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Rose Madeline Mula writes: Every aspect of life today is characterized by multiple choice. The Bachelor and Bachelorette must decide which of twenty-five suitors would be the best mate. Kindergartners must choose which action hero or Disney princess should decorate their backpacks. Women have to determine which of dozens of costly wrinkle creams will live up to their hype. A far cry from the only skincare choice I had in my youth — Pond's Cold Cream at 25 cents a jar. Unfortunately, I’m a stress eater; so all of the decision-making I face in my day-to-day life inevitably leads me to ice cream — which only compounds the problem. Do you know how many flavors Baskin-Robbins offers these days?! more »

The change is from regulating internet providers as “public utilities” to regulating them as most other businesses in the economy. We have had a long experience with public utility regulations where companies and municipalities have provided telephone, electricity and water services across the country. Tight regulation is great for such services that do not experience a lot of change – when was the last innovation in municipal water delivery, for example? With a rapidly changing product such as internet access, it is much tougher to have regulations that benefit consumers both in terms of price and innovation. more »

While food safety measures like washing produce and cooking meat and eggs all the way through can remove or kill bacteria and mitigate some of the risk of foodborne illness, these methods aren’t foolproof. A study published in 2017 in Food Science & Nutrition looked at whether washing ready-to-eat mixed salad greens and romaine lettuce inoculated with E. coli got rid of potentially harmful bacteria. They found that “only washing in a high flow rate (8 L/min) resulted in statistically significant reductions.” Another study points out the heightened risk that prepared salads pose, given the contamination potential of leafy vegetables, along with the added intermingled proteins which introduce the risk of cross-contamination and provide “an excellent substrate for bacterial growth.” more »

The ripple effects of a market collapse would be severe, and taxpayers would potentially be on the hook for losses posted by failed mortgage companies. In addition to loans backed by the FHA or VA, the government is exposed through Ginnie Mae, the federal agency that provides payment guarantees when mortgages are pooled and sold as securities to investors. The mortgage companies are supposed to bear the losses if these securitized loans go bad. But if those companies go under, the government “will probably bear the majority of the increased credit and operational losses,” the paper concludes. Ginnie Mae is especially vulnerable because almost 60 percent of the dollar volume of the mortgages it guarantees comes from nonbank lenders. more »