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...what we've grown used to. Further, the U.S. economy and other [developed] economies have provided as a whole 7% to 9% returns over the past 10, 20 years, and investors got used to that. That's one of the reasons why states and pension funds with the long-term liabilities matched to expectations for double-digit types of returns are facing problems - now they are suddenly having to come to grips with the potential reality of half-sized returns. I think increasingly in 2010 the market will begin to adjust to that...
...also helped give rise to broader work linking stressful experiences early in life - as early as in the womb - to effects on health and behavior later on, such as an increased risk of heart disease or becoming addicted to drugs. Scientists are finding that such effects are not only long-lasting, but can even be inherited by future generations. (Watch a video about obesity and social networks...
Researchers also posit that high levels of stress hormones caused by ACEs can wear down the body over time. A temporary spike in blood pressure in response to a stressful event may be useful to power an adaptive fight-or-flight response, but over the long term constant high blood pressure could raise a person's risk for heart attack and stroke. Studies have also found that consistently elevated levels of stress hormones, like cortisol, can lead to permanent damage in certain brain regions linked to depression...
Recently, scientists have discovered that these changes can themselves be passed down from one generation to the next - a burgeoning new area of study called epigenetics. Such research may have significant and long-term implications for the prevention of obesity, addiction and other illnesses related to early life stress. After all, reducing childhood exposure to trauma in one generation may further benefit that generation's children and grandchildren. (See 25 people who mattered...
Warren has argued for the creation of a Consumer Financial Protection Agency, which would regulate financial products like mortgages and credit cards to improve transparency and customers' understanding of their terms and conditions. She has envisioned the creation of an agency overseeing such financial products "for a long time," according to Law School Professor Charles Fried...