Utility Provider Quotes

Education develops the intellect; and the intellect distinguishes man from other creatures. It is education that enables man to harness nature and utilize her resources for the well-being and improvement of his life. The key for the betterment and completeness of modern living is education. But, ' Man cannot live by bread alone '. Man, after all, is also composed of intellect and soul. Therefore, education in general, and higher education in particular, must aim to provide, beyond the physical, food for the intellect and soul. That education which ignores man's intrinsic nature, and neglects his intellect and reasoning power can not be considered true education.

All human societies contain inventive people. It’s just that some environments provide more starting materials, and more favorable conditions for utilizing inventions, than do other environments.

Sex is not wrong. Sex is not dirty. Not even sex in a public place with a man you barely know. It's not. Sex is a gift, a built-in human pleasure, something to enjoy and cherish and utilize. Sex rejuvenates. Sex replenishes. Orgasms are just one more miraculous function our body provides, no more shameful than a sneeze or the beating of our hearts. Sex is not dirty, not even in public places with someone you barely know. Liking sex, like a man's hands on me, coming with him, letting him inside me...that doesn't make me dirty.

Operating by trial and error mostly, we've evolved a tacitly agreed upon list of the elements that make for a good fantasy. The first decision the aspiring fantasist must make is theological. King Arthur and Charlemagne were Christians. Siegfried and Sigurd the Volsung were pagans. My personal view is that pagans write better stories. When a writer is having fun, it shows, and pagans have more fun than Christians. Let's scrape Horace's Dulche et utile off the plate before we even start the banquet. We're writing for fun, not to provide moral instruction. I had much more fun with the Belgariad/Malloreon than you did, because I know where all the jokes are. All right, then, for item number one, I chose paganism. (Note that Papa Tolkien, a devout Anglo-Catholic, took the same route.)

In any economic ecosystem whereby things are measured primarily according to their present gross utility; it becomes tolerable and even profitable to create, sell and buy products and services which cause net future harm even as they provide present gross utility. This is why a permaculture economy is superior to every other economic ecosystem.

In our materialistic civilization, man thinks almost exclusively of his own narrow interests. He sees God as the one who ought to provide him with what consumption does not give him. God is utilized to satisfy selfish demands. If he does not answer prayer, they abandon him. Some even go so far as to blaspheme his holy name. The religion that ought to connect heaven and earth then runs the risk of becoming a purely narcissistic space.

it’s called socialism. Or, for those who freak out at that word, like Americans or international capitalist success stories reacting allergically to that word, call it public utility districts. They are almost the same thing. Public ownership of the necessities, so that these are provided as human rights and as public goods, in a not-for-profit way. The necessities are food, water, shelter, clothing, electricity, health care, and education. All these are human rights, all are public goods, all are never to be subjected to appropriation, exploitation, and profit. It’s as simple as that.

By combining supply chains, we maximize space utilized per vehicle, we streamline routes, we remove waste from the system, we do more in less time, and we provide superior value to the businesses in the network.

What is the utility of "body positivity" if it only seeks to provide one with a false sense of confidence rather than to liberate all from that which cages the body?

If we believed that those agencies were appointed by a benevolent Providence as the means of accomplishing wise purposes which could not be compassed if they did not exist, then everything done by mankind which tends to chain up these natural agencies or to restrict their mischievous operation, from draining a pestilential marsh down to curing the toothache, or putting up an umbrella, ought to be accounted impious ; which assuredly nobody does account them, notwithstanding an undercurrent of sentiment setting in that direction which is occasionally perceptible.

If the satisfaction to be derived from each successive increase in wealth is smaller than the satisfaction derived from the previous increase in wealth, then the disutility caused by a loss will always exceed the positive utility provided by a gain of equal size.

If you lead a small business, it's important to understand how to deal with each credit bureau and utilize business credit effectively. Transunion is the superior credit bureau of the three bureaus - Transunion provides quality and comprehensive reports, they have efficient systems, and they have professional and intelligent staff. On the other hand, Equifax is mediocre at best. And Experian is so horrible they're basically worthless.

Big Brother has no interest in well-informed citizens capable of critical thinking. Big Brother wants you to shop at Wal-Mart, where He will control the media that influences your life. The media works with the government and with the large corporations to form mass culture, which is utilized to create public consent, and most folks aren’t even aware of this process as it goes on all around them. Big Brother is actively seeking the complacency of the wage-slaves. Big Brother doesn’t want you to know about the spoken word performances given by Henry Rollins, or Jello Biafra or Terrence McKenna- or a thousand other people- because they will crack your laminate of societal posturing. Big Brother doesn’t want you to know about Bill Hicks, because Brother Bill will provide you with the courage and impetus to spit in Big Brother’s face. The internet is but one facet of our mass-marketed popular culture, and everyone is plugged into it. If you’re reading this, you are a part of it, the internet, one large hive mind, a singular consciousness. And that can be a good thing, but too often, people let themselves slip into it, into this world, to the point where they are no longer able to differentiate between what they think, what they know, and what is thrust upon them. They have no access to their own point of view, or their own spiritual consciousness, for lack of a better way to phrase it. So, to answer your question, in a lengthy and circuitous fashion, I would say that disgust with intellectual sloth, puerile voyeurism and dissent are the primary proponents in my work.

A diagnosis is comforting because it provides a framework—a community, a lineage—and, if luck is afoot, a treatment or cure. A diagnosis says that I am crazy, but in a particular way: one that has been experienced and recorded not just in modern times, but also by the ancient Egyptians, who described a condition similar to schizophrenia in the Book of Hearts, and attributed psychosis to the dangerous influence of poison in the heart and uterus. The ancient Egyptians understood the importance of sighting patterns of behavior. Uterus, hysteria; heart, a looseness of association. They saw the utility of giving those patterns names.

Inheritance is a natural phenomena. Every tree in every forest is first expected to productively utilize the inheritance it receives from prior generations of trees and other life forms. And every tree in every forest is expected to provide an inheritance of new substance created through growth for subsequent generations of trees and other life forms. In ecological systems, there is a correlation between inheritance and growth, each facilitating the other. Economic systems should function in the same way.

Production is carried on for profit, not for use. There is no provision that all those able and willing to work will always be in a position to find employment; an “army of unemployed” almost always exists. The worker is constantly in fear of losing his job. Since unemployed and poorly paid workers do not provide a profitable market, the production of consumers’ goods is restricted, and great hardship is the consequence. Technological progress frequently results in more unemployment rather than in an easing of the burden of work for all. The profit motive, in conjunction with competition among capitalists, is responsible for an instability in the accumulation and utilization of capital which leads to increasingly severe depressions. Unlimited competition leads to a huge waste of labor, and to that crippling of the social consciousness of individuals which I mentioned before.

The data on the economic utility of artists is really, really strong. Artists and entrepreneurs are the same people...and of course entrepreneurs are the people who provide all of the vision for the entire capitalist system. They're absolutely necessary. But conservatives tend to be so blind to art that they can't even see that the artists are the ones who drive the economy forward!

Pure capitalism is great at rewarding the creative utilization of capital by one group of people in service to another according to present gross utility and refined use cases. But pure capitalism does not address the intentional placement of boundaries or the intentional facilitation of productive interactions accounting for net utility and holistic use cases. This is why pure capitalism at times is threatened by or presents threats to a variety of social and ecological ecosystems. And this is why permaculture economics is superior to pure capitalism, as it contains all of the benefits of capitalism plus some benefits that capitalism does not provide .

I use “anticapitalist” because conservative defenders of capitalism regularly say their liberal and socialist opponents are against capitalism. They say efforts to provide a safety net for all people are “anticapitalist.” They say attempts to prevent monopolies are “anticapitalist.” They say efforts that strengthen weak unions and weaken exploitative owners are “anticapitalist.” They say plans to normalize worker ownership and regulations protecting consumers, workers, and environments from big business are “anticapitalist.” They say laws taxing the richest more than the middle class, redistributing pilfered wealth, and guaranteeing basic incomes are “anticapitalist.” They say wars to end poverty are “anticapitalist.” They say campaigns to remove the profit motive from essential life sectors like education, healthcare, utilities, mass media, and incarceration are “anticapitalist.” In doing so, these conservative defenders are defining capitalism. They define capitalism as the freedom to exploit people into economic ruin; the freedom to assassinate unions; the freedom to prey on unprotected consumers, workers, and environments; the freedom to value quarterly profits over climate change; the freedom to undermine small businesses and cushion corporations; the freedom from competition; the freedom not to pay taxes; the freedom to heave the tax burden onto the middle and lower classes; the freedom to commodify everything and everyone; the freedom to keep poor people poor and middle-income people struggling to stay middle income, and make rich people richer. The history of capitalism—of world warring, classing, slave trading, enslaving, colonizing, depressing wages, and dispossessing land and labor and resources and rights—bears out the conservative definition of capitalism.

Inheritance is natural phenomena. Every tree in every forest is first expected to productively utilize the inheritance it receives from prior generations of trees and other life forms. And every tree in every forest is expected to provide an inheritance of new substance created through growth for subsequent generations of trees and other life forms. In ecological systems, there is a correlation between inheritance and growth, each facilitating the other.

Black feminist thought can create a collective identity among African-American women about the dimensions of a Black women's standpoint. Through the process of rearticulation, Black feminist thought can offer African-American women a different view of ourselves and our worlds. By taking the core themes of a Black women's standpoint and infusing them with new meaning, Black feminist thought can stimulate a new consciousness that utilizes Back women's everyday, taken-for-granted knowledge. Rather than raising consciousness, Black feminist thought affirms, rearticulates, and provides a vehicle for expressing in public a consciousness that quite often already exists. More important, this rearticulated consciousness aims to empower African-American women and stimulate resistance.

For the mind depends so much on the temperament and disposition of the bodily organs that, if it is possible to find a means of rendering men wiser and cleverer than they have hitherto been, I believe that it is in medicine that it must be sought. It is true that the medicine which is now in vogue contains little of which the utility is remarkable; but, without having any intention of decrying it, I am sure that there is no one, even among those who make its study a profession, who does not confess that all that men know is almost nothing in comparison with what remains to be known; and that we could be free of an infinitude of maladies both of body and mind, and even also possibly of the infirmities of age, if we had sufficient knowledge of their causes, and of all the remedies with which nature has provided us.

He was regarded merely as an eccentric employee of indifferent merit, and his post of deputy chief clerk was the highest he would ever reach. Well aware of this, he made it a rule never to show any zeal, except in special circumstances. It is true that in these cases his zeal was clothed with a spirit of vengeance directed against the whole human race—this being his second favourite occupation. Petitbidois would have liked to hold the reins of power. This being beyond his sphere, he utilized the small driblets of authority which came his way for the purpose of casting ridicule upon established law and order, by making it act as a sort of unintelligent and, if possible, malicious Providence. 'The world is an idiot place anyway,' he would say, 'so why worry? Life is just a lottery. Let us leave the decision to chance.

Frosh (2002) has suggested that therapeutic spaces provide children and adults with the rare opportunity to articulate experiences that are otherwise excluded from the dominant symbolic order. However, since the 1990s, post-modern and post-structural theory has often been deployed in ways that attempt to ‘manage’ from; afar the perturbing disclosures of abuse and trauma that arise in therapeutic spaces (Frosh 2002). Nowhere is this clearer than in relation to organised abuse, where the testimony of girls and women has been deconstructed as symptoms of cultural hysteria (Showalter 1997) and the colonisation of women’s minds by therapeutic discourse (Hacking 1995). However, behind words and discourse, ‘a real world and real lives do exist, howsoever we interpret, construct and recycle accounts of these by a variety of symbolic means’ (Stanley 1993: 214). Summit (1994: 5) once described organised abuse as a ‘subject of smoke and mirrors’, observing the ways in which it has persistently defied conceptualisation or explanation. Explanations for serious or sadistic child sex offending have typically rested on psychiatric concepts of ‘paedophilia’ or particular psychological categories that have limited utility for the study of the cultures of sexual abuse that emerge in the families or institutions in which organised abuse takes pace. For those clinicians and researchers who take organised abuse seriously, their reliance upon individualistic rather than sociological explanations for child sexual abuse has left them unable to explain the emergence of coordinated, and often sadistic, multi—perpetrator sexual abuse in a range of contexts around the world.

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Some writers, even some poets, become famous public figures, but writers as such have no social status, in the way that doctors and lawyers, whether famous or obscure, have. There are two reasons for this. Firstly, the so-called fine arts have lost the social utility they once had. Since the invention of printing and the spread of literacy, verse no longer has a utility value as a mnemonic, a devise by which knowledge and culture were handed on from one generation to the next, and, since the invention of the camera, the draughtsman and painter are no longer needed to provide visual documentation; they have, consequently, become “pure” arts, that is to say, gratuitous activities. Secondly, in a society governed by the values appropriate to Labor (capitalist America may well be more completely governed by these than communist Russia) the gratuitous is no longer regarded – most earlier cultures thought differently – as sacred, because, to Man the Laborer, leisure is not sacred but a respite from laboring, a time for relaxation and the pleasures of consumption. In so far such a society thinks about the gratuitous at all, it is suspicious of it – artists do not labor, therefore, they are probably parasitic idlers – or, at best, regards it as trivial – to write poetry or paint pictures is a harmless private hobby.

A person can learn at any stage of life. Education requires more than learning how to read a book and write a sentence. What good does it do to read and write if a person lacks the ability to evaluate and judge the truth and falsity of what they read and write? Learning how to speak and argue is of little utility to a person has nothing sensible to say or who argues in favor of falsehoods. Learning how to think is of extremely valuable because it provides the needed contexture to make reading, writing, speaking, and rhetoric useful. Thinking cannot exist in a vacuum. A person must demonstrate the talent to be a proficient observer before thinking is a viable activity.

There is so much going on, but there is so much less of any real value happening. I don’t think that books or fiction in general is as important to the society or culture at large as it was in years gone by- we are the products of what I believe is a decidedly- and purposefully- less literate culture. To utilize a symbol everyone can understand intuitively, Big Brother WANTS you to be stupid- and He wants you to tune in to Joe Millionaire and Friends, to Wife Swap and Dog The Bounty Hunter, and a million other circuitous destinations where He will provide you with examples of precisely how brainless and inane He wants you to be. Stupid is as stupid does. Stupid citizens aren’t a threat to the status quo.

39 It was the same in the other great houses. And all of this was possible because the great monasteries began to utilize a hired labour force, who not only were more productive than the monks had been,40 but also more productive than tenants required to provide periods of compulsory labour. Indeed, these tenants had long since been satisfying their labour obligations by money payments.

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We do not inhabit a perfected world where natural selection ruthlessly scrutinizes all organic structures and then molds them for optimal utility. Organisms inherit a body form and a style of embryonic development; these impose constraints upon future change and adaptation. In many cases, evolutionary pathways reflect inherited patterns more than current environmental demands. These inheritances constrain, but they also provide opportunity. A potentially minor genetic change […] entails a host of complex, nonadaptive consequences. The primary flexibility of evolution may arise from nonadaptive by-products that occasionally permit organisms to strike out in new and unpredictable directions. What “play” would evolution have if each structure were built for a restricted purpose and could be used for nothing else? How could humans learn to write if our brain had not evolved for hunting, social cohesion, or whatever, and could not transcend the adaptive boundaries of its original purpose?

ONE OF THE main differences between standard and behavioral economics involves this concept of “free lunches.” According to the assumptions of standard economics, all human decisions are rational and informed, motivated by an accurate concept of the worth of all goods and services and the amount of happiness (utility) all decisions are likely to produce. Under this set of assumptions, everyone in the marketplace is trying to maximize profit and striving to optimize his experiences. As a consequence, economic theory asserts that there are no free lunches—if there were any, someone would have already found them and extracted all their value. Behavioral economists, on the other hand, believe that people are susceptible to irrelevant influences from their immediate environment (which we call context effects), irrelevant emotions, shortsightedness, and other forms of irrationality (see any chapter in this book or any research paper in behavioral economics for more examples). What good news can accompany this realization? The good news is that these mistakes also provide opportunities for improvement. If we all make systematic mistakes in our decisions, then why not develop new strategies, tools, and methods to help us make better decisions and improve our overall well-being? That’s exactly the meaning of free lunches from the perspective of behavioral economics—the idea that there are tools, methods, and policies that can help all of us make better decisions and as a consequence achieve what we desire.

understand that there are rules to follow if you are to win: 1. The model will provide consistent value to your customers, employees, suppliers, and lenders, beyond what they expect. 2. The model will be operated by people with the lowest possible level of skill. 3. The model will stand out as a place of impeccable order. 4. All work in the model will be documented in Operations Manuals. 5. The model will provide a uniformly predictable service to the customer. 6. The model will utilize a uniform color, dress, and facilities code.

Though designing the house in which modern rational choice/utility/decision theory would inhabit, it is not clear that Ramsey would have chosen to reside there himself. For one thing, while he provided a logic of decision, he did not think that all human action and decision should be crammed into the strictures of rational choice theory, as many economists and social scientists today seem to assume. In his 1928 work in economics, he would make it clear that choosing to maximize utility is a moral decision, one which puts utility before justice and equality.

Occasional Harmfulness of Knowledge.—The utility involved in the unchecked investigation of knowledge is so constantly proved in a hundred different ways that one must remember to include in the bargain the subtler and rarer damage which individuals must suffer on that account. The chemist cannot avoid occasionally being poisoned or burnt at his experiments. What applies to the chemist, is true of the whole of our culture. This, it may be added, clearly shows that knowledge should provide itself with healing balsam against burns and should always have antidotes ready against poisons.

We cannot pick and choose whom among the oppressed it is convenient to support. We must stand with all the oppressed or none of the oppressed. This is a global fight for life against corporate tyranny. We will win only when we see the struggle of working people in Greece, Spain, and Egypt as our own struggle. This will mean a huge reordering of our world, one that turns away from the primacy of profit to full employment and unionized workplaces, inexpensive and modernized mass transit, especially in impoverished communities, universal single-payer health care and a banning of for-profit health care corporations. The minimum wage must be at least $15 an hour and a weekly income of $500 provided to the unemployed, the disabled, stay-at-home parents, the elderly, and those unable to work. Anti-union laws, like the Taft-Hartley Act, and trade agreements such as NAFTA, will be abolished. All Americans will be granted a pension in old age. A parent will receive two years of paid maternity leave, as well as shorter work weeks with no loss in pay and benefits. The Patriot Act and Section 1021 of the National Defense Authorization Act, which permits the military to be used to crush domestic unrest, as well as government spying on citizens, will end. Mass incarceration will be dismantled. Global warming will become a national and global emergency. We will divert our energy and resources to saving the planet through public investment in renewable energy and end our reliance on fossil fuels. Public utilities, including the railroads, energy companies, the arms industry, and banks, will be nationalized. Government funding for the arts, education, and public broadcasting will create places where creativity, self-expression, and voices of dissent can be heard and seen. We will terminate our nuclear weapons programs and build a nuclear-free world. We will demilitarize our police, meaning that police will no longer carry weapons when they patrol our streets but instead, as in Great Britain, rely on specialized armed units that have to be authorized case by case to use lethal force. There will be training and rehabilitation programs for the poor and those in our prisons, along with the abolition of the death penalty. We will grant full citizenship to undocumented workers. There will be a moratorium on foreclosures and bank repossessions. Education will be free from day care to university. All student debt will be forgiven. Mental health care, especially for those now caged in our prisons, will be available. Our empire will be dismantled. Our soldiers and marines will come home.

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After hearing visionaries like Vikram Sarabhai and working at T.E.R.L.S. I began to understand that being self sufficient also meant developing our own technologies and using that for the good of the nation. Our satellites provide many benefits to the ordinary people of the country—from communication to information that is utilized by soldiers, fishermen, farmers, teachers, students and people from almost every walk of life. By making our own rockets that could go into space and put satellites into orbit or touch the surface of the moon or even reach Mars, we have become a nation that is respected for our technological capabilities. Our satellite launch vehicles and facilities bring in valuable revenue when they are used by other countries.

Meanwhile, in Europe, the Renaissance continued, and I began to see the full scope of the Second Insight. The power of the church to define reality was diminishing, and Europeans were feeling as though they were awakening to look at life anew. Through the courage of countless individuals, all inspired by their intuitive memories, the scientific method was embraced as a democratic process of exploring and coming to understand the world in which humans found themselves. This method—exploring some aspect of the natural world, drawing conclusions, then offering this view to others—was thought of as the consensus-building process through which we would be able, finally, to understand mankind’s real situation on this planet, including our spiritual nature. But those in the church, entrenched in Fear, sought to squelch this new science. As political forces lined up on both sides, a compromise was reached. Science would be free to explore the outer, material world, but must leave spiritual phenomena to the dictates of the still-influential churchmen. The entire inner world of experience—our higher perceptual states of beauty and love, intuitions, coincidences, interpersonal phenomena, even dreams—all were, at first, off limits to the new science. Despite these restrictions, science began to map out and describe the operation of the physical world, providing information rich in ways to increase trade and utilize natural resources. Human economic security increased, and slowly we began to lose our sense of mystery and our heartfelt questions about the purpose of life. We decided it was purposeful enough just to survive and build a better, more secure world for ourselves and our children. Gradually we entered the consensus trance that denied the reality of death and created the illusion that the world was explained and ordinary and devoid of mystery. In spite of our rhetoric, our once-strong intuition of a spiritual source was being pushed farther into the background. In this growing materialism, God could only be viewed as a distant Deist’s God, a God who merely pushed the universe into being and then stood back to let it run in a mechanical sense, like a predictable machine, with every effect having a cause, and unconnected events happening only at random, by chance alone.

From this failure to expunge the microeconomic foundations of neoclassical economics from post-Great Depression theory arose the "microfoundations of macroeconomics" debate, which ultimately led to a model in which the economy is viewed as a single utility-maximizing individual blessed with perfect knowledge of the future. Fortunately, behavioral economics provides the beginnings of an alternative vision of how individuals operate in a market environment, while multi-agent modelling and network theory give us foundations for understanding group dynamics in a complex society. These approaches explicitly emphasize what neoclassical economics has evaded: that aggregation of heterogeneous individuals results in emergent properties of the group, which cannot be reduced to the behavior of any "representative individual." These approaches should replace neoclassical microeconomics completely.

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In explaining the way that trivial, if diverting, pursuits like Guitar Hero provide an easy alternative to meaningful work, Horning draws on the writing of political theorist Jon Elster. In his 1986 book An Introduction to Karl Marx, Elster used a simple example to illustrate the psychic difference between the hard work of developing talent and the easy work of consuming stuff: Compare playing the piano with eating lamb chops. The first time one practices the piano it is difficult, even painfully so. By contrast, most people enjoy lamb chops the first time they eat them. Over time, however, these patterns are reversed. Playing the piano becomes increasingly more rewarding, whereas the taste for lamb chops becomes satiated and jaded with repeated, frequent consumption. Elster then made a broader point: Activities of self-realization are subject to increasing marginal utility: They become more enjoyable the more one has already engaged in them. Exactly the opposite is true of consumption. To derive sustained pleasure from consumption, diversity is essential. Diversity, on the other hand, is an obstacle to successful self-realization, as it prevents one from getting into the later and more rewarding stages. “Consumerism,” comments Horning, “keeps us well supplied with stuff and seems to enrich our identities by allowing us to become familiar with a wide range of phenomena—a process that the internet has accelerated immeasurably. . . . But this comes at the expense with developing any sense of mastery of anything, eroding over time the sense that mastery is possible, or worth pursuing.” Distraction is the permanent end state of the perfected consumer, not least because distraction is a state that is eminently programmable. To buy a guitar is to open possibilities. To buy Guitar Hero is to close them. A

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I have deliberately used the word “marvel” to shock the reader out of the complacency with which we often take the working of this mechanism for granted. I am convinced that if it were the result of deliberate human design, and if the people guided by the price changes understood that their decisions have significance far beyond their immediate aim, this mechanism would have been acclaimed as one of the greatest triumphs of the human mind. Its misfortune is the double one that it is not the product of human design and that the people guided by it usually do not know why they are made to do what they do. But those who clamor for “conscious direction”—and who cannot believe that anything which has evolved without design (and even without our understanding it) should solve problems which we should not be able to solve consciously should remember this: The problem is precisely how to extend the span of out utilization of resources beyond the span of the control of any one mind; and therefore, how to dispense with the need of conscious control, and how to provide inducements which will make the individuals do the desirable things without anyone having to tell them what to do.

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The beef cattle industry provides a good example of how a fragmented industry can change in structure. The industry has historically been characterized by a large number of small ranchers grazing cattle on rangelands and transporting them to a meat-packer for processing. Raising cattle has traditionally involved few economies of scale; if anything, there could well be diseconomies of controlling a very large herd and moving it from area to area. However, technological developments have led to the wider use of the feedlot as an alternative process for fattening cattle. Under carefully controlled conditions, the feedlot has proven to be a far cheaper way to put weight on animals. Constructing feedlots requires large capital outlays, though, and there appear to be significant economies of scale in their operation. As a result, some large beef growers, such as Iowa Beef and Monfort, are emerging and the industry is concentrating. These large growers are beginning to be large enough to backward integrate into processing of feeds and to forward integrate into meat processing and distribution. The latter has led to the development of brand names. In this industry the fundamental cause of fragmentation was the production technology utilized for fattening cattle. Once this impediment to consolidation was removed, a process of structural change was triggered which has encompassed many elements of industry structure going far beyond feedlots alone.

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November 7 THE UNDETECTED SACREDNESS OF CIRCUMSTANCES “We know that all things work together for good to those who love God . . . .” Romans 8:28     The circumstances of a saint’s life are ordained of God. In the life of a saint there is no such thing as chance. God by His providence brings you into circumstances that you can’t understand at all, but the Spirit of God understands. God brings you to places, among people, and into certain conditions to accomplish a definite purpose through the intercession of the Spirit in you. Never put yourself in front of your circumstances and say, “I’m going to be my own providence here; I will watch this closely, or protect myself from that.” All your circumstances are in the hand of God, and therefore you don’t ever have to think they are unnatural or unique. Your part in intercessory prayer is not to agonize over how to intercede, but to use the everyday circumstances and people God puts around you by His providence to bring them before His throne, and to allow the Spirit in you the opportunity to intercede for them. In this way God is going to touch the whole world with His saints.     Am I making the Holy Spirit’s work difficult by being vague and unsure, or by trying to do His work for Him? I must do the human side of intercession—utilizing the circumstances in which I find myself and the people who surround me. I must keep my conscious life as a sacred place for the Holy Spirit. Then as I lift different ones to God through prayer, the Holy Spirit intercedes for them.     Your intercessions can never be mine, and my intercessions can never be yours, “. . . but the Spirit Himself makes intercession” in each of our lives (Romans 8:26). And without that intercession, the lives of others would be left in poverty and in ruin.

Different form, same function. Many companies that create blue oceans attract customers from other industries who use a product or service that performs the same function or bears the same core utility as the new one but takes a very different physical form. In the case of Ford’s Model T, Ford looked to the horse-drawn carriage. The horse-drawn carriage had the same core utility as the car: transportation for individuals and families. But it had a very different form: a live animal versus a machine. Ford effectively converted the majority of noncustomers of the auto industry, namely customers of horse-drawn carriages, into customers of its own blue ocean by pricing its Model T against horse-drawn carriages and not the cars of other automakers. In the case of the school lunch catering industry, raising this question led to an interesting insight. Suddenly those parents who make their children’s lunches came into the equation. For many children, parents had the same function: making their child’s lunch. But they had a very different form: mom or dad versus a lunch line in the cafeteria. Different form and function, same objective. Some companies lure customers from even further away. Cirque du Soleil, for example, has diverted customers from a wide range of evening activities. Its growth came in part through drawing people away from other activities that differed in both form and function. For example, bars and restaurants have few physical features in common with a circus. They also serve a distinct function by providing conversational and gastronomical pleasure, a very different experience from the visual entertainment that a circus offers. Yet despite these differences in form and function, people have the same objective in undertaking these three activities: to enjoy a night out.

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The 12 Principles of Permaculture Investing are: 1. Accumulate & Compound Capital: Consistently save and invest to grow your capital base over time, leveraging the power of compound interest. 2. Utilize Capital: Actively deploy your capital into productive investments that generate returns, rather than letting it sit idle. 3. Retain Maximum & Gradiented Liquidity: Maintain a balance between liquid assets (easily accessible cash) and less liquid investments, ensuring you can meet immediate needs while still investing for the long term. 4. Actively Manage Passive: While focusing on passive income sources, actively monitor and adjust your investments to optimize returns and mitigate risks. 5. Prioritize Long-Term Growth: Focus on investments that offer potential for significant growth over the long term, even if they don't provide immediate high yields. 6. Prioritize Consistent Yields: Balance your portfolio with investments that provide reliable, consistent income to support your financial needs. 7. Add Net Value to all Stakeholders: Invest in ways that benefit not only yourself but also the broader community, environment, and all parties involved. 8. Provide Authentic Data: Be transparent and honest in your financial reporting, providing accurate information to all stakeholders. 9. Collect & Utilize Authentic Data: Base your investment decisions on reliable, verified data rather than speculation or rumors. 10. Diversify Holistically: Diversify your investments across different asset classes, industries, and geographical regions to reduce risk and maximize potential returns. 11. Harvest Yields Equitably: Distribute profits fairly among all stakeholders, ensuring everyone benefits from the investment's success. 12. Reinvest Yields in Most Profitable Assets: Continuously evaluate your portfolio and reinvest profits into the most promising opportunities to further compound your growth.

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Modern electrical power distribution technology is largely the fruit of the labors of two men—Thomas Edison and Nikola Tesla. Compared with Edison, Tesla is relatively unknown, yet he invented the alternating electric current generation and distribution system that supplanted Edison's direct current technology and that is the system currently in use today. Tesla also had a vision of delivering electricity to the world that was revolutionary and unique. If his research had come to fruition, the technological landscape would be entirely different than it is today. Power lines and the insulated towers that carry them over thousands of country and city miles would not distract our view. Tesla believed that by using the electrical potential of the Earth, it would be possible to transmit electricity through the Earth and the atmosphere without using wires. With suitable receiving devices, the electricity could be used in remote parts of the planet. Along with the transmission of electricity, Tesla proposed a system of global communication, following an inspired realization that, to electricity, the Earth was nothing more than a small, round metal ball. [...] With $150,000 in financial support from J. Pierpont Morgan and other backers, Tesla built a radio transmission tower at Wardenclyffe, Long Island, that promised—along with other less widely popular benefits—to provide communication to people in the far corners of the world who needed no more than a handheld receiver to utilize it. In 1900, Italian scientist Guglielmo Marconi successfully transmitted the letter "S" from Cornwall, England, to Newfoundland and precluded Tesla's dream of commercial success for transatlantic communication. Because Marconi's equipment was less costly than Tesla's Wardenclyffe tower facility, J. P. Morgan withdrew his support. Moreover, Morgan was not impressed with Tesla's pleas for continuing the research on the wireless transmission of electrical power. Perhaps he and other investors withdrew their support because they were already reaping financial returns from those power systems both in place and under development. After all, it would not have been possible to put a meter on Tesla's technology—so any investor could not charge for the electricity!

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Then, decades later, in the 1970s, a hard-assed U.S. swim coach named James Counsilman rediscovered it. Counsilman was notorious for his “hurt, pain, and agony”–based training techniques, and hypoventilation fit right in. Competitive swimmers usually take two or three strokes before they flip their heads to the side and inhale. Counsilman trained his team to hold their breath for as many as nine strokes. He believed that, over time, the swimmers would utilize oxygen more efficiently and swim faster. In a sense, it was Buteyko’s Voluntary Elimination of Deep Breathing and Zátopek hypoventilation—underwater. Counsilman used it to train the U.S. Men’s Swimming team for the Montreal Olympics. They won 13 gold medals, 14 silver, and 7 bronze, and they set world records in 11 events. It was the greatest performance by a U.S. Olympic swim team in history. Hypoventilation training fell back into obscurity after several studies in the 1980s and 1990s argued that it had little to no impact on performance and endurance. Whatever these athletes were gaining, the researchers reported, must have been based on a strong placebo effect. In the early 2000s, Dr. Xavier Woorons, a French physiologist at Paris 13 University, found a flaw in these studies. The scientists critical of the technique had measured it all wrong. They’d been looking at athletes holding their breath with full lungs, and all that extra air in the lungs made it difficult for the athletes to enter into a deep state of hypoventilation. Woorons repeated the tests, but this time subjects practiced the half-full technique, which is how Buteyko trained his patients, and likely how Counsilman trained his swimmers. Breathing less offered huge benefits. If athletes kept at it for several weeks, their muscles adapted to tolerate more lactate accumulation, which allowed their bodies to pull more energy during states of heavy anaerobic stress, and, as a result, train harder and longer. Other reports showed hypoventilation training provided a boost in red blood cells, allowing athletes to carry more oxygen and produce more energy with each breath. Breathing way less delivered the benefits of high-altitude training at 6,500 feet, but it could be used at sea level, or anywhere. Over the years, this style of breath restriction has been given many names—hypoventilation, hypoxic training, Buteyko technique, and the pointlessly technical “normobaric hypoxia training.” The outcomes were the same: a profound boost in performance.* Not just for elite athletes, but for everyone. Just a few weeks of the training significantly increased endurance, reduced more “trunk fat,” improved cardiovascular function, and boosted muscle mass compared to normal-breathing exercise. This list goes on. The takeaway is that hypoventilation works. It helps train the body to do more with less. But that doesn’t mean it’s pleasant.

It’s a perspective on story that may also shed light on why you and I and everyone else spend a couple of hours each day concocting tales that we rarely remember and more rarely share. By day I mean night, and the tales are those we produce during REM sleep. Well over a century since Freud’s The Interpretation of Dreams, there is still no consensus on why we dream. I read Freud’s book for a junior-year high school class called Hygiene (yes, that’s really what it was called), a somewhat bizarre requirement taught by the school’s gym teachers and sports coaches that focused on first aid and common standards of cleanliness. Lacking material to fill an entire semester, the class was padded by mandatory student presentations on topics deemed loosely relevant. I chose sleep and dreams and probably took it all too seriously, reading Freud and spending after-school hours combing through research literature. The wow moment for me, and for the class too, was the work of Michel Jouvet, who in the late 1950s explored the dream world of cats.32 By impairing part of the cat brain (the locus coeruleus, if you like that sort of thing), Jouvet removed a neural block that ordinarily prevents dream thoughts from stimulating bodily action, resulting in sleeping cats who crouched and arched and hissed and pawed, presumably reacting to imaginary predators and prey. If you didn’t know the animals were asleep, you might think they were practicing a feline kata. More recently, studies on rats using more refined neurological probes have shown that their brain patterns when dreaming so closely match those recorded when awake and learning a new maze that researchers can track the progress of the dreaming rat mind as it retraces its earlier steps.33 When cats and rats dream it surely seems they’re rehearsing behaviors relevant to survival. Our common ancestor with cats and rodents lived some seventy or eighty million years ago, so extrapolating a speculative conclusion across species separated by tens of thousands of millennia comes with ample warning labels. But one can imagine that our language-infused minds may produce dreams for a similar purpose: to provide cognitive and emotional workouts that enhance knowledge and exercise intuition—nocturnal sessions on the flight simulator of story. Perhaps that is why in a typical life span we each spend a solid seven years with eyes closed, body mostly paralyzed, consuming our self-authored tales.34 Intrinsically, though, storytelling is not a solitary medium. Storytelling is our most powerful means for inhabiting other minds. And as a deeply social species, the ability to momentarily move into the mind of another may have been essential to our survival and our dominance. This offers a related design rationale for coding story into the human behavioral repertoire—for identifying, that is, the adaptive utility of our storytelling instinct.

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Trademark Trademark is fundamentally exceptional of a licensed innovation comprising plans, logos, and imprints. Organizations utilize different plans, logos, or words to recognize their items and administrations from others. Those imprints which help in distinctive the item or administrations from others and help the clients in distinguishing their image, quality, and even source of the item is known as Trademark. In contrast to licenses, a brand name is enlisted for a very long time, and from that point, it tends to be recharged for an additional 10 years after an additional installment of reestablishment expenses. Trademark Objection After the enrollment of the brand name, an Examiner/Registrar or outsider can set a trademark objection. As per Section(s) 9 (Absolute Grounds of Refusal) and 11 (Relative Grounds of Refusal) of the Act, these two can be the ground of a complaint:- The application contains wrong data, or Comparable or indistinguishable brand names exist. At whatever point a Trademark enlistment center mentions a criticism, a candidate has an occasion to send a composed answer alongside the strong proof, realities, and reasons why the imprint ought to be assigned to him within 30 days of the protest. On the off chance that the analyst/enlistment center discovers the answer to be adequate and addresses the entirety of his interests in the assessment report and there is no contention, at that point he may give authorization to the candidate to distribute the application in the Trademark diary before enrollment. How to respond to an objection A Trademark assessment report is set up on the Trademark office site alongside the subtleties of the brand name application and a candidate or a specialist has the occasion to send a composed answer which ought to be known as a trademark objection reply. The answer can be submitted as "Answer to the assessment report" either on the web or it tends to be submitted through a post or individual alongside supporting archives or a sworn statement. When the application gets recorded a candidate ought to be given a notification about the protest and ground of the complaint. Different grounds are:- There ought to be a counter assertion of the application, It ought to be recorded within 2 months of the application, On the off chance that the analyst neglects to record a complaint inside the time, at that point the status of the application will be deserted. After recording the counter of a complaint, the enlistment center will call a candidate for the meeting. On the off chance that it rules in the courtesy, at that point, the candidate will get it enrolled, and on the off chance that the answer isn't agreeable, at that point, the application for the enlistment will get dismissed. Trademark Objection Reply Fees Although I have gone through various sites, finding a perfect formal reply is quite difficult. But Professional Utilities provides a perfect reply through experts, also the trademark objection reply fees are really affordable. They provide services for just 1,499/- only.

According to Crystal Evan’s book, Legal Choppa Based on the provided context and intended meaning, the term "legal choppa" could be creatively interpreted to describe someone who is shrewd, resourceful, and innovative in the realm of business and entrepreneurship. It conveys an individual who navigates the legal and regulatory landscape adeptly, utilizing their intellect and cunning to achieve success. This term implies a person who possesses sharp business acumen, strategic thinking, and the ability to seize opportunities within the confines of the law. They demonstrate intelligence and adaptability, consistently finding inventive ways to overcome obstacles and achieve their goals. Just as a helicopter soars above obstacles, a "legal choppa" in the business world rises above challenges, leveraging their knowledge and skills to reach new heights. They embody qualities such as astuteness, ingenuity, and the ability to think outside the box. Note that this interpretation is a creative adaptation of the term "legal choppa" and is not a widely recognized or established definition.

The out-of-state physician may then be eligible to provide care via telemedicine utilizing the physician-to-physician consultation exception described below. If the out-of-state physician agrees to diagnose, counsel, or treat the patient directly, the patient must travel to the state where the physician is licensed, or the physician must obtain a license to practice medicine in the state where the patient is located

Section 13-2921 - Harassment; classification; definition A. A person commits harassment if, with intent to harass or with knowledge that the person is harassing another person, the person: 1. Anonymously or otherwise contacts, communicates or causes a communication with another person by verbal, electronic, mechanical, telegraphic, telephonic or written means in a manner that harasses. 2. Continues to follow another person in or about a public place for no legitimate purpose after being asked to desist. 3. Repeatedly commits an act or acts that harass another person. 4. Surveils or causes another person to surveil a person for no legitimate purpose. 5. On more than one occasion makes a false report to a law enforcement, credit or social service agency. 6. Interferes with the delivery of any public or regulated utility to a person. B. A person commits harassment against a public officer or employee if the person, with intent to harass, files a nonconsensual lien against any public officer or employee that is not accompanied by an order or a judgment from a court of competent jurisdiction authorizing the filing of the lien or is not issued by a governmental entity or political subdivision or agency pursuant to its statutory authority, a validly licensed utility or water delivery company, a mechanics' lien claimant or an entity created under covenants, conditions, restrictions or declarations affecting real property. C. Harassment under subsection A is a class 1 misdemeanor. Harassment under subsection B is a class 5 felony. D. This section does not apply to an otherwise lawful demonstration, assembly or picketing. E. For the purposes of this section, "harassment" means conduct that is directed at a specific person and that would cause a reasonable person to be seriously alarmed, annoyed or harassed and the conduct in fact seriously alarms, annoys or harasses the person. A.R.S. § 13-2921 Section 13-2921.01 - Aggravated harassment; classification; definition A. A person commits aggravated harassment if the person commits harassment as provided in section 13-2921 and any of the following applies: 1. A court has issued an order of protection or an injunction against harassment against the person and in favor of the victim of harassment and the order or injunction has been served and is still valid. 2. The person has previously been convicted of an offense included in section 13-3601. B. The victim of any previous offense shall be the same as in the present offense. C. A person who violates subsection A, paragraph 1 of this section is guilty of a class 6 felony. A person who commits a second or subsequent violation of subsection A, paragraph 1 of this section is guilty of a class 5 felony. A person who violates subsection A, paragraph 2 of this section is guilty of a class 5 felony. D. For the purposes of this section, "convicted" means a person who was convicted of an offense included in section 13-3601 or who was adjudicated delinquent for conduct that would constitute a historical prior felony conviction if the juvenile had been tried as an adult for an offense included in section 13-3601. A.R.S. § 13-2921.01

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None of us likes our electric utility or our cell-phone provider or our cable-broadband company in the way we love Apple or enjoy Ben & Jerry’s ice cream. Behind all of these unpopular institutions and sectors lies a frustrating combination of onerous regulations, quasi-monopolistic franchises (often government sanctioned) or ownership of scarce real estate (radio spectrum, medallions, permits, etc.), and politically powerful special interests.

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For the online investor who wants a ‘hands off’ approach to investing, the Wealth Report provides an economic outlook, trading guide and trade advice for Cash Flow strategies and medium-term positioning.Our focus is on the US equity markets, utilizing stock and option strategies such as Covered Calls for an investment portfolio, and Exchange Traded Funds (ETF’s) which provide exposure to global stocks, indices and commodities.To assist in updating you with global market activity, we provide Financial News in terms of the Weekly Economic Outlook written report at the start of each week, outlining our views of market activity, a revision of the previous weeks’ influences, and a discussion of scheduled events for the coming week.

seemed to have any. Germany, according to Erzberger, was to utilize victory to gain control of the European continent for “all time.” All demands at the peace table were to be based on this premise for which three conditions were necessary: abolition of neutral states at Germany’s borders, the end of England’s “intolerable hegemony” in world affairs, and the breaking up of the Russian colossus. Erzberger envisioned a Confederation of European States analogous to the later Mandates system under the League of Nations. Some states would be under German “guidance”; others, such as Poland and the Baltic group annexed from Russia, would be under German sovereignty for “all time,” with possible representation but no voting power in the Reichstag. Erzberger was not sure which category Belgium would fit into, but in either case Germany was to retain military control over the entire country and over the French coast from Dunkirk down to and including Boulogne and Calais. Germany would also acquire the Briey-Longwy iron basin and Belfort in Upper Alsace which she had failed to take in 1870. She would also take the French and Belgian colonies in Africa. Morocco, curiously enough, was excepted as likely to be too much of a drain on Germany’s strength. No mention was made of England’s colonies, which suggests that Erzberger may have been considering a negotiated settlement with England. In reparations the vanquished nations were to pay at least 10 billion marks for direct war costs, plus enough more to provide veterans’ funds, public housing, gifts to generals and statesmen, and pay off Germany’s entire national debt, thus obviating taxes on the German people for years to come.

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of climate change. What was needed was a massive nudge in the right direction. In the past, the stick of regulation and the rod of taxation were the methods that environmentalists believed could break the fossil fuel economy. But the Inflation Reduction Act doesn’t rely on such punitive tactics, because Manchin culled them from the bill. Instead, it imagined that the United States could become the global leader of a booming climate economy, if the government provided tax credits and subsidies, a lucrative set of incentives. There was a cost associated with the bill. By the Congressional Budget Office’s score, it offered $386 billion in tax credits to encourage the production of wind turbines, solar panels, geothermal plants, and battery storage. Tax credits would reduce the cost of electric vehicles so that they would become the car of choice for Middle America. But $386 billion was an estimate, not a price tag, since the legislation didn’t cap the amount of money available in tax credits. If utilities wanted to build more wind turbines or if demand for electric vehicles surged, the government would keep spending. When Credit Suisse studied the program, it estimated that so many businesses and consumers will avail themselves of the tax credits that the government could spend nearly $800 billion. If Credit Suisse is correct, then the tax credits will unleash $1.7 trillion in private sector spending on green technologies. Within six years, solar and wind energy produced by the US will be the cheapest in the world. Alternative energies will cross a threshold: it will become financially irresponsible not to use them. Even though Joe Biden played a negligible role in the final negotiations, the Inflation Reduction Act exudes his preferences. He romanticizes the idea of factories building stuff. It is a vision of the Goliath of American manufacturing, seemingly moribund, sprung back to life. At the same time that the legislation helps to stall climate change, it allows the United States to dominate the industries of the future. This was a bill that, in the end, climate activists and a broad swath of industry could love. Indeed, strikingly few business lobbies, other than finance and pharma, tried to stymie the bill in its final stages. It was a far cry from the death struggles over energy legislation in the Clinton and Obama administrations, when industry scuppered transformational legislation. The Inflation Reduction Act will allow the United States to prevent its own decline. And not just economic decline. Without such a meaningful program, the United States would have had no standing to prod other countries to respond more aggressively to climate change. It would have been a marginal player in shaping the response to the planet’s greatest challenge. The bill was an investment in moral authority.

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The Australian democracy has come to look upon the State as a vast public utility, whose duty is to provide the greatest happiness for the greatest number... To the Australian the State means collective power at the service of individualistic rights' and therefore he sees no opposition between his individualism and his reliance on governments.!3

Goodsit (1997), for example argued that patients with anorexia nervosa manifest a facade of pseudo- self-sufficiency when confronted with parents who are themselves self-absorbed, anxious, or otherwise unavailable. In this process, the maturation of the anorexic's self-object and self-regulatory capacities are unable to fully develop, leaving them painfully dependent upon others for their well-being. Bulimic patients, in contrast, are seen as more tension-ridden impulsive, and conflicted about whether to pursue their own lives or to remain available to a parent who utilizes them to maintain his or her own psychic equilibrium. In this context, symptoms - whether self-starvation, bingeing, and/or purging - emerge as last-ditch efforts at self-soothing and tension regulation. Over time, eating disorders become chronic conditions that provide patients with a compensatory identity and sense of self.

A popular misconception is that decision analysis is unemotional, dehumanizing, and obsessive because it uses numbers and arithmetic in order to guide important life decisions. Isn’t this turning over important human decisions “to a machine,” sometimes literally a computer — which now picks our quarterbacks, our chief executive officers, and even our lovers? Aren’t the “mathematicizers” of life, who admittedly have done well in the basic sciences, moving into a context where such uses of numbers are irrelevant and irreverent? Don’t we suffer enough from the tyranny of numbers when our opportunities in life are controlled by numerical scores on aptitude tests and numbers entered on rating forms by interviewers and supervisors? In short, isn’t the human spirit better expressed by intuitive choices than by analytic number crunching? Our answer to all these concerns is an unqualified “no.” There is absolutely nothing in the von Neumann and Morgenstern theory — or in this book — that requires the adoption of “inhumanly” stable or easily accessed values. In fact, the whole idea of utility is that it provides a measure of what is truly personally important to individuals reaching decisions. As presented here, the aim of analyzing expected utility is to help us achieve what is really important to us. As James March (1978) points out, one goal in life may be to discover what our values are. That goal might require action that is playful, or even arbitrary. Does such action violate the dictates of either rationality or expected utility theory? No. Upon examination, an individual valuing such an approach will be found to have a utility associated with the existential experimentation that follows from it. All that the decision analyst does is help to make this value explicit so that the individual can understand it and incorporate it into action in a noncontradictory manner.

The Global Plan’s most impressive feature was its incredible adaptability – successive US administrations amended it every time bits of it came unstuck. Their policies toward Japan are an excellent example: after Mao’s unexpected victory, and the demise of the original plan to turn the Chinese mainland into a huge market for Japanese industrial output, US policy makers responded with a variety of inspired responses. First, they utilized the Korean War, turning it into an excellent opportunity to inject demand into the Japanese industrial sector. Secondly, they used their influence over America’s allies to allow Japanese imports freely into their markets. Thirdly, and most surprisingly, Washington decided to turn America’s own market into Japan’s vital space. Indeed, the penetration of Japanese imports (cars, electronic goods, even services) into the US market would have been impossible without a nod and a wink from Washington’s policy makers. Fourthly, the successor to the Korean War, the war in Vietnam, was also enlisted to boost Japanese industry further. A useful by-product of that murderous escapade was the industrialization of South East Asia, which further strengthened Japan by providing it, at long last, with the missing link – a commercial vital zone in close proximity.

Now, the leaders inside the platoon have to actually think—and lead. The terrain, when read, understood, and utilized correctly, provides an unmatched advantage on the battlefield.

As a Marketer (specifically a Digital Marketer) your job is not to prove the operational or fulfillment side of your company wrong by providing so much activity it proves fundamental flaws in the systems, but rather to ensure the activity you are creating is educated, nurtured and that the internal operational systems are in place to support the operational side of your organization so that it can quickly pivot and learn from the data your activity creates. A marketer has to be able to market externally, but also systematically utilize that data to change strategies when and if needed internally. How and what to do with the activity's data is a responsibility that falls with production\fulfillment AND marketing\sales. "I brought you 1,000 inbound leads it's not my fault we couldn't fulfill them" is no longer acceptable.

Gather six to 12 months of checking, savings, and credit card statements, and break your income and expenses down into categories and then line items. I have suggested some here, but add your own as needed. Check to see if your bank or credit card company provides reporting that categorizes charges or lets you assign categories—your work may already be almost done for you: •Income—paychecks, interest, dividends, rents, royalties, business income, pension, social security, child support, spousal support •Housing—mortgage/rent, property taxes, HOA dues, insurance •Utilities—gas, electric, propane, phone, TV/Internet, trash, water/sewer •Food—groceries, dining out •Auto—car payments, gasoline, repairs, insurance •Medical—health insurance, doctor/dentist visits, prescriptions, physical therapy •Entertainment—travel, concerts/shows, sports •Clothing—personal purchases, dry cleaning, uniforms •Personal care—hair/nails, gym/yoga, vitamins/supplements •Miscellaneous—gifts, pets, donations •Children—education, activities, school lunches, childcare You can use a spreadsheet or pen and paper to take note of income and expenses as you go through statements, then calculate a monthly average for each item.