Word: wholed
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...their income - not a future projection of their income, which is what we've been doing. It's been, "I'm now making $50,000, but in a few years I'll be making $150,000, so no big deal, let's go buy an expensive house now." This whole business of giving more credit than a person can service is not only foolish, but if you tried to do that 200 or 300 years ago, it would have been considered immoral as well. We don't think that way anymore, but essentially it is, because that person is going...
...enabling role in our present predicament it ought to be. Since the fall of 2007, 35% of the value of publicly traded companies has evaporated, along with $3 trillion worth of home equity - $10,000 per American man, woman and child - and five million jobs. Iconic businesses and whole industries are variously dead and dying...
Long-term unemployment is also dangerous for the economy as a whole. One quarter of the long-term unemployed permanently leave the workforce, a recent study by the Congressional Budget Office found, producing increased loss of output in the economy. Long-term unemployment burdens social services, diminishes spending levels in the economy and drains overall savings. It can also affect unemployment among young, first-time job-seekers. "Long-term unemployment is debilitating for people trying to find jobs in the first place," says Professor James K. Galbraith of the University of Texas at Austin. The more long term unemployed there...
...turns out that even during the relatively peaceful eras between global calamities, during what is known as background extinction, whole families of species can disappear, pushed out of existence together. And it's not random. According to a new study published in the August 7 issue of Science, vulnerability to extinction runs in families, meaning that some groups of species have a higher likelihood of becoming extinct than others. "It turns out that some branches of the tree of life are more extinction-prone than others," says Kaustuv Roy, a biology professor at the University of California, San Diego. "Those...
This matters because if extinction were truly random, we'd have a much richer evolutionary history, because at least some representatives of all living things would make it to the present. But because extinction tends to be clumped around certain lineages, when extinction occurs we lose whole groups of species. "The long-term consequences are therefore much worse for biodiversity," says...