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...lost surplus may also be hurting the economy--and hitting Americans in the wallet. Despite Federal Reserve Board Chairman Alan Greenspan's seven short-term interest-rate cuts, long-term rates--the ones that govern home mortgages--have hardly budged. The reason: those rates are set not by the Fed but by bond traders, many of whom are clearly spooked by economic uncertainty and anticipate more government borrowing in the future. Mortgage rates, though fairly low, could be lower--and if they were, even more Americans would be refinancing their mortgages and getting back hundreds of dollars a month...

Author: /time Magazine | Title: Who Swiped The Surplus? | 9/3/2001 | See Source »

...need laws to govern analyst behavior? G.O.P. Congressman Richard Baker of Louisiana is chairing subcommittee hearings on the matter and says voluntary guidelines are not enough. But at least they're a start. John Markese, president of the American Association of Individual Investors, says, "There's a lot of important moral suasion here. No one who signed wants to be singled out as not following the rules...

Author: /time Magazine | Title: Wall Street's New Honor Code | 6/25/2001 | See Source »

DIED. VIKTOR HAMBURGER, 100, leading experimental embryologist who parsed out the intricate workings of the developing nervous system; in St. Louis, Mo. Hamburger was collaborating with two other scientists in 1954 when his lab isolated the first trophic factor--chemicals that influence cell survival and help govern growth. Though Hamburger received many awards for his discoveries, he was overlooked by the Nobel committee, which honored his colleagues...

Author: /time Magazine | Title: Milestones Jun. 25, 2001 | 6/25/2001 | See Source »

...They may have company once they get there. The electoral landscape for center-right parties appears desolate in many parts of Europe. Left-tilting parties hold power in 11 of the E.U.'s 15 nations, and only in Italy and Spain does the right govern alone. In Germany, where elections are due next year, the incumbent center-left government is poised for a Labour-esque landslide. The outlook is slightly brighter in France, although the left remains a fair bet to win control of both Parliament and the presidency next year. The most encouraging recent result for Europe's conservatives...

Author: /time Magazine | Title: Right Side Down | 6/25/2001 | See Source »

According to the memorable, short prayer at the heart of the Twelve-Step treatment program, it's folly to seek to control the uncontrollable. The behavior of others, by definition, is uncontrollable, and all we can hope to govern is ourselves. What a cop-out, huh? Wouldn't it be nobler by far to fight the good fight with all the weapons available: a firm bass voice, a wagging finger, the Bible? After all, this teen-drinking business is serious. Just because I survived my 12-pack road trips and puke-a-thon proms doesn't mean my daughter will...

Author: /time Magazine | Title: What Do You Tell The Kids? | 6/18/2001 | See Source »

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