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“Congressman Frank and Senator Dodd wanted the government to push financial institutions to lend to people they would not lend to otherwise, because of the risk of default. ... The idea that politicians can assess risks better than people who have spent their whole careers assessing risks should have been so obviously absurd that no one would take it seriously.”

PeopleShouldHas BeensIdeasWholeGovernmentWantedPoliticalCareersRiskPoliticianShould HaveInstitutionsFinancialAbsurdFrankSenatorsShould Have BeenDefaultCongressmanFinancial InstitutionsAssessing
Author:Thomas Sowell
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“I wish more fantasy, especially the dominant fantasy that draws heavily on British and Christian lore, would wrestle with its own ethnospecific nature and what that means when the story is set somewhere where more than one belief system is in operation. If all you do is pay lip service to it, you can get the kind of thing where the writer has thrown one Hindu god into a Christianist fantasy (rendering said god by default a demon or otherwise inferior to the dominant religious system of the story, which is such an insult), and the hero is able to vanquish it by chanting a spell in church Latin.”

IfsKindMeanSaidStoriesAbleChristianBeliefWishChurchReligiousPayFantasyHeroDrawsLipsBritishOperationsDemonInsultThrownLatinSpellsInferiorsDominantDefaultBelief SystemsRenderingChantingLip ServiceVanquishHindu God
Author:Nalo Hopkinson
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“The fact is that we have been consistent in a predictable 60-year commitment to national security, while our friends and former enemies - by intent or default - have followed different paths since 1989. We stayed mostly the same as they became hypopowers that, to take a small example, would and could do nothing should a madman in Korea wish to kill millions.”

ShouldYearsHas BeensDifferentFactsWishEnemyMillionsPathSecurityExampleCommitmentFormerConsistentNational SecurityKoreaPredictableMadmenDefaultDifferent Paths
Author:Victor Davis Hanson
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“Given our abundance, the burden of proof should always be on keeping, not giving. Why would you not give? We err by beginning with the assumption that we should keep or spend the money God entrusts to us. Giving should be the default choice. Unless there is a compelling reason to spend it or keep it, we should give it.”

GivingShouldReasonChoicesGivenBurdenProofAssumptionAbundanceCompellingDefaultBurden Of ProofCompelling Reason
Book:Money, Possessions, and Eternity
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“All things are created twice. There is a mental (first) creation, and a physical (second) creation. The physical creation follows the mental, just as a building follows a blueprint. If you don't make a conscious effort to visualize who you are and what you want in life, then you empower other people and circumstances to shape you and your life by default.”

PeopleIfsWantFirstsDreamEffortCreationBuildingCircumstancesShapesConsciousAll ThingsWho You AreWhat You WantEmpoweringDefaultBlueprints
Author:Stephen Covey
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“Our first idea is a grand opening, a big launch, a press release, or major media coverage. We default to thinking we need an advertising budget. Our delusion is that we should be Transformers and not The Blair Witch Project.”

ThinkingNeedsShouldFirstsIdeasBigsGrowthMediaProjectsMajorsPressesOpeningAdvertisingReleaseBudgetsDelusionWitchCoverageDefaultBlairPress ReleaseMedia Coverage
Book:Growth Hacker Marketing: A Primer on the Future of PR, Marketing, and Advertising (APenguin Special from Portfolio)
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“All things are created twice, but not all first creations are by conscious design. In our personal lives, if we do not develop our own self-awareness and become responsible for first creations, we empower other people and circumstances outside our Circle of Influence to shape much of our lives by default. We reactively live the scripts handed to us by family, associates, other people's agendas, the pressures of circumstance - scripts from our earlier years, from our training, our conditioning.”

PeopleIfsYearsFirstsSelfValuesVisionOur LivesInfluenceAwarenessDesignCreationCircumstancesShapesTrainingConsciousAll ThingsPressureResponsibleSelf AwarenessScriptsCirclesEmpoweringAgendasLive ByAssociatesPersonal LifeConditioningDefaultCircle Of Influence
Author:Stephen Covey
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“Thus a long term corporate bond could actually be sold to three separate persons. One would supply the money for the bond; one would bear the interest rate risk, and one would bear the risk of default. The last two would not have to put up any capital for the bond, though they might have to post some sort of collateral.”

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Author:Fischer Black
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“Time is running out fast. I think we have maybe a few months -- it could be weeks, it could be days -- before there is a material risk of a fundamentally unnecessary default by a country like Spain or Italy which would be a financial catastrophe dragging the European banking system and North America with it. So they have to act now.”

ThinkingCountryWould BeRunningAmericaRiskWeekMaterialsMonthsFinancialUnnecessaryCatastropheBankingSpainDefaultNorth AmericaBanking SystemTime Is Running OutTime Running Out
Author:Willem Buiter
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“The way of the Essentialist means living by design, not by default. Instead of making choices reactively, the Essentialist deliberately distinguishes the vital few from the trivial many, eliminates the non-essentials, and then removes obstacles so the essential things have clear, smooth passage. In other words, Essentialism is a disciplined, systematic approach for determining where our highest point of contribution lies, then making execution of those things almost effortless.”

WayMeanLyingChoicesClearDesignEssentialsApproachHighestObstaclesContributionRemovePassagesExecutionSmoothSystematicDefaultEffortlessMaking Choices
Author:Greg McKeown
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“We are all born free from all religious affiliations and only come to believe in such things after being introduced to it ― so, atheism is the default position. Although some children are not indoctrinated with a specific religion before the age of reason, there are many more who are.”

BelieveChildrenReasonAgeBornReligiousAtheismPositionDefaultAffiliationAge Of ReasonBorn Free
Book:Mom, Dad, I'm an Atheist - The Guide to Coming Out as a Non-Believer
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“To do that they, the NSA specifically, targets the communications of everyone. It ingests them by default. It collects them in its system and it filters them and it analyses them and it measures them and it stores them for periods of time simply because that's the easiest, most efficient, and most valuable way to achieve these ends. So while they may be intending to target someone associated with a foreign government or someone they suspect of terrorism, they're collecting you're communications to do so.”

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Author:Edward Snowden
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“When you’re living by default, you’re automatically reacting to life in habitual ways, many of which may be limiting you and your life. In contrast, living deliberately means making more conscious and constructive life choices. When you’re living deliberately, you’re living from a position of responsibility; you’re making choices with greater awareness. You’re taken yourself off autopilot, so you’re better prepared to align your actions with the results you want to achieve.”

WayWantMayMeanActionChoicesResultsResponsibilityTakenGreaterAchieveAwarenessPositionConsciousPreparedContrastConstructiveDefaultHabitualReactingLife ChoicesMaking ChoicesAutopilot
Author:Lauren Mackler
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“If a fast doesn't include any sacrifices, then it's not a fast. The discomfort is where the magic happens. Life zips along, unchecked and automatic. We default to our lifestyles, enjoying our privileges tra la la, but a fast interrupts that rote trajectory. Jesus gets a fresh platform in the empty space where indulgence resided.”

IfsHappensJesusEnjoySpaceMagicSacrificeEmptyPrivilegeLifestylePlatformsDiscomfortIndulgenceDefaultEmpty SpaceTrajectoryZips
Author:Jen Hatmaker
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