zenpundit.com

[ by Charles Cameron — cross posted from Infocult ]

For your ghoulish winter entertainment…

[ by Charles Cameron ]

It’s a very different approach…

I’ve been preparing to write up some of the episodes that represent how warm and close relations between Muslims and Christians can at times be – the meeting of St Francis with the Sultan Malik al-Kamil, the period of considerable tolerance and artistic flourishing under Umayyad rule in Cordoba – and I have to say I’m getting very impatient to see this film:

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If you would like to understand why the Qur’an (5:82) says:

The nearest to the faithful are those who say “We are Christians. That is because there are priests and monks among them and because they are free of pride.”

May I recommend you either read John Kiser’s The Monks of Tibhirine: Faith. Love and Terror in Algeria — or, when it opens in your part of the world, go see Of Gods and Men. Or both.

Wishing us all peace in the new year, decade, century…

I have too many books that I have read that I would like to review that, realistically, I will never get to post on in conventional fashion. A fair number belong with Summer Series which seems ridiculous as it is two weeks to Christmas! Therefore, brace yourselves, as I commence the first, and hopefully only, Mini-Reviews post:

Play: How It Shapes the Brain, Opens the Imagination, and Invigorates the Soul by Stuart Brown, MD

Dr. Stuart Brown, scientist and psychiatrist, has written a short tome on the nature and cognitive value of play. While there is plenty of child social development information and “pop”self-helpish type chapters, ZP readers wil gravitate to the chapters on play’s vital role in creaivity and innovation ( which are not the same thing), scientific discovery and work. Also of interest are the spectrum of “play personalities” and the “dark side of play”. Not an academic book but a reasonable read on a deceptively complex subject.

The Collapse of Complex Societies by Joseph Tainter

A superb academic book, previously featured and reviewed in the blogosphere by John Robb and Joseph Fouche, The Collapse of Complex Societies embarks upon a critical examination and partial de-bunking of theories that purport to explain the “sudden” fall of great empires, such as Rome or the vanishing of the Mayans. With caveats, Tainter settles on declining marginal returns from increasing societal investment in complexity as a rough proximate cause capable of subsuming a ” significant range of human behavior, and a number of social theories” under it’s rubric. Highly recommended.

The Bin Ladens: An Arabian Family in the American Century by Steve Coll

A biography of the Bin Laden family, this book does not come close to matching the impact or importance of Coll’s previous instant classic, Ghost Wars. There are many interesting trivialities about the divergences between the “religious and the hard Rock Cafe wings” of the Bin Laden families, and intriguing nuggets about political matters such as the 1979 takeover of the Grand Mosque and the connections between the Bin Ladens and elite figures inside the beltway but anyone looking for insight into Osama bin Laden will be disappointed. The most infamous member of Saudi Arabia’s dominant non-royal business clan is a subdued figure in this biography. Coll’s superior skills as a wordsmith and reporter manage to make the book a pleasant page turner.

The Death and Life of the Great American School System: How Testing and Choice Are Undermining Education by Diane Ravitch

Conservative education scholar and historian Diane Ravitch lays out the demise of the movement for high curricular standards in public education that she once championed and it’s transmogrification under NCLB into a punitive system that is slowly imposing an unprecedentedly narrow and dumbed down national curriculum focusing on basic math and reading skills, featuring gamed  test results, highly paid lawyer-consultant insiders and perverse incentives for public and charter schools alike. A depressing but important read.

Top Billing! The Daily Caller – TheDC OP-ED: One nation, under fraud

Tomorrow, a bank-not your bank, but any bank-could evict you from your home. Even if you didn’t know the bank was foreclosing. Even if your mortgage is paid off. Even if you never had a mortgage to begin with. Even if the bank doesn’t hold a single piece of paper that you signed. And major banks not only know this fact, but have spent millions of dollars to defend it in court. Why? The answer starts with a Jacksonville homeowner named Patrick Jeffs.

In 2007, Deutsche Bank sued Jeffs for his home, which is a necessary step in the process of foreclosing on a homeowner in the state of Florida. Curiously, despite the fact that he immediately hired a law firm to defend his property when he found out about the foreclosure, neither Jeffs nor his attorneys were at the trial. That’s because it had already happened. Deutsche won by default because Jeffs wasn’t able to travel backwards in time to attend, even though the trial featured a signed affidavit indicating that he had been served his court summons.

The only problem with the summons Jeffs supposedly received was that it had been conjured out of thin air.

In June of this year, a Florida court ruled that the document was fraudulent, as the person who was supposed to make sure Jeffs was served had mysteriously received a copy of the summons before the lawsuit had even been filed, and Jeffs never even saw the copy. The text of that ruling was posted on various financial news websites in September. The lawyers that Jeffs hired to defend his case say that fraud such as this is not uncommon. It’s a widespread problem, and it has cost countless families their homes.

“I think it’s safe to say that 95% of the foreclosure cases in Florida involve some form of fraud on the part of the bank,” David Goldman of Apple Law Firm, PLLC told The Daily Caller in a phone interview. “It’s probably closer to 99%. And the court system is helping them get away with it.”

Banksters should not only be going to prison for intentionally destroying the lives of people who are not only NOT in default on their mortgages, but have never transacted a mortgage with the institutions attempting to illegally seize their property, these guys should be made to face an angry mob composed of the people they have defrauded.

This is the Oligarchy in action. They intend to hollow this country out and move their loot offshore just like in Russia during the 1990’s

Hat tip to Ron Beasley at Newshoggers.com who also found this gem:

COUNTERPOINT ADDENDUM:

Blogfriend Fabius Maximus, who often blogs on economics, would like to offer a counterpoint and i have agreed to let him put up his perspective here and some excerpts:

  A briefing about the foreclosure fraud crisis: its origin and impacts.
 

….The real estate title system in the US is complex, with safeguards protecting debtor and creditor (for details see this by Barry Ritholz).  It’s also local (rules and data are not national).  This system worked well for generations, but collapsed during the housing boom.

• Loan volume accelerated, overloading key parts of the system.  Appraisals were often corrupted, as loan originators routed business to compliant appraisers.
• Massive securitization of mortgages ignored these constraints, and erected a pseudosystem on top of it that cheaply processed the high volume of both mortgage origination and securitization (e.g., the Mortgage Electronic Registration System – a faux version of security clearing corporations; see this explanation).  Securitization also broke the link between the originator and end owner, with many ill consequences.  Among other things, this put great pressures on the servicing firms to lower costs.
• During the RE boom years recoveries on foreclosed mortgages were zero or positive, which meant a low rate of foreclosures (homes could be sold by the owner rather than default on the mortgage).  So the institutional apparatus for foreclosures atrophied.

The the default bust hit.  Massive flow, overwhelming the system – which was never configured for such an event.  Remember, experts believed home prices never decline for more than a calendar year.  The worst scenario considered by the most experts was flat prices for 3 years.

The servicers (sometimes the bank originating the mortgage, often not) reacted by cutting corners (seethis Reuters story).  Finding the original loan documents was too expensive, so they used lost document procedures designed for extraordinary circumstances (e.g., fire, flood, or misfiling – see this at Calculated Risk and here at Reuters).  Some servicers hired law firms set up as foreclosure mills (e.g., FL), processing incredible numbers of foreclosures.  It’s not clear how, but clearly proper procedures were not followed.

As a result there have been many claims that foreclosure notices were never served (an easy way to make serving a high-margin profit center).  Employees have admitted under oath in depositions to fraudulently signing thousands of notarized affidavits.

This took place in the 23 states with judicial foreclosures only with the cooperation of Judges.  A few Judges protested when shown that their banks and their agents were committing perjury.  But the process ran smoothly for the past few years.  Now the wheels are coming off.  This might be difficult for the financial sector to conceal or mitigate, despite their de facto control over the government’s regulatory machinery.

A situation report about two headine issues – and a more serious problem

….Despite the oft-hysterical analysis, there is as yet insufficient public information about the scale of the problem.  Quite likely even key players (e.g., banks, their law firms, government regulators) lack the necessary information.  Deliberately, as all prefered to “see no evil.”  But now that the problem has erupted into the daylight, this leaves them ill-prepared to respond.  Especially as any adequate response will reveal their incompetence and malfeasance in creating the situation.  (Here are Wells Fargo’s procedures regarding creditors’ complaints; nothing available for their procedures to debtors’ complains).

Political factors, not legal or economic, probably will control the evolution of this crisis.  Hence the likelihood of modest impact to the national economy.  More than the small impact expected by Wall Street; less than expected by the increasingly rabid doomsters.   Over a longer horizon, a year or more, the economy will affect the political dynamics.  For a good analysis of the current political situation see “Congress Taking Cautious Approach with Foreclosure Mess“, American Banker, 14 October 2010.  The Republicans, as usual, eagerly support the banks – despite any violations of the law, despite the interests of the American people.

The economic impact looks to be minimal and probably less than the political effects.  New home sales are unaffected by this crisis.  The title problems are solvable.  New home finance is unaffected, and in any case are now 90% government financed or guaranteed.  Interruptions in sales of existing homes will have severe effects for those affected, but little for the overall economy (despite the massive attention to the volume of existing home sales, they have minimal economic effect).

What could change this forecast? A second dip would radically change the situation, as more links in US and global economy “unexpectedly” break.   As would a long foreclosure moratorium, although this is unlikely under the current political regime.  It could happen as part of system change, of such magnitude that the moratorium would be one of the lesser results.

Interesting news, if “Dog Bites Man” stories can be considered interesting. Not on their surface, of course, but the implications which they contain. A dog biting man story begs the question “Who owns the dog?”. Our story though is not about something as mundane as a dog but of a putative ally, Pakistan.

Report: Pakistani spy agency supports Taliban

ISLAMABAD – Pakistan’s main spy agency continues to arm and train the Taliban and is even represented on the group’s leadership council despite U.S. pressure to sever ties and billions in aid to combat the militants, said a research report released Sunday.

….But the report issued Sunday by the London School of Economics offered one of the strongest cases that assistance to the group is official ISI policy, and even extends to the highest levels of the Pakistani government.

“Pakistan’s apparent involvement in a double-game of this scale could have major geopolitical implications and could even provoke U.S. countermeasures,” said the report, which was based on interviews with Taliban commanders, former Taliban officials, Western diplomats and many others.

Here is a text of the actual report (PDF):

The Sun in The Sky: The Relationship Between The ISI and Afghan Insurgents

I wager the case therein is understated when measured against the actual reality. 

Of course, I am not surprised. a while back, I asked why Pakistan was considered an ally rather than an enemy of the United States:

The horns of our dilemma is that our long time “ally” whom we have hitched ourselves to in a grand war effort against revolutionary Islamist terrorism is not our ally at all, but a co-belligerent with our enemy. By every policy measure that matters that causes the United States – justifiably in my view – to take a tough stance against North Korea and Iran, applies in spades to Islamabad. Yet none dare call Pakistan a rogue state.

It is the elephant in our strategy room – if the elephant was a rabid and schizophrenic trained mastodon, still willing to perform simple tricks for a neverending stream of treats, even as it eyes its trainer and audience with a murderous kind of hatred. That Pakistan’s deeply corrupt elite can be “rented” to defer their ambitions, or to work at cross-purposes with Pakistan’s perceived  “interests”, is not a game-changing event. Instead, it sustains and ramps up the dysfunctional dynamic we find ourselves swimming against.

What is interesting is how broad a consensus view of Pakistani perfidy this is coming to be across the American political spectrum. Let us take two blogfriends of starkly different political coloration as examples, Pundita and Steve Hynd of Newshoggers.com. First Pundita:

Miss Pundita is an inside the Beltway blogger with expertise and interest in the financial-economic and diplomatic nuances of American national security and foreign policy. She is quite conservative, tending, IMHO, to a mix of hard-nosed realism on economic realities and neoconservatism on potential security threats. Here is what she posted on Pakistan:

British report exposes Pakistani regime’s support for Taliban terrorism (UPDATED 2 X)

However, after I finally got to read Waldman’s paper I noticed that his conclusion repeats the canard that if only the Indian Kashmir problem could be solved, this would go a long way to tamping down the Pakistan regime’s murderous rampages. In other words, he’s saying that India bears a big responsibility for the Pakistani regime’s murder and mayhem against NATO troops in Afghanistan.Readers may recall the New York Times (or maybe it was the LA Times; I’d have to check my archives) reporting last year that the CIA station chief in Kabul accused his counterpart in Islamabad of Going Native; i.e., sympathizing far too much with the Pakistani regime’s view of things.

Even Hamid Karzai’s brother noted recently that the CIA had a strange habit of trusting no one but America’s enemies; he was speaking of Pakistan.

So — and pardon my thinking aloud — I’m wondering whether Waldman’s stressing of the Kashmir issue indicates that certain factions in the CIA and/or at State are still hell bent on placating Pakistan’s military/ISI.

As a pertinent aside, it is CIA management that is most unhappy with the DoD and CENTCOM contracting out intel assignments to privately run networks to find the Taliban-AQ targets in Pakistan’s tribal belt who mysteriously always elude Pakistan’s otherwise completely ruthless intelligence apparatus when we have the CIA ask for such tactical intel.  Now for Steve:

Steve Hynd is a founding member of Newshoggers.com and one of its guiding voices. Steve is a Scotsman with a family political background in both the Scottish National Party and Scotland’s Labour Party, which puts Steve comfortably to the Left of Ralph Nader. Here’s what Steve had to say:

Report: Pakistani Intelligence (Still) Supporting Taliban

….Shocking! But only if you hadn’t read about a Spanish report in October 2008, the WaPo’s report on what US officials knew in April of this year, just about everything Afghan and Indian intelligence have ever said about the Taliban, NATO reports back in 2006 and, in fact, every bit of evidence since well before Richard Armitage threatened to bomb Pakistan back to the stone age if it didn’t play ball with Bush’s adventure in Afghanistan.

….America has painted itself into a corner. Unless it is willing to admit that its Afghanistan attempts are failed, failing and will fail then it needs Pakistan at any price to keep the occupation there going. And the domestic political costs of admitting failure are likely too great. Obama and Democrats have used Afghanistan as a shield against Republican accusations of being “soft on terror” and many within the White House and the Democratic establishment don’t want to remove that shield – no matter how much sense it may make strategically and financially – in the run-up to 2012. Republican support for Pakistan’s military has been loud and long and goes back even further. They’d be just as embarassed by an about-face.

The only folks unable to recognize Pakistan’s enmity are those drawing a paycheck from Uncle Sam. Ok, unfair. Many career officials in the military, foreign service and intelligence community, perhaps most, recognize it but this reality is not something their elected officials wish to expend any political capital to address when going along grudgingly with the status quo will not cause any damage to their careers ( Obama administration officials can’t bring themselves to breath the word “Islamist” in public, which is a worrisome sign of ideological overdrive). This is why the US has difficult constructing strategy – leadership requires assumption of risk and unpopular telling of truths before things get better.

What would I recommend? It’s actually pretty simple. Not easy, just simple.

1. Accept that Pakistan, for all intents and purposes, is an enemy of the United States for internal reasons related to domestic politics and regional ambitions and will be for some time. Begin to disengage from Islamabad’s embrace by dialing down the Afghan campaign to a level that can be supported only by air, even if it means dropping COIN for FID advisors, sponsorship of loyalist paramilitaries and selective use of air power.

2. Engage India and China in a strategic entente to contain Pakistan’s penchant for exporting various kinds reckless lunacy, from nuclear weapons technology to Islamist terrorists. Be willing to negotiate with Islamabad but inform them that bad actions – like training terrorists and sending them to the US or India – will be met with a stiff and severe military response against cherished institutions and individuals in the Pakistani state apparatus. 

3. Keep the door open to better elements in Pakistan’s society and be willing to meet positive changes by Pakistan with reciprocal gestures.  Eschew rhetorical demonization of Pakistan, pious public lecturing or empty promises (Pakistanis remember far too many of these) and concentrate on sincere actions, be they carrot or stick.

4. Expect this policy will take a long time to bear fruit and will initially spark much “rent-a-riot” rage in Pakistani streets and “testing” by Pakistan’s shadowy ISI string-pullers. Expect to have our bluff called and be ready to instantly demonstrate the utter seriousness of our change in policy with a response Pakistani leaders will rue. Things will get worse before they get any better.

Strategy involves making choices and giving up fantasies of having one’s cake and eating it too. That Pakistan is our ally in any normal sense of the word is one of those fantasies that is past the time for letting go. Pakistan’s ISI is biting us every day with each flag draped coffin that comes home from Bagram. Opposing every US goal in Afghanistan, taking our bribes does not make Pakistani leaders our friend, much less a reliable ally.

It is time to bite back.

ADDENDUM:

Dr. James Joyner gives a well-considered rebuttal to my sour analysis at The Atlantic Council:

Pakistan: Friend or Foe?

….I share their frustrations but do think it’s more complicated than whether Pakistan is our friend or enemy or the military is fighting the Taliban or helping them.  In both case, it’s a mixed bag.

First, no country is any other country’s friend.  Pakistan is on our side when it serves their interest.  Which, oddly enough, is how we’ve long dealt with Pakistan.

But Safranski is right:  I do think the report calls into question, yet again, who’s running the show in Pakistan.  The answer, generally, has been “The army, of course” but the ISI is theoretically a part of the army, which seems genuinely to be treating the Taliban as a threat.  Pakistani soldiers are killing Taliban forces in great number and dying in the process.

How do we square this circle?

Discover Dr. Joyner’s answer here.