Today begins the days of John Boehner, aka the Orange Man. Listen, you can hear his horse approaching. Oh my, it’s like a new Marlboro commercial. Guess he and Obama can grab a smoke together outside the Oval Office. Yikes! That’s a real Hallmark moment.
Early this morning, Progressive blogger, Dave Johnson extolled the virtues of the Progressive bloggers that “were right,” and he and they were correct. “It was about the jobs, jobs, and jobs.” But let’s be blunt — there are no jobs; there is no money being loaned; employment is rampant; the banks are paying a whopping 1% interest on savings; and now there is NO hope and the inmates have taken the keys!
Yeah, we know that a loss was anticipated in an incumbent year, but not one that lost hope. Sadly, the American people either stayed home, or voted for the lunatics that were responsible for the situation. Obama and all those Democratic spin masters blew it big time. They allowed the Tea Party — fueled by Frank Luntz’s rhetoric– to harness this rage and win the day. How the heck did that happen? Now, the every person in this country has just had a profound temper tantrum, and the collateral damage is huge.
Please note that a version of this article was published earlier today in the Huffington Post.
The 911 of the Middle Class is the consumer credit debacle. It is the gift that keeps on giving. The reality is that the housing crisis is just one piece of this really big, ugly mess. It seems to me that our President MUST call for immediate reform and take action through executive order. Call me politically naïve, but we need action. Unemployment continues to hover close to 10%, and higher in badly hit areas. Interest paid by the banks on savings ranges from less than 1% to maybe 2.5% on a good day. The consumer credit card companies, though regulated now sort of, ran naked through the streets jacking up everyone’s interest rates to over 15 to 30%. Yes they have to notify the poor, irresponsible slobs now before they do things, but the banks still get to burn kerosene in the town square with no permits. And we haven’t even gotten to the health insurance yahoos that have four more years for their trickery. Oh Nelly, bar the door! It’s the Wild West again as the cattle are corralled – only this time it’s the American people being herded to ruin by the giddy-up bankers and health insurance companies, not just the mortgage guys.
People are getting sick from worry. Their backs hurt, their necks are out, and they are grinding their pearly whites. Few sleep well at night. Pharmaceutical sales are up. The banks we saved are savaging us. They are bulldozing the Middle Class under mountains of debt. People are losing their homes, divorces are up, businesses are closing, and unemployment is rampant. The consumer credit world and their FICO scores are broken. They are based on a world that no longer exists. In two short years, many consumers have watched their scores collapse under an avalanche of debt. The FICO scores were calibrated for a different time when consumer credit cards were not the only source of money available, mortgages were not under water, and unemployment was not soaring. If we are ever to unwind this situation, these algorithms must be reset. Otherwise the banks will never lend again. The Middle Class needs a do-over, just like the banks got.
Yes sir, Obama stood up against the broad sweeping foreclosure legislation, and Bank of America seized the moment halting foreclosures nationwide. But we’re all holding our breath waiting for the other shoe to fall as even Progressive strategist Mike Lux gens up the netroots to re-engage with the President and Congress. It is inconceivable that people have not taken to streets in protest over their lost pensions, and the absence of any kind of interest bearing bank account — except on consumer credit cards. In fact, this week Robert Sheer wrote brilliantly about Obama’s “No Banker Left Behind” — while every normal person has been thrown under the bank bus. How did we allow the bail-out of every financial institution, while abandoning the common folk? Why are Democrats — whether conservative, moderate or netroots – not able to channel this collective anger, rage and disappointment other than to take aim at one another? Given the data, there is no way out for the once resilient Middle Class without a do-over. Instead of “No Banker Left Behind” let us heal the Middle Class by fixing the credit industry; restricting the health care industry now, not in four years; and making those banks lend the money we gave them and not hide behind FICO scores. All of the Democrats are writing, but no one is demanding change now. The Tea Party has successfully harnessed the anger and rage, but has no plan. Frankly, they are just another distraction taking our attention away from the gravity of the problems.
Mr. President, come back to us as Mike Lux laments. We need you. We, in the Middle Class, are living this nightmare everyday of our lives. Figure it out, and get the Middle Class out from under. The numbers do not lie. This is our emergency, our call to action, our 911. Friends and neighbors are collapsing from the stress when they can ill afford it. Unemployment is not going away. Consumer debt is skyrocketing. Mr. Obama, Americans are not being frivolous and irresponsible as Dr. Summers would like you to believe. They are boxed in with no escape hatch. Consider enacting a nationwide job core like the WPA, putting the banks on real notice, corralling those nasty health insurance folks, redoing the credit industry, and loosening up cash. No one is sleeping at night. People are nervous and cannot see a future.
Please, inspire us again, show emotion, get messy, and let the wrinkles show. Mr. President raise your voice in outrage. Give us voice. Come back to us. The time is now.
This was originally published on the Huffington Post earlier today.
See the pearltree below for the references for this article.
Meg blinked for the first time in an almost flawless campaign. Until this week, it appeared that the GOP had successfully rolled out their new product — a conservative, ambitious businesswoman with a big check book. Her branding was effective and her television advertising brilliant. Political consultant Mike Murphy earned his money. Team Meg was launched, and they were relentless. Nothing really hampered or stuck to them until “the blink” — involving her domestic help in her Atherton hacienda (no pun intended).
To be blunt, Jerry Brown sure caught a big break this week. The race was in a dead heat with Brown moving slightly ahead, and many independents still on the sidelines. To be frank, Brown had virtually run an invisible campaign until right after Labor Day. Many Democrats thought he could afford the luxury of sitting on his laurels (maybe) because of his legacy. But the reality was that Meg could not and she had to spend early and often to create her brand. Many of feared that she a runaway train in hand-to-hand combat with the invisible man. Talk about a scary election for Democrats. It is one that will become a case study in politics and branding for years to come.
Well the wheel spun and the dice were thrown. Lady luck came down on Jerry this week. It’s kind of like watching Apple’s latest iPhone launch and their goof. The question is will Team Meg will have the staying power to sustain a frontal attack. Their campaign is now playing defense, and under fire that the candidate never saw coming. The domestic help issue is a big no-no. It has taken down many political candidates and appointments over the years. She probably did not understand the severity because if she had it would have been cleaned up. Let’s face it, Meg is a political virgin but her advisors are not. It remains to be seen how this potentially fatal crisis is handled by Team Meg. How will this react, and how will the Brown campaign handle itself? Dancing a jig on an open casket won’t cut it for them. Will Team Brown leverage the avalanche of earned media? Will they play well with social media? Or will they sit on the sidelines? It remains to be seen as this California soap opera continues to unfold.
This article posted to the Huffington Post earlier today.
The Clinton Global Initiative this year was a place where politics converged with philanthropy. Since inception, this venue has been the change agent for philanthropic work throughout the world. The commitments made have been massive and have provided millions worldwide with clean drinking water, mosquito nets, eye glasses, vaccines, and education– among many others. This Foundation can be credited for ushering in new social philanthropic models involving private industry, the wealthy and government working together with non-profit organizations.
Remarkably, the topics at CGI this year spanned Empowering Girls and Women (see the prior post) to market-based solutions, clean tech, jobs, manufacturing and world peace. What an extraordinary venue it was where the participants could experience a panel with the Crown Prince and Deputy Supreme Commander of the Kingdom of Bahrain, Prime Minister of the Palestinian National Authority, and the President of Israel discussing rebuilding the region after peace. Where else and with whom else other than former President Bill Clinton – could one see and hear such a constellation of world thinkers cutting across the issues of our time. Many of us bloggers, writers and journalist bustle through the high security and put up with the fanfare –just to be inspired and sustained for the coming year.
It was a rare gift from the universe to be able to hear the Middle East session up close. It is curious that there was not enormous media coverage of this landmark discussion because all the bad stuff gets air time. Even CNN’s Fareed Zakaria this Sunday morning did not mention it. Rather he focused on the fabricated photograph of the President of Egypt from the White House for the Arab press. It is perplexing because here sat the leaders of those enmeshed in the real peace talks. In this small room, they and former President Clinton were talking gracefully with one another about rebuilding the region. Only the former President could command such authority and respect. Remember, it was Bill Clinton that attempted peace between Israel Prime Minister, Yitzhak Rabin and Palestine Liberation Organization Chairman Yasser Arafat so long ago. It was that fateful handshake on the White House lawn that in many ways led to the assignation of Rabin. And it is now Madame Secretary of State Hillary Clinton that is officiating the peace talks today. Perhaps this is a forbearing for things to come later this year. If they can talk peaceably in front of Bill Clinton, maybe there is hope for a just and final resolution. Few of us get to see our dreams come to fruition, but it appears that the Clintons both have long reach, big memories and staying power. All this woman can say is – may it be.
The US and the economy were for the first time a big focus at the Clinton Global Initiative meeting last week in New York City. Hallelujah! The former President hinted at an effort to get the unemployed back to work and retrained for the new and emerging jobs. Of course, Tom Friedman from the New York Times showed up with a lofty panel of experts, and there were sessions on new market-based solutions, worldwide manufacturing and clean tech. Admittedly, there was a discussion on “Robust Job Creation in the United States.” The former President did address the issues of small business, manufacturing and clean energy. There was a panel where players such as Wal-Mart, Timberlake and others discussed the in overhauling their operations to reduce carbon emissions and create jobs. And there was the tireless work of Laurene Powell Jobs together with her co-founder Carlos Watson at College Track that has been working for over a decade to change the lives of under privileged youth by keeping them in school and preparing them for college.
So why not have Bill Clinton turn his full attention to rebuilding America? Obama’s not doing it so what the heck? Call it whatever you want to, but just do it. Bring together all of the Laurene Powell Jobs with those like Mark Zuckerberg of Facebook. Mark put his money where it mattered – the City of Newark, New Jersey’s inner city public schools, a place close to my heart. Consider the results, if the Clinton Global Initiative took a year or two to turn their full force to rebuild this country, not some third world country. We need the likes of Clinton to mobilize, incentivize and give us comfort as the Tea Party rains empty sound and fury rhetoric down on our heads. Who better? To heck with those who do not believe it is politically expedient!.
Bill Clinton gets it because if the US is broken, it will derail all of his global initiatives and we would not want that. If we can’t get it done in Congress (and we cannot), then we must forge new public/private partnerships. The former President hinted at an effort, like the WPA (Works Progress Administration), in which people went back to work to rebuild the infrastructure of this country. In fact, the WPA was the largest agency of the New Deal employing and feeding millions. Who knows why the White House isn’t using an Executive Order to start such a public works program instead of fighting about extending unemployment benefits.
I like my fellow blogger Yotta Point believe that there is work to be done on the domestic front that could leverage the infrastructure of a CGI-like effort. It will take a village to start the hard work of rebuilding this country, and it must be done brick by brick. Indeed we are falling behind the world in terms of education, math and science, and qualified job applicants for the next generation of jobs. The call to action is to make this happen. Instead of being one of the many threads at the annual convening of CGI – this could become the sole focus, or at least an independent focus, to repair America for the next few years. We might make it happen if Clinton and his mighty Foundation marshal their forces to rebuild this country’s economy, and heal the social fabric. Instead of rage rallies and tea, the best and brightest could come together for public discourse, and problem solving in CGI-like forums. CNN and the other broadcasters cannot do, and there are few other outlets capable of something of this magnitude.
Mr. Clinton, we need your global initiative to become local. After all, we’ve got Madame Secretary watching over the world from the State Department for the next few years. The people of this country are in big trouble. Help us think globally and act locally.
Note: originally posted on the Huffington Post, “Clinton’s Global Initiative Gets Local.”
The American Dream is what is at stake for the Obama Administration, and they know it. This is the dirty, little secret that can longer be contained — it is escalating, cannot remain hidden, and may have significant political ramifications for the 2010 elections. The atrocity of the past years is this broken promise with the people, and it is deeply affecting the way they think, behave, vote and live. Moreover, it could begin to explain the groundswell response to candidate Barack Obama in 2008. The power of his words helped them believe that the dream was recoverable. He exemplified what was possible through education and hard work in his meteoric rise through American politics to the Oval Office. Further and more importantly, it also explains why we are now suffering such profound political despair reflected in the dropping poll numbers.
The middle class, for its survival, needs life to return to a semblance of “normalcy” – a time when they didn’t know how to spell the word “deficit” and didn’t have to care. They want their retirement savings back so they don’t have to work until they drop. They want a bank account that makes more then one percent interest. They want to know what their health insurance premiums will be this year and in ten. They want to know if their kids study, and if they save and sacrifice, that their lives will be better. They want their kids to get good jobs, and they want to hold onto our own jobs. And with despair and anger they realize that despite the heroic work of the Congress with this President in passing landmark legislation in all of these areas — they still are not safe. Economic ruin may still be right around the corner, and makes it hard to sleep at night.
You know we’ve all been hoodwinked and sold a bill of goods about the sanctity of the middle class in this country. It is a basic tenet of our lives, and made us different from other countries. The ranks swelled over the last decades after FDR to the present. But now for the first time since the Great Depression, the middle class is at risk of tipping over once and for all. They are not coming out of the financial, housing and environmental crises intact. Interest rates have ratcheted up on the family home, maybe there’s a balloon payment on the mortgage and its impossible to refinance under the “new” programs; savings have virtually no interest and are drying up; pensions have evaporated; health insurance premiums are basically unaffordable until 2014 if then; schools are overcrowded and on the decline; there are no jobs except in China and they don’t speak Mandarin; and unemployment is still at 9.5% — higher in key areas throughout the country. The new legislation is riddled with loopholes, as all legislation can be after laborious compromises and extensive details. What is different is that each of these loopholes is flagrantly being exploited by the banks, the credit card companies and the health insurance companies. For example, many of the unemployed cannot qualify for COBRA because their companies failed which is code for closed their doors. COBRA is not available when a company terminates their health insurance plan, and 2014 is a long way off when you need health insurance coverage now.
Frankly, this is not what the middle class signed up for. It was not part of the implicit promise made to them. As a result, they are angry (enter stage right the Tea Party to exploit this vulnerability), and depressed (evidenced in the lackluster June election voter turnout). This is a deadly combination that could seal the deal on the November elections for the big, bad guys. Yet somehow the middle class and its Democrats must rally again and rise above the collective depression (no pun intended). We cannot let the brilliant and effective message machine of the Republican Party lull them into universal amnesia — forgetting all the wrongs of the past. Remember these are the same guys (Bush and Cheney) that put the nails in the coffin cementing the potential extermination of the middle class. These same guys two weeks ago even blocked the extension of unemployment benefits while they frolicked on vacation. How could they do that to working families in this country? The extension passed the House before the break, but was filibustered in the Senate. And given all that, imagine life when we essentially give away the House because we are too depressed to vote or disorganized to keep these seats.
I will take liberal Speaker Nancy Pelosi any day over anti-choice, sanctimonious Republican Representative John Boehner as Speaker of the House. That would be a bad dream that just keeps on giving. This threat should be enough for the White House to saddle up and come out with a plan, a message (remember “hope and change”), and leadership to deliver – not the White House Press Secretary Gibbs message yesterday. David Gregory of Meet the Press has gotten so very good and Gibbs just walked into a fiasco announcing the potential lose of seats in the House. It was as bad as giving away candy instead of feeding the homeless, and maybe that’s why White House Special Advisor, David Axelrod, was so snarky with CNN’s Candy Crowley during the next hour on the Sunday morning political shows because it sure didn’t make any sense.
Snarky or not, we all know Obama and his team are awful busy with the economy, the oil spill and a few dozen Russian spies, but we need them to reach out to that disenfranchised middle class again, aka big voting block. After all, Obama is the master communicator and we know that he can do it because he has done it before to win in 2008. And now the stakes may even be higher. If we allow 40 seats in the House to go asunder and a few more in the US Senate — we can start waving bye-bye to the American Dream, the middle class, economic recovery, and maybe the Supreme Court for the next couple of decades.
Please see my Pearltree for some of the reference materials with more to come. This is a new tool to organize and share materials on the web. In full disclosure, I advise them as they build out the new features of this platform.
Note, an earlier version of this article appeared this week on the Huffington Post.
Guest Post by Mary Bottari.
The debate over banks and banking came front and center this week. In his toughest language yet, President Barack Obama vowed to veto financial reform legislation that is not tough enough on Wall Street. “The lobbyists are already trying to kill it,” Obama told Congress in his State of the Union address. “Well, we cannot let them win this fight. And if the bill that ends up on my desk does not meet the test of real reform, I will send it back.”
The President’s rhetoric offers an important measure of progress. Now we can be assured that the political elite are paying attention to the poll numbers showing an unprecedented anger at the big banks and the Wall Street bailouts. Democrats are starting to figure out if they don’t take up this populist message and run with it in November, the Republicans will.
But the rest of the President’s speech and the other dramatic developments in the banking world this week indicate that Democratic actions are falling far short of their rhetoric, a pattern that voters are sure to notice.
First, the speech. Many had anticipated a big announcement on jobs. With jobless rates in the double digits and a projected 5-10 year haul to get employment back to normal levels, workers were hoping for something big and bold. Instead, Obama proposed $30 billion in TARP funds to get credit flowing to small businesses. $30 billion to put 16 million Americans back to work? $30 billion when the Wall Street bonus pool for a few thousand bankers was $140 billion this month? Democrats will live to regret this missed opportunity.
Also on Wednesday, U.S. Treasury Secretary Tim Geithner was called on the carpet once again by irate members of the House for his mishandling of the AIG bailout. To their credit, several Democrats asked the toughest questions. But Geithner bobbed and weaved and no knock-out punches were landed. This is a problem for the Democrats. The whole incident paints an ugly picture of the federal response to the financial meltdown, best described by Representative Edolphus Towns (D-NY): “The taxpayers were propping up the hollow shell of AIG by stuffing it with money and the rest of Wall Street came by and looted the corpse.”
On Thursday, Federal Reserve Chairman Ben Bernanke was reconfirmed by the Senate for another four year term. His nomination had been in trouble and a record number of senators voted no, but Obama stood by his man and pushed him through. The problem with Bernanke is best summarized by economist Simon Johnson: “Bernanke is an airline pilot who pulled off a miraculous landing, but didn’t do his preflight checks and doesn’t show any sign of being more careful in the future – thank him if you want, but why would you fly with him again (or the airline that keeps him on)?” While Bernanke may have saved Wall Street, he has shown little interest in using his power as Fed Chairman to aggressively aid Main Street. He is not the man for the job in these tough economic times and that will soon be apparent to the detriment of the Democrats who secured his confirmation.
Ultimately, however, the most important developments of the week were played out behind closed doors in the Senate. Senate Banking Chairman, Chris Dodd, made the decision some time ago to try to devise a bipartisan financial reform package. His package of reforms was then handed over to four bipartisan working groups. With thousands of bank lobbyists swarming the hill, it is no surprise that these groups are busily making the Dodd bill worse.
The derivatives language is being weakened and bankruptcy is emerging as the preferred method of unwinding financial institutions, which could leave taxpayers to foot the bill for this expensive procedure. To truly end the “too big to fail” problem and crack down on the reckless behavior of the biggest banks, we need strong, specific preventative measures such as leverage limits, capital and margin requirements, limits on counterparty exposures, a ban on proprietary trading and limits on bank size through a low cap on total liabilities. Even Obama’s signature reform, an independent consumer agency is in danger of being whittled down to a corner desk in a failed federal agency.
The President understands that the Wall Street bailout was “about as popular as a root canal.” But if Democrats continue to peddle this type of rhetoric while neglecting meaningful reform as they have done this week, the Republicans will run away with the anti-bailout message and with the election in November.
On Friday, the Wall Street Journal reported that President Obama’s signature financial reform, a Consumer Financial Protection Agency (CFPA), was in trouble in the Senate.
Senate Banking Chairman Chris Dodd (D-Conn.) was considering dropping the idea of creating an independent, stand-alone consumer protection body, empowered to crack down on banking abuses, in order to get a regulatory revamp passed this year with bipartisan support. Dodd is apparently considering shrinking the CFPA into a division of an already existing federal agency (no doubt one with a proven track-record of failing consumers.)
On January 6th, facing an impossibly tough re-election fight, Dodd announced that he was stepping down at the end of 2010. Analysis was mixed about what this would mean for bank reform, but Politico reported that one financial service lobbyist crowed: "Now that Dodd is retiring, he can ignore the demands of the special interests on the left (consumer groups, trial bar, unions) and dance with the special interests that brought him to the dance in the first place. Us, his loyal donors in the banking community."
Today, BanksterUSA released its new video, which calls upon Senator Dodd to dance with the people and not the special interests. The video features Harvard Law Professor Elizabeth Warren, who came up with the idea of a Consumer Financial Protection Agency. Warren makes the simple argument, that if America has an independent regulatory body to police toasters so they cannot burn down your house, why don’t we have an independent regulator to police deceptive mortgages that can put you out on the street?
The video also features Jamie Dimon of JPMorgan Chase, the largest bank in America based on market capitalization. The focus on Dimon is particularly timely. Dimon’s firm survived the great meltdown, absorbed the failing WaMu and Bear Sterns, received billions in bailout funds and other government benefits which allowed the firm to prosper in 2009. Dimon has been lobbying hard against any size cap on big banks and he has been touted as a replacement for U.S. Treasury Secretary Timothy Geithner who has come under fire for his mishandling of the AIG bailout while head of the New York Fed.
On Friday, JPMorgan Chase announced $11 billion in earnings for 2009, and an eye-popping $27 billion in bonuses. The New York Times dryly reported that the bonus numbers "underscored the gaping divide between the financial industry and the many ordinary Americans who are still waiting for an economic recovery.
Senator Dodd is considering having his first hearings on financial reform at the end of January. Now is the time to "Fill Dodd’s Dance Card" by signing our petition to send Dodd the message that the American people expect him to make protecting Main Street his legacy, not dancing with Wall Street. Dodd’s committee must pass meaningful reform, even if that means kicking big bankers like Jamie Dimon out of the ballroom and telling Senate Republicans "no deal" on a weak package of reforms.
Six of [California’s] largest insurers rejected 45.7 million claims for medical care, or 22% of all claims, from 2002 to June 30, 2009, according to the California Nurses Assn.’s analysis of data submitted to regulators by the companies.
The rejection rates ranged from a high of 39.6% for PacifiCare to 6.5% for Aetna for the first half of 2009. Cigna denied 33%, and Health Net 30%. Anthem Blue Cross, the state’s largest for-profit health plan, and Kaiser, the state’s largest nonprofit plan, each rejected 28% of claims.”
Source: HMO claims-rejection rates trigger state investigation, LA Times, September 4th, 2009.
The saying, “if you’re not outraged, you’re not paying attention”, has never been truer. This is the system that the Democrats in Congress, and Obama, want to force us to participate in. One in which we’ll be forced to pay $13,500 a year to private sector health insurance companies, plus deductibles, co-pays, and uninsured ancillaries, for the right to be randomly screwed over and financially devastated (if we live through the process) when we place a claim for coverage. We’re being played, folks – the debate over inclusion of a “public option” is a classic diversionary maneuver by the powers that be: get all of us radicals and progressives and liberals worked into a lather over defending and demanding that they follow through on some bullshit half-assed compromise which they’ve arbitrarily defined as being within the realm of political feasibility, and keep us off the street and from demanding what we really want, and NEED – Canadian style SINGLE PAYER healthcare.
This article emerges out of a number I tossed out in a posting on Facebook a day or two ago, suggesting that the average American would need to consume something on the order of 5% of the resources they presently consume (collectively) if their standard of living were to be equalized with the rest of the world’s population without destroying the planet’s ecosystem (i.e., how much less would we need to consume for the rest of the world to be able to consume an amount equal to what we do).
A friend asked me where I got that number from, and I’m somewhat embarassed to admit (since I’m such a data driven person) that I can’t actually recall at this point – I did the math in my head a while ago. I did some research for real numbers, mostly searches and reading on ecological footprint figures, as I vaguely recall basing the calculation on something along those lines; at this point, while the 5% number may actually have been based on some other metric entirely, the footprint metric seems the most reasonable one to use for the purpose of discussion.
California Budget Bites has a more detailed rundown of who is most impacted by the tax increases included in the recently passed California state budget… and guess what? The less money you make, the bigger the additional piece of flesh your state government now demands of you. In fact, the bottom fifth wind up paying twice as much of their income as the top 1%. Twice as much.
“The Health-Care Crisis Hits Home”
In the article above, a columnist for Time chronicles the trials and tribulations she and her family have gone through in an attempt to keep her brother, whose kidneys are failing, alive. He earns $9/hr. Lives in Texas, where the rules for how little you need to earn to qualify for Medicaid are absurd, and 25% of the population is uninsured. Has Asperger’s syndrome (high functioning autism). Purchased “temporary” insurance from a company with a record of “post-claims underwriting” (going back after the fact when a claim is filed and looking for reasons to justify excluding the claim based on prior history), who only paid up after the state dept. of insurance started looking into the situation.
The only sane reaction, after you’ve read this story, is to be utterly enraged and disgusted. I had to walk away from the computer, halfway through the story, because it upset me so much. It is very clear that the guy would probably be dead by now if he didn’t have a super-empowered sister who has covered these issues for 15 years and even moderated a presidential candidates forum on them. Even with that, he’s not having an easy time of it. What about all the people who aren’t equipped to advocate for themselves, or don’t have a champion like her? They suffer, and then they die. That’s it. Pure and simple. What else can someone making $9/hr. do? Where is someone like that supposed to come up with thousands of dollars for deductibles, excluded and uncovered expenses, copays, etc.?