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Do you have any regrets?” Still, I looked at the sea. Regrets. Who hasn’t looked back and considered the road not taken? We’re not handed an itinerary when we start out. Most of us get where we’re going by accident. A kind word from a math teacher, and the student aims, knowingly or not, toward engineering. A thoughtless rebuke and the young violinist surrenders his dream. If we’re lucky, we take a path where we can do some good along the way. My first career had little social utility, other than providing televised entertainment interrupted by sixty-second accolades to the glory of various beers, cars, and insurance companies. My second career has even less. Now, I’m one of the players in a game where justice is dispensed nearly as often as the Red Sea is parted. Regrets. I wish I’d been faster then, smarter now. I wish I could paint a picture or build a bridge. I wish there was a woman—just one— who had lasted. A best friend and only lover, a soulmate, not a cellmate. After a moment, I said, “We all have our regrets.

Life’s too short to wallow in the weeds! There are thousands of stocks to choose from. Some investors do build a career around digging into the minutiae in the footnotes. For banking and insurance analysts, it’s mandatory. But as a portfolio manager who didn’t own Enron stock, I didn’t need it. Disclosure is a wonderful thing, but I’ve never had good luck with complex corporate structures that require massive information statements. Not infrequently, companies with complex corporate structures or opaque disclosures are trying to hide something.

Our capacity for self-deception has few boundaries. Look at the reasons people give for their accidents on actual auto insurance forms: “I collided with a stationary truck coming the other way.” “A pedestrian hit me and went under my car.” “The guy was all over the road. I had to swerve a number of times before I hit him.” “An invisible car came out of nowhere, struck my car, and vanished.” “The pedestrian had no idea which direction to run, so I ran over him.” “The telephone pole was approaching. I was attempting to swerve out of its way when it struck my car.”*

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The threat of litigation is another incentive to shy away from a proper mea culpa. Insurance companies advise clients never to admit blame at the scene of a traffic accident, even if the crash was clearly their fault. Remember how long it took BP to issue anything resembling an official apology for the Deepwater Horizon oil spill? Nearly two months. Behind the scenes, lawyers and PR gurus pored over legal precedents to fashion a statement that would appease public opinion without opening the door to an avalanche of lawsuits. Nor is it just companies that shrink from accepting blame.

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