Photos for Writers

Photos by Chema Madoz, from this website.

Picture

This was way too cute not to publish!

From this website.

Awesome Website

I could do this for hours!

Drag your mouse across the screen. After you do that, left click!

http://www.jacksonpollock.org/

Zoom Zoom

An electric car that can burn rubber with the best gas guzzler's out there? Zoom Zoom baby!

Market Deja Vu and Accountability

This was posted on the Banking Law Prof Blog today:

It's the dot com bubble, it's the '80s s&l crisis, it's what happens when people don't follow prudent lending and investment principles.

What we're seeing now in the subprime market is the result of poor credit underwriting standards. Bankers know better. Regulators know better. Even borrowers know better (if they can decipher the fine print). But when the economy is good and there are more dollars chasing loans than there are prime loans to be made, it's "Let the good times roll!"

From the lenders' perspective: After all, these subprime loans yield a higher interest rate in a banking world experiencing ever narrower interest-rate margins (the difference between the interest rate lenders pay for deposits and other funding sources and the interest rate they receive on loans). In a low-interest rate environment, many borrowers can and do make the monthly payments. Lenders are looking for new markets -- and here's a big one.

From the borrowers' perspective: The American dream is owning your own home. And it looks so easy when lenders are aggressively seeking out borrowers with "less than perfect credit". Many borrowers have gambled that rising home prices and low interest rates will continue. Few really take to heart what will happen if the loan reprices in two to three years.

From the regulators' perspective: Providing "guidance" should suffice. No one likes a heavy-handed regulator -- and there is competition for charters and Congressional oversight to consider. There's no immediate problem to address. The free market will sort this out. Should there be isolated issues, informal non-public measures avoid creating a generalized atmosphere of panic and possible adverse business consequences for a given lender or for all lenders -- and may avoid the extreme case: "runs" on a financial institution.

I strongly agree with most of what Professor Graham says. The only thing I would comment on is the tone of the note on the regulators' perspective. It sounds like she would be in favor of a more "heavy-handed" approach. While I can understand in this environment that more regulation might seem good...I really disagree. I place the burden on the bankers and the borrowers. They are intelligent people. Bottom line is that, if you can't afford a monthly payment, don't borrow money. If you can't afford for someone to default on a high interest loan, don't lend them the money. People are ultimately responsible for their own actions. They need to recognize the affects on society as a whole...that is what being a responsible citizen is all about. But people do not need to be regulated into stupidity. Learn from your mistakes and move on.

My thoughts on Math

Saw this hilarious picture today on another blog. I just HAD TO post it!!

A thing, itself

From "Orinary People", by Roberto Rivera y Carlo:

This begs an obvious question: What's wrong with being ordinary? A lot, if you live in a culture like ours that has turned "ordinary" into an epithet, a synonym for "mediocre." Then, the fear of being (or appearing) "ordinary" exceeds the fear of possible humiliation or any other repercussions of inappropriate disclosure. [...]

Turning "ordinary" into an epithet requires forgetting (or denying) that "ordinary" is the stuff that real life is made of. "Ordinary" comes from the Latin ordinarius meaning "customary, regular, usual, orderly." How we handle the ordinary — and not how many people know who we are — is the standard against which we should measure our lives. It, and not some fleeting (or even not-so-fleeting) attention, is what gives our lives significance. (For the Christian, it's what Jesus meant when He said, "He who is faithful in a very little is faithful also in much.") [...]

I have a better idea: We should strive to experience what G.K. Chesterton called "the ecstasy of being ordinary." While Chesterton admired extraordinary men like St. Francis of Assisi, he also gave the "social scruples and conventional conditions that are normal and even noble in ordinary men" that hold "decent societies together" their due. In fact, it was because he appreciated "ordinary men" that he could make sense of the extraordinary ones.

Likewise, "Chesterton could be made happy by the sudden yellowness of a dandelion." He took "fierce pleasure in things being themselves," whether it was the "wetness of water," "fieriness of fire" or the "steeliness of steel." As David Fagerberg of Notre Dame wrote, for Chesterton, "on every encounter, at every turn, with every person, there is cause for happiness.... We have been given a world crammed with a million means to beatitude."

In other words, our "ordinariness" contains everything that is necessary to be content. That's part of St. Paul meant when he wrote "I have learned in whatever situation I am to be content." He could see those "millions means of beatitude" and understood that on some days you inadvertently turn the world upside-down and on other days you make tents. Ultimately, what matters is to live admirably, not be admired.

Maxed Out

From the Banking Law Prof Blog -
Here's a documentary you need to see: "Maxed Out" - a look at America's consumer debt crisis. Check out the Washington Post review.

The Book on Amazon with description.

The Trailer on the Main Website.

PERSONAL NOTE: I receive absolutely NO profits from this. I just think it is a good thing for people to read about and understand...so that eventually, perhaps we can do something about it.

Engagement Pics

New Year!

I hope everyone had a great Christmas!! Ours was fantastic!

Happy New Year everyone!

Wedding, Christmas, and New Year pics coming soon!

Success and The Almighty

I ran across a nice little quote to sum up what my attitude should be during exam time: "...God isn't looking for successful people; He's looking for those who are faithful." - Steven James at the Glorieta Christian Writers Conference, posted by Suzanne Hadley here.


Well, trusting His guidance while studying for and taking my exams would certainly be more faithful than worrying and getting anxious!

A funny at finals time

So, I have been way busy studying for finals. But while surfing during a well-deserved study break after reviewing the Mergers and Acquisitions portion of my BE notes, I ran across this hilarious story.

Excerpt:

Court Reprimands New Delhi Over Monkeys

NEW DELHI - A top court reprimanded authorities in the Indian capital for failing to stop hundreds of monkeys from terrifying residents, news reports said Thursday. As forest cover around New Delhi has shrunk, the city has struggled with a growing simian population. Government buildings, temples and many residential neighborhoods are overrun by hundreds of Rhesus macaques. The animals will occasionally snatch food from unsuspecting passers-by and even bite them. "If you can't control the monkeys, what can you do?" the Delhi High Court acerbically asked representatives of the various municipal authorities in a ruling responding to a petition filed by the harassed residents of a posh residential neighborhood. The court asked authorities to explain "what measures were being formulated to find a permanent solution to the monkey menace in the capital."

City authorities weren't immediately available for comment.

Poems

I absolutely LOVE this poem. It is SO wonderful. It was in the most recent issue of the Bifocal Newsletter (one dealing with elder law). Enjoy!

Poems

By Sofia Memon

Poems are where you are not;
where I examine the light
in the leaves or
the Yogi teabag wisdom
to my heart’s content without
ever turning my attention
outward.

Poems are where alchemy is
unquestioned and love unrationed,
where the soldiers in wars started
by misers find themselves suddenly
in prayer shawls
ill-fitting or not,
over still muddy combat boots
feeling a sudden and surprising
calm spread over their faces,
involuntary and embarrassing
like incontinence.

Poems promise everything
you’ve grown out of will be
returned to you
washed out, dried on the line
scented in lavender
if only you’d give up and give in
give away even the
lint from your pockets and
start again and again
and again every morning.

Poems are fearless when they
can afford to be,
say everything we could not
make the elegant argument
that, lacking citation
and polemic
is nonetheless persuasive;
maybe because poems, like
mirrors demand that
we approach with hands folded
awareness that
we are asking for everything
we are not yet.

In Fruitless Pursuit

I know the law is supposed to be about following the rules "to the letter". Presumably, any deviation is malpractice. But thinking beyond the books, the horribly boring lectures, the bleeding papers, I am reminded of another group of people who were supposed to follow the law, and reminded still of how far they fell short.

The nation of Israel was "under the law", and repeatedly was unable to follow God's commandments. "But now a righteousness from God, apart from law, has been made known, to which the Law and the Prophets testify."..."for all have sinned and fall short of the glory of God..." (Romans 3:21-23).

Ok, now, I am not trying to call my professors apostates or hypocrites, or those that should be called "least" in LegalLand. My point here is that it is pointless (fruitless if you will, per the blog title) to try to get everything right. NoONE is perfect, noTHING is perfect.

So what, then, is the purpose of grading assignments using a rubric that takes off for a misplaced space after a comma? Why do professor's insist on being so anal? Perhaps it is that they are scared of what they will find if they "chill" a bit. What I posit they will find is this: the "law" isn't everything, law school is not life, and their law journal articles, speeches, and whatnot are not as important as they think they might be.

So, law isn't life. It is a part of life, smoothing over life's rough patches. And yet, to see the forest despite the trees, dogmatic adherence to rigid ideals should be left out in the cold, in favor of a greater understanding of what our legal system is all about. That would be people, which includes law students (who knew!). Going back to beginning, that is what it is all about. From Adam and Eve, to Moses, to Christ, from Aristotle, to Martin Luther, to Locke, laws and government are only here to help people to accomplish what they were created to do: worship an almighty God.

Heart-felt fidelity

I ran across a fantastic article and felt the need to post it. Here it is!

"But Ruth replied 'Don't urge me to leave you or to turn back from you. Where you go, I will go and where you stay I will stay. Your people will be my people and your God my God. Where you die I will die, and there I will be buried. May the Lord deal with me, be it ever so severely, if anything but death separates you and me.'"

In some blessed relationships, fidelity isn't an issue that even enters a conversation. In the case of my parents, and for many of my friends, I know that they have relationships where the temptation of unfaithfulness doesn't enter their home. And for my own part, I'm lucky enough to be one of those people who -- when I'm in a relationship with someone -- sees no appeal in any other member of the opposite sex.

Yet I've learned over the years that I am one of the lucky ones. Many single men and women of faith don't have it that easy, even in the context of a serious and responsible dating relationship. In the modern office of expansive social atmospheres and younger workforces, the likelihood is extremely high that you will eventually work with or deal with someone on a regular basis who you find appealing. You may even end up spending more time with that person, due to the demands of work, than you do with your girlfriend or boyfriend or fiancee -- the person you love and intend to marry.

This can lead to bad situations. Oftentimes, the person on the outside doesn't know about this growing office relationship, and for many single people, it's easy to give in to the temptation to cross the line into flirtation and more. The excuses: It's just talking at work, it's just drinks afterward, it's just fun, after all.

Except that it isn't a game; it's playing with wildfire. Before long, you may find yourself in a situation where, without ever making a conscious decision, you've slipped into infidelity. You've been unfaithful to the person you are dating or courting, in thought or in deed. In selfishness, intentional or not, you've hurt and possibly destroyed a loving relationship.

I've been on the other side of this kind of relationship, and felt the painful ramifications more than once. I've never been shellshocked, but the overwhelming hurt, nausea, and directionless feelings must come close.

When secular advisors talk about relationships, everything comes down to "feelings." How does the person make you feel? Do you feel happy? Does flirting or carrying on with someone else make you feel happier? You should be honest about your feelings.

There's an element of truth to that -- honesty is a good thing -- but it misses the big picture. Love isn't just about moment-by-moment feelings. If it was, our human love would be as fickle as a middle school crush.

Ruth's pledge of fidelity to Naomi, often used by brides and grooms in pledging fidelity to one another during wedding ceremonies, is one of consequence. Did Ruth really intend to love her husband every moment of every day, without ever being unhappy with him? Of course not -- she committed herself to loving him, and being faithful to him, even when he forgot to take out the trash or hogged the remote, even when the Senior VP started asking her out to long lunches at nice restaurants. She committed to love with the entirety of herself -- promising that not just her heart, but her mind, her lips, and her very being would remain faithful.

True faithfulness endures in spite of temptation. True faithfulness exercises self-control, to the point of avoiding an area of danger as a recovering alcoholic avoids a bar. True faithfulness, in the context of Christ and the Church, is loving and sacrificial -- even to the point of death.

Be careful how you act toward members of the opposite sex. Don't let yourself fall into temptation. And if you do, be honest about it -- repent, ask forgiveness, and flee from sin. And if you are on the other side of this: don't let yourself become bitter. Christ loved the Church even when there was nothing intrinsic about the Church to inspire such boundless love, and we are called to do no less.

Abandoned and discontent

When I saw the headline to the story "500 Student riot at Cali highschool", I was shocked. It is impossible not to blame people for their own actions, and that certainly includes kids after a certain age. But that age isn't 16, it is more like 3-4...if that. But there is a greater problem here, one that starts at the heart of it all: in the United States, our families are falling apart.

We are turning into a weak nation. People simply do not want to fight anymore, for anything. They want to maintain the status quo, to remain under the radar, and just get by. Lost in consumerism, materialism, and myriad other "isms", we have simply lost sight of what is important.

Last year, when another relationship of mine came to an end, I questioned every ethic, every standard, every paradigm I had learned. I learned that I had no idea what it meant to be a Godly woman, or what I should look for in a Godly man. Then I read "Getting Serious about Getting Married." And while I learned a lot about really dating someone, I learned a lot more about what it means to start a family, and the power and significance the institution of the family really has on the individual and society.

I'll speak from my own experience on this point: I went to a high school where disrespect for authority was rampant. I was as much a part of it as anyone, though perhaps not as much as some. I come from a broken home and have felt the anxiety, self-doubt, and fear that comes from that. Even so, I'm taking time in preparation for marriage to relearn how I behave so that I can be a Godly wife and mother.

Those students are only partially to blame in the big picture. While they are wholly accountable for their actions, their parents and our society are too. If my generation does not start taking family more seriously than it does, does not stop serial dating in lieu of something much more fulfilling, then things will never change.

Brandon came down from Boulder (where he is for this semester on internship) for the weekend. We went to our first "nearly-wed/newly-wed" bible study. The bible study leader, Brett, said that confidence starts from within the marriage, not from anything outside. I can't rely on job performance, grades, or anything else to give me that. I must rely first on my God and then on my spouse. Likewise, children learn their behaviors from their families, from their parents. But how can they do that if their parents are never home, are always fighting, or are divorced? Abandoned and discontent, they are left to wander the roads of life practically alone. To change this, we must strengthen our marriages and families to give them the support structure they need.

Fractals

I'm not sure at all how we transitioned into the topic of fractals today in my Business Entitites class, but we did.

In colloquial usage, a fractal is a shape that is recursively constructed or self-similar, that is, a shape that appears similar at all scales of magnification and is therefore often referred to as "infinitely complex."

Alas, upon reading the Wikipedia entry, I was reminded of those dreaded days of Geometry way back in high school, most of which I slept through! Nonetheless, here is what I picked-up: a very cool graphic! The explanation behind it aside, all I have to say is "oooooo, coooool!"

The surface of a mountain can be modeled on a computer by using a fractal: Start with a triangle in 3D space and connect the central points of each side by line segments, resulting in 4 triangles. The central points are then randomly moved up or down, within a defined range. The procedure is repeated, decreasing at each iteration the range by half. The recursive nature of the algorithm guarantees that the whole is statistically similar to each detail.

Only the beginning

Rather than "the end", getting married is only "the beginning" of a great adventure. And yet, modern culture says otherwise. In her brief review of the movie, Suzanne Hadley discusses the recent movie "The Last Kiss" in Marry Her? But What About that Girl over There?

Television and movies compound the problem [lack of motivation to get married by The Twenty Somethings], portraying marriage as boring, enslaving, difficult and dreary. No wonder our generation is marriage-resistant. When Michael realizes marrying his girlfriend and establishing a home with her is inevitable, he says, "This is it. This is the end." Media fairly screams: "Marriage isn't worth it. Why bother?"

However, from her point and view and my own, marriage is something to strive for and be proud of. It is far, far from being culturally insignificant, and even in the toughest time, it represents some of the best things God has given us.

Here are some excerpted ideas about marriage from Hadley’s article:

"It is not good for the man to be alone" (Gen. 2:18). Not only is this a statement uttered by God at the inauguration of humanity, but it is something I feel daily on a personal level. God did not create humans to live in isolation. He designed us to long for and experience companionship and love. And marriage was the first context — apart from Adam's relationship with God Himself — the Lord established to relieve loneliness.

"I will make a helper suitable for him" (Gen. 2:18). As a remedy to Adam's loneliness, God created Eve. God designed her to be Adam's helper. At a women's prayer group, I recently heard a single woman pray, "Lord, you created us to be helpmates." I was stunned by this reminder. My desires to nurture, encourage and assist were instilled by God for the purpose of being a companion and helper and are best exercised within the context of marriage.

"For this reason a man will leave his father and mother and be united to his wife, and they will become one flesh" (Gen. 2:24). Because God created woman for man, marriage is the next natural step upon leaving one's family of origin. In fact, this verse seems to indicate that a man should ideally create his own family shortly after leaving his family of origin. This is rare in today's society, where the average marrying age is over 25. But waiting 10 to 15 years opens up an unnatural window where a single is not supported by his family and does not have a companion. This limbo fosters sexual temptation, loneliness and confusion.

"Children are a gift of the LORD" (Psalm 127:3). This phrase is thrown around a lot and seems to have lost its impact. With a tolerance for abortion and a prejudice against women who choose family over career, society seems to place value only on children who are wanted and who don't impede personal success. And yet, of all the blessings God wishes to bestow on His followers, children are at the top of the list. Their value is mentioned repeatedly throughout Scripture. They bless their mothers. They are a delight to their fathers. The kingdom of God belongs to them.

No Meeting of the Minds

Interesting story on the Property Prof Blog. I must ask, rhetorically perhaps, what does this say about the attempts to define and shape a "global community"?

The Blog:

The New York Times has an article (entitled "A Banned Book Challenges a Saintly Image of Thai King") on Paul Handley's book The King Never Smiles (Yale University Press, 2006), about King Bhumibol Adulyade of Thailand. According to the article, one of Handley's central points is that the king--who has enjoyed very favorable press--has been more concerned with order than democracy.

What particularly interested me were the efforts made by the Thai government to suppress the book, including sending representatives to meet with President George Bush, with Yale University's president, and (apparently) with the director of Yale University Press. Extraordinary, particularly for a book from a university press. The press did push back the publication date (so that it would not coincide with the sixtieth anniversary of the monarch's ascension) and also permitted, apparently, Thai officials to comment on the manuscript before it was published. Both reasonable, though I should imagine, unusal concessions. (Also, I should emphasize that I am in no position at all to evaluate the merits of Handley's thesis.)

Not surprisingly, the publicity surrounding the attempt to supress its publication (and its banning in Thailand) has led to a lot of sales. This afternoon it was ranked #259 on Amazon--an astonishingly good performance for a university press book. Exciting times at YUP, no doubt, even if the king is not smiling....

My Engagement Ring!!! Wedding Date: 8/11/2007.