The New York Times:
Years before Lisa Cook became President Trump’s latest target in his effort to exert control over the Federal Reserve, she wrote about her experience as one of a relative handful of Black women in a field long dominated by white men.
“Economics is neither a welcoming nor a supportive profession for women,” she and a colleague wrote in a New York Times opinion essay in 2019. She added, “But if economics is hostile to women, it is especially antagonistic to Black women.”
What is the overwhelming political identity of those who are hostile to women in general and Black women in particular? “Political Affiliations of Federal Reserve Economists” (2022):
According to a new analysis of voter registration data, Democrat economists at the Federal Reserve outnumber Republicans 10 to 1. The imbalance is even larger among economists in leadership positions, among younger economists, and among female economists.
Previous studies look at the political ideologies of the broader economic profession. For instance, Langbert, Quain, and Klein (2016) report that Democrats outnumber Republicans 4.5:1 among economics faculty at 40 leading universities. In addition, Langbert (2020) finds a ratio of 4:1 among members of the American Economic Association (AEA), 4.1:1 among academic AEA members, and 2.5:1 among AEA members working outside academia and government. Earlier, Klein and Stern (2006) estimateds the ratio at 4.1:1 among public sector economists and 1.4:1 among private sector economists. McEachern (2006) shows Democrats outnumber Republicans 5.1:1 among AEA members in terms of political contributions.
I find that the ratio of Democrats to Republicans among Fed economists is 10.4 to 1. The lack of political diversity is especially pronounced at the Board of Governors of the Federal Reserve System (48.5:1). Economists at regional Reserve banks range from 3:1 (Cleveland) to 12:1 (San Francisco). The lack of diversity is also noteworthy in leadership positions (22.25:1). Economists who are 40 years old or younger at the Fed are more likely to lean left (20.33:1), as are female economists (27.5:1). This suggests the Fed is likely to become even less politically diverse in time.
We are informed that if Republicans were eliminated (liquidated?) the U.S. would become a paradise of diversity, equity, and inclusion. Yet it seems that the discrimination that has kept and continues to keep qualified Black women from assuming leadership positions at the Fed has been almost entirely perpetrated by Democrats.
Sorry Phil, I’m gonna skip the NYT article, not falling for that again. Someone has sure eliminated/liquidated most of the Buckley-ites. (Puns intended.) I wonder if the National Review is still available in sustainable paper.
Funny story, the director emeritus of the Columbia/Princeton Electronic Music Center was in a punk band called Dow Jones and the Industrials:
https://en.wikipedia.org/wiki/Dow_Jones_and_the_Industrials
MIT had Tom Scholz, Columbia had Brad Garton.
I have the impression from your writing that you have some interest in avoiding solecisms, so I hope you don’t mind if I point out that the correct adjective for a member of the Democratic party is “Democratic” (in other words, your headline is not up to your usually admirable grammatical standards).
I do love to cling to obsolete English usage standards, e.g., “whom”. That said, I do think the evolving standard of “Democrat” versus “democratic” is superior to “Democratic” versus “democratic”. Under the old standard, two radically different words differ only in capitalization, which itself has lost significance for the text message generations. We are informed on a daily basis about threats to “democracy” and “democratic standards”. So it is more important than it was in the 1960s to have different words to distinguish between (1) questions about how voting gets done (“democratic”), and (2) advocacy for gender affirming surgery on teenagers, open borders, expanded public housing, etc. (“Democrat”).
Lee, great point. Phil definitely has it wrong. The correct term would be Leftist.
Dr. Jill: I reject the terms “Left” and “Right” as applied to U.S. politicians because they imply coherent systems of political philosophy!
Much as left-brained/right-brained presupposes anyone even has half a brain anymore, especially politicians.
Phil, just because you reject Leftism doesn’t make it RIGHT.
Assuming there is no Trump #3, anyone else think we should run “Dr.” Jill B., EdD (D) vs. Dr. Phil G., PhD (R) in ’28? “Put a Scientist in the White House!” could be their shared slogan.
#AnonymousToo, bless your soul for the kind endorsement. That said, the race would be very unfair to Phil. Just read the first paragraph of my doctoral dissertation and also Phil’s and you will see that my mathematical IQ is off the charts relative to Phil, and that is just the beginning. Also, think of the dream team of #science that I will have: Mister Anthony Fauci (saved the world from a nasty virus developed by China in conjunction with a rogue NGO in the U.S.), Dr. Albert Gore (inventor of not only the internet, but also Climate Science), Mister Hunter Biden (the smartest man in the world). And, almost forgot my Dear Joey! Thank your for your attention to this matter.
Hi,
https://www.proquest.com/docview/304859163
> Four areas of interest are studied: academic, social, pscyhological, and physical.
Check. That is 4 by my count, and the only math I found on the first page of your critical work on retaining students at Greendale Community College, including Jeff Winger and Pierce Hawthorne.
Dr. Greenspun’s doesn’t contain a lot of math, but documents his invention of the Internet (which is what your are now using) before Al Gore, climatologist. His IQ and emotional quotient are so high they cannot be measured, which isn’t fair to you.
> Thank your for your attention to this matter.
I was in the White House on a public tour, with a ticket obtained by a nepotistic uncle (not gay) when Gerald Ford was in office–way before you ever reimagined it–I liked the curtains better. Have you thought about Lisa C. as your V.P.? You apparently already share the same publicist. Have a good Presidential campaign, and keep all punches above the waist.
ChatGOP summarizes, and likes you both–your online chemistry *is* palpible:
> Both candidates bring unique strengths and challenges to the table for the 2028 election. Greenspun’s innovative mindset could attract a tech-savvy electorate, while Jill Biden’s experience and advocacy may appeal to those prioritizing social issues. The election landscape will ultimately depend on how these factors resonate with voters as the election date approaches.
Jill, my choice is close–I know your EdD work was done at a top school, Never Herd of U. Phil’s work was signed off by Dr. Winston [in all seriousness, one of the greats] at a slightly better institution, IMO, so my tentative endorsement is to him. I live in a purple state, so my vote counts.
https://www.mathgenealogy.org/id.php?id=61109
—-
Who.i.am.not
I do not use social media. For a time, there was a fraudulent Facebook page with my picture and other material that attempted to deceive. Now I have a defensive Facebook page saying that I do not use Facebook or other social media.
Why do imposters do what they do? Some may be psychotic. Many are criminals attempting to extract personal information from “friends” via a form of so-called spear phishing.
— Dr. Patrick Henry Winston
#AnonymousToo, big apologies for not referencing the correct section of my dissertation that highlights my mathematical IQ: it’s on page #2: “In an average-sized class of twenty students at Delaware Tech…Three quarters of the class will be Caucasian; one quarter of the class will be African American; one seat will hold a Latino; and the remaining seats will be filled with students of Asian descent or non-resident aliens.” Now, sometimes folks overlook the fact that the total of the folks in the typical Delaware Tech class added up to more than 100%, but at the time that I made this discovery it was ground breaking.
Also, on page #13, I invented a new type of percentage calculation that set the mathematics world on fire: “By 1963, public and private two year head- count enrollment stood at 850,361. By 1980, enrollment had grown to 4,526,287 . . . approximately a 230 percent increase in student attendance.”
Thank you so much for your attention to this matter.
Hi Jill, point made.
Averages? Percentages? Way above my head [insert Trump joke here]. When we start getting beyond simple concepts like calculus on manifolds and differential geometry, my head spins. Next you are going to be talking about “cohorts” like the experts on NPR.
“I like Phil, not Jill, 2028!”
Phil, I just wanted to say thank you much for helping to dispel all the bad press about me in recent days. A couple other thoughts: I did plagiarize a substantial amount of my academic work, but not nearly as much as Claudine Gay; that should count for something, no? And, while I may be a DEI hire, at least I didn’t claim to be a Native American, as did Pocahontas Warren. And, lastly, who doesn’t want a discounted mortgage rate on their multiple vacation homes?
You’re welcome, Prof. Dr. Cook, Ph.D. I salute you for having the energy to maintain more than one house!
Hi L.C.,
Welcome. I think you’ll find this is an inclusive web-site. I’m crazy as a loon (neuroatypical if we must use labels) and have trust issues, and they just talk around me–doesn’t matter–I’m really happy to see people talking civilly on the Internet again.
Note: I don’t like the word “plagarism”, a better term is “non-attributed syncretistic appropriation”. Best wishes.
P.S.
I wouldn’t say no if you wanted me to house sit one of those vacay places. DM me if there is one near Stuart, FL. Bye.
Phil and Trust No. 1, there will forever be a kernel of goodness in my lying soul for each of you! May Karl Marx bestow blessings on both of you. Thank you for your attention to this matter.
I recently discovered you and your blog, as I was doing some investigation of computer science and internet history, what with you being a Professor of Electrical Engineering and Computer Science at MIT and having developed one of the first online communities and one of the first blogs. Just throwing that out there by way of introduction of why I ended up here.
I was thinking maybe I might find a blog mostly about eecs, or maybe aviation since that has been another career for you. Of course, anyone can blog about anything.
That said, while I think it is valid to point out the hypocrisy of Dems on many issues, I wonder, does this current Presidential Administration and Congress appear to be doing good things for black people? You call out Dem-aligned economists (I suspect the vast majority are Economists first and Dems second, and may perhaps not be entirely representative in their professional and personal conduct of Dems as a whole, but I may be wrong).
But what about the President who is trying to fire her for. . . well, he claims mortgage fraud (oh the irony), but it’s not clear she committed mortgage fraud. I will keep an eye on the story as it develops, but what I’ve seen so far is that she filled out applications for two loans claiming she was obtaining the loans for a primary residence in both cases.
Without more information, this doesn’t really prove fraud, does it? If someone owns zero houses, and is house shopping, and is considering buying one house but has multiple candidates, would it not be completely valid, and non-fraudulent to submit multiple applications? An application does not complete the loan. So long as you only TAKE out one loan for a primary residence, it seems to me it’s perfectly non-fraudulent to submit perhaps dozens of applications.
Why? Some applications might get rejected. Some might offer terms that you can’t afford. Some properties you were interested in buying may end up not being buyable (e.g. an inspector finds serious problems with the property and you back out so you don’t buy a lemon).
I’ve not yet bought a home, so perhaps I misunderstand something about the mortgage application process, but, at first glance, it doesn’t sound like what they allege, even if true, amounts to fraud? And yet, Trump is trying to fire her over it. With no due process. No grand jury, no trial, no petite jury. No Congressional inquiry, and no impeachment by Congress.
Doesn’t that strike you as problematic too? Yes, I agree the male Dem Economists are very problematic, based on what she has said.
So, if you agree that we have a Diversity, Equity, and Inclusion problem in the US, especially in Academia and Professional contexts, why support the party that is trying to eliminate all DEI programs, while constantly attacking the Party that may have been hypocritical, but was also trying to support the people trying to address the issue?
Is the current administration doing good things for Black Americans? Harvard economists found that closing the border to low-skill migrants results in enormous benefits to Blacks by stopping immigration-driven unemployment and incarceration. See https://www.nber.org/digest/may07/effects-immigration-african-american-employment-and-incarceration
“For white men, an immigration boost of 10 percent caused their employment rate to fall just 0.7 percentage points; for black men, it fell 2.4 percentage points. … For white men, a 10 percent rise in immigration appeared to cause a 0.1 percentage point increase in the incarceration rate for white men. But for black men, it meant a nearly 1 percentage-point rise. Why would a boost in immigration effectively put more men, especially black men, behind bars? The authors put forward a straightforward theory: immigration causes wages and employment to fall for black workers.”
If the Harvard economists who wrote the above are correct the Trump administration is the most Black-friendly administration since the 1950s (U.S. borders were opened to low-skill migrants by JFK/Johnson and the heavy flow began in 1965; see https://www.pewresearch.org/race-and-ethnicity/2015/09/28/modern-immigration-wave-brings-59-million-to-u-s-driving-population-growth-and-change-through-2065/ ).
Found some more coverage, and it sounds the allegation isn’t that she just made applications, but actually accepted the loans, and possibly something I missed previously was that when she submitted the two applications, she allegedly already owned one home in Michigan, possibly.
It’s not real clear though, if that is the nature of the allegations or not from what I’ve read so far, but will keep digging. In any case, it seems to me she is entitled to some sort of due process.
LBR: I didn’t mean to express an opinion on whether Lisa Cook should keep her job. The original post is about the combination of (1) the expressed opinions of Ms. Cook and the NYT (reporting prejudice within economics as fact), (2) the fact that nearly all of the people accused of bias/prejudice at Democrats, and (3) the tendency of Democrats to say that they are working to help Black Americans. (I haven’t studied her mortgage applications, in other words.)
LiveByReason, Oops, I think I lied…twice…(or I’m really low IQ)…and took both loans fraudulently:
https://x.com/VanScheurich/status/1960364670214156383/photo/1
@LiveByReason
Hi,
Welcome, and thank you for your polite comment. One thing to keep in mind is that the troublemaker commenters (like myself) don’t really reflect on Phil. He is quite liberal in his acceptance of comments, if not his politics (not sure about what crazy stuff is blocked that I don’t see, not a moderator myself).
I’ve been reading his blog for, what? 20 years? I don’t comment much, maybe at times in bursts. I posted elsewhere here that I identify as a:
> cis-hetero-XY-non-GMO-WASP-tradhusband, identifying as a G for Greta
[I forgot 58 times around the sun, binary and statically gendered, unless those are included by mathematical transitivity–my head spins when I try to understand the neo-gender theory stuff]
There just aren’t that many places that aren’t hard-core manosphere or womynosphere or pure outrage. Twitter, Reddit, etc. are dumpster fires of humanity and horror-of-the-commons run by packs of organized downvoters and quirky billionaires. I always read the “E” in DEI as exclusion–maybe I should not feel included since my white ancestors were so horrible? He has let you comment, keep in mind, and be critical. Regarding Lisa Cook, she was installed by Democrats, correct?–which is fodder for Trump, for the record we old-school William F. Buckley-ites can’t figure out what his Orange Source of Truth is either–Florida oranges?
There are a lot of good ideas on here (check out his archives)–he invented a smartphone ecosystem on here back before the iPhone, IIRC. Part of the problem is that people are so triggered on both sides, they can’t use reason to guide themselves. The site has changed, obviously, as we all do over time. My opinion is that he is generous to share things he has been thinking about in such detail. His photography is interesting and world-class. I really wish there would be more pictures of grammas in Cessna 172s buzzing his ocean fishing trips which annoy him so much, and less snark on rainbow culture.
But, I’m isolated here in Trump-land, don’t travel much anymore, and starting to read his blog again recently has opened my eyes to just how far out of hand that is gotten. Most of the black, gay, trans, etc. people I have known seem like they would just like to be treated like normal people–this rainbow-on-parade stuff is motivated by something other than integration, IMO. Some of us have religious and moral convictions which make us recoil when we read titles on public library shelves like “Boys: Learn to Be a Girl in 24 days”. (I read “Boys Life” and “Horton Hears a Who” and I’m quite well-adjusted.) Of course, you are free to disagree, this is a free? country, or should be.
I mean what are you supposed to do with stuff like NPR guests who sound like Paris Hilton baby-girls being addressed as “professor”, on a probably NSF-funded study that liberals have done that actually show boys and girls are different, and have different classroom environment needs. I thought “boys” and “girls” were labels, and fluid, and meaningless, and…
Notice that when Phil does criticise the rainbow and neo-liberal crowd, that what you are looking at are real sources and genuine questions presented side-by-side, including 8×10 glossy photos and pie charts, asking you *what you think*–NOT “Old white guys of the world, unite.” [1]
Thank you for your thoughts, and have a great day!
[1] Paraphrasing the end of “The Communist Manifesto”, anyone else read that damn thing? I’ve read it maybe 50 times, and I probably would have worded the ending differently.
DJ: I hope that it doesn’t seem as though I’m criticizing members of the 2SLGBTQQIA+ community (if that’s what you meant by “the rainbow crowd”). It doesn’t bother me to see a rainbow flag on a gay bar in West Palm Beach, for example. I object to white cisgender heterosexuals in all-white all-cisgender all-heterosexual suburbs flying the rainbow flag (traditional or Biden-style trans-enhanced) and then claiming to have accomplished something in the direction of social justice. See
https://philip.greenspun.com/blog/2019/08/20/is-lgbtqia-the-most-popular-social-justice-cause-because-it-does-not-require-giving-money/
@philg
> when Phil does criticise the rainbow and neo-liberal crowd
Sorry, man, I meant “when Phil appears to seemingly criticise the glorious, progressive people on the side of truth”. I had a long day laying RR ties for Amtrack, my PC level wanes.
I actually do criticise the “truck-nut crowd” here in Trump-land. (Do Not Google “Truck Nuts”.) As maddening as the rainbow crowd.
@LisaCook
Hi Leese-Leese,
More fibbing? This just off the wire:
https://www.bloomberg.com/news/articles/2025-08-29/pulte-ups-cook-scrutiny-with-criminal-referral-on-third-mortgage
If you are indicted, I wouldn’t mind house sitting for you next June – July in Michigan. I only own one home (really a shack), but it is paid for like my ’99 Ford Ranger. Or if it is really underwater, I might be able to give you a deal in cash. Call me.
(My wife loves the curtain wrap you are wearing–just leave it in the Michigan house back on its curtain rod. Bye.)
In a little less satirical vein, I too did some digging…my theory is that it is really about Trump, with equal racial opportunity, wanting his own Fed picks to help lower interest rates, with some synergy with Mr. Pulte. Was this an affirmative action, trying to get rid of a white man?
https://en.wikipedia.org/wiki/Jerome_Powell#Trump_conflict
I once had a job where the bosses were trying to get rid of me, as part of their outsourcing scheme. They went to all my internal customers gathering dirt. The key is not to be dirty, if at all possible. I did end up leaving after a campaign of harassment (being a short man is one of last unexplored areas of open, oppressive discrimination–see the 6-6-6 rule in online dating–my boss called me a “Little F-er” in a meeting and the female HR “ombudsman” was OK with that). I just went down the street and got a 20% raise–I didn’t have privileged tenure and a labor lawyer would have laughed. Not the only time I haven’t had access to a lawyer, as a privileged white male.
Maybe it’s just a bonus to him that Trump gets rid of a black woman, more likely he could give-a-crap-less, and Demi-crats get their outrage…I do have some experience in how things work, despite reports from former bosses to the contrary. I expect Lisa Cook, our pawn-in-question, will get more due process than I did, by you know, having a lawyer. Achieving equity in power brings all kinds of new and interesting obligations, responsibilities, and pesky scrutiny.
Signing off.
Yes, I am not very bright, which is why I plagiarized most of my academic research and yes, I lied and committed fraud on three mortgage applications and yes, I misrepresented my academic credentials saying I was a macroeconomist even though I have never published anything on this subject, and yes I did join a bunch of Leftists as part of an effort to remove University of Chicago economist Harald Uhlig for his opposition to the “defund the police” movement in 2020. Some might call this bad behavior or criminal, but I call it Entitlement.
Thank you, Lisa. Diverse perspectives lead to better decision-making in organizations, according to Harvard Business School. Therefore, it is enough to identify as a trailblazing Black woman. There is no need to know anything about macroeconomics in order to make decisions regarding macroeconomics.
Phil, thank you. Your citation of research from Harvard Business School is very appropriate because I’m almost certain it was authored by the inimitable Claude Gay, the towering academic who also leads that Great University (yes, another Trailblazer).
@philg: “LBR: I didn’t mean to express an opinion on whether Lisa Cook should keep her job”
Just to clarify, I wasn’t saying you did express such an opinion. You did not, and I did not think you did. It’s just as I was discussing her, I thought it relevant to discuss the matter. Clearly your comments were focused not on the merits of her case, but on the Dem Economists.
> Clearly your comments were focused not on the merits of her case, but on the Dem Economists
Um, to me, that’s clear from reading the title:
Democrat economists hate Black women (NYT)
What case? What merits? That she’s a black woman? That isn’t a merit–it is a physical attribute.
And it is clearly satire on the Interwebs, which is no place for rational discourse anyway, IMO–when the Godwin fixed-point is now a starting point.
With all due respect, is there still a question here?
Let the court record show that # should be #AnonymousToo, due to some J4v45cr1P7 thing (I probably used an Emacs key sequence). As a public figure, I will not hide behind total anonymity.
@LiveByReason
I wasn’t trying to be mean, I just thought that was asked and answered.
@Lisa Cook
> I am not very bright
Now, now Lease-Lease–don’t be so hard on yourself, that’s the prosecutor’s job. I was hard on myself too when the IRS rejected my excuse of “Clerical error” when claiming $0 tax due, from creative deductions on my 7 vacation homes, 10 years ago. They even gave me back my micro USB Android phone sealed in a bag when I got my belongings back–so no prob there either.
> three mortgage applications
Three? They go easier on you if you tell the truth, the whole truth, and nothing but the truth–justice, including social justice, depends on these closure properties of the set of truth.
Looks like you are moving on anyway:
https://web.archive.org/web/20250826142312/https://lisadcook.net/
Are those Einstein’s field equations or Rvachev’s boundary equations on your top banner? Did you go back to Kilimanjaro and decide to be a physicist? I found another house to sit in the U.P. for next summer, no worries. Best wishes and kind regards.
@PhilG & OP
Don’t thank me, HTH, at the level of critical category theory.
To all the posters who keep switching IDs with very much every new post, you are changing identities faster than a transgender, non-binary person does! At this point, I cannot tell who’s who anymore!
Sadly, unlike some folks with remarkable “talents” and “creativity”, I don’t have the brainpower of Lisa Cook to juggle multiple primary properties or the academic skills of Claudine Gay to plagiarism my work.
As for me, I am a believer of Obama’s saying: “If you like your ID, you can keep your ID.” So I am keeping mine: “George A.”
Hi George A. (if that is your real name),
Serendipitously, it occurred to me this morning that we knew Lisa Cook (OK, honestly, I did one double take) was not real because The Real Lisa Cook has the privilege of a lawyer, and if sHe did give her permission to post here, it would be “I plead the 5th. No comment. (My new book on this injustice is coming out real soon.)”
(PG used to do Amazon reviews, back in the day, which has (had?) a “Real Name”, [TM] I think, certification. I found this out on Hacker News where people were roasting Phil about a book review of Her Majesty FB Lady. Why are people so mean to him online? Slashdot too, sheesh. Do they have a law? No.)
You may have missed my observation in the 2-level (binary) comment hierarchy on PG above:
> You apparently already share the same publicist.
meaning sHe used the same “Thank you for your attention to this matter.” in two different faux-celebrities–so I believe I already satirically addressed this. Just so you know, George, Um, fluidic anonymous ID’s are a human right, including the faux-celebrity subtype–I don’t know what rainbow color that is or what letter (the alphabet people are considering adding regular expressions, I’ve heard.) The only time it is morally incorrect to be ID fluidic is when it isn’t ironical or fails to address the issue in some humorous way.
My personal hope for progress is that Phil would either make all comments equal, or get a hierarchical comment threading system, hopefully without patriarchal colonialism. Sadly, my 10th Law is that all commenting systems eventually turn into Shangri-La Reddit, then revert to the savagery of Usenet when the liberals find the conservatives, or the girls find the boys.
The guy with trust issues addressed your point, too, above somewhere:
> Why do imposters do what they do? Some may be psychotic. Many are criminals attempting to extract personal information from “friends” via a form of so-called spear phishing.
> — Dr. Patrick Henry Winston
I hope this helps. I keep changing identities because Becky keeps Internet stalking me, and eventually catches on, then posts my cute yet horrid middle school nickname in fluidly changing codes. Internet etiquette usually requires that We not directly address the meaning of our ID, however in the interest of unity–my current one means that I identify as a self-styled hacktivist crusader who is woke to the plight of GenX technophobes. Sometimes I use Emacs key sequences and that ID mutates a little. Thank you for your attention to this matter. (Just kidding.)
Sincerely yours,
Anonymous Too, III
P.S.
“Saying ‘Hi!’ in an Internet chatroom or forum is considered bad etiquette–they easily startle and start thinking someone knows them IRL. I think Napolean would agree.” — Emily Post, 1929
Phil, I just wanted to provide you a quick update on things since you’ve been so supportive! A nasty, racist “journalist” named Chris Brunet invaded by Equity by requesting my tenure review documents from Michigan State University and posted them to X. Yes, he did point out that the Department Chair recommended I not be granted tenure; this sad fact was unfortunately not redacted properly on page 1 as the X mark for “do not reappoint” is legible to the left of the redaction…clearly attributable to another racist at MSU! That said, the Dean DID support my reappointment!! Just goes to show that there is Equity for overachievers like myself!
https://x.com/chrisbrunet
rive.google.com/file/d/1qLE8AQMKNpaRdvQo-__gfdu8umyoDThb/view?usp=sharing
@LC
Phil, most likely, has forgotten who you are. (Are you any relation to Tim?) The “Tenure with Double Secret Probation” was missed in the redaction.
Also, please release your mortgage documents, and learn how to post a link.
—
“Fat, drunk, and stupid is no way to go through life, son.” — Animal House