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When belonging to an elite group eclipses the love of God, when I draw life and meaning from any source other than my belovedness, I am spiritually dead. When God gets relegated to second place behind any bauble or trinket, I have swapped the pearl of great price for painted fragments of glass.

because Harvard is such a fine sound forty acres is no high price for a fine sound. A fine dead sound we will swap Benjy's pasture for a fine dead sound. It will last him a long time because he cannot hear it unless he can smell it

The less transparent the market and the more complicated the securities, the more money the trading desks at big Wall Street firms can make from the argument. The constant argument over the value of the shares of some major publicly traded company has very little value, as both buyer and seller can see the fair price of the stock on the ticker, and the broker’s commission has been driven down by competition. The argument over the value of credit default swaps on subprime mortgage bonds—a complex security whose value was derived from that of another complex security—could be a gold mine.

The price was right. In the autumn of 1940 the British had desperately needed more warships. The Americans had fifty spare and so, with what was called the ‘Destroyers for Bases Agreement’, the British swapped their ability to be a global power for help in remaining in the war. Almost every British naval base in the Western Hemisphere was handed over.

Su initiated Phooli and Chilki into computer games, while they taught her how to play hoola-hoop with a discarded cycle tyre, how to catch raindrops in her mouth and the secret art of taming a goat. Su listened to them with absolute, unwavering concentration. Her eyes wide open, almost unblinking. The bartering also included swapping Toblerones with brightly coloured candy bought from a Kacchi Basti vendor at a bargain price.

Forty-five minutes and many pairs of kids' pyjamas, handballs and packets of coloured pencils later, I have had to swap my basket for a trolley, but when I get through the self-checkout and find out the total is forty-seven dollars, I'm so horrified by the low price that I abandon it all. That was a pricing mistake they made there. They made it so low it alarmed me and reminded me what a lot of mass-produced tat it was, and how it was possibly made my small exploited children in the third world. If the total had been seventy dollars I probably would have bought the lot.

I've always felt we're supposed to be sad as often as we’re happy. Without being forlorn, happiness has no value. I believe out there, whatever or whoever is responsible for the universe has simply made us start at the beginning before more is revealed to us. I don’t believe in a perfect existence. If it were around, we would know about it already. Erase pain and suffering and erase life. We’re being prepared for the next chapter. Being subjected to what’s considered the ultimate state of mind in the universe comes with a price-tag. What steps were at now I have no idea. But I'm excited to get to the end someday. Maybe I’ll come find you and we can swap stories sometime? Until then I value my sadness as much as my happiness. A sadness we all share.

In the winter of 18077, thirteen like-minded souls in London got together at the Freemasons Tavern at Long Acre, in Covent Garden, to form a dining club to be called the Geological Society. The idea was to meet once a month to swap geological notions over a glass or two of Madeira and a convivial dinner. The price of the meal was set at a deliberately hefty 15 shillings to discourage those whose qualifications were merely cerebral. It soon became apparent, however, that there was a demand for something more properly institutional, with a permanent headquarters, where people could gather to share and discuss new findings. In barely a decade membership grew to 400 – still all gentlemen, of course – and the Geological was threatening to eclipse the Royal as the premier scientific society in the country. The members met twice a month from November until June8, when virtually all of them went off to spend the summer doing fieldwork. These weren’t people with a pecuniary interest in minerals, you understand, or even academics for the most part, but simply gentlemen with the wealth and time to indulge a hobby at a more or less professional level. By 1830 there were 745 of them, and the world would never see the like again. It is hard to imagine now, but geology excited the nineteenth century – positively gripped it – in a way that no science ever had before or would again.

Laughter itself is more often than not a vital abreaction to the disgust we feel for the monstrous mixing and promiscuity that confront us. But for all that we may gag on the absence of differentiation, it still fascinates us. We love to mix everything up, even if it simultaneously repels us. The reaction whereby the organism seeks to preserve its symbolic integrity is a vital one, even if the price paid is life itself (as in the rejection of a transplanted heart). Why would bodies not resist the arbitrary swapping of organs and cells? Also: why do cells, in cancer, refuse to carry out their assigned functions?

In its simplest form, investors sell losing stocks before the end of the current year, realizing losses that reduce the year’s income taxes. This behavior contributes to the so-called January effect where selling pressure in December further depresses the stock prices of the year’s losers, followed by a rebound and excessive performance in January. The impact is greater for smaller companies. Investors used to realize a tax loss by selling a loser and buying it back immediately, with little risk of economic loss (or gain). To inhibit this loss of tax revenue by making it risky, the US government introduced the “wash sale rule,” which says that anyone who sells a stock at a loss and buys it back within thirty-one days may not recognize the loss for tax purposes. The rule is worded also to thwart savvy investors inclined to swap into an “equivalent” stock to get around this. The flip side of tax-loss selling is tax-gain deferral, where an investor who wishes to sell a security with a large gain waits until after the end of the year, deferring the tax due on it by one year. The money can be used for an additional year before being turned over to the government.

multitude of sins, and loos that always made you consider just how much you actually needed a wee, had long since been transformed. Now it was a light, airy affair with oak-effect flooring and pale walls that sold gastro-style meals at the appropriately inflated price. We’d been meeting up here for years. As many of us as possible would make the regular meets, and in between there was a mix and match, depending on who was available. Once children popped onto the scene, it made it a little more difficult to schedule, so in the summer we often swapped the location to one of the parks so that the kids could come too. I loved that we’d all done our best

■Invest in Simple Upgrades Little things matter, friends. If you are living in a space that does not have “good bones,” I say put some lipstick on that pig and invest in some simple, impactful upgrades. A fresh coat of paint, new light fixtures, and stylish window coverings can instantly transform your entire space. When we were renting the home we lived in before the one we are in now, I paid an electrician to swap out all of the overhead light fixtures with modern, stylish lights. That single effort completely transformed the look and feel of our home, and we were able to store the originals and swap them back when we moved. Even changing the plates around your light switches can make an impact without a high price tag.

In the Adaptive Markets framework, complexity means we don't have a good narrative for the system. The solution is obvious: we need to get smarter. Complexity can sometimes be reduced by developing a deeper understanding of the underlying structure of the system. For example, now that we understand the potential for liquidity spirals in statarb portfolios, thanks to August 2007, we can better prepare for them. But the Adaptive Markets framework points to a second problem with complexity, which is the potential divisiveness of special knowledge and the potential for conflict. If the financial system becomes so complex that only a small number of elites truly understand its function and proper maintenance, this knowledge divides the population into those who know and those who don't. Of course, this situation arises with any piece of unique information - I know how to make scallion pancakes in a particular way so they're crispy on the outside but soft and chewy on the inside, and you probably don't. But that piece of knowledge is hardly worth keeping a secret, and the fact that you don't have that knowledge isn't going to get you too upset. But suppose I know how to cure diabetes and you don't. Or I know how to prevent cancer by avoiding certain common foods and you don't. Or I know how to price mortgage-backed securities and credit default swaps and you don't. In these cases, the knowledge I possess confers a certain power and status to me. Complexity creates the need for better narratives and those who have those narratives will become the high priests of complex systems, the gatekeepers of critical, life-altering knowledge. And the difficulty in joining the priesthood - earning an MD/Ph.D. in molecular biology and having twenty year of work experience at biotech and pharmaceutical companies, in the case of curing diabetes - coupled with the societal values of the special knowledge will determine the divisiveness of this elitism.

The numbers shocked even him. They didn't need to collapse; they merely needed to stop rising so fast. House prices were still rising, and yet default rates were approaching 4 percent; if they rose to just 7 percent, the lowest investment-grade bonds, rated triple-B-minus, went to zero. If they rose to 8 percent, the next lowest-rated bonds, rated triple-B, went to zero. At that moment--in November 2005--Greg Lippmann realized that he didn't mind owning a pile of credit default swaps on subprime mortgage bonds. They weren't insurance; they were a gamble; and he liked the odds. He wanted to be short.

The numbers shocked even him. They didn't need to collapse; they merely needed to stop rising so fast. House prices were still rising, and yet default rates were approaching 4 percent; if they rose to just 7 percent, the lowest investment-grade bonds, rated triple-B-minus, went to zero. If they rose to 8 percent, the next lowest-rated bonds, rated triple-B, went to zero. At that moment--in November 2005--Greg Lippmann realized that he didn't mind owning a pile of credit default swaps on subprime mortgage bonds. They weren't insurance; they were a gamble; and he liked the odds. He wanted to be short.

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