Word: effecters
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...reach. They would task the best-run nation in the world. But ask some Indian officials how the objectives are supposed to be achieved by a public sector that has not - let us put this charitably - always been known for its Prussian efficiency, and you will be told, in effect, "No problem." Past performance (as the prospectuses of mutual funds say) is no guarantee of future returns. Just because India's progress was for years strangled by red tape and corruption, there is no reason to think it always will be. Just because India's political system is noisy...
...that we have seen a pattern,” Subramanian said, “we must find out whether the effect is causal...
Still, when she more carefully considers the effect of synthetic chords on her generally soft melodies, Jones puts the electric guitar to better use. The leadoff track, “Chasing Pirates,” uses a repeated electric tag and a harsher drumbeat to emphasize the claustrophobic redundancy of circular thoughts and dreams. “And I try not to dream but them possible schemes swim around / wanna drown me in synch,” she sings. Somehow, too, “Back to Manhattan” sounds like pure jazz—like Jones at her best...
Following months of criticism from consumer advocacy groups, the Federal Reserve, which is the body in charge of regulating this sort of activity, finally got its act together and issued a new set of rules last Thursday restricting overdraft services to come into effect July 1. In case you missed the announcement, the new rules require banks to obtain the express approval of cardholders before signing them up for overdraft protection and to explain the policies in easy-to-understand language...
Admittedly, I would rather have these rules than no rules, but the episode is a good reminder of how difficult it can be to pass effective financial regulation, even for something as minor and clearly exploitative as overdraft protection services. It doesn’t make you optimistic about ever setting good rules on credit cards, whose effect on our society is far more pernicious. Credit-card regulation passed last spring was a good start but ultimately does little more than limit banks’ ability to market credit cards to students and require them to warn you before they...