Monday, August 25, 2008

Middle Class Part 34: Issues Article 7; Education and Alexis de Tocqueville

It is important to remember that- “Perfect clarity would profit the intellect but damage the will.” - Pascal. If you do not understand why I would ramble on for so long about a topic I can do so little about, perhaps in twenty years, it will come to you. Or maybe, in twenty years if I have forgotten why I have done so, you will be able to remind me. Education is- the Kenyan distance runner suffering from a charley horse- of issues. Its effects are far-reaching as I will demonstrate below. It is tireless and chasing after it with the pace it sets is excruciating. It performs consistently. Surviving the race we run against it takes guts and determination and there is relatively little glory to speak of, because the victory over it that is educational greatness/having graduated, is expected of you. We are beaten even though we have prevailed; as the years go on, it may prove to be the most frustratingly unrecognized Pyrrhic victory of our lives. We stand massaging muscles we didn't even know we had, lamenting the size of the bills we incurred while running our race against a deeply flawed system, itself (the education system) in pain/the Kenyan with the charley horse- for the education system is not healthy enough for it to have escaped our notice. Yeah, yikes. Since the inception of formal education, which probably extends back to some cave-girl putting her hair up using a pterosaur bone and wearing that period’s equivalent of a school-girl outfit (I digress), the marathon that is the issue of education, has gone unresolved. There may be no resolution for this issue. I'll offer up some half-wit's brand of resolutions, but it will likely remain one of the more complex issues to resolve given the entrenchment of unions and a number of important ancillary considerations and viewpoints.

Perfect clarity: Piggy-backing off of the quotation comprising most of the initial sentence above- it would actually profit presidential candidates to know how many homes or properties they own. Likewise, the voter’s will is damaged with incessantly-aired attack ads approved by U.S. senators of a mid-western state that concern how delinquent a democrat has been in paying his taxes in multiple states and in turn, how little the republican pays for room and board for a dwelling in Washington- (see the Norm Coleman and Al Franken ads). Sirs, maybe you should mix in some thoughtful, fruitful discussions on the topics of health care and education and approve those messages. It is clear that plenty of voters do not approve of your methods senate candidates, but not enough of them will escape from their sheepdom to vote for extended party candidate Dean Barkley.

Youth sports: Recently, I paid for and attended, with my son, a weekly city childhood sports participation class. The intent was to teach the young Olympians and hall-of-famers to be, how to kick, catch, throw, and hit various types and sizes of balls with the objective being to prepare them for subsequent sports. My son, who is three-and-a-half, participated about as much as the flies that had been living off the scum at a nearby pond. This lack of participation is expected from a little guy who can lose focus every now and again. The price of the class was $115 for 7- 45 minute sessions. Previous to committing to trying to corral my young lad during these sessions I had been interested in signing him up for a basketball class, for which the price was the same. I said to my wife- "I don’t know if I would pay that much money if James Naismith were teaching the class." Note: Naismith is credited with having invented basketball. If I had not consented to get him enrolled at something at or near that $115 price, he may have passed his entire youth languishing in sports charlatanry, being unable to impress the ladies with his knowledge and abilities at barbecues from now until the end of his days. No one wants that. That ability has served me so well- or not.

Good luck: I found that the city’s early childhood education pamphlet is littered with various programs, from sports classes, ballet, dance, arts and crafts and classes like ‘thumb-sucking avoidance techniques.’ That last one does not currently exist, but if anyone can successfully work with my son on how to avoid the thumb-sucking, there might be $115 in it for you. This approach may be less expensive than my accumulated orthodontist bill several years down the road- just a hunch. Paying for those classes is the obligation and joy of any parent who wants to involve their children in some of the things this world, country and locality have to offer- to introduce them to things that could become their life-long loves, which could help them stay healthy and active. These types of classes are necessary to socialize them with other kids and to teach them sportsmanship, among other things. I could start teaching my daughter to talk to fish while she practices for her international competitive eating contests, but she is nearly two and it may be too late to begin the training. The Chinese start grabbing little boys and girls for gymnastics at three who show any ability to tumble. And clearly mastering the art of eating 50 hot dogs in 12 minutes is something a normal little girl would already be showing a proficiency in. She can barely get half of a Scooby-Doo turkey dog down at this point. I had such high hopes for my little Kobayashi. Yep, I am still talking about education, its costs and the benefits weighed against those costs. A sports education falls under that broad heading.

Perfect segway: Writing about competitive eating as it relates to the sub-topic of education and Alexis de Tocqueville will be my next event . . . er- task. Sorry, watching Michael Phelps make his way through the fortuitous waters (given the number of gold medals and world records) of the Water Cube in Beijing was dizzying. At any rate, education, I would remind people that are only reading the bold text at this point, is the preeminent necessary cost. I first mentioned this in part 8 and put it exactly like this- A college education is the necessary cost that will most determine how obtainable all of the other necessary costs will be. Hard to dispute that, or this: “The data [in an Education Pays 2006 survey] showed a big earnings gap between high school and college graduates. Women, aged 25-34, with bachelor’s degrees “earned 70 percent more than those with high school diplomas . . . [and] that gap was 63 percent, up from 37 percent in 1985” for men. (Key in the Google search “Average College Cost Breaks $30,000” and it will take you to the CNN.com article from October 27, 2006, written by Rob Kelley.) “Full-time workers aged 25-34 with college degrees” Kelley writes, “make an average of $14,000 a year more than those with high school diplomas.”

More from this article:
1) first, the title of the article is misleading- the title only refers to the average private college tuition- not the baseline I am looking for to objectively consider how difficult future generations of middle class kids are going to have it. I don’t need that kind of help to approach a reasonable man’s proof requirements;

2) “as they have for the past 11 years, average college costs rose faster than inflation”

3) “The good news is that the rate of increase at four-year public colleges slowed slightly for the third year in a row – 6.3 percent from a 7.1 percent jump last year (that is such good news- and to think- the average cost of a college degree is only 2.3% more than my cost of living last year instead of 3.1%- and I got one whale of an excellent cost of living bump according to my supervisor). Keep in mind- people actually have more to pay for in terms of necessary costs than just education- like gas, clothes, food, transportation, etc. Consider this- a rickets-ridden savvy ravenous wolverine who has contended that there are mass quantities of vitamin C in your toes tells you that instead of biting off a whole toe this year, for the 11th year in-a-row, he is only going to nibble off a portion of a toe you already no longer have- super news!;

4) “With room and board, four-year public colleges average $12,796 for in-state residents”;

5) Kelley writes about a punk-goth rogue monkey wearing T-shirts in libraries that read “The day you die is the day I smile” and how the monkey was able to give the Tokyo police the slip. Actually, Kelley did not write that article- just making sure you were paying attention. This is a combination of two stories. This one: “Monkey Eludes Net-Wielding Tokyo Police,” an August 20, 2008 Reuters story- http://www.msnbc.msn.com/id/26306410; and this one- I was in the library the other day where some punk-goth young adult, who was apparently still traumatized that because he was holding at a weight that was not conducive to skateboarding, decided to send away for his and hers all-knowing T-shirts (for his pudgy girl buddy had a matching blouse). My first thought after reading the shirt- how omniscient (how will he know). Punk-goth defined- I mentioned the skateboarding thing, but his haircut made him look like he got out of the chair before the woman was done snipping; he wore all black, must have been a janitor somewhere, given his chain of keys; the residual effect of years of excessive makeup applications was also apparent. I see that stuff and sometimes can understand why politicians wouldn’t want to make colleges and universities spend more of their endowment money.

6) “Over the past decade, total student aid, including grants, loan, work-study and tax benefits, increased by 95 percent, adjusted for inflation . . . loans have grown to become a bigger part of aid packages, while grant aid has shrunken . . . loans constitute 51 percent of total aid to graduate and undergraduate students, while grants made up 44 percent.” (Not much funny about that- but these are always included in the litany of facts that go largely undisputed. It is the deductive conclusions I am making with which people are having a problem. Apparently logic is not a course they did well in in college.)

It is a matter of degrees: from an article titled “How to Earn a Degree Without Going Broke” by Mark Silver, October 27, 2006 (just one day after Kelley’s average cost article I refer to above)- Silver provides essentially the same assessment, but extrapolates upon the reason for an education costing so much. Don't forget about the cost of books. I was informed that a young man's books cost him in the neighborhood of $700 for one semester. Those who discount my theory about the dispiriting affect this can have on the middle class, you little David Hume(s) you, making the opposite conclusion- your opinion is a shim in the structure of reason. Get back to me when you have a better foundation not predicated on your hope that all is well. (Note: the price of books is dependent on the type of degree being sought. I was an English major and paid for Bantam publishing classic novels that haven't been altered in hundreds of years. The person I have in mind who paid the amount of $700 is in a bio-medical engineering program where the subject matter is constantly being updated, and in theory- according to the professors, requires that new editions are needed to keep the students up to date.)

Degree investment I: The article- “College Degree Still Worth Investment, Economists Say” by Mike Meyers of the Minneapolis Star Tribune, from June 21, 2006 is far more enlightening and speaks more to my point. Meyers writes that “Lifetime incomes of college grads in today’s dollars average nearly $300,000 more than high school graduates over a 40-year career. And that’s the net benefit, after deducting an average cost of more than $100,000 in tuition, room and board and potential income lost while attending college.” At least the guy said something about “net” benefit- something too many of the expert economists ignore (see part 4). A Princeton University economist cites two factors that back up the claim that the initial reported cost of a college education is not actually what students (or parents of students) pay for an education. This economist states that because of aid, (the article only lists income tax credits as aid) students are paying significantly less. How do they define the word “significantly” at Princeton? Those people at Princeton are at least one spork shy of a successful picnic lunch; aren’t there any practical application folks at Princeton? (see part 24, #9 about taxpaying immigrants).

Degree investment II (the payoff): My wife and I just completed paying off her student loan that has been a $200-a-month bill. We received a Student Loan Interest deduction of $313 on our 2007 tax return. I would not call that “significant.”* Is it worth paying a lot for college now in order to reap the financial benefits later on? Yes, and it would seem to be a number of years, based on the rather large gap in expected earnings of a college graduate and his high school graduating counterpart, before it won’t make economic sense to go to college. However, I would not just focus on the expected earnings of college and high school graduates as the touchstone for determining the overall value of a college degree. If you look at the increasing population and the types of jobs that will be available over the next 50 years, it becomes clear, in my opinion, that for a vast number of them, no college degree will be required.** Aside from nurses, doctors, dentists, electrical engineers, computer software designers, lion tamers and sacrificial virgins with bronchitis in their knees, I don’t know of a lot of jobs that would pay a lot for a college graduate’s services, considering how flooded the marketplace of prospective employees will be. Have you looked at the population numbers lately? Done any math in the area of instructors per 100 students? Come to any conclusions about how many service industry people will be needed as compared to professions that could actually require four year college graduates? In 20 years, if you have a college degree it better be specialized in a market crying out in need for capable employees or a student ready to take on the world will drown in debt. However, I have been told by a number of informed citizens that there will be plenty of occupations that will require a college degree, and reasonably so. I will defer to that quite reasonable opinion and simply watch the percentage of jobs that require a degree in relation to those that don't over the course of the next twenty years.

Dobbs on jobs: On page 112 of “War on the Middle Class” Dobbs writes that in the next decade the greatest demand for workers will be in these areas- waiters and waitresses, janitors, food preparers, cashiers, customer service representatives, retail salespeople. There are only four professions on that list where a college degree would be required and those professions do not completely match the list I buried in the preceding paragraph. I don’t imagine that Dobbs just made up this list without the assistance of at least one expert. So, it makes perfect sense, given that we’ll need so many workers in those areas, to allow in massive numbers of immigrants to fill them when immigrants, in large part, are why we need those jobs filled to begin with. This frustration is the real reason a 56-year-old Milwaukee guy shot his own lawnmower last month. Either that or he had heard that the bottle nose dolphin show was cancelled at the zoo, or that speed-lawnmowing was turned down as a potential future Olympic sport tentatively slated for its inaugural showing at the 2012 London games. (See this- http://edition.cnn.com/2008/CRIME/07/25/mower.madness.ap/index.html. The man, if convicted, could be sentenced to serve 6 years and 3 months in prison, in addition to paying an $11,000 fine. Cripes, we have politicians charged with lewd conduct in airport restrooms treating the legal system like a game of Go Fish and possibly housing disorderly conduct type thoughts in their minds about the butter sculptures at state fairs across the nation. The guy shot his own lawnmower. But let us continue to reform all child rapists. Maybe we aren’t as educated as we think. Sometimes I think the IQ of the kitchen curtains has us beat.

Dobbs on education and its affordability: “The cost of education has outpaced almost every other economic benchmark for more than a generation. (pg. 158 of WMC) Unfortunately, this rising cost of education is paid regardless of a student’s ability to demonstrate knowledge acquired based on that expenditure. I had seen the problems as they equated to the education system for years before having read Dobbs’ book and had seen what peril middle class kids would be in concerning the future of their earnings being tied to their level of education given the likelihood of affording the latter. Here, Dobbs quotes another non-expert, “ ‘We are cheating our low-income and working-class kids. And we’ll have a society where the very well off, the children of the very well off become highly educated, and then the rest of us don’t have those same opportunities.’ Seventy-four percent of all kids in college come from the top one-quarter income group.” With everything trending higher, the cost of education, the number of immigrants, the cost of financing a wedding, the cost of books, of health care, of military entanglements, of Welfare, of pet jackrabbits with a lower sex drive, you can still argue the point that the next generations of middle class kids are not in an economic pickle? We can’t fix all of the issues at once- and neither can all of the geese in the phone booth spread their wings at the same time.

Dobbs’ education basics: Dobbs writes about many of the problem areas in primary education- math and science deficiencies, where America ranks among the most educated countries in the world, the number of high school seniors not qualified to take college level algebra; no child left behind axes to grind; questionable teacher qualifications and barely adequate subsistence teacher wages; estimated graduate and high school dropout rates; those responsible for a school full of students who are misrepresenting their student’s scholastic performances; how much is spent, on average, on students, and how much that cost has gone up over the past three decades; the greater and greater competition from around the world among the educated, for which our American officials allow the sub-contracting of a foreigner’s skills to the detriment of an American student. That portion after the comma in the last clause is my editorial enhancement, not Dobbs’. While I am busy teaching my daughter not to touch her hair after having used it as a spoon to get yogurt in her mouth, I am again reading, on page 163, about California, twenty-fifth in education funding, but “forty-ninth when it comes to student achievement.” Dobbs writes that one Los Angeles high school “has over thirty-eight hundred students, more than double its size in the 1980s. There are more than four times as many students per acre at this school than the state recommends.” If, white and black people are having fewer children (see part 26- it has been reported that whites will be a minority as soon as 2040) who do you think is responsible for the drastic student numbers? Not immigrants per chance? I could quote from any number of pages from this chapter, but I don’t know that the direness would soak in. I have a better chance of keeping my son from attempting to pet a wild coyote that wanders into our yard than of meaningfully delivering Dobbs’ message, courtesy of experts he has had on his show, to people whose ears are as broken as my son’s. My son is 3 ½ and a number of 3 ½ year old boys have broken ears. This is preferable to dealing with adults whose minds are just as broken. (Dobbs has all kinds of facts, dollar amounts and disgust to offer the curious looking for more information; see his chapter on “A Generation of Failure” from WMC pgs. 157-172.)

What have legislators done to help?: Dobbs writes, “The House and Senate cut $12 billion from the Federal Student Loan Program when the Deficit Reduction Act was signed into law on February 8, 2006. They did this even as our middle-class students fall further behind the rest of the world in educational excellence. The law will prevent students from consolidating college loans, while raising the maximum cap on student-loan interest rates to 8.5 percent, further squeezing families faced with rising tuition costs. It’s the largest cut in the history of the Federal Student Loan Program, one of the primary sources of financing for middle-class and working-class kids in this country who want to go to college.” No amount of elaboration or mocking of those who continue to ignore the exigency as I continue to outline it and give it form will do at this point.

An innocent lobbyist group: The teachers unions. Liberals tend to forget that in all of the reams of complaints about powerful interest groups traditionally attributed to conservatives like lobbyist groups for oil, big business and the free market, financial corporations, banks and mortgage companies that promote the corporate welfare agendas we all love,*** there are the equivalent liberal unions serving the same purpose to just as crippling an affect. In the Pantheon of liberal lobbyist groups there is the Sierra Club, many other environmentalist groups, AFL-CIO, Rainbow/Push and dozens of others the average voter wouldn't even think of, and not to be outdone- teacher’s unions. Dobbs writes, “The National Education Association (NEA) represents 2.7 million teachers, and the American Federation of Teachers (AFT) represents another 1.3 million. These unions spend millions of dollars lobbying Washington on behalf of their members.” Dobbs elaborates on the extraordinary amount of money both of those teachers unions spent on lobbying efforts, which never seem to get newer teachers merit-based pay, but rather seem to ensure that the good old boys, the tenured professors continue to milk the system. I have had classes under the direction of professors in college who were barely able to spell Shakespeare anymore; they reminded me of the middle-distance runner at the Olympics who keeps running long after finishing sixth in order to cool down and relax the muscles that never got them anywhere to begin with. The teachers unions are considered some of the strongest in the nation, but I would be shocked if any teacher with less than five years of experience would have much positive to say about their union before it sucks the life out of them, leaves their mind calloused and jaded, which gets them to their tenth year where they can exact revenge upon the hardships they made it through when they were just as ignorant of the system. Would it frustrate anyone to know that in this way- it is just like the climate of a typical legislative community? The young elected representatives come in with their idealistic ways and are fed to the old guard who have been waiting for years to shove their own cash cows through the system and to hell with any greenhorn that gets in the way. Dobbs also expands upon the idea of education money wasted on immigrants who need to be taught English or teachers that need to be taught Spanish; who can keep it all straight? I am busy trying to teach my son not to spit milk all over the floor. (I say again, just read Dobbs’ book, which will be far shorter than reading mine.)

Degrees rising: The article “Price of a University Degree Rises” by Jonathan D. Glater of The New York Times, October 25, 2006, contains similar information as those I have already referenced, but sometimes it is worth knocking someone over the head with the facts. Glater writes- “tuition and feels at public institutions rose more than at any other time in the past 30 years.” Glater quotes the president of the College Board (an expert you might say) that “ ‘Neither student aid funds nor family incomes are keeping pace with college prices.’ ” Another set of words that won’t mean much to those who would continue to deny the existing and increasing problem of how future generations of middle class kids are going to afford a college education- “Although many students do not pay the sticker price, the cost of attending public and private universities has consistently outstripped the rate of inflation. Last year, [2005] the consumer price index, a standard of measure of changes in the cost of goods and services in the United States, rose 3.4 percent. Tuition, fees, room and board have increased this year by more than 5.5 percent at both public and private four-year institutions.” I am looking forward to checking into the Consumer Price Index material when I tackle the economy as a sub-topic. I have an idea that that material will further support my overall point.

Higher degree: Along those same lines- “Because of cost increases, students and their families are increasingly turning to loans. Private loans, which are not guaranteed by the U.S. government, generally have less favorable terms than government loans, but are the fastest-growing option for financing higher education.” And I am sure that those who are in the non-governmental loan business can advertise their types of loans to the masses by stating how popular they’ve become. Ah, they’ve become popular because there aren’t many other choices. The minnows at the bait shop don’t have much of a choice but to be pinned to the hook at the end of a fishing line and to be held captive there until they are eaten, escape, or otherwise show such little life in them that they are set free after they have already died. At this time, you are to consider how lifeless subsequent generations of middle class kids will be after assuming upwards of $20,000 in debt upon graduation, some of whom may not have a reliable vehicle that might get them to a job that will not pay them what is necessary for them to make their way in life.

It’s getting hot in here: “At the same time,” Glater writes, “the average Pell Grant, the U.S. government’s grant to the neediest students, declined last year for the first time in 10 years.” Anyone doubt that trend will continue? “Robert Shireman, executive director of the Project on Student Debt, [another non-expert] said ‘Grant aid has failed to keep pace with the posted tuition charges [and] Income for most American families has stagnated, leaving students and their parents with little choice but to turn to loans.’ ”

Heat wave: Sandy Baum, senior policy analyst at the College Board and a professor of economics, was asked to project changes in tuition, Baum said- “ ‘We predict that it will go up, not down.’ ” But any deductive reasoning should be discontinued at this point in our schedule because we don’t know that for sure- we should seize up and stop thinking about a future that hasn't happened yet, we can worry about that later- when it will still be too late. All is well according to president Bush, who responded that "America doesn't have any problems" when asked by Bob Costas in an NBC studio segment at the Olympics. The president and those of his ilk are like a myopic panda that dies because it never instinctively cared for the taste of bamboo shoots. Mr. President, thousands of homes are being foreclosed upon every month; our student's math and reading skills are faltering in primary schools; sir, you ok’d a $162 billion war fund bill, health care costs will go up again this winter by at least 3-5%, there is no wall built along our southern border; the Sierra Club successfully delays the tearing down and reconstruction of new bridges because an owl species fancies the nostalgic girders and decaying foundations; the airline industry is in shambles; we have a national debt that has climbed well over $9 trillion and you still look like a puppy dog that is hiding its cerebral palsy very well. Sir, it is time for you to leave the office- we have plenty of new hopeful caretakers to blame for our collective predicaments.

As the sub-topic of education is a two part post I will move onto the more historical portion of this sub-topic in order to give it more context. Tolkien did pretty much the same thing in his second novel in “The Lord of the Rings” trilogy- first telling the story of one half of its characters before turning his attention to the other half.

Alexis de Tocqueville

It occurred to me that I have written about 200 single-spaced 10 pt.-sized pages of text on this overall theme, most of it on topic, and have yet to quote a French guy who visited here for nine months taking notes on our societal, economic and political culture. This man conducted a larger scale reconnaissance mission into the ways and means of our Americanness than did Thoreau when he stayed for a couple years at Walden Pond. I am referring to Alexis de Tocqueville. I read “Democracy in America” about ten years ago and found it to be a decent summation of things as they may have been in the 1830s, I’ll have to take his words for it. He wrote a number of passages that might still be applicable today (see below). “Democracy in America” is a socio-political history narrative written rather well by an outsider whose assessments on the tenor of democracy are only slightly more important than his views on the colonization of Algeria and his affiliation with the July monarchy, which actually lasted for 18 years worth of Julys.****

Literally, one of America’s most famous students . . . was a Frenchmen. He was a student of our country. If a black point guard who trains in California can play his Olympic basketball for the Russians, one of America’s most famous students can be French. de Tocqueville wrote “Democracy in America” a 700 page socio-political tome after returning to France in 1833 (published in two volumes in 1835 and 1840); he came here to study the country’s prisons and ended up immersing himself in the signs of the times. But before I romanticize his contributions to the nostalgia of America’s political history, I cannot forget that he either got quite a bit wrong back then, or quite a few things he got right have changed enough to make it look like he never knew what the hell he was writing about to begin with. I am sure he studied our James Madison and perhaps at one time glossed over The Federalist No. 55 wherein Madison wrote: “In all very numerous assemblies, of whatever characters composed, passion never fails to wrest the sceptre from reason. Had every Athenian citizen been a Socrates; every Athenian assembly would still have been a mob.” (pg. 281) And it would have been so whether it was composed of rich or poor men.

French man off the mark:
“ . . . the people directly nominate their representatives and generally choose them annually so as to hold them more completely dependent. So direction really comes from the people, and though the form of government is representative, it is clear that the opinions, prejudices, interests, and even passions of the people can find no lasting obstacles preventing them from being manifest in the daily conduct of society.” (source: Harper Perennial, Edited by J.P. Mayer; Translated by George Lawrence, pg. 173) This is one of de Tocqueville’s trite conclusions that is deeply flawed as we look at it today. It may once actually have been true, but only those dragon-butterflies (candidates) who have borrowed honey from the lips of bees in order to call out like sirens to the voting masses could pretend to consider its merit, for it serves them to play pretend with the truth. Well, that isn’t even true. I have volunteered as an election judge and have been told that Minnesota has nearly 78% of the eligible voting public show up to cast their votes in the general election and at least 90% of those voting will vote for a democrat or republican, so the great majority of voters must believe it to be true as well. I heard from a head election judge that buses of people appeared at a polling location after having been told to vote for a certain candidate. You can't resemble a sheep any more than that unless you have trouble shearing off your own back hair and require help.

Et tu de Tocqueville:
We know that Alexander Hamilton pretended that rich men’s vices were to be preferred over the vices of poor men, perhaps even over poor men’s virtues. We also know that one of Madison’s major goals was to significantly and detrimentally redistribute wealth among the various economic classes. Each of their causes were unsound, and again, I must reiterate the logical resolution lies somewhere between. de Tocqueville fell into a similar problem in considering the import of American politics as it equated to money. I wonder, if de Tocqueville had lived this entire time from his visit here in 1830 until the present day, when he might have considered that the rich were able to wrest with passion the sceptre from the hands of the not as rich.***** Surely he could not contend that the poor still rule this nation today.

I digress . . . go figure:
Since: “Democracy in America” is commonly assigned reading for undergraduates majoring in political or social science (according to Wikipedia), my overall topic is politics, the present sub-topic is education, the theme being studied- the economic future of the middle class (which has to do with money) and de Tocqueville delivered a fair number of somewhat well-phrased thoughts on the subject proper, I thought I might attempt to enrich this post to some degree. What, are jokes about far-sighted cloud rats with desires of fondling women from a distance of 15 meters already too much for you? Heathenish sycophants! Using words on loan from the Frenchman’s famous work, we’ll play a game. If I had the computer skills or software to display the answers following this exercise upside down I would do so, but I imagine this approach will be just as compelling if I reveal my answers right after the assertion- kind of like an open book quiz- quite apropos considering the subject matter. (Ok, this approach would only be compelling to a cricket scientist who has spent his summer conducting research for a National arthropod breast sweat study- just humor me.)

Quote #1:
“Nowadays one may say that the wealthy classes in the United States are almost entirely outside politics and that wealth, so far from being an advantage there, is a real cause of disfavor and an obstacle to gaining power.” (pg. 179) FALSE-may once have been true. I don’t know if I would use the word obstacle . . . since the Olympics are in full swing- let us say- hurdle. Perhaps you have seen with how little effort those who are rich in athletic talent have overcome them, running 400 meters and over ten hurdles in just over 47 seconds?

Quote #2:
“Corruption and incapacity are not common interests capable of linking men in any permanent fashion.” (pg. 233) TRUE-still true. This one just makes me laugh. Of course “permanent” is the operative word. Besides, why would the joining of men together for the purposes of corruption and incapacity in any permanent fashion be so fearful when those types of men can do so much damage at an accelerated pace with a relatively brief connection- say in the course of a four-year term? No elected official serves one term for longer than 6 years; however, plenty of business can be transacted in that time.

Quote #3:
“In the United States, where public officials have no class interest to promote, the general and continuous course of the government is beneficial, although the rulers are often inept and sometimes contemptible.” (pg. 234) FALSE. FALSE. TRUE. Three answers to this one: 1) public officials have always had a class interest to promote; 2) "the general and continuous course of the government" is plenty inexpedient; and 3) plenty of the rulers are inept and contemptible, but so are many of our nation's citizens. Hamilton pretended not know the definition of the word aristocracy (see part 28) and wanted fewer rich men “representing” entire states of poor men. If you are conscious, you can see how much of a class interest public officials promote, albeit this is easier to see the more closely the politicians are affiliated with dealings in our nation's capital. The collection of presidential candidates spent how many hundreds of millions trying to get elected? And the one who is elected will most certainly serve to reimburse those who helped put him in office. For this one, I would actually spank de Tocqueville . . . it would bring up the numbers of white students punished in such a manner so we could say “yeah . . . but” to a story like this- “Study: Minorities More Likely to be Paddled- While Corporal Punishment in Schools is declining, racial disparity persists.” Associated Press, August 19, 2008- http://www.msnbc.msn.com/id/26297991.

Quote #4:
“In the United States, where the poor man rules, the rich have always some fear that he may abuse his power against them.”
“This state of mind among the wealthy may produce a silent discontent, but it creates no violent trouble for society, for the same reason which prevents the rich man from trusting the lawgiver also prevents him from defying his commands. Because he is rich he does not make the law, and because of his wealth he does not dare to break it. Among civilized nations it is generally only those with nothing to lose who revolt.” (pg. 241). FALSE- never true. Firstly, I would state, that no man would buy that the rich have no authority to make laws, nor the gumption to break them, and de Tocqueville should be posthumously embarrassed for that absurdity; secondly, sometimes revolt is the only option remaining after all others have been tried. Among any kind of nation, civilized or barbarian, those who revolt are often those with nothing to lose- de Tocqueville’s hackneyed expression is a waste of words. If a bunch of rich cavemen kept stealing the sabretooth shawls that their middle class brethren had made after hours of tracking the beast in the mud and slaying it with the twentieth thrust of his spear, I imagine the put upon caveman would revolt and I would hardly call him civilized. Civilization has nothing to do with it. It might be said- beware of the man who has just enough to lose- for his actions are difficult to predict. The rich cavemen should suffer the same fate as mid-afternoon mailbox thieves- not a spanking.

The True phrases:
“There is reason for criticizing the elective system, when applied to the head of state, in that it offers so great an attraction to private ambition and so inflames passions in the pursuit of power that often legal means do not suffice them, and men appeal to force when they do not have right on their side.” (pg. 127) Worse than appealing to force, they resort to complicity, the passive-aggressive’s approach. This approach puts the honus on the citizen to prove the politician’s furtive demerits, even should he post some 30-40 times.

“His silence is the most useful service an indifferent speaker can render to the common good.” (pg. 498) Yes, yes, yes, I long ago abdicated the throne of silence to those who look to be offended twice as often as they seek to be objective. If I had been indifferent, you would not have the pleasure of cross-referencing my subject matter, nor of questioning my deductions. Apathy is not my friend.

The False phrases:
“. . . small parties are generally without political faith. As they are not elevated and sustained by lofty purposes, the selfishness of their character is openly displayed in all their actions. They glow with a factitious zeal; their language is violent, but their progress is timid and uncertain. The means they employ are as disreputable as the aim sought.” (pg. 175) “political faith.” Seriously, he went with political faith? He who has political faith is a candidate who always supposes that $1,000 for a plate at a fundraiser is too little a charge for those he’s already wooed into sheepdom. The word- "faith" is nearly synonymous with religion. If ever two more FUBAR(ed) institutions belonged together it is politics and religion. The two combined, if ever truly wed in the legal and spiritual sense, would breed a family of sinners, the likes of which the world has never known. They would be easy to spot- blind, toothless, hypocritical, sanctimonious whores selling your soul for their candidate.

“If ever freedom is lost in America, that will be due to the omnipotence of the majority driving the minorities to desperation and forcing them to appeal to physical force. We may then see anarchy, but it will have come as the result of despotism.” (pg. 260) Which of course is to be preferred over despotism that has come as the result of anarchy; I would be more concerned about the resorting of the majority to a state of passion because of despotism.

The True and False phrases:
“In America most rich men began by being poor; almost all men of leisure were busy in their youth; as a result, at the age when one might have a taste for study, one has not the time; and when time is available, the taste has gone.” (pg. 55) Now, I have not the time, but it is rather a hunger for study than a taste; because it is a hunger, I make the time. Why else would I poor over the pages of de Tocqueville if I didn’t have the time. If “Eternal vigilance is the price of freedom”****** and “Loud Bar Music Makes You Drink More” – http://www.msnbc.msn.com/id/25741296 then imagine what gifted writers can do to a mind not likely to be satiated by even the best prose, whether it is fact or fiction, and even for translated prose written by a foreigner with half the inventiveness of Dickens, Faulkner, Jung, Rousseau or Madison. (Special note: I began by being neither rich nor poor, if it were so, the whole of this diatribe may have been unavailable for your perusal. Lucky you.)

“The people, men say, do not know how themselves to rule but always sincerely desire the good of the state, and their instinct unfailingly tells them who are filled with the same desire and most capable of wielding power . . . When I arrived in the United States I discovered with astonishment that good qualities were common among the governed but rare among the rulers.” (pg. 197) Among some of the governed and plenty of the rulers, I concur. And seeing as this is state fair time- concurring in the form of sarcasm-on-a-stick is my preferred method. Can some dope writing a blog column that is instantly dismissed due to its length, its collage style of writing, its allusions, its delusions, its cross-referencing and its conjecture be considered vigilant? No. Circumspect- yes, but not vigilant. That word is reserved more for people like slaves, people not granted the right to vote, hostages, soldiers, or poor people financially struggling to gain economic independence, such as Will Smith’s character from “The Pursuit of Happyness” a movie I alluded to in part two of this topic.

Remember that- “To deny, to believe, and to doubt well are to a man as the race is to a horse.”- Pascal. Education remains the preeminent dropped baton of issues, (despite what the 4x100 men's and women's American relay teams might say)******* for it has been a problem which separates the haves from the have-nots far longer than has the issue of immigration. The two issues in concert (the unaffordable education and the wave of unchecked immigration) will continue to serve that function in the coming decades . . . even a moron can see that!
______________________________________________________

* I will admit that we have been reimbursed by her employer for $130 of that $200 bill each month in the way of a tuition reimbursement allocation. She is a nurse, a profession for which there is a constant demand. I don’t know that 10% of the professions have a similar arrangement. And as I never began this blog epic with making sure I was better provided for than I already am, based on my own work ethic, this admission is fairly unimportant. I simply like all the cards to be on the table. Also, my wife informs me that the hospital which employs her no longer provides this tuition reimbursement benefit. I am learning new things all of the time. Prior to the Olympics, I would have thought that the uneven bars were a dessert you cut into squares and eat with your hands that contained an excessive amount of coconut proportional to the amount of chocolate.

** In perhaps the longest footnote of my less than prodigious writing career (excepting this topic)- To be fair- I ran across a written account of a speech by president Bush on the occasion of his signing the “College Cost Reduction and Access Act [which] expands one of America’s most important and successful education initiatives—the Federal Pell Grant Program.” Keep in mind- a Federal Pell Grant assists those who can demonstrate financial need, according to the government. It would not assist a middle class kid who, along with his parents, according to the government, is fully capable of paying his way through college. Just like one of my former immediate supervisors, the government is not infallible in the old judgment department; both my former supervisor and the government can micro-manage with the best of them. In this same speech by Bush, who, it might be pointed out, is sans a complete handle on reality, says this- “According to one study, 80 percent of the fastest-growing jobs in America require some sort of education after high school.” The key words are “some sort”. I have an English major which would barely qualify me to manage a Cinnabon. Virtually nothing I learned in college has transferred into my present occupation. College teaches you to think, how to think, and sometimes, unfortunately, what to think, but its overall affect on the aborted adult who leaves with a degree is continually vastly overstated. I am not saying that a degree is overrated for someone entering the workforce, but rather that an employer is the one who overrates it. My wife is an excellent obstetrics nurse and told me that very little of what she learned in school prepared her for her work. The second result of a Google search for “number of jobs requiring a college degree” returns this- “Librarian Aong Top Colorado Jobs Requiring Master’s Degree.” I am sure being a librarian is not as easy as it seems, but give me a few months on the job and I think I could do a more than serviceable job. Of all the words I’ve written on this overall topic and number of opinions and conclusions I have reached to this date, I may very well be more off base on the above stated opinion (about the decreasing number of jobs NEEDING a college degree) than on anything else, but when you consider the need for service industry jobs, customer support, repairmen, delivery people, food handlers, packing industry employees, retail salespeople, cashiers, food preparers, waiters, janitors and hotel room cleaners- I just don’t see it. I can see a greater competition for jobs above the level of those I just listed. That is why the government is allowing in so many immigrants. The government can protect businesses and assist them in managing the most expensive outlay most companies have- controllable costs/employee salaries. Second generation illegal immigrants will have a far greater impact on the life of the average middle class citizen than the current crop. I am pretty confident of that. (For Bush’s Pell Grant speech see- “President Bush Signs College Cost Reduction and Access Act” from September 27, 2007. For the reason the signing of that Pell Grant bill was necessary- see “Pell Grant Reduction Affects Aid” December 3, 2004, by Julie Geng- http://cornellsun.com/node/22639.)

*** Dobbs also included a chapter on these proprietary bastards in his WMC book- see “The Best Government Money Can Buy” (pgs. 37-64). And you would think that former politicians would have to wait at least two years before becoming what they always were- corporate shills. Consider this: “There are an estimated 2,390 former public officials working as lobbyists . . . Some 240 congressmen became lobbyists after their faithful service to their constituents, whom they all but ignored while in office. Political appointees, agency heads, and well-placed government bureaucrats also find new careers as lobbyists. At present, [as of 2006] half a dozen former officials of the Federal Energy Regulatory Commission are working at oil companies, or lobbying for them.” Jeez, and cockfighting is illegal. Not sure, but that seems like a giant political incest ring to me. There isn’t a better training ground in all the world for crimes against the populace, not even in prison for expected recidivists, than there is in the connection between politicians who wrap themselves in the cocoon of wrong and evolve into the dragon of butterflies- the lobbyist. Course, my son teaching his younger sister how to spit for distance is also rather high up on the list.
**** De Tocqueville, not quite as great a French visitor as Lafayette. His involvement with the July monarchy, not appropriately named, made me curious about another rather strangely named famous event- The Hundred Years’ War (Guerre de Cent Ans). According to Wikipedia, this was a “prolonged conflict lasting from 1337 to 1453 between two royal houses for the French throne” . . . French soldiers fought on both sides, both for the Capetian line of French kings (House of Valois) and the English kings, descended from the House of Plantagenet/House of Anjou. Strangely, the conflict lasted 116 years- huh? But with several periods of brief or prolonged peace and the application of principles centered around new math, the war actually took place over the course of 81 years. Huh? Anyway you slice it, French people just aren’t good with naming things, as the 100 years war lasted either 81 or 116 years. French descendents should definitely steer clear of Rush Limbaugh’s book- “See, I Told Ya So” should they hope to avoid the pitfalls their forbears fell into- that of the mis-naming of marginally famous world events. Limbaugh includes an entire definitional chapter called “Words Mean Things” and fails to provide the meaning to the word “hypocrite.” Here, I agree with Rush- words do mean things. Nothing wrong with naming something the Eighty One Year War. Given the national pride the French might feel toward their famous explorers (Jacques Cartier, Jacques Marquette and Samuel de Champlain) who have travelled the world in search of things- you would think that finding the meaning to certain words or groups of words would be important to them. Perhaps finding the meaning of the word “ally” would have ranked much more highly on their list of things to explore.
***** My first guess would have been 1913, when the Federal Reserve act was passed. I’ll get to that in part 36.
****** Attributed to Wendell Philips, American abolitionist.
******* Both relay teams dropped the baton at the 2008 Beijing Olympics.

Wednesday, August 6, 2008

Middle Class Part 33: Issues Article 6; Health Care, Prevailing Wage and Jarndyce and Jarndyce

I’ll get right to it- shocking I know:

DOT: Taxpayers pay into a highly necessary component of any state or federal government- the Department of Transportation. No one would deny that we need roads, construction workers, signage, highways, bridges, paths, drainage, grading, traffic control lights and other infrastructure requirements I couldn't even identify related to streets and highways, but we are unable to determine a method for overturning the nature of this little known black hole:

PREVAILING WAGE:

Prevailing wage: I had never heard of this issue until a local television station included a special report in its 10 o’clock news program one night. (See Part II-Prevailing Wage In Need of Fix?” by Rick Kupchella, May 5, 2008- http://www.kare11.com/news/investigative/extras/extras_article.aspx?storyid=509683.) Apparently Part 1 of the prevailing wage story is about as popular as Gary Glitter’s “Rock and Roll Part 1” because I can find no indication on the internet that the prevailing wage story part 1 exists. This is not true of Glitter’s forerunner (part 1) to his hockey anthem masterpiece (part 2) that’s only lyric is the word “hey”. Thankfully, Kupchella’s on camera reporting artistry is much more substantial. Briefly (who am I kidding) . . . basically- the prevailing wage is a wage that construction workers are paid for their labor based on a set of licensing predictors that not even those managing the industry understand. If issues such as immigration, campaign finance, taxation, and the health care and insurance industries, etc. weren’t so Dickensian in terms of dysfunction, the issues comprising the prevailing wage mess would be the Jarndyce and Jarndyce of issues. I’ll explain Jarndyce v. Jarndyce eventually. For now, consider the information that Kupchella presented:
1) Chris Duininck is a road builder whose company bid $10.8 million to complete a 12-mile stretch of road. The bid “was loaded with extra pay for workers that was mandated by the state.” In other words, the bid would have been substantially lower than $10.8 million had the state not escalated the price.
2) The workers Duininck used were the same as used in other Midwestern states.
3) The amount of labor charged to the MN taxpayer for just that one road construction job amounted to $810,167. Imagine that amount dramatically increased by the construction of office complexes, strip malls, government works buildings, libraries, post offices, houses, public streets and a series of road jobs dozens of times larger. Imagine how much tax money is lost to the issue of misunderstood prevailing wage laws. When you think of it, $810k+ doesn't actually sound that bad a price on labor. It costs a person $90 for a service call from a air conditioning installation company that installed the unit not two years previous. The technician had no knowledge of the customer having a warranty. I know because the technician from Metro Air had that amount indicated on the invoice before I came up with the warranty information which enabled me to avoid the charges. Necessary costs see. A 2-year-old air conditioning unit, that I paid over $1,800 for breaking down and the company responsible for installing it wanted to absolve themselves of all responsibility. But I digress . . .
4) Throughout the Minnesota metropolitan area a man holding a “stop and go” sign is paid $37.49/hour but the market rate is $23.06/hour.
5) Many people in the business told Kupchella that the “labor unions have been particularly effective in helping keep these wages artificially high.” Unions receive abundant compensation for these services, because union members pay dues which fund this brand of underhandedness. Unions act nearly like the Federal Reserve in their capacity to conflict the public in terms of the benevolence v. complicit intent to defraud Americans. I paid union dues for nine years as a member of the United Food & Commercial Workers Union. I don’t know how much I ended up paying in over the course of my tenure in dues. What I do know is that I saw people steal from the company and continually abuse time-off policies and through the union they continually retained their jobs. On the other hand, I have seen my wife’s wages as a registered nurse remain high, whether that is attributable to the duties of a union is a matter of debate. I am told that the nurse's union in Minnesota is pretty good. So, just like everthing else, there is some good and some bad. Overall, if a union were to flip a coin representing your dependence on them the result may be communicated by them thusly, by the shop steward of course- “Heads I win, tails you lose.”
6) “The prevailing wage sets a ‘floor’- a minimum wage”- so the cost to the taxpayer for each construction job, whatever the type, becomes much more expensive if one considers the number of experienced workers tasked with the job of laying tar or installing a metal door and is different depending on the county or state in which the construction is taking place.
7) Misclassification of workers. “Those who are trained for and work in one job classification . . . are, for the purposes of the state prevailing wage program, put in a completely different, sometimes more expensive, job class.” The state sometimes “orders contractors to pay the ‘carpenters’ as if they were ‘ironworkers,’ effectively giving them another, very large raise.”
8) The state (MN) “sets pay rates for some 4,500 different job grades- [but] does not have a definition for any of them.” I know this is trite and overused, but if we put a man on the moon almost forty years ago, perhaps it is time to classify the tasks of some 4,500 jobs in order to pay workers for their contributions and not cost taxpayers more than is necessary by an amount of money that could probably colonize the moon today. Seriously, some defenses in all-star games participate with less apathy than those responsible for the continued fleecing of the Minnesota taxpayer on the issue of prevailing wage.
9) A third generation builder is quoted in the story as saying- “A new person hired as a general laborer, with no prior construction experience” was “described as something of a glorified gopher. One of his duties was to pick up and deliver rebar to ironworkers on the same job site. Because the man wrote ‘rebar’ on a timecard, the state ordered that the man be classified as an ironworker . . . The state currently lists the rate to be paid to ironworkers in Detroit Lakes [MN] at $52.22/hour” perhaps double what a new worker might receive. My wife works in the obstetrics (baby delivery) unit of a hospital. More often than not, she monitors the vital signs and attends to mothers who are fighting against delivering their children pre-term due to various complications. One woman was in the hospital more than two months and began to develop pain local to one of her teeth, which was recommended for removal while she was still on bed rest in the hospital. My wife attended to the needs of the patient, given a certain rapport she had established with the patient throughout her pre-term stay. If my wife’s attentions paid during the removal of the tooth could somehow be considered in line with a rebar delivery person receiving the pay of an ironworker, perhaps she could receive compensation along the lines of a dental assistant.

We are in a fairly modern age where we need to track how our natural resources are maintained, how our income is measured against our debt and how the various government agencies or state governments contracting with businesses building our infrastructures spend our money. If we never make those in power accountable for the decisions they make, the actions they take or the inaction they can continue to justify in lieu of action, from deciding not to extend the Bush tax cuts to negotiating suitable compensation for services rendered on road construction or bridge replacement jobs, we will always be wondering where our tax money goes. Again, who guards the guards? “Increasing the carpenter’s pay from the state-mandated wage of $33.75/hour to an ironworkers pay of $52.22/hour—can really add up.” I would think so.

10) Employment lawyer Doug Seaton says, “there’s no way to measure the exact cost to taxpayers. But in a deposition on this case, a MNDOT [Minnesota Department of Transportation] compliance officer said they had found problems—one on side or another [sic] in 90% of prevailing wage jobs.” If we wanted to “measure the exact cost to taxpayers,” we could. We could employ and impanel an independent governing body. They would likely make up their salary with their findings of exorbitantly paid state infrastructure workers a hundred times over and though this would increase the size of government, it would reduce the probability of misallocated taxes and in turn reduce the amount of justifiable taxes period. Such an agency, like those I have already recommended to be put in place on the state and federal government levels to investigate the enumerated and total government waste born by taxpayers is more necessary than a partner in the synchronized swimming event at the Olympics. With that, they would pay for their salaries no fewer than twenty times over in a given year because we would not need twenty judges to rule on the wastefulness of a project given that they are adequately versed in the principles of reasonable needs of the city, county, state and country. There is no need to qualify the demerits of a government made larger as long as the services they provide equate to a monetary savings to all taxpayers.
11) Former “legislator and speaker of the Minnesota House of Representatives for decades” Steve Sviggum “fought the prevailing wage laws in Minnesota.” Now he works on the other side trying to maintain the ambiguous and vague nature of the prevailing wage laws because it benefits the labor unions. He is now commissioner of the Department of Labor and Industry and agreed, “that the issue of defining job classifications is something that sits squarely within the Department of Labor.” A labor union spokesman refused to believe that the labor unions benefit from vagueness. My good sir, most government agencies do and benefit quite a bit when Mr. and Mrs. Taxpayer go about their lives without asking gatekeepers who is watching them. Again, quis custodiet ipsos custodes (who guards the guards- see part 31).

I am not attempting to remove earned money from the wallets of any skilled infrastructure craftsman who may work harder at their job than I do at mine. I know a few guys that perform very valuable services to customers and work quite well with their hands, but what is fair is fair. However, I hope there is a special hell-annex for contractors and state and federal infrastructure workers who abuse the system, that must in turn be delayed in the purgatory of afterlife, which they have all of their employed lives, subjected their clients to. St. Peter, it is to be hoped, has a sense of irony.

The below notes and information can be found at:
http://www.auditor.leg.state.mn.us/ped/2007/prevailingwagessum.htm

Although the Department of Labor and Industry calculates most prevailing wage rates in accordance with state laws and rules, the department has incorrectly set some rates due to computer programming and other errors.

Minnesota has an acceptable program for enforcing the state’s prevailing wage law on state-funded highway projects, but there is confusion over the responsibility for enforcing the law on other projects. (For a set of people who speak the same language, at least up until the present time- meaning P.A.- pre-amnesty, this is no excuse.)

Research does not provide a clear answer about how prevailing wage laws affect public construction costs or construction quality. (Ah, if you are paying a worker twice as much as the national average and employing 20 workers to perform those duties, couldn’t you use a calculator, an abacus, do some math in the miles of roads that can remain unpaved for any number of days that are littered with dirt, dust and sand and on which your workers tread on a daily basis? Here, let me get you a stick. My 22-month old girl is more capable of fixing herself a meal than those who seem apathetic toward the regulation of prevailing wage laws and she cannot reach the microwave, open the refrigerator or work the security latch on the pantry.)

Except for state highway projects, Minnesota lacks a prevailing wage enforcement program. Here is how you can fix that . . . get one!

Jarndyce v. Jarndyce:

Jarndyce and Jarndyce: This was a fictional chancery court case which was used as a major plot element concerning the central characters in Charles Dickens' novel “Bleak House”. From the Wikipedia entry (http://en.wikipedia.org/wiki/Jarndyce_and_Jarndyce):

“The case concerns the fate of a large inheritance, but has dragged on for many generations prior to the action of the novel, so that, by the time it is resolved late in the narrative, legal costs have devoured nearly the entire estate. The case is thus a byword for an interminable legal proceeding. Dickens used it to attack the chancery court system as being near totally worthless, as any "honourable man among its [Chancery's] practitioners" says, ‘Suffer any wrong that can be done you rather than come here!’ ” The same might be said to an American citizen with certain expectations of their government.

The same could pretty much be said for any attempt at issue resolution in this country- the negotiations, consensus-building, attempts at compromise, ego-massaging, decision-making and waste of taxpayer money, etc. is interminable. This interminable nature of issue debate, which still takes a back seat to TMZ-related factoids and candidate personality conflicts during election time in terms of wasted opportunities, builds for America an incessantly strife-ridden, over-budgeted, divided, Bleak House. I would concede that the interminableness of something else could also be metaphorically compared to the case of Jarndyce and Jarndyce . . . the overall length of this blog topic. Touche, if you considered that before having read the previous sentence.

HEALTH CARE:

Health Care: I will have to take up much less space revealing this issue than if I hadn’t read both Nader’s- “The Good Fight” who addresses some health care concerns on (pgs 205-213) and Dobbs’ chapter on health care, to be found in “War on the Middle Class” (pgs. 157-172). I could spend multiple posts commenting on medical malpractice and immigration’s affect on health care costs (see part 26 for the immigration component), the push and potential cost to taxpayers, for digital medical record keeping across the country, the uninsured’s and under insured’s affect on the average cost of health care, and how Welfare affects the sub-topic, among a host of other related pieces of information. But I think I can communicate enough on the sub-topic by simply using the rest of this post . . . go figure.

“Parents” magazine: See the August 2008 article written by Janna Oberdorf (pgs. 44 and 46). “There has been a 78% increase in the cost of health-insurance premiums since 2001.”

- “The amount that insurance companies reimburse the average family physician has gone down . . . so to make a decent living, a family doctor has to cram more patients into his schedule.” Oberdorf writes here about the insurance companies not being willing to pay for the time a doctor might spend discussing smoking, diet or exercise with a patient. Largely, unless someone has just had a heart attack or cannot breathe because of the smoke in their lungs- a patient is not going to listen to a doctor about trimming back their caloric intake or curbing their smoking. So, I can’t blame the insurance company there. One city in California (see “L.A. Oks Moratorium on Fast-Food Restaurants” Associated Press, July 29, 2008- http://www.msnbc.msn.com/id/25896233/) believes it can influence the eating habits of its citizens. I imagine that the people will just continue to eat at the unhealthy and more moderately-priced fast food restaurants in their own city or travel to a neighboring city which features a new Fat-Asses-‘R-Us type option.

- “Kids get sick: They get the flu and strep throat and other contagious illnesses. If a child isn’t treated, he’s not the only one at risk—so are healthy kids who share the classroom or ride the bus with him . . . When uninsured kids need to see a doctor, they often have no other option than to go to the E.R., where they receive very expensive care—more expensive than a regular office visit. That cost is passed on to insured families through premium increases and taxes. We spend more than $35 billion every year to cover these costs. And if our emergency rooms are treating kids who have less-critical illnesses, they have less time and fewer resources to handle true emergencies.” (Health insurance companies are aware of a recently discovered phenomenon called germs- yes/no? Have politicians been made aware of this hazard? See, because then other children would then presumably be on the hook to be scheduled for an appointment to the doctor’s office- which then would necessitate a co-pay, perhaps the acquiring of a prescription for medicine that the afflicted would not need to pay for if the communicable illness were treated in the few uninsured. I don’t want to get all conspiracy-theoried out, but this "lack of insurance deal" would then benefit the doctors, the insurance companies and the drug companies- not a bad hi-jinx, but of course- completely out of the realm of possibility.)

“Ultimately, Who’s Going to Get Stuck with the Bill”: (See the Minneapolis Star Tribune Opinion Exchange section OP pg. 1 and 5, by Jill Burcum, May 18, 2008 a Q&A exchange with Bruce J. Rueben, the president of the Minnesota Hospital Association. The article’s main focus concerns the fact that hospitals struggle to make up for lost revenue due to medical debt and how serious the problem is perceived to be in Minnesota. Rueben identifies MN as a state with not as many uninsured citizens as many other states.) The three Minnesota health care supplement options- Medicare, Medicaid and Minnesota Care (the equivalent of CalWorks- see part 32, “pay hospitals less than the cost of providing care. So, there is a lot of pressure on private insurance to cover the costs of under funded care. As a result premiums grow . . . you’ve got companies not necessarily dropping their coverage, but dropping the amount of services they will cover or adding costs for employees.”

Rueben also contributed these health care cost related nuggets: 1) “a bigger and bigger share of bad debt is from people with insurance, but who are unable to pay the out-of-pocket expenses.” 2) “the rising cost of health care is contributing to the rising amount of bad debt.” 3) “every time the state and federal government decide they’re going to pay hospitals less for delivering services to public-program recipients, [those receiving Medicare, Medicaid or Minnesota Care benefits] those costs don’t disappear [it] ends up in the bill.” 4) “Minnesota hospitals lost $1.3 billion due to underpayment by Medicare and Medicaid.” (No one can assume that the hospitals or the insurance companies are willing to incur all of those costs. It would be interesting to know how those overage costs are shared by the hospitals, the insurance companies and those with health insurance plans. As one Minneapolis Star Tribune letter-to-the-editor writer queries- will we soon need to tap into our retirement accounts or take out a home equity loan in order to afford health care coverage?

Compensation reform policies: This editorial “A Healthy Focus on Compensation Reform” can be found in the Opinion Exchange pages of the paper (from December 30, 2007). This is exactly what I am looking for from an accountability standpoint from all of the industries responsible for providing us with the economic issues for which we most need resolutions so that the middle class can stop what is a continual financial blood-letting. Here are the facts as represented:

1) former UnitedHealth Group CEO William McGuire initially obtained a $1.3 billion stock option and retirement pay settlement upon his departure from UnitedHealth (I am adding the $420 million in stock-option gains and retirement pay he forfeited to the $874 million the courts have frozen);

2) McGuire had backdated stock options (I have no idea what that means but would probably feel less disgusted about finding out than attempting to figure on the diet of an Amur tiger based on its scat using only broken used popsicle sticks and pleated sandwich bags. Note- this use of the word “scat” should not be confused with a British or German card game (Skat) or said tiger’s ability to vocally shadow, or riff, alongside Jazz music. Look up scatological . . . bleck- the short form of which, in the zoological groupie world is scat);

3) UnitedHealth hired an independent counsel “to look into the company’s stock option practices” (good idea). “The company has taken several steps to improve transparency and strengthen accountability”;

4) “The company has set up a representative committee which includes institutional investors and member of the medical community to provide advice on nominations for new board members. “The company also has changed its approach to executive compensation” (good) as the employment contract of McGuire’s successor is without target bonuses and stock option guarantees, “although the board may decide to reward him with them later” (not as good);

5) Risk Metrics Group “assesses the policies companies have in place to protect shareholders and keep executives accountable” and gives ratings on corporate governance policies.” (As Frank [Peter Boyle], from “Everybody Loves Raymond” would say- “Holy Crap!” This is news and perhaps too good to be true. While it is a start- it won’t be nearly enough from an accountability standpoint until meaningful fines are assessed and paid by corporations that violate lawful committee declarations of a corporation’s exorbitant financial excesses that continue to put the average middle class citizens net pay in jeopardy. Can we see some progress there?) Keep in mind- “workers are paying more in premiums, co-payments and deductibles, and public programs such as Medicaid are among the fastest growing items in the state budgets. ‘All of these combined create an increase in the number of uninsured,’ ” said Ron Pollack, executive director of Families USA. And those concerns are for people that do not have to buy their own health insurance. Anyone looked into having to do that lately? My wife and I switched to her insurance because of the lovely co-insurance option that was positively introduced into my company’s “benefit” plan three years ago.

Health insurance premiums: “Michigan health insurance premiums increased 66.4 percent between 2000 and 2006, while median incomes grew 7.7 percent, making Michigan second worst in the nation.” See The Detroit News, April 5, 2007 article by Kim Kozlowski (key in the title- “Health Care Costs Hitting Middle Class.” (See- premiums would be tied to out of pocket expenses, which would equate to the average middle class taxpayer needing to devote more money to the necessary cost of health care and as you’ve just read, the cost of living increases are not matching that cost alone. Perhaps there is some merit to a lame-brain’s contention that the middle class will be in some form of economic despair in the next generation; convincing Mr. republican of that would be more difficult than telling a Burmese python it suffers from scurvy, or at least from a prolapsed mitral valve, and that it might want to eat that next rat with a lime chaser).

National Coalition on Health Care:
“In 2007, total national health expenditures were expected to rise 6.9 percent –two times the rate of inflation.”

Total spending, in 2007, was 2.3 trillion; about half of what it is estimated to be just 8 years from now.

“In 2007, employer health insurance premiums increased by 6.1 percent—two times the rate of inflation. The annual premium for an employer health plan covering a family of four averaged nearly $12,100.”

Experts agree that our health care system is riddled with inefficiencies, excessive administrative expenses, inflated prices, poor management, and inappropriate care, waste and fraud.” The good news though, is that the factors, which have been identified in the previous sentence, as being the causes for the annual increases, are not necessarily in order. I took the liberty of severely increasing the size of the word "experts" above because my republican Echo Narcissistic counterpart, who interviews economists that maintain that all is well, claims they are experts. I guess I get a touche for that one.

Alan Shore wannabes/democrats- those of you who would like to redirect the attention of how much we spend on health care should know that we spend four times less on national defense. “The United States spends more on health care than other industrialized nations, and those countries provide health insurance to all their citizens.” Hold on, the quality of that health care is debatable. That is the good news, because as you know, we have to start thinning the American herd some way. (Psst- I am only setting up a bigger “good” news joke later on- be patient . . . admittedly, a strange thing to write to no one in a column about health care. Note: Alan Shore is played by James Spader on Boston Legal, a noted, though cooky, liberal- believe it or not, those two terms are not as synonymous as experience has led you to believe.)

Arnie Becker wannabes/Republicans- who think that the limits placed on personal bankruptcy filings was a good thing, who considered that only those who overextended their credit cards and/or were parties to the accepting of dangerous sub-prime mortgage interest rates were to blame for their own financial condition, should be made aware that Harvard University researchers “noted that 68 percent of those who filed for bankruptcy [in 2007] had health insurance. In addition, the study found that 50 percent of all bankruptcy filings were partly the result of medical expenses.” (Note: Arnie Becker was played by Corbin Bernsen in the 1980s television drama “L.A. Law.” Becker was a noted, though fiendish conservative fictional attorney that bears no resemblance to at least 50% of practicing conservative attorneys in terms of dress, diction, antics, attitude, and/or god-complex derivation.)

I could go on: There are facts, figures, percentages, decimals, and fractions galore at these two locations. If you want this version of the very striking truth- please see: http://www.nchc.org/facts/cost.html which falls under the heading- “Health Insurance Costs”. I will use just two pieces of information from the companion article from the same entity (National Coalition on Health Care) - which fall under the broad heading “Health Insurance Coverage” please see: http://www.nchc.org/facts/coverage.html. These two pieces would be- “Nearly 47 million Americans, or 16 percent of the population, were without health insurance in 2005” and “The large majority of the uninsured (80 percent) are native or naturalized citizens.” If my math is correct, and this is the good news, that leaves only 20 percent of uninsured citizens who are illegal immigrants or legal immigrants who have not yet become naturalized. 20 friggin percent! That . . . is great news! I opted to leave out important pieces of information for the sake of saving space- things like “The percentage of people . . . with employment-based health insurance has dropped from 70 percent in 1987 to 59 percent in 2006” and things like “Nearly 40 percent of the uninsured population reside in households that earn $50,000 or more. A growing number of middle-income families cannot afford health insurance payments even when coverage is offered by their employers.”* Yes, I won’t even reveal things like that. Some employers may have long ago decided to continue to offer coverage but someone, in their largesse, has also decided to spend a lot of money on foliage to make a work campus pretty, excessively pretty. I am speculating, but it seems as if some suits, or on-staff horticulturists with a large budget, considers plants- the way high school fashionistas treat wardrobes. While a highschooler could no longer subject themselves to the wearing of a certain pair of jeans, apparently a certain breed of shrubbery is considered passé if it has been left in the ground for more than a year. This necessitates its removal and replacement. Just innocently wondering how much has been spent on these types of landscaping decisions, which monies might be better directed toward health insurance coverage for employees. A clouded leopard diagnosed with a learning disability would have a better chance of squeezing lemonade from a turnip than a rational member of the human race could justify why a company would waste so much money on Salvia. What is the plural of Salvia anyway?

Digital age: “Getting Doctors to go Digital” Minneapolis Star Tribune editorial, Opinion Exchange section (AA4), September 30, 2007. “A 2005 study by RAND Corp. suggests that Americans waste at least $100 billion per year in duplicated medical tests, bad prescriptions and other waste—not to mention errors and missed diagnoses—because most doctors and nurses lack quick access to accurate medical records.” My good republican friends- all is well? Perhaps a member of the medical industry could key into the computer the fact that I am allergic to aspirin and penicillin and that when I was a child I broke out in hives when thus exposed- (they usually ask what the effect of my having been in contact of those two rather major elixirs used to be). I am asked the same questions every time I visit the doctor, which is about once every year or two. Imagine the time that could be saved, if these people actually keyed in and saved the answers into a computer. Apparently, before the advent of electronic medical records, the pens they have been employing for the past twenty-five years have been writing in invisible ink. Allina hospitals have gone digital and “expect[s] to recoup its $250 million investment within four or five years by practicing better, more efficient medicine . . . an ER physician was about to order a battery of tests for a young woman admitted with abdominal pain, when he noticed she had just had the same tests at another Allina facility.” Nice- and there is a desire “in setting a common technology standard so that Allina’s computers . . . can talk to Medica’s.” (Now, that is just making too much sense- something America’s industries have only been inconsistently good at since their respective inceptions- since the first wooden leg attachment [medical field] or the first loan for Cletis to buy a cow [banking industry], etc.)

Like I mentioned: Three years ago, a certain person's employer made a deal with the devil and somehow agreed that having its employees pay co-insurance as a way to distribute costs among the masses more evenly was a good way to go. I cannot fault the employer, as they are just responding to the health care market, but the presentation of this change was despicable. We were told in the annual presentation of the rollout for slaughter of our cost-of-living increases that we had choices.** We could make the best choice for ourselves and family on the health care plan option which could best meet our needs. A sentence on a page headed “Building Your Own Medical Plan for 2005” reads: “Each year when you enroll, you’ll decide how much coverage you’ll need for the upcoming year.” Oh goody, so not only do I need to pay more overall given the hike in co-pays and the introduction of co-insurance, but I get to pretend to be a super-hero with the very enviable make-believe talent of attempting to see into the future. I have always wanted to guess as to when or if I would need surgery on my face, when I might be breaking my leg, whether my wife will suffer from pneumonia or if my kids will come down with a protracted illness. That sounds like fun. Since most people don't know what kind of blizzard they are going to order when they are in the drive-thru at Dairy Queen, I don't imagine a lot of collective excitement surrounded this ordeal/opportunity. I can’t remember having so much fun- not even when my dad gave me a buck to play Q-Bert at the campground arcade and he supposed that 100 cents should last me all day. Did they really expect someone with an IQ of at least 13 ½ to buy this crap? The Wholly Mammoth’s choices were better when it could decided between getting speared to death by the caveman or have rocks dropped on its skull from the women and children who stood on the top of a cliff.

Still mentioning: I do not remember saying anything during the presentation about our individual opportunity to make illness or injury prognostications for the coming year, because I say a lot of things. I cannot possibly remember everything. I know that I did not mention this- “your approach of attempting to put a positive spin on this news of asking an employee to acquire some prescient ability to determine our future health care needs is akin to telling an innocent man that he is to be put to death in as subtle, seductive and placating a manner as possible, while in the same breath telling him that the other good news is that he is able to choose from the many options of death available to him- hanging, drug overdose, drowning, being burned or buried alive, shot, stabbed, lethally injected, annoyed to death by a republican who thinks that all is well or a democrat who defends an illegal by using silence, supposing you are the one who is being extreme . . . quite a choice. To borrow Home Depot’s current advertising slogan- “You can do it . . . we can help.” I can choose the mode of death among the options you allow. Thanks.

Standard health screenings: Read this story about a young girl who was administered a series of health screenings, which saved her from the unenviable position of living with cystic fibrosis- see http://www.startribune.com/1244/story/1541400.html. When people talk about the escalating health care costs and the subsequent diminishing coverage, consider that in the future, a health insurance company may not cover the battery of tests which innocent little babies may go through, as they do now, to ensure their health, because, they could justify, just 1 in 10,500 babies are born with a certain disease. Yes, a baby's health may not be insured. Granted, the story itself pits DNA genetics and pre-screenings against the perceived lack of privacy one might be subject to given that DNA information obtained from the screenings might be retained. I am using the vignettes contained in the articles to illustrate that certain types of coverage can be dropped*** by health insurance companies without anyone being able to object. If any of a wide variety of covered procedures, tests, medications, etc. were to be dropped, because of how much they were costing the insurance companies, there is every reason to believe those types of decisions would ultimately cost those who are insured much more in totality than if they had kept certain procedures in place to begin with. There is something to be said for pre-emptive care- I discovered this when I neglected spraying the weeds that took over my patio last year. (Also see http://www.startribune.com/1244/story/1541400-p2.html. Perhaps a person with all of the fortune in the world, both economically and in a familial sense will forgive someone looking out for people who had to routinely pound on their little girl’s breast and ribs in order to loosen the mucus inside her chest which kept her from suffering from cystic fibrosis. At least they knew they had to.)

RX for Change: In yet another Minneapolis Star Tribune Opinion Exchange article (OP1 and OP5) “RX for Change” March 30, 2008, the Mayo Clinic leader said that the health care system is not broken; “there is no system” . . . We’re going to go bankrupt. Medicare is order of magnitude more of a significant financial problem for this country than Social Security is, and it’s coming in the next four, five years.” (See- http://healthpolicyblog.mayoclinic.org/2008/04/01/star-tribune-interview-with-dr-cortese/)

Cortese also mentions, during the course of the article: “We have a public and private insurance system in this country . . . When you’re under 65, you’re in the private system. When you’re over 65, you’re now in the public system . . . That means the insurance companies don’t have a real incentive to keep you as healthy as you could be.” Cortese's example- if you “get diabetes when you’re 50- Insurance companies and your employers right now will give you as much care or as little care as they can get away with. There’s no incentive for them to invest more in keeping you really, really healthy because when you get all your complications from diabetes, you’ll get them when you’re 70, 75. Complications occur 20 years later. Then it’s all Medicare’s problem. We need to have insurance companies get their reward for keeping you healthy.”

Moving in the right direction: In theory, Cortese likes the proposals of each of the presidential candidates and says they are moving in the right direction. At least until they probably have flip-flopped on a number of methods or approaches to health care delivery. Hell, keep in mind, that Cortese was interviewed in March (2008). We can’t expect consistency when we have been told to embrace change. Further, Cortese says- “Nobody I have heard of is talking about system-engineering in health care to redesign the way we provide care. Nobody’s talking about the vision.”

Why both sides are wrong: The left/democrats want government run health insurance (i.e. universal) for all and the right/republicans want as little government interference in health care as possible. The solution lies somewhere between. We, as individual members of the middle class, cannot afford to pay someone else's medical bills- whether they are natives, naturalized citizens or illegal immigrants. We also cannot afford to let everyone sink or swim and allow the insurance companies to control everything. I use Milton Friedman and his economic philosophy to be found in “Capitalism and Freedom” as a model of conservatism to balance against a more liberal approach like mine. I agree with much of what Friedman wrote about public assisted housing and social aid generally and tend to object to his private market business philosophy, which unfortunately is how I would expect he would have handled the health care problem- which he did not address in the aforementioned book on the overall sub-topic of social aid. I have not read any of Friedman's other material, but the contents of pages 177-189 should give a reader a fairly vague conservative mindset toward how he would have handled the issue of health care. Intellectually, the man was brilliant, but unfortunately there is no way to measure the brilliance of a man's heart.

Remedy: 1) Involve insurance companies, independent panelists, doctors, and informed patients of all educational levels in a managed care system. Involve insurance companies, do not completely empower them. 2) Stop lobbyist efforts to get doctors to prescribe their brands of medications. 3) Mandate that all of those who can afford health insurance are paying for it; requiring this would necessitate the involvement of an objective person to make a logical decision. 4) provide incentives to doctors, hospitals and clinics who deliver high quality health care consistently without a duplication of effort, utilizing a universal digital medical record system which is linked across the country. 5) discourage doctors from requesting unneeded tests or from prescribing medications simply for the benefit of medical apparatus or drug companies.**** 6) Any and all panelists on medical boards and those deciding upon compensation packages for any medical company’s directors should serve a term no longer than a member of the House of Representatives, which would help minimize the amount of continual damage they could do to the bank accounts of the average stockholder, which in turn affects insured patients. 7) in line with the second portion of #4, mandate that all clinics and hospitals make the transition to digital record keeping and stop asking me what I am allergic to. (If this endeavor runs into the billions of dollars, then again remove the taxes which are already being paid and wasted by our federal and state governments in any number of other areas, and redirect them toward this end);

8?: I read a story where the Federal Trade Commission has been encouraging the entertainment industry (from television and movies) to utilize characters as spokes . . . things to promote more healthy foods and drinks to America’s youth. Surely we should do this, because if Sponge Bob promotes an e-choli spinach salad or the Backyardigans push whole grain bread upon the inexperienced taste-buds of the young, the latter will of course clamor after the healthy food and whine down aisle 7 in the grocery store that they want King Vitamin cereal instead of the Lucky Charms that is rotting their teeth while making their mornings more enjoyable. Getting this proposal to work would be more difficult than trying to mate a carpenter ant with a hippopotamus; the former won’t move out of the shed and the latter won’t stop bragging that it was just made a research fellow, studying philology, at a community college. The hippo has long preached togetherness and community, too often in Greek by the carpenter ant’s estimations, but brags about his political tolerance. Now that semi-aquatic, river-inhabiting sea-cow/horse is one giant hippo-crite.

I am aware: that technically speaking, we already have private payment and universal health care-like aspects to our current system, such as it is. We pay co-pays, co-insurance and our household’s policy mandates that we pay $11 for most prescription medicines. The health insurance company that works with our employer then pays for many of the remaining in-network services and for referrals to affiliated physicians. The question then might be asked is- if we are already, in part, sharing the burden of paying for health care among those who are provided health care (the patient/insured) and the employer- what is the next step. Easy to answer if the answer to a follow-up question is answered- is there complete justification in the amount of money we are charged for medical services?***** I don’t have the answer to that question; good people who are far more enlightened and experienced, while having the requisite objectivity would be best equipped to provide the answer to that. Are we to the point yet that this problem of the type of health care system to be adopted cannot only rely on all consumers of health care services fending for themselves or having the insurance companies, and thus, the insured to their detriment, continuing to pay for the uninsured? Surely only a Sudanese-American binturong that keeps forgetting to take its statins****** and that would renounce its dual citizenship (the renunciation of the American component of the duality) would choose to adopt the all or nothing (either conservative or liberal) method to any of a number of the issues I have addressed to this point- and would continue to be oblivious to the mean resolution which exists between the two.

Well-enough: There is that old adage- “leave well-enough alone” that’s two framing words propose inaction should the middle portion, applicable to any type of issue, is objectively judged as not broken, or is otherwise not deficient in some way. The adage itself, when the topic is health care, is particularly interesting. On the subtopic of health care, we are most assuredly not well and neither the democratic, nor the republican antidote will provide us with the cure. Neither side is maintaining that the issue of health care is well, but their continued inaction and inability to compromise on behalf of the people rather than a compromise for its own sake should leave us all feeling sick. Solutions are not easy; sometimes finding the fly swatter is the most difficult part of killing a fly- especially if you do not have a magazine to sacrifice. My wife mentioned that a fly may have been pre-conditioned to recognize the sound of a whooshing swatter stored in its genetic memory- given to it by generations of flies perhaps trained to escape a well-aimed thrust. She didn’t put it like that of course, I extrapolated- she just said- “it probably knows.” I don’t know that a single fly’s likelihood of being killed decreases with repeated failures. I think something similar to that was a story component in the movie “The Incredibles.” If only we could attribute that much prescience to our elected officials . . . comparing them to insects and cartoon characters will have to do for now.

Next time: Education.

* It is likely that a number of people not choosing to be insured by their employer perhaps have extended cable television packages, cell phones, video gaming systems, plasma televisions, and overall live beyond their means. It is just as likely that a great number of these people are parenting children in single family homes.

** Silly me, I had planned on using my cost-of-living increase on gasoline.

*** Not necessarily these types of well-baby screenings, or pre-screenings, but items that were formerly covered. This is a much more serious problem than a cable company deciding not to include ESPN Classic in its basic cable television package.

**** I am not going to comb through internet results on this sub-sub-subtopic of this overall issue, but I think it is highly likely that doctors would necessitate some tests attempting to utilize expensive machinery more often if there is a chance they will be compensated. Referrals to imaging centers, or to specialists who use such equipment are bound to increase and I don’t know that it could always be because a doctor is innocently ruling out other potential diagnoses. But I recognize the fine line between a physician genuinely attempting to determine all avenues available for discovering a problem and being afraid to because of accusations that they are feeding the pig/giant medical apparatus development and distribution company or the prescription drug company. On the prescription drug front- I have no doubt that certain doctors can have the tendency to prescribe/push the drugs of certain drug companies. I’ve read this a number of times from a number of different sources, during quite different stages of my research on this topic.

***** I have heard horror stories of how much patients are charged for a box of tissues. I equated this to being charged $12.79 for shop supplies as a portion of my $200+ bill for a car repair a couple decades ago. When I asked the mechanic what that meant- he mentioned that it was for towels, use of tools, etc. I was dumbfounded. I had not yet become well-versed in the benefit of the Better Business Bureau. I don't know that anyone anywhere should ever be able to draw a parallel comparison between the goings-on in an automobile repair shack and a hospital room. I could make many more comparisons between the two, but I need to get to bed.

****** Statins are cholesterol-lowering drugs that have been proven to assist in the fight against heart disease and have been found to benefit the brain, “dramatically reduc[ing] the risk of developing dementia and Alzheimer’s disease.” See-
http://www.newsweek.com/id/149270. Just ignore all that false positive, the exact opposite may also be true stuff; that kind of back and forth only plays out between combatants involved in political discussions . . . or something.