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the average savings for someone near retirement in America right now is $100,000

What, then, will people do when they retire? I asked Ghilarducci. “Their retirement plan is faith based,” she replied. “They have faith that it will somehow work out.”

“Over the past 20 years the average increase in spending on some items has exceeded the growth of incomes. The gap is especially poignant for those under 25 years old.”

As of 2013, tuition at a private university was projected to cost nearly $130,000 on average over four years, and that’s not counting food, lodging, books, or other expenses.

“Not only has the wealth of the very rich doubled since 2000, but corporate revenues are at record levels.” Edsall also observed that, “In 2013, according to Goldman Sachs, corporate profits rose five times faster than wages.”

Even as overall wealth in this country has shifted upward, away from middle-class families, the cost of medical care is increasingly being borne by the families themselves. As the Milliman study shows, the employer-funded portion of healthcare costs has risen 52 percent since 2007, the first year of the recession. But household costs have risen by a staggering 73 percent, or 8 percent per year, and now average $9,144.

he financial crisis of 2008, driven by the greed of Wall Street one percenters, robbed most American household of their primary assets. And right-wing “centrists” of both parties, not satisfied with the rising retirement age which has already cut the program’s benefits, continue to press for even deeper cuts to the program.

Vacations; an education; staying home to raise your kids; a life without crushing debt; seeing the doctor when you don’t feel well; a chance to retire: one by one, these mainstays of middle-class life are disappearing for most Americans. Until we demand political leadership that will do something about it, they’re not coming back.

Can the American dream be restored? Yes, but it will take concerted effort to address two underlying problems. First, we must end the domination of our electoral process by wealthy and powerful elites. At the same time, we must begin to address the problem of growing economic inequality. Without a national movement to call for change, change simply isn’t going to happen.

Long lives are not the problem. The problem is living in cultures designed for lives half as long as the ones we have.

Retirements that span four decades are unattainable for most individuals and governments; education that ends in the early 20s is ill-suited for longer working lives; and social norms that dictate intergenerational responsibilities between parents and young children fail to address families that include four or five living generations.

Last year, the Stanford Center on Longevity launched an initiative called “The New Map of Life.”

it would be a mistake to replace the old rigid model of life — education first, then family and work, and finally retirement — with a new model just as rigid

there should be many different routes, interweaving leisure, work, education and family throughout life, taking people from birth to death with places to stop, rest, change courses and repeat steps along the way.

To thrive in an age of rapid knowledge transfer, children not only need reading, math and computer literacy, but they also need to learn to think creatively and not hold on to “facts” too tightly. They’ll need to find joy in unlearning and relearning.

Teens could take breaks from high school and take internships in workplaces that intrigue them. Education wouldn’t end in youth but rather be ever-present and take many forms outside of classrooms, from micro-degrees to traveling the world.

There is good reason to think we will work longer, but we can improve work quality with shorter workweeks, flexible scheduling and frequent “retirements.”

Rather than saving ever-larger pots of money for the end of life, we could pool risks in new ways

Generations may share wealth earlier than traditional bequests; we can start savings accounts at birth and allow young adults to work earlier so that compound interest can work in their favor.

Maintaining physical fitness from the beginning to end of life will be paramount. Getting children outside, encouraging sports, reducing the time we sit, and spending more time walking and moving will greatly improve individual lives.

If you enjoy being able to speak your mind publicly and practice (or abstain from practicing) the religion of your choice, please think of this Memorial Day as more than a beachside, grill-side day off from work. Attend a local ceremony; thank a veteran; reach out to the family of a deployed or wounded service member.

establishing a review panel to consider the use of chimpanzees in future research that satisfies criteria laid by the IOM report, such as minimally invasive projects involving genomic and behavioral research; winding down research projects that do not meet IOM’s criteria; and providing ethologically appropriate housing facilities that attempt to mimic the animals’ natural settings.

Funds available to the NIH for retiring chimpanzees have been nearly depleted—only $800,000 of the $30 million allocated under the CHIMP Act of 2002 is still available. The agency will be seeking additional funds from Congress to implement its chimp retirement plan.

“It is crucial now to ensure that the release of hundreds of chimpanzees to sanctuary becomes a reality.”

Our brain was designed to make binary decisions—fight or flight—and avoid dangers,” Barnett says. But modern life with its ample choices and options doesn’t match how our brains naturally process information—explaining some ultimately self-defeating reactions such as impulsivity or inaction.

An intriguing thesis is that possessing a strong sense of life purpose provides us with that latent power to persevere and take action, even in the face of daunting odds and potential adversity. This is related to, though not identical to, the concept of resilience: the ability to bounce back from losses, failures, and disappointments

lingering perceptions based on dramatic, painful events are impacting decision-making even when those events are over.

Ariely said a home country investment bias might be generated by two perceptual factors.“The first is an overly optimistic belief about one’s own economy; an expectation of performance in their country that is higher than what would be statistically realistic. The second reason is most likely due to procedural difficulties in investing outside the country – such as less knowledge about how to access these markets.”

investors may be making decisions driven more by personal bias or irrational belief than by reality and, in doing so, they may be hindering their own investment success.

The problem? These decisions may hinder their ability to reach their desired retirement or savings goals. The choice is between changing the goal—or changing the means of reaching it.

In doing so, Mr. Moore and others have pushed climate change from the scientific realm into the political battles already raging over topics like voting rights, abortion and L.G.B.T.Q. issues.

“There is a coordinated effort to chill corporate engagement on these issues,” said Daniella Ballou-Aares

They have worked alongside a nonprofit organization that has run television ads, dispatched roaming billboard trucks and rented out a Times Square billboard criticizing BlackRock for championing what they call woke causes, including environmentalism.

That activism has often put companies at odds with the Republican Party, traditionally the ally of big business.

as pressure has grown from consumers and liberal groups to take action, corporations have warmed to the notion of using capital and markets to create a cleaner economy

When President Trump declared in 2017 that he would pull the United States from the Paris climate accord, more than 2,000 businesses and investors — including Apple, Amazon and Mars — signed a pledge to continue to work toward climate goals.

“Every company and every industry will be transformed by the transition to a net-zero world,” Mr. Fink wrote. “The question is, will you lead, or will you be led?”

And in January, Mr. Moore pulled about $20 million out of a fund managed by BlackRock because the firm has encouraged other companies to reduce emissions. BlackRock still manages several billion for West Virginia’s state retirement system. “We’re divesting from BlackRock because they’re divesting from us,” Mr. Moore said in an interview.

“These big banks are virtue signaling because they are woke,”

Mr. Fink of BlackRock has emerged as a main target of conservatives.

“We are perhaps the world’s largest investor in fossil fuel companies, and, as a long-term investor in these companies, we want to see these companies succeed and prosper,” BlackRock’s head of external affairs, Dalia Blass, wrote in a letter to Texas regulators in January.

“BlackRock is trying to have it all ways, acting like it is trying to please everyone.”

“ESG is a scam,” he said on Twitter on this month. “It has been weaponized by phony social justice warriors.” Shortly after that he shared a meme that declared an ESG score “determines how compliant your business is with the leftist agenda.”

“Climate change is not a financial risk that we need to worry about,” adding, “Who cares if Miami is six meters underwater in 100 years?”

That view is at odds with the findings of the world’s leading climate scientists. A major United Nations report warned last month that the world could reach a threshold by the end of this decade beyond which the dangers of global warming — including worsening floods, droughts and wildfires — will grow considerably. In 2021, there were 20 weather or climate-related disasters in the United States that each cost more than $1 billion in losses, according to the federal government.

“Our ambition is to be the leading bank supporting the global economy in the transition to net zero,” he said.

Confirmation bias shows up most blatantly in our current political divide, where each side seems unable to allow that the other side is right about anything.

The whole idea of cognitive biases and faulty heuristics—the shortcuts and rules of thumb by which we make judgments and predictions—was more or less invented in the 1970s by Amos Tversky and Daniel Kahneman

versky died in 1996. Kahneman won the 2002 Nobel Prize in Economics for the work the two men did together, which he summarized in his 2011 best seller, Thinking, Fast and Slow. Another best seller, last year’s The Undoing Project, by Michael Lewis, tells the story of the sometimes contentious collaboration between Tversky and Kahneman

Another key figure in the field is the University of Chicago economist Richard Thaler. One of the biases he’s most linked with is the endowment effect, which leads us to place an irrationally high value on our possessions.

In an experiment conducted by Thaler, Kahneman, and Jack L. Knetsch, half the participants were given a mug and then asked how much they would sell it for. The average answer was $5.78. The rest of the group said they would spend, on average, $2.21 for the same mug. This flew in the face of classic economic theory, which says that at a given time and among a certain population, an item has a market value that does not depend on whether one owns it or not. Thaler won the 2017 Nobel Prize in Economics.

“The question that is most often asked about cognitive illusions is whether they can be overcome. The message … is not encouraging.”

that’s not so easy in the real world, when we’re dealing with people and situations rather than lines. “Unfortunately, this sensible procedure is least likely to be applied when it is needed most,” Kahneman writes. “We would all like to have a warning bell that rings loudly whenever we are about to make a serious error, but no such bell is available.”

At least with the optical illusion, our slow-thinking, analytic mind—what Kahneman calls System 2—will recognize a Müller-Lyer situation and convince itself not to trust the fast-twitch System 1’s perception

Kahneman and others draw an analogy based on an understanding of the Müller-Lyer illusion, two parallel lines with arrows at each end. One line’s arrows point in; the other line’s arrows point out. Because of the direction of the arrows, the latter line appears shorter than the former, but in fact the two lines are the same length.

Because biases appear to be so hardwired and inalterable, most of the attention paid to countering them hasn’t dealt with the problematic thoughts, judgments, or predictions themselves

Is it really impossible, however, to shed or significantly mitigate one’s biases? Some studies have tentatively answered that question in the affirmative.

what if the person undergoing the de-biasing strategies was highly motivated and self-selected? In other words, what if it was me?

Over an apple pastry and tea with milk, he told me, “Temperament has a lot to do with my position. You won’t find anyone more pessimistic than I am.”

I met with Kahneman

“I see the picture as unequal lines,” he said. “The goal is not to trust what I think I see. To understand that I shouldn’t believe my lying eyes.” That’s doable with the optical illusion, he said, but extremely difficult with real-world cognitive biases.

In this context, his pessimism relates, first, to the impossibility of effecting any changes to System 1—the quick-thinking part of our brain and the one that makes mistaken judgments tantamount to the Müller-Lyer line illusion

he most effective check against them, as Kahneman says, is from the outside: Others can perceive our errors more readily than we can.

“slow-thinking organizations,” as he puts it, can institute policies that include the monitoring of individual decisions and predictions. They can also require procedures such as checklists and “premortems,”

A premortem attempts to counter optimism bias by requiring team members to imagine that a project has gone very, very badly and write a sentence or two describing how that happened. Conducting this exercise, it turns out, helps people think ahead.

“My position is that none of these things have any effect on System 1,” Kahneman said. “You can’t improve intuition.

Perhaps, with very long-term training, lots of talk, and exposure to behavioral economics, what you can do is cue reasoning, so you can engage System 2 to follow rules. Unfortunately, the world doesn’t provide cues. And for most people, in the heat of argument the rules go out the window.

Kahneman describes an even earlier Nisbett article that showed subjects’ disinclination to believe statistical and other general evidence, basing their judgments instead on individual examples and vivid anecdotes. (This bias is known as base-rate neglect.)

over the years, Nisbett had come to emphasize in his research and thinking the possibility of training people to overcome or avoid a number of pitfalls, including base-rate neglect, fundamental attribution error, and the sunk-cost fallacy.

Nisbett’s second-favorite example is that economists, who have absorbed the lessons of the sunk-cost fallacy, routinely walk out of bad movies and leave bad restaurant meals uneaten.

When Nisbett asks the same question of students who have completed the statistics course, about 70 percent give the right answer. He believes this result shows, pace Kahneman, that the law of large numbers can be absorbed into System 2—and maybe into System 1 as well, even when there are minimal cues.

about half give the right answer: the law of large numbers, which holds that outlier results are much more frequent when the sample size (at bats, in this case) is small. Over the course of the season, as the number of at bats increases, regression to the mean is inevitabl

When Nisbett has to give an example of his approach, he usually brings up the baseball-phenom survey. This involved telephoning University of Michigan students on the pretense of conducting a poll about sports, and asking them why there are always several Major League batters with .450 batting averages early in a season, yet no player has ever finished a season with an average that high.

we’ve tested Michigan students over four years, and they show a huge increase in ability to solve problems. Graduate students in psychology also show a huge gain.”

, “I know from my own research on teaching people how to reason statistically that just a few examples in two or three domains are sufficient to improve people’s reasoning for an indefinitely large number of events.”

isbett suggested another factor: “You and Amos specialized in hard problems for which you were drawn to the wrong answer. I began to study easy problems, which you guys would never get wrong but untutored people routinely do … Then you can look at the effects of instruction on such easy problems, which turn out to be huge.”

Nisbett suggested that I take “Mindware: Critical Thinking for the Information Age,” an online Coursera course in which he goes over what he considers the most effective de-biasing skills and concepts. Then, to see how much I had learned, I would take a survey he gives to Michigan undergraduates. So I did.

he course consists of eight lessons by Nisbett—who comes across on-screen as the authoritative but approachable psych professor we all would like to have had—interspersed with some graphics and quizzes. I recommend it. He explains the availability heuristic this way: “People are surprised that suicides outnumber homicides, and drownings outnumber deaths by fire. People always think crime is increasing” even if it’s not.

When I finished the course, Nisbett sent me the survey he and colleagues administer to Michigan undergrads

It contains a few dozen problems meant to measure the subjects’ resistance to cognitive biases

I got it right. Indeed, when I emailed my completed test, Nisbett replied, “My guess is that very few if any UM seniors did as well as you. I’m sure at least some psych students, at least after 2 years in school, did as well. But note that you came fairly close to a perfect score.”

Nevertheless, I did not feel that reading Mindware and taking the Coursera course had necessarily rid me of my biases

For his part, Nisbett insisted that the results were meaningful. “If you’re doing better in a testing context,” he told me, “you’ll jolly well be doing better in the real world.”

The New York–based NeuroLeadership Institute offers organizations and individuals a variety of training sessions, webinars, and conferences that promise, among other things, to use brain science to teach participants to counter bias. This year’s two-day summit will be held in New York next month; for $2,845, you could learn, for example, “why are our brains so bad at thinking about the future, and how do we do it better?”

Philip E. Tetlock, a professor at the University of Pennsylvania’s Wharton School, and his wife and research partner, Barbara Mellers, have for years been studying what they call “superforecasters”: people who manage to sidestep cognitive biases and predict future events with far more accuracy than the pundits

One of the most important ingredients is what Tetlock calls “the outside view.” The inside view is a product of fundamental attribution error, base-rate neglect, and other biases that are constantly cajoling us into resting our judgments and predictions on good or vivid stories instead of on data and statistics

In 2006, seeking to prevent another mistake of that magnitude, the U.S. government created the Intelligence Advanced Research Projects Activity (iarpa), an agency designed to use cutting-edge research and technology to improve intelligence-gathering and analysis. In 2011, iarpa initiated a program, Sirius, to fund the development of “serious” video games that could combat or mitigate what were deemed to be the six most damaging biases: confirmation bias, fundamental attribution error, the bias blind spot (the feeling that one is less biased than the average person), the anchoring effect, the representativeness heuristic, and projection bias (the assumption that everybody else’s thinking is the same as one’s own).

most promising are a handful of video games. Their genesis was in the Iraq War

Together with collaborators who included staff from Creative Technologies, a company specializing in games and other simulations, and Leidos, a defense, intelligence, and health research company that does a lot of government work, Morewedge devised Missing. Some subjects played the game, which takes about three hours to complete, while others watched a video about cognitive bias. All were tested on bias-mitigation skills before the training, immediately afterward, and then finally after eight to 12 weeks had passed.

“The literature on training suggests books and classes are fine entertainment but largely ineffectual. But the game has very large effects. It surprised everyone.”

he said he saw the results as supporting the research and insights of Richard Nisbett. “Nisbett’s work was largely written off by the field, the assumption being that training can’t reduce bias,

even the positive results reminded me of something Daniel Kahneman had told me. “Pencil-and-paper doesn’t convince me,” he said. “A test can be given even a couple of years later. But the test cues the test-taker. It reminds him what it’s all about.”

Morewedge told me that some tentative real-world scenarios along the lines of Missing have shown “promising results,” but that it’s too soon to talk about them.

In the future, I will monitor my thoughts and reactions as best I can

the discrepancy did not seem to be because of faulty memories, because the personality changes recalled by people jibed quite well with independent research charting how personality traits shift with age. People seemed to be much better at recalling their former selves than at imagining how much they would change in the future.

At every age we think we’re having the last laugh, and at every age we’re wrong.”

a few theories, starting with the well-documented tendency of people to overestimate their own wonderfulness. “Believing that we just reached the peak of our personal evolution makes us feel good,”

Or maybe the explanation has more to do with mental energy: predicting the future requires more work than simply recalling the past. “People may confuse the difficulty of imagining personal change with the unlikelihood of change itself,”

“The end-of-history effect may represent a failure in personal imagination,” said Dan P. McAdams, a psychologist at Northwestern who has done separate research into the stories people construct about their past and future lives. He has often heard people tell complex, dynamic stories about the past but then make vague, prosaic projections of a future in which things stay pretty much the same.

the number is the 48th example of a rare class of primes called Mersenne Primes. Mersenne primes take the form of 2 raised to the power of a prime number minus 1. Since they were first described by French monk Marin Mersenne 350 years ago, only 48 of these elusive numbers have been found, including the most recent discovery. [The Most Massive Numbers in the Universe]

mathematicians have devised a much cleverer strategy, that dramatically reduces the time to find primes. That method uses a formula to check much fewer numbers.

mber is the 48th example of a rare class of primes called Mersenne Primes. Mersenne primes take the form of 2 raised to the power of a prime number minus 1. Since they were first described by French monk Marin Mersenne 350 years ago, only 48 of these elusive numbers have been found

For example, psychologist Tim Pychyl has co-authored a paper showing that students who forgave themselves for procrastinating on a previous exam were actually less likely to procrastinate on their next test. He and others have also found that people prone to procrastination are, overall, less compassionate toward themselves — an insight that points to ways to help.

But psychologists see procrastination as a misplaced coping mechanism, as an emotion-focused coping strategy. [People who procrastinate are] using avoidance to cope with emotions, and many of them are unconscious emotions.

they found our brain processes present self and future self differently. We think of future self more like a stranger.

I used to procrastinate, and now I don't, because I got all these wicked strategies. And it’s every level: some of it’s behavioral, some of it’s emotional, some of it’s cognitive.

Whenever we face a task, we’re not going to feel like doing it. Somehow adults believe that their motivational state has to match the task at hand. We say, "I’m not in the mood." Our motivational state rarely matches the task at hand, so we always have to use self-regulation skills to bring our focus to it. So at first it will be, "Okay, I recognize that I don’t feel like it, but I’m just gonna get started."

We know from psychological research by [Andrew] Elliot and others that progress on our goals feeds our well-being. So the most important thing you can do is bootstrap a little progress. Get a little progress, and that’s going to fuel your well-being and your motivation.

mplementation intentions take the form of "If, then." "If the phone rings, then I’m not going to answer it." "If my friends call me to say we’re going out, I’m going to say no." So you’ve already made this pre-commitment.

OHIO rule: only handle it once. And I’m like that with email. I look at that email and say, "I can reply to it now, or I can throw it out," but there’s not much of a middle ground. I’m not going to save it for a while.

We [think] that people will make less procrastinatory choices now because they’ll realize that "It’s me in the future we’re talking about here. I’m going to be under the gun."

Roughly 5 percent of the population has such a problem with chronic procrastination that it seriously affects their lives

Conventional wisdom has long suggested that procrastination is all about poor time management and willpower. But more recently, psychologists have been discovering that it may have more to do with how our brains and emotions work.

Procrastination, they've realized, appears to be a coping mechanism. When people procrastinate, they're avoiding emotionally unpleasant tasks and instead doing something that provides a temporary mood boost. The procrastination itself then causes shame and guilt — which in turn leads people to procrastinate even further, creating a vicious cycle.

But psychologists see procrastination as a misplaced coping mechanism, as an emotion-focused coping strategy. [People who procrastinate are] using avoidance to cope with emotions, and many of them are unconscious emotions.

Recently we’ve been doing research that relates to the work on "present self"/"future self" because what’s happening with procrastination is that "present self" is always trumping "future self."

He’s shown that in experimental settings if someone sees their own picture digitally aged, they’re more likely to allocate funds to retirement. When [the researchers] did the fMRI studies, they found our brain processes present self and future self differently. We think of future self more like a stranger.

The people who see the present and future self as more overlapping have more self-continuity and report less procrastination.

e [think] that people will make less procrastinatory choices now because they’ll realize that "It’s me in the future we’re talking about here. I’m going to be under the gun."

Our motivational state rarely matches the task at hand, so we always have to use self-regulation skills to bring our focus to it. So at first it will be, "Okay, I recognize that I don’t feel like it, but I’m just gonna get started."

Implementation intentions take the form of "If, then." "If the phone rings, then I’m not going to answer it." "If my friends call me to say we’re going out, I’m going to say no." So you’ve already made this pre-commitment.

Because it’s all about self-deception — you aren’t aware that it’s going to cost you, but you are.

OHIO rule: only handle it once. And I’m like that with email. I look at that email and say, "I can reply to it now, or I can throw it out," but there’s not much of a middle ground. I’m not going to save it for a while.

And it’s every level: some of it’s behavioral, some of it’s emotional, some of it’s cognitive

materialism is not the greedy desire for material goods, but rather the belief that the fundamental reality of the world is material;

idealism is not the aspiration toward lofty and laudable goals, but rather the belief that the fundamental reality of the world is mental or idea-like. English-speaking philosophers today tend to speak of “physicalism” or “naturalism” rather than materialism (perhaps to avoid confusion with the Wall Street sense of the term). At the same time, Anglo-American historians of philosophy continue to find the distinction between materialism and idealism a useful one in our attempts at categorizing past schools of thought. Democritus and La Mettrie were materialists; Hobbes was pretty close. Berkeley and Kant were idealists; Leibniz may have been.

And it was these paradoxes that led the Irish philosopher to conclude that talk of matter was but a case of multiplying entities beyond necessity. For Berkeley, all we can know are ideas, and for this reason it made sense to suppose that the world itself consists in ideas.

Soviet and Western Marxists alike, by stark contrast, and before them the French “vulgar” (i.e., non-dialectical) materialists of the 18th century, saw and see the material world as the base and cause of all mental activity, as both bringing ideas into existence, and also determining the form and character of a society’s ideas in accordance with the state of its technology, its methods of resource extraction and its organization of labor. So here to focus on the material is not to become distracted from the true source of being, but rather to zero right in on it.

one great problem with the concept of materialism is that it says very little in itself. What is required in addition is an elaboration of what a given thinker takes matter, or ideas, to be. It may not be just the Marxist aftertaste, but also the fact that the old common-sense idea about matter as brute, given stuff has turned out to have so little to do with the way the physical world actually is, that has led Anglo-American philosophers to prefer to associate themselves with the “physical” or the “natural” rather than with the material.  Reality, they want to say, is just what is natural, while everything else is in turn “supernatural” (this distinction has its clarity going for it, but it also seems uncomfortably close to tautology). Not every philosopher has a solid grasp of subatomic physics, but most know enough to grasp that, even if reality is eventually exhaustively accounted for through an enumeration of the kinds of particles and a few basic forces, this reality will still look nothing like what your average person-in-the-street takes reality to be.

The 18th-century idealist philosopher George Berkeley strongly believed that matter was only a fiction contrived by philosophers in the first place, for which the real people had no need. For Berkeley, there was never anything common-sensical about matter. We did not need to arrive at the era of atom-splitting and wave-particle duality, then, in order for the paradoxes inherent in matter to make themselves known (is it infinitely divisible or isn’t it?

Central to this performance was the concept of  “materialism.” The entire history of philosophy, in fact, was portrayed in Soviet historiography as a series of matches between the materialist home-team and its “idealist” opponents, beginning roughly with Democritus (good) and Plato (bad), and culminating in the opposition between official party philosophy and logical positivism, the latter of which was portrayed as a shrouded variety of idealism. Thus from the “Short Philosophical Dictionary,” published in Moscow in 1951, we learn that the school of logical empiricism represented by Rudolf Carnap, Otto Neurath and others, “is a form of subjective idealism, characteristic of degenerating bourgeois philosophy in the epoch of the decline of capitalism.”Now the Soviet usage of this pair of terms appears to fly in the face of our ordinary, non-philosophical understanding of them (that, for example,  Wall Street values are “materialist,” while the Occupy movement is “idealist”). One might have thought that the communists should be flinging the “materialist” label at their capitalist enemies, rather than claiming it for themselves. One might also have thought that the Bolshevik Revolution and the subsequent failed project of building a workers’ utopia was nothing if not idealistic.

Consider money. Though it might sometimes be represented by bank notes or coins, money is an immaterial thing par excellence, and to seek to acquire it is to move on the plane of ideas. Of course, money can also be converted into material things, yet it seems simplistic to suppose that we want money only in order to convert it into the material things we really want, since even these material things aren’t just material either: they are symbolically dense artifacts, and they convey to others certain ideas about their owners. This, principally, is why their owners want them, which is to say that materialists (in the everyday sense) are trading in ideas just as much as anyone else.

In the end no one really cares about stuff itself. Material acquisitions — even, or perhaps especially, material acquisitions of things like Rolls Royces and Rolexes — are maneuvers within a universe of materially instantiated ideas. This is human reality, and it is within this reality that mystics, scientists, and philosophers alike are constrained to pursue their various ends, no matter what they might take the ultimate nature of the external world to be.

John McCain has Aeschylated it to “a Greek tragedy.” And he should know from Greek tragedy. “It’s the negative campaigning and the increasingly personal attacks,” he told The Boston Herald, adding, “the likes of which we have never seen.” When a man who was accused of having an illegitimate black child in the 2000 South Carolina primary thinks this is the worst ever, the G.O.P. is really in trouble. The Arizona senator, who’s supporting Romney, grimly noted: “I know he’s going to be the nominee, but I also worry about how much damage has been done.”

Once elected, those presidents curbed the id with the ego, common sense and reason. But now the G.O.P.’s id is unbridled. The horse has thrown the rider; the dark forces are bubbling. Moderates, women, gays, Hispanics and blacks — even the president — are being hunted in this most dangerous game.

Asked in Michigan why he couldn’t excite the base, Romney said he is not willing to make “incendiary comments” or “light my hair on fire.”

moderate Republicans feel passé, Senator Olympia Snowe of Maine shockingly announced her retirement, decrying “ ‘my way or the highway’ ideologies” and a vanishing political center.

The apogee of apathy for Romney was on Friday, when the man who says he’s an expert manager spoke to a mostly empty football stadium in Detroit.

he cited his wife’s two Caddies and his Nascar team-owner pals, and awkwardly mocked the plastic ponchos of Daytona racing fans: “I like those fancy raincoats you bought. Really sprung for the big bucks.”

Mitt was damaged as a contender against Obama when he was forced to admit that he had a 15-percent tax rate (given, as The Huffington Post points out, that Romney averaged $6,400 an hour at Bain Capital while creating lots of jobs with paltry wages).

Now Santorum should forfeit his chance after making a far dumber remark: Kids should beware of college because they’ll get brainwashed.

Pandering to Tea Partiers, Santorum, who has a B.A., M.B.A. and J.D., and who supported higher education in his 2006 senatorial campaign, absurdly turned the American dream inside-out and into sauerkraut.

He called the president “a snob” for encouraging people to get more educated and asserted that Obama only wants Americans to go to college so they can be remade in his image, while being indoctrinated by liberal college professors.

Does he think that defining ambition down and asking kids to give up hope is a good mantra? Even Gov. Bob McDonnell of Virginia, who was trying to mandate that women seeking abortions be shamed with vaginal ultrasounds that Democrats dubbed “legal rape,” thought Santorum went too far.

In an interview with ABC News’s George Stephanopoulos, Santorum offended the Catholics he’s courting by saying that the J.F.K. speech ratifying the separation of church and state made him want “to throw up” because Kennedy had thrown “his faith under the bus.” “I don’t believe in an America where the separation of church and state are absolute,” Sanctorum said.

Formal schooling is terribly important; it helps you think in the way that IQ testers like.

In 1910, schools were focused on kids memorizing things about the real world. Today, they are entirely about relationships.

One of the fundamental things is the switch from “utilitarian spectacles” to “scientific spectacles.” The fact that we wear scientific spectacles doesn’t mean that we actually know a lot about science.

in 1900 in America, if you asked a child, what do dogs and rabbits have in common, they would say, “Well, you use dogs to hunt rabbits.” This is not the answer that the IQ tests want. They want you to classify. Today, a child would be likely to say, “They are both animals.” They picked up the habit of classification and use the vocabulary of science.

we have learned to use logic to attack the hypothetical. We have an ability to deal with a much wider range of problems than our ancestors would.

In 1950, teenagers could not only understand their parents, but they could also mimic their speech. Today, teenagers can still understand their parents. Their passive vocabularies are good enough. But when it comes to the words they actively use, they are much less capable of adult speak.

The brighter you are, the quicker after the age of 65 you have a downward curve for your analytic abilities

Retire from your job, but read great literature. Read about the history of science. Try and keep up your problem solving skills

One of the most interesting predictions is what will happen to the developing world. If they industrialize, in theory, they should have the explosive IQ gains in the coming century that we had in the last century.

Cliches can cut through claptrap like a knife through butter. We can use them as a kind of societal shorthand.

But the very fact that a word or phrase has become a cliche, "through popular use – and overuse ," the report continues, "suggests that the phrase has lost originality and ingenuity and, thus, impact."

"Avoid cliches ...like the plague," Toastmasters International, a worldwide group that works to improve communication skills, advises. Tongue-in-cheek, of course.

A cliche can be as comfortable as an old shoe, as helpful as all get out. A cliche is like a long lost friend,