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He wondered about the people in houses like those. They would be, for example, small clerks, shop-assistants, commercial travellers, insurance touts, tram conductors. Did they know that they were only puppets dancing when money pulled the strings? You bet they didn’t. And if they did, what would they care? They were too busy being born, being married, begetting, working, dying. It mightn’t be a bad thing, if you could manage it, to feel yourself one of them, one of the ruck of men. Our civilization is founded on greed and fear, but in the lives of common men the greed and fear are mysteriously transmuted into something nobler. The lower-middle-class people in there, behind their lace curtains, with their children and their scraps of furniture and their aspidistras — they lived by the money-code, sure enough, and yet they contrived to keep their decency. The money-code as they interpreted it was not merely cynical and hoggish. They had their standards, their inviolable points of honour. They ‘kept themselves respectable’— kept the aspidistra flying. Besides, they were alive. They were bound up in the bundle of life. They begot children, which is what the saints and the soul-savers never by any chance do. The aspidistra is the tree of life, he thought suddenly.

I realize I have stopped thinking about political divides, about freedom fighters or terrorists, about dictators and armies. I am thinking only of the fragility of civilization. The lives the refugees had were our lives: they owned corner shops and sold cars, they farmed or worked in factories or owned factories or sold insurance. None of them expected to be running for their lives, leaving everything they had because they had nothing to come back to, making smuggled border crossings, walking past the dismembered corpses of other people who had tried to make the crossing but had been caught or been betrayed.

On Rachel's show for November 7, 2012: We're not going to have a supreme court that will overturn Roe versus Wade. There will be no more Antonio Scalias and Samuel Aleatos added to this court. We're not going to repeal health reform. Nobody is going to kill medicare and make old people in this generation or any other generation fight it out on the open market to try to get health insurance. We are not going to do that. We are not going to give a 20% tax cut to millionaires and billionaires and expect programs like food stamps and kid's insurance to cover the cost of that tax cut. We'll not make you clear it with your boss if you want to get birth control under the insurance plan that you're on. We are not going to redefine rape. We are not going to amend the United States constitution to stop gay people from getting married. We are not going to double Guantanamo. We are not eliminating the Department of Energy or the Department of Education or Housing at the federal level. We are not going to spend $2 trillion on the military that the military does not want. We are not scaling back on student loans because the country's new plan is that you should borrow money from your parents. We are not vetoing the Dream Act. We are not self-deporting. We are not letting Detroit go bankrupt. We are not starting a trade war with China on Inauguration Day in January. We are not going to have, as a president, a man who once led a mob of friends to run down a scared, gay kid, to hold him down and forcibly cut his hair off with a pair of scissors while that kid cried and screamed for help and there was no apology, not ever. We are not going to have a Secretary of State John Bolton. We are not bringing Dick Cheney back. We are not going to have a foreign policy shop stocked with architects of the Iraq War. We are not going to do it. We had the chance to do that if we wanted to do that, as a country. and we said no, last night, loudly.

When Al Gore urges the citizenry to sacrifice their plastic shopping bags, their air-conditioning, their extraneous travel, the agnostics grumble that human activity accounts for just 2 percent of global carbon-dioxide emissions, with the remainder generated by natural processes like plant decay.

a perfect description of the “automatic cultural man”—man as confined by culture, a slave to it, who imagines that he has an identity if he pays his insurance premium, that he has control of his life if he guns his sports car or works his electric toothbrush. Today the inauthentic or immediate men are familiar types, after decades of Marxist and existentialist analysis of man’s slavery to his social system. But in Kierkegaard’s time it must have been a shock to be a modern European city-dweller and be considered a Philistine at the same time. For Kierkegaard “philistinism” was triviality, man lulled by the daily routines of his society, content with the satisfactions that it offers him: in today’s world the car, the shopping center, the two-week summer vacation. Man is protected by the secure and limited alternatives his society offers him, and if he does not look up from his path he can live out his life with a certain dull security: Devoid of imagination, as the Philistine always is, he lives in a certain trivial province of experience as to how things go, what is possible, what usually occurs… . Philistinism tranquilizes itself in the trivial…

The painful fact that the poor end up paying more than the rich for many goods and services has a very simple and systemic explanation. It generally costs more to provide goods and services in low-income neighborhoods. For example, insurance and security costs are often higher in poor neighborhoods due to high crime and vandalism rates. This is a factor frequently forgotten by those who look to personal intentions for an explanation for this phenomenon. For example, a shopping center within a populous neighborhood of a midtown city spent 15 percent more on security guards and night lighting than a shopping complex within a residential area of ​​the same city. All these costs are passed on to the consumer in the form of higher prices.

supervisors force professional service people to broadcast the Professional Smile? Am I the only consumer in whom high doses of such a smile produce despair? Am I the only person who’s sure that the growing number of cases in which totally average-looking people suddenly open up with automatic weapons in shopping malls and insurance offices and medical complexes and McDonald’ses is somehow causally related to the fact that these venues are well-known dissemination-loci of the Professional Smile?

One rather odd use of xerography insures that brides get the wedding presents they want. The prospective bride submits her list of preferred presents to a department store; the store sends the list to its bridal-registry counter, which is equipped with a Xerox copier; each friend of the bride, having been tactfully briefed in advance, comes to this counter and is issued a copy of the list, whereupon he does his shopping and then returns the copy with the purchased items checked off, so that the master list may be revised and thus ready for the next donor.

This is related to the phenomenon of the Professional Smile, a national pandemic in the service industry; and noplace in my experience have I been on the receiving end of as many Professional Smiles as I am on the Nadir, maître d’s, Chief Stewards, Hotel Managers’ minions, Cruise Director—their P.S.’s all come on like switches at my approach. But also back on land at banks, restaurants, airline ticket counters, on and on. You know this smile—the strenuous contraction of circumoral fascia w/ incomplete zygomatic involvement—the smile that doesn’t quite reach the smiler’s eyes and that signifies nothing more than a calculated attempt to advance the smiler’s own interests by pretending to like the smilee. Why do employers and supervisors force professional service people to broadcast the Professional Smile? Am I the only consumer in whom high doses of such a smile produce despair? Am I the only person who’s sure that the growing number of cases in which totally average-looking people suddenly open up with automatic weapons in shopping malls and insurance offices and medical complexes and McDonald’ses is somehow causally related to the fact that these venues are well-known dissemination-loci of the Professional Smile? Who do they think is fooled by the Professional Smile? And yet the Professional Smile’s absence now also causes despair. Anybody who’s ever bought a pack of gum in a Manhattan cigar store or asked for something to be stamped FRAGILE at a Chicago post office or tried to obtain a glass of water from a South Boston waitress knows well the soul-crushing effect of a service worker’s scowl, i.e. the humiliation and resentment of being denied the Professional Smile. And the Professional Smile has by now skewed even my resentment at the dreaded Professional Scowl: I walk away from the Manhattan tobacconist resenting not the counterman’s character or absence of goodwill but his lack of professionalism in denying me the Smile. What a fucking mess.

It was a gorgeous evening, with a breeze shimmering through the trees, people strolling hand in hand through the quaint streets and the plaza. The shops, bistros and restaurants were abuzz with patrons. She showed him where the farmer's market took place every Saturday, and pointed out her favorite spots- the town library, a tasting room co-op run by the area vintners, the Brew Ha-Ha and the Rose, a vintage community theater. On a night like this, she took a special pride in Archangel, with its cheerful spirit and colorful sights. She refused to let the Calvin sighting drag her down. He had ruined many things for her, but he was not going to ruin the way she felt about her hometown. After some deliberation, she chose Andaluz, her favorite spot for Spanish-style wines and tapas. The bar spilled out onto the sidewalk, brightened by twinkling lights strung under the big canvas umbrellas. The tables were small, encouraging quiet intimacy and insuring that their knees would bump as they scooted their chairs close. She ordered a carafe of local Mataro, a deep, strong red from some of the oldest vines in the county, and a plancha of tapas- deviled dates, warm, marinated olives, a spicy seared tuna with smoked paprika. Across the way in the plaza garden, the musician strummed a few chords on his guitar. The food was delicious, the wine even better, as elemental and earthy as the wild hills where the grapes grew. They finished with sips of chocolate-infused port and cinnamon churros. The guitar player was singing "The Keeper," his gentle voice seeming to float with the breeze.

Olive,’ Mum said, stroking my fringe. ‘I need you to listen to me, and I need you to be brave.’ Opening my eyes again, I swallowed nervously. ‘What’s happened?’ ‘Your sister didn’t arrive at work today.’ Sukie was a typist for an insurance company in Clerkenwell. She said it was the dullest job ever. ‘Isn’t today Saturday, though?’ I asked. ‘She was due in to do overtime. No one’s seen her since she was with you and Cliff last night. She’s missing.’ ‘Missing?’ I didn’t understand. Mum nodded. The nurse added rather unhelpfully: ‘We’ve had casualties from all over London. It’s been chaos. All you can do is keep hoping for the best.’ It was obvious what she meant. I glanced at Mum, who always took the opposite view in any argument. But she stayed silent. Her hands, though, were trembling. ‘Missing isn’t the same as dead,’ I pointed out. Mum grimaced. ‘That’s true, and I’ve spoken to the War Office: Sukie’s name isn’t on their list of dead or injured but-’ ‘So she’s alive, then. She must be. I saw her in the street talking to a man,’ I said. ‘When she realised I’d followed her she was really furious about it.’ Mum looked at me, at the nurse, at the bump on my head. ‘Darling, you’re concussed. Don’t get overexcited now.’ ‘But you can’t think she’s dead.’ I insisted. ‘There’s no proof, is ther?’ ‘Sometimes it’s difficult to identify someone after…’ Mum faltered. I knew what she couldn’t say: sometimes if a body got blown apart there’d be nothing left to tie a name tag to. It was why we’d never buried Dad. Perhaps if there’d been a coffin and a headstone and a vicar saying nice things, it would’ve seemed more real. This felt different, though. After a big air raid the telephones were often down, letters got delayed, roads blocked. It might be a day or two before we heard from Sukie, and worried though I was, I knew she could look after herself. I wondered if it was part of Mum being ill, this painting the world black when it was grey. My head was hurting again so I lay back against the pillows. I was fed up with this stupid, horrid war. Eighteen months ago when it started, everyone said it’d be over before Christmas, but they were wrong. It was still going on, tearing great holes in people’s lives. We’d already lost Dad, and half the time these days it felt like Mum wasn’t quite here. And now Sukie – who knew where she was? I didn’t realise I was crying again until Mum touched my cheek. ‘It’s not fair,’ I said weakly. ‘War isn’t fair, I’m afraid,’ Mum replied. ‘You only have to walk through this hospital to see we’re not the only ones suffering. Though that’s just the top of the iceberg, believe me. There’s plenty worse going on in Europe.’ I remembered Sukie mentioning this too. She’d got really upset when she told me about the awful things happening to people Hitler didn’t like. She was in the kitchen chopping onions at the time so I wasn’t aware she was crying properly. ‘What sort of awful things?’ I’d asked her. ‘Food shortages, people being driven from their homes.’ Sukie took a deep breath, as if the list was really long. ‘People being attacked for no reason or sent no one knows where – Jewish people in particular. They’re made to wear yellow stars so everyone knows they’re Jews, and then barred from shops and schools and even parts of the towns where they live. It’s heartbreaking to think we can’t do anything about it.’ People threatened by soldiers. People queuing for food with stars on their coats. It was what I’d seen on last night’s newsreel at the cinema. My murky brain could just about remember those dismal scenes, and it made me even more angry. How I hated this lousy war. I didn’t know what I could do about it, a thirteen-year-old girl with a bump on her head. Yet thinking there might be something made me feel a tiny bit better.

Sunday's Best Times are tough for English babies Send the army and the navy Beat up strangers who talk funny Take their greasy foreign money Skin shop, red leather, hot line Be prepared for the engaged sign Bridal books, engagement rings And other wicked little things Chorus: Standing in your socks and vest Better get it off your chest Every day is just like the rest But Sunday's best Stylish slacks to suit your pocket Back supports and picture lockets Sleepy towns and sleeper trains To the dogs and down the drains Major roads and ladies smalls Hearts of oak and long trunk calls Continental interference At death's door with life insurance Chorus Sunday's best, Sunday's finest When your money's in the minus And you suffer from your shyness You can listen to us whiners Don't look now under the bed An arm, a leg and a severed head Read about the private lives The songs of praise, the readers' wives Listen to the decent people Though you treat them just like sheep Put them all in boots and khaki Blame it all upon the darkies

What the research shows is that the charge master and commercial insurance company prices for the same test or treatment will also vary substantially even at neighboring medical facilities where, presumably, basic input costs such as rent and wages do not vary substantially. Colonoscopies in New York City can vary fourfold—between $2,025 and $8,700—depending on the hospital. This variation in price is very hard to justify. Typically, neither patients nor physicians have access to the price, so they cannot shop around for lower prices. Imagine you were shopping for a new shirt but there was no price tag and you could not know until weeks after you bought it whether the shirt cost $25 or $200. This would make shopping a crazy experience.

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Role of quality: The quality of the shopping experience provides weaker differential advantages than quality can bring to product brands, but it can still have an impact. As retailers add new services, such as banking, insurance etc., they can strengthen the quality of the shopping experience and enter new markets. Brands,

On the day the hulk was towed away from Asbury Park, George White Rogers opened a radio-repair shop in Bayonne, New Jersey. It was the first time he had worked in some months. Customers found Rogers a bombastic shopkeeper, fond of telling them how lucky they were to have their radio sets mended by him. His business dropped off. One day in February 1935, Rogers left the shop “to get a breath of air.” Shortly afterward it caught fire. Bayonne police files reveal: “An inventory made by Rogers disclosed equipment had suffered damage to the extent of $1200. Arson was suspected. But no proof existed to warrant an arrest. He collected from the insurance company.

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So here I was in San Francisco with a degree, and I thought it would make a difference. The first job I applied for was at American Insurance Company. I expected maybe a clerical job, but there were none there—those jobs weren’t open for Oriental people at that time. Then I tried a ladies’ apparel shop as a stock girl. That wasn’t even open to me. Oh, they don’t tell you right out to your face—but you have that feeling.

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

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I am a bit distracted by someone in this coffee shop where I am sitting here quietly working on this book. I am quite positive he NEEDS this book. I wanted to print it out and give him a copy, but I didn’t bring my printer with me, because THIS IS NOT MY HOME OFFICE! This guy is sitting at a table next to me, talking SO loudly on his cell phone that no one in a mile radius can hear themselves think. I can only assume he thinks he is alone in his own house because he has removed his shoes and is moving his feet around rapidly to air them out – which by the way, smell. He is in a very public place and severely lacking Common Courtesy. He isn’t thinking that some of the people here come to the coffee shop for some semi-quiet time, to reflect on the world and ourselves…not to listen to his spiel on insurance and why everyone needs more of it. GEEZ!

A mile from the bus route Muller met Dremmler in a pastry shop. It had four small tables, all of them occupied by pairs of men just like themselves, friends but not really, bound together only by a proposition, be it buying or selling or hedging or insuring, or investing or leasing or renting or flipping. Or making a stand against crumbling national identity. Dremmler

There can be no liberal politics without a sense of we—of what we are as citizens and what we owe each other. If liberals hope ever to recapture America’s imagination and become a dominant force across the country, it will not be enough to beat the Republicans at flattering the vanity of the mythical Joe Sixpack. They must offer a vision of our common destiny based on one thing that all Americans, of every background, actually share. And that is citizenship. We must relearn how to speak to citizens as citizens and to frame our appeals—including ones to benefit particular groups—in terms of principles that everyone can affirm. Ours must become a civic liberalism.* This does not mean a return to the New Deal. Future liberals cannot be like the liberals of yore; too much has changed. But it will require that the spell of identity politics that has held two generations in its thrall be broken so that we can focus on what we share as citizens. I hope to convince my fellow liberals that their current way of looking at the country, speaking to it, teaching the young, and engaging in practical politics has been misguided and counterproductive. Their abdication must end and a new approach must be embraced.   It is a bittersweet truth that there has never been a better opportunity in half a century for liberals to start winning the country back. Republicans since Trump’s election are in disarray and intellectually bankrupt. Most Americans now recognize that Reagan’s “shining city upon a hill” has turned into rust belt towns with long-shuttered shops, abandoned factories invaded by local grasses, cities where the water is undrinkable and guns are everywhere, and homes across the country where families are scraping by with part-time minimum-wage jobs and no health insurance. It is an America where Democrats, independents, and many Republican voters feel themselves abandoned by their country. They want America to be America again. But there is no again in politics, just the future. And there is no reason why the American future should not be a liberal one. Our message can and should be simple: we are a republic, not a campsite. Citizens are not roadkill. They are not collateral damage. They are not the tail of the distribution. A citizen, simply by virtue of being a citizen, is one of us. We have stood together to defend the country against foreign adversaries in the past. Now we must stand together at home to make sure that none of us faces the risk of being left behind. We’re all Americans and we owe that to each other. That’s what liberalism means.

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Clem Whitaker and Leone Baxter, who ran a California company called Campaigns, Inc., the first political consulting firm in the history of the world.9 They’d opened shop in 1933, chiefly running political campaigns for Republican candidates. For a long time, they’d taken only California clients. But beginning in 1949, they’d engaged in a national campaign, and they’d won: retained by the American Medical Association, they’d defeated a national health insurance plan proposed by the Democratic president, Harry S. Truman

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

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Motorists coming west on 125th Street from the Triborough Bridge saw a speaker standing in the tonneau of an old muddy battered US Army command car, parked in the amber night light at the corner of Second Avenue, in front of a sign which read: CHICKEN AUTO INSURANCE, Seymour Rosenblum. None had the time or interest to investigate further. The white motorists thought that the Negro speaker was selling “chicken auto insurance” for Seymour Rosenblum. They could well believe it. “Chicken” had to do with the expression, “Don’t be chicken!” and that was the way people drove in Harlem. But actually the “chicken” sign was left over from a restaurant that had gone bankrupt and closed months previously, and the sign advertising auto insurance had been placed across the front of the closed shop afterwards.

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Shop with an independent insurance agent. Your old college buddy who works for fill-in-the-blank insurance company? He’s called a “captive agent” because he only can sell you insurance from . . . you guessed it: that insurance company. Instead, work with an independent insurance broker who can get quotes from a variety of top-rated companies to get you the best deal. PS: We have a network of insurance pros that are RamseyTrusted who can find you the best coverage at the best price.

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in 2012, the three hundred largest cooperatives worldwide, covering agriculture, retail, insurance and healthcare, generated $2.2 trillion in revenue—equivalent to the world’s seventh largest economy.66 In the UK, the John Lewis Partnership, a leading retailer for almost a century, has over 90,000 permanent staff named as Partners in the business. In 2011, the company raised £50 million in capital by inviting employees and customers to purchase five-year bonds in return for an annual 4.5 percent dividend plus 2 percent in shop vouchers.

Jerry licked his lips again. “I can’t let you in the shop. My insurance company doesn’t allow it, but I’ll take this in back and show it around.” He disappeared through a door. In the brief seconds the door was open, she heard music, voices, and the sound of pneumatic tools being used.

coffee shop, the corner store, a tiny one-room, freestanding library, and the adorable little cabin in the woods that would be hers, rent-free, for the year of her contract. The town backed up to the amazing sequoia redwoods and national forests that spanned hundreds of miles of wilderness over the Trinity and Shasta mountain ranges. The Virgin River, after which the town was named, was deep, wide, long, and home to huge salmon, sturgeon, steel fish and trout. She’d looked on the internet at pictures of that part of the world and was easily convinced no more beautiful land existed. Of course, she could see nothing now except rain, mud and darkness. Ready to get out of Los Angeles, she had put her résumé with the Nurses’ Registry and one of the recruiters brought Virgin River to her attention. The town doctor, she said, was getting old and needed help. A woman from the town, Hope McCrea, was donating the cabin and the first year’s salary. The county was picking up the tab for liability insurance for at least a year to get a practitioner and midwife in this remote, rural part of the world. “I faxed Mrs. McCrea your résumé and letters of recommendation,” the recruiter had said, “and she

Mama was a great judge of everything but distance. The bad news was that her insurance was through the roof and people dove for cover when they spotted her coming. The good news was that she always had a new car to sport around, even if it did have a few dings here and there.

At the same time, she saw on the streets and subways of New York a depth of poverty unlike anything she'd ever witnessed in Europe, and realized that unemployment or even a poorly paid job in the US could lead to abject homelessness, hunger, and desperation. Compounding Partanen's anxiety was the fact that, while poverty was often visible, wealth frequently was not; she eventually realized that many of the people whom she thought of as her peers were not living on their earnings, but on inheritances or family support. Worst of all, it really did seem difficult to earn enough to own a home, send her kids to college, or have reliable health-care insurance. Paradoxically, as her insecurities added up, she found herself wanting to spend more money, rather than less. 'It was striking to me that I, who had grown up in a Nordic country and had not felt that before, got caught up in it quite quickly after moving to America. I felt like I should be consuming more,' Partanen said, 'You want to buy more things that will make you feel like you're making it, and like you are safe.

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He let out a breath. "How old are you?" he asked, fearful of the answer. "Twenty-five." She gave him a wry smile. "And since you yelled it at Heather, I know you're 'forty fucking years old'." He would have laughed, but he couldn't breathe. Jesus, he'd known she was young, but hearing her actual age..."That's fifteen years." "I can do the math, but you know what else? I'm legal. I can drink. I have decent car insurance since I hit the quarter century mark, and I own this house." she paused. "Well the bank owns most of it, but I qualified for a loan and everything since I have decent credit." Her nose wrinkled. "I'm getting off subject. If the age difference truly bothers you, then I will see you at the shop to finish your tattoo. No hard feelings." He growled softly. Well, something was hard, and it wasn't his feelings.

Insurance companies have another subtle tool. They can design policies, or “screening” mechanisms, that elicit information from their potential customers. This insight, which is applicable to all kinds of other markets, earned Joseph Stiglitz, an economist at Columbia University and a former chief economist of the World Bank, a share of the 2001 Nobel Prize. How do firms screen customers in the insurance business? They use a deductible. Customers who consider themselves likely to stay healthy will sign up for policies that have a high deductible. In exchange, they are offered cheaper premiums. Customers who privately know that they are likely to have costly bills will avoid the deductible and pay a higher premium as a result. (The same thing is true when you are shopping for car insurance and you have a sneaking suspicion that your sixteen-year-old son is an even worse driver than most sixteen-year-olds.) In short, the deductible is a tool for teasing out private information; it forces customers to sort themselves.

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