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...date, U.S. banks have admitted to $334 billion in losses and write-downs, and the final total will almost certainly be much higher. To compensate, they have managed to raise $235 billion in new capital. The trouble is that the net loss of $99 billion implies that they will need to shrink their balance sheets by 10 times that figure - almost a trillion dollars - to maintain a constant ratio between their assets and capital. That suggests a drastic reduction of credit, since a bank's assets are its loans. Fewer loans mean tighter business conditions on Main Street. Your local...
...also include text messaging and access to private online forums). "Even though I never met her," Fogarty says, "I found her very understanding, perfectly accepting of how I felt." Though she sometimes longed for more frequent emails, in her own notes to the therapist, "I was able to write exactly what I wanted to say, rather than speaking to someone and it not coming out quite the way you meant...
...Near the end of the program, Fogarty was asked to write about the fires, a task that brought both relief and anxiety. "I thought, it's so nice to begin to be honest about this," she says. But as she started reliving the trauma, "I felt I needed someone alongside me to help me do it." At her online guide's suggestion, she now sees a counselor once a month; the cost is covered by Medicare. "E-therapy was a really positive first step," she says. "It brought me to where I needed...
...Coman ’09, published haiku poet, felt when she signed up for The Pleasures of Japanese Poetry. Coman, born in Comstantza, Romania, had already been practicing haiku for eight years and has published two books, one on haiku and one on rensaku. The seminar involved reading, writing, and translating Japanese poetry, and Professor of Japanese Literature Edwin A. Cranston began the year by having his students make their own linked-verses, expecting students to write in English. To the surprise of Cranston and the rest of the class, Coman completed hers in modern Japanese. “Most...
...writing to (ask for / request / demand / rhapsodize about the injustice of having to write a letter to ask for) a refund on my $75 contribution to the Undergraduate Council’s (puritanical / paternalistic / lame-sauce) Student Life Fund. Because the UC no longer distributes party grants, I must buy (Milwaukee’s Best / Bud Light / Malibu—but with PBR chasers, so it’s totally legit) using my own funds, which are (meager / paltry / as of a week ago, worth only 13 percent of their former value) to say the least...