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...industry bankrolled studies to back its claims. In February 1998 the WEFA Group, a Philadelphia-based economics consulting firm, released a report contending that personal bankruptcies cost each American household an average of $400 a year. Paid for by MasterCard International and Visa USA, the WEFA study put the overall cost to the economy at $44 billion in 1997. Said Mark Lauritano, a WEFA senior vice president: "Clearly, the American consumer is facing a significant burden as the result of bankruptcy, both through higher prices and increased interest rates." The dollar-cost claims--which were disingenuous at best--would become...
...political contributions since 1997 from bankers and credit-card companies): "In 1997 Americans filed an all-time record of 1.33 million consumer-bankruptcy petitions, which erased an estimated $40 billion in consumer debt. Those losses are passed on to [other] consumers, resulting in a hidden tax for every American household. The only reasonable explanation is that the stigma of bankruptcy is all but dead. It is simply too easy to file...
...same can be said of Smith. She planned to be a tap dancer ("I got too fat") or a jazz singer ("I wasn't as good as Aretha"), despite a lifelong interest in writing. She grew up in an irreligious, working-class household in London. Her father, a onetime photographer, and her mother, a model turned child psychoanalyst, divorced when she was 12. Smith took to writing short stories and poetry during an adolescence she describes as "pathologically angst ridden." She hasn't outgrown the angst: her manner is painfully serious, even defensive, despite the success of White Teeth, which...
Latin America's 4% household penetration of personal computers seems less relevant every day. This year, for example, TV set-top boxes that, for $100 to $200 each, can turn a television set into a computer screen are due to appear in Brazil. Wireless broadband expansion will turn Brazil's ubiquitous cell phones into tiny screens. "Latin Americans have been early and avid adopters of technology," says Antonio Bonchristiano, CEO of the e-commerce company Submarino.com "The key to growth is the cost of a Web device...
...bureaucracy in which 190 separate units handled interdepartmental dealings, especially those between the program commissioning and production sides. The Birt system was designed to instill accountability into an organization that got $3.4 billion of its $4.5 billion in annual revenues from a license fee levied on every TV-owning household, and had little respect for budgetary discipline. But the pendulum swung too far. Under Birt, as every department had to justify its costs, transfer pricing ballooned, and it became cheaper to go out and buy a music recording than to take it out of the BBC library...