Modern credit card agreements: 29 pages of “tricks and traps”

Elizabeth Warren, the TARP Oversight Chair was on the Rachel Maddow's show discussing the aggressive anti-consumer practices of credit card companies, and warning that the credit card industry is about to try to kill federal efforts to regulate the industry. She reminds us that in 1980 a credit card agreement was only about a page long. Now credit card agreements are 30 pages long, full of "tricks and traps."

MADDOW: Are you worried that the [credit card] industry's going to be about to kill [credit card reform legislation] in the crib? Reporting is that it's their top priority to get rid of it. WARREN: My gosh! I have to tell you, it's like they're stampeding in the halls already in Washington. the Gucci loafers. These guys have built up a huge war chest, they've been interviewing public relations firms to see who can come up with the next Harry And Louise ad to explain to the American people why they're better off with credit cards that nobody can read, hundreds of pages of mortgage documents that nobody can read...the idea is you're better off with how things are...forget all that stuff the happened over the last few years. And we promise to keep things up just like we did before. I just can't believe they're trying to sell that to the American people.
You can read much more on this topic at Jason Linkins' post at Huffpo's new Lobby Blog.

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Planning one’s death at the end of a long illustrious life

Conductor Edward Downes and his wife Joan decided to end their lives on their own terms:

He spent his life conducting world-renowned orchestras, but was almost blind and growing deaf – the music he loved increasingly out of reach. His wife of 54 years had been diagnosed with terminal cancer. So Edward and Joan Downes decided to die together.

Downes – Sir Edward since he was knighted by Queen Elizabeth II in 1991 – and his wife ended their lives last week at a Zurich clinic run by the assisted suicide group Dignitas. They drank a small amount of clear liquid and died hand-in-hand, their two adult children by their side. He was 85 and she was 74.

Many people feel that suicide necessarily cheapens one's life. In many cases, I don't agree. I do think that the choice of when and how to die belongs to each person individually, as long as the decision was not made impulsively or under the influence. If the day comes when I decide that I can't bear the pain, or that I no longer find joy in my life, I would hope that I wouldn't need to travel all the way to Switzerland because inter-meddlers think they know better than me about the meaning of my own life.

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The Missing Past and Short Attention Spans: A Space Odyssey

Stan Lebar worked for Westinghouse in the 1960s. He led the developmental team that produced a state-of-the-art camera for NASA---the camera that was taken to the moon on Apollo 11 and recorded the first moonwalk. Most people have seen those images, many times---grainy, fuzzy black & white pictures of something that looks kind of like an astronaut slowly descending something that kind of looks like a ladder on the side of a large object that we are told is the lander. Whatever. We suffered through these scenes, probably many of us annoyed at the quality, impatient that better pictures weren't available. (Better still pictures became available, shot with specially-made Hasselblads, that remain absolutely stunning in clarity and detail, so made up for the sub par video, at least for some of us.) After all, even Hollywood, using by today's standards primitive technology, could create vastly superior space vistas---compare the images from the 1966 film 2001: A Space Odyssey with the NASA footage from a few years later and you grasp the disappointment. (It has long been my opinion that support for the space program waned because NASA managed to take something as exciting and sexy as space exploration and turn it into the equivalent of a lecture on statistics. The late, great science fiction author Robert A. Heinlein chastised NASA at Congressional hearings for not doing more P.R., better P.R. When he was told that the government didn't do P.R., he had further things to say about campaigns and such like and then pointed out "NASA has a press department, doesn't it? That's the job of the press department." Anyway...) The camera built by Mr. Lebar's team was far superior to the poor images we all saw---and continue to see. The recording medium, however, was incompatible with broadcast television at the time.

Continue ReadingThe Missing Past and Short Attention Spans: A Space Odyssey

Repercussions of Kevin Bacon

I was watching the one hour documentary "How Kevin Bacon Cured Cancer" and thought I'd share a few thoughts. Presumably anyone reading this already knows the principle of "Six Degrees of Separation" and the game involving this actor. My thoughts have nothing to do with the actor, but rather with the field of study that actually emerged from this Urban Myth: Network Theory. One thing that jumped out at me was that network theory appears to neatly show how organization and information growth are necessary results of random connections. In other words, organization Just Happens. This has always been observed. It was historically explained as either the result of very, very sophisticated design, or a "goal" of evolution. But now there is a mathematical model showing that systems become organized because of entropy, not in spite of it. Unfortunately, those who doubt evolution usually never get far enough in math to see this. Another thought I had was in response to the observation that a network becomes efficient given many points (or nodes) with few and local connections, plus a few nodes with many and far-ranging connections. These widely connected nodes are the key to the usual success of the game of six degrees, or the stability of the internet, or the synchrony of crickets, or the efficiency of our nervous system, or any other network. I asked myself, "Given a choice, would I want to be a social node of local, or widespread connections?" I'm not particularly interested in how useful I may be as a connection in a game of Six Degrees, but rather how much fuller is ones life given wider connections. More points of view lead to understanding more ideas. I talk to people in all lines of work, of any political or religious affiliation. I converse to listen. Ideas that conflict with what I "know" are interesting to investigate. (At least until I understand why they conflict, and then they are inflicted repeatedly by those who don't understand the conflict.) Although I am a social stick-in-the-mud, I've met relatives who live on 4 continents, and have visited yet another. I gravitate toward people who also collect people. This blog (for example) has authors from several continents. I have also traveled to a few places, many shown on this "Cities I've Visited" vanity map:

And I am always asking questions, and making connections. I enjoyed the TV series, too.

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Credit where credit is due

I've criticized President Obama for not keeping his campaign pledges to end the faith-based initiative and restore transparency to government, but when he does something right, I'll give him credit where credit is due. So, it's good to see him taking this unapologetically progressive stance on an issue where some reason is badly needed - the precautionary use of antibiotics in animals raised on factory farms:

The Obama administration announced Monday that it would seek to ban many routine uses of antibiotics in farm animals in hopes of reducing the spread of dangerous bacteria in humans. ...In written testimony to the House Rules Committee, Dr. Joshua Sharfstein, principal deputy commissioner of food and drugs, said feeding antibiotics to healthy chickens, pigs and cattle — done to encourage rapid growth — should cease. And Dr. Sharfstein said farmers should no longer be able to use antibiotics in animals without the supervision of a veterinarian.
Feeding massive doses of antibiotics to farm animals enables them to live in crowded, unsanitary and often inhumane conditions. It also encourages the evolution of antibiotic resistance to the dangerous bacteria that inevitably live inside them, and when those bacteria spread through the food chain to humans, the result is outbreaks of virulent, drug-resistant diseases. Having recently seen the movie Food, Inc., it's easy for me to appreciate how serious a threat this is. Antibiotic use, like fossil fuels, have promoted a dangerously unsustainable way of life in our culture. This first attempt may or may not make it past the powerful corporate food lobby - but kudos to the Obama administration for bringing it into the national consciousness in a bold way.

Continue ReadingCredit where credit is due