Deadly Spin

The Book of the Week is “Deadly Spin” by Wendell Potter, published in 2010. This is a book that explains how health insurance companies engage in unethical behavior in the name of profit, that results in needless deaths in the United States.

It follows then, that serving as a top executive at a health insurance company requires sociopathic tendencies, favoring money over people. One reason the insurance companies are so obsessed with their bottom lines (aside from the greed of their top executives) is that they have to answer to Wall Street.

Potter worked for Humana and then CIGNA a combined approximately twenty years as head of their public relations departments. By the late 1980’s, Humana realized it had a conflict in running a for-profit hospital and a managed-care plan simultaneously. The hospital was more than happy to maximize the stays of its most lucrative patients, while the plan’s goal was to minimize costs through preventive health care– promoting wellness.

The author learned to play the game of maximizing his employer’s profits through fighting legislative changes to his industry; and protecting, defending and enhancing his employer’s reputation. For, there was a direct relationship between his employer’s profits and his raises and bonuses. He therefore emotionally detached himself from health insurance plan members, and focused specifically on actuarial tables and legalese to help him project an image of his employer as a reasonable,  if not caring participant in patient care.

Whenever a threat to his former employers’ profits arose, such as the movie “Sicko” or proposed legislation that financially favored patients, his former employers hired a big-name, monster-sized public relations firm, and secretly co-funded and co-founded a political front group, such as “Health Care America” that publicly pretended to favor health care consumers, but truly sought to maximize insurance industry profits. The group was a propaganda machine, and an object lesson in how to lie with statistics.

Other tricks of the trade include:  “…rescinding individual policies, denying claims, cheating doctors, pushing new mothers and breast cancer patients out of the hospital prematurely and shifting costs to consumers.”

Read the book to learn additional details of the hegemony of the health insurance companies. One interesting endnote: “Obama opposed any requirement that everyone buy insurance, one of the few points on which he disagreed with Hillary.”

A Memoir According to Kathy Griffin – BONUS POST

The Bonus Book of the Week is “A Memoir According to Kathy Griffin” by Kathy Griffin, published in 2009.

This memoir described the comedian whose shtick consisted of telling humorous, embarrassing stories about members of the entertainment industry. Or, as she characterized herself: “… someone who gets fired, stirs up trouble, and gets debated about on CNN for saying bad things on award shows.” Kudos to her for being an honest, amusing attention whore. She must have brought in sufficient profits for the entertainment industry to tolerate her behavior.

Born in November 1960 in Forest Park, Illinois, the youngest of five children, Griffin grew up in Oak Park, Illinois. At eighteen years old, she moved to Santa Monica, California to be an actress. She apparently had the talent, drive and creativity to get famous.

In the early 2000’s, Griffin performed sufficiently well at the Laugh Factory in Los Angeles to double the length of her show to two hours. This allowed the cocktail waitresses to make sufficient money to pay their rent, “Plus they loved serving the gays, because they were well-dressed, respectful and tipped well.”

Griffin didn’t talk about Anna Nicole Smith right after she died out of respect. As Greg Giraldo would have said, “Too soon, too soon.” Griffin revealed deeply personal information– both of her parents were functional alcoholics, and her oldest brother was a pedophile and substance abuser.

Griffin tried to raise the alarm about her brother, but, as she joked– her parents thought “denial” was a river in Egypt. She admitted to two major errors in her life– poor judgment in both her marriage and in having liposuction. Read the book to learn the details of this and other episodes.

SERIOUS ENDNOTE: Griffin had no qualms about making political statements unrelated to the awards shows she attended. It is therefore not inappropriate to make a political statement unrelated to Griffin’s book, below.

This nation seems to be in denial about the amount of debt load currently carried by not only individuals and businesses, but by the federal government and local governments. It appears that bankruptcies of government entities is the next financial crisis in the offing; the reason why, will be explained shortly.

Within the last thirty or so years alone, the United States has seen greed fests and then busts with regard to junk bonds, savings and loan associations, derivatives, tech stocks, and subprime mortgages, just to name a few. Mortgage-backed securities used to be one of the lowest-risk investments around. Tax-free municipal bonds are presumably still one of the lowest-risk investments around.

BUT one small bond brokerage (and possibly others, too) whose website says it “specialize[s] in tax-free municipal bonds. That’s all we do.” recently changed the language on its customers’ monthly statements. It is forcing them to accept the words, “trading & speculation” (!) for their “Investment objective/Risk tolerance” or else they won’t be able to purchase bonds. It makes itself sound like a penny-stock broker-dealer of the 1980’s that churns accounts. Or a currency broker.

The brokerage is so phobic about covering itself legally that there must be bond issuers who are going to go belly up AFTER THE CURRENT PRESIDENT HAS BEEN REELECTED or has left office, whenever that is. (It might be recalled that Detroit took the plunge in July 2013, after Obama was reelected.) Or its brokers are getting greedy and unscrupulous. Or both. Good luck with that, all.

Mistaken Identity – BONUS POST

The Bonus Book of the Week is “Mistaken Identity” by Don & Susie Van Ryn and Newell, Colleen & Whitney Cerak, with Mark Tabb, published in 2008. This is a long, true story of a cluster-screw-up of honest ineptitude whose negative consequences were mitigated by the virtuous nature of the people involved.

The families of the victims described in this book weren’t vengeful and didn’t look for someone to blame or sue, pursuant to the tragedy. They were forgiving, and saw the positive consequences of it– they widened their social circle and became a good example for others of civil and mature behavior.

In late April 2006, two female Taylor College students from Michigan who shared an employer happened to be riding home in the same van in Fort Wayne, Indiana. They didn’t know each other. However, their appearance, build and facial features happened to be largely similar. The van was involved in a tragic accident. Along with other passengers, one of them died, and the other lived but had serious injuries.

In the aftermath, the one who lived remarked, “A lot of what was written in different magazines was wrong, and I think it gave me a different perspective on people and the media that I never had before.”

Read this book (not media stories) to get an accurate picture of what happened to the two families of the accident victims.

In Search of Memory – BONUS POST

The Bonus Book of the Week is “In Search of Memory” by Eric R. Kandel, published in 2006. This book was mostly about neurology and psychoanalysis. The autobiographical parts included descriptions of how and why the author’s family fled Austria for the United States in 1939, and his role in reconciling psychology and biology.

Kandel identified himself as Jewish. He explained that “racial anti-Semitism” is the idea perpetrated by the Catholic Church that the Jews killed Christ and therefore, they are members of “… a race so innately lacking in humanity that they must be genetically different, subhuman.” Such idea was used to justify genocide during the Spanish Inquisition and of course, the Holocaust. Gentiles in Germany, Poland and Austria especially, took up the cudgel of racial anti-Semitism during the Holocaust.

However, what is interesting is, that while the Catholic Church calls the Jews a “race” as a putdown, the Jews think of it as a point of pride.

When American Jews use the term”born Jewish” ironically, most are unaware of the belief that Jews as a group are thought by anti-Semites to have genes in common that bring out their stereotyped, negative traits. By born Jewish, they mean to say, they, like religious Jews, believe that Jews are automatically Jews regardless of their beliefs or observances, because their mothers were Jewish. Not in a derogatory way.

But wait. If people can convert to or from Judaism, it’s not genetic. Hindu people could actually call themselves a “race” because they allow no conversions. That’s the difference. The Hindus were a group of people who did all share the same genes up until the time they started marrying non-Hindus and having children.

By the way, read the book to learn about the progression of the fields of neurology and psychology in the twentieth century.

A Good Fight – BONUS POST

The Bonus Book of the Week is “A Good Fight” by Sarah Brady With Merrill McLoughlin, published in 2002. This is the autobiography of a secondary victim of firearms-violence turned gun-control activist in the United States.

Sarah’s husband, Jim, had just begun to serve as press secretary for President Ronald Reagan. In March 1981, Jim was caught in the crossfire– shot in the head– in the assassination attempt on Reagan. Jim required extensive medical care, having sustained brain damage that resulted in paralysis of his legs and other ongoing quality-of-life complications.

What sparked an interest in gun-control advocacy in Sarah Brady, a lifelong Republican, was an incident during the summer of 1985 involving the cavalier attitude of adults in her husband’s hometown (Centralia, IL) about firearms. People had guns casually lying around, giving children easy (accidental, but deadly) access. Of course, adults, too, who get a gun can kill someone. It is harder if they don’t have a gun.

Reagan’s would-be assassin might have been denied access to his .22 caliber weapon if the-then gun laws had required a background check on him. When he bought it in a pawn shop in Dallas, he gave a fake address and showed an outdated Texas driver’s license.

The 1968 Gun Control Act was rendered useless when gun makers found a loophole in it. Importing of “Saturday night specials” was banned, but importing of their parts wasn’t. So the guns were assembled upon arrival at the factory and sold in this country.

Sarah initially volunteered to help a nonprofit group called Handgun Control, which pushed for ILLEGAL-gun-control legislation. In 1986, it put forth the Brady Bill, which would close the loopholes in the existing laws and  require background checks on gun buyers. It did not try to ban anyone from buying or possessing firearms altogether. State laws diverged significantly in working on gun control legislation, due to pressures imposed by the National Rifle Association (NRA) and other groups.

Sarah explicitly wrote that she wasn’t pushing to eliminate the Second Amendment in the U.S. Bill of Rights. She began speech-making at universities, city clubs and civic organizations.

In 1988, Handgun Control successfully lobbied to ban (non-metal) handguns able to fool metal detectors at airports. The group received invaluable assistance from Senator Nancy Kassebaum, Republican from Kansas. Sarah mentioned various other politicians, helpful and obstructionist. The vast majority showed her minimum courtesy by returning her telephone calls. Not then-Congressman Dick Cheney from Wyoming. Never.

George H.W. Bush claimed that he “so admired” the work Handgun Control was doing. However, a major campaign donor of his, the NRA, prevented him from acting on that sentiment to support the Brady Bill in any way, shape or form in 1989, when it still had yet to pass Congress.

Sarah delivered a speech at the University of Nevada, Las Vegas. Childish, vicious hecklers with poor impulse control shouted her down, screaming “Liar, liar!!!” Law enforcement officers did nothing to eject them, but had semi-automatic weapons at the ready– in case they got violent. And people wonder why there are so many shooting sprees in the United States.

One small way that shooting sprees could possibly be reduced would be to regulate hate speech and threats on social media. If, pursuant to a legal definition of “hate speech” and “threats” the perpetrators of hate speech and threats could be not only banned, but deemed to be breaking the law (if they mention weaponry in their messages)– then law enforcement would have probable cause to obtain a warrant to search their homes and workplaces for weaponry that is unlicensed or was obtained through dishonest means. Thus, if executed carefully, such a chain of events wouldn’t be a Fourth Amendment violation. It is unclear at this time whether this would be a Federal or State matter.

Read the book to learn why 1994 was a banner year for ILLEGAL-gun-control advocates, about disputes on concealed weapons, about a 1997 ruling of the U.S. Supreme Court, why a background check on American gun buyers in almost half of the states is not really thorough, and much more about Sarah.

Twenty Chickens For A Saddle

The Book of the Week is “Twenty Chickens For A Saddle” by Robyn Scott, published in 2008. This autobiography described people who chose an adventurous lifestyle over one of comfort, safety and convention.

Botswana was a peaceful, well-fed nation, thanks to the government’s policy of designating more than three-quarters of the country as tribal trust land. It was a demilitarized zone where anyone could graze their animals.

In late 1987, the author’s parents decided to move with their two daughters and son from New Zealand to a rural area in Botswana. The author was the oldest, at seven. The father had been a homeopathic doctor but became a physician at five different government-run clinics (only one of which had a telephone; none had electricity and running water), flying to them by light plane on different days. The mother was a home-schooling mom.

The family fixed up a long-abandoned cowshed for their residence. They lived close to the father’s father– a colorful character– and his second wife; some miles away from an abandoned nickel/copper mine. He helped with their education– teaching them Latin names of all sorts of flora and fauna. For the most part, life-threatening dangers and primitive conditions abounded. There were heat, mosquitoes, poisonous snakes, HIV, wild horses and machine parts such as detonators that were supposed to be illegal. The kids did, however, take ballet and tennis lessons in town. And they had a home library. They even had a zipline over their swimming pool with a slide.

While the mother recovered from a medical problem, the author and her younger brother attended a free primary school for a term. Its student body was mostly white people; the government-run school that charged a fee was farther away and was mostly black people. Girls began school at six years old, while boys who had cow-herding to do, started at eight or nine.

The author loved the structure of a classroom, and the competition for gold stars.  Her mother inspired a love of learning, but had a free-for-all curriculum and no government supervision whatsoever.

The author joined what would be equivalent to the Brownies in the United States; her brother joined the Cub Scouts. At term’s end, the kids returned to home-schooling. When they reached their early teens, they did self-directed projects for a New Zealand correspondence course in agriculture, architecture and transport. Then they entered boarding school. The author attended a Dominican convent school in Zimbabwe.

The author described the daily trials and tribulations her father encountered in seeing patients, as Botswanans believe in ancestor worship and witchcraft. He had an even tougher time beginning in the early 1990’s, when the AIDS crisis hit the nation.

At that time, the family moved to a nicer property, but it was near the border with South Africa. There was a block association of sorts, which had racist policies– “Newcomers mustn’t offer higher wages to their black servants, or else all the Tuli Block farmers would have to pay the price. Livelihoods might be ruined!” Most of the farmers had large plots of land and hundreds of heads of cattle.

Read the book to learn many more details of the author’s unique experiences and her entrepreneurial endeavors.

The World According to Monsanto – URGENT POST

The Book of the Decade is  “The World According to Monsanto– Pollution, Corruption, and the Control of Our Food Supply” by Marie-Monique Robin, published in 2010.

The author wrote, “When one dissects Monsanto’s activity reports (contained in 10-K forms [annual reports filed with the Securities and Exchange Commission in the United States]) since 1997, one is struck by the place taken up by litigation.”

There are no companies that can fairly be compared to Monsanto in terms of payments to victims for irreparable harm, permanent injury and wrongful deaths caused by the environmental damage done by Monsanto. They couldn’t possibly compete. But the following is a summary of recent expenses of the legal bullying of, and financial punishments handed down, to Monsanto.

Monsanto’s 2017 annual report’s footnotes showed $33 million in expenses associated with “environmental and litigation matters.” The company’s 2015 Restructuring Plan included $167 million of the same kinds of aforementioned expenses and “a SEC settlement.” The cost of goods sold was $101 million. That means, its litigation expenses exceeded the costs of producing its products. Besides, annual reports don’t normally contain the exact phrase “environmental and litigation matters.”

Another item included $32 million of expenses related to “legacy environmental settlements.” Monsanto recorded the settlement of its polychlorinated biphenyls (PCBs) legal troubles for $280 million in fiscal 2016. Lastly (finally!), the “Long-Term Portion of Environmental and Litigation Liabilities” accounts for almost 1 1/2% of the company’s “Total Liabilities” for the year.

What makes Monsanto’s excessive litigation egregious is that it has so much worldwide hegemony that it wins its cases most of the time– the company itself sues everyone who gets in the way of its profit-making, and successfully defends itself against the countless plaintiffs who have legitimate causes of action against it.

Not to mention the fact that it had basically formed a public-private partnership (largely via political contributions and lobbying), with the American government as of the book’s writing. That is why whistleblowers and activists get crushed in its wake.

Sounds familiar… Unfortunately, the reason history repeats itself so often is that human nature doesn’t change. What makes Monsanto’s case so much scarier than the situations with other, similar monstrous entities is that Monsanto has the potential to permanently contaminate nearly the entire world’s food supply, and there have already been significant consequences of that nature due to its unbridled greed. Yes, it is that bad.

Founded as a chemical and plastics company in 1901 in Saint Louis, Missouri– Monsanto went public in 1929. It made DDT, dioxin, aspartame, (and inadvertently but knowingly and ruthlessly, PCBs), among other substances that have done permanent harm to a large number of people.

As of this book’s writing, Monsanto had a presence in 46 nations and owned 90% of the patents for all Genetically Modified Organisms internationally grown. It makes billions of dollars in profit annually.

The author traveled extensively to interview numerous people to gather a voluminous amount of data on Monsanto’s quest to make the maximum amount of money it possibly can, at the expense of humanity. The scientists she interviewed– including friends and foes of Monsanto– all said they wouldn’t eat the genetically modified foods borne of Monsanto products.

The author tells lots of anecdotes about people from all different geographic areas who have been adversely affected by the chemicals and genetically modified organisms sold by Monsanto, plus about several people previously affiliated with the company and U.S. government agencies, who were clearly still loyal to their former employers. One such interviewee displayed the body language of a liar: excessive blinking when answering her pressing questions. She also pored over declassified documents that indicate outrageous corporate wrongdoing.

Monsanto’s employees currently research, apply for patents to, and sell genetically modified seeds for growing soybeans, corn, cotton and rapeseed; plus a herbicide– Roundup, an insecticide– Bt toxin, and the bovine growth hormone rBST.

The author wrote that in 1983, the American federal government set aside funds called the Superfund Program to decontaminate toxic waste sites around the nation. When some of those funds were diverted to “… finance the electoral campaigns of Republican candidates, Congress discovered that documents that would compromise the companies[,] disappeared.”

As might be recalled, the Reagan administration had a reputation for being staunchly pro-business; so much so that it made EPA worker Anne Burford and her colleague Rita Lavelle the scapegoats of a scandal after pressuring them to shred documents (which would have implicated Monsanto) and commit other crimes in connection with the town of Times Beach, Missouri– a dioxin-and-PCBs-contaminated site.

That contamination resulted in the deaths of numerous animals, serious health problems for the people there, and forced permanent evacuation of the eight-hundred family resort town.

The author spoke with several whistleblowers. All were punished by their employers. One from the EPA distributed an inflammatory memo saying Monsanto published false research results on its products. Another from the FDA wrote a report on the flaws in Monsanto’s application for approval of the artificial growth hormone rBST. He was fired in 1989, sued, and years later, won a job back at the FDA, but not one for which he was suited.

Monsanto’s rBST (still currently used at some dairy farms), when injected into cows, causes them to produce more milk (translation: more money). With the hormone, other substances are also likely to get into the milk, such as pus and antibiotics. This is because the injection sites on the cows form abscesses, necessitating the administering of antibiotics to the cows. Further, with rBST, the cows develop serious health problems, like ovarian cysts, mastitis and uterine disorders. Never mind humans who drink their milk.

In an unprecedented move, the FDA changed its own rules and approved rBST in November 1993 without forcing Monsanto to reply to its concerns and recommendations.

In the late 1980’s, a genetically modified dietary supplement sold by prescription only caused serious health problems, killing at least 37 and permanently disabling 1,500. If that kind of harm was done by a regulated item meant to be eaten that was genetically modified around the same time that Monsanto was testing rBST– a part of a product that millions of people would consume, shouldn’t the FDA have been more prudent in its approval process of rBST??

Monsanto sued the dairies that said on their milk-container labels that their milk contained no rBST. The defendants were forced to change their labeling.

In the late 1990’s, there was the TV-journalist-couple who were working on a show with negative coverage on Monsanto, when their employer was taken over by Fox News. They were fired because they refused to switch from telling the truth, to lying about Monsanto.

In 2003, after the couple suffered years of emotionally and bank-account draining litigation, “The [federal] judges considered that no law prohibited a television network or a newspaper company from lying to the public. To be sure, the rules established by the FCC prohibited it, but they did not have the force of law.” No wonder journalism is dead.

Conflicts of interest abounded in the 1990’s , when supposedly scholarly journal (peer-reviewed) articles (like Science, Nature and the Journal of the American Medical Association) declared that Monsanto’s products were safe; those articles were written by people paid by Monsanto.

Reputable scientists pointed out that Monsanto’s scientific testing involved non-standard procedures, and was statistically suspect as it was of too short a duration, and had too small a sample size.

Read the book to learn about:

  • horror stories resulting from Monsanto’s underhanded tactics regarding testing and use of its products, including the herbicide Roundup;
  • its victims in Anniston, Alabama who were subjected to PCBs;
  • which of Monsanto’s products was banned in 2000 in Canada and Europe;
  • how Monsanto is active in the United Nations;
  • how deregulation perpetuates Monsanto’s worldwide hegemony;
  • which ten or so individual American government officials acted on Monsanto’s behalf, but had undisclosed conflicts of interest [there was scant room in the book to list all those who were ethically challenged Monsanto affiliates— wait, that’s redundant];
  • the percentages of all foods genetically modified in specific categories in 2005;
  • how taxpayers footed the bill for Monsanto’s aggressive use of legal and political weaponry against American soybean farmers (whom it seriously harmed by taking away their livelihoods through duress and illegally spying on them in the late 1990’s) from 1999 into 2002;
  • why Monsanto dropped its initiative to introduce a transgenic wheat, even after spending hundreds of millions of dollars in connection therewith;
  • how Mexico has been harmed by Monsanto’s transgenic corn;
  • how Argentina and Paraguay have been harmed by Monsanto’s transgenic soybeans;
  • how India has been harmed by Monsanto’s transgenic cotton;
  • how Canadian farmers have been harmed by transgenic canola;
  • what transpired when, in January 2005, the Securities and Exchange Commission launched a legal proceeding against Monsanto for corruption in Indonesia;
  • why the World Trade Organization should share some blame for allowing the worldwide spread of Monsanto’s tentacles;
  • and much more.

Endnote:  Feel free to browse other posts for additional examples of entities behaving badly under the category “Business Ethics.”

50 Secrets of the World’s Longest Living People

The Book of the Week is “50 Secrets of the World’s Longest Living People” by Sally Beare, originally published in  2003. The author visited five places in the world where people are unusually long-lived. She argued that their lifestyles account for that phenomenon.

The residents of Okinawa, Symi, Campodimele, Huza and Bama all have insular cultures and an absence of pollution. Three of the above-named places are in Asia and two are in Europe.  The societies’ economies are self-sustaining agricultural and/or fishing and/or herding villages. They engage in rigorous manual labor– lots of exercise– and have the healthiest diets on the planet. Also, they don’t smoke.

Their diets consist mostly of raw or lightly cooked leafy greens, whole grains, seafood, soy products and other legumes, and fresh fruit; plus, hundreds of different herbs, locally grown. They might flavor their food with extra virgin olive oil, capers, garlic and onions. If they have alcohol, it is rice wine, in moderation. Daily beverages include green tea and calcium-rich water.

The author claimed that the farming societies used no pesticides, artificial fertilizers or genetic modification that generate higher crop yields. Yet the societies had adequate food, insects and birds in the food chain that eliminated pests that would harm the crops.

“Most genetically modified crops grown in the United States are corn, canola, and soybeans, as well as cotton, papaya and squash… Genetically modified crops have nothing to do with feeding the world and everything to do with the billions of dollars they are worth annually.”

The author mentioned Monsanto as just one monster-sized corporation that creates substances that contaminate America’s food supply. Disclosure of the data collected by various entities on carcinogens and other harmful food additives created by Monsanto, has been suppressed with cooperation by the U.S. government, just like with the tobacco companies in previous decades.

Read the book to learn which specific foods cut the risk of cancer, and why they do so; and the specific foods, exercises and activities that can help retard aging.

Total Recall

The Book of the Week is “Total Recall, How to Maximize Your Memory Power” by Joan Minninger, Ph.D., published in 1984.  This book gives real-life examples of how people can prevent memory failure with regard to names, phone numbers and other pieces of information.

People often forget specific incidents or data for subconscious emotional reasons. Sometimes it is better to forget past incidents than to trigger painful memories again. But improving one’s memory can play a role in improving or maintaining relationships at work, school or in one’s social life.

Multitasking hinders the absorption of new information. Remembering what was learned will be a fraction of the total number of activities the learner is doing simultaneously. For example, if the learner is doing five things at once, retention will be one fifth as much as if the learner is doing one thing. So it makes sense that research has also shown that retention is better when a student is studying in silence rather than when studying while listening to music.

Read the book to find out the methods for remembering almost anything.