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...happening in part because a recession is not a great time to buy a bank, and the FDIC is having trouble finding acquirers for troubled institutions. The FDIC could liquidate a failed bank or run it itself, as it did late last year with IndyMac. But those options tend to be even costlier. Meanwhile, "bad banks are more like fish than wine," says Bert Ely, a bank-industry consultant and an FDIC critic. "They get smellier with...
Douglas Ewbank, a demographer at the University of Pennsylvania who undertook the statistical analysis for the study, which was published Oct. 21 in the Proceedings of the National Academy of Sciences (PNAS), says that because cultural factors tend to have a much more prominent impact than natural selection in the shaping of future generations, people tend to write off the effect of evolution. "Those changes we predict for 2409 could be wiped out by something as simple as a new school-lunch program. But whatever happens, it's likely that in 2409, Framingham women will be 2 cm shorter...
...less important factor in human evolution than differences in male fertility. Sperm hold a much higher chance of carrying an error or mutation than an egg, especially among older men. "While it used to be that men had many children in older age to many different women, now men tend to have only a few children at a younger age with one wife. The drop in the number of older fathers has had a major effect on the rate of mutation and has at least reduced the amount of new diversity - the raw material of evolution. Darwin's machine...
...IOUs are being paid. Its businesses aren't fleeing to Nevada or anywhere else; Jed Kolko, an economist at the Public Policy Institute of California, has shown that fewer than one-tenth of 1% of its jobs leave the state each year. Even California's real problems tend to get magnified by its size. If it were a country, it would be in the G-8. So, yes, California has the most foreclosures and layoffs. With 38 million residents and a $1.8 trillion economy, it also has by far the most homes and jobs. (See pictures of California modernist homes...
...California scores poorly in most "business friendly" ratings, which tend to focus on tax rates and wage levels rather than on, say, worker productivity or creativity. And the state has more than its share of no-no-no types protesting nanotechnology, synthetic biology and even some SunPower solar-energy projects, which could possibly imperil kangaroo rats and fairy shrimp. But the state's business culture fetishizes long-shot ventures and game-changing ideas. Failure is appreciated, not stigmatized, and an entrepreneur without a few busted start-ups on his résumé is almost suspect. (See TIME's City...