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...have missed some payments. Many banks, too, have cut back on credit-card lending, lowering limits and canceling cards of borrowers who are behind on their payments. Consumers, though, have come to rely on credit cards, especially in the bad economy, to help them make everyday expenditures. So the need to protect those cards has leapfrogged ahead of the desire to stay in a house...
...leaders have been too cautious about reform, backing off, for example, when it comes to tackling energy oligopolies and inefficient, formerly state-run telecom operators. "We are in a state of crisis," she says. "We can't just have a battery of lofty goals and feel-good measures. We need political will to address Europe's real shortcomings...
Anyone in need of a dose of optimism about Haitians' ability to succeed should look at the Haitian diaspora, Shifter says, "which has proven to be remarkably entrepreneurial and resourceful" in ways it couldn't be under the corrupt, ossified system in their homeland. One of these émigrés is Serge Jean-Louis, a thriving Haitian-American construction contractor in South Florida. "I'm eager to fly back and help rebuild Haiti," he told TIME shortly after the quake. And chances are, he'll surpass Haiti's dismal standards and help rebuild more to the modern specs...
After the shock of Kumaritashvili's accident wore off - and face it, we tend to quickly move on from such tragedy - the Vancouver Games offered the wonderful highs, and head-scratching lows, typical of any Olympics. In hindsight, all the early whining about glitches, like the need for snow to be helicoptered onto a dry mountain, and malfunctioning ice machines, seems silly. We'll remember the likes of Joannie Rochette, the Canadian figure skater who displayed genuine bravery while toe-looping and triple-axling two days after her mother died of a massive heart attack. We'll also feel...
...buying the wrong weapons for the wrong war - a criticism he has consistently directed at the U.S. military as well during his three-year tenure, chiding it for buying wonder weapons for hypothetical wars while soldiers fighting in Afghanistan and Iraq lack armor and spy drones. "Despite the need to spend more on vital equipment for ongoing missions, the alliance has been unwilling to fundamentally change how it sets priorities and allocates resources," Gates said. He praised Denmark for giving up its submarine fleet - who knew? - in order to double the size of its expeditionary forces...