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					Use this link to visit the 
					RAR music page, which features original music 
					compositions and other. 
					
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					to visit Rick Alan Rice's publications page, which 
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					RARADIO
					
					
					(Click here) 
					"On to the 
					Next One" by 
					Jacqueline Van Bierk
					"I See You 
					Tiger" by Via Tania
					"Lost the 
					Plot" by Amoureux"
					Bright Eyes, 
					Black Soul" by The Lovers 
					Key
					"Cool Thing" 
					by Sassparilla
					"These Halls I Dwell" 
					by Michael Butler
					"St. Francis"by 
					Tom Russell & Gretchen Peters, performance by Gretchen 
					Peters and Barry Walsh; 
					"Who Do You 
					Love?"by Elizabeth Kay; 
					"Rebirth"by 
					Caterpillars; 
					"Monica's 
					Frock" by 
					Signel-Z; 
					"Natural 
					Disasters" by 
					Corey Landis; 
					"1,000 
					Leather Tassels" by 
					The Blank Tapes; 
					"We Are All Stone" and "Those 
					Machines" by Outer 
					Minds; 
					"Another Dream" by MMOSS; 
					"Susannah" by Woolen 
					Kits; 
					Jim Morrison, Elvis Presley, 
					Michael Jackson and other dead celebrities / news by A 
					SECRET PARTY;
					"I Miss the Day" by My 
					Secret Island,  
					"Carriers of Light" by Brendan 
					James;
					"The Last Time" by Model 
					Stranger;
					"Last Call" by Jay;
					"Darkness" by Leonard 
					Cohen; 
					"Sweetbread" by Simian 
					Mobile Disco and 
					"Keep You" fromActress off 
					the Chronicle movie soundtrack; 
					"Goodbye to 
					Love" from October 
					Dawn; 
					Trouble in 
					Mind 2011 label 
					sampler; 
					Black Box 
					Revelation Live 
					on Minnesota Public Radio;
					Apteka "Striking 
					Violet"; 
					Mikal 
					Cronin's "Apathy" 
					and "Get Along";
					Dana 
					deChaby's progressive 
					rock
					 
					_______ 
					MUSIC LINKS "Music Hot Spots" 
					
					
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							ATWOOD - "A Toiler's Weird Odyssey of Deliverance" -AVAILABLE 
							NOW FOR KINDLE (INCLUDING KINDLE COMPUTER APPS) FROM 
							AMAZON.COM. Use 
							this link. 
							CCJ Publisher Rick Alan Rice dissects 
							the building of America in a trilogy of novels 
							collectively calledATWOOD. Book One explores 
							the development of the American West through the 
							lens of public policy, land planning, municipal 
							development, and governance as it played out in one 
							of the new counties of Kansas in the latter half of 
							the 19th Century. The novel focuses on the religious 
							and cultural traditions that imbued the American 
							Midwest with a special character that continues to 
							have a profound effect on American politics to this 
							day. Book One creates an understanding about 
							America's cultural foundations that is further 
							explored in books two and three that further trace 
							the historical-cultural-spiritual development of one 
							isolated county on the Great Plains that stands as 
							an icon in the development of a certain brand of 
							American character. That's the serious stuff viewed 
							from high altitude. The story itself gets down and 
							dirty with the supernatural, which in ATWOOD 
							- A Toiler's Weird Odyssey of Deliveranceis the 
							outfall of misfires in human interactions, from the 
							monumental to the sublime. The 
							book features the epic poem "The 
							Toiler" as 
							well as artwork by New Mexico artist Richard 
							Padilla. Elmore Leonard 
				Meets Larry McMurtryWestern Crime 
				Novel
				
				                     I am offering another 
				novel through Amazon's Kindle Direct Publishing service. 
				 
				Cooksin is the story of a criminal syndicate that sets its 
				sights on a ranching/farming community in Weld County, Colorado, 
				1950. The perpetrators of the criminal enterprise steal farm 
				equipment, slaughter cattle, and rob the personal property of 
				individuals whose assets have been inventoried in advance and 
				distributed through a vast system of illegal commerce. 
				It is a ripping good yarn, filled 
				with suspense and intrigue. This was designed intentionally to 
				pay homage to the type of creative works being produced in 1950, 
				when the story is set. Richard Padilla 
				has done his usually brilliant work in capturing the look and feel of 
				a certain type of crime fiction being produced in that era. The 
				whole thing has the feel of those black & white films you see on 
				Turner Movie Classics, and the writing will remind you a little 
				of Elmore Leonard, whose earliest works were westerns.
				
				Use this link. 
							  
							EXPLORE THE KINDLE 
							BOOK LIBRARY 
							If you have not explored the books 
							available from Amazon.com's Kindle Publishing 
							division you would do yourself a favor to do so. You 
							will find classic literature there, as well as tons 
							of privately published books of every kind. A lot of 
							it is awful, like a lot of traditionally published 
							books are awful, but some are truly classics. You 
							can get the entire collection of Shakespeare's works 
							for two bucks. 
							You do not need to buy a Kindle to 
							take advantage of this low-cost library. Use 
							this link to go to an Amazon.com page from which you 
							can download for free a Kindle App for 
							your computer, tablet, or phone. 
							Amazon is the largest, 
							but far from the only digital publisher. You can 
							find similar treasure troves atNOOK 
							Press (the 
							Barnes & Noble site), Lulu, 
							and others. |  
 |  |    | 
		  
		Essays
			
				| 
The RARWRITER essay pages have been one of the most 
vibrant aspects of this site, to the point where we have archived previous 
pieces to manage the volume. Below is the current stuff. Read and weep. Comments 
are welcome. - RAR |    
	
		| 
		
		 Performing 
		Rights Organizations: PRO’s - LEGAL WOLVES in the FLOCK of SMALL MUSIC
		  
		Alice Hill is a short story 
		writer, restaurant and venue operator, mother and Kansas farm wife.
		 
			
				
					
						
							
								
									
									
									Al Petteway and Amy White brought their 
									magic to our little farming town. They are 
									good at magic. In 2005 they graciously traveled from North 
									Carolina to Atwood, KS to support the 1907 
									Shirley Opera House Project 
									(restoration/rehabilitation) with a 
									fundraising concert. Their music mesmerized 
									the audience and began a new life for the 
									old building.
 
									
									The Shirley Opera House holds that 
									indefinable energy that flows from musician 
									to listener and back. Built from locally 
									kilned bricks in 1907 it was recognized for 
									its authentic character by the Kansas and 
									National Registers of Historic Places as it 
									turned 100 years old. As a member of the 
									Boulder Acoustic Society exclaimed “there’s 
									music in the walls”.  
									
									Since that first event, many others have 
									followed. I call it our Monthly Music Fix 
									and encourage people to view a night at the 
									Opera as better than drugs. 
									Anti-depressants, that is. Now, six years 
									later I am depressed, angry, frustrated and 
									outraged. . 
		  
		
		READ POST - COMMENT 
		___________________ |  
		Phillip Rauls Shares News 
		of the Passing of a Legend to Music Industry Insiders - Poe Kat 
		
		Phillip Rauls - 
		Photographer; Four Decade-long 
		Atlantic, STAX Records A&R 
		This is truly the end of an 
		era.... We are saddened to pass along the news that legendary tipsheet 
		publisher Bobby 
		Poe, whose annual 
		radio and record industry conventions were equally legendary, passed 
		away Saturday, Jan. 22 of complications from a blood clot. He was 77 and 
		had been battling throat cancer for the past two years. Poe's son, Bobby 
		Jr., posted the news on Facebook on Sunday. Poe, a.k.a. "The Poe Kat," 
		is best known and loved as the publisher of his iconic Pop Music Survey, 
		an influential weekly music tipsheet that was sent to Top 40 radio 
		stations and record labels.. 
		
		READ POST - COMMENT     |  
  
Click on the links below to go to bookmarked entries on 
this page. 
___________________ 
Posted  September 16, 2010   
 
___________________ 
Posted  April 26, 2010   
     
___________________ 
Posted  January 13, 2010 
 
___________________ 
Posted January 10, 2010 
 
___________________ 
Posted November 5, 2009 
  
 
___________________ 
Posted November 4, 2009   
   
___________________ 
Posted October 22, 2009   
   
___________________ 
Posted October 7, 2009 
Finger Style 
For 
reasons unplanned, RARWRITER.com's Artist News home page is currently filled 
with pieces on solo acoustic guitarists who, by necessity if they choose to be
interesting, use the "Finger Style" of playing. This is a genre of music 
that has been a particular focus at RARWRITER.com since Douglas Strobel became a 
regular contributor to the site. He is a Finger Style guitarist and is devoted 
to documenting and sustaining the tradition of the style, particularly as it 
relates to the performance of "Country Blues", as epitomized by "Jelly Roll" 
Morton.
 
The term "Finger Style" guitar is 
obviously tortured, as there are no legitimate alternatives to the use of one's 
fingers to play guitar or any other instrument that isn't driven by a pedal. 
Just for the sake of considering 
this subject, the guitar is an instrument that produces sounds by making tightly 
drawn steel and/or nylon strings vibrate, and there are several ways to "attack" 
the strings to set them in to that motion. One may use a plectrum, a "pick", to 
snag and release ("pluck") single strings, or drag across a number of strings to 
produce a "strum" sound. One may "tap" strings, striking a string against the 
fret board (along the neck of the guitar) to set it in motion at a specific 
pitch. These aspects of producing sound on a guitar are largely "dominant" or 
"strong" hand things, meaning "right-hand" activities for a right-handed player, 
"left-hand" activities for a "lefty".  
The "weak" hand - and these 
designations of "strong" and "weak" have more to do with orientation than 
physical strength - is the one used to form chord shapes and press strings 
against the fret board to play specific notes. 
In Finger Style guitar, the strings 
are "plucked" in two ways. The thumb of the "strong" hand is typically used to 
pluck "down" on the lower strings of the instrument, the 6th, 5th and 4th 
strings. "Finger Style" players often wear a "thumb pick", a plastic wrap-around 
pick that fits onto the thumb and gives some reach into the strings. Other 
players choose to let their thumbnail grow long to become a natural pick. 
The four fingers of the "strong" 
hand also pluck the strings, but typically by drawing upwards in opposition to 
the motion of the thumb. In a highly developed "Finger Style" player, each of 
the four fingers will be used to pluck strings for producing the sounds of 
single notes, duads, triads and whole chords. In some techniques, fingers may be 
temporarily assigned to certain strings, and reassigned with the change of a 
chord. Or, rapid bursts of 16th notes may be achieved by plucking single strings 
in a succession of notes that could only be achieved by using more than one 
finger to pluck out the series. That is an advancement only found in top-flight 
classicists, usually for playing Spanish or Latin styles of music. The thumb may 
also have a role in producing rapid note sequences, but never at the expense of 
the rhythmic bass line. 
You get a range of attacks from 
fully developed "Finger Style" players, including strumming and bashing, but the 
one thing that is constant is the bass drone produced by the thumb. 
A metronomic sense of time is 
required to play "Finger Style" because the technique is developed to allow 
guitarists to play arrangements in their entirety, both melody and bass lines, 
along with rich grace notes and well-considered accents and runs. 
That metronomic timing thing is 
extraordinarily powerful, because it undergirds one's commitment to a piece. 
Once you start playing a song and establish that beat and feel, you are 
committed. Anything less than performing the song through to completion with 
its timing intact and its melody fully expressed is failure. "Finger 
Style" is a real leap into the fire, an attention-drawing high-wire act that 
cannot be said to "work" unless it portrays the composition in a uniquely 
powerful way. One must become the vehicle that transports the listener to the 
place the composer envisioned without breaking the spell by missing a beat or 
blowing a note. 
Mastering "Finger Style" technique 
is no small feat, which is what makes listening to and watching players like 
12-year old South Korean prodigy Sungha Jung so awe inspiring. This style is not 
really something every player would or could aspire to, but is rather a 
"player's-player style". People who love the guitar, and particularly the 
acoustic guitar, may find their musical worlds hugely expanded by pursuing this 
line of study. After one has grown bored with playing "rhythm guitar" to classic 
rock tunes, or copying the solo sections of classic recordings, or even holding 
down one of these roles in a bar band, new fascination in the instrument may be 
found in the considerable time it takes to develop into a "Finger Style" player. 
"Finger Style", more than any other 
guitar style (it encompasses so much and so many musical styles, from Latin to 
Country), may seem simultaneously to be so much more and so much less than what 
it appears to be. It tends to bring out the richness in simple compositions, the 
subtle shadings and tonalities that make up the heart of a piece. It also adds 
great depth and complexity to compositions and can often fool the ear. A case in 
point is the music of Robert Johnson, which on first listen may sound 
extraordinarily primitive, more "rustic charm" than "music", but on subsequent 
listens it grows more and more complex and full. Guitarists sitting down to 
learn Robert Johnson tunes quickly become confronted with a world beyond 
immediate perception, and this is part of why hard-core musicians often fall in 
love with the blues, which has this mystery at its foundation and core. It isn't 
all just about SRV hammering out "Cold Shot", wonderful as that is. 
"Finger Style" is also why so many 
musicians become acoustic guitar fanatics as they grow older. At some point, 
some may lose interest in the electronic effects that drove the songs of their 
youth and opt for rich wooden sounds that land more gently on their aging ears. 
That is not as sad as it sounds. 
"Finger Style" technique is the 
final fulfillment of many a guitar player's ambition, which is to be taken 
seriously as a musician. 
I remember my father asking me, when 
I was kid and first learning the rudiments of playing the guitar, how and when I 
would start to work the melody lines of the songs I was learning into the chords 
I was strumming. He had seen and heard this and watching me struggle just to 
make chords, and not being a guitar player himself, he wondered how it could all 
ever come together. At the time, when roles in bands tended to be simplified and 
assigned in terms of "Rhythm" and "Lead" guitar, I simply had no idea. It really 
never occurred to me to literally play the arrangements in the sheet music that 
was available to me, beyond strumming the chords and changing at the appropriate 
intervals. I don't know what I thought all those notes on the page were there 
for; pianists, I guess. I would just learn the odd solo parts from songs by 
"copying" from records, which were more or less useless played out of context, 
at least after you had impressed your young friends with your new licks once or 
twice. And, mostly, I would bang away at chord changes for the purpose of 
accompanying my own pained vocals. 
There is a limit to what a kid can 
do with that. 
"Finger Style" is the "piano 
approach" to guitar, the Full Monty of player development. It is the door that 
opens and transitions an aspirant from "Player" to "Guitarist", in the process 
gifting that musician with a satisfaction that is reborn with each new piece of 
music found there to be interpreted. 
- RAR 
  
___________________ 
  
Posted September 10, 2009 
My Most Sincere Apologies, Mr. 
Jeter 
Back 
in June, writing as a disgruntled Yankee fan, I suggested that the Yankees, 
supposedly unable to field ground balls to the standard of a major league team, 
position themselves more as would a "10-man" girls softball team. I suggested 
they "do the Jeter", which just struck me as funny, but obviously implied that 
our captain, as great as he has been, had lost a step over the years and was 
now, on some level, "laughing stock".
 
Since writing that - and I am not 
suggesting that doing so had anything to do with anything - our man Derek Jeter 
has gone on, at age 35, to have something like the greatest year of his career.
 
OFFENSE:
Check these 2009 stats (after 
141 games) vs. his Projected 2009 totals vs. his career averages for a 162 game 
season: 
  
	
		| Derek 
		Jeter | PA | AB | R | H | 2B | 3B | HR | RBI | SB | CS | BB | SO | BA | OBP | SLG | OPS |  
		| 2009 - 141 
		games | 632 | 564 | 97 | 186 | 26 | 1 | 17 | 62 | 25 | 5 | 60 | 77 | .330 | .397 | .470 | .867 |  
		| Projected 
		2009 | 763 | 649 | 112 | 214 | 30 | 1 | 20 | 71 | 29 | 5 | 69 | 89 | .330 | .397 | .470 | .867 |  
		| 162 Game Avg | 743 | 657 | 120 | 208 | 33 | 4 | 17 | 81 | 23 | 6 | 67 | 111 | .317 | .387 | .459 | .846 |  
This season, Derek Jeter is 
improving on his career averages in Plate Appearances, Hits, Homeruns, Stolen 
Bases, Bases on Balls, Strikeouts, Batting Average, On Base Percentage, Slugging 
Percentage, and On Base Plus Slugging Average.  
In fact, Derek Jeter is having the 
kind of year in 2009 that Carl Yaztremski had in his MVP year of 1967 
with the Boston Red Sox; a year that cemented him in the minds of baseball fans 
everywhere as one of the all-time greats. 
	
		| Carl 
		Yastrzemski | PA | AB | R | H | 2B | 3B | HR | RBI | SB | CS | BB | SO | BA | OBP | SLG | OPS |  
		| 1967 - 161 
		games | 680 | 579 | 112 | 189 | 31 | 4 | 44 | 121 | 10 | 8 | 91 | 69 | .326 | .418 | .622 | 1.040 |  
Comparing the two is apples to 
oranges in that Yaz was a power hitter who rarely struck out and drew the kind 
of walk totals that long ball hitters do. Still, Yaz was not playing baseball's 
most challenging position, shortstop, as Jeter does. 
Jeter has been so consistent on 
offense over the course of his career that it is easy to take him for granted. 
He is a first ballot Hall of Fame player based on 15 years of offensive 
excellence. He has batted in the leadoff spot all of this year, where over his 
career he has primarily been a #2 hitter, and some stats (e.g., RBI) may reflect 
that, but overall Jeter seems to have gotten and given the Yankees a boost from 
his elevation to the #1 slot. 
DEFENSE: 
Jeter has not gotten younger and 
quicker - on average, he gets to fewer balls than the average major league 
shortstop (4.35 put outs and assists per 9 innings vs. the league average for 
shortstops of 4.56), but Jeter has cut his average number of errors per 162 game 
season by about half. He is fielding the balls he reaches in 2009 at a .986 
success level, compared to the league average for shortstops of .976. His number 
of chances may be reduced by the change this season in the profile of the 
Yankees pitching staff, now including starters C.C. Sabathia, A.J. Burnett and 
Joba Chamberlain, who strike out a great number of hitters and tend to yield a 
lot of fly ball outs. Yankee fielders, overall, have fielded at a .985 vs. a 
.984 MLB average. The Yankees have, on average, gotten a few less chances per 
game than the MLB team average (36.7 vs. 37.4). 
MEA CULPA: 
Overall, when someone is performing at the level of excellence that Derek Jeter 
is in 2009 (and throughout his career), he shouldn't be taunted with accusations 
that he be deployed more as might a roving shortstop on a girl's softball team. 
I am sorry for that. If the Yankees go on to win the World Series, as they may 
well, then perhaps Derek Jeter should get the AL Most Valuable Player honor, 
which he richly deserves (Joe Mauer's extraordinary season not withstanding). 
And perhaps I will need to withdraw my application to take over Joe Girardi's 
slot as Yankee Manager. 
- RAR 
  
_______________________ 
Posted September 8, 2009 
Weird Healthfellows 
The "Greatest" Meets 
the "Me" Generation 
 
Watching 
the turnout for the public meetings being held by elected officials to discuss 
the health care initiative, one can’t help but be struck by the plurality of 
right-wing dufus types (see the NPR picture at right) and senior citizens at 
these “rallies”. Is anyone else showing up? These gatherings appear to be 
septuagenarian support groups for aging aunts and uncles chaperoned by NRA card 
holders. And, of course, grandma and grandpa are there, if only in spirit, 
having gotten the word that supporters of “the public option” want them all to
just die.
 
Some of us may also be struck by the 
disproportionate representation of Republicans at these public meetings. 
Conservative Republicanism and old age go together, an observation supported 
recently by metrics showing that the core audience for Rush Limbaugh’s radio 
show and the Fox News Channel is 67 years of age. Perhaps it should be no 
surprise, as these "dinosaurs" approach the edges of their personal tar pits, 
that they are susceptible to the fear mongering that is the standard fare of 
right wing demagoguery. 
The thing that really hits me 
though, watching these televised debacles, is the abundance of irony represented 
by the resistance of seniors who don’t trust the government to run health care, 
though in so many ways so many of them owe their very lives to the government 
they apparently now disdain. 
This, after all, is in part Tom 
Brokaw’s “Greatest Generation”, the people who saved the world from Adolph 
Hitler. These are the people, we are told, who sacrificed unselfishly so that we 
could have the America we know today. 
But then that is part of the 
problem, isn’t it?  
The America of today is a nation in 
decline following a successful decades-long campaign by right-wing economists 
and influential business leaders to remove government oversight from all aspects 
of our lives (through deregulation, including actions like the dismantling of 
the Glass-Steagall Act). This, not surprisingly, was accompanied by an 
overwhelming revolution in consumerism that washed the decks of public 
responsibility and gave the thumbs up to conspicuous consumption, even among the 
lower income groups (see Walmart). 
The result is that progressive 
policy makers, and fewer and fewer even exist, are now confronted by the 
conservative wrath in force at the health care meetings today, which come in the 
form of a most confounding beast, a two-headed creature: 
	
	
	One, the senior population, that 
	survived the inappropriately named "Great Depression" and then prospered 
	largely due to progressive public policy (and world war) and now fear that 
	the benefits they accrued will be taken from them, and
	
	Two, the Baby Boomers who were nurtured at the teat of the 
	aforementioned "Greatest Generation" and supplied with easy credit on which 
	to build their "me empires" and now fear a reduction in their capacity for 
	prospering under the weight of imposed public responsibility 
THE GREATEST GENERATION: 
 
The generation that birthed the Baby Boomers was a humble and grateful lot, the 
original "Grateful Dead" in so many ways. Without the benefit of broad media and 
under the influence of monopolized political communications (like the Hearst 
publications syndicate), they appreciated the Works Projects Administration 
opportunities of the 1930s and they showed up ready to go when Uncle Sam told 
them they were needed for service to country abroad in World War II. Through 
their blood, sweat and tears, to borrow a cliché, they made history by turning 
back hostile international adversaries fore and aft and bringing about an 
industrial revolution here at home. It followed that they were molded into a 
generation that placed the greatest emphasis on shared sacrifice and compliance 
to social norms.  
Here, as it happened, was the open 
wound that allowed the infection of "unenlightened politics" to establish itself 
and fester. Returning from the war abroad, Americans melded comfortably into the 
new "age of tomorrow", with its creature comforts and vast and ready resources. 
The GI Bill helped a generation of veterans gain educations that had previously 
been unimaginable for the working class, and it also allowed them to buy starter 
homes at low prices and at low interest rates, often for no money down. The 
accumulation of societal wealth that followed was “the American Century” made 
personal. And then it got better. Medicare took some basic health care burdens 
from the shoulders of people 65 and older, providing a guaranteed level of 
service to meet the needs of seniors who are by far the greatest users of health 
care. The Greatest Generation “sold out”, to use the jargon of their children’s 
generation; “sold their souls to the devil”. That was the smart bet, the 
expectation, the norm, and if you could fit in through employment with some 
mega-corporation, all the more impressive. The thing is, over time those norms 
and living denials became more and more corrosive to justice until corruption 
swelled throughout the U.S. economy and the U.S. way of doing business became 
more and more predatory. In the course of gathering our shells and protecting 
our gains, we ignored the ramifications of what was being created.  
THE ME GENERATION: 
The generation that I belong 
to, the Baby Boomers, the "Me Generation", was always disconnected from 
government and at ironic odds with our parent's generation. This is part of what 
makes the current health care debate so convoluted, with its polarized parties 
and its convergence of seniors and right-leaning Baby Boomers. 
My generation is one that has not 
developed much of a relationship with public or moral responsibility. The 
greatest societal events of our lives have largely been repugnantly negative, 
from the political assassinations of the '60s and the Viet Nam War, with its 
conscriptions and high body counts, through the corruptions in the Executive 
Branch of government associated with Watergate, through the dismally 
pain-indexed Carter Administration, and right on into the "greed is good" 
excesses of the Reagan years and beyond.  
The steadily dissolving standards of 
American decency, and the watering down of American democracy through such 
things as media conglomeration, have rewarded the aggressively amoral among us 
until finally the U.S. has come to feel like a cage match, where the worst thugs 
prevail. The big winners are Ed Zander of Motorola, Franklin Raines of Fannie 
Mae, Gary Pruitt of McClatchy Co., Gerry Levin of Time Warner, Chuck Prince of 
CitiGroup, Bob Nardelli of Home Depot and Chrysler, Stan O'Neal of Merrill 
Lynch, Dick Fuld of Lehman Brothers, Kerry Kellinger of Washington Mutual, Rick 
Wagoner of General Motors, Gary Forsee of Sprint Nextel Corporation, Ken Lay of 
Enron, Bernie Ebbers of Worldcom, Richard Scrushy of HealthSouth, Angelo Mozilo 
of Countrywide Financial, Al Dunlap of Sunbeam Corp, Jimmy Cayne of Bear 
Stearns, John Sculley of Apple, Martin Sullivan of AIG, Larry Ellison of Oracle, 
John Chambers of Cisco Systems, and of course the redoubtable Donald Trump, Rush 
Limbaugh, and Howard Stern, all figureheads of importantly errant money 
machines. 
Down at the street level, all of 
that mendacity translates into an ethos that says "there is where I want to be 
so get the hell out of my way", because why not? The alternative is compliance 
with the new social norm, which is slavery to revolving credit and the financing 
of unredeemable debt. There is a better alternative, all one needs to do is keep 
the government out of one's pocket. 
THE CONSTITUTIONAL DRAWBRIDGE: 
 
The "Get Out of Jail Free" pass for both of these polar opposites is the same, 
which is their avowed allegiance to the U.S. Constitution, a document that 
doubtless few have read. We Americans are an odd lot in that way. The other 
document that holds us safe from any point of view that might vary from our own 
is the Holy Bible, specifically the New Testament. 
The point of view argued by many of 
those who don't wish for health care to become a universal right in the U.S. is 
that it is not provided for in the Constitution or any of its Amendments. That, 
of course, is open to interpretation as the documents we choose to cite usually 
are. The Preamble to the Constitution states specifically that the idea of the 
thing was "...to form a more perfect union, establish justice, insure domestic 
tranquility, provide for the common defense, promote the general welfare, and 
secure the blessings of liberty to ourselves and our posterity...", which I 
think could be argued as grounds for almost anything, depending upon 
one's definitions of perfect union, justice, domestic tranquility, common 
defense, general welfare, blessed liberties and posterity. 
One could, for instance, translate 
the pro health care position into this statement:  
	
	"So that I may feel more 
	comfortable hanging out with my fellow Americans, I am going to provide just 
	access to health care services as a matter of maintaining the quality of 
	life in our neighborhoods, ensuring against civil unrest related to 
	inadequate service delivery and establishing commitment to community as a 
	standard to which future generations must be measured." 
Or, one could use the same Preamble 
text to argue against universal health care, or gun control, or anything else 
that makes sense. To wit:  
	
	"So that I may feel more 
	comfortable hanging out with fellow Americans who have earned our right to 
	domestic tranquility and a perfect union, which excludes the right of any 
	party to intrude upon my privilege of liberty, I am committed to seeing that 
	justice is done to those who threaten our way of life, to providing a common 
	defense against all adversaries, and to protecting our general welfare for 
	the purpose of ensuring our continued existence." 
It really just comes down to a 
matter of how mean you wish to be in the exploitation of our "sacred text". And 
by the way, the Constitution was not handed down to us by supreme beings, as the 
radically devoted may imagine. These are the same people, I suspect, who journey 
to the Creation Museum in Petersburg, Kentucky, which presents exhibits based on 
a literal reading of The Book of Genesis mixed in with a healthy dollop of 
Hanna-Barbara. 
The Constitution was a compromise 
document that roughly half of the Constitutional Congress, convened in 1787, 
didn't even want to bring into existence. They already had the Articles of 
Confederation and Perpetual Union in place, which had been more than 
sufficient in the eyes of those state leaders who, over the brief existence of 
the country, had carved out some wonderful kingdoms which they were prepared to 
rule into perpetuity. 
You never hear these modern day 
devotees of the U.S. Constitution go on about the Articles of Confederation
as if they were sacred text, though back in 1787 when the Congress convened 
they were under the impression that they were amending the Articles, not 
drafting a new foundation document. After all, the Articles had created a 
"Perpetual Union" with language that it could never be abrogated by any 
subsequent writing. But it was. 
In fact, the framers of the "new" 
Constitution, primarily Virginians led by James Madison, were all about tossing 
out a flawed framework that gave way too much power to men who represented only 
a few (the Rhode Island leadership, for instance) and gave way too little power 
to states with large populations (i.e., Virginia). The long, hot Philadelphia 
summer of 1787 was a miserable exercise in the kind of politics that "democracy" 
has become noted for, which equates to obfuscation of ideas, demagoguery, 
purposeful delay, filibustering, threats of walkout and worse. The squabbling 
was so great that occasionally the leadership would have "the ancient" 81-year 
old Benjamin 
Franklin carried in on a chair to listen to the debate and act as a mediating 
influence, a wiser head. General George Washington, who was preordained to become the first 
President of the United States based on his leadership in the Revolutionary War, 
did not attend the day to day shouting matches, but showed up only on rare occasions 
to act as the adult in the room. Thomas Jefferson took the entire fiasco in from 
abroad, France to be specific. In the end, the document that the founders 
produced, the Constitution of the United States of America, was hardly more than 
a procedural manual that defined the branches of government, how elected 
officials would come to exist, and how the basic machinery of it all would work.
 
What it did not do was offer any 
specifics regarding the standard of our national character. The great statements 
of purpose are all marketing fluff useful only inasmuch as it fosters the kind 
of policy debates we still have going on today, 200-plus years later. The 
details started to be added through the Amendments, which themselves are among 
the most ambiguously worded codicils in the history of legalese (e.g., the much 
quoted 2nd Amendment, "A well regulated militia, being necessary to the security 
of a free state, the right of the people to keep and bear arms, shall not be 
infringed." We are still trying to figure out what that historically awful 
sentence must have been intended to mean, and in the vacuum of clear direction 
we have granted to individuals the right to bear arms.) And, of course, the 
Amendments themselves have sometimes been devised to overrule previous 
amendments (the 18th and the 21st, regarding Prohibition). 
The point is, the Constitution in 
all of its fuzziness is simply the draw bridge that is retracted when those of 
us who have assets to protect wish to insulate ourselves from the encroachments 
of those who don't as well as those government officials who may wish to engage an 
unwanted authority. 
MORAL GUIDELINES: 
 
What we don't really have in the U.S. is anything in the way of moral 
guidelines. We have nothing that really defines our national character, because 
discussing our differences as individuals has been too painful to ever yield 
anything in the way of a shared national way of thinking. If you ask most Americans 
what would best describe our "American character" it would not doubt be some 
individual characteristic, like rugged individualism, self reliance, or fierce 
independence. This is both beside the point and the point itself.  
We may all be rough, rugged, 
fearless freedom fighters, and whatever self-puffery feels good to us in the way 
of self descriptions, but we are all still living together in a community in 
which resources are shared and expenses and burdens are interrelated.  
Maybe we need an old man, like 
Benjamin Franklin, to be carried in on a chair to remind us all that we are 
eventually going to have to grow up and make some serious commitments to the 
continuance of our society, before the denials, the high-flown philosophical 
positions, and the demagoguery render us so sick that the nation's health cannot 
be sustained. - RAR 
  
  
 
  
_____________________________________________________________________ 
Posted June 30, 2009 
  
	
		| Inured No Longer 
		
		The Undeniable 
		Heaviness of Mendacious Demise |  
		|  |  
		| 
		I 
		wasn't particularly affected when Michael Jackson died suddenly 
		(unexpectedly?) last week. While an admirer of his talent, he wasn't 
		really of my generation, though born in 1958, Michael was a "50s" 
		child like myself. Let that sink in for a moment and you start to get a 
		sense for the disconnections that characterized his 
		claustrophobic, shortened existence. I think it is captured, to tragic 
		effect, in the shot above (uncredited from shamelesshype.com). In many 
		respects it is among the more flattering of the last photographs taken 
		of Michael Jackson, and yet it makes me sad to look at it. Those are the 
		eyes of an old man, a sad one, and it makes me feel empathy for the 
		person whose soul they are windows into. That they are the eyes of a 
		prematurely old individual brings into sharp contrast MIchael 
		Jackson's fantastical worldview and his own experience with living. He 
		seemed to me to be stark raving mad, in a largely, not completely, 
		benign way, like "The Hatter" in Wonderland. It is the back story that 
		makes it all unsettling, the probability that this weird, intensely 
		talented person was created out of love and abuse, every step along the 
		way. 
		Remember B.F. Skinner's "air 
		crib"? When I was in college it was often called his "baby box". It was 
		a chamber intended as a controlled environment to make the process of 
		raising a baby cleaner and easier for the caretaker. 
		Michael Jackson was famously 
		and figuratively raised in such a box, created by his driven, 
		domineering father and his Jehovah's Witness mother. Like a controlled 
		experiment, it met its objectives while producing unexpected outputs. I 
		think you could consider establishing your children as a work unit an 
		objective reached. The unexpected would be the level of fame that came 
		to the Jackson 5, and then the hyperbolic levels it reached in the solo 
		manifestation of Michael Jackson. The sweet little boy who grew up in 
		isolation, denied the social interactions that tend to calibrate people 
		to behavioral norms, was finally and irrevocably isolated by the 
		fanatical devotions of strangers. Is it any wonder he was known, 
		in the 1980s, to sleep in a hyperbaric chamber? 
		As investigations into 
		Jackson's death reveal the role that AEG Live, the concert promoter for 
		Jackson's planned 50-show run at London's 02 Arena, were playing in his 
		life, one is struck by the patterns of abuse that are repeated in 
		Michael Jackson's story. Handlers can rationalize a lot of things when 
		the reasons all have to do with producing money. People get paid, 
		families get fed. People holding contracts get rich. Michael Jackson was 
		reported to have been nearly a half billion dollars in debt at the time 
		of his death, but there was a plan for him. He would just have to 
		rehearse every day to recapture the old magic, get and remain energized 
		and healthy. He just had to stay focused on being the money machine that 
		he had been since he was a child. He just had to disconnect from time 
		and the reality of his own mortal limitations, and just be Michael 
		Jackson 50 more times. Or maybe more. There was talk of extending the 
		engagement into a worldwide tour, to just keep going, to just keep 
		cashing checks. 
		It was going to be Michael 
		Jackson's way out. 
		- RAR   |    
		
			| From May 9, 
			2009 
				 From May 7, 
			2009 Making Things Remain 
				Possible... 
			On A Busy Artist's Time When 
			I was a kid, I was gripped with fear at the prospect of committing 
			to a "regular" job. Like those storied tribes of the Amazon 
			rainforest who blanch at the idea of having their images taken from 
			them by a camera, I suspected that life lived regular would 
			steal what feels like the very essence of me, which is my 
			artistic spirit. (Yeah, you laugh, but I feel that way.) I haven't 
			really changed over the decades, which makes me sound like a 
			vampire, but so be it. I have been fighting the good fight against 
			what we in the '60s used to call "conformity" - a loaded descriptive 
			- for 43 years. I count that from the first summer job my parents 
			got for me, which was in a pit under a Kansas grain elevator, where 
			I worked 48 hours a week in the sweltering summer of 1966, most in 
			respirator mask and goggles, shoveling wheat into a broken, 
			dust-belching auger. I got $1.25 an hour and a bad taste in my mouth 
			regarding the mis-marriage of fruits and labor. That lowly beginning was all it 
			took to convince me that hard work was not only not its own 
			reward, but was something that, left un-managed, could steal your 
			enthusiasm for each new day. And so I have marshaled through the 
			years, doing my best to exist at the fringes of commonality, but in 
			a manner comfortable enough to accomodate my ironic need for the 
			normalcy of domestic life, including family and mortgage. Maybe my choices haven't exactly 
			been strictly bohemian, as I might have preferred. I make my 
			living doing technical writing projects on a "consultant" basis now, 
			but in the past have worked in staff writing and editing positions 
			at architecture and engineering, information technology, and 
			training firms. I have worked as a writer on various weekly and 
			daily publications. It has been pretty standard stuff, largely 
			mundane, and I have been rigid about keeping it balanced, as best 
			I've been able, with my off-the-clock interests. Like most right-brained people, 
			and I mean that in the technical rather than the 
			judgmental sense, I was more or less convinced as a young person 
			that my life would end if somehow I lost the time required to write 
			my masterpieces - I have always been a plural thinker - and 
			follow my bliss. I don't think I thought even then that there was 
			some big reward coming my way in the end, I just felt strongly 
			compelled to spew everything I could think of out onto the page. 
			Why? Who knows. People sometimes demand explanations, particularly 
			when it becomes apparent that few are those who give one twinky 
			about one's produce.  What one discovers, after years of 
			trying to explain one's self to others who will never understand, is 
			that it is all a waste of gas. One's own creative output may be a 
			waste, but certainly trying to defend one's approach to life is 
			utterly hopeless. Speaking as a writer, if you can't inspire the 
			interest of a reader, it is unlikely that you will personally 
			inspire anyone's empathy with your woeful relationship to life's 
			demands, barring an on-air session with Oprah, and the new-found 
			admiration that comes with income, particularly in amounts 
			obscene. Offering a defense for one's 
			artistic bent also misses the point. This life ultimately belongs to 
			each of us personally and what is right for another may not be right 
			for you; in fact, will almost certainly not be right for you. 
			The answer is not in crafting clever and insurmountable defenses, 
			but in letting it be. Amend that. Letting it be with these rules: 
				You must function as an 
				independent person who causes no inconvenience to othersYou must earn your 
				independence through good worksYou must do what you say you 
				are going to doYou must produce works of 
				authentic value My Mother has always stated, 
			somewhat maddeningly, that people find the time for the things 
			they really want to do. I have found that to be true, now that I 
			am old, and I wish I had absorbed this wisdom when I was younger, 
			because it would have saved me a great deal of angst. EFFICIENCY: 
			I am sometimes amazed, these days, by my own efficiency. This feels 
			weird because I don't think that people perceive me as a 
			particularly efficient person, but I write constantly, roughly 7,500 
			to 10,000 words per day over a range of vehicles, some 
			profit-earning, others not. I publish this website, which takes no 
			small amount of production labor. I market my consultant business, 
			which adds a good 10 hours of time to each "work" week. I grab 
			moments to compose song lyrics and melodies and experiment with 
			arrangements. I use my digital audio workstation to record parts and 
			compose in midi instrumentation. I write fiction, essays and 
			reviews. I research topics. I do the grocery shopping, take the kids 
			to and from school, cook, read, travel to meetings around the Bay 
			Area, play in the park. I catch a little television. I usually find 
			myself in bed by 10:30 p.m. and often start my day between 3:30 and 
			4:30 a.m. My best hours are before 7 a.m., before the family wakes 
			up, when I am electric by my own standards. It has occurred to me that outside 
			of the activities referenced in that paragraph, I don't have much of 
			a life. I have no idea how to vacation and rarely attempt such. My 
			social life is non-existent. I rarely "go out" to a movie or a 
			restaurant. But I find time for the things I really want to do. SHORT-CUTS:
			I have learned that part of 
			using time efficiently is to get smart about the short paths from A 
			to E, which is about as deep into the alphabet as I ever have time 
			to go. Accepting what is do-able is a part of the maturation 
			process. Knowing that you must make each stroke count tends to fine 
			tune one's efforts and over time you get good at it, whatever 
			it is you are doing. I do a lot of things and, quite apart from my 
			earliest inclinations, I think that being busy helps. In my writer's life, I have 
			learned that the best way for me to work is to explode my thoughts 
			onto paper before getting too crazy with thinking about what it 
			should all be. Rule 1: move the project forward. Once you 
			have something started you can make further progress by moving 
			elements around and editing. This second phase of work often springs 
			new ideas to my mind and I find myself creating yet another draft 
			that will require further molding. Using this approach, I typically 
			have developed something by the end of my available time. It may not 
			be a finished something, but there is a tangible output that 
			didn't exist before, and I always seem to learn something in the 
			process, even if the product falls short of what I had hoped for it 
			to be, as they most always do. Technology has done wonders for my 
			musician's life, such as it is. Here again, I can't budget the time 
			to develop an interest in the social side of my musical 
			inclinations. I don't really want to go out and play with and for 
			others. What I do budget time for is songwriting and the design of 
			sonic expression, which I typically do in one of the following ways: 
				Develop a figure on the 
				guitar that will become the musical center of an idea, one that 
				I can quickly record and capture as something I can use 
				as a "loop" around which to build (I use Cakewalk's Sonar 
				Producer software on a PC); or,Chart out chord changes that 
				form a melodic infrastructure to be developed using import 
				tracks and available midi technology RISKY MEASURES: 
			The revolution in digital recording and sampling and in midi 
			instrumentation has gone through a curious arc. The advent of midi 
			instrumentation launched Techno House music, which has been bane to 
			some and life blood to others, and it was an immense presence in 
			popular music in the 1980s and '90s. Then there came a push back, a 
			desire to move back toward the sounds of real instruments, 
			though the days of pure acoustics are largely a memory now at any 
			(sampling) rate. Synthetic, digitally representative sounds have 
			become omnipresent in music production, in part because they lower 
			costs and afford extreme ranges of flexibility to the greatest 
			number of users. Among the earliest off the shelf 
			software to aid with musical production was the Canadian import 
			"Band-In-A-Box", which is a nifty concept that allows the user to 
			apply a wide variety of musical styles to chord changes of one's own 
			choosing. I was introduced to the product years ago by a top L.A. 
			musician who suggested that "it would be perfect for you". I took 
			that as an insult, at the time, but not so much after I became 
			familiar with the product. BIAB, as the software is called to 
			pejorative effect, recognizes that music is performed as a string of 
			repetitive actions, the standardization of which produces a "style" 
			of play. There are obviously styles by the truckload, taking into 
			account the interpretations of individual players who come to stamp 
			their particular brand on musical types. The clever folks who 
			contribute interpretations of playing styles to BIAB are good at 
			parsing the nuances of players known for their distinctive styles, 
			so the off the shelf offerings are immense. BIAB also allows the 
			user to design his or her own style sets, which requires a 
			significant commitment of time, and a significant flexibility in 
			one's thinking regarding musical notation. All BIAB styles are 
			written in a single key, so your notation is indicating variations 
			in steps, which become translated by the program into the chord 
			changes you write for each of five instrument voices. 
			 This section (left) shows a 
			pattern to be played on the guitar in the "New Waltz" style, which 
			works well with songs like Marty Robbins' "El Paso". The default key 
			for BIAB is C, so while in the music for this song the first chords 
			are written as "D", they appear in the patterns per the example at 
			left, which shows the C, E and G notes of the C major triad. The key 
			is the pattern, in which you (or with midi, the computer) play the 
			1st-5th-3rd-5th-3rd notes in the key as written. So in this song, 
			the sounds you hear are D, F# and A, the notes of the D major triad. This two-measure pattern is one of 
			162 patterns of play spread out over five instruments to create the 
			complete arrangement for each of five instrument voices. This 
			pattern is the first played by the guitar in the A section of the 
			arrangement, highlighted in blue in the screenshot below. As shown 
			in that screenshot, BIAB styles map out into A and B sections, with 
			multiple subparts for each, including measures in various time 
			signatures. 
			 This 
			next screenshot below shows the second two-measure guitar pattern of 
			the A section, which offers subtle variations on the theme 
			established with the first pattern. The quarter note on the third 
			beat of the first measure is played as a "D" rather than an "E" as 
			it is in the first pattern. In the second measure, the quarter note 
			on the third beat is also played as a "D". Or, more precisely, it is 
			played as flat thirds, or minor triads. 
			 Professional musicians largely 
			recoil at such breakdowns of musical performance, calibrated to be 
			played by your "robot computer", their disparagements ranging from 
			the shortcomings of midi sounds (largely dependent upon the quality 
			of one's sound card) to the fact that they are not being produced 
			through the blood, sweat and tears of real people. While I am largely in agreement 
			with those attitudes, I am also of the opinion that this BIAB 
			program, and others like it, should be a part of every public school 
			music program because they brilliantly deconstruct musical 
			composition into comprehensible bites. There is much to be 
			learned from this, which is my reason for guiding you through this 
			tutorial. Optimize your possibilities by using the available 
			options. Move your projects forward. PROCESSING IDEAS: 
			While I wouldn't argue that the midi revolution has helped the 
			overall quality of sound - once you have attuned your ear to its 
			characteristics, you realize that you hear it everywhere in the 
			media, which must be deteriorating our sense of what pure acoustic 
			sound is - it is an extraordinary boon to compositional creativity. 
			It allows the average bloke, like myself, to create a demo version 
			of a tune in a short amount of time that is light years better than 
			could have been achieved a quarter century ago by a talented 
			multi-instrumentalist with a home 4-track recorder. BIAB has limitations that are too 
			great for me to accept, but that doesn't mean it isn't valuable. I 
			sometimes use the software to capture a basic arrangement of a chord 
			progression, with something close to the feel I hope to achieve. As 
			clever as BIAB's style producers are, I can never quite fit their 
			work to the feel I want for my own compositions. If it is a country, 
			jazz or pop tune, I can usually come close enough that I can save a 
			version as a midi file that I will then import into Cakewalk's Sonar 
			Producer. Sonar allows me to edit all five tracks that are imported 
			from the basic BIAB arrangement, and usually with some minor tweaks 
			in the notation editor of Sonar I will get the song dialed in closer 
			to how I want it. I often just use the bass, drum and piano tracks, 
			saving the guitar work for myself to balance the midi 
			instrumentation with "real" strings. Sometimes there just aren't any 
			short cuts one can take. I can't gain any benefit from BIAB with 
			pure rock feels, which I typically build from scratch using Sonar's 
			notation tools. Drums are always the hardest for me, as I am a 
			non-drummer, and I never seem to find "canned" beats (which Sonar 
			offers) that do what I want. I end up creating my own "loops", which 
			takes me right back to the BIAB model shown above, i.e., set 
			repetitions that add up to play the style of the song. WORKING FAST: 
			My whole point in starting this piece was that I am focused on 
			efficient use of the little time I have available for any one of my 
			multiple projects. This little intro to BIAB and Sonar Producer's 
			midi notation capabilities is offered as one example of tools I use 
			to make the best use of my time, though some may argue that I might 
			find more valuable things to do. Doubter voices aside, my focus 
			with music production is on developing instrument parts quickly, and 
			where the guitar parts are concerned, which I typically record 
			"live", I have endeavored to become adequate to the task of quickly 
			writing and recording a song at least well enough that I can stand 
			to hear it back. I never consider my guitar parts more than 
			"sketches". This may not seem a high standard to shoot for, but it 
			is like I said earlier, I do what I can with the time I have. The 
			toughest challenge for me is that I am usually recording my guitar 
			parts the one and only time I will ever play most of them. That 
			gives me kind of a rush, like a captured moment that one hopes is 
			inspired. It isn't always, but working that way keeps projects 
			moving forward. I do the vocals the same way, 
			doing most in not more than a few takes. Sometimes I'll keep a 
			handful of full performances and then cut and snip the best parts 
			and put them together in Sonar, which is where I do all my 
			recording. I usually don't put more than a 
			few hours in to any of the originals I produce as demos, and yet 
			they have gotten better over the years. Some weeks are tougher than 
			others, but on average and using the available technology I write 
			and record, to various degrees of completion, two or three new 
			originals each week, year around. And yet it can't account for more 
			than 10 percent of my waking hours. I may not be great as an artist, 
			but I have done the one thing that I never believed was possible 
			back in my youth. I have learned, in large part, to master my own 
			time. The hub-bub of life does not own me anymore, which means my 
			spirit is still alive. And that remaining the case, anything remains 
			possible. 
			- RAR   |  
			| 
			From May 6, 
			2009 An Update: Plaudits for 
				Kaiser Home Care The story that follows is 
				really hard on Kaiser Permanente, particularly their Emergency 
				Room staff and practices, and the "care givers" in the Kaiser 
				hospital. The depiction of the ER staff as uncaring and 
				unresponsive is completely accurate from our family's experience 
				with them, and feelings of bitter resentment will be slow to 
				dissipate. That said, the "home care" specialists who have 
				visited the Rice household repeatedly to provide post-surgical 
				care have been nothing less than spectacular. They have been 
				professional, thoughtful and extremely caring and if the entire 
				U.S. health care system operated as they do, we wouldn't be 
				writing articles about the U.S. health industry's lowly status, 
				37th among all nations according the World Health Organization. 
				Kaiser home care has been exceptionally good and the Rice 
				family wishes to thank them most sincerely. 
				- RAR   From April 24, 
			2009 The Sorry State of U.S. 
			Healthcare Personified Oh Kaiser! 
			You Are Killing Us! 
			 In 
			Michael Moore's documentary on the U.S. healthcare system, Sicko 
			(click here to read 
			a review on RARWRITER.com), there is a section in which 
			President Richard M. 
			Nixon is captured on one of the notorious Nixon White House 
			tapes talking with his domestic advisor John Ehrlichman about how 
			impressed he is with Henry J. Kaiser, the steel baron and 
			founder of Kaiser Permanente, whom Nixon admires for finding 
			a way to turn provision of health care into a profit-making 
			enterprise. That audio clip itself is enough to make you sick, and 
			most certainly it is the personification of the film's title. Kaiser Permanente came into 
			existence in 1952 as an extension of a health care model developed 
			for Kaiser shipyard and steel workers in the 1930s and '40s, and 
			which opened its enrollment to the public (non-Kaiser employees) in 
			1945. Today, Kaiser Permanente is, according to the company website, "a 
			working partnership of two organizations: the not-for-profit Kaiser 
			Foundation Health Plan and Hospitals, and the Permanente Medical 
			Groups." Kaiser Permanente was the first of 
			the Health Maintenance Organizations (HMO). The Nixon administration 
			championed the HMO concept as a fix to rising health care costs and 
			the Health Maintenance Organization Act of 1973 created a special, 
			protected category of health services. The act established the HMO 
			as a mechanism within which subscribers paid fees (premiums) to gain 
			access to a network of doctors and hospital facilities. In return, 
			the HMO received mandated market access and federal development 
			funds (taxpayer money). The corporate welfare wasn't the only 
			advantage afforded to the crafty Kaiser. Under the 1974 ERISA Act, 
			Kaiser and his band of lawyers established a protection against 
			state common law tort lawsuits, putting in place a Federal law that 
			protected HMOs from malpractice litigation on the grounds that the 
			decisions regarding patient care are administrative rather 
			than medical in nature. That is worth repeating for emphasis: Under 
			ERISA, HMOs like Kaiser Permanente were protected from malpractice 
			litigation because decisions regarding patient care were defined as
			administrative rather than medical decisions. Here you 
			have the smoking gun that for the last 35 years has taken decisions 
			on your health out of the hands of your physician and put them in 
			the lap of bean counters and faceless corporate administrators. This 
			was the beginning of the end of quality health care in the United 
			States, accounting for why the U.S. is now viewed as having the 37th 
			best health care system in the world (according to the
			World 
			Health Organization). That's right, the "richest" nation 
			on the planet delivers poorer health care to its citizens than do 
			many eastern European, formerly Soviet-block underdeveloped nations. The story below puts a face on 
			what this means for real people, in this case the Rice Family of 
			Benicia, California. * * * * * MANAGED CARE: 
			Two weeks ago, my wife became ill and for days she stayed in bed at 
			home, growing sicker and sicker. She felt poisoned. She couldn't go 
			to the bathroom, couldn't eat. Then she started to vomit. We contacted Kaiser 
			to request an appointment with her doctor. That could not be 
			arranged the day we called, but we were told a Nurse Practitioner - 
			a strange locution - could see her, so an appointment was made for 
			that. Joanne's color drained from her usual Olive complexion to a 
			weird grey.  When we arrived for 
			the appointment, we got right in but my wife was seen for less than 
			5 minutes and was sent away suggesting that she double the dose 
			of over the counter stool softener that she was taking. Kaiser's 
			pre-printed instruction called for the commercial product Dulcolax, 
			which carries a warning label that the product not be used if the 
			patient is experiencing nausea or fever. She returned home to bed. EMERGENCY: 
			On the following day, a Saturday, she began to run a fever and 
			experienced sharp stomach pains. We rushed to the Emergency Room at 
			Kaiser Vallejo (CA).  When we arrived, 
			there were a handful of people in the waiting room. Joanne 
			registered at the window, where a receptionist sat behind a thick 
			glass partition and spoke to us through a little vent, instructing 
			us to speak loudly so we could be heard. Security personnel were 
			stationed in the waiting room, where we were instructed to wait 
			until a physician could see her. We sat there for 4 
			hours, during which time Joanne's condition grew worse. She doubled 
			in pain and began to cry.  We repeatedly went to 
			the protected reception area and pleaded for someone to see her, but 
			were instructed to wait. Eventually her pain 
			became so great that I complained to the receptionist that we needed
			immediate attention. Apparently uncomfortable at the pressure 
			we were putting on her, she disappeared from her station and 
			remained absent, even while we stood at the window, unwilling and 
			unable to simply sit any longer in the waiting room waiting for 
			medical attention. When she finally returned to her station, I told 
			her that it didn't feel to us like the ER staff was doing anything 
			to respond to what was obviously an emergency situation. She asked if I would 
			like to speak with the 
			Assignment Nurse, who soon 
			enough came out to talk to us in the hallway. She told us there was 
			nothing they could do because there was no bed available. I told her 
			that we didn't need a bed, we needed a doctor! She replied 
			that they had to get a bed for patients before a doctor could 
			examine them. (Really? Doctors Without Borders examine people where 
			they find them in Africa: in a hut, outside, lying on the ground, 
			etc.) I pleaded with the 
			Assignment Nurse, asking if Joanne could be put on a gurney in the 
			hallway - anything to get her seen by a doctor - but she said no.
			 I asked if we called 
			an ambulance - there were two of them parked not more than 50 feet 
			away from us, just outside the door to the ER - if we could be seen 
			immediately. There were people being carted in from arriving 
			ambulance units. The Assignment Nurse 
			seemed to find this funny and again refused us service. I asked, in all 
			sincerity, if she could tell us if there was some alternative to the 
			Kaiser ER where we could get immediate help for this situation that 
			was deteriorating rapidly and had been for more than 4 hours. I 
			asked "Is there anyplace else we can go to get help?" "You can go wherever 
			you want," she replied with a smarmy, baited smile. STUCK IN 
			PURGATORY:  The 
			problem, of course, is that we can't go wherever we want, though 
			there are other hospitals in the area. Our health coverage, through 
			my wife's employment with the Benicia, California school district, 
			is with Kaiser. It is, in fact, one of the primary reasons she works 
			for the school district, outside of being in love with teaching. The 
			amount of money taken from her pay to cover the Kaiser monthly 
			premium takes all but $500 a month from her paycheck. (In the U.S., 
			we don't value teachers much either.) Like many Americans, she works 
			for almost no pay, just coverage. And the Kaiser ER 
			wouldn't provide service for the money we pay. I reminded the 
			smarmy Assignment Nurse 
			- and I'll try to get her name for the benefit of us all, so she can 
			be watched - that we were asking to receive services for 
			which we pay dearly and routinely. This was not charity or a favor 
			we were asking. We were needing the health care we had purchased 
			with hard work. It didn't mean a thing to her. "What if she dies in 
			your waiting room?" I asked. The Assignment Nurse 
			just smiled, as if it was offered as a funny aside. We refused to return 
			to the waiting room, as instructed. We just stayed at the little 
			window, staring in at the staff. People came and went and we waited, 
			my wife crying, looking terrible and doubled over in pain. It seemed we finally 
			pressured our way in. They allowed Joanne to lay on a gurney in the 
			hallway and I sat on a chair next to her, waiting for someone to 
			help. Suddenly the doors of 
			the ER burst open and a woman, who apparently had experience with 
			this ER, pushed a man in a wheel chair to another empty gurney next 
			to us, and helped him up on the contraption. He was moaning loudly 
			and doubled in pain. This woman, who was a civilian, maybe a wife, 
			and certainly not a Kaiser employee, had apparently driven into the 
			emergency, commandeered a wheel chair near the entrance, and simply 
			blasted her way in without waiting for the rigmarole we experienced 
			at the reception window. The nursing staff looked at them warily. The Assignment Nurse 
			was in the area, joking with co-workers. Eventually someone went to 
			the man and checked his vital signs. Some other hospital 
			worker told us that we would be taken into a room as soon as it was 
			readied. More than 4 hours into this nightmare, Joanne was wheeled 
			away to someplace I wasn't allowed to follow. FACE OF DEATH: 
			Tests immediately revealed that Joanne had a blockage in her colon, 
			an emergency situation that required "immediate surgery" - another 
			14 hours later. She was prepped and went into the surgical suite 
			around 2 p.m. on Sunday, now 24 hours after we had arrived at the 
			ER. She was in surgery for 6 hours as they removed a section of her 
			colon that was badly distended. Just after 8 p.m. that night the 
			surgeon spoke with me as I sat in the surgery waiting room, the only 
			person there. He told me that at 
			the point her colon was blocked, the tissues were swelled to many 
			times their natural size and he could see that the tissues had 
			already started to rip open. She was experiencing an intestinal 
			infarction (intestinal necrosis), a life threatening situation in 
			which Peritonitis is a common outfall. She was not more than hours 
			or possibly even minutes, from sepsis, a spread of infection to the 
			blood stream. * * * * * PREVENTIVE CARE: 
			Kaiser Permanente is big on preventive health care. Live Well and 
			Thrive is the message that is broadcast constantly in television 
			and radio ads in California as they spend huge money on advertising 
			budgets to try to lure potential victims...I mean, patients...away 
			from the rival Blue Cross/Blue Shield and other HMO providers.
			 Several months ago, 
			our Kaiser general practitioner insisted that Joanne have a 
			colonoscopy, advising that it was something that people over 50 
			years of age should have done to head off problems in the bowels 
			before they develop. The procedure had not gone well. The doctor who 
			performed the procedure was unable to complete the colonoscopy 
			because he believed Joanne had a "twisted colon". They tried 
			repeatedly, though Joanne experienced great pain and discomfort, to 
			perform this procedure that has been promoted by the likes of CBS 
			anchor woman Katie Couric, who had one done on herself for the 
			benefit of television viewers. (Couric's husband died of colon 
			cancer and she was on a crusade to promote the "life-saving" 
			procedure.) Most people do fine 
			with a colonoscopy, but not Joanne (or, as it turns out, her 
			brother, who also had the procedure and found it excruciatingly 
			painful). Joanne was in bed sick for days following the colonoscopy, 
			then for additional days as Kaiser doctors tried other less invasive 
			means of examining her colon. They came away with nothing, but 
			Joanne lost a week of work. The surgeon who 
			removed part of her colon in the emergency operation determined that 
			the colonoscopy had aggravated a condition of diverticulitis. 
				
				
				diverticulitis: 
				A common digestive disease particularly found in the colon (the 
				large intestine). Diverticulitis develops from diverticulosis, 
				which involves the formation of pouches (diverticula) on the 
				outside of the colon. Diverticulitis results if one of these 
				diverticula becomes inflamed or infected. The colon can become 
				infected with craters of food stuck inside, which causes 
				abdominal pain. In complicated diverticulitis, bacteria may 
				subsequently infect the outside of the colon if an inflamed 
				diverticulum bursts open. If the infection spreads to the lining 
				of the abdominal cavity, (peritoneum), this can cause a 
				potentially fatal peritonitis. Sometimes inflamed diverticula 
				can cause narrowing of the bowel, leading to an obstruction. 
				Also, the affected part of the colon could adhere to the bladder 
				or other organ in the pelvic cavity, causing a fistula, or 
				abnormal connection between an organ and adjacent structure or 
				organ. THRIVE MY ASS: 
			As I write this, Joanne is in a "step-down unit" - halfway between 
			an Intensive Care and a regular hospital unit - which she was moved 
			to after spending a day in a regular hospital room. Supposedly she 
			would get more attentive care in the step-down, where there are more 
			nurses. At least that's what we were told, but I have seen no 
			indication that they do anything more for her there than they did in 
			the previous post-operative unit. The proximity of the nursing 
			station to her room is much nearer than in a normal hospital unit, 
			but that only seems to mean that the racket is louder and the nurses 
			don't have to walk as far. I have been caring for Joanne 
			through the night. The nursing staff has provided two foot stools 
			that I line up with a chair so I can lay down from time to time. 
			Occasionally someone will come in and take her blood, usually 
			flipping on the light in the room around 4 a.m.. Sometimes a nurse 
			shows up to change an I-V bag or empty a bed pan, but it feels like 
			most of the nursing is being done by me. I reposition her in the 
			bed, help her go to the bathroom using a portable commode, refit the 
			cuffs that keep the blood circulating in her legs, and fetch ice 
			chips, which is all she can have. I empty bed pans myself when the 
			staff isn't around, and there don't seem to be enough of them to pay 
			much attention to the patients filling every room. I haven't seen the surgeon since 
			just after the surgery, though I leave messages for him to call. Joanne's recovery is painful and 
			slow. It may be par for such a difficult surgery - or "complicated" 
			as the surgeon called it - but not being a medical practitioner 
			myself, I don't know what to expect. No one tells us anything. As 
			long as I am in the room, the Kaiser nursing staff seems happy to 
			let me do the work. I am afraid to leave because I lack confidence 
			that they would respond to her needs. She has been largely incoherent 
			since coming out of surgery, hallucinating and talking to dead 
			relatives. One nurse asked me if she was always this way. No, not 
			normally, I assure them. I wish someone would assure us. I am exhausted, as is my wife. She 
			has been able to take liquids, including broth. She asked for milk 
			yesterday. What they brought had gone bad and had to be thrown out, 
			and no replacement was provided. We don't know when this will end, 
			but the expectation is a follow-up surgery in two months. I have lost a full week of work 
			without pay. We wonder what part of this medical expense will be 
			picked up by our Kaiser coverage, and what humongous bill we will be 
			left to pay out of pocket. We know that most people in the U.S. who 
			go bankrupt do so because of overwhelming medical expenses. Such 
			prospects don't help the healing process. SICK OF US: 
			Joanne was moved to a room one floor up, where she will receive a 
			lower level of attention from nurses, were such possible. The nurse 
			who processed her in to her new room noticed that her dressing had 
			never been changed. It was filthy because her colostomy bag had not 
			been emptied and had broken open. I finally got a call from our 
			primary doctor, who had been unaware of any of what was going on. 
			Her response, as she read through her chart as we talked on the 
			phone: "This sounds like a nightmare." FINAL WORD: 
			In this country, we citizens seem split on whether health care 
			should be guaranteed universally, as it is in every other 
			industrialized nation but ours, or whether it should be left to free 
			market enterprise, as Henry Kaiser envisioned it. It is really only 
			"Republicans" who look at it that way.  I am angry and sad. People argue 
			that "socialized" medicine, like that in Canada and Britain, is a 
			terrible thing because people have to wait for delivery of health 
			care services. I personally know European natives who live and work 
			in the United States but return to their home countries once a year 
			to receive medical treatment, covered under their home countries' 
			universal health care systems. None of them say anything about long 
			waits for treatments and procedures. Fair warning: the next 
			person who, in my presence, says that they don't want the government 
			running the health care system in the U.S. is going to experience 
			such a beating... It will be interesting to see how well their 
			health care system cares for their suffering. Our "health care provider", Kaiser 
			Permanente, doesn't seem to give a damn about ours. 
			- RAR 
				
				Note on the Images in this 
				article: From top - 
				Kaiser Permanente logo, 
				"Give to Kaiser" website,
				"Gold 
				Is Money" website image, diverticulitis photo. The Internet 
				is filled with hate for Kaiser Permanente. Some, see the "Gold 
				Is Money" website, find Satanic images in Kaiser logos. 
			    		
______________________________________________ From March 6, 
			2009 From the Annals 
			of Home Ownership in a Small Town: 
			 
			Design-Build with Dufus and Gomer  
			 That 
			photograph above captures part of the rustic appeal of the street on 
			which my family lives in Benicia, California. In the old part of 
			town, six blocks east of First Street, near the historic military 
			warehouse district that is now the arts community, and near the pier 
			where the new Saturns get driven on to outbound ships, our 
			neighborhood lacks all the accoutrement of a modern development. We 
			have sidewalks that lack the will to make the entire length of our 
			block. We have a mixture of housing types, nice but small for the 
			most part, because this is California where square footage remains 
			dear: $210-$240 per in our neighborhood, depending upon 
			the builder and the complexity of the project. We have a palm tree 
			in our front yard with palms growing straight up, like a weed 
			topping a humongous totem, cut weird to prevent the showers of 
			electrical sparks that occur when the fronds are allowed to grow 
			into the passing power lines. We have huge eucalyptus trees that are 
			roosts to red-headed turkey vultures, and just a block to the north we have a trailer 
			park where some of our best friends live. We have a neighbor with a 
			wonderful chocolate lab named Boomer, and now a new puppy who is the 
			mirror-image of Boomer, who plays merrily with anyone 
			who will have him. His master blares blues music, when he's home, so 
			the neighborhood has a "feel". But it's not blue at all. Are 
			you kidding me? It's the best damned street in America, because it's 
			our street!  When I say "our" street, I'm 
			talking about "our" as meaning more than just my immediate family. This is a 
			neighborhood and the street that is "ours" is also our neighbors'. 
			It's not that we know all of our neighbors, though we know the ones 
			near at hand, and they are all friendly folks who don't do a thing 
			to get in anybody's business or personal way. Benicia is a small 
			town that often puts me to mind of the setting of "To Kill A 
			Mockingbird." We are out on the edge, not too far from Boo Radley's 
			Mom's place, but it's all good. But wait... For the last many weeks we have had 
			a new presence in the neighborhood. That is his portable potty, his 
			sign (he paints far better than the smudges would indicate, but I 
			wanted to give him the courtesy he would never give to us), and his trucks shown in the picture above. It is only some of 
			the equipment he has on site. He is a contractor by the name of 
			Dufus Jones, and the proprietor of Dufus Construction (names changed 
			to protect the guilty). He is a 
			well-established Benicia builder who has a daughter who goes to 
			school with mine, and she is by all reports a great kid, the product 
			of strict parenting. My daughter has spent the night at the Dufus' 
			home, and she speaks well of Dufus who helped her get down games so 
			she and her friend could play. "He's really nice," she tells me, but 
			then she says that about everybody. My knowledge of Dufus and his 
			construction outfit is that he is known for his ability to transform 
			any dwelling into something resembling a Century 21 office. Don't be 
			confused, this is residential construction, so his reputation 
			as a "Design-Build" guy is narrowly defined. I don't happen to like 
			Century 21 offices, for the most part, but I must say that Dufus is 
			doing a nice job on the ramshackle property next door to our house. 
			He replaced all the windows, the roof including rafters rotten with 
			dry rot, the stucco exterior (which he painted the same color as our 
			house), and he gutted and is redoing the 
			entire interior. He built a large covered front porch, which seems 
			almost a fourth the size of the entire house, which is small. This aspect of having the portable 
			potty parked on the street for the last 10 weeks has been well worth 
			the discomfiting eyesore. Dufus is taking a "tear down" and turning it into a 
			pleasant little property, or so was the thinking of us and our 
			neighbors. Dufus is improving property values for us all. Then, one day several weeks ago, the 
			worm began to turn... My wife, who is about as 
			helplessly controlled by her innate curiosity as a domestic cat, but 
			who is as controlling and territorial as a tiger in the wild, decided to 
			ask the guy working next door just what was going on there. Was it 
			being fixed to sell? Was it going to be a rental? "I hope my boss is going to give 
			it to me," the man told her. To which she replied, "Wow, you must 
			have a nice boss!" With that introduction, she took 
			the next opportunity to meet the man himself, Dufus Jones.  There is something fishy about a 
			guy who comes into a deeply routed neighborhood and plants his potty 
			and starts tearing things down using little front loaders and power 
			tools, but who never says boo to his new neighbors. That's just not 
			the way its done in polite society. "Professionals" introduce themselves to the adjacent 
			land owners and talk about what they hope to do with the property, 
			and they take the appropriate steps to service the concerns of 
			affected parties. They put up "site poles" to clearly indicate the 
			height of what they intend to build, in case it interferes with any 
			of the neighbors' view lines. None of this was happening next 
			door. Under certain circumstances, the City Planning office should 
			insist on such mechanics, but they may not be required in this case. 
			We just don't know and no one is telling the neighbors anything. My wife, who is pretty good at 
			coaxing conversation, introduced herself to Dufus Jones and started 
			making small talk, leading to questions about what he is building. 
			"We are doing a facelift to the house," he said, and talked a bit 
			about that. When she offered that she was always interested in 
			knowing what was going on in the neighborhood, Dufus for some reason 
			volunteered that he had experienced rough going with some previous 
			neighbors. "I had one lady tell me that I was just a mean-spirited 
			person," he told the wife, which struck her as an odd boast, 
			almost threatening. Then Dufus 
			mentioned the garage he was building out back. Interesting that a guy would build 
			a garage on a house that already has one. "How big?" the wife asked. 
			"It will be 30' by 30' and 15' feet tall." Otherwise, a building at 
			least as big as the house he is renovating. "And what are you going 
			to put in there?" she asked. "A boat and a couple motorcycles," 
			Dufus 
			said. Mrs. RAR, it should be said, is 
			not stupid. Besides, it hardly took advanced intelligence to 
			deduce that one could put a boat and two motorcycles in the 
			existing garage. Dufus picked up on her skepticism 
			and, by her account, flared at her. "I'll put whatever the fuck I want to put in 
			there!" he reportedly snapped. She read this as innate disdain for "questioning 
			women". Oh-oh. Boy, did he mess with the 
			wrong person. I know, I've been messing with this "wrong person" 
			for years. She immediately called the Benicia 
			City Planning Office to inquire about Dufus Jones and what he was 
			building. In fact, he had requested and received permits to 
			renovate the house and to build a garage on the property. He was 
			granted the permits in December and had started demolition within 
			days of receipt. "Oh, Dufus will probably move in there for a couple of years," 
			said the planning office guy. "He does that." It seemed like 
			our planning official, whom we will call Gomer, knew Dufus. The 
			Planning official's response, when my 
			wife voiced concern that Dufus was misrepresenting his intentions for 
			the property was, "Well, one day if you want a permit to build I'll 
			give you one." It didn't take long to get a 
			picture of what Dufus was up to. He had a dump truck, filled with the 
			rubble from the demolition of the house, that had been parked out on 
			the street in front of the construction site for weeks. It scared our kids to get into our 
			car, parked behind it along the curb, because there were thin sheets 
			of metal that flapped in the wind and threatened to fly off the pile 
			like whirling heli-blades. Dufus obviously had no place to park this 
			truck, any more than he had a place to park the mini-front loader 
			sitting in the front yard, or the large box truck in the driveway, or any other of 
			his vehicles. Dufus is clearly setting up to run Dufus Construction out of the 900 square foot building, complete with 
			running water, that he is building off our alley. He even had the 
			audacity to tell my wife he wanted to widen the alley - as if this 
			city property were his - so he could "get my trucks in there." A quick check of the City of Benicia 
			zoning map showed that Dufus is planning to do this on property zoned for 
			residential use, not commercial. One might think the duped City 
			Planners would want to know about this! On a Friday, I fired off emails to 
			the City offices and got a nice lady from Community Development that 
			confirmed that Dufus could not legally pull this stunt, however willing 
			the permitting office to allow Dufus' deceptions. She instructed that 
			Dufus was allowed to park one vehicle in that 900 square foot garage, and that if he 
			did more, and certainly if he used the building to run his business, 
			that he would be out of compliance with city ordinances. As for the 
			dump truck parked on the street, she set up a call for the truck to 
			begin being ticketed on a daily basis starting on Monday. On 
			Saturday, the truck disappeared. Was this just coincidence? Had 
			Dufus just finally gotten around to getting rid of the rubble? Or 
			had he been tipped off by someone in the city that tickets and fines 
			were being prepared? I found the Dufus Construction truck by accident on 
			that following Monday, 
			parked in a vacant lot next to my son's karate dojo. The truck was still filled 
			with the "dangerous" rubble. That rubble has finally been disposed of, 
			but the dump truck is still sitting on that vacant lot, no doubt 
			until the day it can be moved in doors over by our house. (I drove 
			by the lot this week and saw a disgruntled looking fellow staring at 
			Dufus' dump truck while talking in an agitated way on a cell phone, 
			no doubt lodging a complaint to the City. The words Dufus 
			Construction, along with a phone number, are prominently displayed 
			on the doors of the heap. ) Benicia is a small town of only 
			28,000, and the old town community we live in comprises only a fourth of 
			that population. It is the more "intimate" Benicia, different by 
			nature from the bedroom community of commuters who live on the north 
			side of I-780. People in "old Benicia" talk, and a torrent of stories have 
			poured forth about Dufus and 
			his operation. "He's part of the good old boys network with the City 
			Planning office," one business associate told my wife. "My husband 
			and I had a terrible time with him at another place we lived. We 
			documented the whole thing. We had photographs, even video, of Dufus 
			and the good old boys from the City drinking beers after work on the 
			lawn next to our house. It didn't do us any good at all. He got away 
			with whatever he wanted." * * * In a very real 
			way, this story is representative of so many of the basic ills of 
			our community life. It seems that at the root of every turmoil we 
			experience is some Dufus who is determined to act in a self-interested 
			way, reinforced by a corrupt system of public administration. That's 
			the micro view of what has happened to the U.S. financial system, which 
			was fraught with self-indulgent bullies screened by regulators who 
			for some reason looked the other way. Dufus Construction and 
			the City of Benicia Planning Department bring it down to a 
			neighborhood level, where the biggest assets people hold are their 
			homes. It is a quality of life issue on that plane. You would like 
			to think that people would behave respectfully "in your home", but some don't. 
			Some are Dufus's. That house next door 
			has vexed me since I spoke with our former neighbor last year and 
			learned that he was having to sell his home, which he couldn't 
			afford to maintain, to cover medical expenses left by his recently 
			deceased mother. He 
			and his sister - senior adult children - had lived there with her 
			until she died, inheriting $60,000 in medical bills that insurance wouldn't 
			pay. But there it is. We 
			can't commit to be careful with others. We allow people and property 
			to be ruined, or debased, because there are Dufus's who will sweep in 
			like those vultures who haunt the tall eucalyptus across the way, to 
			take advantage. And our systems, riddled with the kind of good old 
			boys that gave us "Brownie" and the systemic breakdowns along the 
			Gulf Coast following Hurricane Katrina, don't really do to protect 
			our communities what we 
			would like to trust that they would. That's not a new development in 
			this country, just one that eventually works against us all.- 
			RAR 
			"It's the poor that get the 
			blame..." 
			
			The Renewed Spirit of "Meanness" 
				It's the same the whole world 
			over,It's the poor that get the blame,
 It's the rich that get the pleasure,
 Ain't it all a bloody shame.
 The words of that old pub favorite 
			kept coming back to me all week. There is a rising sense of 
			ill-feeling in the U.S. coming from those of us - myself not 
			included - who are miffed at having to ante up taxpayer funds to 
			bail-out new homeowners who took advantage of the liberal mortgage 
			lending policies of this decade to buy houses that they would never 
			be eligible to gain financing for in any other time or environment. The pitch went like this: we will 
			loan you money based on your stated income, no tax returns or 
			financial statement required as long as you have a job and are 
			reasonably honest in your claims of income. We will set you up with 
			an interest-only, Adjustable Rate Mortgage (ARM). You will have five 
			years to refinance into a regular fixed-rate mortgage, and you can 
			begin that process at any time. This first ARM you are getting gets 
			you into the game. You won't be paying on the principle of your loan 
			under this interest-only arrangement, but even with a fixed-rate 
			mortgage you wouldn't be paying on anything but the interest in the 
			first five years anyway. Lenders always take their cut off the top. To a population that has seen 
			wages stagnate for better than three decades now, and who had begun 
			to doubt that their "American Dream" - symbolized by home ownership 
			- would ever come true, the offer was way too good to pass up. 
			Especially in California, where the vast majority of working people 
			make nowhere near enough money to buy a home at the inflated values 
			the state saw for the past 25 years, the prospect of getting a piece 
			of the pie was too good to pass up. Especially in California, where 
			the class system is partitioned around who owns and who just rents. 
			And especially in California, where everyone knew people for whom 
			the purchase of real estate had been a huge financial boon. It just 
			didn't make any sense to rent if there was any way you could "get in 
			the game". The aggressive lenders at Bank of 
			America and Washington Mutual and other "local" institutions got 
			into bidding wars with online brokers like Countryside to write ARMs 
			that they then packaged and sold off to other financial institutions 
			as mortgage-backed securities. It all rolled along pretty well, 
			like a Ponzi Scheme, until the ARMs started coming due and people 
			found they couldn't refinance, as promised. And they couldn't afford 
			the ballooning payments, so home foreclosures skyrocketed, dragging 
			property values down all across the board, devaluing portfolios and 
			rendering mortgage-backed securities as debits, weighing down bank 
			balance sheets. That caused contraction in the lending markets, 
			including the overnight swaps that keep the whole rickety banking 
			system upright, and the dominoes began to fall. Probably no statistic points out 
			the frailty of the now defunct housing boom more tellingly than the 
			fact that something like 85 percent of the people who are 
			forfeiting on their mortgage loans never contact their lender to 
			tell them they are having a problem and to ask for help. Why? 
			Because they were scared and ashamed and probably completely 
			uneducated to the process of dealing with such financial 
			arrangements. They were first-time home buyers, inexperienced at 
			dealing with banks. Some were speculators who were rolling the dice 
			on flipping a property before it ate them alive, and those people 
			who never intended to live in the homes they bought had little 
			stomach for arguing their piracies to lenders. They just walked on 
			the whole mess and took the loss. A certain segment of our 
			population - usually the people who are generally opposed to 
			government entitlement programs - are sounding off about how the 
			people who bought homes they couldn't afford are largely responsible 
			for the mortgage crisis. The meanness of people who have had the 
			good fortune to turn their hard work into honest money with which 
			they made sound investments is understandable, but dispiriting. We have reasonable people talking 
			about the benefits of stable communities, arguing that helping those 
			marginal buyers maintain their homes is a far better investment for 
			everyone in the long run than is having houses lost to foreclosure 
			and becoming vacant magnets for societies ills, as they tend to do, 
			dragging down property values for everyone in the area. Mean is mean though, and it never 
			makes sense. - RAR 
			_________________________________________________ |    
  
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