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...colleague Reuven Glick ran a simulation of what would happen if U.S. consumers followed a path similar to that of Japanese businesses in the 1990s. That was another episode of a great debt dump following a stock-and-real-estate bubble - it's one of the examples economists often turn to in trying to understand what's going on now. Lansing and Glick figured that for U.S. households to resume a debt-to-income ratio of 100% over the next decade, the savings rate would have to nearly double, from its already elevated...
...place long before decline becomes visible - like a disease where you look strong on the outside but you're already ill on the inside. Second, we tend to think decline happens because of complacency - people just sitting still, not being aggressive or innovating. But we found there's often tremendous change and innovation leading right up to the point of fall. It's overreaching: undisciplined growth, undisciplined risk-taking. Finally, I was surprised by how far you really can fall and still come back - it's one of the most wonderful things to come from this work. The tendency...
...companies we've studied we did not find villains. I think that's very important. These were smart, well-intentioned people trying to make the right call. To me, that's even more sobering: hardworking people who are often full of tremendous imagination and energy can still bring enterprises down. I know villains are more fun to write about, but it's not what we found...
...matter how green you think you are, there's probably one hallowed place where concern for the environment doesn't even enter your mind: the bathroom. It's almost certain that the roll of toilet paper you're using is made not of recycled fiber but from felled trees - often from North America's virgin forests, which are as rare as they are rich in wildlife. "The paper industry is the No. 1 industrial pressure on forests," says Allen Hershkowitz, a senior scientist with the Natural Resources Defense Council (NRDC). "Using toilet paper made from virgin trees is the paper...
...study did not delve into the details of why owls may perform worse in school, but Peszka suspects it may boil down to "an owl living a lark's schedule." Students with late bedtimes still end up taking early morning classes, which means they often end up feeling sleepier and less alert during the day. In fact, in Peszka's study, night owls slept 41 minutes less each night than the other students, but were still attending early classes, during which they reported sleepiness and inability to concentrate, which, unsurprisingly, led to lower scores at exam time...