How is this not Terrorism?

Mere minutes ago, I read about the shooting and death of third term Congresswoman, Rep. Gabrielle Giffords at a Tucson grocery store. She was trying to meet with voters; her last tweet invited people to come see and talk to her. She was a Democrat who supported health insurance reform and voted for last term’s bill. She won her last election by a narrow margin, and is the only member of Congress married to an active military officer (he was also an astronaut). Recently, her office was vandalized; she and several members of Congress have received threats over the health insurance reform bill that was passed last session.

Princeton University defines terrorism as “the calculated use of violence (or the threat of violence) against civilians in order to attain goals that are political or religious or ideological in nature; this is done through intimidation or coercion or instilling fear.” Dictionary.com‘s first definition is “the use of violence and threats to intimidate or coerce, esp. for political purposes.”

This woman was shot at the grocery store. Why? Because she was a supporter of health insurance reform? Because she was a damn broad woman in a position of political authority?

I’m going to make this very clear: she was killed for political purposes, and that is terrorism. But you won’t see the assassin prosecuted for terrorism, just murder. And you won’t see any admission by the Powers That Be that non-brown or non-Muslims could possibly commit terrorism because then we would have to address what really causes terrorism. And you certainly won’t see full-body scanners going in at the grocery store or the mall, because then we would all understand what security theatre is all about.

Update: I had forgotten about this. Funny, I hear it’s been taken down from Sarah Palin’s site!

In Closing: public option would cut the deficit; on unemployment and employment (oof); ok, 41% seems high to me, maybe we should reduce unwanted pregnancies; and bats in blankets.

Revisiting the BAMTOR Principle

Banks Always Make Their Own Rules, and this has been a banner week for demonstrating it!

You’ve heard of course about the lady who arrived at her second home to discover new locks and all her stuff missing, including her late husband’s ashes, right?

What about Deutsche Bank agreeing to pay a bunch of fines for helping wealthy Americans dodge their taxes?

Arizona and Nevada are both suing Bank of America over loan adjustments, and the Nevada AG has evidence that B of A has engaged in massive deceptive trade practices.

In California, Wells Fargo has been forced to admit that “pick a payment” was a bad idea and strongarmed into modifying a whopping 15,000 homeowners (sounds much more impressive if you say $2 billion in mortgages, doesn’t it?).

Meanwhile, the federal agencies that should be regulating the banks and protecting the citizens are protecting the banks from the citizens. The Federal Reserve has actually blocked new foreclosure regulations.

Even MarketWatch suggests that the banks have pulled on over on all of us.

We don’t just need rules for Big Banks, we need them to be forced to follow the law. Put a few bankers in jail, and I imagine the rest will be more likely to resist criminal activity.

In Closing: less American Pie; when Pat Robertson says to decriminalize pot, you know the War on Drugs is a failure; duh; security threat; Schneier; look, there’s never going to be a “get out of the security line free” card, so stop wishing for one!; gee, whoda thought?; good idea, wish somebody thought of it during the Clinton Administration; and idiot motorists drove through wet cement, getting stuck and delaying a project that would have been open in time for Christmas until probably Easter. Hope they’re real proud of themselves.

Har Har Hardy Har Har

Today I was forwarded a hilarious item called “Classes for Women at the Adult Learning Center.” In it were such gems as the following:

  • Up in Winter, Down in Summer – How to Adjust a Thermostat
  • Is It Possible To Drive Past a Wal-Mart Without Stopping?
  • Fundamental Differences Between a Purse and a Suitcase–Pictures and Explanatory Graphics.
  • How to Ask Questions During Commercials and Be Quiet During the Program
  • How to Parallel Park In Less Than 20 Minutes Without an Insurance Claim.
  • [And my personal favorite,] Health Watch–They Make Medicine for PMS – USE IT!

Oh ho ho! How amusing! Forward to all your guy friends! Try not to spray your monitor with beer!

Well, what’s good for the goose is indeed good for the gander. So in the interest of fairness I would like to flip the brochure over and look at possible classes for men (no offense intended to the many fine gentlemen I know that could easily teach these classes):

  • Toilet Seats: the Three Critical Positions and When to Use Them
  • How to Ask for Directions and Read Manuals (with lab)
  • Etiquette for the Twenty First Century, or How to NOT get Slapped in Bars
  • Psychology Seminar: Just because she’s talking doesn’t mean she wants you to tell her how to solve her problems
  • Freeway Driving: It’s Not a Race to See Who Finishes First
  • [and finally] Sexual Intercourse: It’s Not a Race to See Who Finishes First

Got any suggestions? Put them in comments.

The “it would be funny if it weren’t true” part? Today I had planned a post on the one thing Iran, Somalia, Sudan, Nauru, Palau, Tonga, and the United States have in common: they haven’t seen fit to ratify a treaty saying that women have human rights. Think about that just a moment — Saudi Arabia and Afghanistan have signed on, but the US hasn’t.

In Closing: confessions; caffeine and weapons; throw them in jail; submit or start driving; expert Ezra; back to the grassroots; Arizona boycott is working; obstruction; Advice for Kate Middleton; and skeptical.

In the Shorties of Madness

What’s Your Angle: In what I fervently hope will be the last thing I have to say about Sharron Angle ever, Angle announces that she won’t be answering any questions asked by the pesky [local] media until she is a Senator, darn it. And Channel 8? You are so not invited to her Election Night Party, so there! Listen sweetie, if you don’t want people asking you questions in public, don’t be a public figure.

Let common sense prevail: Did you know that something in your body is very likely subject to a United States Patent? Good thing that big corporations haven’t figured out a way to charge you for that. Anyway, it looks like the United States may revisit the idea that my genes and your genes can be somebody else’s intellectual property.

I keep saying this: sugary drinks are not good for you.

Fail: When trying to steal copper from a vacant home, make sure the power is in fact off first. Oh, and leave the kids at home rather than sitting in the car waiting for you.

They’re mad as hell: and worse yet, they think they have some right to hurt or even kill you if you dare to disagree with them and their vision of a Utopian past-future. I’m beginning to wonder if my “liberal” respect for life — endorsed by the 10 Commandments and Jesus himself! — might need some retooling in the face of reality.

It’s the fraud, stupid: That’s the short version. It’s starting to look like the various state Attorneys General don’t like the BAMTOR Principle and may even hold banks accountable for their criminal actions, even if the SEC merely thinks the law is some sort of a suggestion.

I realize you may never need to know this: Table Etiquette for Formal Dinners in Japan.

This could turn out badly: So most people aren’t willing to relocate for a job anymore. More to the point, they can’t relocate for a job because they can’t sell their house for anything close to what they paid for it (advantage to renters?). At what point will job seekers decide to take the job and walk away from the house they can’t afford without work?

Looking forward to it: a long overdue re-work of Power90, a follow-on to Insanity, and more details on P90X MC2.

Ezra is correct again: Since most people retire because they have to rather than because they want to, raising the retirement age is a really dumb idea.

Urine Drug Tests Must Stop: a woman had her newborn taken away because she foolishly ate a bagel with poppy seeds on it. Why do we tolerate businesses, schools, and government entities making decisions about our lives based on such an inaccurate test?

Bloody Romans: “I don’t get nothin from the government!” Except of course for my mortgage interest deduction, student loans, unemployment insurance, Social Security, VA benefits, Medicare, G.I. Bill benefits….

Clearly deregulation is the answer: after all airlines would surely keep planes in good repair all by themselves if there were no pesky regulations requiring it.

Nothing left for me to say: Comrade E.B. Misfit said it all.

A reason to encourage absentee voting: nobody to harass you at the polls for being too brown.

Hope you are having fun: at the ColbertStewart rally.

Blast from the past: old computer equipment ads.

And last but not least: at least they are honest about it!

So remember to vote this Tuesday if you haven’t already. And remember my handy tip for voter initiatives, just say no.

Oooh! A kitten *and* a ducky!

Heh, I promise, the Latte Economy later today or at worst tomorrow morning.

In Closing: Tony Horton says Soldiers need yoga; mystery trader buys all Europe’s cocoa(!); 10 ways to conserve water; Wall Street Journal whores itself to lets Sharron Angle lie; a follow up, is Dipak Desai competent to stand trial?; Virgin Galactic one step closer to passengers, takes a flight with a crew!; Wacky Arizona (thanks to Brian); FDL notices that banks only follow laws they want to follow; “Link to this“; ghost in the machine at Facebook; geta; and a few words on Social Security.

Mortgapocolypse

Before we get to today’s news, let’s start with a bit of history and background on how banking and lending works. Long ago, the first bankers realized that the odds of everybody wanting their money at the same time were just astronomical. So if they were to lend some of that money out at interest, not only would they profit, but they could pass on a little bit of that interest to depositors, making people want to deposit money with them. Charging of interest is even discussed in the Bible, so we know it happened in Biblical times. This process in fact creates money, so it’s very important to the economy.

But let’s fast-forward to a mythical and highly simplified bank somewhere in America. We’ll call it Bailey Bank. Bailey’s got ten thousand depositors with an average daily balance of $1,000. Simple math says they have roughly $10,000,000 in deposits — small by modern standards but still nothing to sneeze at. The Federal Reserve Bank regulates how much money they need to have on hand, and also says how much needs to be deposited with them for emergency purposes. They still have plenty of money to lend out.

So Bailey makes a few dozen mortgage loans, and lends for a few farms and small businesses too. If they are short on cash, they can borrow money from nearby Potter Bank or from the Federal Reserve, at interest rates set by the Fed. These are the rates that Greenspan used to mess with, and the ones Bernanke can change today, not the rates that banks charge us but the rates they charge one another and the rate that the Fed charges them.

When they came to the point where they didn’t really have more money to lend, they sold a bunch of mortgages to Fannie Mae and Freddie Mac. Fannie and Freddie paid them to be the servicers — sending the bills and collecting the money — and paid Bailey most of the money they would have earned by keeping the mortgage until it was completely paid off. This left Bailey with more money to write more mortgages. But Fannie and Freddie have rules about what they will and won’t buy. So Bailey changed some lending policies to make sure that Fannie and Freddie would buy their loans. There are properties that you almost can’t get a mortgage on because other banks did the same thing.

You already know the sad story of banks being left holding the bag in the foreclosure crisis they created. And maybe you even have seen how banks are driving down property values in your neighborhood by dumping properties at ludicrously low asking prices.

This also left Fannie and Freddie behind the 8-ball, and it may yet cost American taxpayers $1,000,000,000,000 to fix it. Why bother? Because banks have stopped counting on holding mortgages until they mature and count on selling the paper to investors like Fannie and Freddie. Without someone to buy the paper and give banks more money to lend, lending will dry up even more than it already has. And that means almost nobody buys property without cash. It may already be too late to save Fannie and Freddie; they are being delisted from the New York Stock Exchange. It would be polite to say that’s a negative for the stocks.

But there is one ray of sunshine in the mortgage mess: the arrest of Lee Bentley Farkas of mortgage company Taylor, Bean & Whitaker. He and unnamed conspirators are accused of fraud in the TARP program, “misappropriating” $400,000,000, and causing the collapse of Colonial Bank by selling them $1,500,000,000 in bad mortgages. I agree that this prosecution is a good start.

In closing: Arizona still keen to repeal the 14th Amendment even as its schools wonder how to comply with state law; homelessness in America; China owns 13% of the publicly held national debt; some people said I was nuts when I suggested that some religious nuts favored the life of an embryo that couldn’t even become a baby over that of a fully grown woman; terrorist nitwits; and sometimes buttons are better than velcro.

Happy Greenery Day!

Today is Midori No Hi, or Greenery Day. Originally celebrated in late April as the [previous] Emperor’s Birthday, Hirohito-sama’s love of nature prompted the current Emperor Akihito-sama to make it a permanent holiday celebrating the great outdoors. It is part of a “Golden Week” of holidays, so don’t plan on getting anything done with business associates in Japan this week.

Picture taken by the ShortWoman in April of 2007. It’s an Asian pear tree in blossom.

In Closing: Stuff you thought you would never hear the President say; the economy is a very different place depending on whether you are an American family or an American auto manufacturer; Tony Horton is the man (except when Henry Rollins is); the hole this school district is in keeps getting deeper; Would Jesus Be Accepted by the Conservatives?; Airline fees are out of hand; Just a few choice words about BP and the oil disaster in the Gulf; Porn Star saves man from prison; unHappy Mothers Day; look, it’s called the 5th Amendment and it applies to all Americans; Baseball players against racial profiling; Audit the Fed!; and two amusing items, I Shot the Serif and Nunderwear.

Oklahoma Shitbowl

I do try to avoid unnecessary profanity, but what Oklahoma is doing is profane.

Maybe by now you have heard that any woman unfortunate enough to be pregnant in Oklahoma will find great obstacles to her care. For one thing, her doctor is allowed to lie to her about whether he has reason to believe there are fetal anomalies that will become birth defects. After all, she may decide that carrying a baby who will die soon after birth or require expensive, time monopolizing care is not something she wants to do. To some people, that makes her a “selfish slut,” but to most people that makes her “normal.”

Moreover, any woman seeking an abortion in Oklahoma will have to get an ultrasound, look at the pictures, and listen to a description of the embryo or fetus. And fill out a privacy-invading questionnaire. No exceptions for victims of rape, incest, or women who already know there is something seriously wrong with the embryo/fetus.

The ever brilliant (and very sarcastic) Digby points out how this bill will fail:

Sure the dumb bitches can’t be allowed to make their own decisions about taking on a lifetime of care or consider implications for their own health and well being. What the silly little twits don’t know won’t hurt them, right? But you’d think that the important members of society like insurance companies and employers would have a stake in something like this.

Here’s the thing. Failing to note fetal abnormalities on the ultrasound and still billing the insurance company is called fraud. Fraud, unlike medical malpractice, is a criminal offense. Do that to a patient whose care is paid for under a Federal program and it’s a federal crime with federal time. Fine, Doc can’t be sued for malpractice; he can go to prison instead.

Doc is also subject to ethics rules, and those would include telling patients the truth. Doc can lose his license if someone makes an ethics complaint with the state board of medical examiners.

If enough big employers lose enough Edna Employees to the care of severely disabled babies, they will find a way to sue doctors who hid those conditions. After all, big employers often have an entire legal department. And that would fall under general liability rather than med-mal.

So believe it or not, I think the insurance companies will provide the work-around for this. Remember that under the health insurance reform that was just passed, they can’t exclude children with pre-existing conditions. They have a vested interest in preventing severely disabled babies from being in their pool of insureds. What they will do is insist that ultrasounds be done in an independent imaging facility — not the doctor’s office or an affiliated facility — and insist that a full copy of the report be provided both to them and the mother-to-be. This will outrage obstetricians because they make good money on ultrasounds and the equipment is not cheap.

Oh well, maybe they should have objected to this bill before it became law.

In Closing Arizona Update: the smartest thing you are likely to read about illegal immigration this week; let the lawsuits begin; polls, demographics, and the future; boycotts are already underway; even some prominent Republicans think Arizona has gone too far; gee, who could have seen harassment of day laborers coming??; Hispanics vow to fight this law.

In Closing For Real This Time: Tell us what you really think about Goldman Sachs, Barry! (And why doesn’t your blog read like this? Maybe you should dictate your posts); high school graduates going to college rather than competing in the dismal job market, but does anybody really believe that 70% of the jobs that will be available in 4 years needs a college degree?; a security expert from one of the most secure airports in the world calls full-body scanners a waste of money; The Vaccine War; America doesn’t rule the world and shouldn’t be allowed to say what other nation’s product labels can include; reduce the deficit by expanding Medicare; get rid of “too big to fail”; and finally, if you are in a position to do something nice for J.P., please do.

Arizona Follies

I hate to put up a “me too” post of “Arizona’s Papers Pleez Law is Bad mmkay,” so I prefer to consider this a roundup post of things others have said. I’ll start by reminding you that just last week I said “By the way, ‘reasonable suspicion’ means the cop doesn’t like you and/or you’re brown. I don’t think most people appreciate that most people don’t carry proof of citizenship in their pockets….”

So I can’t express any real shock that before the Arizona bill even hit the Governor’s desk, an Arizona trucker was asked to present proof of citizenship at a routine weight stop. Hell, I predicted such things would happen, I just didn’t think it would be a matter of days.

So frankly, it seems obvious for conventions to want to meet someplace other than Arizona, particularly if they have a lot of “brown” people who are planning to attend. After all, the last thing you want is for your attendees or speakers to be detained and possibly deported to unknown places for the “crime” of not slipping a birth certificate in their luggage! Boycotts are already underway, and an interesting array of figures have come out against the bill. Even Mexico is warning its citizens against travel to Arizona, despite the fact that surely Mexican tourists would come armed with legitimate passports.

Arizona authorities even have the unmitigated audacity to ask Federal officials for help training cops to harass Americans suspected of being non-Americans. But then again, this is the land of Bully-in-Chief and perennial civil rights defendant Sheriff Arpaio.

Just the same, it shouldn’t come as any surprise that this whole exercise boils down to race. Specifically, they want to discourage “brown” people from showing up to vote in November. Notice that all this came down right after those Census forms went back? Arizona cronies want the Congressional seats and other goodies that come from having all those Hispanic votes with no risk that those Hispanics will show up and vote… Democratic.

In closing: I am embarrassed for my local paper that they printed this “proof” that women prefer Democrats not because of say, policies that support women’s rights and needs but rather because they are “fickle“; speaking of local issues with national implications, don’t lose track of this lawsuit!; more local-is-national news, Harry Reid gets real; Japanfilter comes to you from the continuing controversy of American troops at Okinawa; loopholes in the health insurance reform bill; Haven’t I been telling you for 7 years that we never really had a recovery from the 2001 recession?; after all these years, rubella is a serious but preventable disease; stricter financial reform now; don’t let political adversaries define the problem you are trying to solve!; 30 years of sticky-notes; PowerPoint has its place, just not on the battlefield; I’m not sure I agree with the idea of a top tax bracket at 90% (which it was pre-Reagan), but it’s an interesting argument; and 6 important things humanity forgot.

Stupid Republican Tricks

Seriously, there has been so much stupid that I don’t know where to start.

I could start close to home with Senate candidate Sue Lowden, who thinks we should be able to barter with our doctors and pay with, for example, chickens!

I could go down the road a bit to Arizona’s new racial profiling illegal immigration law, which “requires state and local police to determine the status of people if there is ‘reasonable suspicion’ that they are illegal immigrants and to arrest people who are unable to provide documentation proving they are in the country legally.” By the way, “reasonable suspicion” means the cop doesn’t like you and/or you’re brown. I don’t think most people appreciate that most people don’t carry proof of citizenship in their pockets — NO a Driver’s License is NOT proof of citizenship! Never has been, shouldn’t ever be.

But wait, maybe that’s what Senator McCain was getting at when he said that illegal immigrants are deliberately causing car accidents! I certainly can’t think of any rational reason that anybody — particularly someone here illegally — would cause accidents. Insurance fraud?? What a dangerous way to make money!

It’s OK though, because Representative Bilbray says a cop can tell if somebody is illegal just by looking at their clothes! So tell me, what exactly is the difference between the shirt I buy at Target and the shirt that an illegal immigrant buys at Target? I don’t want to accidentally get the wrong one. And certainly you’d better not dress up for any ethnic festivals in Arizona without sticking your birth certificate or naturalization papers in your pocket!

Then again I could go to the horse’s mouth — Washington D.C. — and examine the party of NO!’s “Just scrap it and maybe start over” strategy on almost every initiative. Oh, and let’s not forget that it is at least partly thanks to the Republicans that the newly passed health insurance reform bill still allows rescission and still has no way to control wild increases in premiums.

Not that the Democrats are innocent, but certainly no wonder people are “fed up with political incivility.” Anybody who wants to be re-elected had better pay attention to public sentiment now.

In Closing: Freezing a 787 for science; look, putting twins in different homerooms to see which one learns to read better doesn’t prove that reading skills are 82% genetic, just that the teacher and classroom aren’t 100% to blame/praise for the results!; Homelessness, it’s not just for addicts and the mentally ill anymore (sadly, for some people, it’s what’s for dinner); a scathing truth about “successfully” parenting a crowd; high schools preparing kids for college without a thought of preparing them for work; if the Fed is going to print money, do you suppose they could send some my way?; congrats to GM on paying back the TARP money to the Feds; green Navy vessels on the ocean blue; the various watch lists and no-fly lists aren’t just an annoyance, they divert attention from real threats; on long term unemployment; oh waah, companies are having a hard time raising prices; let’s see how far the rotten banking practices extend; and school lunches have officially become a matter of national security.