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...going forward, how do we strike the right balance between the "democratization of credit" and the overextension of debt? We have to go back to the notion of credit basics. In other words, to buy a house, you can't borrow more than, let's say, 2½ times your gross salary. We know the financial institutions are retrenching themselves right now. The question is, Has the consuming public learned anything from this? That's the more difficult issue...
...talk about the need for a financial-products safety commission. What do you think of the proposal the Obama Administration has put out there? In the outline form we've seen so far, it looks like a good idea. But as I say in the book, if the thing is created, it's going to be barraged by new financial products from up above on Wall Street. They won't know what hit them. So I think unless there is some sort of regulatory body that is going to play chess with Wall Street, a complimentary body that filters this...
Surviving the gauntlet of misfortune early in a relationship can be a valuable litmus test, say counselors. A relationship crisis "smashes the illusion of invulnerability," says William Doherty, a psychologist and marriage researcher who runs the Marriage and Family Therapy Program at the University of Minnesota. That illusion, he says, "was going to go away anyway, and I don't think there's any great loss to it going away sooner than later...
...what about all those unlucky couples whose early years are marked by nothing but peace and happiness - what is their litmus test? There are two key predictors of a resilient relationship, experts say: mutual support and a willingness to sacrifice. In a recent study of newlyweds who became first-time parents, Gottman found that two-thirds suffered sharp drops in happiness during their child's infancy, under the strain of new parenthood. But for one-third of couples, the experience was cohesive and increased intimacy. Gottman says he could predict which couples would blossom under stress: those in whom, years...
That is not to say these musicians, artists and skater punks have been cowed into silence; rather, their influence in a country where 2 out of 3 are under the age of 30, with many hungry for Western cultural imports, has perhaps never been greater. In the run-up to the presidential election, many young voters were eagerly trading CD mix tapes featuring underground artists - practically all working under pseudonyms - campaigning for the leading opposition candidate, Mir-Hossein Mousavi...