to that of the corporation. It is no slight thing to give up one's self and self-expression to the collective personality of one's employer.

The low rate of infant mortality is a product of data manipulation. At seventy-two abortions per one hundred births, Cuba has one of the highest abortion rates in the world, and Cuban doctors routinely force women to abort high-risk pregnancies so that Cuba’s bureaucrats can brag about their health statistics. If you correct the data to account for these factors, Cuba’s health statistics look a lot less impressive.5

Most observers had overlooked the radical change in the relationship between the USSR and the world that took place in the 1960s and 1970s. At that time, the Soviet economy, formally still closed, had in fact become deeply integrated into the system of international trade and dependent on world markets (see table 4-19). This change, as a rule, was noticed only by researchers concerned with grain and oil markets. The majority of analysts studying the socialist system considered its foundation to be solid.99 Some publications spoke of risk factors that could undermine the stability of the Soviet regime. But they were exceptions, and their influence on the future image of the USSR was limited.100 In 1985 almost no one imagined that six years later there would be no Soviet Union, no ruling Communist Party, no Soviet economic system.

What scientists haven’t realized until recently is that these risk factors have an upside. In other words, the sensitivities and the strengths are a package deal. High-reactive kids who enjoy good parenting, child care, and a stable home environment tend to have fewer emotional problems and more social skills than their lower-reactive peers, studies show. Often they’re exceedingly empathic, caring, and cooperative. They work well with others. They are kind, conscientious, and easily disturbed by cruelty, injustice, and irresponsibility. They’re successful at the things that matter to them. They don’t necessarily turn into class presidents or stars of the school play, Belsky told me, though this can happen, too: “For some it’s becoming the leader of their class. For others it takes the form of doing well academically or being well-liked.

Many women, worried about breast cancer, have adopted vegetarian diets in an attempt to reduce their risk. Unfortunately, it may be that these grain- and starch-based diets actually increase the risk of breast cancer, because they elevate insulin—which, in turn, increases IGF-1 and lowers IGFBP-3. A large epidemiological study of Italian women, led by Dr. Silvia Franceschi, has shown that eating large amounts of pasta and refined bread raises the risk of developing both breast and colorectal cancer. Most vegetarian diets are based on starchy grains and legumes. Sadly—despite continuing perceptions of these as healthy foods—vegetarian diets don’t reduce the risk of cancer. In the largest-ever study comparing the causes of death in more than 76,000 people, it was decisively shown that there were no differences in death rates from breast, prostate, colorectal, stomach, or lung cancer between vegetarians and meat eaters. Cancer is a complex process involving many genetic and environmental factors. It is almost certain that no single dietary element is responsible for all cancers. However, with the low-glycemic Paleo Diet, which is also high in lean protein and health-promoting fruits and vegetables, your risk of developing many types of cancer may be very much reduced.

But we’re already uncomfortable,” Dwight retorted. “And we are at risk! Don’t you realize where we are? We’re in the fucking jungle. We already had malaria. What’s next? Snakebite? Typhus? When do we factor us into the equation for what we do?” He had brought up their unspoken worries and a series of morally ugly questions. Whom do you save? Can you save both? Or do you save only yourself? Do you do nothing and risk nothing, or die from whatever happens to come along as you sit on a log waiting for whatever comes? They agitated over the questions in private thought, wishing to forget morals and just be out of this place. Who else had discarded morals and saved themselves? Could they live with themselves later? If they put away the concerns of the Lajamee, how soon would they push aside one another’s welfare? At what point do people resort to “every man for himself”?

At a higher level of abstraction, the behavioral correlates of life history strategies can be framed within the five-factor model of personality. Among the Big Five, agreeableness and conscientiousness show the most consistent pattern of associations with slow traits such as restricted sociosexuality, long-term mating orientation, couple stability, secure attachment to parents in infancy and romantic partners in adulthood, reduced sex drive, low impulsivity, and risk aversion across domains. Conscientiousness and (to a smaller extent) agreeableness are also the most reliable personality predictors of physical health and longevity; the contribution of neuroticism is mixed and may depend on the specific facets considered. The life history correlates of neuroticism are much less straightforward; for example, high neuroticism tends to predict increased short-term mating in women but reduced short-term mating in men, with much cross-cultural variation. There is also evidence that slow life history–related traits can be associated with social anxiety and insecurity, which is consistent with a general profile of risk aversion and behavioral inhibition. As a first approximation, then, metatrait alpha can be treated as a broadband correlate of slow strategies, with the caveat that neuroticism may be elevated at both ends of the continuum.

Niacin. This supplement, also called vitamin B3, has earned a reputation as a natural cholesterol-lowering agent that often rivals prescription drugs in mild to moderate cases. Unlike most prescription cholesterol-lowering medications, which simply lower levels of LDL cholesterol and the bad fats found in triglycerides, niacin also raises levels of HDL cholesterol. As a result, this vitamin may prove more potent than conventional medicines in ultimately reducing the risk of a heart attack.

At the first trans health conference I ever attended, a parent asked about long-term health risks for people taking hormones. The doctor gave a full assessment of issues that trans men face; many of them mimic the risks that would be inherited from father to son if they'd been born male, now that testosterone is a factor. "What about trans women?" another parent asked. The doctor took a deep breath. "Those outcomes are murkier. Because trans women are so discriminated against, they're at far greater risk for issues like alcoholism, poverty, homelessness, and lack of access to good healthcare. All of these issues impact their overall health so much that it's hard to gather data on what their health outcomes would be if these issues weren't present." This was stunning-a group of people is treated so badly by our culture that we can't clearly study their health. The burden of this abuse is that substantial and pervasive. Your generation will be healthier. The signs are already there.

Weight stigma can contribute to health problems in a number of ways. Perhaps the most obvious one is that it’s stressful to be stigmatized for your size, and stress takes a physical toll on your body. The scientific term for this toll is allostatic load, meaning the cumulative effect of chronic stressors on multiple systems in the body: the cardiovascular system, the sympathetic and parasympathetic nervous systems, and metabolism. Because it looks at the entire body rather than isolated parts, allostatic load has been shown to be a more robust predictor of chronic-disease risk than other markers. And the research is clear that weight stigma has seriously detrimental whole-body effects. One study that followed close to 1,000 participants for ten years found that those who reported experiencing significant weight stigma over that period were twice as likely to have a high allostatic load as those who didn’t—regardless of actual BMI.5 In other words, weight stigma is an independent risk factor for physiological stress.

Healthy and nutritious foods are less likely to be available in predominantly black neighbor's, while candy bars, and alcohol, and low-cost fast food are more likely to be in abundance. Consistently studies have shown that these factors are related to race, independent of income. All of this puts Black communities at higher risk of developing more severe COVID 19. So do more densely packed neighborhoods with less green space, more poorly ventilated living arrangements, and more frequent use of public transportation.

I don’t want to feel like this anymore.” Her eyes filled with tears, and I pulled her into my arms, resting my chin on her head as she cried into my chest. “I know you don’t.” “I want to be happy and to have a heart that’s worth risking. I miss my friends. I miss him, but then there’s you, and I want to be ready for whatever this is, and it all just jumbles in my head.” Her sob shook her shoulders. “I’ll wait for as long as you need me to,” I promised her again. “You don’t have to factor me in to your healing. I’m not going anywhere.

It's no time to be half watching, turning around, or checking the stove - because when the book thief stole her second book, not only were there many factors involved in her hunger to do so, but the act of stealing it triggered the crux of what was to come. It would provide her with a venue for continued book thievery. It would inspire Hans Hubermann to come up with a plan to help the Jewish fist fighter. And it would show me, once again, that one opportunity leads directly to another, just as risk leads to more risk, life to more life, and death to more death.

Capital is never quiet: it is always risk-oriented and entrepreneurial, at least at its inception, yet it always tends to transform itself into rents as it accumulates in large enough amounts—that is its vocation, its logical destination. What, then, gives us the vague sense that social inequality today is very different from social inequality in the age of Balzac and Austen? Is this just empty talk with no purchase on reality, or can we identify objective factors to explain why some people think that modern capital has become more “dynamic” and less “rent-seeking?

The anthropologist Peggy Reeves Sanday looked at data from over a hundred cultures as to the prevalence of rape, and divided them into high- or low-rape cultures. She found that high-rape cultures are highly militarized and sex-segregated. There is a lot of difference in status between men and women. The care of children is devalued and delegated to subordinate females. She also found that the creation myths of high-rape cultures recognize only a male deity rather than a female deity or a couple. When you think about it, that is rather bizarre. It would be an understandable mistake to think women make babies all by themselves, but it’s preposterous to think men do that alone. So you’ve got to have a fairly elaborate and counterintuitive mythmaking machine in order to fabricate a creation myth that recognizes only a male deity. There was another interesting finding, which is that high-rape cultures had recent experiences—meaning in the last few hundred years—of famine or migration. That is to say, they had not reached a stable adaptation to their ecological niche. Sadly enough, when you tally these risk factors, you realize you’ve pretty much described our culture.

One of the many aspects of Bureau life that preserves reliance on the FBI code is the Bureau’s reluctance to assign agents back to their hometowns. It is still a rare event for anyone to be transferred back home right out of the academy. I tried for twenty-five years to get back to Connecticut, but it never happened. This isn’t about keeping an agent off-balance. It’s about mitigating the risk that an agent might be more influenced by external factors than by the Bureau’s internal code. So of course, the Bureau took this Connecticut Yankee and sent me to Atlanta, Georgia, right after training.

HUNGER AND OBESITY The change in diets around the world is also creating a global obesity epidemic—and in its wake a global diabetes epidemic—even as more than 900 million people in the world still suffer from chronic hunger. In the United States, where many global trends begin, the weight of the average American has increased by approximately twenty pounds in the last forty years. A recent study projects that half the adult population of the United States will be obese by 2030, with one quarter of them “severely obese.” At a time when hunger and malnutrition are continuing at still grossly unacceptable levels in poor countries around the world (and in some pockets within developed countries), few have missed the irony that simultaneously obesity is at record levels in developed countries and growing in many developing countries. How could this be? Well, first of all, it is encouraging to note that the world community has been slowly but steadily decreasing the number of people suffering from chronic hunger. Secondly, on a global basis, obesity has more than doubled in the last thirty years. According to the World Health Organization, almost 1.5 billion adults above the age of twenty are overweight, and more than a third of them are classified as obese. Two thirds of the world’s population now live in countries where more people die from conditions related to being obese and overweight than from conditions related to being underweight. Obesity represents a major risk factor for the world’s leading cause of death—cardiovascular diseases, principally heart disease and stroke—and is the major risk factor for diabetes, which has now become the first global pandemic involving a noncommunicable disease.* Adults with diabetes are two to four times more likely to suffer heart disease or a stroke, and approximately two thirds of those suffering from diabetes die from either stroke or heart disease.† The tragic increase in obesity among children is particularly troubling; almost 17 percent of U.S. children are obese today, as are almost 7 percent of all children in the world. One respected study indicates that 77 percent of obese children will suffer from obesity as adults. If there is any good news in the latest statistics, it is that the prevalence of obesity in the U.S. appears to be reaching a plateau, though the increases in childhood obesity ensure that the epidemic will continue to grow in the future, both in the U.S. and globally. The causes of this surge in obesity are both simple—in that people are eating too much and exercising

Individual fat-storage capacity seems to be influenced by genetic factors. This is a generalization, but people of Asian descent (for example), tend to have much lower capacity to store fat, on average, than Caucasians. There are other factors at play here as well, but this explains in part why some people can be obese but metabolically healthy, while others can appear “skinny” while still walking around with three or more markers of metabolic syndrome. It’s these people who are most at risk, according to research by Mitch Lazar at the University of Pennsylvania, because a “thin” person may simply have a much lower capacity to safely store fat.

Scientists have known for a while that high-reactive temperaments come with risk factors. These kids are especially vulnerable to challenges like marital tension, a parent’s death, or abuse. They’re more likely than their peers to react to these events with depression, anxiety, and shyness. Indeed, about a quarter of Kagan’s high-reactive kids suffer from some degree of the condition known as “social anxiety disorder,” a chronic and disabling form of shyness. What scientists haven’t realized until recently is that these risk factors have an upside. In other words, the sensitivities and the strengths are a package deal. High-reactive kids who enjoy good parenting, child care, and a stable home environment tend to have fewer emotional problems and more social skills than their lower-reactive peers, studies show. Often they’re exceedingly empathic, caring, and cooperative. They work well with others. They are kind, conscientious, and easily disturbed by cruelty, injustice, and irresponsibility. They’re successful at the things that matter to them. They don’t necessarily turn into class presidents or stars of the school play, Belsky told me, though this can happen, too: “For some it’s becoming the leader of their class. For others it takes the form of doing well academically or being well-liked.

Yet there are problems with speeding up whole-grain bread, and they begin with the flour. Many if not most of the new whole-grain white breads on the market are made with a new variety of hard white wheat developed by ConAgra. This is why the bread doesn’t look like whole wheat: the specks of bran are white, or whitish. They are also microscopic: The wheat is milled by ConAgra using a patented process called Ultrafine that attains a degree of fineness never before achieved in a whole-grain flour. This resulting flour, called Ultragrain, makes for a softer, whiter whole-grain bread, but at a price. It is metabolized almost as fast as white flour, obviating one of the most important health advantages of whole grains: that our bodies absorb and metabolize them slowly, and so avoid the insulin spikes that typically accompany refined carbohydrates. A common measure of the speed by which a food raises glucose levels in the blood (and therefore insulin, an important risk factor for many chronic diseases) is the glycemic index. The glycemic index of a whole-grain Wonder Bread (around 71) is essentially the same as that of Classic Wonderbread (73). (By comparison, the glycemic index of whole-grain bread made with stone-ground flour is only 52.) So perhaps we really have gotten too smart for our own good. Using

While it is certainly true that bullies typically pick on children they perceive as weak, it is also true that there is a wide selection of weak children to choose from, so what is it about children with autism that tends to attract their wrath? One key factor is that children with autism tend not to roam in packs! For example, a child with autism may be able to tolerate the stress and required masking of the classroom for a few hours but might need the respite of recess to take a break and be away from other people for a bit. This alone time exposes them to greater risk. But is there anything about the behavior of the child with autism that attracts bullying?

In the 21st century, infant and child mortality is lower, education takes longer, and people live longer and healthier lives. In this environment, the risk of death is lower, but the danger of falling behind economically is higher in an age of income inequality, so parents choose to have fewer children and nurture them more extensively. As an academic paper put it, “When competition for resources is high in stable environments, selection favors greater parental investment and a reduced number of offspring.” This is a good description of the U.S. in the 21st century: It is a stable (low-death-rate) environment, but also one with considerable competition for resources due to income inequality and other factors.

Plant foods have several advantages, including easy digestibility and bioavailability (the rate at which the food is absorbed by the body and exerts an effect). Fatigue, bloating, cramping, and an upset stomach can often be attributed to poor digestion. Many whole plant foods have enzymes that facilitate quick and efficient digestion. The quicker nutrients are extracted from the food, the sooner the food can be eliminated—a key factor in optimal health. As well, insoluble fibrous plant matter (discussed in Chapter 5) speeds waste through our system, reducing the risk of toxins settling in the colon and then spreading throughout the body. Enzyme-rich foods help ensure the body makes use of the nutrients in the food.

Anthropologists like Kohrt, Hoffman, and Abramowitz have identified three factors that seem to crucially affect a combatant's transition back into civilian life. The United States seems to rank low on all three. First, cohesive and egalitarian tribal societies do a very good job at mitigating effects of trauma, but by their very nature, many modern societies are exactly the opposite: hierarchical and alienating. America's great wealth, although a blessing in many ways, has allowed for the growth of an individualistic society that suffers high rates of depression and anxiety. Both are correlated with chronic PTSD. Secondly, ex-combatants shouldn't be seen -or be encouraged to see themselves - as victims... Lifelong disability payments for a disorder like PTSD, which is both treatable and usually not chronic, risks turning veterans into a victim class that is entirely dependent on the government for their livelihood... Perhaps most important, veterans need to feel that they're just as necessary and productive back in society as they were on the battlefield... Recent studies of something called 'social resilience' have identified resource sharing and egalitarian wealth distribution as major components of a society's ability to recover from hardship. And societies that rank high on social resilience...provide soldiers with a significantly stronger buffer against PTSD than low-resilience societies. In fact, social resilience is an even better predictor of trauma recovery than the level of resilience of the person himself.

We blame the sun for skin cancer, but it’s not that simple. If it were, our years of slathering sunscreen and avoiding the sun would have resulted in a decrease in skin cancer diagnoses. But since sun protection factor (SPF) sunscreens received FDA approval in the 1970s, the incidence of melanoma in children has risen nearly 3 percent per year—throughout the 1970s and 1980s, the incidence of melanoma in the United States increased faster than that of any other cancer. Since the 1960s, rates of skin cancer in lighter-skinned populations—those at highest risk for skin cancer—have continued to increase by between 5 and 8 percent every single year. First-time melanoma diagnoses overall have tripled over the past thirty-five years, and just between 2000 and 2013 there was a nearly 2 percent increase each year.

Since our civilization is irreversibly dependent on electronics, abolition of EMR is out of the question. However, as a first step toward averting disaster, we must halt the introduction of new sources of electromagnetic energy while we investigate the biohazards of those we already have with a completeness and honesty that have so far been in short supply. New sources must be allowed only after their risks have been evaluated on the basis of the knowledge acquired in such a moratorium. 
With an adequately funded research program, the moratorium need last no more than five years, and the ensuing changes could almost certainly be performed without major economic trauma. It seems possible that a different power frequency—say 400 hertz instead of 60—might prove much safer. Burying power lines and providing them with grounded shields would reduce the electric fields around them, and magnetic shielding is also feasible. 
A major part of the safety changes would consist of energy-efficiency reforms that would benefit the economy in the long run. These new directions would have been taken years ago but for the opposition of power companies concerned with their short-term profits, and a government unwilling to challenge them. It is possible to redesign many appliances and communications devices so they use far less energy. The entire power supply could be decentralized by feeding electricity from renewable sources (wind, flowing water, sunlight, georhermal and ocean thermal energy conversion, and so forth) into local distribution nets. This would greatly decrease hazards by reducing the voltages and amperages required. Ultimately, most EMR hazards could be eliminated by the development of efficient photoelectric converters to be used as the primary power source at each point of consumption. The changeover would even pay for itself, as the loss factors of long-distance power transmission—not to mention the astronomical costs of building and decommissioning short-lived nuclear power plants—were eliminated. Safety need not imply giving up our beneficial machines. 
Obviously, given the present technomilitary control of society in most parts of the world, such sane efficiency will be immensely difficult to achieve. Nevertheless, we must try. Electromagnetic energy presents us with the same imperative as nuclear energy: Our survival depends on the ability of upright scientists and other people of goodwill to break the military-industrial death grip on our policy-making institutions.

The Company We Keep So now we have seen that our cells are in relationship with our thoughts, feelings, and each other. How do they factor into our relationships with others? Listening and communicating clearly play an important part in healthy relationships. Can relationships play an essential role in our own health? More than fifty years ago there was a seminal finding when the social and health habits of more than 4,500 men and women were followed for a period of ten years. This epidemiological study led researchers to a groundbreaking discovery: people who had few or no social contacts died earlier than those who lived richer social lives. Social connections, we learned, had a profound influence on physical health.9 Further evidence for this fascinating finding came from the town of Roseto, Pennsylvania. Epidemiologists were interested in Roseto because of its extremely low rate of coronary artery disease and death caused by heart disease compared to the rest of the United States. What were the town’s residents doing differently that protected them from the number one killer in the United States? On close examination, it seemed to defy common sense: health nuts, these townspeople were not. They didn’t get much exercise, many were overweight, they smoked, and they relished high-fat diets. They had all the risk factors for heart disease. Their health secret, effective despite questionable lifestyle choices, turned out to be strong communal, cultural, and familial ties. A few years later, as the younger generation started leaving town, they faced a rude awakening. Even when they had improved their health behaviors—stopped smoking, started exercising, changed their diets—their rate of heart disease rose dramatically. Why? Because they had lost the extraordinarily close connection they enjoyed with neighbors and family.10 From studies such as these, we learn that social isolation is almost as great a precursor of heart disease as elevated cholesterol or smoking. People connection is as important as cellular connections. Since the initial large population studies, scientists in the field of psychoneuroimmunology have demonstrated that having a support system helps in recovery from illness, prevention of viral infections, and maintaining healthier hearts.11 For example, in the 1990s researchers began laboratory studies with healthy volunteers to uncover biological links to social and psychological behavior. Infected experimentally with cold viruses, volunteers were kept in isolation and monitored for symptoms and evidence of infection. All showed immunological evidence of a viral infection, yet only some developed symptoms of a cold. Guess which ones got sick: those who reported the most stress and the fewest social interactions in their “real life” outside the lab setting.12 We Share the Single Cell’s Fate Community is part of our healing network, all the way down to the level of our cells. A single cell left alone in a petri dish will not survive. In fact, cells actually program themselves to die if they are isolated! Neurons in the developing brain that fail to connect to other cells also program themselves to die—more evidence of the life-saving need for connection; no cell thrives alone. What we see in the microcosm is reflected in the larger organism: just as our cells need to stay connected to stay alive, we, too, need regular contact with family, friends, and community. Personal relationships nourish our cells,

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As with previous “drug crises,” the opioid problem is not really about opioids. It’s mainly about cultural, social, and environmental factors such as racism, draconian drug laws, and diverting attention away from the real causes of crime and suffering. As you’ll discover throughout this book, there’s nothing terribly unique about the pharmacology of opioids that makes these drugs particularly dangerous or addictive. People have safely consumed them for centuries. And, trust me, people will continue to do so, long after the media’s faddish focus has faded, because these chemicals work. Fatal overdose is a real risk, but the odds of this occurring have been overstated. It is certainly possible to die after taking too much of a single opioid drug, but such deaths account for only about a quarter of the thousands of opioid-related deaths. Contaminated opioid drugs and opioids combined with another downer (e.g., alcohol or a nerve-pain medication) cause many of these deaths.

We have found that the sexual life of man, unlike that of most of the animals nearly related to him, does not make a steady advance from birth to maturity, but that, after an early efflorescence up till the fifth year, it undergoes a very decided interruption; and that it then starts on its course once more at puberty, taking up again the beginnings broken off in early childhood. This has led us to suppose that something momentous must have occurred in the vicissitudes of the human species which has left behind this interruption in the sexual development of the individual as a historical precipitate. This factor owes its pathogenic significance to the fact that the majority of the instinctual demands of this infantile sexuality are treated by the ego as dangers and fended off as such, so that the later sexual impulses of puberty, which in the natural course of things would be ego-syntonic, run the risk of succumbing to the attraction of their infantile prototypes and following them into repression.

Our failure to keep our children attached to us and to the other adults responsible for them has not only taken away their shields but put a sword in the hands of their peers. When peers replace parents, children lose their vital protection against the thoughtlessness of others. The vulnerability of a child in such circumstances can easily be overwhelmed. The resulting pain is more than many children can bear. Studies have been unequivocal in their findings that the best protection for a child, even through adolescence, is a strong attachment with an adult. The most impressive of these studies involved ninety thousand adolescents from eighty different communities chosen to make the sample as representative of the United States as possible. The primary finding was that teenagers with strong emotional ties to their parents were much less likely to exhibit drug and alcohol problems, attempt suicide, or engage in violent behavior and early sexual activity. Such adolescents, in other words, were at greatly reduced risk for the problems that stem from being defended against vulnerability. Shielding them from stress and protecting their emotional health and functioning were strong attachments with their parents. This was also the conclusion of the noted American psychologist Julius Segal, a brilliant pioneer of research into what makes young people resilient. Summarizing studies from around the world, he concluded that the most important factor keeping children from being overwhelmed by stress was “the presence in their lives of a charismatic adult — a person with whom they identify and from whom they gather strength.” As Dr. Segal has also said, “Nothing will work in the absence of an indestructible link of caring between parent and child.” Peers should never have come to matter that much — certainly not more than parents or teachers or other adult attachment figures. Taunts and rejection by peers sting, of course, but they shouldn't cut to the quick, should not be so devastating. The profound dejection of an excluded child reveals a much more serious attachment problem than it does a peer-rejection problem.

Obviously there are quite a few factors that determine personality, including a person’s upbringing and experiences,” David continues, “but despite the peace and prosperity that had reigned in this country for nearly a century, it seemed advantageous to our ancestors to reduce the risk of these undesirable qualities showing up in our population by correcting them. In other words, by editing humanity. “That’s how the genetic manipulation experiment was born. It takes several generations for any kind of genetic manipulation to manifest, but people were selected from the general population in large numbers, according to their backgrounds or behavior, and they were given the option to give a gift to our future generations, a genetic alteration that would make their descendants just a little bit better.” I look around at the others. Peter’s mouth is puckered with disdain. Caleb is scowling. Cara’s mouth has fallen open, like she is hungry for answers and intends to eat them form the air. Christina just looks skeptical, one eyebrow raised, and Tobias is staring at his shoes.

Weaknesses in claims about self-esteem have been evident for a long time. In California in the late 1980s, the state governor set up a special taskforce to examine politician John Vasconcellos’s claim that boosting young people’s self-esteem would prevent a range of societal problems (see chapter 1). One of its briefs was to review the relevant literature and assess whether there was support for this new approach. An author of the resulting report wrote in the introduction that ‘one of the disappointing aspects of every chapter in this volume … is how low the associations between self-esteem and its [presumed] consequences are in research to date.’1 Unfortunately, this early expression of concern was largely ignored. Carol Craig reviews more recent warnings about the self-esteem movement in an online article ‘A short history of self-esteem’, citing the research of five professors of psychology. Craig’s article and related documents are worth reading if you are interested in exploring this issue in depth.2 The following is my summary of her key conclusions about self-esteem:        •   There is no evidence that self-image enhancing techniques, aimed at boosting self-esteem directly, foster improvements in objectively measured ‘performance’.        •   Many people who consider themselves to have high self-esteem tend to grossly overestimate their own abilities, as assessed by objective tests of their performance, and may be insulted and threatened whenever anyone asserts otherwise.        •   Low self-esteem is not a risk factor for educational problems, or problems such as violence, bullying, delinquency, racism, drug-taking or alcohol abuse.        •   Obsession with self-esteem has contributed to an ‘epidemic of depression’ and is undermining the life skills and resilience of young people.        •   Attempts to boost self-esteem are encouraging narcissism and a sense of entitlement.        •   The pursuit of self-esteem has considerable costs and may undermine the wellbeing of both individuals and societies. Some of these findings were brought to wider public attention in an article entitled ‘The trouble with self-esteem’, written by psychologist Lauren Slater, which appeared in The New York Times in 2002.3 Related articles, far too many to mention individually in this book, have emerged, alongside many books in which authors express their concerns about various aspects of the myth of self-esteem.4 There is particular concern about what we are doing to our children.

The American share of the crisis began with grossly improper mortgages provided to wholly unqualified borrowers, all directly caused and encouraged by government distortion of and interference in the market. The government’s market deformation and market intervention was in turn the result of two factors: political favouritism and Leftist ideology, on the one hand; and upon the other, corruption: the blatant cooption of such Friends of Angelo as Mr Dodd and of such bien-pensant Lefties as Mr Frank. The stability and efficiency of any market is directly proportional to the amount and trustworthiness of market information. The Yank Congress, for blatantly partisan and ideological reasons, gave out false information to the market, pushing lenders into making bad loans and giving out, with the appropriate winks and nudges, that Fannie (will Americans ever realise how that sounds) and Freddie, imperfectly quangoised, were ‘really just as good as the Treasury’ and were in any case ‘too big to [be let] fail’: which, as it happens, was untrue. Similarly, this moronic mantra of ‘too big to fail’ was chanted desperately and loudly to drown out the warning sounds of various financial institutions on the brink and of the automobile industry. Incomprehensible sums of public money were thrown at these corporations so that they could avoid bankruptcy, and have succeeded only in privatising profit whilst socialising risk.

Statisticians say that stocks with healthy dividends slightly outperform the market averages, especially on a risk-adjusted basis. On average, high-yielding stocks have lower price/earnings ratios and skew toward relatively stable industries. Stripping out these factors, generous dividends alone don’t seem to help performance. So, if you need or like income, I’d say go for it. Invest in a company that pays high dividends. Just be sure that you are favoring stocks with low P/Es in stable industries. For good measure, look for earnings in excess of dividends, ample free cash flow, and stable proportions of debt and equity. Also look for companies in which the number of shares outstanding isn’t rising rapidly. To put a finer point on income stocks to skip, reverse those criteria. I wouldn’t buy a stock for its dividend if the payout wasn’t well covered by earnings and free cash flow. Real estate investment trusts, master limited partnerships, and royalty trusts often trade on their yield rather than their asset value. In some of those cases, analysts disagree about the economic meaning of depreciation and depletion—in particular, whether those items are akin to earnings or not. Without looking at the specific situation, I couldn’t judge whether the per share asset base was shrinking over time or whether generally accepted accounting principles accounting was too conservative. If I see a high-yielder with swiftly rising share counts and debt levels, I assume the worst.

Say Bank A is holding $10 million in A-minus-rated IBM bonds. It goes to Bank B and makes a deal: we’ll pay you $50,000 a year for five years and in exchange, you agree to pay us $10 million if IBM defaults sometime in the next five years—which of course it won’t, since IBM never defaults. If Bank B agrees, Bank A can then go to the Basel regulators and say, “Hey, we’re insured if something goes wrong with our IBM holdings. So don’t count that as money we have at risk. Let us lend a higher percentage of our capital, now that we’re insured.” It’s a win-win. Bank B makes, basically, a free $250,000. Bank A, meanwhile, gets to lend out another few million more dollars, since its $10 million in IBM bonds is no longer counted as at-risk capital. That was the way it was supposed to work. But two developments helped turn the CDS from a semisensible way for banks to insure themselves against risk into an explosive tool for turbo leverage across the planet. One is that no regulations were created to make sure that at least one of the two parties in the CDS had some kind of stake in the underlying bond. The so-called naked default swap allowed Bank A to take out insurance with Bank B not only on its own IBM holdings, but on, say, the soon-to-be-worthless America Online stock Bank X has in its portfolio. This is sort of like allowing people to buy life insurance on total strangers with late-stage lung cancer—total insanity. The other factor was that there were no regulations that dictated that Bank B had to have any money at all before it offered to sell this CDS insurance.

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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.

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Conservatism" in America's politics means "Let's keep the niggers in their place." And "liberalism" means "Let's keep the knee-grows in their place-but tell them we'll treat them a little better; let's fool them more, with more promises." With these choices, I felt that the American black man only needed to choose which one to be eaten by, the "liberal" fox or the "conservative" wolf-because both of them would eat him. I didn't go for Goldwater any more than for Johnson-except that in a wolf's den, I'd always known exactly where I stood; I'd watch the dangerous wolf closer than I would the smooth, sly fox. The wolf's very growling would keep me alert and fighting him to survive, whereas I might be lulled and fooled by the tricky fox. I'll give you an illustration of the fox. When the assassination in Dallas made Johnson President, who was the first person he called for? It was for his best friend, "Dicky"-Richard Russell of Georgia. Civil rights was "a moral issue," Johnson was declaring to everybody-while his best friend was the Southern racist who led the civil rights opposition. How would some sheriff sound, declaring himself so against bank robbery-and Jesse James his best friend? How would some sheriff sound, declaring himself so against bank robbery-and Jesse James his best friend? Goldwater as a man, I respected for speaking out his true convictions-something rarely done in politics today. He wasn't whispering to racists and smiling at integrationists. I felt Goldwater wouldn't have risked his unpopular stand without conviction. He flatly told black men he wasn't for them-and there is this to consider: always, the black people have advanced further when they have seen they had to rise up against a system that they clearly saw was outright against them. Under the steady lullabies sung by foxy liberals, the Northern Negro became a beggar. But the Southern Negro, facing the honestly snarling white man, rose up to battle that white man for his freedom-long before it happened in the North. Anyway, I didn't feel that Goldwater was any better for black men than Johnson, or vice-versa. I wasn't in the United States at election time, but if I had been, I wouldn't have put myself in the position of voting for either candidate for the Presidency, or of recommending to any black man to do so. It has turned out that it's Johnson in the White House-and black votes were a major factor in his winning as decisively as he wanted to. If it had been Goldwater, all I am saying is that the black people would at least have known they were dealing with an honestly growling wolf, rather than a fox who could have them half-digested before they even knew what was happening.

Sharon passed around a handout: "Triangle of Self-Actualization" by Abraham Maslow. The levels of human motivation. It resembled the nutrition triangle put out by the FDA, with five horizontal levels of multiple colors. I vaguely remembered it from my one college psychology course in the 1970's. "Very applicable with refugees," Sharon said. "Maslow theorized that one could not move to a higher level until the prior level was satisfied. The first level, the triangle base, is physiological needs. Like food and water. Until a person has enough to eat and drink, that's all one would be concerned with." I'd never experienced not being able to satisfy my thirst or hunger, but it sounded logical that that would be my only concern in such a situation. For the Lost Boys, just getting enough food and water had been a daily struggle. I wondered what kind of impact being stuck at the bottom level for the last fourteen years would have on a person, especially a child and teen. "The second level is safety and security. Home. A sanctuary. A safe place." Like not being shot at or having lions attack you. They hadn't had much of level two, either. Even Kakuma hadn't been safe. A refugee camp couldn't feel like home. "The third level is social. A sense of belonging." Since they'd been together, they must have felt like they belonged, but perhaps not on a larger scale, having been displaced from home and living in someone else's country. "Once a person has food, shelter, family and friends, they can advance to the fourth level, which is ego. Self-esteem." I'd never thought of those things occurring sequentially, but rather simultaneously, as they did in my life. If I understood correctly, working on their self-esteem had not been a large concern to them, if one at all. That was bound to affect them eventually. In what way remained to be seen. They'd been so preoccupied with survival that issues of self-worth might overwhelm them at first. A sure risk for insecurity and depression. The information was fascinating and insightful, although worrisome in terms of Benson, Lino, and Alepho. It also made me wonder about us middle-and upper-class Americans. We seldom worried about food, except for eating too much, and that was not what Maslow had been referring to. Most of us had homes and safety and friends and family. That could mean we were entirely focused on that fourth level: ego. Our efforts to make ourselves seem strong, smart, rich, and beautiful, or young were our own kind of survival skill. Perhaps advancing directly to the fourth level, when the mind was originally engineered for the challenges of basic survival, was why Prozac and Zoloft, both antidepressants, were two of the biggest-selling drugs in America. "The pinnacle of the triangle," Sharon said, "is the fifth level. Self-actualization. A strong and deeply felt belief that as a person one has value in the world. Contentment with who one is rather than what one has. Secure in ones beliefs. Not needing ego boosts from external factors. Having that sense of well-being that does not depend on the approval of others is commonly called happiness." Happiness, hard to define, yet obvious when present. Most of us struggled our entire lives to achieve it, perhaps what had brought some of us to a mentoring class that night.

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