Vast Insurance Quotes

A NATION'S GREATNESS DEPENDS ON ITS LEADER To vastly improve your country and truly make it great again, start by choosing a better leader. Do not let the media or the establishment make you pick from the people they choose, but instead choose from those they do not pick. Pick a leader from among the people who is heart-driven, one who identifies with the common man on the street and understands what the country needs on every level. Do not pick a leader who is only money-driven and does not understand or identify with the common man, but only what corporations need on every level. Pick a peacemaker. One who unites, not divides. A cultured leader who supports the arts and true freedom of speech, not censorship. Pick a leader who will not only bail out banks and airlines, but also families from losing their homes -- or jobs due to their companies moving to other countries. Pick a leader who will fund schools, not limit spending on education and allow libraries to close. Pick a leader who chooses diplomacy over war. An honest broker in foreign relations. A leader with integrity, one who says what they mean, keeps their word and does not lie to their people. Pick a leader who is strong and confident, yet humble. Intelligent, but not sly. A leader who encourages diversity, not racism. One who understands the needs of the farmer, the teacher, the doctor, and the environmentalist -- not only the banker, the oil tycoon, the weapons developer, or the insurance and pharmaceutical lobbyist. Pick a leader who will keep jobs in your country by offering companies incentives to hire only within their borders, not one who allows corporations to outsource jobs for cheaper labor when there is a national employment crisis. Choose a leader who will invest in building bridges, not walls. Books, not weapons. Morality, not corruption. Intellectualism and wisdom, not ignorance. Stability, not fear and terror. Peace, not chaos. Love, not hate. Convergence, not segregation. Tolerance, not discrimination. Fairness, not hypocrisy. Substance, not superficiality. Character, not immaturity. Transparency, not secrecy. Justice, not lawlessness. Environmental improvement and preservation, not destruction. Truth, not lies. Most importantly, a great leader must serve the best interests of the people first, not those of multinational corporations. Human life should never be sacrificed for monetary profit. There are no exceptions. In addition, a leader should always be open to criticism, not silencing dissent. Any leader who does not tolerate criticism from the public is afraid of their dirty hands to be revealed under heavy light. And such a leader is dangerous, because they only feel secure in the darkness. Only a leader who is free from corruption welcomes scrutiny; for scrutiny allows a good leader to be an even greater leader. And lastly, pick a leader who will make their citizens proud. One who will stir the hearts of the people, so that the sons and daughters of a given nation strive to emulate their leader's greatness. Only then will a nation be truly great, when a leader inspires and produces citizens worthy of becoming future leaders, honorable decision makers and peacemakers. And in these times, a great leader must be extremely brave. Their leadership must be steered only by their conscience, not a bribe.

War can not be avoided until the physical cause for its recurrence is removed and this, in the last analysis, is the vast extent of the planet on which we live. Only thru annihilation of distance in every respect, as the conveyance of intelligence, transport of passengers and supplies and transmission of energy will conditions be brought about some day, insuring permanency of friendly relations.

Information is the currency of the Internet. As a medium, the Internet is brilliantly efficient at shifting information from the hands of those who have it into the hands of those who do not. Often, as in the case of term life insurance prices, the information existed but in a woefully scattered way. (In such instances, the Internet acts like a gigantic horseshoe magnet waved over an endless sea of haystacks, plucking the needle out of each one.) The Internet has accomplished what even the most fervent consumer advocates usually cannot: it has vastly shrunk the gap between the experts and the public.

Where there were once several competing approaches to medicine, there is now only one that matters to most hospitals, insurers, and the vast majority of the public. One that has been shaped to a great degree by the successful development of potent cures that followed the discovery of sulfa drugs. Aspiring caregivers today are chosen as much (or more) for their scientific abilities, their talent for mastering these manifold technological and pharmaceutical advances as for their interpersonal skills. A century ago most physicians were careful, conservative observers who provided comfort to patients and their families. Today they act: They prescribe, they treat, they cure. They routinely perform what were once considered miracles. The result, in the view of some, has been a shift in the profession from caregiver to technician. The powerful new drugs changed how care was given as well as who gave it.

Your life is not guaranteed. My sister is not your insurance. Do not test me and this vast benevolence I am bestowing upon you.

If it takes every cent of my money, every single one of my vast resources, I’ll see to it that you never insure another vehicle again. When I get done with you, you won’t be able to put on roller skates without the Feds breathing down your neck.

After the New Deal, economists began referring to America’s retirement-finance model as a “three-legged stool.” This sturdy tripod was composed of Social Security, private pensions, and combined investments and savings. In recent years, of course, two of those legs have been kicked out. Many Americans saw their assets destroyed by the Great Recession; even before the economic collapse, many had been saving less and less. And since the 1980s, employers have been replacing defined-benefit pensions that are funded by employers and guarantee a monthly sum in perpetuity with 401(k) plans, which often rely on employee contributions and can run dry before death. Marketed as instruments of financial liberation that would allow workers to make their own investment choices, 401(k)s were part of a larger cultural drift in America away from shared responsibilities toward a more precarious individualism. Translation: 401(k)s are vastly cheaper for companies than pension plans. “Over the last generation, we have witnessed a massive transfer of economic risk from broad structures of insurance, including those sponsored by the corporate sector as well as by government, onto the fragile balance sheets of American families,” Yale political scientist Jacob S. Hacker writes in his book The Great Risk Shift. The overarching message: “You are on your own.

War can not be avoided until the physical cause for its recurrence is removed and this, in the last analysis, is the vast extent of the planet on which we live. Only thru annihilation of distance in every respect, as the conveyance of intelligence, transport of passengers and supplies and transmission of energy will conditions be brought about some day, insuring permanency of friendly relations. What we now want most is closer contact and better understanding between individuals and communities all over the earth, and the elimination of that fanatic devotion to exalted ideals of national egoism and pride which is always prone to plunge the world into primeval barbarism and strife. No league or parliamentary act of any kind will ever prevent such a calamity. These are only new devices for putting the weak at the mercy of the strong.

Today, most people in industrial societies don’t need to know much about the natural world in order to survive. What do you really need to know in order to get by as a computer engineer, an insurance agent, a history teacher or a factory worker? You need to know a lot about your own tiny field of expertise, but for the vast majority of life’s necessities you rely blindly on the help of other experts, whose own knowledge is also limited to a tiny field of expertise. The human collective knows far more today than did the ancient bands. But at the individual level, ancient foragers were the most knowledgeable and skilful people in history.

the average forager had wider, deeper and more varied knowledge of her immediate surroundings than most of her modern descendants. Today, most people in industrial societies don’t need to know much about the natural world in order to survive. What do you really need to know in order to get by as a computer engineer, an insurance agent, a history teacher or a factory worker? You need to know a lot about your own tiny field of expertise, but for the vast majority of life’s necessities you rely blindly on the help of other experts, whose own knowledge is also limited to a tiny field of expertise. The human collective knows far more today than did the ancient bands. But at the individual level, ancient foragers were the most knowledgeable and skilful people in history. There

The young girl giggled again and Jake shook his head in amazement. Not only was the U.S. dark operative cooking pancakes, but it seemed he'd won over the timid teenager in no time flat. "I've been entertaining this pretty girl with my vast repertoire of daring and heroic adventures from around the globe." Jake snorted as he opened the refrigerator and pulled out the container of orange juice. "You sound like Blackbeard the pirate. Don't believe a word he says, Alyssa. He's actually Insurance salesman and lies like a rug." "An Insurance salesman?" She narrowed her eyes at Carter as he flipped three pancackes off the electric griddle sitting on the island and onto a plate for her. "I knew you were conning me," she chastised, then rolled her eyes toward Jake. "He said he was a government spy, like James Bond." After filling a glass, Jake smirked at his friend who shrugged his shoulders and gave the girl a sad puppy-dog expression. "Who are you going to believe, me or Jake from State Farm?

it was England that shone as Hamilton’s true lodestar in public finance. Back in the 1690s, the British had set up the Bank of England, enacted an excise tax on spirits, and funded its public debt—that is, pledged specific revenues to insure repayment of its debt. During the eighteenth century, it had vastly expanded that public debt. Far from weakening the country, it had produced manifold benefits. Public credit had enabled England to build up the Royal Navy, to prosecute wars around the world, to maintain a global commercial empire. At the same time, government bonds issued to pay for the debt galvanized the economy, since creditors could use them as collateral for loans. By imitating British practice, Hamilton did not intend to make America subservient to the former mother country, as critics claimed. His objective was to promote American prosperity and self-sufficiency and make the country ultimately less reliant on British capital. Hamilton wanted to use British methods to defeat Britain economically.

Do you condemn the kids for not having been blessed with I.Q.s of 120? Can you condemn the kids? Can you condemn anyone? Can you condemn the colleges that give all you need to pass a board of education examination? Do you condemn the board of education for not making the exams stiffer, for not boosting the requirements, for not raising salaries, for not trying to attract better teachers, for not making sure their teachers are better equipped to teach? Or do you condemn the meatheads all over the world who drift into the teaching profession drift into it because it offers a certain amount of paycheck every month security ,vacation-every summer luxury, or a certain amount of power , or a certain easy road when the other more difficult roads are full of ruts? Oh he’d seen the meatheads, all right; he’d seen them in every education class he’d ever attended. The simpering female idiots who smiled and agreed with the instructor, who imparted vast knowledge gleaned from profound observations made while sitting at the back of the classroom in some ideal high school in some ideal neighborhood while an ideal teacher taught ideal students. Or the men who were perhaps the worst, the men who sometimes seemed a little embarrassed, over having chosen the easy road, the road the security, the men who sometimes made a joke about the women not realizing they themselves were poured from the same streaming cauldron of horse manure. Had Rick been one of these men? He did not believe so…. He had wanted to teach, had honestly wanted to teach. He had not considered the security or the two-month vacation, or the short tours. He had simply wanted to teach, and he had considred taeaching a worth-while profession. He had, in fact, considered it the worthiest profession. He had held no illusions about his own capabilities. He could not paint, or write, or compose, or sculpt, or philopshize deeply, or design tall buildings. He could contribute nothing to the world creatively and this had been a disappointment to him until he’d realized he could be a big creator by teaching. For here were minds to be sculptured, here were ideas to be painted, here were lives to shape. To spend his allotted time on earth as a bank teller or an insurance salesman would have seemed an utter waste to Rick. Women, he had reflected had no such problem. Creation had been given to them as a gift and a woman was self-sufficient within her own creative shell. A man needed more which perhaps was one reason why a woman could never understand a man’s concern for the job he had to do.

century. The most visible legacy of the wealth and splendor generated by the medieval spice trade still dazzles the eye today in Venice, whose grand palazzi and magnificent public architecture were built largely on profits from pepper, cinnamon, nutmeg, mace, and cloves. A hundred pounds of nutmeg, purchased in medieval Alexandria for ten ducats, might easily go for thirty or fifty ducats on the wharves of Venice. Even after payments for shipping, insurance, and customs duties at both ends, profits well in excess of 100 percent were routine; a typical Venetian galley carried one to three hundred tons between Egypt and Italy and earned vast fortunes for the imaginative and the lucky. During the medieval period, a corpulent Croesus was called a “pepper sack,” not a thoroughgoing insult, since the price of a bag of pepper was usually higher than that of a human being.

In other words, the average forager had wider, deeper and more varied knowledge of her immediate surroundings than most of her modern descendants. Today, most people in industrial societies don’t need to know much about the natural world in order to survive. What do you really need to know in order to get by as a computer engineer, an insurance agent, a history teacher or a factory worker? You need to know a lot about your own tiny field of expertise, but for the vast majority of life’s necessities you rely blindly on the help of other experts, whose own knowledge is also limited to a tiny field of expertise. The human collective knows far more today than did the ancient bands. But at the individual level, ancient foragers were the most knowledgeable and skilful people in history. There is some evidence that the size of the average Sapiens brain has actually decreased since the age of foraging.5 Survival in that era required superb mental abilities from everyone. When agriculture and industry came along people could increasingly rely on the skills of others for survival, and new ‘niches for imbeciles’ were opened up. You could survive and pass your unremarkable genes to the next generation by working as a water carrier or an assembly-line worker.

A major portion of the cost of defense against foreign aggression in a laissez-faire society would be borne originally by business and industry, as owners of industrial plants obviously have a much greater investment to defend than do owners of little houses in suburbia. If there were any real threat of aggression by a foreign power, businessmen would all be strongly motivated to buy insurance against that aggression, for the same reason that they buy fire insurance, even though they could save money in the short run by not doing so. An interesting result of this fact is that the cost of defense would ultimately tend to be spread among the whole population, since defense costs, along with overhead and other such costs, would have to be included in the prices paid for goods by consumers. So, the concern that “free riders” might get along without paying for their own defense by parasitically depending on the defenses paid for by their neighbors is groundless. It is based on a misconception of how the free-market system would operate. The role of business and industry as major consumers of foreign-aggression insurance would operate to unify the free area in the face of any aggression. An auto plant in Michigan, for example, might well have a vital source of raw materials in Montana, a parts plant in Ontario, a branch plant in California, warehouses in Texas, and outlets all over North America. Every one of these facilities is important to some degree to the management of that Michigan factory, so it will want to have them defended, each to the extent of its importance. Add to this the concern of the owners and managers of these facilities for their own businesses and for all the other businesses on which they, in turn, depend, and a vast, multiple network of interlocking defense systems emerges. The involvement of the insurance companies, with their diversified financial holdings and their far-flung markets would immeasurably strengthen this defensive network. Such a multiple network of interlocking defense systems is a far cry from the common but erroneous picture of small cities, businesses, and individuals, unprotected by a government, falling one by one before an advancing enemy horde.

Many may not have realized that the New Deal reforms of the 1930s, like the Social Security Act of 1935 (providing old age insurance) and the Wagner Act (protecting workers from labor abuse), excluded the vast majority of black workers—farm laborers and domestics—at the urging of southern white politicians.

The forest, I believe, will stay with Bert as he ages. It is a deep terrain, a place of unending variance and subtle meaning. It is a complete sensory environment, whispering with sounds that nourish rather than enervate, with scents that carry information more significant than 'nasty' or 'nice.' It is different each time you meet it, changing with the seasons, the weather the life cycles of its inhabitants. It is marked by history and mythologies; stories effortlessly spin from its depths. It is safe from the spite of suburban playgrounds, and dangerous in a way that insurance won't indemnify. Dig beneath its soil, and you will uncover layers of life: the frail networks of mycelia, the burrows of animals, the roots of trees. Bring questions into this space and you will receive a reply, though not an answer. Deep terrain offers up multiplicity, forked paths, symbolic meaning. It schools you in compromise, in shifting interpretation. It will mute your rationality and make you believe in magic. It removes time from the clock face and revelas the greater truth of its operation, its circularity and its vastness. It will show you rocks of unfathmoable age and bursts of life so ephemeral that they are barely there. It will show you the crawl of geological ages, the gradual change of the seasons, and the countless micro-seasons that happen across the year. It will demand your knowledge: the kind of knowledge that comes with study. Know it--name it--and it will reward you only with more layers of detail, more frustrating revelations of your own ignorance. A deep terrain is a life's work. It will beguile, nourish, and sustain you through decades, only to finally prove to you, too, are ephemeral compared to the rocks and the trees.

insurance companies are terrible and yes, the two of us are just cogs in a vast healthcare industrial complex that puts profits over people every damn time.

What American Healthcare Can Learn from Italy: Three Lessons It’s easy. First, learn to live like Italians. Eat their famous Mediterranean diet, drink alcohol regularly but in moderation, use feet instead of cars, stop packing pistols and dropping drugs. Second, flatten out the class structure. Shrink the gap between high and low incomes, raise pensions and minimum wages to subsistence level, fix the tax structure to favor the ninety-nine percent. And why not redistribute lifestyle too? Give working stiffs the same freedom to have kids (maternity leave), convalesce (sick leave), and relax (proper vacations) as the rich. Finally, give everybody access to health care. Not just insurance, but actual doctors, medications, and hospitals. As I write, the future of the Affordable Care Act is uncertain, but surely the country will not fall into the abyss that came before. Once they’ve had a taste of what it’s like not to be one heart attack away from bankruptcy, Americans won’t turn back the clock. Even what is lately being called Medicare for All, considered to be on the fringe left a decade ago and slammed as “socialized medicine,” is now supported by a majority of Americans, according to some polls. In practice, there’s little hope for Italian lessons one and two—the United States is making only baby steps toward improving its lifestyle, and its income inequality is worse every year. But the third lesson is more feasible. Like Italy, we can provide universal access to treatment and medications with minimal point-of-service payments and with prices kept down by government negotiation. Financial arrangements could be single-payer like Medicare or use private insurance companies as intermediaries like Switzerland, without copying the full Italian model of doctors on government salaries. Despite the death by a thousand cuts currently being inflicted on the Affordable Care Act, I am convinced that Americans will no longer stand for leaving vast numbers of the population uninsured, or denying medical coverage to people whose only sin is to be sick. The health care genie can’t be put back in the bottle.

The forest, I believe, will stay with Bert as he ages. It is a deep terrain, a place of unending variance and subtle meaning. It is a complete sensory environment, whispering with sounds that nourish rather than enervate, with scents that carry information more significant than “nasty” or “nice.” It is different each time you meet it, changing with the seasons, the weather, the life cycles of its inhabitants. It is marked by history and mythologies; stories effortlessly spin from its depths. It is safe from the spite of suburban playgrounds, and dangerous in a way that insurance won’t indemnify. Dig beneath its soil, and you will uncover layers of life: the frail networks of mycelia, the burrows of animals, the roots of trees. Bring questions into this space and you will receive a reply, though not an answer. Deep terrain offers up multiplicity, forked paths, symbolic meaning. It schools you in compromise, in shifting interpretation. It will mute your rationality and make you believe in magic. It removes time from the clock face and reveals the greater truth of its operation, its circularity and its vastness. It will show you rocks of unfathomable age and bursts of life so ephemeral that they are barely there. It will show you the crawl of geological ages, the gradual change of the seasons, and the countless micro-seasons that happen across the year. It will demand your knowledge: the kind of knowledge that’s experiential, the kind of knowledge that comes with study. Know it—name it—and it will reward you only with more layers of detail, more frustrating revelations of your own ignorance. A deep terrain is a life’s work. It will beguile, nourish, and sustain you through decades, only to finally prove that you, too, are ephemeral compared to the rocks and the trees.

War can not be avoided until the physical cause for its recurrence is removed and this, in the last analysis, is the vast extent of the planet on which we live. Only thru annihilation of distance in every respect as, the conveyance of intelligence, transport of passengers and supplies and transmission of energy will conditions be brought about some day, insuring permanency of friendly relations. What we now want most is closer contact and better understanding between individuals and communities all over the earth, and the elimination of that fanatic devotion to exalted ideals of national egoism and pride which is always prone to plunge the world into primeval barbarism and strife. No league or parliamentary act of any kind will ever

The receptionist nods, silently acknowledging that yes, insurance companies are terrible and yes, the two of us are just cogs in a vast healthcare industrial complex that puts profits over people every damn time.

Neil’s feet were still numb from the frostbite. Long exposure up high, sat waiting in the snow for all those hours at the Balcony, had taken their toll. At base camp, we bandaged them up, kept them warm, and purposefully didn’t discuss the very real prospect of him losing his toes. He didn’t need to be told that he was unlikely ever to feel them again properly. Either way, we realized that the best option for them was to get him proper medical attention and soon. There was no way he was going to be walking anywhere with his feet bandaged up like two white balloons. We needed an air-evacuation. Not the easiest of things in the thin air of Everest’s base camp. The insurance company said that at dawn the next day they would attempt to get him out of there. Weather permitting. But at 17,450 feet we really were on the outer limits of where helicopters could fly. True to their word, at dawn we heard the distant rotors of a helicopter, far beneath us in the valley. A tiny speck against the vast rock walls on either side. In a matter of sixty short minutes, that thing could whisk Neil away to civilization, I thought. Hmm. My goodness, that was a beautiful prospect. Somehow I had to get on that chopper with him. I packed in thirty seconds flat, everything from the past three months. I taped a white cross onto my sleeve, and raced out to where Neil was sat waiting. One chance. What the heck. Neil shook his head at me, smiling. “God, you push it, Bear, don’t you?” he shouted over the noise of the rotors. “You’re going to need a decent medic on the flight,” I replied, with a smile. “And I’m your man.” (There was at least some element of truth in this: I was a medic and I was his buddy--and yes, he did need help. But essentially I was trying to pull a bit of a fast one.) The pilot shouted that two people would be too heavy. “I have to accompany him at all times,” I shouted back over the engine noise. “His feet might fall off at any moment,” I added quietly. The pilot looked back at me, then at the white cross on my sleeve. He agreed to drop Neil somewhere down at a lower altitude, and then come back for me. “Perfect. Go. I’ll be here.” I shook his hand firmly. Let’s just get this done before anyone thinks too much about it, I mumbled to myself.

There were other important reasons for the growth of American individualism at the expense of community in the second half of the twentieth century besides the nature of capitalism. The first arose as an unintended consequence of a number of liberal reforms of the 1960s and 1970s. Slum clearance uprooted and destroyed many of the social networks that existed in poor neighborhoods, replacing them with an anonymous and increasingly dangerous existence in high-rise public housing units. “Good government” drives eliminated the political machines that at one time governed most large American cities. The old, ethnically based machines were often highly corrupt, but they served as a source of local empowerment and community for their clients. In subsequent years, the most important political action would take place not in the local community but at higher and higher levels of state and federal government. A second factor had to do with the expansion of the welfare state from the New Deal on, which tended to make federal, state, and local governments responsible for many social welfare functions that had previously been under the purview of civil society. The original argument for the expansion of state responsibilities to include social security, welfare, unemployment insurance, training, and the like was that the organic communities of preindustrial society that had previously provided these services were no longer capable of doing so as a result of industrialization, urbanization, decline of extended families, and related phenomena. But it proved to be the case that the growth of the welfare state accelerated the decline of those very communal institutions that it was designed to supplement. Welfare dependency in the United States is only the most prominent example: Aid to Familles with Dependent Children, the depression-era legislation that was designed to help widows and single mothers over the transition as they reestablished their lives and families, became the mechanism that permitted entire inner-city populations to raise children without the benefit of fathers. The rise of the welfare state cannot be more than a partial explanation for the decline of community, however. Many European societies have much more extensive welfare states than the United States; while nuclear families have broken down there as well, there is a much lower level of extreme social pathology. A more serious threat to community has come, it would seem, from the vast expansion in the number and scope of rights to which Americans believe they are entitled, and the “rights culture” this produces. Rights-based individualism is deeply embedded in American political theory and constitutional law. One might argue, in fact, that the fundamental tendency of American institutions is to promote an ever-increasing degree of individualism. We have seen repeatedly that communities tend to be intolerant of outsiders in proportion to their internal cohesiveness, because the very strength of the principles that bind members together exclude those that do not share them. Many of the strong communal structures in the United States at midcentury discriminated in a variety of ways: country clubs that served as networking sites for business executives did not allow Jews, blacks, or women to join; church-run schools that taught strong moral values did not permit children of other denominations to enroll; charitable organizations provided services for only certain groups of people and tried to impose intrusive rules of behavior on their clients. The exclusiveness of these communities conflicted with the principle of equal rights, and the state increasingly took the side of those excluded against these communal organizations.

Let the fortifications of the sea-coasts and the fleets of battle-ships and cruisers on the ocean be commensurate with the vast national interests and honor intrusted to their protection and defense; let the standing army be sufficient to discharge the duties which require long and scientific education and training, and to serve as models and instructors for the millions of young citizens: then will the United States, by being always ready for war, insure to themselves all the blessings of peace, and this at a cost utterly insignificant in comparison with the cost of one great war.

In other words, the average forager had wider, deeper and more varied knowledge of her immediate surroundings than most of her modern descendants. Today, most people in industrial societies don’t need to know much about the natural world in order to survive. What do you really need to know in order to get by as a computer engineer, an insurance agent, a history teacher or a factory worker? You need to know a lot about your own tiny field of expertise, but for the vast majority of life’s necessities you rely blindly on the help of other experts, whose own knowledge is also limited to a tiny field of expertise. The human collective knows far more today than did the ancient bands. But at the individual level, ancient foragers were the most knowledgeable and skilful people in history.

It is common for one party to a transaction to have better information than another party. In the parlance of economists, such a case is known as an information asymmetry. We accept as a verity of capitalism that someone (usually an expert) knows more than someone else (usually a consumer). But information asymmetries everywhere have in fact been gravely wounded by the Internet. Information is the currency of the Internet. As a medium, the Internet is brilliantly efficient at shifting information from the hands of those who have it into the hands of those who do not. Often, as in the case of term life insurance prices, the information existed but in a woefully scattered way. (In such instances, the Internet acts like a gigantic horseshoe magnet waved over an endless sea of haystacks, plucking the needle out of each one.) The Internet has accomplished what even the most fervent consumer advocates usually cannot: it has vastly shrunk the gap between the experts and the public. The Internet has proven particularly fruitful for situations in which a face-to-face encounter with an expert might actually exacerbate the problem of asymmetrical information—situations in which an expert uses his informational advantage to make us feel stupid or rushed or cheap or ignoble. Consider a scenario in which your loved one has just died and now the funeral director (who knows that you know next to nothing about his business and are under emotional duress to boot) steers you to the $8,000 mahogany casket. Or consider the automobile dealership: a salesman does his best to obscure the car’s base price under a mountain of add-ons and incentives. Later, however, in the cool-headed calm of your home, you can use the Internet to find out exactly how much the dealer paid the manufacturer for that car. Or you might just log on to TributeDirect.com and buy that mahogany casket yourself for only $3,595, delivered overnight.

government in the lives of white citizens has often been made invisible and has left distortions as to how each group got to where they are, allowing resentments and rivalries to fester. Many may not have realized that the New Deal reforms of the 1930s, like the Social Security Act of 1935 (providing old age insurance) and the Wagner Act (protecting workers from labor abuse), excluded the vast majority of black workers—farm laborers and domestics—at the urging of southern white politicians.

The hand of government in the lives of white citizens has often been made invisible and has left distortions as to how each group got to where they are, allowing resentments and rivalries to fester. Many may not have realized that the New Deal reforms of the 1930s, like the Social Security Act of 1935 (providing old age insurance) and the Wagner Act (protecting workers from labor abuse), excluded the vast majority of black workers—farm laborers and domestics—at the urging of southern white politicians.

The employment of the strategic bombers in the weeks preceding D-Day, and afterwards in support of the armies in Normandy, may today seem cautious and unimaginative. But it was vital insurance, and reflected a perfectly logical view of strategic priorities by the Combined Chiefs of Staff. Overlord had to succeed. Bomber Command and the USAAF were directed to do all in their power to see that it did so, and worked to that end with courage, dedication and professionalism. If their leaders were heard with insufficient respect in the councils of war, they had only their own vast errors of judgement of the past to blame. It is an indulgence of historians and armchair critics to pretend that, in the spring of 1944, there was a better way.

The Italians, who have been “guest workers” at many times and in many countries, are thrown by the phenomenon happening in their own country. During this second summer at Bramasole, the newspapers are tolerant to indignant about Albanians literally washing up on the shores of southern Italy. Living in San Francisco, a city where immigrants arrive daily, we cannot get excited about their problem. Americans in cities have realized that migrations are on the increase; that the whole demographic tapestry is being rewoven on a vast scale in the late twentieth century. Europe is having a harder time coming to grips with this fact. We have our own poor, they tell us incredulously. Yes, we say, we do, too. Italy is amazingly homogeneous; it is rare to see a black or Asian face in Tuscany. Recently, Eastern Europeans, finding the German work force at last full of people like themselves, began arriving in this prosperous part of northern Italy. Now we understood Alfiero’s estimate for the work. Instead of paying the normal Italian twenty-five thousand to thirty thousand lire per hour, he is able to pay nine thousand. He assures us they are legal workers and are covered by his insurance. The Poles are pleased with the hourly wage; at home, before the factory went kaput, they barely earned that much in a day.

In other words, the average forager had wider, deeper and more varied knowledge of her immediate surroundings than most of her modern descendants. Today, most people in industrial societies don’t need to know much about the natural world in order to survive. What do you really need to know in order to get by as a computer engineer, an insurance agent, a history teacher or a factory worker? You need to know a lot about your own tiny field of expertise, but for the vast majority of life’s necessities you rely blindly on the help of other experts, whose own knowledge is also limited

Given that the monkeys aren’t very smart in the first place, you might assume that any gambling strategy was well beyond their capabilities. In that case, you’d expect them to prefer it when a researcher initially offered them two grapes instead of one. But precisely the opposite happened! Once the monkeys figured out that the two-grape researcher sometimes withheld the second grape and that the one-grape researcher sometimes added a bonus grape, the monkeys strongly preferred the one-grape researcher. A rational monkey wouldn’t have cared, but these irrational monkeys suffered from what psychologists call “loss aversion.” They behaved as if the pain from losing a grape was greater than the pleasure from gaining one. Up to now, the monkeys appeared to be as rational as humans in their use of money. But surely this last experiment showed the vast gulf that lay between monkey and man.

Buffett claimed that the insurance industry has vastly underestimated the full potential of what a super catastrophe could do.

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