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Politics : Liberalism: Do You Agree We've Had Enough of It? -- Ignore unavailable to you. Want to Upgrade?


To: Kenneth E. Phillipps who wrote (13864)8/26/2007 8:43:36 PM
From: Hope Praytochange  Respond to of 224755
 
Stop Making Sense



By DAVID BROOKS
Published: August 26, 2007
Between 2000 and 2006, a specter haunted the community of fundamentalist Democrats. Members of this community looked around and observed their moral and intellectual superiority. They observed that their policies were better for the middle classes. And yet the middle classes did not support Democrats. They tended to vote, in large numbers, for the morally and intellectually inferior party, the one, moreover, that catered to the interests of the rich.
How could this be?

Serious thinkers set to work, and produced a long shelf of books answering this question. Their answers tended to rely on similar themes. First, Democrats lose because they are too intelligent. Their arguments are too complicated for American voters. Second, Democrats lose because they are too tolerant. They refuse to cater to racism and hatred. Finally, Democrats lose because they are not good at the dark art of politics. Republicans, though they are knuckle-dragging simpletons when it comes to policy, are devilishly clever when it comes to electioneering. They have brilliant political consultants like Lee Atwater and Karl Rove, who frame issues so fiendishly, they can fool the American people into voting against their own best interests.

This literature was never taken seriously by sophisticated Democrats, but it thrived nonetheless. Still, you’d think it would be pretty much extinct now that Democrats are winning and Republicans are in the midst of a historic meltdown.

But Drew Westen, a professor of psychology at Emory University, has come forth with a late entry in the field, and his book, “The Political Brain: The Role of Emotion in Deciding the Fate of the Nation,” is enjoying a vogue. He takes an interesting dollop of neuroscience and uses it to coat the conventional clichés of the Why Democrats Lose genre.

Westen begins by noting that recent research has shot holes through the theory of the dispassionate rational mind that emerged from the 18th-century Enlightenment. People rely upon emotion to drive the decision-making process and reach conclusions that make them feel good.

Reason and rationality, therefore, play a limited role in political decisions. “The dispassionate mind of the 18th-century philosophers,” Westen says, “allows us to predict somewhere between 0.5 and 3 percent of the most important political decisions people will make over the course of their lives.”

He then goes on to assert that Democrats have been losing because they have been appealing to the rational part of the mind. They issue laundry lists of policies and offer arguments with evidence. They don’t realize how the images they are presenting set off emotional cues that undermine their own campaigns.

For example, the right side of John Edwards’s mouth tends to curl up. “Humans innately dislike facial asymmetries,” Westen observes, “and this should have caught the eye of his advisers.” In Connecticut, Ned Lamont ran a commercial showing Joe Lieberman morphing into George Bush, but in the ad Lieberman was smiling. “Smiling faces innately activate parts of the brain (and facial mimicry on the part of the observer) that reinforce happiness, not distaste.”


Republicans, Westen continues, are brilliant at using words and images that set off emotional cascades. Ronald Reagan used the word “confiscation” in reference to taxation, and was able to persuade people to agree to lower taxes. He called Nicaraguan contras “freedom fighters” and was able to secure them funding.

Westen urges Democratic candidates to go for the gut, and includes a number of speeches that he wishes Democratic candidates had given. He wishes, for example, Al Gore had hit George Bush harder for being a drunk. He wishes Gore had interrupted a presidential debate and barked at Bush, “If someone is going to restore dignity to the Oval Office, it isn’t a man who drank his way through three decades of his life and got investigated by his father’s own Securities and Exchange Commission for swindling people out of their retirement savings.”

At another point, he imagines Gore exploding: “Why don’t you tell us how many times you got behind the wheel of a car with a few drinks under your belt, endangering your neighbors’ kids? Where I come from, we call that a drunk.” If Democrats would go for people’s primitive passions in this way, Westen argues, they’d win elections.

This thesis raises some interesting questions. First, why did someone with so little faith in rational inquiry go into academia, and what does he do to those who disagree with him at Emory faculty meetings, especially recovering alcoholics?

Second, the states of upper New England and the Pacific Coast regularly used to vote Republican in presidential elections but now they generally vote Democratic. Did people in those states become less emotional, and therefore more amenable to the Democrats’ rational appeals over the past few decades? If so, has this led to a drop in Valentine’s Day purchases, at least compared with people in passionate states like Nebraska?

Third, how did John Kerry beat Howard Dean in the Democratic primaries? Was it because of his Oprah-esque displays of emotional intensity?

Fourth, is it possible that substance has something to do with the political fortunes of parties? Could it be that Democrats won in the middle part of the 20th century because they were right about the big issues — the New Deal and the civil rights movement? Is it possible Republicans won in the latter part of the century because they were right about economic growth and the cold war? Is it possible Democrats are winning now because they were right about whether to go to war in Iraq? And if substantive policies correlate with political fortunes, what does that say about the human mind?

Finally, if voter decisions are driven by the sort of crude emotional outbursts Westen recommends, and if, as he writes, “a substantial minority of Americans hold authoritarian, intolerant ideologies driven by fear, hate and prejudice that are fundamentally incompatible with Democratic (and democratic) principles,” then shouldn’t we abandon this whole democracy thing? Shouldn’t we have a coup, led perhaps by the Emory psychology department, which could prevent the brutish and hate-filled from ever gaining control?

It’s rare that one comes across a book that raises so many questions. Of course it’s rare that one comes across a book that so avidly flatters the prejudices of its partisan readers.

The core problem with Westen’s book is that he doesn’t really make use of what we know about emotion. He builds on the work of Antonio Damasio, without applying Damasio’s conception of how emotion emerges from and contributes to reason.

In this more sophisticated view, emotions are produced by learning. As we go through life, we learn what cause leads to what effect. When, later on, we face similar situations, the emotions highlight possible outcomes, drawing us toward some actions and steering us away from others.

In other words, emotions partner with rationality. It’s not necessary to dumb things down to appeal to emotions. It’s not necessary to understand some secret language that will key certain neuro-emotional firings. The best way to win votes — and this will be a shocker — is to offer people an accurate view of the world and a set of policies that seem likely to produce good results.

This is how you make voters happy.

David Brooks is an Op-Ed columnist for The Tim



To: Kenneth E. Phillipps who wrote (13864)8/26/2007 8:45:54 PM
From: Hope Praytochange  Respond to of 224755
 
Subprime Sob Stories
By INVESTOR'S BUSINESS DAILY | Posted Friday, August 24, 2007 4:20 PM PT

Regulations: Democrats have a cure for the subprime mess: punishing banks with new red tape and fines, and rewarding borrowers with a tax-funded bailout. Now comes the sales pitch.

For that, they've turned to their pals in the press, who have covered the unfolding drama by portraying subprime lenders and investors as greedy villains, and borrowers as helpless Hottentots. The former victimized the latter, causing the mortgage meltdown.

"Blame it on the Street," Time bluntly put it. The magazine claims the demand for subprime and exotic mortgages "was coming not so much from borrowers as from Wall Street, which packaged the loans into securities to sell to investors."

In other words, foreclosed homeowners were somehow tricked into signing loans they couldn't afford by evil "financial engineers" controlling their minds from their Manhattan penthouses.

Meanwhile, the Wall Street Journal's news pages (North Korea) — not to be confused with its editorial pages (South Korea) — has trotted out sob stories about "unscrupulous" lenders preying on borrowers in minority communities.

"Subprime mortgages and the brokers who peddle them are helping to take families out of homes in which they've lived for years," the story whined in a story profiling a Detroit couple allegedly forced into a bad deal by an aggressive subprime lender.

But when you peel back the story, you find the couple is hardly a hardship case worthy of our sympathy. Turns out they live in a nice neighborhood in the burbs and drive a Lincoln Navigator.

And the loan they took out was a mortgage refinance. They used cash from the bigger loan to buy toys they couldn't afford — including stainless-steel kitchen appliances and a koi pond.

The bank has foreclosed on their property, and now they're angry at the bank. It's never good when someone loses his home, but no one held a gun to this couple's head when they signed the loan papers at the title company.

Sen. Hillary Clinton and other Democrats assume subprime and other so-called "predatory" lenders are hiding the terms of high-cost loans from customers, most of whom have poor credit and can't qualify for lower-cost loans. So they're demanding more transparency from banks, which means more regulations and disclosure forms.

We know it's been a while since her Whitewater deal, but Hillary as a lawyer should know that existing real estate laws already require full disclosure of terms. It's called a HUD-1 settlement statement, and it shows exactly what rates and fees a lender charges.

The Detroit couple, like too many subprime borrowers, simply ignored the terms of their loan. Even if they signed prematurely, they still had three days to change their minds and rip up the contract. They had ample time to comb through the documents. But they didn't. They wanted the quick and easy cash — without paying the consequences down the road.

Yes, lenders share some of the blame for the subprime crisis. Some got greedy and loaned to so-called NINJA customers — buyers with no income, no job and no assets.

But please, spare us the sob stories. Few subprime borrowers are victims of exploitation. In fact, it's because of subprime programs that homeownership has boomed among minorities. If anything, those who have defaulted are victims of their own bad judgment. Some personal responsibility must be taken here.

In many cases they bought homes with no money down and poor credit, and thought interest rates would stay low forever. But the chickens came home to roost. And now they and those who pander to them want society to bail them out while punishing lenders with tighter regs?

That will only have the unintended effect of choking off credit in those underserved communities. Then, Democrats will make genuine victims of those they now claim to be victimized and deign to protect.



To: Kenneth E. Phillipps who wrote (13864)8/26/2007 8:47:31 PM
From: Hope Praytochange  Respond to of 224755
 
HillaryCare Again
By INVESTOR'S BUSINESS DAILY | Posted Friday, August 24, 2007 4:20 AM PT

Socialism: Hillary Clinton wants to reform health care again, but health care decisions are best left to doctor and patient. If we needed a second opinion, it wouldn't be the government's.
Speaking in New Hampshire last week, Sen. Clinton said as president she would improve health care by raising standards for providers, educating patients and requiring insurers to reward innovation. Sounds good, but there's more.

She is unveiling her plan in installments. In June, she gave a speech on reducing health care costs. Last Thursday's address dealt with the issue of quality of care. She has saved the best — or worst — for last: Next month she will unveil her plan (drumroll, please) for universal health care.

"My order here is deliberate," Clinton said. "In order to forge a consensus on universal health care, we need to assure people they will get the quality they expect at a price they can afford."

In other words, wait until the fish bite and then reel them in.

To us, this sounds uncomfortably like a revival of HillaryCare, the 1993 attempt by Bill Clinton's co-president to nationalize one-seventh of the nation's economy and essentially turn the best health care system in the world over to the department of motor vehicles.

If Clinton were truly interested in providing quality care at a reasonable cost, she'd support innovations such as Health Savings Accounts. HSAs combine a high-deductible catastrophic insurance plan with a tax-free savings account from which routine medical expenses and even health insurance premiums would be paid.

This is consumer-driven health care. It operates on the idea that while a means must be provided to pay for that quadruple bypass, you don't need universal health care if Johnny falls off his bicycle and skins his knee.

Because it's their money, health care consumers with something like an HSA suddenly become cost-conscious. Because they have an incentive to take better care of themselves, they also become health-conscious. The privately owned accounts don't disappear if you change jobs or lose your job.

Clinton also might support malpractice insurance reform. In the first place, it might give her a wedge against trial lawyer John Edwards, who made his fortune suing physicians and raising health care costs.

But more to the point, the threat of lawsuits forces doctors to require unnecessary tests and do things that keep them from getting sued rather than make their patients well. Doctors have fled states with no caps on punitive damages, often leaving communities with no health care at all, regardless of cost or quality.

Instead, Clinton backs things like SCHIP, a program that is intended to help insure the children of poor families but is being pushed by Democrats to insure children in families earning up to three times the poverty level, adults up to age 25 and children of illegal aliens.

This does not improve quality or reduce cost. It only destroys private health coverage by encouraging people who can afford health insurance to drop it and feed at the government trough.

If Clinton and Rudy Giuliani become their parties' nominees, we might be in store for an interesting and necessary health care debate. "Government cannot take care of you," Giuliani has said. "You've got to take care of yourself."

He proposes a $15,000 health care tax exemption per family — $7,500 for a single person — for health insurance costs. This, too, would lead cost-conscious consumers to search for the best product at the lowest cost.

Other ideas include eliminating mandated one-size-fits-all coverage and allowing people to shop for coverage across state lines. And do we really need a health care system that lets the city of San Francisco cover sex-change operations for its employees?

The way to improve health care is to get the government out of it. The last thing we need to hear from a presidential candidate is, "I'm from the government, and I'm here to heal."



To: Kenneth E. Phillipps who wrote (13864)8/26/2007 8:49:13 PM
From: Hope Praytochange  Read Replies (1) | Respond to of 224755
 
Balkan Ghosts Haunt Democrats
By INVESTOR'S BUSINESS DAILY | Posted Friday, August 24, 2007 4:20 PM PT

Balkans: Remember Kosovo? The restive Serbian province is little changed from 1999 as talks go on and warfare brews. Yet this is a reminder of the multilateralism that Democrats endorse.

U.S. involvement in the Balkan wars occurred on President Clinton's watch, and we're still waiting for results. They hardly trump the progress we now seem to be making to win the war in Iraq.

Back in 1999, Clinton ordered NATO to bomb Serb positions around the breakaway province for 78 days as the United Nations dithered. Then he passed the buck to the U.N. for final resolution of Kosovo's status.

"I think that it's obvious that we are doing the right thing, and we are going to prevail," said Vice President Al Gore in April 1999.

Eight years later, 16,500 NATO boots remain on the ground as jawboning between the three U.N.-mandated diplomatic players — the U.S., the European Union and Russia — goes on. And on.

This month, the U.N. set up a 120-day diplomatic talk "surge" with a Dec. 10 deadline to resolve whether Kosovo and its 2 million citizens will go independent or become autonomous within Serbia.

Sensing indecision, hotheaded Serb nationalists and Kosovar independence militants are hinting at renewed warfare. Law enforcers report intercepting big arms shipments in Kosovo. Indecision is creating a void and emboldening troublemakers.

It's easy to see why. The U.S. and Germany call for Kosovar independence, possibly to keep Russia from gaining a monopoly on Europe's energy via Serbia. Meanwhile, Serbia, its historic ally Hungary and even Israel have doubts about a "second Albania" in the area, worrying it may become a gangster paradise or Islamofascist redoubt.

But the big obstacle is paranoid Russia. It firmly opposes Kosovo independence, saying it thinks Kosovo will become a "NATO state." With its U.N. veto, Russia is blocking any resolution at all.

All of which goes to show that getting the cooperation of European allies and involving the U.N. in regional conflicts are hardly substitutes for the kind of clear victory that President Bush is pursuing in Iraq.

Yet Democrats loudly insist on multilateral solutions no matter what the war. Their presidential candidates (and not just foreign-policy lightweights such as Barack Obama) advocate multilateralism for Iraq and Iran.

In a July 10 speech in Des Moines, presidential front-runner Hillary Clinton said:

"Over the past four years, we have learned the hard way about the need for a truly multilateral approach in Iraq, one built on sound strategy and long-range planning, not ideology and wishful thinking. The president's go-it-alone attitude has diminished our position in the region and around the world."

Clinton's Senate Web site also endorses a "multilateral" solution to Iran's nuclear threat.

Then there's Bill Richardson. In his seven-point "new realism" plan for Iraq, he wrote:

"We should convene a regional conference to secure the cooperation of all of Iraq's neighbors — including Syria and Iran — in promoting peace and stability. Among the key objectives of such a conference should be guarantees of noninterference, as well as the creation of a multilateral force of U.N. peacekeepers, should the Iraqis request one."

It doesn't take long for predators, whether in Iraq or Kosovo, to draw out the process when they see a lack of leadership.

If the U.S. doesn't want another decades-long Kosovo on its hands in the Middle East, questions must be asked about this multilateralism, however fashionable.

Much as they holler about Bush not finishing the Afghanistan war before going to Iraq, Democrats are haunted by much longer Balkan ghosts. Kosovo remains their war.




To: Kenneth E. Phillipps who wrote (13864)8/26/2007 9:12:08 PM
From: Hope Praytochange  Respond to of 224755
 
Taking Credit
August 25, 2007; Page A6
Mortgage markets have looked like ships lost at sea of late, so of course Presidential hopefuls Hillary Clinton and Chris Dodd have dinged George Bush for not launching the lifeboats.

Senator Dodd finds it "troubling that President Bush is sitting by idly while millions of Americans face foreclosure on their homes." Mrs. Clinton has proposed a bailout fund for homeowners facing foreclosure and a program of punitive regulation for whichever mortgage lenders and brokers manage to survive the shake-out.

Everyone on the Democratic side of the aisle seems to think the President should send in Fannie Mae and Freddie Mac to make everything right again. Meanwhile, at least a dozen states have rushed in to heighten underwriting standards and forbid "above market" interest rates and other bad practices. One safe harbor: Congress is on vacation.

Amid the torrent, we found one voice of comparative reason this week: Congressman (and Chairman of the House Financial Services Committee) Barney Frank. Yes, Mr. Frank also would like to see his friends Fannie and Freddie loosed on the mortgage-backed securities market. But he deserves credit for speaking an awkward and politically unpopular truth: We got into this mess because some people bought homes who had no business buying the homes they did, and maybe no business buying a home at all.

One can differ with Mr. Frank about exactly how that came to pass or the appropriate response. But identifying a problem accurately is the first step to solving it. Strip away the rhetoric and you're left with this: If no one had loaned marginal buyers the money to buy a house, they would never have owned the home they are now in danger of losing. Since many of those marginal buyers put little or no money down, they will return to the rental market, little worse off than when they left it.

That may seem harsh but consider: At the state level, many of the "reforms" being rushed through legislatures will have the effect of making sure that people now in danger of losing their homes won't get a second chance to take out a mortgage they can't pay back.

Requiring underwriters to qualify borrowers at their "full" interest rate, rather than the teaser rate they might have been offered for the first couple of years, means many of those borrowers won't qualify for the loan in the first place. Well and good, you might say, if that means they won't get a mortgage they can't afford over the long term. But then it makes no sense to argue that the federal government needs to keep these people in their homes. Likewise, passing laws against "above-market" interest rates is another way of saying that if you are a risky credit, it would be better not to lend to you at all.

To state what up to now apparently wasn't obvious, subprime loans are riskier than prime mortgages with conservative loan-to-value ratios. The higher interest rate was intended, in theory at least, to compensate lenders for taking on that higher risk. Forbidding them to charge more for riskier loans is tantamount to barring them from making those loans in the first place.

Whatever Congress decides to do when it returns, some of these problems are fixing themselves. Lenders seem to have figured out that it's dangerous to lend to someone who can't afford the interest rate that kicks in when the teaser period ends, especially if the borrower never has to document his income or assets. And the myth that an ever-rising housing market would bail out even dubious loans has, we suspect, been debunked.

If Congress really wants to "do something," it might start by trying to understand the problem. As of the end of this year's first quarter, according to former Federal Housing Commissioner John C. Weicher, some of the highest delinquency and foreclosure rates were in the upper Midwest. Indiana, Michigan and Ohio never experienced the boom. Those three states each saw less than 5% annual house-price appreciation the past five years, about half the national average. By contrast, the hottest housing markets in that period -- in Florida, the Northeast and the West -- still sport comparatively low foreclosure and delinquency rates.

That could shift as adjustable rate loans made in 2005 and 2006 reset at higher rates. But it suggests that a robust state economy is good insurance against a housing bust. Adopting pro-growth economic reforms to add jobs and businesses looks like the best answer to an ailing housing market. Trying to correct lending and underwriting mistakes that won't return for years -- while shooting the wounded in the capital markets -- smacks of fighting the last war. Congress should avoid that mistake.



To: Kenneth E. Phillipps who wrote (13864)8/27/2007 11:16:59 AM
From: Hope Praytochange  Read Replies (1) | Respond to of 224755
 
The 'Blue Dog' Moment
August 27, 2007; Page A10
A high-stakes budget showdown is shaping up this fall between President Bush and Congressional Democrats. The debate will also be a moment of truth for the so-called "blue dog" Democrats: the 48 self-described fiscal conservatives in the House Democratic Caucus.

The bone of contention is the $22 billion in domestic spending that Democrats passed in their budget resolution above what Mr. Bush requested in his own budget. The Democratic spending plan would increase non-defense expenditures by 6.5% next year -- more than double the inflation rate. The White House is threatening vetoes if Democrats pass spending bills above Mr. Bush's limit, which could possibly lead to a government shutdown. Republicans have already lined up the necessary House votes to sustain any spending veto.

The blue dog Web site boasts that its mission is to "refocus Congress on balancing the budget and ridding taxpayers of the burden of debt." If a balanced budget is what they want, the best fiscal option would be to enact what is called a "continuing resolution" budget that would fund all programs at last year's level plus 1% or 2%. Along with rising tax revenues, this could cut the budget deficit roughly in half next year, to well under $100 billion. But Republicans can't do that on their own: they need the votes of these moderate Democrats.

Here's the rub: So far this year the blue dogs have been almost all bark when it comes to fiscal restraint and debt reduction. Thirty of the 48 have voted for every one of the non-defense spending bills their committee chairman have sent them. Speaker Nancy Pelosi is enforcing party discipline, and as a result 28 of the 48 blue dogs voted "no" on each of the 27 amendments that Republicans proposed to cut the costs of these bills. The 13 freshman Democrats who represent conservative districts -- such as Heath Shuler (N.C.), Baron Hill (Ind.), Zack Space (Ohio), Nick Lampson (Texas) -- have been a particular disappointment; back home these same blue dogs trumpet their "independent streak."

Voting records from recent years confirm that the blue dogs are less than consistent spending hawks. The National Taxpayers Union did some checking and found that the blue dogs had an average fiscal score of 24 out of 100, earning them a grade of D as a group. It also found that last year the blue dogs sponsored $145 of new spending for every dollar of budget reductions, for a net spending increase per member of more than $140 billion.

The blue dogs are consistent on one fiscal issue: stopping tax cuts. As a group they opposed the Bush tax cuts and the extension of those tax cuts, and a super-majority vote requirement to raise taxes -- all in the name of easing the debt burden on future generations. But those concerns evaporated when all but nine in the blue dog coalition voted to expand the Schip health-care program to include many middle-class families, at a cost of $132.6 billion over the 2008-2017 period.

So in the weeks ahead we will see whether the blue dog Democrats work to reduce the $22 billion spending bonus their party leadership is seeking. They were elected on a platform of fiscal responsibility, and we are about to find out if they meant it.