TUCK IN YOUR SHIRT APPROPRIATELY--OR FIND ANOTHER JOB

A MESSAGE TO THE EMPLOYEES OF THE COCKLAND GROUP LLC

By : Mr. Ronald F. Daggett, Assistant Deputy Vice President for Human Resources, The Cockland Group LLC, an Investment House specializing in service to the mortgage industry.

Cockland Group LLC is growing at a rapid pace. Since our founding in 2003, we have secured firm accounts with the Nation's largest mortgage sellers, including HSBC, Citigroup and Coldwell Banker. Our commitment to Absolute Client Satisfaction (ACS)™ is unparalleled. Our earnings have steadily risen in every consecutive quarter since our founding, even during some of the most challenging economic times in our Nation's history. We are proud of our accomplishments and we remain focused on our overriding goal: To deliver timely, effective, reasonable mortgage reinvestment services across the entire financial industry.

We could not have achieved these results without you, our employees. Here at Cockland management, we salute your dedication, hard work and passion for mortgage reinvestment services. At Cockland, it is not just about mortgages. It is about people™. Our people are the best. We know you know that, too. And we are thankful that you share our zeal for boundless client satisfaction. Because when great people serve great clients, everyone wins™.

We owe our success to our unique corporate culture. Cockland drives hard and plays hard. When we enter a market, we aim to penetrate and win. But when we relax, we relax with the same fervor we display when servicing an account. Cockland employees know how to please clients. And that is why clients keep coming back for more. Cockland delivers solid performance: Any time, anywhere--and for the best price™.

Nonetheless, not everyone can be a Cockland employee. We expect the best and we demand a lot. Sometimes it is difficult to overcome stiff competition in the mortgage client service market. We do not tolerate droopers or flaccid account service. Only the firmest survive at Cockland. Our employees don't back down. They stay on top of accounts until they are closed. Cockland employees are not timid. When we service accounts, we never pull out. We do not stop until our clients are completely satisfied™.

We also demand complete devotion to The Cockland Mission (TCM)™ (see employee manual, Chapter 2 for details). Being part of a winning team means the ability to play your position and to cheerfully receive instructions. Knowing your job is only half the battle; the other half is knowing how you fit on the ball club.

Attire is an important part of Cockland's success. Since our founding, we have insisted that every team member in the Cockland family wear either a white or blue button-down shirt at work. Button-down shirts show good taste and respect for client expectations. Clients in the mortgage industry wear button-down shirts. Typically, those shirts are white or blue. It only makes sense that we--as dedicated client service professionals--mirror their expectations. That is why we have always required our employees to wear white or blue button-down shirts. Sometimes conventions are essential. And this is one such instance.

Button-down shirts are vital to Cockland's special place in the mortgage service market. Yet the company has never endorsed an official policy expressing unconditional support for button-down shirts. We believe we have a duty as a company to reverse that trend. It is time for Cockland to recognize button-down shirts. And it is time for Cockland to make button-down shirts mandatory for all employees at the company. It is time to formalize.

From this day forward, every Cockland employee will be required to wear only blue or white button-down shirts while on company business. We refuse to acknowledge any exceptions to this policy. Every Cockland employee must certify that he or she will comply with this policy. He or she must further certify that failure to comply will result in immediate disciplinary action, up to and including docked pay and termination. Cockland must preserve its team spirit. And it must also maintain its winning attire-related traditions. That is why we hereby officially make blue and white button-down shirts a core element of Cockland culture. If Cockland employees cannot accept this, they can find employment elsewhere.

But this does not end Cockland's determination to inculcate attire discipline. In addition to requiring all Cockland employees to wear white or blue button-down shirts, all employees must also appropriately tuck their shirts into their pants.

Without appropriate tucking, blue and white button-down shirts mean nothing. Only a tucked-in button-down shirt can accomplish the goals Cockland expects. A tucked-in button-down shirt is absolutely vital to continued employment at Cockland. Inappropriately tucked and untucked button-down shirts reveal an inattention to personal excellence that is fundamentally inconsistent with Cockland's overriding commitment to unparalleled mortgage service. Our clients tuck in their shirts. All people worth anything in the world tuck in their shirts, too.

It would contravene our most basic company values to tolerate anything less than fully tucked-in shirts among our employees. For that reason, Cockland hereby requires all employees to certify not only that they will wear a blue or white button-down shirt every day at work, but that they will also appropriately tuck in their shirts. Failure to tuck in a shirt will result in immediate disciplinary action, up to and including docked pay and termination. Additionally, inappropriately tucked-in shirts will lead to the same consequences. Cockland simply cannot risk disappointing its clients by allowing employees to appear without immaculately tucked-in blue or white button-down shirts.

We recognize that these policy changes may appear harsh. We also recognize that employees may be confused about what it means to "tuck in" a button-down shirt or to "appropriately" tuck in a button-down shirt. In fairness to our employees, we wish to clarify these matters.

First, a "tucked-in button down shirt" means any button-down shirt the shirttails of which rest against the upper thighs, yet which are concealed and circumscribed at the top by a belt and trousers. As such, if a shirttail at any time appears outside the pants, the shirt is considered "not tucked-in" and will accordingly subject the offending employee to discipline.

Second, an "inappropriately tucked-in button down shirt" means a tucked-in button down shirt the tucking of which is not appropriate. "Appropriate tucking," in turn, means a tuck that does not result in ruffles, creases or otherwise slovenly shirt characteristics above the beltline. A tuck is only appropriate when the shirttails remain at all times below the beltline without bulging out, creasing or otherwise creating an unsavory appearance. The mere fact that an employee experiences "inappropriate tucking" because he or she sat down at a desk for too long does not cure the offense. An inappropriate tuck is an inappropriate tuck. Our clients expect the best from Cockland; and they do not forgive inappropriate tucking.

Neither do we. Inappropriately tucked-in button-down shirts will immediately subject the offending employee to discipline, up to an including docked pay and termination. We realize that compliance with appropriate tucking requirements may at times prove difficult. For that reason, management has decided to allow employees to cure inappropriate tucking by expeditiously removing all inappropriateness from their tucking within 30 seconds after discovering that their button-down shirts are inappropriately tucked. We believe that this rule both fairly allows for conscientious compliance at the same time it justly punishes flagrantly inappropriate tucking.

Cockland management is determined to realize excellence in all employee endeavors. That is why it has decided to implement these new rules concerning mandatory button-down shirt wearing and appropriate tucking effective immediately. Details may be found in the employee manual, Chapter 45, subsection 7(b).

Anyone who is anyone wears a blue or white button-down shirt every day. And anyone who is anyone appropriately tucks that shirt in; or at least corrects inappropriate tucking the moment it appears. At Cockland, we are committed to bringing maximal satisfaction to everyone who is anyone. That is why we must lead by example. That is why we must tuck in our shirts--appropriately.

If you don't like the rule, you shouldn't be on this team. So tuck in your shirt and start penetrating those accounts like a real Cocklander.

NORMALIZING JUDGMENTS CAN REALLY PISS ME OFF

OESTERHOUDT STRIKES

It astounds me how much material I can mine from newspapers. Every story is rife with hidden biases. Every perspective is jilted. Every judgment is faulty--at least from particular angles. My writing, too, is faulty from particular angles. But newspapers "disseminate information on a large scale." They even claim to publish "the truth." I make no such claim. I am just a lonely Nietzschean in a categorical world. My facts are my perspectives, no more. To say anything else would be presumptuous at best.

Yet I am not writing to attack factual inaccuracies in news reporting. Rather, I write to illustrate the ubiquitous, subtle value judgments that underlie even the most innocuous articles.

Last week, for instance, the New York Post ran a brief article about the new "Limelight Mall" that opened in the old Episcopal church on 6th Avenue. See N.Y. Post, May 8, 2010 at p. 6. For New Yorkers, this is a seismic shift. Beginning in 1983, a notorious nightclub called "Limelight" operated in the space. It closed down a three years ago. It remained vacant. People thought the building was falling apart. They thought it was ugly. Actually, they never liked it much when it was a nightclub, either. People used to have sex, do drugs and dance there.

But now it's a high-end shopping mall. You can't hang out with lascivious nocturnal denizens in the Limelight anymore. You can't get lost in Byzantine mazes searching for chance encounters there. Nor can you dance away the night to the techno beat. No, now the Limelight has regular business hours. And rather than offering New York nightlife, now it peddles $400 dog collars, custom soaps and Petrossian caviar.

This is Bloomberg New York at its finest. Out with fun. Out with uniqueness. In with drab, revolting commercialism. In with chain stores, banks and luxury boutiques. It makes me want to vomit.

Yet the New York Post voices its values by praising the transformation at Limelight. Although the staff writer does not directly say that a boutique mall is better than a nightclub known for rollicking Epicurean license, she uses a surrogate to make the judgment for her. Specifically, she quotes a 30-year-old lawyer with a 7-month-old daughter who came down to check out the new shops. The lawyer said: "It's fabulous. It was really a dump before."

Wait a minute. What could a 30-year-old lawyer possibly know about what the Limelight was 20 years ago? She was 10 years old back then. She probably didn't even live in New York. The Limelight has been closed for three years. That means she was 27 when that happened. Kids usually graduate law school at 25, which means that for three years before that, she probably never set foot in a nightclub, let alone assessed whether the Limelight was a "dump." Even assuming she did have the time, most law students don't go to places like the Limelight; such indulgence might reflect poorly on their character applications for bar admissions.

In all likelihood, this lawyer moved to New York very recently and rented an apartment in the neighborhood at some obscenely inflated rent. She had a job waiting for her, then popped out a kid. She probably noticed that the church was unoccupied. She probably also noticed that the other buildings in the area housed nice little restaurants and shops, so the church looked "run down" by comparison. So when a boutique mall opened in her neighborhood, she probably thought to herself: "How consistent! Just what I expected for my block! Now I can get caviar!"

This is revolting value imposition. Who the hell is this little lawyer to say whether the Limelight was a dump? She could never have gone to the Limelight in its heyday. She was studying contracts and torts during its last years in operation. She merely heard about the Limelight and immediately concluded that a boutique mall is better than a nightclub. That is a value judgment. And it reflects allegiance to quiet bourgeois comfort. The Post endorsed that judgment.

Screw her. I think boutique malls are dumps. I'll take the nightclub.

Alas, she made the paper, not me.

Thus spoke Oesterhoudt.

TERROR FART SHUTS SEVENTH AVENUE : PANIC IN NEW YORK

NEWS FLASH

Reason, Commerce, Justice and Free Beer has just learned that authorities in New York shut down a major city thoroughfare after a Muslim allegedly farted.

Details remain sketchy. It is not known who farted, nor whether the fart constituted "use of weapons of mass destruction" under applicable federal anti-terror laws. It is not even known whether the fart caused any appreciable damage to the surrounding area.

Nonetheless, officials are not taking any chances. Deputy NYPD Police Commissioner B. Leonard Pfurzfinder called the alleged terror fart a "serious attempt" to sow chaos in New York. He warned the public to "keep your eyes and noses open for flatulating Muslims."

Mr. Pfurzfinder gave a press conference shortly after the incident: "I wish to confirm that the Police Department--in cooperation with State and federal law enforcement--have closed Seventh Avenue following the reported emission of terrorist intestinal gas near 35th Street. At approximately 7:45 AM today, a woman named Cathleen Summers passed a man with a long black beard wearing a skull cap and a long white gown. According to Ms. Summers, 'he looked like Osama bin Laden.' As she passed the man at the intersection of Seventh Avenue and 35th Street, Ms. Summers heard a very loud noise. 'It was definitely a fart,' she said. Within a moment following the noise, Ms. Summers also smelled a rancid odor in her vicinity. 'It must have come from the fart,' she told responding officers. She also mentioned that pedestrians gasped in horror when they smelled the fart; they fled in all directions. Pandemonium ensued. One man collapsed from inhaling the fumes. Another man said the 'sound of the fart' broke his iPad® digital reading device. Ms. Summers also reported that the bearded man did not panic after the fart; he surreptitiously moved away down 35th Street."

Mr. Pfurzfinder continued: "We are fortunate that no fatalities resulted from the fart. But we cannot let our guard down. Considering the evidence before us, we must conclude that this fart constitutes a serious terrorist attack on American soil. True, the fart did not cause much damage. But it shows that there are men who look like Osama bin Laden in the United States who can emit toxic odors. Worse, it shows that men with beards and white gowns can infiltrate major American cities, eat gas-producing foods and subject everyday Americans to deadly flatulence. We can be glad that no Americans died in this brazen gas assault on New York City. But we must painfully acknowledge that the War on Terror--especially gaseous fart terror--is far from over."

Mr. Pfurzfinder stressed that Americans must do their part to battle terrorism in all its forms: "We salute Ms. Summers for immediately calling authorities after she heard and smelled the enemy fart. And we also salute Ms. Summers for recognizing that suspicious activity is not always visible. In fact, terrorism does not just affect the eyes; it affects all the senses. Since 2001, the NYPD has admonished New Yorkers to report suspicious activity with the slogan: 'See something; say something.' But that admonishment does not encompass all possible terrorist threats. Terror does not limit itself to visible phenomena. As this case shows, terror can be heard and smelled, too. In that light, we hereby modify our slogan to include all the senses: 'See something, hear something, smell something, taste something or feel something--say something.' Although we recognize that some New Yorkers may report things that do not turn out to be terror threats, we believe that the extra caution is worth it. An old woman, for instance, may feel a spider crawling on her neck while she sleeps. She may believe she is under tactile terrorist attack. She might even call police, wailing: "I felt something, so I'm saying something." Yet fielding a few misguided 911 calls is a small price to pay to avoid another 9/11."

Concerning the general terrorist threat level, Mr. Pfuzfinder elaborated: "We are on edge. Within the last two weeks, Muslim agents have tried to blow up Times Square. In the ensuing days, authorities closed down Times Square several times after citizens reported 'suspicious packages' on various street corners. Those packages turned out to contain ham sandwiches, bottled water and cheap novels; but the threat remains. It remains true that Muslims want to kill us. Today's fart incident represents yet another attempt to target America this month. We are in the crosshairs. The Muslims not only want to destroy significant targets in spectacular attacks; they also want to wreak panic by dispersing toxic farts among everyday people who just want to get to work in the morning. That is truly terrifying--and we are working to stop it."

Mr. Pfurzfinder did not specify how the NYPD plans to address farting Muslims in the future. Still, Republican lawmakers in Washington, D.C. quickly jumped on the news.

"Today's incident in New York just goes to show that President Obama is not doing enough to stop terror," declared Senator John Cornyn (R-TX). "This is the price we pay for the President's misguided decision to 'understand' Muslims. We cannot afford to understand these people. They want choke us on the nastiest farts you can possibly imagine. We cannot have a 'dialogue' with people who are out to drown us in farts. Put simply, we need to stop talking and start attacking Pakistan, which is where this fart guy is probably from. If we don't, the next fart is going to really hurt somebody."

Senator Lindsey Graham (R-SC) echoed Mr. Cornyn's call for increased action against Pakistan. "I have it from reliable sources that al-Qaeda is training operatives to produce massive amounts of flatulence in their own bodies. They call it 'the natural approach.' CIA infiltrators have shown me shocking pictures of masked men sitting in desert training camps eating goat cheese, falafel, kebab and raw onions in terrifying amounts. We are blind to the truth if we assume that this New York fart suspect did not receive al-Qaeda digestive terror training in Pakistan. That is why we must attack Pakistan now. I refuse to see a single American killed by a fart we could have prevented."

In a statement on the issue, Texas Senator Kay Bailey Hutchison (R-TX) shied away from foreign policy assertions. "No matter what we do abroad, I say we need better domestic legislation to punish Muslims who fart. I have already drawn up a draft bill that expands the definition of 'weapons of mass destruction' to include 'the intentional, reckless, negligent or inadvertent expulsion of intestinal gas by a person who is a Muslim, however slight or inaudible.' Ignorance is no defense. I define 'Muslim' as 'any person not a Christian' or 'any person with a suspicious looking beard, unless he is from Texas; but such exception does not apply to African-Americans with beards, or any female, regardless of State residence or race.' If we enforce this law, we will bring digestive terrorists to justice and protect Americans."

President Obama's Attorney General--Eric H. Holder, Jr.--urged a more circumspect approach to the Muslim fart menace. "Our investigation into this matter has just begun. We still need to determine whether the man who farted did so with terroristic intent. This is a legal inquiry: Only farts expelled with a specific intent to terrorize are currently forbidden under existing law. This administration is committed to law. We refuse to indulge speculation. We also refuse to yield to public hysteria surrounding the incident. Until we have reliable evidence, we cannot commit to prosecuting this suspect as a terrorist. For the moment, he is simply a 'person of interest' who farted on Seventh Avenue on May 17, 2010. We understand that our approach may disappoint those who assume all Muslim farts to be terror farts. But respect for the rule of law--and for basic fairness in the administration of justice--dictates that we assemble all the facts before we conclude that digestive terror occurred in New York today."

Rush Limbaugh denounced Holder's statement as "rubbish:" "When a Muslim farts, it's terror. I don't give a shit what the law says."

New York's Mayor Michael R. Bloomberg emphasized that Muslim farting is not good for the city economy. "The thing that upsets me most is that this fart closed down Seventh Avenue. There are a lot of really big stores and businesses on Seventh Avenue, including Ernst & Young and roughly 75 Starbucks Coffee houses. This fart caused people to miss work and lose out on pay. It also caused people to refrain from shopping and going to Starbucks. That is not good for New York. So whether or not we conclude that this Muslim emitted a terror fart, he has already terrorized New York's economy. And I don't like it when corporations can't do business."

At present, investigators are searching high and low for the man who allegedly farted near Ms. Summers this morning. Officials expect to reopen Seventh Avenue sometime this afternoon, depending on the FBI's determination that residual Muslim fart fumes have sufficiently dissipated to permit vehicular and pedestrian traffic.

President Obama issued the following statement after receiving word about the incident: "Our hearts go out to the families and to those affected. We will not tolerate digestive terror and we will not shirk our responsibilities. We are a resilient people. No matter how thick the fart cloud that hangs over us, we will persevere."

UPDATE AND A WORD ABOUT MY FUTURE PROJECTS

You've probably noticed that I haven't posted anything in a few days. Once again, I've been extremely busy handling my partner's health problems. I spent the better part of the last two days in the hospital. I didn't sleep much during that time and when I got up this morning I was too exhausted to think, let alone generate a decent post. Aside from that, I was out of town this weekend and have been occupied with lots of new things; and don't worry: They are good for me!

Still, all these events have denied me my writing time. That bothers me on many levels. It makes me feel better just to let you all know what's going on with me, since I'm accustomed to a certain weekly output. On the other hand, I realize that life does not always offer the best circumstances in which to create. And if I have to go into "writing dormancy" more than usual in the coming weeks, I will have to face it. I apologize in advance if I don't crank out my hoped-for three or four posts every week.

I always get so many ideas during my breaks. When I just live and observe, I amass new thoughts, experiences and impressions. I know those ideas will all buoy me when I settle down into another long writing phase. I've actually jotted down three big ideas for longer pieces in the future. Although I do not have the time or space to discuss them all here, I will say that they involve these issues: Truth; confessions; power; capital punishment; free will; death; sexuality; categorization; identity; desire; subjectivity; happiness; prejudice and reflection. I have conceived both fictional and nonfictional structures in which to explore these themes. But my piece on sexuality will be part reflective, part anecdotal and part polemical. Think of it as a sequel to Foucault's work on sexuality, with a personal twist to make it accessible.

To share some detail from my own personal experience lately, I have been entertaining serious doubts about my own sexuality. And my doubts move in an unconventional direction. Namely, for almost 14 years I have been quick to characterize myself as "gay." But in fact I'm not so sure what that means anymore. By the same token, I cannot say what "straight" means, either. In truth, the only reliable conclusion I've made in this inquiry is that sexual identity is never clear-cut. That is because it reflects basic desire. Basic desire, in turn, is purely subjective. It is impossible to categorize desire because there is no limit to individuals' deepest subjective tastes.

I don't think people appreciate just how fluid sexual identity is. That is what I will address in my piece. In the process, I will discuss the unfortunate human tendency to associate absolute meaning with artificial categories. I plan to show that categories like "gay" and "straight" are not talismanic. Rather, I will show that they are at best "rough guidelines" that exist in various proportions in us all at different times in our lives.

I also plan to discuss why I think the term "gay" is absurd. When it comes to categorizing groups, sexual "orientation" is a dubious--and barely unifying--characteristic. That is not to say that people who identify themselves as "gay" do not merit certain assistance or solicitude under law. My main argument will be that "gay" is not a good identifier, nor is it absolute. There are plenty of people in the world--including me--who find men attractive, yet have no difficulty whatever finding women attractive, too. The bottom line is that one desire never excludes another. And "gay" is a category that essentially implicates a particular sexual desire.

So that's what's on my mind these days. Forgive me for the sparser posting. I promise there is plenty more to come. I have a whole list to get to!

Take care. And thanks as always for reading my archives.

Oesterhoudt

PROPERTY OWNERS SPEAK OUT AGAINST DISABLED AMERICANS

CONSIDERED OPINION

By : Mr. Irwin D. Gallant, Chairman and Chief Executive Officer, Lexington Property Management Group LLC (A Delaware Limited Liability Company specializing in commercial property rentals to Fortune 500 companies in cities across the Nation); Harvard Business School (M.B.A. summa cum laude 1990); Avid Jogger; Amateur clockmaker and watch collector; Christian; aficionado of numerous activities requiring undamaged arms and legs.

Hey you. Yeah, you: The fat fuck in the wheelchair. Get a goddamn move on it. I've got a whole line of customers trying to get into the store, and there you are struggling to maneuver your fucking lard cart through that double door. Yeah, yeah, yeah. We know you're disabled. But it's about damn time for property owners like me to tell you what we really feel: We can't fucking stand your lame asses.

How many times have property owners felt this way? They all do--every day. Disabled people are simply not fast enough to keep up with the pace of business in America. They frustrate normal people with functioning legs who are just trying to go to work, buy a few groceries and get home before 10 PM. And how much money have property owners spent trying to accommodate these worthless crippled fuckers? Let me give you a ballpark: BILLIONS!@!@! And I'll tell you another thing: Building expensive ramps for drooling fucktards with canes has driven numerous enterprising Americans straight out of business.

America faces worse threats than foreign terrorism. As a property owner and businessman, I can say without hesitation that the Americans with Disabilities Act of 1990 (ADA) is the greatest threat to liberty this Nation has ever encountered. Fuck the Times Square bomber; he didn't hurt anyone. But the ADA hurts honest business owners every day by requiring them to build costly additions to their properties on their own nickel. And when business owners hurt, the whole country hurts.

Think about it: The Red Lobster on West 41st Street could have hired 100 dishwashers and 50 waiters in 2009 if it hadn't had to install a freaking "supplemental dumbwaiter" to lift paralyzed midgets from the dining room to the balcony. So in the end, a few lazy fuckheads got to eat the fried shrimp special in 2009, while 150 people lost their jobs. Fair trade? I think not.

Liberty is about owning property and doing whatever you want with it. Liberty is also about making as much money as you can from your property without worrying about other people. But the ADA forces property owners to do things with their property that they'd rather not do. It forces them to accommodate people on their premises who do not help them make more money. This violates property owners' liberty. It also robs them blind by compelling them to build doorways, elevators, extra exits and conveyor belts all over the place. That shit is expensive. And when business owners spend money on useless shit like that, it prevents them from paying out dividends, hiring people or opening new locations.

Put simply, the ADA is a terrorist law because it tramples liberty. In fact, most business owners would simply prefer to die in a car bomb explosion than watch their companies go bankrupt after wasting all their money on unnecessary elevators. Castrating a business' economic potential is just as terroristic as slamming airplane into a skyscraper. The result is the same: People lose their jobs--and their lives. And both are scary.

When we reflect on just how much it costs to comply with the ADA, we must ask ourselves: For what? What do we get for destroying businesses and bankrupting property owners? What do we get for boosting unemployment and dampening our prosperity? A society in which crippled fucktards can wheel into any building they want to spend their pension money.

I know it's "American" to say that everyone deserves an "equal opportunity" to see the Yankees or eat at Red Lobster. But who really gives a flying fuck about some paraplegic kid with a tube down his throat? OK, so we build him his own goddamn elevator and his own goddamn entrance door. Once he's in, does he spend money? Maybe his mother buys him a candy bar, a hot dog or some shit… oh wait, he eats through a tube. Never mind. What I mean is that crippled fucktards don't usually have much money to spend, and there aren't that many of them anyway. So basically property owners waste all that money accommodating them; and they get zero in return. In business, that's called a loser bet. And that's exactly what the ADA forces property owners to do.

I know what you're thinking: How can I be so mean when talking about Americans with disabilities? Well, I've got a simple answer: Because I'm honest. Life isn't easy in America. It isn't easy to run a profitable business and pay your bills. Life is fast-paced; if you can't hack it, you can't hack it. It's hard enough to turn a profit even with full body function; you can just forget about it you're legless. If you had the bad luck to get crippled--or you were born with some freakish defect that condemns you to lifetime care--that's your problem. You have no business doing business. You shouldn't be in the race. Sorry about that. That's just the way the ball bounces, mon frère. Apply for charity or something. Just don't stand in line or apply for a job with everyone else. You really annoy us.

Normal Americans just plain don't like being around crippled people. It makes them uncomfortable. When a family goes to the museum, they don't like waiting for a half-dead, moaning retard on a motorized gurney to navigate a narrow passageway. When young professionals go to a discotheque on Friday night, they don't like waiting two minutes for a blind war veteran on two canes to hop his way up the steps. When hardworking American workers get home at night, the last thing they want is to wait for a paralyzed woman to fish out pocket change in line at the grocery store.

In a word, crippled people frustrate and frighten everyone around them. Nobody likes them. Nobody has patience for them. In that sense, it is perplexing that the ADA forces both business owners and customers to deal with them on even terms. If it were up to the American people, they would stay away from cripples like the black death. But the law forces Americans to treat them "equally." This is both wrong and unjust.

To summarize: Commercial life is fast-paced; and disabled Americans are not fast-paced. They simply cannot cut the mustard. From an evolutionary standpoint, crippled people don't belong in commercial life. They can't keep up. That's the truth, no matter what goody-goody rhetoric apologists on it. If it came between hiring an able-bodied man and a wheelchair-bound man for the same job, no rational employer would ever hire the cripple. Why should he? If both men had the mental ability to do the job, why hire the man who needs a special entrance door and elevator just to get into the building? Why assume the extra trouble? In business, we move fast. We avoid inconvenience when we can. And cripples are inconvenient. The bottom line is that we don't have time to be nice. Time is money. So we hire the man who takes less time to do the same job. Plus he can get up and run errands once in a while.

Commercial life is like nature: Only the strong survive. Yet the ADA compels commercial actors to accommodate cripples and hire them on equal terms, no matter how unprofitable it may be. This is not only counter-evolutionary. It is also unnatural. Would a bee colony support bees without wings? Would a cattle herd help a cow with broken legs? Certainly not: Caring for cripples threatens the well-being of the healthy community. Commerce, like nature, is a death struggle against bankruptcy. Just as a herd depends on healthy, contributing members to avoid death in nature, so too do commercial actors depend on healthy, contributing employees to avoid bankruptcy in commerce. And just as a herd abandons crippled members to avoid death in nature, so too do commercial actors jettison crippled employees to avoid bankruptcy in commerce. In this light, the ADA forces commercial actors to unnaturally hire crippled workers who do more harm than good for the enterprise.

Viewed as a whole, the ADA terrorizes liberty and makes war on nature. In the name of "decency, compassion and humanity," it forces property owners into bankruptcy just to accommodate worthless crippled Americans. It hamstrings employers by forcing them to hire employees who are physically unable to make money. And it frustrates everyday Americans by forcing them to watch pathetic cripples take entirely too long to accomplish rudimentary commercial activities, like boarding a bus.

What is liberty if not the freedom to spend money as we please, to hire whom we please and to keep the company we please? And what is liberty if we must spend money in ways we'd rather not, hire clearly unsatisfactory people and keep uncomfortable company with paralyzed invalids who defecate on themselves in public? That is not liberty--that is terrorism.

As a property owner and an American, I say with all my heart: The Americans with Disabilities Act is terrorism. And I believe in freedom. That means the freedom to shut out cripples from movie theaters and fire people without arms. And it also means the freedom to walk into a grocery store at 6:45 PM without fear that a deaf-mute fucktard on crutches will hold up the line for seven minutes.

I speak for all Americans who believe in unrestricted commerce when I say: "Hey lady. Yeah, you, the amputee. Pick up the fucking pace, will you? I just got out of work. Friends is on soon and I'll be damned if you take two more fucking minutes to pay for that soup."

THE HEIGHT OF DISINGENUOUSNESS : INVESTMENT BANKS "MAKING A DIFFERENCE"

OESTERHOUDT STRIKES

Last week, I took a walk in Brooklyn. As I made my way up Tillary Street past Flatbush Avenue, I noticed an incredible commercial message from Charles Schwab adorning a bus stop: "We want to make a difference, not just a buck. Let's make a difference together."

I beg your pardon? Do investment houses really care about making anything more than a buck? Why do people invest money in the first place? To turn one buck into two or more bucks. It's all about making bucks. If investing makes any "difference," it's a differential between the amount invested and the amount returned. And everyone wants that differential to be positive.

But let's leave investors aside for a moment. Let's focus on the institutional guys. You know, the investment bankers who craft bewildering "portfolios" designed to churn fees and hopefully yield a nifty profit for the client. Now, an investment banker exists to do two things: (1) To maximize the monetary return on a client's investment; and (2) To maximize his own fees by selecting appropriate transactions. To be blunt, it is all about money. In fact, investment bankers are more than mere employees; they are fiduciaries. They must subordinate their own interests to their clients' interests. They can even be sued for failing to make enough money, because that shows "they did not sufficiently have their clients interests at heart."

In that light, it is preposterous for Charles Schwab to suggest that investment bankers care about anything more than "making a buck." If they cared about anything else--like "making a difference"--they would lose their jobs, clients and everything else they value.

And what does "making a difference" really mean? Have investment houses suddenly lost their collective minds? Do they want to open soup kitchens or something? Do they want to build houses for the homeless? How about pay for health care for indigents? Is that the kind of "social difference" they want to make? The phrase "making a difference" implies broader service to the public, or even ethical purity. It rings with selfless nobility. Yet such things are completely antithetical to an investment house's primary mission: To make profits for themselves and their private clients. There is nothing "public" or "noble" about that enterprise.

Recent stock market scandals only weaken Charles Schwab's pitiful attempt to appear altruistic. Did Lehman Bros. care about "making a difference" when they lured investors into placing money on a housing market they bet would fail? The bottom line is that people expect investment bankers to engage in dirty dealing. It is par for the course. Worse, most investors would prefer their bankers to engage in the most barely legal conduct possible so long as that conduct yields a maximal return. That is what it means to "make a buck," not "a difference."

Commerce is about making bucks, not a difference. That is just the way it works. And it is the height of disingenuousness for anyone to suggest otherwise, let alone massive investment banks that personify the commercial spirit. If investment banks choose to "make a difference," chances are they do so in order to gain tax advantages, not to soothe their conscience.

Put thematically, the clash between "making a buck" and "making a difference" is a clash between commerce and ethics. It is also a clash between ends and means. Commerce is about ends; ethics is about means. A commercial man only cares about the bottom line, no matter how he gets there (provided he does not risk criminal sanction). An ethical man cares about the way he achieves his goal. When a person commits to making bucks, he has a distinctly result-oriented motive. But when a person wishes to make a difference in the ethical sense, he is as much concerned about the way he brings about positive change as he is concerned about the change itself.

In commerce, means are secondary. Investment houses like Charles Schwab know that. If it suddenly adopted "making a difference" as its primary business model, its clients would leave in droves. And the company's shareholders would angrily vote off the "insane" directors who approved such an idiotic way to do business. In their place, the shareholders would quickly appoint directors with a more sensible business model, namely: "Making a buck."

And the new directors would immediately yank those ridiculous posters from the bus stops.

Hey, at least they would be honest.

MOMENTS IN TIME : JANUARY 1, 2000

A REFLECTION

Sometimes memories return to me with uncanny clarity. It is not just the clarity that strikes me. More often I wonder why certain memories return to me so long after the event. After all, of all the things I have experienced in my life, why would one day's details suddenly reemerge? What triggered it? And then a more vexing thought crosses my mind: As clear as my memory seems to me, perhaps reality was very different from what I remember? Who can say now? That is one reason why memory fascinates me so much. It is exquisitely subjective. It seems real, but only to ourselves.

I got up this morning and suddenly remembered December 31, 1999. On that day, I worked from morning to night and beyond. Back then, I was a 22-year-old kid with a "bowl haircut" and a jean jacket. I wore ripped $30 pants for days at a time. I was a college senior who memorized Nietzsche quotes without fully comprehending them. I basically had no money; my mother gave me about $20 a week to spend. So starting in 1997 I worked as a DJ to make a few extra bucks. Much to my good fortune, I met a much older guy named Joe who had been DJ'ing parties around the city for decades. He used to tell me stories about going home with women after disco parties in the 1970s. He was a Vietnam veteran and--to be kind--rather eccentric. He lived alone in a food-strewn apartment on 122nd Street brimming with records and 5 or 6 yappy Chihuahuas (one or two died over the years; but a few more were born, so I can't remember the exact number). Basically, the place was squalid. But somehow Joe kept getting gigs and holding his life together really well. He kept a zillion post-it notes all over his bedroom to remind him to do this and that each day--and he always got it done. For years, we worked really well together. He farmed me out to jobs he couldn't do and I gave him a cut of what I made. Plus we became really good friends.

Both Joe and I knew that New Year's Eve on Y2K would be a gangbuster night for DJ's. After all, everyone was partying that night. Some people thought the world was going to end. I knew it wouldn't. But it was an unprecedented atmosphere. And most importantly, entertainers like us were in demand that night. So we could charge huge fees and we knew people would pay. We could name our price for a change.

Joe wound up scheduling a $2000 job. At the same time, he booked me a job for $1800. We agreed I would get $1500. He would take a $300 commission. That seemed fair to me; in fact, I was thrilled. For a kid who wore torn pants and got $20 a week to spend, $1500 was a treasure trove. I could live the whole semester on that--and all for just one night's work.

I remember the job exactly. We did it in a brand new loft apartment on 21st Street near 6th Avenue. Some nouveau riche woman and her husband were throwing a party. Joe and I drove down to the apartment the morning before the gig to set up. Joe drove a virtually unroadworthy mid-80s Chevy station wagon. It had no muffler and a pretty disgusting, food-like crust clung like a glaze all over the interior. The car had roaches. And Joe stuffed in so many speakers, wires, amps and record crates into it that I was amazed the bumper didn't scrape the pavement as we drove. In short, despite all appearances, Joe was a master of limited space management. The cops never pulled the jalopy over, either.

I remember schlepping all our equipment two flights up to the apartment. The woman and her husband were frantically decorating the place and setting up long tables for the hors d'oeuvres. I had a few words with her. She said she liked hip-hop and R&B. I said that was great because "that was my specialty." She seemed to like me. She didn't seem to like Joe too much, though. After all, at first glance he looked really gruff and he spent his time hauling speakers and wires all over the place. He was always polite and even charming. But he just didn't look the part. Some customers really used to treat him badly, and that hurt me.

After we set up the equipment, Joe and I sat in the car for a few minutes and talked about the plan for the evening. I would show up at the gig and do my thing. He would go to his gig and do his. Then he would pick me up from my gig and I would give him his cut. We would drive back uptown together and call it a night around 4 AM. It was a good plan. We then went our separate ways.

I remember the party went very smoothly. I got to play the music I wanted. The crowd was easy and did not complain. My DJ station faced east; the crowd looked west out the windows over 6th Avenue. Joe set up the lights and I controlled them with a little hand console. It took a while for the alcohol to get the party moving; eventually it did. I started off playing 70s funk and rare grooves. That gave a nice ambiance to the early part. Later, people started asking me to play hip-hop and assorted Top Ten pop. I obliged. I remember one Asian chick kept asking me to play Lauren Hill's "That Thing" over and over again. That tune always generated a huge crowd response, so I waited to play it until the place was really hopping. I kept telling her "it was in the pipe." She never quarreled with me; she just kept going back to her friends and dancing.

Before midnight, nervous excitement came over the room. People started wondering aloud whether the world would end at 12:01. I remember people throwing their drinks and hooting in the minutes leading up to midnight. I also remember looking outside and seeing helicopters flying low over the city with spotlights on. There was a lot of honking and yelling on the street below. I could hear it even over the music. Finally, 12:01 came. Nothing happened. A huge cheer went up on the dancefloor. Then the party went into overdrive. "Hypnotize," "Walking on the Sun" and "Backstreet's Back" were particularly popular that night. Oh, and of course "Groove is in the Heart" and "It Takes Two" made everyone move, too, even otherwise respectable-looking bourgeois with jobs: I always laughed when I saw white bankers singing along to rap songs. But by that point at the party, the alcohol was guaranteed to make everyone dance, no matter what was playing. Even so, as a DJ, I felt like I had accomplished something. Lots of drunk, happy people profusely thanked me for "all the great tunes" as the evening approached its end. It was always a nice perk to get compliments, even if the partygoers were fall-down drunk and virtually incoherent.

At about 3 AM, Joe showed up from his party. People had already started to leave. Beer and broken plastic cups littered the dancefloor, along with squashed finger foods and dirty napkins. Everyone was shouting, hugging, hooting, caressing and laughing. The mood was very good. Almost all the food was gone and the wine was running low. Joe went over to the hostess and whispered to her. She then came over to me and told me it was OK to start wrapping up.

Within 30 minutes, almost everyone had left and I stopped the music. The house lights came up. Joe started breaking down the lights and sound equipment. I chatted with the hostess for a while. She complimented me in the highest terms, even though she was utterly shitfaced. I still felt like I had done a good job; for my part, I did not touch a drink that evening. I had a few Sprites and some ice water. Finally, the hostess pulled out an enormous wad of $20 bills and handed it to me. I thanked her. She went away and I started helping Joe move all our stuff downstairs. Meanwhile, the hostess and her husband started brushing trash off the floor with two big push brooms.

It took us a good 30 minutes to haul all our stuff downstairs. We loaded it into the car and--once again--got it all to fit. After that, Joe and I shook hands and congratulated each other on a job well done. I handed him his $300 commission. Then he headed back uptown and he dropped me off at my dorm on 114th Street and Riverside. I wished Joe a happy new year and thanked him for being so generous to me. He said no problem and drove off into the predawn darkness.

I went upstairs to my room on the fourth floor. There was no way I could sleep after the night's toils. It was about quarter to five in the morning, January 1, 2000. I walked over to my single-size mattress. I took the enormous cash wad from my pocket and laid all the money out on the bedspread. I was in awe: $1500 in cash, all for me. I never thought I could ever make that much in one night. It was unbelievable. What a way to start the new year, the new decade, the new millennium. I felt like life could not get any better than this. I even felt that time had suddenly stopped, as if I could never get older, that this moment would last forever. After all, it was the year 2000! To that point in my life--indeed, in everyone's life--it had always been the 20th Century. I couldn't really fathom that life would go on as it always did. On that night, time froze as I sat there ogling my massive money pile. For a few hours, I felt utterly invincible. I felt that I controlled time and that I would never age.

I was hungry. I went out to get some food at Tom's Diner. It was extremely quiet. All the partying was over. A few stragglers appeared here and there, but that was it. I saw a few "2000" party eyeglasses in a trash can. It was still dark. As I headed down Broadway, a New York Times truck pulled up and a man tossed out the morning edition. I bought one. It had an unforgettably bold headline: 1/1/00. Underneath, in typeface almost as big, was a headline saying that Russia's President Yeltsin had resigned. A new man, Putin, was taking over.

Wow, I thought, everything was looking up! It was a fresh new morning in a fresh new millennium. I had $1500 in cash and there was a new Russian President. One era ended. Another was dawning. Time stood still and I was in control.

Then I went to Tom's and ordered a shake and fries. I stayed there for a while. I let myself get tired. Finally, I headed back to my dorm to go to sleep. It was dawning. Time for bed. It was a good night.

I still have never made that much money in one night as I did on January 1, 2000. I think that's why I remember it so vividly. It felt really good.

Too bad life got harder after that. But on that night, I didn't think anything could ever go wrong.