Learning

"Now, part of this theme of democratization of finance is that we have to pay respect to behavioral finance. That's because people don't - especially the less educated or less capable people - don't always make optimal use of financial instruments like, for example, insurance. If people don't make use of risk management contracts, then we have a problem." more »

sex is one of the sort of dicey ones from an emotional point of view. These are difficult issues because sex is, by definition, an intimate part of our lives, and it matters a lot. Moreover, sex is fraught with moral implications. more »

Changing Lives Through Literature, an alternative sentencing program: "One study indicated that only 19 percent of CLTL 'graduates' re-offended while a comparison group of offenders had a 45 percent recidivism rate" more »

Julia Sneden writes: "While it is often left to the populace to vote on bond issues creating new schools, the need for school maintenance and repair seems to me to be every bit as vital. Too often it is shoved aside for other matters, buried so… more »