Archive for the Law Category

An “Occupy Primer” (November 14, 2011)

Posted in Bailout/Bribe, Banks and Banking System, Economics, Kleptocracy, Law, Occupy Movement on November 14, 2011 by e-commentary.org

. . .

?          “The Bonus Marchers sought what?”

!           “Bonuses owed to them by the government.”

?          “The civil rights advocates sought what?”

!           “Civil rights.”

?          “The women’s rights proponents sought what?”

!           “Women’s rights.”

?          “Those who sought to end the war in Vietnam sought what?”

!           “To end the war in Vietnam.”

?          “Those in the Occupy Movement seek what?”

!           “Simple.  They seek to end a game that is rigged at every step against everyone except a very small elite.  They seek to change a political and financial and legal and schooling scheme that is corrupt and decadent from top to bottom and from right to left.  They seek a build a future but suspect that there is not one.  They seek to replace the current vacuous kleptocracy with a viable democracy.  They seek to start a discussion and a dialogue among equals in an outdoor Academy to supplant the lies foisted on them from those in power.  That type of stuff.”

?!         “They want a fair chance.  I get it.”

. . .

[See the “e-ssays” titled Occupy America (October 10, 2011) and Occupy America: The “Bonus March/Chicago Police Riot/Kent State” Of 2011? (October 17, 2011)]

[See the “e-ssay” titled America Recycles Day, November 15 (November 15, 2010) and celebrate “America Recycles Day” tomorrow by doing something.]

Bumper stickers of the week:

We are the 99.9%

Occupy Jenkins Hill; Occupy Capitol Hill

Occupy [our small burg]

(Neoclassical) Economics – “The Dismal Religion”

(Neoclassical) Economics – “The Delusional Religion”

I won’t believe that a corporation is a person until Texas executes one

Fire Your Attorney General (November 7, 2011)

Posted in Banks and Banking System, Courts, Crime/Punishment, Health Care, Housing, Kleptocracy, Law, O'Bama, Occupy Movement on November 7, 2011 by e-commentary.org

. . .

U          “A state attorney general represents the people of the state in legal matters.  The attorney general is your attorney representing you as a citizen.  What are all these state attorneys general doing maintaining frivolous litigation against Romney – O’Bama Care?  They are tying up the courts and wasting tax dollars.”

V          “Their acts of commission are matched by their acts of omission.  Too many attorneys general are ready to give immunity to banks for all their crimes and fraud rather than doing their job and taking the banksters to court.  We need to fire the state attorney general before he can do more harm.”

U          “In my state, do we need to fire her or will she do her duty?”

V           “Do we need to fire the Attorney General?”

. . .

[See Gretchen Morgenson, “A Deal That Wouldn’t Sting,” The New York Times, October 29, 2011 at http://www.nytimes.com/2011/10/30/business/a-foreclosure-settlement-that-wouldnt-sting.html?]

[On Saturday, good citizens withdrew their funds from national banks and deposited them in credit unions and community banks as part of “National Bank Transfer Day.”  See the “e-ssay” titled “Boycott Big Banks (February 1, 2010)” and the “e-ssay” titled “Carefully Courting “Romney – O’Bama Care” Through The Courts (August 15, 2011).”]

[Wall, Berlin – 8-13-1961 – 11-9-1989]

Bumper stickers of the week:

Boycott Big Banks

Divest nationally; invest locally   

Fire your attorney general

Are Courts Irrelevant? Are Courts Illegitimate? (October 3, 2011)

Posted in Courts, First Monday In October, Law, Movie Reference, Pensions, Supreme Court on October 3, 2011 by e-commentary.org

. . .

a          “The Supremes open the doors today.”

b          “Didn’t His Excellency Chief Justice John G. Roberts close the doors to the Supreme Court years ago.”

a          “He did.  They will let themselves in to resume their part-time jobs receiving full-time pay and lifetime tenure via a side door, the service entrance if you will.”

b          “That is the gig of a lifetime.”

a          “The Supremes have not only closed the doors to the Court, they are closing the doors on the American dream.”

. . .  

a          “Hard to dispute that courts exist to incarcerate the underclass and to insulate the ruling class from responsibility.  That isn’t all bad, I guess.  Seems to depend on whether you have class.”

b          “Courts exist to give the pretence of the peaceful resolution of disputes and thereby to keep the masses from rioting.”

. . .

a          “Rating the characteristic judicial attributes is a close call.  Some days it is arrogance, other days it is anger.  It is always a close competition – anger, arrogance, arrogance, anger.” 

b          “I have endured many a nasty temper but few a calm judicial temperament.  Nothing will ruin a morning like appearing before a judge who is mired in a sterile marriage and fulminating over a fertile daughter.  He can use the bench as a bully pulpit for his undigested anger.”

a          “Or she for hers.”

b          “Or she for hers.  Some of these cats are as angry as a fer-de-lance with a hangnail.”

. . .

a          “Some days the judges sport a sourcaustic attitude, other days a condescending tone.  It is always a close competition – sourcaustic, condescension, sourcaustic, condescension.”

b          “I have collected court decisions in a file over the last few years.  The ‘Festschrift of Fear and Anger’ is in galley proofs.” 

. . .

a          “We equip police with batons and judges with gavels.  Both are used to beat.  There must be something in the fabric of the black moo-moo that transforms a person on the bench.”

b          “With increasingly few exceptions, judges are little more than tedious technicians and boorish bureaucrats reaching tendentious decisions.”

a          “Respect is an admixture of admiration and fear.  I don’t admire our judges; I do fear them.”

b          “They are not serving a useful function, yet they consume tremendous resources and waste a tremendous opportunity.  I have increasingly less use for them, yet they are drawing a regular paycheck and will draw a pension and do everything while on the bench to protect their paycheck and pension.”

 . . .

a          “The wrong lawyers are securing judgeships.  The wrong persons are obtaining political office.  Any attempt to reform the legal system must rely on the same raw material.  There is not much there.”

b          “Nothing like what I thought in law school.”

a          “What’s happened?”

. . .

[See the “e-ssay” titled “On Respect, Fear, Admiration and Irreverence (December 17, 2007)” and the “e-ssay” titled “Congress Should Increase Congressional and Judicial Pay; Shareholders Should Reduce CEO/CFO/COO Pay (March 5, 2007)” written at a time when the courts seemed to appear to offer the possibility of being part of the solution.]

Bumper stickers of the week:

Judge = FePb

Laws are not etched in stone today, they are concocted with an Etch A Sketch (R)

“. . . And Justice For All” movie with Al Pacino (1979) 

September 17 – Constitution Day (September 19, 2011)

Posted in Congress, Constitution, Law, Taxation on September 19, 2011 by e-commentary.org

. . .

A          “We celebrate America’s Protest Poem on July 4 yet don’t celebrate adoption of America’s Owners Manual on September 17.  Last Saturday was Constitution Day.”

B          “After proclaiming ‘Enough’ and declaring their independence, they spent almost a dozen years debating ‘Now what?’  Must admit they did an admirable job admixing a little British brewed due process and rule of law with French fueled separation of powers.  And providing for taxation with representation.”

A          “The fellows endeavored to check and to balance interests, although some curmudgeons allege they advanced their financial interests to balance their checkbooks.”

B          “They probably didn’t retreat from pursuing their financial interests.  Even if they were motivated by mixed interests, the final product is workable and works.  And is not a bad start.  Limiting participation and protection to well-to-do white boys was not the best start, yet look at the plight of mankind to that point.  Man was not very kind.”

A          “Too many hucksters today are so certain they know what was happening then and what was meant by the founding fellows.  Every Owners Manual is supplemented and modified over time as our understanding and insights grow and develop.”

B          “Still contend we should celebrate with a bar-b-que and a few fireworks.”

. . .

[See the “e-ssay” titled “One Gun Per White Adult Male? A Flintlock Musket? The “One Man, One Gun” Decision (October 4, 2010).”]

Bumper stickers of the week:

The Founding Fathers were fans of taxation?  Since when?

The Founding Fathers created a government rather than destroying one?  Since when?

The Constitution was written by geniuses so that it could be interpreted by fools, but nothing commands that it be interpreted by fools.

“the greatest of all reflections on human nature.”

Doctorin’ And Lawyerin’ And Laborin’ (September 5, 2011)

Posted in Health Care, Law, Medicine, Society on September 5, 2011 by e-commentary.org

. . .

D          “After the team gives the usual heroic effort and pulls off a miracle, the patient and family proclaim ‘Thank God’.  When God decrees a different but ultimately inevitable outcome, the family always wonders whether I could have done more.”

L          “If the outcome is favorable, the client takes credit and says that he should not have to pay.  If the outcome is unfavorable, the client assigns blame and says that he should not have to pay.”

. . .

Bumper stickers of the week:

Ernesto “Che” Guevara, M.D.; Fidel Castro, J.D.

“How can I ever repay you?”  “You can pay my bill?”

“What do lawyers use for birth control?”  “Their personalities.”

The Federal Labor Standards Act of 1938 intended in part to increase the cost of working an employee more than eight hours a day so that others would be hired and put to work.  Employers now hire workers for less than eight hours a day so as to avoid the requirements of the statute and thus pay fewer benefits to those few individuals who are hired.

Carefully Courting “Romney – O’Bama Care” Through The Courts (August 15, 2011)

Posted in Banks and Banking System, Constitution, Crime/Punishment, Health Care, Kleptocracy, Law, O'Bama, Supreme Court on August 15, 2011 by e-commentary.org

. . .

Y          “I don’t really like it either.  But it is constitutional, isn’t it?”

X          “Yup.  No big deal, really.  The Constitution does not create a likeability test.  The Constitution establishes a constitutional test.  Governments have been requiring individuals to acquire automobile and other insurance and to undertake duties for decades without whining.  No one opts out of fire protection and thus we all pay for it.  If each of us is left to obtain private fire insurance, all of us must be compelled to obtain and pay for fire insurance.  At its core, health insurance policy clearly involves interstate commerce.”

Y          “It really is about personal liberty and property.  If you don’t have health coverage, I must pay for your health coverage because other laws not challenged as unconstitutional mandate that you receive health care.  Making me pay restrains my liberty and deprives me of my property.  And you know me, a proud taxpayer.  Why all the fuss?  And why all the rampant litigation?”

X          “Someone observed that we are dealing with judges trained in American law schools who want to play legislator without running for the legislature.  More judicial arrogance.  More judicial activism.”

. . .

Bumper stickers of the week:

– 11 + 6 = 5:  The Eleventh Circuit says NO*; the Sixth Circuit says YES; the Five Supremes will enact health care policy

A 207 page decision?  Not even 207 words are required.

What are all the state attorneys general doing pursuing the legal challenge to Romney-O’Bama Care while capitulating to the Big Banks and surrendering the major legal issues?

There is no law, there is only ideology

I hope laughter is the best medicine – it is all I can afford

(M)End The Fed (July 11, 2011)

Posted in Antitrust, Banks and Banking System, Bernanke, Crime/Punishment, Federal Reserve, Language, Law, Monopoly, O'Bama, Politics on July 11, 2011 by e-commentary.org

. . .

K          “The vocal critics of the Fed are missing the point.  Stated simply, every nation needs a central bank, but the Big Banks own and operate the Federal Reserve.  Stated another way, the country tolerates a misunderstood institution – the Federal Reserve – that is an unrestrained cancer and at the same time lacks an institution it desperately needs – a central bank independent of excessive political and any private interference.”

L          “A transparent central bank?”

K          “Call it whatever you want.”

L          “A responsive central bank?”

K          “Responsive to something other than Big Banks.  Bernanke* should have the intellect to understand the problem and the integrity to compel change, yet even he may take his marching orders from others.”

L          “He, Geithner and the others either assisted in creating the problem or allowed it to fester and permutate.  Now O’Bama is serving the interests of the financial industry at a time when his Department of Justice should be serving members of the financial industry with sub poenas and criminal indictments.  What incentive it there for him to reform the financial industry or the Fed.  Simply look at who he is soliciting for campaign contributions.”

K          “He was caught.  He simply could not get elected and cannot get reelected without the money.  No one is able to identify one industry in America that is not completely monopolized today.  Banks are among the biggest offenders.  Without a market, there is not a market and are not market forces.  Change likely will not come until there is a complete economic collapse.  That situation may generate enough sustained interest and desperation among those who can change affairs to reform the system.”

L          “Or the catastrophe may not leave any choice.” 

. . .

Bumper stickers of the week:

Antitrust Chief Flees; Monopolies Reign Freely

Because you don’t have to do the time, do the crime

Big sticker; small font sans serifs; big bumper:

UNITED STATES OF AMERICA

BEFORE THE

BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

WASHINGTON, D.C.

___________________________________

Written Agreement by and between

BIG BANK,

New York, New York

And

FEDERAL RESERVE BANK OF NEW YORK,

New York, New York

___________________________________

.          WHEREAS, in recognition of their common goal to maintain the financial soundness of Big Bank (the “Big Bank”), a nationally chartered bank that is a member of the Federal Reserve System, the Big Bank and the Federal Reserve Bank of New York (the “Reserve Bank”) have mutually agreed to enter into this Written Agreement (the “Agreement”).

.          NOW, THEREFORE, the Bank and the Reserve Bank agree as follows:

  1. Within ninety (90) days of this Agreement, the board of directors of the Big Bank shall submit to the Reserve Bank a written plan to divest itself of any and all deposits and assets in excess of one hundred billion dollars ($100,000,000,000.00) . . . .

Playin’ The Legal Game (March 28, 2011)

Posted in Law, Society on March 28, 2011 by e-commentary.org

. . .

Y          “In high school and college, it was about Truth and Justice.  In law school, it was about the law and the facts.  In practice, it is about personality and politics.”

X          “And allegiances, alliances, animosities, prejudices and peccadilloes and all the human drama.  You see, you actually believed.  They still admit a few of you.  Some of us knew.  Some of us had nothing else to do.  Some of us had to do it.”

Y          “Seems so naive in hindsight.  Around that time, the illusionment phase was devolving and transitioning into the disillusionment phase.  Law school was part of the process.”

X          “One of the final phases.  They never noted that at the outset of a case, my two concerns are to discern the names of the other attorney and of the judge.  Everything else is incidental.  Other than to make sure that I get paid.  And to let them know that if they do not have any money, they do not have any rights.”

Y         “I feel obligated to share those insights at the outset with clients.  They are perplexed, outraged, frightened and disgusted.”

X          “However, if you can work that circumstance to their advantage, they are never outraged.  I tell a client that the side willing to commit more money to the campaign will in all probability prevail.  And it is a campaign, like a military campaign, because it is thinly veiled violence.  The biggest challenge confronting a lawyer is to convince the judge that he or she should find a way to rule in your favor.  Whatever it takes.  Would you do it again?”

Y          “Law school?  Law practice?”

X          “Either.”

Y          “I liked the ideas and the possibility of the law from a young age.  Practice is not much more and not much less than a game.  You can take the game.  You?”

X          “Once again, what else would I do?  Law school was the next stage.  Law practice is the stage after that stage.  Law practice is what I was expected to do.  A family legacy, a family disease.  Since day one, however, I have inculcated my kids that they should avoid the dead-end careers of law and medicine and go into something profitable like sports or entertainment.”

Y          “I would check the box to check out in two years.  The third year exists to create a barrier to entry.  Each year of life now is too precious.”

X          “If you can stay sober for three years, you can get through an American law school.  I can’t say that a three year sentence has been effective in reducing the hordes.  We get billions of resumes every day.  We could fill every position down to the janitorial staff with a lawyer admitted to and in good standing with a state bar.”

Y          “The third year just drives up the cost of legal services.  And yet the lure of more expensive rewards in turn compels kids to put up with the third year.”

X          “B school is over in two years.  The law school industry wants the law to be one year more prestigious than business school and one year less flash than med. school.”

Y          “How long does it take to learn how to lie skillfully.  I was asked to speak to some young lawyers yet couldn’t do it because of my own personal convictions about the “tell the whole truth” thing.  Opening by telling them that the legal system is far, far, far worse than I ever imagined here in law school would not be politic.  Angling for a judgeship?”

X          “Not a chance.  Of getting it or trying to get it.  Once maybe.  I have the ego, but I don’t have the patience and don’t want to be involved any more than I have to be in the game.  Too many judges don’t get it; some judges don’t get it because they are not getting it.  I’ve mucked around in dirty underwear for too long.  And I would rather go angling for a largemouth than listening to loud mouths.”

Y          “How life changes.  I always assumed that I would end up being a judge.  But I know what you’re saying.  Today, I want as little to do with the legal game as possible.”

X          “The appeal of being a judge is that you don’t know the rules and don’t need to know the rules.  When someone directs you to a rule or law, you only must decide whether to follow it or not to follow it.”

Y          “I held up our state rule book and noted to someone:  ‘This is injustice.’  There are far too many rules that only serve as a barrier to entry to keep lawyers from representing parties.  The public loses.”

X          “Always does.”

Y          “What’s the exit strategy?”

X          “Still waiting for the big score.  Class action, mass tort, airplane crash.  A celebrity divorce would work.”

Y          “What if the only exeunt is to quit playin’ the legal game.  Are you going to the lunch?”

X          “Only if it is a fund raiser.”

Y          “Notice how the tables have turned.  One old boy professor was remarkably obsequious last night.  That’s another fact I realized quickly in practice.  In a business that exalts credentials over human capital, the legal game selects law professors almost because they have never practiced law and do not understand the system.”

X          “The entire legal faculty in America is drawn from such a parochial and provincial group that is distinguished only by the fact that they have never practiced law.  And they were the gatekeepers.  Now we have the wallet.  They want the wallet.  It’s all about wallet.”

. . .

http://www.youtube.com/watch?v=nMvARy0lBLE and subsequent installments.

Bumper stickers of the week:

Better to know the judge than to know the law.

I’ve watched a lot of you come and go over the decades at this firm.  Never forget that you can never be smarter than the judge.

The law is whatever the judge says it is today, except that it may be different tomorrow in the same judge’s court.

You know your problem, son, is you let your knowledge of the law get in the way of the way we do it over here.

Never forget, son, every litigation case takes a piece of your soul.

In Sexy Opinion, Supreme Court Affirms First Amendment (March 7, 2011)

Posted in First Amendment, Journalism, Law, Newspapers, Supreme Court on March 7, 2011 by e-commentary.org

Torn from today’s headlines:

A          “Justices Rule For Anti-Gay Protestors at Funerals” also reported as “High Court Rules For Anti-Gay Protestors at Funerals”  The National Public Radio

B          “Justices Rule For Protestors At Military Funerals”  The New York Times

C          “Supreme Court Rules First Amendment Protects Church’s Right To Picket Funerals”  The Washington Post

D          “Supreme Court Sides With Churchgoers Who Picketed Military Funeral”  The Los Angeles Times

E          “Supreme Court Says Anti-Gay Protestors Have A Right To Demonstrate At Military Funerals”  The Chicago Tribune

F          “First Amendment Protects ‘Hurtful’ Speech, Court Says”  The Wall Street Journal

What is The most correct answer?  F

. . .

G          “Sexy headlines sell.”

H          “Didn’t the Supreme Court simply affirm the First Amendment?”

G          “Exactly.  However, if a sexy headline attracts more readers, go for it.  We need people to read.  And think.  And support the newspaper.”

H          “There are winners and there are losers which may be what the public really is interested in tracking.”

G          “Perhaps the decisions should be posted in the Sports section of the newspaper.”

H          “Judges often make result oriented decisions.  They decide who should win and then spin the facts and law to make the outcome appear to the reader to be a fait accompli and beyond reasonable dispute.”

G          “In this case, the Justices looked at the law.  They acknowledge the hate that motivates the speakers and the hateful message they deliver and reaffirm the fundamental right.  Every attempt to formulate an exception undermines the most important Amendment.”

H          “I read that Democratic and Republicans leaders of the Senate and a few dozen members of Congress filed a brief on behalf of the family.  They endured the vile and evil actions and statements of the protestors.  Can’t they just go away.”

G          “Law should be removed from the political process.  The Supreme Court redeemed itself again in this case and the case involving the Federal Communications Commission and AT&T.  The winds are blowing from a different direction.”

. . .

[See the “e-ssays” dated June 25, 2007 titled “The Supreme Court On Drugs” and dated January 25, 2010 titled “Bill/Melinda and Warren, It Is Time To Get Into The Game” discussing bad hair days at the Court.]

Bumper stickers of the week:

I get along with God just fine; it’s his fan clubs I can’t stand.

I’m a big fan of God; I’m not a big fan of his fanatics.

Is A “Strategic Default” Of A Mortgage Now A Moral Imperative? (February 28, 2011)

Posted in Bailout/Bribe, Banks and Banking System, Courts, Crime/Punishment, Economics, Housing, Kleptocracy, Law, Society, Supreme Court, TARP on February 28, 2011 by e-commentary.org

. . .

S          “You have heard of them.  A ‘strategic default’ is a default by a person who could make the monthly payments on the mortgage yet elects to cease making the payments because the property is underwater financially.”

D          “There are a flood of them today.”

S          “A strategic default may be de rigueur today.  Look at the law.  Start with the indoctrination process in law school.  Young law students are taught the theory of ‘efficient breach’ which counsels one to breach a contract if breaching the contract is worth more than performing the contract.  That is defined as ‘efficiency.’  The students who answer obediently get on the law review, clerk for the Supreme Court and make millions representing banks, big businesses and insurance companies.”

D          “And assist in running them into the ground.”

S          “That’s the plan.  They don’t even understand ‘efficiency.’  In practice, the party breaching the contract is not spawning a more efficient use of global resources.  The breaching party simply does not want to pay or perform and usually has far more money and can overwhelm the non-breaching party in court.  The party not receiving payment or performance loses big and usually has little judicial relief.”

D          “With a few exceptions, the legal system seems to exist to protect and serve the interests of the wealthy and the well-connected. I’ll take my direction from no one other than the MBAs at the MBA (Mortgage Bankers Association) who recommend defaulting on your mortgage if it is not working for you.  The banksters decided not to pay the mortgage on the MBA office building in D.C. (Washington, D.C.), even though the group had the funds to pay.  The banksters strategically defaulted.”

S          “They are indeed an example for all.  When the government bribed and bailed out the banks and other institutions, some contended that the government could not breach the contracts providing for unwarranted and illegal bonuses.  How un-American.  The government should have disregarded every contract and required the banksters to bring suit.  How American.”

D          “Allowing the banksters to file suit would allow them to file in a sympathetic Republican Federal District Court and possibly steer the case to a receptive judge.”

S          “Always a risk in the legal game.  However, before the banksters brought suit, their legion of lawyers would remind them that they could confront defenses and counterclaims.  In court, the government could assert a dozen affirmative defenses and also counterclaim for fraud, deceit, perjury, conspiracy, embezzlement, racketeering, misrepresentation, breach of fiduciary duty, obstruction of justice, etc.  Some of the banksters would not file suit which is the least expensive and, yes, the most efficient way of reaching a just resolution.”

D          “Seems that the courts are stacked against the public.  Nonetheless, there is a small chance that an independent judge might hear some of the cases and hold that the bonuses are illegal.  An affirmative award against the banksters is improbable but not impossible.”

S          “Neither the Republicans nor the Democrats ever intended to bring criminal charges against the criminals.  We seem at times to be alone in a lawless world with millions of laws on the books.  We in America have moved from a democracy to a kleptocracy.”

D          “And no one to throw the book at them.  Except that the law and morality are clear.  Homeowners are morally obligated to default on the payment of their mortgages if the property is underwater financially.  The government is morally obligated to default on the payment of the bankster’s bonuses.  In today’s amoral America, a strategic default is both an economic necessity and a moral imperative.”

S          “Perhaps a provision should be added to Title 18 of the United States Code making it a crime not to strategically default if the property is underwater financially.  Not to strategically default is so un-American.  And inefficient.  We just can’t have that.”

D          “Strategically defaulting immanentizes the eschaton.”

S          “Indeed.”

. . .

Mortgage Bankers Association Defaults:  http://www.thedailyshow.com/watch/thu-october-7-2010/mortgage-bankers-association-strategic-default

Home Sales Data Is Overstated:  http://online.wsj.com/article/SB10001424052748704476604576158452087956150.html

“Three years after a horrific financial crisis caused by massive fraud, not a single financial executive has gone to jail, and that’s wrong.”  Charles Ferguson upon receiving the Oscar along with Audrey Marrs for the Best Documentary for the movie “Inside Job.”

“Almost everyone counted publicly each and every single day of the event known as the ‘Iran hostage crisis,’ yet no one is counting publicly the days that have passed since September 15, 2008 without a single major criminal indictment of the banksters and their ilk who caused the financial crisis that continues to plague this country today.”

[See the “e-ssay” titled “1000 AUSAs (February 9, 2009).”]

Bumper stickers of the week:

Do as I do not as I say

Mortgage Bankers Association: Strategically Default Today

Free $1000 an hour legal advice:  Strategically Default On Your Mortgage Today

Efficiency uber alles

Efficiency is Inefficient

If your property is underwater, should you plant seaweed in the front yard this spring?