Tuesday, October 24, 2006

Cancerous Moles Condition_symptoms

Un'altra ipotesi sul perché Prodi continua imperterrito per la sua strada

It seems that the question which I tried to give an answer (although in many ways ironic) in my post from late morning or why Prodi and his ostinino is to declare that all goes well, regardless of the criticism, even when it is shown by the facts beyond a reasonable doubt exactly the opposite, it is increasingly common.

Today on 'Review this same question Diaconal ventured an answer simply by saying that Prodi, a party without her, can afford to pursue their own personal interests, or stay as long as possible to the presidency of the council and in the meantime become indispensable for those who, on account of its decisions has lost consensus (Margaret and DS) will continue to remain in government.

I personally believe that this interpretation is almost less realistic than it might be my this morning in which I argue that Prodi, in reality conbutta with all moderate forces of both the majority and the opposition, seeks the real goal of wiping out the extreme communist by the Italian political scene. But maybe you could create the right presonaggio entrusted with this assignment because of an orphan party his!

I can not see clearly through the report for which the application of a financial preposterous and dangerous, which is losing not only consent to the DS and the Margherita, but he, too, Prodi should do their own interest if the rope pulls too Margherita and DS could still decide to bridge the seams with the opposition and still remain in the government, but this time without him ... and without the Communists.

It will fall in the result for which I assumed would create a coalition to do some cross-cutting reforms necessaire excluding the radical left. Prodi that he is or is not conscious.

Back Osteoarthritis More Condition_symptoms

Come invento il complotto per eliminare l'estrema comunista

I must admit, to hear so much talk of plots to the right and left me infected. From the first Berlusconi, Prodi to now, not to mention international events for which there is always a conspiracy theory that can explain in a more picturesque, and thus more credible, a time when the hype is the bread newspaper, what happened, but I could not resist. During the long weekend spent surrounded by the malaise in the north east of this period and its infamous fog, obscuring any reference point, probably also obscures the rationality of people, I am convinced that, beyond a reasonable doubt, there is a Therefore, however difficult to find, for everything, including Prodi and his cabinet!

It all started after two evenings with two other friends to discuss the current political situation: although the two friends in a matter of right and one left both me and then shared with each other and the analysis (and proceedings bad) about the work of the government so far, and above all the libertarian sense solutions to the problems in the country, in clear contradiction with the choices then Executive.

happy to see how we can be close even if deployed on opposite sides so optimistic on the actual political space that exists in this momento storico per la diffusione e il radicamento di tutto ciò che va nel senso di riduzione del peso dello stato, di liberismo in economia, di libertà di scelta secondo la propria coscienza in ambito civile ed etico, ho scoperto di trovarmi altrettanto d’accordo con loro nel notare quanto fossero in stridente contraddizione le dichiarazioni ufficiali del governo di fronte all’evidenza dei fatti.

Il malcontento diffuso sia da parte dei cittadini che interno alla stessa maggioranza, le critiche di economisti anche dell’area politica di riferimento del governo, il monito del governatore della Banca d’Italia, la sfiducia internazionale nel sistema Italia della stampa e delle Agenzia di Rating che hanno palesato questa sfiducia in a lowering of credit due to the inability of Italy once again to start the engine of development and growth, but also because of the failure recovery with structural reforms, can not conclusively demonstrate to all and thus to Prodi , Padoa-Schioppa and its questionable as to which are certainly not stupid, so conceived that this budget is unnecessary and particularly damaging to the achievement of the goals themselves remain unperturbed state as a priority, equity and development or rehabilitation.

So it does not seem plausible to think that Prodi and TPS continue to support, regardless of the criticism that the budget is fair, that the improvement is achieved with simple cuts and tax increases, that growth can be sustained with an increase in taxation and regulations that are conducive to the intensification of controls by introducing the presumption of innocence (and not so as it would be fair, of innocence) to the citizen by the state, that companies are requiring them to help the transformation of a future debt in a certain and immediate disbursement of real money, belonging to other citizens, and so on .... This is not plausible and then it is clear to me (as it would be consumed for any conspiracy) that there must be some reason not stated that justifies such absurd behavior.

So begins my frantic search for what might be this reason, and as in the formulation of any theory worthy of respect (even those that are not respected as one of the conspiracy) the lighting comes unexpected reading the Courier Sunday: TPS , in a statement at the conference in Frascati Glocus says the middle class should celebrate because of the death of Karl Marx for the first time two parties are convinced of the radical left to accept the responsibility of government is natural that a person who is not accustomed to find evidence of his theory in every section, this statement may seem like just a new absurdity in contradiction with the facts, and instead no, for me my new conspiracy using blindly just cospirazional scientific method, is the proof of why this government insists on a financial support so invisible to all: the elimination of extreme communist Italian political scenario.

So I understand the encrypted message to TPS: the middle class should be happy that the communists are finally to the government because this is the best way to tame and render them harmless (the experience of the secessionist Northern League, which receives much consent north, which becomes a moderate party with its loss of consensus and smoothing of the more radical ideas-although in my opinion quite innovative a differenza di quelle dei comunisti, ma tant’è –durante e dopo l’esperienza di governo dovrebbe insegnare); il ceto medio dovrebbe essere felice che i comunisti abbiano accettato la responsabilità di governo e soprattutto che abbiano contribuito in modo così determinante (e direi quasi esclusivo) alla stesura di questa finanziaria classista che va contro lo sviluppo e che deprime la meritocrazia, perché tale responsabilità nel governo e diretta nella finanziaria farà in modo che, se l’Italia raggiungerà il baratro economico sarà facilmente ravvisabile di chi sia la colpa con conseguente naturale eliminazione del colpevole dalla scena politica italiana.

Ma non è finita qui: dall’alto now my understanding of the facts, I believe that the catastrophic scenario is described, therefore, is unlikely to happen. Deep in the vein of optimism given me the recognition that there is more room for libertarian ideas to the right and left of the images I decide that the most likely scenario for achieving the objective of definitively concluding the communist experience in Italy, shaped by the forces of moderation not only the majority but the opposition (and here's the plot), is one according to which the instrument of "financial communists" created by Prodi and TPS, serves to compact the consensus of a coalition enlarged to promote and apply the common sense libertarian ideas, which is actually the same financial suggest an almost foregone conclusion, so it is detrimental to individual civil and economic liberties and so much class.

Here is revealed the mystery of this apparent contradiction of the 2007 Budget with the real objectives of rehabilitation and development of equity that the government continues to support will be pursued despite empirically proven otherwise. You already have everything planned and designed to achieve the real objective, namely the renewal of political culture in Italy promoting libertarian ideas and eliminating extreme steeped in the financial community has the task of suggesting the antithesis ideas on which it will build the new consensus on the right or left, or liberal and libertarian ideas (later of course between left and right will make the appropriate distinctions, but at least the cultural background must be the same and this sense), the moderate forces will be responsible for channeled into the track. However, if the politicians of both right and left will not be able to drive this signal here is that taking the catastrophic scenario for which the financial steeped in communism and Italy will come to the brink, even in this case the community before responsible for the policies contained in it, will still be pilloried and excluded from the scene politica.

Che ne dite, non è quasi quasi bello pensare che potrebbe davvero essere così? Poi però mi rendo conto che il presupposto dal quale sono partita, ovvero che la contraddizione è evidente perché Prodi e TPS non sono degli incompetenti, in effetti non è poi così realistica e quindi la mia teoria complottista purtroppo crolla.

Tuesday, October 17, 2006

Phone Network Lock Calculator

Giampaolo Pansa e Harry Wu: due evidenze di come funziona l’ideologia comunista

Come un mese fa, anche oggi una bella notizia su quanto è liberale la sinistra radicale. Giampaolo Pansa, antifascista e storico della Resistenza, presentava ieri a Reggio Emilia il suo ultimo libro “La grande bugia”; un mese fa, Harry Wu, scrittore scappato dalla Cina dopo 19 anni di agonia nei campo di concentramento, presented in Rome (San Lorenzo), the Italian translation (15 years after the publication of that book in America!) of his free "Laogai: the Chinese gulag" in both cases, the radical left has prevented the normal course of lectures using the usual methods illiberal that distinguishes it: the el'impedimento violent dispute with the power of freedom of expression, fuck your opinion if it is not organic to 'communist ideology.

A month ago, Harry Wu has to go in an get rid of San Lorenzo to present his book, but is warned in advance that some unidentified members of the radical left has been thrown against those who were present for the presentation, kicking and beating those who can not escape. The police, who intervened too late, can not put anyone in custody.

Yesterday Pansa was seen arriving at the conference in Reggio Emilia for the presentation of his latest book, the usual radical leftists with their aggressive behavior has prevented the continuation of the conference. The situation required the intervention of the police who have vacated the room.

so absurd But what they say about these two writers in their books do not even deserve to be spoken aloud in front of a audience interested in listening? The mystery is revealed: these two people (who, as such, however, deserve to be able to freely express their ideas in front of interested parties), but through experiences totally different challenge in any way to communism.

Wu's experience calls into question, that's incredible, even the Communist Chinese regime that tramples human rights in every way and even uses concentration camps for dissidents who are declared (even if, in fact, for have expressed their own views critical of the regime, recalls the same methods as in San Lorenzo is not it?-or want to exercise freedom, per noi scontata, di culto come nel caso di Wu).

L’esperienza di Pansa invece, si permette di mettere in discussione l’intoccabile storia della resistenza italiana che pare appartenere soltanto ai comunisti, mostrando, guarda un po’, che l’antifascismo è stato esperienza plurale di quanti (liberali, democratici, repubblicani, persino monarchici,ma comunque lontani dall’esperienza comunista) abbiano difeso la libertà, anche in contrasto proprio con i comunisti che –e qui davvero Pansa si spinge troppo, troppo oltre perché i compagni estremisti possano tollerare di lasciarlo parlare –utilizzando la resistenza antifascista come base della rivoluzione, tentarono to replace the fascist regime with the Communist regime committing acts of violence against those who hoped to get rid of a dictatorship, certainly not to replace it with another.

It's really sad to see that there are still people in the name of communist ideology go to these levels of intolerance by trampling the freedoms that should be entrenched in our society, it is sad to realize how, again, party propaganda can blind people and completely anesthetize any kind of free thinking and openness to knowledge other than accrued up to that point.

The lack, or even il rifiuto di ogni confronto perché si è convinti di detenere la verità assoluta, semplicemente tacciando di fascismo qualsiasi cosa vada contro l’ordine delle cose che ci è stato inculcata, non è certamente segno di superiorità antropologica o morale che sia, bensì di intolleranza, chiusura mentale o paura. L'unica certezza è che, qualunque sia il motivo del rifiuto del confronto, il risultato che si vorrà ottenere sarà sempre quello di cercare di reprimere quanto più possibile gli spazi per l'esercizio della libertà di opinione di chi non la pensa come noi.

E ritengo che il fatto che notizie del genere non vengano gridate dalla stampa (nelle testate online di oggi solo il Corriere riporta la notizia per Pansa e un mese fa solo la Padania e qualche giorno dopo Libero, hanno riportato la notizia per Wu), dimostra semplicemente, se ce ne fosse ancora bisogno, che purtroppo in Italia il fascismo (ops! comunismo) è ancora diffuso.

Monday, October 16, 2006

O D D More Condition_symptoms

Presentazione del Manifesto "Diamo un' anima libertaria al centro destra" promoted by the liberal reformers: Reflections of a Nobel

La sala è piccola ed è davvero gremita di gente...direi a occhio circa centocinquanta persone, che per una conferenza stampa quale voleva essere la presentazione del manifesto "Diamo un'anima libertaria al centro destra" proposto dai Riformatori Liberali , è parecchia.

Fa caldo, ma ciò non ci impedisce di rimanere ad ascoltare con partecipazione ed entusiasmo the more than two hours of interventions that are followed and whose theme is precisely to recognize that the road to get consensus in the center-right in this moment in history, through the statement, with renewed determination, the liberal and libertarian had formed the core around which they were born Forza Italy and the House of Liberty.

The new thrust in the libertarian sense seems to have given Bondi when, in his report to the Seminary of Gubbio said that in the last election the House of Freedom has not lost for about 24 000 votes to scrap with the Olive Tree, but for almost 2 million of those lost by Forza Italy, which are probably the votes of liberals and libertarians, who after five years of center-right government which is certainly not distinguished itself in the application of these ideas, they felt "betrayed" by the CDL. Benedetto Della Vedova, Marco Taradash and nearly everyone involved, seem to interpret the declaration of Bondi as a strong signal of new openness to liberal ideas in recent years, according to the participants in the debate, have not even found space for an open confrontation .

Healthy injection of anti-statism and liberalism involves the entire room and leads to develop a strong determination to try to make the most of what looks like a good opportunity to create a truly plural CDL, in which there is a place for soul evidently wrongly forgotten.

few hours after the conclusion of the press conference, however, blurred the enthusiasm of the moment, I asked about the effectiveness, in terms of politics, of this initiative. While hoping that the poster can be really new launching pad for greater spread of liberal ideas, liberal libertarian, I must say that I do not see any change of scenery in the "bargaining power" that the liberal reformers have against the CDL, such as to determine the success this time of the project. And this fact has left me with a streak of pessimism.

I also received, during Saturday's debate, a strong imbalance toward the freedom of an ethical than economic terms, starting from the fact that those who are anti-statism in the economy can not be, for consistency with regard to the ethical choices of individuals. I personally feel that liberals insist on ideas for how to configure your situation right now, unbalanced positions on almost confessional, not the most effective way to be able to get it: It would be first necessary to find common ground in terms of liberalism and 'anti-statism economic, certainly better shared (at least in theory because in practice the CDL has already proved itself to bramare dal desiderio di ridurre il peso dello stato), cavalcando l’onda di malcontento provocato da questa finanziaria.

E non perché le libertà individuali sul piano etico non siano importanti, anzi, ma perché, a mio parere, la strada per raggiungerle sarebbe sicuramente spianata dall’introduzione delle libertà individuali sul piano economico date da uno stato leggero almeno in quest ambito; la diffusione dell’“abitudine” alle libertà che verrebbe a crearsi potrebbe infatti, con molta probabilità, avere come conseguenza un terreno molto più fertile per far attecchire l’accettazione delle libertà sul piano etico in un secondo momento.

In ogni caso però, whatever the political strategy of the liberal reformers, to achieve the aim of sharing even operational liberalism, liberalism and dell'anitistatalismo would have required as much visibility you could get. And what better occasion of the participation by Della Vedova at the table of the willing to show organized by Capezzone also screaming that they are right to try to ensure the liberal and libertarian ideas? The media space from this initiative would undoubtedly have facilitated the demonstration, with the facts, that there really is a core libertarian right in the center and that the Reformers could be the reference point.
certainly would not be easy, certainly not was told they would receive a vision that they can really become this reference point, but I have no doubt that at least would get a bit 'more publicity and therefore also more likely successful in this initiative.

Unfortunately for some reason this route was not followed: perhaps to avoid undermining relations with the radical left, perhaps for lack of courage or their lack of political strategy ... and the mood of pessimism has made stronger by the feeling that the real opportunity to attract the attention of the liberal right has been lost.

Saturday, October 14, 2006

Invitation Wordingperformances

sympathizer to the banker of the poor ... slap in the face of liberalism? I want to remember this day

By finata not see the head of the newspaper which is published (or Liberation), recommend reading this excellent article on what microcredit written by Sabina Morandi, who has obviously studied the epserienza Yunus and the reports in an objective . Too bad, really pity about the title that I hope and believe she has not chosen because the development of the text makes no reference to the subject suggested by the title.

I do not see the possibility of doubt that a Nobel Prize to a banker who spreads the capitalist system of merit-based micro entrepreneurship among the poor of the poor in this way have the opportunity to exploit their capabilities by freeing poverty, is in no way be considered "a slap to liberalism! Moreover, if, there is no explanation as to why this abstruse hypothesis in the article body.

Were I the author would have protested fortememente see associated article in the "technical" about how the micro-credit to a title instead shows that I did not understand anything of what is real!

Congratulations for preparing for such a blatant demonstration of ignorance even before the evidence of an article written by a collaborator, it's really incredible the need for some left to its own any success story even when it is in clear contradiction to everything che professa!

Friday, October 13, 2006

Irritable Bowel Disease More Condition_symptoms



Nonostante Krillix nel suo post l'abbia già espresso molto bene, voglio anche io ricordare questo giorno che ha visto attribuire il premio nobel per la pace a Muhammad Yunus, fondatore di Grameen Bank e soprattutto di un modo di fare banca che per chi non vive in un paese in via di sviluppo ha davvero dell'incredibile: il microcredito.

Non ho resistito e ho ceduto alla necessità di dire quanto anche da queste parti Yunus sia apprezzato.
Concedere microcrediti ai più poveri tra i poveri che non possono fornire garanzie per la banca se non quella che da questo credito dipende la loro vita è proprio quello che Yunus has invented a great, proven over the years it's all true and quite possible and even profitable: the micro-credit, which allows beneficiaries to be small business owners themselves and therefore advocates direct their livelihoods, as well as being in my opinion ( for consocienza direct experience) one of the best ways to help people free themselves from situations of extreme poverty, without the need to move funds through gifts to the inefficient and corrupt governments in developing countries that aid dry up almost completely before to pour the crumbs into welfare projects, has very low default rates.

default rates and loss given default even lower than the banks 'normal' that they defend themselves primarily with real guarantees of all kinds, just for the fact that the beneficiaries of microfinance feel particularly morally indebted to the bank that has a role in almost cases of true benefactor. People feel they can not betray the trust of those who first demonstrated to have in them. Further

guarantee mechanism is also provided by the unusual pressures that their role in society by persons who are granted the micro-credit in addition to not wanting to betray the trust of those who gave them the loan, the deterrent to non-productive waste of money lent and then the non-repayment of the bank this is the shame of bankruptcy in the face ai membri della comunità cui si appartiene.

Il successo di Grameen Bank passa infatti anche e soprattutto attraverso l'analisi sociologica preventiva approfondita della comunità in cui i beneficiari del microcredito vivono, e dei meccanismi di pressione che i rapporti tra i membri della comunità creano in questi. La comprensione della società e delle frizioni psicologiche che questa crea ai destinatari del prestito in modo da trovare chi sono le persone che in questo senso offrono maggiori garanzie sulla restituzione del debito e quindi quale ruolo sociale è più adatto al prestito, e il maggiore fattore di successo di Grameen.

E con la diffusione del microcredito ad un numero sempre più vasto di beneficiari la cosa by far the most important is that there is really best to improve the living conditions of people in developing countries, and this is the undoubted merit of Muhammed Yunus today, to my great joy is rightly honored by the international community with the Nobel Peace, that thanks to him regain his signifacato.

And since this is Friday night Brinder to him.

Thursday, October 12, 2006

Green Feces More Condition_symptoms

The road to a free society


Warning: very long post that will really test your stamina!



Photo by ES (Grumpy)

reading yesterday the decision Morocco's King Mohamed VI to impose a ban on the use of the veil (hijab) for women, and to change some pictures on textbooks that portray costume because that would represent the generality of the Moroccan society, the first reaction was to see this done in a clear step towards the secularization of the state and then to a freer society.

In fact with the satisfaction with that decision, I felt a mixture of discomfort that came from the fact that, as liberal and libertarian conviction, the manner in which it was made such a step towards more freedom, ie through ' taxation by the state, not could not make me think.

In the West, where democracy is mature and where the concept of freedom of choice is quite common especially with regard to the choices on the religious (I say it often enough, recently, in Europe there is the pretense of wanting to get into rules of public life should do only what the private sphere), stride a little bit the idea that the path to a free society can pass through coercion by the state. To better understand why

instinctively and rightly endorse behavior in Morocco that we have considered illiberal, it is useful when a distancing from the categories under which our liberal culture leads us to think and try to understand as much as possible from the motivations King Mohamed VI to choose the path of other tax legislation (and therefore not a consequence of the habits and customs of society, but try to get them). In short we should consider just the tax only on the basis of the analysis of specific companies in which the tax is.

Despite being one of the most advanced Arab countries in the process of secularization of the state (not counting Turkey has concluded that thanks to Kemal Ataturk and instead comparing him to Jordan has been pursuing since the reign of King Hussein and now with his son, King Abdallah II ), as in all Arab countries, religion permeates every aspect of an individual's life. In fact, people are so rooted uses imposed by religion that they are never a personal choice, but an unconditional acceptance of something that seems obvious to tradition, because this is hardly the open exchange of diverse backgrounds. If we are women, the general acceptance of behavior induced by religious rules, also passes through the constraint imposed by the family and especially by men, against whom coercion, even in the case of consciousness, it is impossible to appeal to freedom choice.

It is in this context that the imposition of Mohamed VI to prohibit the use of the veil is part of evolution as a liberal and I would even say far-sighted.

is an evolution in the liberal sense because coercion by the state to ban the wearing of headscarves cultural coercion eliminates a lot more subtle and thus relegates religion to a private: in public life is done prohibition of wearing a garment that is clearly a religious symbol, in private of course anyone can do what he believes. It is possible that initially the application of the prohibition of producing a more obvious segregation of women, which will be constrained to move only within the home, but need, we can assume that she will come out slowly, and that fact will become generally accepted by the community to see her without a veil.

At the same time, as I said, this decision is far-sighted in my opinion because, as in the case of the reform of family law, Mohamed VI agreed that the step in the process of modernization of the Moroccan society must pass through the protection the role of women in Muslim society, increasing the freedom granted to her.
I personally believe is the right way, given the central role of women as property supporting the family, even in Muslim society (which is recognized by those Muslim men who claim always to have an absolute respect and total), although the total subjugation of women to men of family as a result of the application of religious rules: creating awareness, making the foundations for freedom of choice protected by the state for women, it is easier the way to freedom. An experience like that of microcredit for example, or small loans to individuals or groups of persons in order to initiate a trade to support themselves and their family, usually granted without collateral except those relating to pressione che possono fare sull’individuo dalla comunità cui appartiene a causa del ruolo ricoperto, può dare un’idea di quanto le società musulmane si reggano sul ruolo della donna: dove la cultura prevalente è musulmana affinché aumenti la probabilità di restituzione del credito, i crediti vengono concessi per la stragrande maggioranza a donne, perché capaci di pensare in modo non egoistico, a differenza degli uomini, al futuro per lei e per la propria famiglia, attraverso la pianificazione e quindi l’investimento produttivo anziché lo spreco.

Naturalmente la via intrapresa da re Mohamed VI in Marocco, non è la sola via possibile per diffondere la cultura liberale, come in alternativa la Giordania insegna: essendo in questo paese diffuso l’amore e la stima incondizionata per il re, derivante soprattutto dal suo comportamento morigerato e dal contatto continuo con la gente (amore e stima naturalmente conquistata grazie anche al precedente regno di re Hussein), il fatto che il re dia una impronta laica alla sua vita, nella quale la religione è importante, ma è un fatto privato, propone un esempio da emulare e porta quindi la gente a vivere sempre più la religione come fatto altrettanto privato. In Giordania infatti, ad esempio, al richiamo dei muezzin alla preghiera, non si vede la folla muovere verso la moschea, come invece avviene ancora in Marocco, ma singole persone. D’altra parte in Marocco vi è un maggiore contact with tourists and then with diversity, much to tolerate even very different from their own costumes (which of course but should not be followed), and perhaps the introduction of the law on the prohibition of the veil also derives from this even the slightest contamination.

The brief comparison between Jordan and Morocco proposal is not exhaustive and, indeed, there are certainly other key factors that have influenced the process of secularization, not least for Girdania example, close ties with Britain and the United States but the depth of what were the forces that determined the beginning and the continuation of the process to an open society of the two Arab countries that most the others are trying in every way to show that there is a moderate Islam, deserves a post in itself. Here you just want to point out that the roads taken to start the process of affirmation of individual liberties by the two countries are different and it would seem plausible interpretation according to which modernization in Jordan also takes place mainly through the costumes and customs and the example in given by the king and the law then adapts to modern costumes, Morocco (as was the case in Turkey) through legislation imposed by the king and the costumes are adapted accordingly.
What should like to emphasize is that in both cases it is good to put great trust and hope in pushing moderate and liberal Muslim society these two examples to try to give to their society. And the West should work to support this process.

Welcome then to all the roads leading in some way to freedom, including that which passes through an imposition!

PS: I emphasize that this post has absolutely no claim to exhaust the many facets of the liberalization process initiated by Morocco and Jordan wants to own, with extreme simplicity, share some comments made on this process.

Wednesday, October 11, 2006

Damask Wrapping Paper Black

Another example of double standards or just a coincidence?

Why this article in the Corriere which speaks of the alternative service made by hyenas than the drug in parliament, and who would object to measure the level of general culture of parliamentarians, the only name that appears in all the MPs interviewed, is that of Elizabeth Gardini? It is inevitable that it is just mentioned the name of a Member of Forza Italy?

But yeah, probably my favorite pastime since the left is in government, or to emphasize the application of the logic of double standards by the media, it also leads me to where there is !!

Tuesday, October 10, 2006

Bunny Cage Blueprints

Less taxes, less state, more economic growth

In this interview published by ' Review , Grover Norquist describes briefly the guidelines of its policy: lower taxes => less state => more growth. In a way so polished and so obvious as to seem trivial.

In fact, the obviousness of this report is undoubtedly shared by those who, like me, had the opportunity to hear live Norquist in a brief round table organized by Design, by whom, a few more for the truth, on the right endorses liberal ideas and liberal libertarian and, lastly, by whom, perhaps, from the left sees the consequential logic of this position. With equal obviousness

these people, like me, seeing that it is impossible for Italy to change is all in low prevalence and especially understanding of rationality 'of this mechanism.

Still too few include the fact that they share or eliminate the availability of the lever of the increased tax burden necessarily lead to weight reduction of state: if the fees can not be increased and, indeed, are decreased, the only way not to see explode the deficit is to reduce costs. We expect this reduction to be immediately following the decision not to increase or even reduce taxes, but, after a likely increase in the deficit, the only way to restore balance in public finances would be to reform the state, reform that would necessarily produce a reduction of its weight. The need for spending cuts then, is probably generated by first cutting the unproductive support the economy and reducing the bureaucracy that comes from too much regulation of this. But few realize

above (or want to understand) the fact found, or that the virtuous cycle triggered by the reduction of taxation, which implies a lower weight of the state, would have immediate effects on the one hand an increase in disposable income businesses and individuals, and thus a greater propensity investment and consumption, on the other, a definite reduction in prices because the tax always turns in an alteration (increase) in the price of any goods, the value that otherwise would result in a free and competitive market.

course you can discuss what "minimum" should be the state, then quantify exactly what should be his presence and, above all, where such presence should be addressed, but always assuming the share of the idea that it should be minimum.
The point is that unfortunately we are far from being able to discuss, even between left and right, quantification of minimum intervention, since che non si condivide, a destra come a sinistra (questa incapacità di abbandonare l’idea di stato paternalista è trasversale purtroppo) nemmeno il fatto che lo stato debba occupare una minima parte delle sfere della vita delle persone.

Ascoltando Norquist ci si scontra palesemente contro questa realtà probabilmente tutta italiana: per mancanza di informazione, per la tutela sempre e comunque prima di tutto dei propri privilegi, per cultura, quando purtroppo per cultura si intende l’accettazione acritica di tutto quello che proviene dall’ideologia dominante dell’ambiente in cui ci si muove, non si riesce nemmeno a condividere l’idea, per quanto ovvia, che meno tasse significano meno stato e meno stato more freedom of action and ideas, more economic and social growth, greater spread of wealth.

Monday, October 9, 2006

Church Welcome Letter Sample

The prevailing economic culture of the Italian left

reporting on some friends who work in the field, yesterday I had a look at the Bersani Decree (Decree 223/2006) on the news for the taxation of property. Actually I did not believe, after the blunder on the impossibility of Visco unconstitutional retroactive to offset property tax and VAT input tax debt, there was more to see than scandalous in this section of the Decree (Title III).

Instead I read that (to paraphrase the rule as read on the magazine of the College of Surveyors Pythagoras of September 2006) la nuova disposizione all’articolo 35 commi 2-3-4 e 23bis, consente la rettifica diretta d’ufficio –relativamente alle operazioni aventi ad oggetto la cessione di beni immobili e relative pertinenze –della dichiarazione annuale IVA quando il corrispettivo della cessione medesima sia dichiarato in misura inferiore al valore normale del bene. Tale valore normale del bene all’articolo 14 del DPR n. 633 del 1972 cui si rimanda, è definito come:”…il prezzo o il corrispettivo mediamente praticato per beni e servizi della stessa specie o similari in condizioni di libera concorrenza e al medesimo stadio di commercializzazione, nel tempo e nel luogo in cui è stata fatta l’operazione o nel tempo e nel luogo più prossimi”.

Apriti cielo! Ho dovuto stropicciarmi gli occhi e rileggere ancora un paio di volte per capire ciò che si stava dicendo nella norma: davvero d’ufficio è possibile presumere l’infondatezza della dichiarazione del valore del bene da parte del contribuente/imprenditore edile solo perché tale valore si discosta da quello normale (peraltro non meglio specificate le modalità di calcolo della normalità!) tanto da rettificare, sempre d’ufficio, tale valore e quindi l’entità dell’IVA da pagare? Ho letto bene che si presume che la dichiarazione sia illegittima o addirittura tacciabile di evasione perché il valore considerato normale è superiore al valore dichiarato dal contribuente? Ho read correctly that this means reversing the burden of proof on the taxpayer at a time when maybe you're just putting the competitive advantage gained through greater efficiency in managing costs? With all that comes to a bureaucratically contribuente-lavoratore/imprenditore get challenge that presumption by the tax authorities (time and money )?!?!?

Yes, after a few readings, I realize that I understand perfectly: A building contractor is limited in its ability to leverage the best ability to manage costs and thus lower prices by competition, and rightly, in theory, having a his right, to those who have a less efficient management, only as it is competitively priced compared to the value considered normal (say, presumably calculated as the average sales and operations done in a certain period, in areas comparable (?), to properties of the same type) will end up paying VAT increased in As calculated and ground motion value considered normal. And the employer could, if you do not agree with this adjustment, and always having the desire and time to fight against windmills, can not help but challenge the presumption by proving that the price he charged for that ' property is not sustainable and is said to process only part of the VAT.

Here in this rule hidden in a long decree, however, only on a specific economic sector, is contained all the result of the economic culture of the Left: the possible harm free competition between economic entities which, in a market where the scheme is not oligopolistic immediate consequence is a clear economic advantage for the consumer, tend to impose the contract price at which all economic actors will keep abreast with the consequence to upset the economy and bring economic disadvantages to those who left this should help: people, families at that point should buy a house at a price that in cases of greater efficiency than the average could be much lower, even, to promote the culture of equality (not that of equal opportunity) at all costs, in sharp contrast to the culture of meritocracy: those who will not go on the market is better able to have higher margins and lower prices increasing the quantity sold, and working together with a social benefit because the purchaser would be able to check just a lower price, but who will be more organic in power and will receive more support from the state, making latter 'stronger than ever and more present.

This left the current government (I hope only for some left, but I think that those who would agree with this economic vision does not have much say in whether the rules allow you to write like that) do not care, I could only see as the likely convergence of property prices at a single price equal to the normal due to the application of motion correction, can result in increased control of the economy and hopefully (by them) a greater flattening downward momentum of the individual and thus the dynamism of entrepreneurship, since there is no incentive to do better than others.

Not to mention the fact, already widely discussed in other contexts, it is assumed that once again the intention of the taxpayer to defraud the IRS in declare a lower price for the sale of the property in the calculation of VAT.

And this is the economic culture of the left to the government.

Friday, October 6, 2006

Thank You Note To Coaches

the direct and indirect expropriation of the RTF

As has been widely noted in recent days, the call-back from INPS of the TFR is not conveyed by the employees to a pension fund, depriving businesses of a basic form of self-financing. I read often provide an answer to this objection that time, however, companies would have lost this form of self-financing with the reform of the pensions, because in any case the money not the TFR would remain in business. In giving questa risposta del tutto superficiale e che dimostra quanto meno una scarsa conoscenza del funzionamento delle imprese in Italia, si dimenticano tre fatti importantissimi:

il primo : mentre la decisione di trasferire il TFR ai fondi pensione, è una scelta del singolo, implicando questo fatto che tale trasferimento sarebbe stato graduale, anche e soprattutto per la poca propensione iniziale dell’Italia all’utilizzo di questi strumenti, l’avocazione da parte dell’INPS della quota non trasferita ai fondi pensione è immediata e tutta in un'unica soluzione, creando una crisi di liquidità per molte aziende;

il secondo : si sottovaluta il tipo di rapporto che intercorre between employee and company in an SME, would not it evident that an employee of an SME decides to transfer the money into a fund rather than keep them in business, because in these contexts, employees participate in corporate decisions to proactively because the state of health of the company depend on both their future and their professional growth in a much more stringent than a large company. Even more so, to encourage this behavior many more companies were gearing up to make it more advantageous not to transfer the TFR. The third

: Regardless of the problems that would still have had an SME with the transfer of part or all of the TFR corporate funds to pension funds, we forget that there is a huge difference between the transfer of funds from the productive sector (SMEs) to another productive sector (pension funds, management of these), as would happen with respect to a transfer from the productive sector ( always SMEs) to a totally unproductive and uneconomical, as the INPS. In the first case, in fact, the money continues to circulate and even stimulates the growth of a sector we have still not widespread, also highly likely some of these funds were reinvested in companies in the form of private equity, indirectly conveying the TFR is still in business. In the second case, INPS will use the windfall for unspecified development projects, as we have already seen, usually are neither productive nor able to act effectively in the recovery industry, geography, social situation which they are addressed. Moreover, the employee will not be able to exercise any control, can not say in any way "because I do not like where I recover my money invested and put them somewhere else." These aspects

immediate and direct impact on businesses and on the productive part of the Advocate of the TFR is not conveyed to the pension funds by INPS, but there are also negative indirect effects that will companies even more difficult: it is the entry into force, in 2008 the International Agreement on regulatory capital of banks, commonly known as Basel 2.
I would first point out that although the 2008 is still missing more than a year, the reality is that in order to achieve the targets for banks on that date, the same as those used in every respect the rules laid down by Community legislation in the decision-making process lending.
Since Basel 2 requires banks to quantify the risk to businesses who are granted credit, and determining the new severance pay on a reduced capacity for self-financing dell’azienda, a parità di altre condizioni, si può pensare che il rischio legato all’impresa aumenterà, determinando come effetto indiretto appunto, la minore capacità della stessa di ottenere credito in un momento, sempre a causa della mancanza di tale forma di autofinanziamento, in cui si troverà ad averne davvero bisogno. In ultimo, tale difficoltà generalizzata in tutto il comparto delle piccole e medie imprese nell’ottenere credito a causa dell’aumentato rischio creerà le condizioni per un maggiore tasso di fallimento a livello di sistema, indicatore, tra gli altri di recessione economica.

Ma vediamo più in dettaglio come agisce Basilea 2 e soprattutto come sia possibile che si determini the scenario described above.

As I said above, Basel 2 is nothing but an international agreement on the level of regulatory capital that banks must hold against the risks taken in pursuit of their core business, which is to lend money. The fact that hesitates a second, due to the fact that there has been over time (the first agreement dates back to 89) an evolution of the methodology of calculating the regulatory capital, with the dual aim of better protecting investors by ensuring greater stability to the system banking, and especially to allow a more accurate and precise quantification of this capital, which remains unused at the end of protecting investors, but that is just therefore a cost to the bank which will not get fruit (giving up a possible profit).
As the level of capital to be held in accordance with the rules of the first agreement, very rigid and not differentiated by the actual risk assumed, banks taking risks, "low" because loans to economic health were to hold the same level of unused assets instead of a bank which held a portfolio of risks instead of paying a substantially higher economic actors in a state of distress. The second Basel Accord and then corrects this biasing effect of the credit market reaching the goal of rewarding the banks that best are able to manage risk.
But what it depends on the quantification of regulatory capital?
trying to simplify as much as possible, we say that essentially depends on the probability of insolvency of an economic entity for which the bank lends money: the higher the probability of default to one year of an enterprise, the greater the probability of loss associated with the loan and higher regulatory capital that banks must hold.
The probability of insolvency of a firm is estimated by the rating models, statistical models considered, but in other predominantly p, information relating to the accounts used by at the bank and information on the most significant economic and financial indicators of the company, which in general are related to the ability to create income, debt level is medium to long-and short-term liquidity with which it may be before periods of stress, the level of capitalization.
It is here that engages the indirect effect caused by the forced withdrawal from the TFR to swell the coffers bottomless INPS. Let's see how.
The company would find itself (I speak in the conditional because I still hope that the government does not proceed in this direction) to have no more available that money that normally needed for financing working capital (or to repay short term debt). This would imply an immediate need for liquidity to be addressed through greater use of the lines already granted by the bank, if there is a margin credit granted can still use, and / or by obtaining new credit lines short (basically the most risky for the bank). The first behavior would have a negative effect on the rating of the company as a major draw statistically indicates a tense business and hence a higher probability of default of that other conditions being equal, the second behavior would trigger a vicious vizioso per il quale l’azienda in difficoltà finanziarie (minore liquidità o, in molte situazioni, crisi di liquidità) che richiede la nuova linea, la richiede da una situazione svantaggiata rispetto a prima in quanto ora il suo rating (giudizio della banca sul rischio legato all’impresa) sarà peggiore.
Le banche a loro volta, valutando il maggior rischio legato all’impresa, avrebbero maggiori difficoltà nel concederglielo, e se comunque decidessero di erogarlo (come immagino avverrà) il costo per l’azienda (essendo anche il prezzo cui è concesso il credito parametrato giustamente al livello di rischio che la banca si assume nel concederlo) sarebbe nettamente superiore a what should have checked before switching on severance pay for a similar line, but most would be far greater than the use of self in the form of severance pay.
In small and medium enterprises where the contractor's work does tend to try to juggle at all times to make ends meet, do you think the cancellation, from evening to morning of this resource and its increasing cost of funding that impact this time on the ability to generate revenue or create the conditions for increased default rate of the segment at the national level, thus undermining the root of the Italian production system?
I think you and I am sure that the Minister economy that yesterday in an interview on the Sun 24 hours complained that companies do not realize how the financial aid they decreased with the tax wedge on labor costs, knowing full well that if he had done so through cooperation, the companies would have preferred to keep their severance pay and give up the tax wedge. At least the vast majority of those that are not already huge caravans for more extensive help from the government.

Thursday, October 5, 2006

Make A Tech Deck Online

A dream (still on financial)

I must admit, these days the financial and the impact of size but of uncertain sign (negative) on some people and the country, it's my dominant thought. In his company there I wake up in the morning, evening the last lucid, sometimes also arrives in the dream, or anxious about to catch me by surprise as much and only dreams they do: this time the surprise came from watching a demonstration so large as to contain all the flags of all parties who have in essence a single breath of liberalism, whether right or left ... I participated and watched amazed such participation for the 'common objective of a liberal character in this budget, with that feeling in the stomach that you can only have when you believe to be participating in an event that could be described as historic.

Yeah I know sometimes I leave well permeated by doing good, especially in the numbness enveloping dream. But if the feeling of the dream is particularly beautiful, as was the case tonight, it remains even today so the next day and gives me hope that this situation can also occur in the real world: overcoming the many differences before the end, cuts across all 'belonging to different parties, to prevent the implementation of this budget, which brings with it the clear statement of the role of the state tax on top of everything and everybody, as an entity in itself, independent of the wishes and needs of citizens, independent of the efficiency of the services which should provide themselves, which have the right and duty to intervene in some way when that level is not more optimal (far from it before, but now the perception of the state interventionist and decisive even on people's aesthetic taste is awesome with a force). Then I read that

Capezzone proposes the formation of a cross table of the willing that make a significant change in the financial proposal and it seems almost a dream come true, that the situation is so untenable that urges coordination that goes beyond despite the important differences ... still probably the wake-dream effect, for which the most absurd things seem possible, they are led to believe that the absurdity of this makes real financial understanding, by an increasingly large number of people, a mammoth was not a need to feel good, especially if the government in power clearly does not use it for this purpose and it is not an incontrovertible truth: the way to achieve the parameters Europeans do not necessarily increase the tax burden is already quite high. Because otherwise this was a sure proof of the inefficiency of the state apparatus that continues to require no little or nothing to give, an apparatus that good and accountable governance at this point expected to improve in a structural way.

If all this is accompanied by the lies on the fiscal position of the government and economy minister which, contradicting, in parliament argues that Tremonti has left us a legacy and malignant the foreign press that instead the last financial Tremonti was very strict, the situation should be considered unsustainable by any citizen who has been his awareness that if the state should (?) stay heavy, at least not serious about them.
In this regard it should be noted that the "terrible" Berlusconi government, which increased government spending and this is certainly to be applauded, and at least in a situation of economic recession, has managed to reduce their taxes by about 2 percentage points, leaving a legacy to center-left not the painful situation which is described liar, but even more revenue (for another showing that the increase in revenue does not necessarily pass through the fight against tax evasion, but also by reducing the tax burden, making it less convenient to use evasion, which has social costs but also real) economy and a slight recovery. It is required to harass citizens with higher taxes when a sufficient structural intervention on public spending? And if you really can not act alone in this sense because the stakes are too many, not least the sacrifice should be required of all apparatus and therefore state? If only for the well-publicized equity.

If the sacrifices go in one direction, then it should be clear to all, with disarming clarity of a dream, both right and left, which requires the clear manifestation of our discontent.

Tuesday, October 3, 2006

Skin Disease More Condition_symptoms

the center-right hurry to decide to oppose the true

Today on Republic an instructive interview with Vincenzo Visco with a title absolutely emblematic liar as a liar and apparently was the campaign:

"A year from now will return the money we are asking today,"

But no, they are led to believe that this government is really able to do so by simple political strategy: the first couple of years spremerà as possible, but rather creating discontent (the only risk is that the majority would fall apart and the government falling, but in recent months, Prodi test the water several times and then had the certainty that the majority is firmly on the command posts), then reverse its direction and begin to make concessions. First minimum, then more and more evident, until clear and important signal: lower taxes, but in a real and relatively large a maximum of two and a half years before the new campaign, so that the land can touch the benefits given during the campaign itself, which irreversibly porterà nuovamente alla vittoria il centro sinistra.

Perché? Perché l’inversione di marcia e quindi la riduzione della pressione fiscale, a quel punto non riguarderà soltanto chi per cultura ha sempre guardato a sinistra, ma anche e soprattutto il ceto medio tanto bastonato con questa finanziaria, ceto medio che spesso corrisponde anche al sistema produttivo dell’Italia.
E allora, inesorabilmente, la vittoria sarà del centro sinistra, vittoria che, se riusciranno a concretizzare tale strategia, sarà senz'altro meritata per evidente superiorità nella gestione e nel mantenimento del potere politico... la memoria degli italiani nel momento del voto ricorderà soltanto il fatto that taxes have decreased during the 5 years of the Prodi government.

The opposition center-right political analysis of the many memories of recent months clearly indicate that the left does not like certain defects of political skill: development, growth and management of the widespread consensus at the regional level, management and maintenance of power. Visco's words in this interview are a clear lesson of this capacity.

At this point I think I recognize clearly that what today appears in the guise of a financial too hard, really hard and for all, is perhaps the last opportunity to be exploited by the center right to stand as a representative the widespread dissatisfaction with certain opposition to the government. By not continuing to ventilate the possibility of demonstrations unlikely that the same policy analysis referred to above, as not congenial to the people of the center-right, but with alternative proposals on which to seek consensus, if anything, even within the reformist wing of the left . Strictly later, and only after you feel the weight of politics that the opposition really is to have in parliament.

risk losing the likely last chance to reassert liberal ideas and liberal libertarian (which actually I do not think Alberghino predominantly in the center-right) for a very long time.

Pena flattening down of the company with the disappearance of the middle class production, the same as Visco says, pointing to the cause of this disappearance, however, factors that are the direct result of the economic policy of this government (and is not serious if they know it or even worse, he knows it and tell demagogically policies that actually help the government tax):

"I think the real risk for the middle class, is the disappearance. Squeezed between the impoverishment due to the drop in productivity at the lowest rung, and the ' unrestrained enrichment of the wealthy classes at the top step. This is the intervention of redistribution that we did not penalize, but rather helps the middle class. "

This is really a bad, bad financial.
tell the truth, a little there as I hoped it was true read on several fronts that the reforms of the right in Italy could do only a leftist government ... I hope that really happened and that maybe we would have ended with more fees to be paid (the rest of the use of taxation so heavy in economic policy has always been in the DNA of Padoa Schioppa, and no doubt also that of Visco), but at least one reform decent (though not optimal) of the pension system with another decent restructure public expenditure by streamlining the state at least a little ... so I had almost believed when I read up on the left sided media suggestions of this kind, but no, no not this time, only and only taxing some more with some really uncertain benefit in effect still to quantify the total.

So with everything that we can cling to oppose tough because a lot of indecision, the hesitation on the part of the center right? I hope I'm missing something about the strategy of the opposition but I fear that in reality there is only what appears: confusion. And again, given the words of Visco, this is perhaps the last major opportunity to try to change the course of events that so far seems to have not found any major obstacles.

I hope that the opposition is intimidated by the words of Visco do enough to wake up from the lethargy that has taken hold of her after the electoral defeat. Visco says:

"Already in the Budget next year, I am committed to further reduce taxes for everyone, and also burdens decided to return this year. Sull'Irpef concentrate further reductions, completing the reform soon started, with specific respect to the said sums being insufficient and the average. But again, this is possible because it is necessary that all do their duty. And that the country regain the morale boost, as well as economic growth and political stability "

these words indicate the clear and absolutely viable way that this government wants to undertake, with the certainty that it will win the next election, the opposition is really sure that this financial disaster exceeded, even marked as such by the left, there will be other opportunities for social rift strong enough to ride and hope to turn the political conditions for the center right?

I'm afraid not.

Monday, October 2, 2006

Walk In Clinics Toronto

A Just a couple of accounts

This morning I had fun in the office to see what would increase the tax rates within the various bands for which income tax rates change and the result, as is imagined, is disturbing:

Gross Revenue / tax / previous financial 2007/differenza taxation between tax regime and the previous fiscal 2007 financial / increase in the marginal
15000 / 3450 / 3450 / +0 / + 0% ( gross income)
20000 / 4600 / 4800 / +200 / +1.00%
25000 / 5750 / 6150 / +400 / +1.60%
30000 / 7300 / 7720 / +420 / +1.40
% 35000 / 9040 / 9620 / +580 / +1.66%
40000 / 10990 / 11520 / +530 / +1.32%
45000 / 12940 / 13420 / +480 / +1.06%
50000 / 14890 / 15320 / +430 / +0.86%
55000 / 16840 / 17220 / +380 / +0.69%
60000 / 18790 / 19270 / +480 / +0.80%
65000 / 20740 / 21320 / +580 / +0.89%
70000 / 22690 / 23370 / +680 / +0.97%
75000 / 24640 / 25420 / +780 / +1.04%

disturbing because looking at the numbers makes me wonder: who is who should benefit from this new in 2007 Budget The financial equity and income redistribution?

Well, two accounts of the servant on paper cheese (I used excel agree, it's easier!) Tell me that anyone with a gross annual income from more than 15 000 euro loses something. The something is more substantial than that for the income groups shown in the table.

The debate in the press has focused on income above € 75 000 for which the rate will reach 43%, which is really a drain, it seems, however, and I think a little interest at all, the increase will not only affects them but also those who certainly can not count among the middle class, unless you have an idea of \u200b\u200bthis class of very broad and not related to the Italian.

Prodi and Padoa Schioppa tear their garments in saying that the promises were kept and the 2007 Budget pursues social equity, but I can not be clear who will benefit di tale presunta equità. Dimostrato, numeri alla mano, che non ne beneficia chi ha un reddito lordo superiore a 20 mila euro, so per certo che è stata aumentata la no tax area da 250 a 500 euro. Bene, ne sono davvero felice, ma siamo sicuri che cotanto sforzo (a mio parere senza dubbio utile e forse doveroso) non potessero essere raggiunto in altro modo? Tanto più che per tutti (e quindi non solo per il cosiddetto ceto medio estendibile come dimostrato a redditi a dir poco bassini) e quindi anche per i “poveri” vi sarà l’aumento del ticket, l’aggravio della tassazione sulle rendite finanziarie (e quindi, anche sui titoli di stato notoriamente acquistati non da chi ha un grosso patrimonio, il quale generalmente si affida alla gestione individuale da parte di investitori specializzati che non acquistano certo bot, ma da chi ha qualche risparmio in banca), i tagli ai trasferimenti dallo stato ai comuni e alle regioni i quali, per far fronte alla spesa faranno leva sulle imposte da loero controllate, l’aumento dell’imposta di registro per il trasferimento di una casa anche da padre a figlio, l’aumento dell’imposta sulle donazioni e, infine, ricordando l’elevata percentuale di possessori di casa in Italia, l’impatto di sicuro aumento dell’ICI a fronte del trasferimento del catasto ai comuni che aggiorneranno le stime.

Dove risiede la compensazione a tutto ciò? Solo sull’innalzamento della no tax area? Really does seem a little 'bit.
Some say that with the new Budget, the deductions are being replaced by deductions, which, acting directly on the amount payable and not on the positive so they decreed a net benefit for those with dependents. Ben is the deduction, even though I have strong doubts net effect of all these tax benefits and certain hypothetical and this in fact seems to me noteworthy negative.

The uncertainty does not benefit in economy, ever, and as I got to say, do not know what to expect makes it impossible to make plans for the future or to individuals, resulting in an increasing level of consumption, or to companies who will have difficulty in planning investments, and then development (the uncertainty created by the Finance Companies I got to say ).