Sunday, January 11, 2026

Slow Technology Reader. A Tool for Shaping Divergent Futures, Edited by Carolyn F. Strauss, Design by Haller Brun, Valiz, Amsterdam, 2025 [Perimeter Books, Thornbury, Melbourne]

Free Fall: How Sweetgreen Became Millennial Cringe

Last spring, Sweetgreen did something shocking, at least insofar as the menu adjustments of a fast-casual salad chain can be described that way: It added fries. In interviews, the company’s “chief concept officer,” Nicolas Jammet, paid lip service to “reevaluating and redefining fast food,” but I suspect that Sweetgreen was also “reevaluating and redefining” how to make money in a world that appeared poised to move on from buying what the company was trying to sell.

In the first two months of last year, Sweetgreen’s stock price had declined more than 30 percent. The company had already made significant changes, dropping seed oils, adding “protein plates,” and hiring a bunch of robots in an apparent effort to cater to the early 2020s’ three defining dining trends: the MAHA movement, the protein fixation, and the push to cut costs by eliminating human labor. But not even air-fried potatoes could stop Sweetgreen’s free fall. In August, with operational losses reaching $26.4 million, the chain fired workers, and also the fries. As the year ended, Nathaniel Ru, who co-founded the company in 2007, stepped down from his role. Today, a share of Sweetgreen stock costs less than $8. In late 2024, it was more than $43.

This is remarkable because, for a golden decade or so, Sweetgreen was the future of lunch. Americans, especially ones who were youngish and worked on computers, were toting green paper bags around coastal cities (and later, smaller towns and non-coastal cities) en masse. Silicon Valley was injecting capital into a restaurant as though it were a software start-up.

Sweetgreen’s early success was not a fluke. As a restaurant, it truly did do something incredible. The company put high-quality organic produce in interesting combinations, incorporating fresh herbs and global ingredients, and going heavy on crunch and citrus. It sourced from small farms that it listed proudly on chalkboards inside each store, appealing squarely to a cohort who knew they really should be shopping at the farmers’ market, even if they usually got their groceries from Instacart, guiltily. And Sweetgreen was an early adopter of online ordering, allowing its customers to waste less time waiting in line. When a Sweetgreen opened in my city, in 2016, replacing a restaurant that had been serving hamburgers for 65 years, I was excited about it the same way I was excited when fiber internet came to my neighborhood: Finally, a better way to live.

In all this, the chain was achingly of its era, when high functioning in the office (productivity) and on the cellular level (health) became irretrievably intertwined. The widespread adoption of smartphones invented new categories of aspiration, new ways to sell things, new expectations that workers be available and productive, including during lunch hour. The wellness influencer—a figure whose job title did not exist just a few years earlier—suddenly started to seem like one of the more powerful figures in American life. Millennials graduated, grew up, got jobs, and emerged as not just a chronological category but a marketing segment.

Around this time, a number of venture-backed start-ups appeared to sell them new versions of stuff they already used. The stuff was legitimately nicer, but only a little; the real innovation was in how it was sold. Largely, this meant minimalist packaging that was purpose-built to look good on a small screen, and marketing copy that made canny nods to responsibility but also fun, using a corporate voice that sounded like a real person’s, even if that person was sort of embarrassing and obsessed with the grind (“you’re going to guac this week. #monday 👊,” read the caption on an Instagram post from Sweetgreen in 2015). In short order, many Americans swapped out their YMCA stationary-bike classes for SoulCycle; their yellow cabs for rideshares; their generic workout gear for color-blocked, cellphone-pocketed leggings made out of, like, recycled water bottles.

And these same Americans abandoned the salad bar—for decades, a depressing fixture of the workday lunch—in favor of Sweetgreen. It was a healthy, efficient meal for healthy, efficient people (at least aspirationally), a power lunch for those who didn’t have assistants or expense accounts but who were nonetheless determined to feel in control, possibly formidable. Especially after 2018—when the company began installing shelves in office lobbies and WeWork cafeterias, from which workers could retrieve a preordered salad without leaving the building—it just became a default, a nearly frictionless calorie-delivery vehicle for people whose bosses were definitely paying attention to whether their little Slack bubble was green or not...

Sweetgreen sold salad, which you eat, but it also sold moral superiority, which you build an identity around. (By 2016, BuzzFeed was posting lists about “21 Truths for Everyone Obsessed With Sweetgreen.”) The company capitalized on this to sell not just lunch but a lifestyle brand. It staged an annual music festival; collaborated with cool fashion people on limited-edition housewares and accessories; sold branded Nalgenes and expensive, earth-toned sweatshirts in its capacious webstore; posted its playlists to Spotify. Imagine anyone willingly re-creating the sonic ambience inside their local McDonald’s at home and you will realize how unique Sweetgreen is, or was, among casual-restaurant chains.

Although McDonald’s and its ilk got big by serving as broad an audience as possible, Sweetgreen derived much of its cachet from projecting a level of elitism. This, as it turns out, is not the secret to market dominance. Sweetgreen has always been relatively expensive, and it has gotten more so: In 2014, a kale Caesar with chicken was $8.85; this week, in some locations, it’s more than $14.75, which is almost $2 higher than can be explained by inflation alone. Maybe more important is the impression that it’s expensive. Today’s consumers are highly price-sensitive, Jonathan Maze, the editor in chief of the trade publication Restaurant Business, told me, and “Sweetgreen has had a reputation as an expensive place to eat for what you’re getting.”

There’s also the issue that many Americans don’t like salad quite enough to actually want it regularly. In a 2024 YouGov poll, 40 percent of respondents said they ate salad more than once a week, which might seem like a lot until you remember that some of them were surely lying, and you consider how many more people prefer food that isn’t chopped-up raw vegetables: Last year, the nation’s top five quick-service restaurants were, in order, McDonald’s, Starbucks, Chick-fil-A, Taco Bell, and Wendy’s. “It’s really difficult to convince a large number of people that salad is something they’re going to eat on a frequent enough basis to support a chain like that,” Maze said. Many years ago, he was driving his then-10-year-old son and a friend home from baseball practice, and the friend was excitedly talking about eating Chipotle for dinner. The memory has, clearly, stuck with him: “Can I realistically imagine my son’s 10-year-old friend bragging about going to Sweetgreen?” He cannot. I can’t either.

by Ellen Cushing, The Atlantic |  Read more:
Image: Akshita Chandra/The Atlantic. Source: Dixie D. Vereen/The Washington Post/Getty.

Bob Weir, Grateful Dead Founding Member Dies at 78

[ed. Not only was Bobby an excellent rhythm guitarist with a unique phrasing style, he had to sing and remember all the words to most of the Dead's songs (no small feat given all the drugs involved). The above is a great example. Here's another one. See also: Bob Weir Dies at 78 (NBC); and this famous New Yorker profile of the entire band and its cultural influence: Deadhead.]

Image: Mark Sullivan/Getty


Enzo L’Acqua

History Lesson: Fascism in America

Beginning in 1943, the War Department published a series of pamphlets for U.S. Army personnel in the European theater of World War II. Titled Army Talks, the series was designed “to help [the personnel] become better-informed men and women and therefore better soldiers.”

On March 24, 1945, the topic for the week was “FASCISM!”

“You are away from home, separated from your families, no longer at a civilian job or at school and many of you are risking your very lives,” the pamphlet explained, “because of a thing called fascism.” But, the publication asked, what is fascism? “Fascism is not the easiest thing to identify and analyze,” it said, “nor, once in power, is it easy to destroy. It is important for our future and that of the world that as many of us as possible understand the causes and practices of fascism, in order to combat it.”

Fascism, the U.S. government document explained, “is government by the few and for the few. The objective is seizure and control of the economic, political, social, and cultural life of the state.” “The people run democratic governments, but fascist governments run the people.”

“The basic principles of democracy stand in the way of their desires; hence—democracy must go! Anyone who is not a member of their inner gang has to do what he’s told. They permit no civil liberties, no equality before the law.” “Fascism treats women as mere breeders. ‘Children, kitchen, and the church,’ was the Nazi slogan for women,” the pamphlet said.

Fascists “make their own rules and change them when they choose…. They maintain themselves in power by use of force combined with propaganda based on primitive ideas of ‘blood’ and ‘race,’ by skillful manipulation of fear and hate, and by false promise of security. The propaganda glorifies war and insists it is smart and ‘realistic’ to be pitiless and violent.”

Fascists understood that “the fundamental principle of democracy—faith in the common sense of the common people—was the direct opposite of the fascist principle of rule by the elite few,” it explained, “[s]o they fought democracy…. They played political, religious, social, and economic groups against each other and seized power while these groups struggled.”

Americans should not be fooled into thinking that fascism could not come to America, the pamphlet warned; after all, “[w]e once laughed Hitler off as a harmless little clown with a funny mustache.” And indeed, the U.S. had experienced “sorry instances of mob sadism, lynchings, vigilantism, terror, and suppression of civil liberties. We have had our hooded gangs, Black Legions, Silver Shirts, and racial and religious bigots. All of them, in the name of Americanism, have used undemocratic methods and doctrines which…can be properly identified as ‘fascist.’”

The War Department thought it was important for Americans to understand the tactics fascists would use to take power in the United States. They would try to gain power “under the guise of ‘super-patriotism’ and ‘super-Americanism.’” And they would use three techniques:

First, they would pit religious, racial, and economic groups against one another to break down national unity. Part of that effort to divide and conquer would be a “well-planned ‘hate campaign’ against minority races, religions, and other groups.”

Second, they would deny any need for international cooperation, because that would fly in the face of their insistence that their supporters were better than everyone else. “In place of international cooperation, the fascists seek to substitute a perverted sort of ultra-nationalism which tells their people that they are the only people in the world who count. With this goes hatred and suspicion toward the people of all other nations.”

Third, fascists would insist that “the world has but two choices—either fascism or communism, and they label as ‘communists’ everyone who refuses to support them.”

It is “vitally important” to learn to spot native fascists, the government said, “even though they adopt names and slogans with popular appeal, drape themselves with the American flag, and attempt to carry out their program in the name of the democracy they are trying to destroy.”

The only way to stop the rise of fascism in the United States, the document said, “is by making our democracy work and by actively cooperating to preserve world peace and security.” In the midst of the insecurity of the modern world, the hatred at the root of fascism “fulfills a triple mission.” By dividing people, it weakens democracy. “By getting men to hate rather than to think,” it prevents them “from seeking the real cause and a democratic solution to the problem.” By falsely promising prosperity, it lures people to embrace its security.

“Fascism thrives on indifference and ignorance,” it warned. Freedom requires “being alert and on guard against the infringement not only of our own freedom but the freedom of every American. If we permit discrimination, prejudice, or hate to rob anyone of his democratic rights, our own freedom and all democracy is threatened.”

by US Army/War Department/Heather Cox Richardson, Letters from an American |  Read more:
Image: US Army
[ed. Dictators are gonna dictate, it's what they do. The real blame lies with their supporters who give them the power, willingly. The losers and misguided who think their personal fortunes or the country's will be enhanced by standing in the shadow of a strongman. And others: tuned out and oblivious, who "just aren't into politics" or rely on "talking points" to tell them what to think. It's all here. Now. See also: January 10, 2026:]
***
Yesterday, in an apparent attempt to regain control of the national narrative surrounding the deadly shooting of Renee Good in Minneapolis, Vice President J.D. Vance led the administration in pushing a video of the shooting captured by the shooter himself, Jonathan Ross, on his cell phone. (...)

What is truly astonishing is that the administration thought this video would exonerate Ross and support the administration’s insistence that he was under attack from a domestic terrorist trying to ram him with her car. The video was leaked to a right-wing news site, and Vance reposted it with the caption: “What the press has done in lying about this innocent law enforcement officer is disgusting. You should all be ashamed of yourselves.” The Department of Homeland Security reposted Vance’s post.

As senior editor of Lawfare Media Eric Columbus commented: “Do Vance and DHS think we can’t actually watch the video?” Multiple social media users noted that Good’s last words to Ross were “That’s fine. I’m not mad at you,” while his to her, after he shot her in the face, were “F*cking b*tch!”

In the case of the murder of Renee Good, the shooter and his protectors are clearly so isolated in their own authoritarian bubble they cannot see how regular Americans would react to the video of a woman smiling at a masked agent and saying: “That’s fine, dude. I’m not mad at you,” only to have him shoot her in the face and then spit out “F*cking b*tch” after he killed her. (...) [ed. Probably the same way they reacted to the storming of Capitol Building...

Although ICE currently employs more than 20,000 people, it is looking to hire over 10,000 more with the help of the money Republicans put in their One Big Beautiful Bill Act of July. That law tripled ICE’s budget for enforcement and deportation to about $30 billion.

On December 31, Drew Harwell and Joyce Sohyun Lee of the Washington Post reported that ICE was investing $100 million on what it called a “wartime recruitment” strategy to hire thousands of new officers. It planned to target gun rights supporters and military enthusiasts as well as those who listen to right-wing radi0 shows, directing ads to people who have gone to Ultimate Fighting Championship (UFC) fights or shopped for guns and tactical gear. It planned to send ads to the phone web browsers and social media feeds of people near military bases, NASCAR races, gun and trade shows, or college campuses, apparently not considering them the hotbeds of left-wing indoctrination right-wing politicians claim. (...) [ed. In other words, it's not just the libs that stereotype MAGA supporters as violence-loving, low-information rednecks, easily manipulated - it's what their leaders think, too.]

When Kaitlan Collins of CNN asked Trump yesterday if he thought the FBI should be sharing information about the shooting of Renee Good with state officials, as is normally the case, Trump responded: “Well, normally, I would, but they’re crooked officials. I mean, Minneapolis and Minnesota, what a beautiful place, but it’s being destroyed. It’s got an incompetent governor fool. I mean, he’s a stupid person, and, uh, it looks like the number could be $19 billion stolen from a lot of people, but largely people from Somalia. They buy their vote, they vote in a group, they buy their vote. They sell more Mercedes-Benzes in that area than almost—can you imagine? You come over with no money and then shortly thereafter you’re driving a Mercedes-Benz. The whole thing is ridiculous. They’re very corrupt people. It’s a very corrupt state. I feel that I won Minnesota. I think I won it all three times. Nobody’s won it for since Richard Nixon won it many, many years ago. I won it all three times, in my opinion, and it’s a corrupt state, a corrupt voting state, and the Republicans ought to get smart and demand on voter ID. They ought to demand, maybe same-day voting and all of the other things that you have to have to safe election. But I won Minnesota three times that I didn’t get credit for. I did so well in that state, every time. The people were, they were crying. Every time after. That’s a crooked state. California’s a crooked state. Many crooked states. We have a very, very dishonest voting system.”

Trump lost Minnesota in 2016, 2020, and 2024.

Frances Featherstone, 'The Sight of the Stars Makes me Dream' said Vincent Van Gogh. Selected by the Royal Institute of Oil Painters 2023.

Saturday, January 10, 2026

How Consent Can—and Cannot—Help Us Have Better Sex

The idea is legally vital, but ultimately unsatisfying. Is there another way forward?

In 1978, Greta Hibbard was twenty-two and living in rural Oregon. She had a two-year-old daughter, a minimum-wage job, and an unemployed husband. She was, she would later say, “living on peanut butter sandwiches.” She and her husband, John Rideout, often fought; sometimes he hit her or demanded sex. On the afternoon of October 10th, when he did just that, Hibbard fled to a neighbor’s house. Rideout followed her, cornered her in a park, and took her home. Once inside, she said, he punched her several times in the face and pulled down her pants. Their toddler, who was watching, went into her bedroom and wailed as her father penetrated her mother.

That this might be rape, legally speaking, was a brand-new idea. Until the mid-seventies, much of the sex in the United States was regulated not by the theory of consent but by that of property: a husband could no more be arrested for raping his wife than for breaking into his own house. In 1977, Oregon became one of the first states to make spousal rape illegal, and even then some politicians thought the law should apply only to couples living apart or in the process of divorcing. A California state senator summed up the prevailing attitude: “If you can’t rape your wife, who can you rape?”

Hibbard herself had only just learned that she had a right to decline sex with her husband. (At a woman’s crisis center, she had noticed a sign on the wall that read “If she says no, it’s rape.”) The night before the incident, she and Rideout were chatting with a neighbor when she brought up the new law. “I don’t believe it,” Rideout said. When he was arrested a few days later, he still didn’t. What followed was Oregon v. Rideout, the first time in the United States that a man stood trial for the rape of a wife with whom he lived, and a formative test of the notion that consent should determine the legality of sex.

Sarah Weinman retells this story in “Without Consent: A Landmark Trial and the Decades-Long Struggle to Make Spousal Rape a Crime” (Ecco). Weinman is known for taking a true-crime approach to intellectual history: her previous books center on the murderer who befriended William F. Buckley, Jr.—the founder of the National Review—and on the kidnapping that is believed to have inspired Vladimir Nabokov to write “Lolita.” Her writing is breezy even when the subject matter is not exactly beachy. Rideout’s trial, for example, teemed with outrages. His defense lawyer smeared Hibbard for her sexual past: two abortions, a supposed lesbian experience, and a previous assault allegation against Rideout’s half brother, which, according to Weinman, Hibbard retracted after threats from the accused. Meanwhile, even the prosecutor thought Rideout seemed like a good guy. “I don’t think he belongs in prison or jail,” he told the press. When Rideout was acquitted, the courtroom burst into applause.

Hibbard, who reconciled with Rideout almost immediately after the trial, would divorce him within months. But Weinman follows Rideout all the way through 2017, when he was once again tried for rape. This time, the victims were Sheila Moxley, an acquaintance who had grudgingly allowed a drunk Rideout to sleep on her sofa after he came over to help her fix some furniture, and Teresa Hern, a long-term, on-and-off girlfriend. Both women had been held down and penetrated by Rideout in the middle of the night. Once again, a defense lawyer attempted to paint the women as lying, scheming seductresses. But this time Rideout was convicted on all counts and eventually sentenced to twenty-five years in prison. “You are a bad man,” Moxley read in a statement. “You are an evil man. You are a monster.”

Weinman’s choice to begin and end with Rideout’s trials allows her to tell a story of comeuppance, in which, during the span of one man’s life, society decided to take rape seriously and punish the monsters who commit it. This is a happy thought. But the real arc of history is not so short, nor does it bend with anything like certainty toward justice. Today, about one in ten American women have been raped by their intimate partners—roughly the same rate reported in the eighties. This year, the Trump Administration removed the Center for Disease Control’s online statistics on intimate-partner and sexual violence; the page was restored by a court order, and now contains a disclaimer: “This page does not reflect reality.” Donald Trump himself has been accused of sexual misconduct by at least twenty-four women. He has denied these accusations, including one from his first wife, Ivana, who testified under oath that he threw her on the bed, ripped out a handful of her hair, and then forced himself on her. She later clarified that she didn’t mean the word “rape” in the “literal or criminal sense.”

In Weinman’s epilogue, she briefly points to the unfinished business of ending rape, spousal or otherwise. But her book assumes that society has at least sorted out the philosophical underpinnings of how to regulate sex. “Younger generations were far clearer about these issues,” Weinman writes, “understanding that consent must be given ‘freely and intelligently’ by those who were capable, and anything shy of full consent was considered rape.” There is, I think, no such clarity. It is not just people like Trump, Jeffrey Epstein, Pete Hegseth, Brock Turner, Bill Cosby, Sean Combs, Dominique Pelicot, and their many, many friends who seem to have a bone to pick with consent. Feminists have their own quibbles. What does “freely and intelligently” mean, they ask, and what entails “full consent”? Who exactly is capable of consenting? And what are we to do with rapists?

For some second-wave feminists, the very idea that a woman living under patriarchy could “consent” to sex with a man was absurd. After all, we don’t think of a serf consenting to work for her feudal overlord: the serf might well enjoy tilling the fields, she might even love her master, but she didn’t choose farm labor so much as she was kept, by rigid and often violent social limits, from pursuing anything else. And even if the choice were free—even if decades of hard-fought feminist struggle had occasioned the sort of emancipation that meant women were no longer analogous to serfs—could such a choice ever be “intelligent”? Some women find knitting pleasurable, comforting, and affirming of their femininity, but how many would recommend it to a friend if it carried a ten-per-cent chance of rape?

These were lively arguments in the seventies and eighties, advanced by feminists like Catharine MacKinnon and Andrea Dworkin, who had herself been battered by her husband. Today, the basic idea—often glossed as “all heterosexual sex is rape,” though neither MacKinnon nor Dworkin wrote exactly those words—seems almost farcical. Radical feminists no longer blame heterosexual women for “sleeping with the enemy.” It’s widely accepted that a woman really can consent to sex with a husband on whom she is financially dependent. The immediate though rather less accepted corollary is that she can also consent to sex with a paying stranger. To say anything else, many feminists now argue, would be to infantilize her, to subordinate her—to the state, to moralism—rather than acknowledge her mastery of her own body.

But the root of the second-wave critique, that there are power differentials across which professed consent is insufficient, lives on in other debates. Children, a class whom the poet Mary Karr once described as “three feet tall, flat broke, unemployed, and illiterate,” are an obvious example. It is easy to be horrified by situations where children are subjected to sex that is forced or coerced. But what about sex that they claim to want? Can children consent to sex with other children? With adults? Can a nineteen-year-old girl legally have what she believes to be loving, consensual sex with her stepfather? What about with her stepmother? Can students choose to have sex with their professors, or employees with their bosses? How we answer these questions depends on whom we consider to be so gullible, vulnerable, or exploited that they must be protected from their own expressed desires. (...)

One critique of consent, then, is that it is too permissive—that it ignores how coercion or delusion may result in the illusion of agreement. But another critique is that it’s too restrictive and punitive. Decades of reform laws have expanded the number of situations legally considered to be rape: it’s no longer a charge that can be brought only against an armed stranger who attacks a struggling victim, ideally a white virgin. On university campuses, the idea that “no means no” has given way—because of the well-documented fact that many people freeze and are unable to speak in moments of fear—to “yes means yes.”

Critics of this shift worry about encounters where both parties are blackout drunk, or where one appears to retroactively withdraw consent. They argue that a lower bar for rape leads to the criminalization—or at least the litigation—of misunderstandings, and so discourages the sort of carefree sexual experimentation that some feminists very much hope to champion. “I can think of no better way to subjugate women than to convince us that assault is around every corner,” the self-identified feminist Laura Kipnis writes in “Unwanted Advances,” a 2017 book about “sexual paranoia on campus.” Kipnis describes her own mother laughingly recalling a college professor chasing her around a desk and trying to kiss her. That young women today are encouraged to think of this kind of “idiocy” as an “incapacitating trauma,” Kipnis argues, codifies sexist ideas about their innocence, purity, and helplessness. Another interpretation is that young women have decided, with a rather masculine sense of their own entitlement, that they need not smile indulgently upon their transgressors. But Kipnis is right in her broader point: the bureaucratization of our erotic lives is no path to liberation.

by S.C. Cornell, New Yorker | Read more:
Image: Michelle Mildenberg Lara

Friday, January 9, 2026

Pat Metheny Group

[ed. See also: Pat Metheny: How to Build a Solo on James.]

Gary Erbe (American, 1944), Take Five, 1981-82.

Why I Fell For Transcendental Meditation

We might consider yogic flying the crowning oddity of transcendental meditation (TM), a practice that promises higher states of consciousness as well as a happier, calmer, more productive daily life. The basics of TM are not particularly out there – a 15- to 20-minute meditation, twice a day, in which you silently repeat a mantra to yourself. But for those who want to take things to the next level, the “TM-Sidhi program” taught by the Maharishi Foundation (which runs the Peace Palace), allows meditators to go even deeper – culminating in what I witness in the men’s flying hall. And this is only the first of three stages of yogic flying (though it is the only one for which there is evidence of anyone managing to achieve). In the second stage, you briefly hover above the ground; in the third, you actually… move through the air.

It is a most curious ending to my three-night retreat at the Peace Palace, which I am undertaking having started to practise TM two months before.
 
I turn up to my first session at the Foundation’s London headquarters with a collection of items I have been asked to bring along – two pieces of sweet fruit, some freshly cut flowers, a new white handkerchief – and press the buzzer on which I find a little label: “TM – a simple effortless effective meditation for everyone.”

A bald Russian man opens the door, looking more finance bro than guru in smart jeans, a pink shirt and a black gilet. His name is Pavel Khokhlachev and he will be my teacher. An interpreter, he is also “the voice of Putin on Sky News”, he tells me. He brings me down into the basement, past a little shrine to Maharishi Mahesh Yogi, the man who brought TM to the west in the late 1950s (both the meditation technique itself and the yogic flying are ancient Vedic practices), and into a room containing a couple of chairs and an altar covered in a gold-trimmed white cloth. Above us looms a large picture of the Hindu monk Brahmananda Saraswati, more commonly referred to as Guru Dev, who was Maharishi’s teacher.

Khokhlachev begins by performing a little ceremony, which I am told to keep confidential, and I am given my mantra, which I am also told I must never share with anyone. The mantra is a Sanskrit sound that does not convey any meaning. It is allocated to me using a system that is kept secret but which also comes from India’s ancient Vedic religion. The idea is that repeating it will allow some reprieve from one’s mental chatter – Khokhlachev likens it to giving a puppy something to chew on so that it doesn’t chew up your furniture. We sit down on the chairs and I do my first meditation. Unlike in some other meditation practices, in TM you don’t need to sit up poker straight or in lotus position to practise; you just need to be comfortable. If you have an itch, you can scratch it. If you want to cross your legs around the other way, you can. Even if you find yourself thinking, that’s also fine; thoughts aren’t the enemy. Just “innocently return to the mantra”, Khokhlachev tells me. The idea is that it should all feel easy, simple, effortless. If it doesn’t, you’re doing something wrong.
 
Like many people, I was drawn to TM by David Lynch, the filmmaker and artist who would have turned 80 on 15 January (the one-year anniversary of his death is five days after that). Lynch practised TM for more than 50 years and devoted much of the last two decades of his life to promoting it, setting up his own foundation in 2005 to fund its teaching in schools and to at-risk populations around the world. 

Lynch’s passion notwithstanding, I have always suspected TM to be a bit of a cult. Even the fact that it’s abbreviated to TM has always felt a bit off to me, somehow. I was quite ready for this piece to be an exposé of what a scam the whole thing is.
 
But while I can’t say I immediately feel the same level of bliss that some describe during my first meditation, something does happen that takes me by surprise. Suddenly, it’s like I’ve fallen down a hole – a very nice, quiet, relaxing hole. And the strangest thing is that it feels somehow… familiar. It’s as if I have fallen asleep, and yet I am wide awake. Some people have described it as “falling awake”. I describe my experience to Khokhlachev, and he tells me it sounds like I transcended. I leave the centre feeling most pleased with myself.
 
Over the four days of consecutive sessions – the introductory course is priced between £295 and £725 depending on one’s earnings – we continue to discuss and refine my TM technique. After my first successful session, I find it harder to access the transcendent for the next few days but I’m told not to worry. “We should come to the meditation with no anticipation and no expectation,” Khokhlachev advises. “Don’t chase the transcendence, because then it’s not innocent.”

How is this form of meditation really different from any other? Bob Roth, CEO of the David Lynch Foundation, who has taught TM to Oprah Winfrey, Tom Hanks, Jerry Seinfeld and Sting, as well as many thousands of others, tells me that there are three different meditation techniques that all have measurably different effects on the brain. There’s focused attention, such as when you concentrate on your breath, which produces gamma waves such as you might see if you were solving a complex maths problem. Open monitoring, in which you observe your thoughts coming and going in a non-judgmental way, which generates calming theta brain waves, such as we experience just before we dream. And then there’s this one, “automatic self-transcending”, which produces “alpha coherence” – increased and synchronised activity across the brain. Scientists call this “restful alertness”; some TM practitioners call it “pure consciousness”. The idea is that it has a twofold effect: the lovely feeling of transcendence while you are in it, and then the extra energy, clarity and creativity you are left with. When you have a really good meditation, the time really flies.
 
Research has demonstrated that transcendental meditation specifically has strong positive effects on a whole range of conditions. In 2013, the American Heart Association formally recognised TM as a complementary technique for reducing blood pressure and cardiovascular risk, and noted its association with a reduced risk of heart attack, stroke and death in patients with heart disease. Other studies have shown TM significantly reduces anxiety and stress more effectively than other relaxation or meditation techniques, while long-term practitioners have been found to have increased cognitive clarity, memory and emotional resilience. 

After about a month of practising TM, I start finding it easier to “transcend” – I begin to reach that place most times that I do it (although not every time). I’m struck by how much more focused I am for several hours after meditating, and how much energy it gives me – meditating in the morning sets me up for the day; meditating in the afternoon feels a bit like having a nap, but more powerful and without the grogginess. It isn’t just a vague feeling, either: according to my Fitbit, during meditation my heart rate tends to drop a beat below its lowest rate during my nightly sleep.
 
I was not expecting any of this to happen. I have meditated before and found it helpful for reducing anxiety and putting things into perspective. But I haven’t ever found it transformational in this way. I have also always found doing it a bit of an effort – something I should be doing – whereas now, most of the time, I relish the chance to do it. Lynch said that he never missed a single one of his twice-daily sessions and, inspired by him, I have so far kept a clean record, though admittedly not always for the full 20 minutes. I would suggest, tentatively, that TM might be a gamechanger.

by Jemima Kelly, Financial Times/AT | Read more:
Image: Getty
[ed. I took up TM in the early 70s (but just an occasional practioner now). Everything described here is exactly how the TM experience feels. Highly recommended.]

Prediction Market Debate: Did the U.S. ‘Invade’ Venezuela?

Polymarket users who bet on a U.S. invasion of Venezuela are crying foul after the prediction market company declared that the Jan. 3 U.S. military operation did not constitute an invasion.

Polymarket, where users can gamble on world events, has not paid users who bet on an invasion. The dispute started over a question posed to bettors on site: “Will the U.S. invade Venezuela by …” followed by a range of possible dates.

A description said the bet would pay out if “the United States commences a military offensive intended to establish control over any portion of Venezuela,” adding that “the resolution source for this market will be a consensus of credible sources.”

So when U.S. Special Forces flew into Venezuela on helicopters and snatched the country’s leader, Nicolás Maduro, and his wife in the early morning of Jan. 3, many Polymarket gamblers were ready to collect their winnings.

But later that day, after the Trump administration’s assertions that it would control Venezuela’s policymaking and oil industry, Polymarket added a note to its site stating that the operation did not constitute an invasion.

“President Trump’s statement that they will ‘run’ Venezuela while referencing ongoing talks with the Venezuelan government does not alone qualify the snatch-and-extract mission to capture Maduro as an invasion,’’ the note said.

Polymarket declined to comment on its decision.

Polymarket is regulated by the Commodities Futures Trading Commission, which did not respond to a request for comment. Roughly $20 billion was traded on the platform last year.

Bets are based on the likelihood of an event’s taking place. If it is deemed likely to happen, bets could be close to $1 and the potential payout small; if the outcome is seen as unlikely, bets could be just a few cents and have a much higher potential payout.

The odds on a U.S. invasion of Venezuela jumped after the incursion but have since plummeted, implying very little likelihood of a payout. People are still wagering on a future invasion: There is roughly $6.5 million betting it will occur through the end of January, and another $2 million betting on it through the end of March.

Comments from users on the webpage for the disputed Venezuela bet were angry at Polymarket’s decision.

“There is no mathematical possibility that the snatch-and-extract operation could succeed without invading any point on Venezuelan territory,” wrote one user. Another wrote: “Everyone is calling it invasion.”

by Joe Rennison, NY Times | Read more:
Image:Vincent Alban/The New York Times
[ed. This seems to me a big downside of prediction markets. Anyone with inside information, or worse, decision-making authority, could easily and anonymously make bets and profit. By now everyone's heard about the person who placed a 30K bet on this 'invasion' and 'won' $400K a few hours later. Hegseth or J.D. would be high on my list of suspects, but it could be anybody with close access. Fortunately, congressman Ritchie Torres (D-NY) is taking the issue seriously and proposing a ban affecting all government officials (will be interesting to see who does and doesn't support it). Also, just as an aside, why is everyone gambling these days?]

Thursday, January 8, 2026

Fossil Words and the Road to Damascus


Caravaggio, The Conversion of Saint Paul
via:
[ed. Fossil word(s). When a word is broadly obsolete but remains in use due to its presence in an idiom or phrase. 

For example, I've always understood the phrase Road to Damascus to be a sort of epiphany or form of enlightment (without knowing what it actually meant). Another example would be Crossing the Rubicon (a point of no return; or decision with no turning back). Of course, these aren't outdated words/phrases as much as shorthand for mental laziness (or trite writing habits). Wikipedia provides a number of examples of actual fossil words, including "much ado about nothing" or "without further ado" (who uses ado in any other context these days?); or "in point", as in "a case in point", or "in point of fact". So, to help promote a little more clarity around here -- Road to Damascus:] 
***
The conversion of Paul the Apostle was, according to the New Testament, an event in the life of Saul/Paul the Apostle that led him to cease persecuting early Christians and to become a follower of Jesus. Paul, who also went by Saul, was "a Pharisee of Pharisees" who "intensely persecuted" the followers of Jesus. Paul describes his life before conversion in his Epistle to the Galatians:
For you have heard of my previous way of life in Judaism, how intensely I persecuted the church of God and tried to destroy it. I was advancing in Judaism beyond many of my own age among my people and was extremely zealous for the traditions of my fathers...
As he neared Damascus on his journey, suddenly a light from heaven flashed around him. He fell to the ground and heard a voice say to him, "Saul, Saul, why do you persecute me?"

"Who are you, Lord?" Saul asked.

"I am Jesus, whom you are persecuting," he replied. "Now get up and go into the city, and you will be told what you must do."

The men traveling with Saul stood there speechless; they heard the sound but did not see anyone. Paul got up from the ground, but when he opened his eyes he could see nothing. So they led him by the hand into Damascus. For three days he was blind, and did not eat or drink anything.

— Acts 9:3–9

If You Give a Mouse a Cookie

If You Give a Mouse a Cookie

Illustrations: Felicia Bond
[ed. For future reference. Wish I'd known about this book (and series) when my grandaughter was a bit younger, but maybe it's not too late (still seven, but she's growing up fast).]

Wikipedia Style Guide

Many people edit Wikipedia because they enjoy writing; however, that passion can result in overlong composition. This reflects a lack of time or commitment to refine an effort through successively more concise drafts. With some application, natural redundancies and digressions can often be eliminated. Recall the venerable paraphrase of Pascal: "I made this so long because I did not have time to make it shorter." [Wikipedia: tl;dr]

Inverted pyramid

Some articles follow the inverted pyramid structure of journalism, which can be seen in news articles that get directly to the point. The main feature of the inverted pyramid is placement of important information first, with a decreasing importance as the article advances. Originally developed so that the editors could cut from the bottom to fit an item into the available layout space, this style encourages brevity and prioritizes information, because many people expect to find important material early, and less important information later, where interest decreases. (...)

What Wikipedia is not

Wikipedia is not a manual, guidebook, textbook, or scientific journal. Articles and other encyclopedic content should be written in a formal tone. Standards for formal tone vary depending upon the subject matter but should usually match the style used in Featured- and Good-class articles in the same category. Encyclopedic writing has a fairly academic approach, while remaining clear and understandable. Formal tone means that the article should not be written using argot, slang, colloquialisms, doublespeak, legalese, or jargon that is unintelligible to an average reader; it means that the English language should be used in a businesslike manner (e.g. use "feel" or "atmosphere" instead of "vibes").

News style or persuasive writing

A Wikipedia article should not sound like a news article. Especially avoid bombastic wording, attempts at humor or cleverness, over-reliance on primary sources, editorializing, recentism, pull quotes, journalese, and headlinese.

Similarly, avoid persuasive writing, which has many of those faults and more of its own, most often various kinds of appeals to emotion and related fallacies. This style is used in press releases, advertising, editorial writing, activism, propaganda, proposals, formal debate, reviews, and much tabloid and sometimes investigative journalism. It is not Wikipedia's role to try to convince the reader of anything, only to provide the salient facts as best they can be determined, and the reliable sources for them.

Comparison of styles

via: Wikipedia: Writing better articles
Image: Benjamin Busch/Import Projects - Wikimedia commons 
[ed. In celebration of Wikipedia Day (roughly Jan. 15). It's easy to forget how awesome this product really is: a massive, free, indispensable resource tended to by hundreds (thousands?) of volunteers simply for altruistic reasons. The best of the internet (and reminder of what could have been). See also: Wikipedia:What Wikipedia is not]

Floreat Britannia (in the Era of AI)

Reflections on 2025: The Compute Theory of Everything, grading the homework of a minor deity, and the acoustic preferences of Atlantic salmon.
***
May Britain flourish. I mean this unironically.

To say this in late 2025, however, is to mark oneself out as a dangerous contrarian, or perhaps just someone whose internet service provider has been down since the Platinum Jubilee. I say this with the stubborn affection of a developer trying to run Doom on a smart fridge: the hardware is eccentric, the display is glitchy, but deep down, I believe the architecture is solid. (...)

Britain is not currently flourishing. It is a country that has suffered catastrophic forgetting of its “Industrial Strategy” while overfitting deeply on “Artisanal Sourdough” and “Risk Assessment.” I will now establish this through the standard literary method of listing increasingly dispiriting statistics until the reader either agrees or leaves.

Real wages grew by 33% per decade from 1970 to 2007. Since 2007 they have grown by approximately nothing, representing the longest wage stagnation since the Napoleonic Wars, though in fairness to the current era, Napoleon was eventually defeated and exiled to St Helena, whereas the causes of British wage stagnation remain at large and are frequently invited to speak on panels. (...)

Our industrial electricity prices are the highest in Europe. Hinkley Point C will cost £46 billion, making it the most expensive power station ever built, with a price tag suggesting that the reactor core is being hand-carved by Jony Ive. We’re SotA on cost. South Korea builds equivalent reactors for one-quarter the cost. The Fingleton Report analyses why, citing capital structures and safety frameworks across 162 pages of sober text. But the detail that reached my heart this year, concerns the fish.

Hinkley’s fish protection measures will cost approximately £700 million. This includes an acoustic fish deterrent system referred to, apparently without irony, as the “fish disco”. Based on the developer’s own modelling, this nightclub for aquatic life is expected to save 0.083 Atlantic salmon per year. At £700 million amortised over the system’s life, this values a single salmon at roughly £140 million. This is approximately 700 times the fish’s weight in cocaine.

The stagnation of British growth is a sunk cost. We cannot unstagnate the 2010s. But what I want, as a citizen, is a system going forward where the primary constraint on energy is not the acoustic preferences of 0.083 salmon.

by Samuel Albanie, Substack |  Read more:
Image: uncredited
[ed. Pretty funny 2025 summary. I don't spend a lot of time thinking about Britain, its economy, or AI "compute" issues at cocktail parties, but this little factoid caught my attention.]

Tuesday, January 6, 2026

Ozu: The Bond Between Parent and Child

Why was I thinking about flower arrangement while watching “The Only Son” the first sound film made by the Japanese master Ozu? It must have involved the meticulous and loving care he used with his familiar visual elements. In Japan in 1984 I attended a class at the Sogetsu School, which teaches ikebana, the Japanese art of flower arranging. I learned quickly that sorting a big bunch of flowers in a vase was not ikebana. One selected just a few elements and found a precise way in which they rested together harmoniously.

If you think that ikebana has nothing to do with film direction, think again. The Sogetsu School was then being run by Hiroshi Teshigahara, the director of “Woman in the Dunes,” who left filmmaking to become the third generation of his family to head of the school. after he died in 1991, his daughter became the fourth. I gathered that the Teshigaharas believed when you studied ikebana you studied your relationship with the material world.

Now turn to Yasujiro Ozu, who is one of the three of four best filmmakers in the world, and certainly the one who brings me the most serenity. I’ve seen 14 of his films, four of them with the shot-by-shot approach. That doesn’t make me an expert, but it makes me familiar with his ways of seeing. In the films I’ve seen, he has a few favorite themes, subjects and compositions, and carefully arranges and rearranges them. Some say “he makes the same film every time.” That’s like saying “all people are born with two eyes.” What matters is how you see with them.

Over an opening frame of “The Only Son” (1936), we read a quotation by the writer Akutagawa: “Life’s tragedy begins with the bond between parent and child.” So do most of Ozu’s films. Again and again, he focuses on parents and their children, and often on their grandchildren. A typical plot will involve sacrifice by a parent or a child for the happiness of the other. It is not uncommon for both parent and child to make sacrifices in a mistaken belief about what the other desires. The issues involved are marriage, children, independence for the young, care for the old, and success in the world.

He tells these stories within a visual frame so distinctive that I believe you can identify any Ozu film after seeing a shot or two, sometimes even from a still. How he came upon his approach I don’t know, but you see it fully mature even in his silent films. For Ozu, all depends on the composition of the shot. He almost never moves his camera. He usually shoots from the eye level of a person seated on a tatami mat. He often begins shots before characters enter, and holds them after they leave. He separates important scenes with “pillow shots” of exterior architectural or landscape details. He uses evocative music, never too loud. I have never seen him use violence. When violence occurs, people commit it within themselves.

Parents and children, then families, are his chosen subjects. He tells each story with his familiar visual strategy, which is pure and simplified, never calling attention to itself. His straight-on shots are often framed on sides and back, and with foreground objects. His exteriors and groups of two or more characters are usually at oblique angles. Is this monotonous? Never, because within his rules he finds infinite variation. A modern chase scene is much more monotonous, because it gives you nothing to think about.

In “The Only Son,” there is a remarkable moment when we have a great deal of time to think. The story is about the son of a widowed mother who works in a provincial silk spinning mill. This is hard and spirit-crushing work, but she does it to put her son through high school and set him on his road in life. After graduating, he follows an admired teacher to seek his future in Tokyo. Four years pass. His mother comes to visit him, unannounced. They are happy to see one another, they love one another, but he has a surprise: He has a wife and an infant child. Why didn’t he tell her? We gather he didn’t want to create an occasion for her to visit Tokyo and find that he is very poor, has a low-paying job, teaching geometry in a night school, and that he lives in a desolate district in view of the smokestacks of the Tokyo garbage incinerators.

The rest of the plot you can discover. It leads to a conversation in which he shares his discouragement, and tells her she may have wasted her sacrifice. She encourages him to persevere. He thinks he’s had a bad roll of the dice. There is no place for him in Tokyo. Simple mill worker that she is, what can she reply to this? She sits up late, sleepless. He awakens, and they talk some more. She weeps. In a reframed shot, his wife weeps. Then Ozu provides a shot of an unremarkable corner of the room. Nothing much there. A baby bottle. A reproduction of a painting. Nothing. He holds this shot. And holds it. And holds it. I feel he could not look at them any longer, and had to look away, thinking about what has happened. Finally there is an exterior pillow shot of the morning.

If Ozu returns to characteristic visuals, he also returns to familiar actors. In “An Only Son,” the small but important role of the hero’s teacher is played by Chishu Ryu — the teacher who, after moving to Tokyo, fails to realize his own dreams and, as the son bitterly tells his mother, is “reduced to frying pork cutlets.” This was Ryu’s seventh film for Ozu. In all he was to appear in 52 of Ozu’s 54 films, between 1929 and 1962. He is the old father in “Tokyo Story” (1953).

Ryu is an actor who we recognize from body language. He exudes restraint, courtesy. He smokes meditatively. He said Ozu directed him as little as possible: “He had made up the complete picture in his head before he went on the set, so that all we actors had to do was to follow his directions, from the way we lifted and dropped our arms to the way we blinked our eyes.”

by Roger Ebert, RogerEbert.com |  Read more:
Image: The Only Son
[ed. I don't watch much tv, which is sometimes unfortunate. It'd be nice to have that little distraction whenever boredom (or ennui) sets in and whatever book I'm reading isn't finding traction. Anyway, tonight I decided to look for a foreign film that would be time well spent. Of course, in deciding what to choose I fell down this rabbit hole. I've seen Tokyo Story, but little else of Ozu's work. I'll start with The Only Son, then see what An Autumn Afternoon has to offer:]
***
"The more you learn about Yasujiro Ozu, the director of “An Autumn Afternoon” (1962), the more you realize how very deep the waters reach beneath his serene surfaces. Ozu is one of the greatest artists to ever make a film. This was his last one. He never married. He lived for 60 years with his mother, and when she died, he was dead a few months later. Over and over again, in almost all of his films, he turned to the same central themes, of loneliness, of family, of dependence, of marriage, of parents and children. He holds these themes to the light and their prisms cast variations on each screenplay. His films are all made within the emotional space of his life, in which he finds not melodramatic joy or tragedy, but mono no aware, which is how the Japanese refer to the bittersweet transience of all things.

From time to time I return to Ozu feeling a need to be calmed and restored. He is a man with a profound understanding of human nature, about which he makes no dramatic statements. We are here, we hope to be happy, we want to do well, we are locked within our aloneness, life goes on. He embodies this vision in a cinematic style so distinctive that you can tell an Ozu film almost from a single shot."

Blame and Claim

A public adjuster on insuring a burning world

Just off a hiking trail, not far from where Sunset Boulevard meets the sea, a fuel and an oxidant combine and combust. The underbrush is dry and dusty, and within an hour flames engulf your home. Smoke fills your kitchen and your garage. Flecks of wallpaper from your children’s bedroom float down onto a nearby parking lot. Your wedding photos melt, as does your car battery. The glass windows of your dining room shatter and temperatures reach a thousand degrees. The root cause might have been a mountaineer who burned his toilet paper at dawn, a spark at a faulty transmission line in the foothills, a discarded cigarette fanned by the Santa Anas, or, simply, arson.

But it is too early to assign blame. Your attention is elsewhere. You are not home and you cannot get there, as the fire department has evacuated your neighborhood, the Pacific Palisades in Los Angeles. Your mind races, and you reach for your phone to ensure your family is safe even if you have already heard from them. Maybe you call the police, even though you hear the sirens throughout your neighborhood and see the caravans of emergency vehicles filling the streets.

When you do manage to get home, you stand on the sidewalk watching your rafters collapse and, covering your mouth with a shirtsleeve, you make your next call, to your insurance company to file a claim. You don’t know what this process entails. You have never filed a homeowner’s or business insurance claim, you have never read your policy, and you do not know if your policy covers what has happened, since you do not know what has happened or what caused it.

You are unaware that the insurance industry has been, in recent years, denying more claims and more coverage, exiting major markets, and raising premiums. As governments and corporations continue to enable fossil fuels, throttle renewable-energy sources, and deny long-established climate science, the related catastrophes (fires, floods, droughts, storms) and social effects (mass migration, war over natural resources, economic and demographic stratification) are increasingly commonplace and metastasizing. This new world order transfers the risk and harm of the disaster business by way of the insurance industry onto you, the consumer. On an episode of the climate science podcast A Matter of Degrees, Dave Jones, a former California insurance commissioner who is now the director of the Climate Risk Initiative at UC Berkeley, said, “For many Americans, the single biggest financial asset you have is your home. If you don’t have insurance or you can’t afford enough insurance and that home is destroyed, then you’re left with basically nothing. Insurance is the climate crisis canary in the coal mine, and the canary is just about dead.”

Days later, as embers still burn and you begin to accept that not one object will be recovered or salvaged from your home, your insurance company sends one of its employees or contractors, called an adjuster, to assess the damage, value what is or was, and (hopefully) make an offer of payment. While insurance companies defend their adjusters as necessary agents who help them evaluate claims, critics label them as conflicted loyalists who will undervalue losses, delay settlements, and pressure policy holders to settle quickly.

But as you stand there, a man in business-casual attire emerges from the smoke and approaches you apprehensively. He introduces himself as someone who can help. His title, too, is adjuster, but if you are able to focus enough on his pitch, he tells you he is not an employee of your insurance company or of a roofing company or a general contractor. If you would like help navigating the ashes of your new life, he will help you rebuild: independently value your losses, handle communications and negotiations with your insurer, draft paperwork, and take care of the settlement of the claims. He is part private detective, part lawyer, part psychologist. All of this sounds reasonable, so you take his card and tell him you’ll be in touch.

That evening, as you make plans for your family to sleep at a nearby friend’s house or in a hotel, some quick internet research teaches you this “public” adjuster is indeed part of a legitimate industry (although sometimes public adjusters, you discover, are known as “private” adjusters). Staff adjusters, you learn, are the ones that work for insurance companies, and independent adjusters are contracted for certain projects by insurance companies.

This ecosystem of adjusters is baffling, but you decide to retain the public adjuster. As you sign his contract, he informs you that he will take a significant cut of any claim settlement he negotiates. Your calculation is that outsourcing the administration of the recovery of your life is worth the cost—so long as the insurance company agrees to write a check.

I recently spoke with the president of a large public adjuster firm in California that represented victims of the Palisades and Eaton fires that broke out in early 2025 and destroyed about sixteen thousand buildings on nearly forty thousand acres, causing tens of billions of dollars in damages. This conversation has been edited for length and clarity.
***
Tyler Maroney: How many claims does the average public adjuster typically handle in a year?

Adjuster: It depends on the size of the claim, but some will do a hundred claims a year, mostly smaller—$10,000 claims or $50,000 claims. But if you’re talking about somebody who’s handling complicated claims, I’d say an average load for an adjuster is somewhere between twenty and fifty a year.

TM: And you handle more than just massive disasters, right?

Adjuster: We respond to disasters every day, 365 days a year. Some of them are disasters that affect a hundred people or a thousand people. Those are big events. But there are buildings that burn down every single day. It doesn’t matter whether you’re in Minnesota or if you’re in New York, there’s water damage, there’s flooding, there are fires, there are robberies. It doesn’t require a hurricane or a wildfire for there to be a need for our service.

TM: I’ve read that clients don’t really know that public adjusters exist until they are desperate. Is part of your job getting the word out that this is an industry?

Adjuster: We’re luckier now in today’s world of technology because people can search for things online. I’ve been doing this thirty-three or thirty-four years, when there was no internet to search. If you had an insurance claim, you only had the connections you had, but today people can type into Google, “Can I get any help with my insurance claim?”

TM: I presume you go out into the field to attract clients?

Adjuster: Yes, part of the job is to be out there when an event happens or shortly after an event is over, to let people know that we exist.

TM: When a large fire like in the Pacific Palisades in Los Angeles breaks out, you go as quickly as possible to the scene?

Adjuster: Yes. When you show up at somebody’s house and the family is in the front yard crying and trying to save things that aren’t savable, it’s sad. Sometimes it’s total loss, and you find people sifting through the rubble, lining up bits of pottery.

TM: And when you approach these suffering people, how do they respond?

Adjuster: You get a wide range of emotional responses, from “Get the fuck off my property, you ambulance-chasing vulture” to “Oh my God, we’re so lost. We don’t know what to do. Thank you so much for being here. Can you help us?”

TM: That must be a difficult emotional minefield to wade into.

Adjuster: Yes, and when you’re walking up to meet these people, most of the time they’ve never heard of a public adjuster. They have no idea who we are or what we do or that it’s a licensed profession. It can look like we’re trying to prey on people when they’re at this vulnerable point. The reality is that’s when they need help the most, because often they do whatever the insurance company tells them to do. That puts them in the worst spot they could be in.

TM: Worst spot?

Adjuster: So, say someone calls us six months after a fire. They have been arguing with their insurance company about the value of a claim and then, out of nowhere, they get a $65,000 bill from the restoration company [a third-party, for-profit vendor] and they want us to deal with that too. We have to say: You already agreed in writing and signed for them to do that work. That money’s gone, you spent it. We can’t take that back because it was an agreement you made before we were involved.

Most people just know they have an insurance agent that sold them some insurance, and they do what they’re told. Often that results in mistakes.

TM: What kinds of mistakes?

Adjuster: I’ll give you the easiest one. There is a fire in your house, but it burns only part of your house down. There’s still stuff in it. It’s not like a wildfire where it burns all the way to the ground. So the insurance company comes out, and they bring a restoration contractor. He’s going to help you get your stuff out of the house, store it, and get it cleaned up. Seems like an incredibly important service. He says it’s going to get worse if we don’t get your stuff out of the environment. Just sign here.

TM: Okay.

Adjuster: If the owner asks, “Who pays for this?,” the automatic response is “Oh, don’t worry about it, the insurance company pays for it, it’s part of your policy.” It makes perfect sense at the time. What they don’t share is that it erodes your contents limit [which means it reduces how much money the insurance company is likely to pay out]. You have given them carte blanche, and they can bill the insurance company directly. They charge not only for clean-up but for storage. And there’s no language that protects the homeowner if they’re not happy with the service.

TM: The homeowner is vulnerable at this point.

Adjuster: What they don’t understand is that six months from now, their stuff has all been cleaned, and the restoration company charged maybe a thousand dollars to clean something that was worth four hundred dollars and they don’t even want anymore. They could have just said, “Oh, a thousand dollars to clean that item? I don’t care about that anymore. Give me the thousand dollars.”

TM: And what can you do as an adjuster to prevent this?

Adjuster: You can say to the insurance company that our client wants to select items that have intrinsic value or that we believe are valuable enough to save and restore. We can advise that often the cost to clean something is more than its value or that it’s too damaged to properly restore it. Otherwise, a homeowner will find out that the restoration company has charged $65,000 when they have $300,000 of coverage for their contents, and that $65,000 is coming right off the top, and the cleaning costs reduces the amount of insurance they have for the things that they’ve completely lost.

TM: Back to the field, is the pitch as simple as “Hi, this might be awkward, but my name is x and I’m a public adjuster, which means I help people like you”?

Adjuster: Yeah. Often it’s “Your insurance company’s going to come out here, they’re going to assign an adjuster. That adjuster works for the insurance company. They don’t work for you. You have the opportunity and you have the right to hire your own public adjusting team that counterbalances the insurance company’s team so that you have an advocate who’s a true advocate for you to level the playing field.” That’s the pitch.

TM: Do you have a sense for what percentage of people who’ve been victimized by a catastrophe are able to engage public adjusters? I assume that most people, when they’ve gone through something like that, call their insurance company, right?

Adjuster: That’s traditionally what happens, yes. They either call their agent, if their insurance agent is somebody who they’re close with, or they call the insurance company and give notice that they have a claim. And some agents will refer clients to us in a secretive way. Some brokers [who work for policy holders, not insurance companies] think that if the carriers see that they’re recommending a public adjuster, that will be bad for their reputation with the insurance carriers. Some brokers don’t care.

TM: So how does that work?

Adjuster: Some brokers say, “Hey, don’t tell anybody I told you this, but you should talk to x public adjuster.” Or sometimes it’s more open, like, “Hey, [this public adjuster company] helped a lot of my clients, so you might want to talk to them.”

TM: So how do the brokers respond to you?

Adjuster: There are insurance brokers who haven’t worked with us or don’t know us. Or they feel threatened because they were hired to do this job, and by bringing or inviting you in as a public adjuster, they’re admitting that they don’t know what they’re doing. If you’re a salesperson and you’re selling insurance policies and you’re a credible person, you want to believe that what you’re selling is the best product available. You want to hold your head up high and say, “I represent x insurance company and they’re great insurance.” So for some insurance brokers, saying “Maybe you need help getting money” is saying something negative about the insurance company. For some insurance agents, that doesn’t feel right.

TM: Do you feel you are adversarial to insurance companies?

Adjuster: We are advocating for the policy holder, not the insurance company. The insurance companies like to say, “Why do you need a public adjuster? We’re going to pay you all the money you’re owed anyway.” But if that was true, then why would they care? Why would they even have that discussion if they’re going to pay the same benefits regardless of whether somebody has somebody helping them put it together? The reality is that they’re going to pay as little as they can. So are we adversarial, or are we just taking the workload off the policy holder? It’s an arduous process. Imagine a family where everything is gone, disappeared into the smoke, and you have the burden of sharing with the insurance company everything that you lost. Where would you start?

by Tyler Maroney, The Baffler |  Read more:
Image: Andrew Norman Wilson.
[ed. Public service post. Reminds me that I need to do an annual homeowner's insurance review. Been wondering how premiums and coverage have changed in the wake of increasingly common climate-related disasters. Unfortunately, no detail is provided on what these services are likely to cost (other than a "significant cut" of any negotiated claim settlement).]

“My folks really wanted me to eat a doctor or a lawyer.”

Image: Charlie Hankin via

Guy Buffett, “The Making of the Perfect Martini” (for Absolut vodka).
via: