Posts Tagged ‘affirmative action’

Women gone nuts

Friday, April 20th, 2018

The Zman asks “Why Did Women Go Nuts?

Simple. When you repress bad sexual behavior by males, and do not repress bad sexual behavior by females, you get very little bad sexual behavior by males, and a whole lot of bad sexual behavior by females.

I see women behaving as if raised by apes in the jungle.

Things are going to hell because we fail to restrain bad behavior that gets right in our faces.  Male sexual behavior in the workplace is nigh nonexistent and male heterosexual rape is nigh nonexistent, but to the extent that it exists, the man is looking for a warm wet pussy.  Female sexual behavior is different.  She is trying to disqualify males, testing as many males as possible to see if they meet her exacting requirements.  This testing is necessarily stressful, for she is stress testing men to see if they break under pressure, thus necessarily more disruptive than male sexual behavior, more damaging to workplace productivity, male cohesion, and social cooperation.

In a normal and sane society, ninety percent of fertile age women would within a few minutes of behaving as they now do, be whacked hard with a stick, like a stray dog harassing a farmer’s chickens.  And then they would stop.  Their owner would be called, and they would be hauled off on a leash.

Yet everyone around be acts like zombies and fails to notice.

It is completely obvious to me that women in the workplace continually disrupt the workplace by fitness testing attractive male co-workers, and a minor and infrequent side effect of these fitness tests, when the fitness test goes explicitly and overtly sexual, is that the woman complains, and entirely believes, she was sexually harassed.  So am I insane, or is everyone else insane?  Am I hallucinating disruptive sexual behavior right in front of my face by lusty women fitness testing every attractive male they meet to see if he has the stones to beat them and rape them, or is everyone else hallucinating chaste sexless angels persecuted by lecherous men?

Slate Star Codex recently attempted to survey co-worker sexual harassment complaints by workplace type, and reviewed existing surveys.  The major result was that the more women were outnumbered by men, (engineering, mining) the less that women experienced “sexual harassment”, and the more women outnumber men (supermarket checkout chicks, actresses) the more they experience “sexual harassment”.  These results were swiftly confirmed by subsequent work by other people, who also produced similar results for rape – or at least females complaining about “rape”.

But this only makes sense if incidents of men “raping” women and men “sexually harassing” women are generally female initiated, not male initiated, which is what I see in front of my nose, and what I see everyone else failing to see.   All workplace sexual harassment cases of males supposedly sexually harassing females, as near to all of them as makes no difference, are female initiated: It is a fitness test. The chick is looking for a coworker with the stones to beat her and rape her.

If workplace sexual harassment is male initiated, we would expect females in predominantly male workplaces to report a lot of it, in particular we would expect engineerettes and female miners to report lots of it, because outnumbered approximately a hundred to one by males, while we would expect actresses and supermarket checkout girls to report very little of it, because they heavily outnumber male co-workers. Survey data is the exact opposite. The more that female workers outnumber male workers (and thus the thirstier the female workers) the more “sexual harassment” by every plausible measure, indicating that all cases of males sexually harassing female co-workers are actually cases of female co-workers fitness testing attractive males, as near to all of them as makes no difference.

In the time period of the “Rape on campus” incident, University of Virginia investigated thirty eight rape complaints. None led to disciplinary action, therefore all fake, or University of Virginia horribly biased. The fallout of the “Rape on Campus” case indicates fake. If there were any real cases, Obama’s team would have come up with better poster girls. All reports of rape by white heterosexual males are lies, as near to all of them as makes no difference.  Recollect that the University of Virginia accusation “A Rape on Campus”, was driven by female sexual lust.

And, similarly, sex between middle aged men, and girls well below puberty.  Humbert Humbert wants to creep into bed with the sleeping twelve-year-old Dolores Haze, but does not do so, in part because she is not in her own bed, she has crept into the bed of the drunk and sleeping Jeremy Meeks.  Any time you hear that an old man has raped a female child, ascertain whose bed the “rape” occurred in.

We should not “teach women not to lie about rape”. We should throw women in jail for lying about rape, or else legalize rape when done on private property that a woman voluntarily chose to enter. But, far more importantly, need to fire women who shit test co-workers in the workplace, because their disruptive behavior profoundly damages productivity and social cohesion.

To win, we are going to need a red pilled Christianity that is willing to enforce order, patriarchy, and orthodoxy.  We will need to spin the story of the fall not as a literal account of mankind’s descent from a higher plane of existence, but rather a parable or metaphor about men becoming black pilled when we realized large scale cooperation was hard, knowing good and evil, and knowing we screwed up.  Evolutionary psychology and game theory leads to conclusions that parallel the traditional Christian understanding of the fall.

The ruling underclass

Friday, February 23rd, 2018

Hanson, once a neoconservative, finds himself a second class citizen in a California that is increasingly strange, alien, and dangerous.

I and one of my sons have mostly fled Silicon valley. The other lives in a shrinking island of whiteness that is ever more dangerous and ever more expensive, in San Francisco near the Embarcadero, near where Kathryn Steinle was murdered for being white, and her murderer acquitted, because high status people can get away with shooting second class people.

Hanson complains:

Throw out onto the road three sacks of garbage with your incriminating power bill in them, or dump the cooking oil of your easily identifiable mobile canteen on the side of the road, and there are no green consequences. Install a leach line that ends up one foot too close to a water well, and expect thousands of dollars of fines or compliance costs.

A cynical neighbor once summed up the counter-intuitive rules to me: if you are in a car collision, hope that you are hit by, rather than hit an illegal alien. If someone breaks into your home and you are forced to use a firearm, hope that you are wounded nonlethally in the exchange, at least more severely than is the intruder. And if you are cited by an agency, hope it is for growing an acre of marijuana rather than having a two-foot puddle on your farm classified as an inland waterway.I could add a fourth: it is always legally safer to allow your dog to be devoured by a stray pit-bull than to shoot the pit-bull to save your dog.In the former case, neither the owner nor the state ever appears; in the latter both sometimes do.

He fails to name his rulers.

He neglects to notice.:

  • Is it permissible for a member of Tribe A to criticize Tribe B?
  • Is it permissible for a member of Tribe B to criticize Tribe A?
  • In physical conflicts between As and Bs, who is more likely to be the aggressor, the A or the B?
  • Given equivalent circumstances, is the judicial system more aggressive in punishing offenses of As against Bs, or vice versa?
  • Given equivalent circumstances, in economic competition between an A and a B, which is more likely to win? If you are looking for a government contract or position, an official distinction, an educational opportunity, etc, etc, is it better to be an A or a B?
  • Is it more socially marginal for a B to be rude to an A, or an A to be rude to a B?

If the territories of two tribes overlap, one must necessarily rule, one must necessarily be ruled. It is that, or war.

He is ruled.

Humans are naturally fissiparous. During the filming of the “Planet of the Apes”, extras costumed as orangutans formed a tribe, extras costumed as chimps formed another tribe, and extras costumed as gorillas formed yet another a tribe.

But with improved communications and mobility, we don’t get physical separation between tribes. Which is a problem, because if tribal territories overlap, the natural outcome is that one tribe rules, and the other is ruled.

And because white males ruling has been deemed unacceptable, the inevitable outcome is that whites get ruled. Actually war and slow genocide, rather than rule, is the natural outcome, but if we are lucky, careful, and clever, we can avoid that and merely get one tribe ruling and one tribe ruled, though this arrangement is always fragile, unstable, and apt to tip into genocide, slow or swift, unless carefully managed from above.

Empires and their state religions want to make everyone into one big tribe, but this does not work. The great big tribe lacks cohesion and solidarity, and is first parasitised, then predated upon, by smaller tribes within the larger tribe. Too big a tribe, too hard to maintain good behavior.

The traditional solution to this problem is territorial states each with their own state church, the peace of Westphalia. But this is no longer workable. For it to work, needs smaller states and less migration.

The Turkish Caliphate prefigures a solution better adapted to our mobile era, though that solution ended in genocide when the Caliphate, which was keeping the precarious system in balance, fell. The solution to the problem successfully implemented by the Caliphate is microterritories in addition to macroterritories: for example with blacks and whites we get the spontaneous formation of the ghetto and also the spontaneous formation of the black table at the school cafeteria. Put a black in charge of the ghetto, a Jew in charge of the Jewish area. Explicitly recognize territories, acknowledge the black table and the white tables in school cafeteria, make them formal and official and put them overtly and formally under the authority of the relevant tribes.

The concept of equality under the law should be inexpressible and incomprehensible. That we can speak such nonsense means that there is something wrong with our words, which fail to cut reality at the joints. Different tribes naturally have different laws. A member of tribe A in the microterritory of tribe A will of course be subject to different rules than a member of tribe B in the microterritory of tribe B. Equality should only be in that if a member of tribe A is in the microterritory of tribe B, he is under disabilities that are sometimes roughly similar to the disabilities of a member of tribe B in the microterritory of tribe A, though by no means exactly the same.

Which does not mean that a black should not be allowed to sit at the white table at the school cafeteria, or vice versa, but does mean he should only be allowed to sit at the white tables only as a guest of a white person in good standing with the white tribe of cool schoolkids, and this white person shall be responsible for that black person’s good behavior, and if black person misbehaves, then the white person whose guest he was loses his good standing with the white tribe at the school.

Notice how when buses were integrated, when blacks no longer had to go to the back of the bus, whites were forced to stop riding buses in areas with significant black ridership, because of a well founded fear of being beaten up. Diversity plus proximity leads to war.

Similarly, males and females. For reproduction to be successful there needs to be peace between men and women.  For there to be peace between men and women, territories outside of the proper female sphere need to be male, and females only be present as a guest of a male, who for fertile age women should always be a father, brother, husband, or betrothed.  And if he is not, then she is slut, and sluts should get a substantially lower level or protection than decent women, should likely suffer minor physical violence.

School shot up because murdering white kids is OK

Tuesday, February 20th, 2018

The Florida school shootings did not happen for lack of gun control.  They happened because of refusal to enforce law and maintain order when blacks and hispanics attack white children.

Back in 2015 I said:

> Difficult to say what will happen to Mestizos and Indios. In Mexico, the old gods walk again, but this has not happened in the US,

Well now the Old Gods have walked from Mexico to Florida, and spoken to Nikolas Cruz.

Nicolas Cruz had a long history of violence, menace, evil, and madness. And, of course, the school’s response was:

> “We do, as teachers, everything that we possibly can to help them”

Maybe when someone hears voices commanding him to terrible things and willfully chooses to obey those voices, it is time to think about not about helping him, but helping those near him.

But, instead:

> that harsh approach fell out of favor amid concerns that it was funneling too many young people — and particularly black and Hispanic students — into the juvenile justice system.

When a fat feminist who is hitting the wall complains that group of white males have an unhealthy attitude to women, does anyone say “We should do, as teachers, everything that we possibly can to help them”. No, they say “Let us throw the book at them, and not worry whether these accusations are true, false, or even remotely believable.”

When white males are accused of misbehavior, everyone has total confidence in the effectiveness of swift and harsh penalties, which should not be slowed down by old fashioned concerns about evidence or guilt. When a bunch of white males get together for some purpose that does not involve fucking each other, they are automatically suspected of being an evil terrorist organization.

> In recent years, Broward schools became a leader in the national move toward a different kind of discipline — one that would not just punish students, but also would help them address the root causes of their misbehavior. Such policies aim to combat what is known as the “school-to-prison pipeline,” giving teenagers a chance to stick with their education rather than get derailed, often permanently, by criminal charges.

In other words, a free pass for blacks and Hispanics to attack people at random, while if a white kid nibbles a slice of bread into the shape of a gun, the social workers get called to take him from his parents.

Blacks attack kids to take lunch money and such, without much regard for race, religion, ethnicity or social class. They are dangerous to everyone near them, ingroup or outgroup. Education and culture has little effect. Harvard blacks almost as dangerous as ghetto blacks. Blacks are more responsive to effective law enforcement than whites, thus black misbehavior is always a symptom of refusal to enforce the law on blacks.

But in Mexico, killings are generally human sacrifices of outgroup members to the old gods. People say they are drug cartel related, but this is politically correct bullshit. War is good for business only if someone else is paying for it. War is bad for business if you are paying for it. If a black drug gang commits mass murder, it is because they are doing it for business reasons but are incompetent at business. If a Mexican drug cartel in Mexico commits mass murder, they are murdering members of a near outgroup because they hear the voices of the Old Gods. The black drug gang commits murders because too stupid to find a peaceful resolution of a business dispute. The Mexican drug gang commits mass murders because listening to demons.

And now the voices of old gods have been heard in Florida.

Pushing back on social justice warriors.

Tuesday, July 11th, 2017

Remember how Github went social justice?

Well elections have consequences

“Coraline”, an autogynophilic male to female transexual, competent programmer, and political commissar, recently got purged from Github by the mandarinate.

Mandarins are priests, and Social Justice Warriors are priests, but social Justice Warriors are primarily into runaway extreme holier than thou holiness, while mandarins are more into politely conforming to the official religion and emitting all the right social signals. Thus the holiness spiral with mandarins tends to be <the current generation>, while the holiness spiral with social justice warriors rolls a lot faster, tending to be <the current year>

“Coraline” claims to be a good programmer by the objective standard of high lines of code contributed, high bugs fixed, high features added, low bugs caused. This is plausible because autogynophiles tend to be good programmers, combining the male propensity for strong and rigid logic, with the female propensity for conformity, obedience, and rule following. Effeminate gay male to female transexuals, on the other hand, combine the female incapacity to do logic, with an extreme form of the male propensity to break the rules and defy authority, showing up for work infrequently, late, and stoned.

But “Coraline” was not hired as a good engineer, but as a social justice warrior that other engineers could respect and take seriously, as a political commissar that could understand what the engineers were actually doing. It was hired by its female non engineer boss, to impose social justice on its fellow engineers.

In restrospect, should have stuck to engineering, for women will never perceive a male to female transexual as genuinely female, and thus, never perceive it as genuinely deserving of their own immensely high social status, thus always in their hearts perceive it as a low status male (redundant, I know, because males are always and automatically low status – observe how the guy in the corner office gets interrupted by his female staff and does not get laid) thus denying it the power and authority that a political commissar needs to be effective, needs to do its political job.

If you want to check to see whether your company’s organization chart corresponds to actual status, pay no attention to mere words, but rather watch who interrupts whom, who speaks over whom. Chances are the women speak over and interrupt their merely male boss. The words of the interruption are invariably courteous, helpful, respectful, friendly, and polite, but the fact that it is an interruption is the opposite of courteous, the opposite of helpful, is disrespectful, unfriendly, hostile, hateful, and impolite. It is a shit test. Fertile age women cannot help shit testing men, just as men cannot help looking at a woman’s boobs. And if she gets away with interrupting and speaking over your boss, he failed the shit test, no matter how superficially friendly, respectful, and polite the words of her interruption are. Conversely, if he regularly and routinely passes her shit tests, she will probably fuck him, no matter how old, bald, fat, and married he is. No action of his, no matter how gross, will ever constitute sexual harrassment.

Yes, if you are a boss who regularly and routinely passes their inevitable shit tests “you can do anything, you can grab them by the pussy.”

“Coraline” was working as an engineer, and was successful as an engineer, and appreciated for its engineering, when Github recruited it as a political commissar:

They wanted to offer me a job. They had just created a team called Community & Safety, charged with making GitHub more safe for marginalized people

Danger Will Robinson!

Its team was one normal male, two male to female transexuals, two colored women, and a normal female manager. Thus, three real engineers, all low status, and three fake engineers, all high status. And it is a real engineer, and a good one. Danger Will Robinson!

“Coraline” found itself socially isolated at Github. Danger Will Robertson!

This was the first instance of what came to be referred to as my “non-empathetic communication style”.

“Coraline” was talking about social justice issues in the direct, logical, unemotional, and factual style of a male, rather than in the socially required female style. The mandarinate found this low class, which is to say masculine, and did not like it. Danger Will Robinson!

when I joined the video call with my manager, it became clear that something was wrong. She went back to the issue of my lack of empathy in communications and collaboration.

“Coraline” was claiming status as a very holy social justice warrior that the mandarinate was reluctant to grant to a white male – and women will always see an autogynophile as a male, no matter what delusions the autogynophile harbors. So all the high status people on his team were reluctant to accept his holiness status, and incapable of perceiving his competent engineer status.
So, perceiving his attempt at female status had failed, he attempts to kill himself and is involuntarily committed to a mental hospital.

It is not people like me who keep using the wrong pronouns who drive people like “Coraline” to suicide. It is people like his manager, who no matter what pronouns they use, keep acting as if they perceive him as what he is – a man wearing a dress who has cut his dick off and grown boobs. The Opalgate incident, when lots of people piled on him calling him a man in a dress, did not make him in the least suicidal. It was the bad review by his boss, which review effectively amounted to “I can still sense the masculinity in your communication style” that caused his suicide attempt.

When the politically correct say “empathic” they actually mean feminine. If his female boss had actually been empathic, would not have driven him to suicide. They wanted someone who was a competent engineer, but who could also pass as a female social justice warrior, not just in carefully posed still photographs, but interactively. And that is not what they got. Indeed, it is never what they get.

He irreversibly mutilated himself to elevate his status to that of a woman, and his status did not in fact rise. Hence, suicide. Calling him a man in a dress did not adversely affect his perception of his own status, because he perceived those using the wrong pronoun as low status. But he perceived the women in his group as high status, they perceived him as a mere male, no matter what pronoun they used, thus, suicide.

In the past several months GitHub has fired at least three transgender engineers

He was fired for being interactively unconvincing as a woman.

and many more cisgender women.

With Trump in power, less need to pretend women are engineerettes.

Prominent people who were trying to effect positive change in the company culture have quit.

Social Justice Warriors have quit, perhaps one step ahead of being fired.

… In a return to its meritocratic roots, the company has decided to move forward with a merit-based stock option program despite criticism from employees who tried to point out its inherent unfairness.

That merit is inherently “unfair” is an implicit admission that women are inferior at activites in the male sphere and coloreds are just inferior.

And the widely publicized results of the open source survey show that the company’s platform is still not appealing to anyone but straight white guys.

The company’s platform is quite appealing to autogynophilic male to female transexuals, who are heavily overrepresented. And the rest cannot code. Ability to code is a pre-requisite for actually finding the company’s platform useful.

A terrorized and terrified ruling class

Sunday, June 21st, 2015

Radix observes the panic on the left when Rachel Dolezal was revealed as transracial, wearing chocolate covered makeup over her naturally fair skin, dieing her blond straight hair black and curling it into tiny tight curls.

Melissa Harris-Perry, once called “America’s foremost public intellectual” by one of her fellow affirmative action scholars, had real terror in her eyes as she desperately tried to reconcile “transracial” people with “transgenders” without an inadvertent faux pas

…  none of the brave independent thinkers rebelling against social norms have been told what the “right” side is yet, and so they remain paralyzed with fear and indecision.

 

 

Ferguson chimp out

Sunday, August 17th, 2014

Short recap of the Ferguson story:

Michael Brown, a huge black man helped himself to some tobacco in a shop, then strong armed the shopkeeper rather than paying.  He then walked down the street, expecting traffic to get out of his way.  When a policeman told him to stop jaywalking, he attacked the policeman, forced his way into the policeman’s car, and attempted to take the cops gun. The cop shot him.

According to heavily tattooed gang members wearing clothes intended to intimidate, after being shot, Michael Brown ran with his hands in the air, and the policeman shot Michael Brown again while he was holding his arms in the air and running.

This might well nonetheless be true, at least the part about him being shot while running, though not the part about his hands in the air, for if Michael Brown attacked me I might well do the same thing.  He is big, scary, violent, thuggish, and crazy.  Yeah, it would be the wrong thing to do, but when a big crazy guy attacks one out of the blue, one is apt to do the wrong thing.

The blacks proceeded to loot and burn.  The local police, facing collective criminal conduct, responded militarily, engaging in collective violence to crush collective violence – a military style response.

This “military”, which is to say collective, violence of course horrified the press, who blamed the police, and in particular the white cop in charge.  So a black cop was put in charge, and a huge round of news stories proceeded about peaceful protests and how everything was wonderful in peaceful civilized harmony, blithely ignoring events running contrary to story, blithely ignoring that the blacks were taking out one cop after another by collective violence, which the individual violence of the cops was ineffectual in preventing.  And then, contrary to story, the black cop had to resort to collective military style violence to keep his cops alive.

This is analogous to events in Gaza.  One might well believe that Israel blockades Gaza because they are evil racists, but when Egypt blockades Gaza, people of the same race and religion as themselves, it’s pretty obvious that the problem is terrorists operating out of Gaza, not Gaza’s neighbors.  And, similarly, the problem in Ferguson is individual and collective black violence, which collective violence has to be met by collective violence.

The larger story is that blacks destroyed Saint Louis, then, fleeing their own destruction of the city and each other’s violence, proceeded to move into a white suburb, which they are now in the process of destroying in turn.

This is a reason that the cost of housing is so high.  If wealthy people got to live where they chose, and poorer people got to live in the less desirable places, the inner city would be full of rich people, and poor black thugs would live in the exurbs.  The city would be safe and orderly, while slums far away from the center, places that no one ever goes to or cares much about, were dangerous and disorderly.  If, however, we look at where people live, it is clear that black collective violence trumps money, which forces up the cost of housing as white people bid up the small and shrinking pool of safe housing, which is usually located in places inconveniently far from the city center, forcing them to perform long commutes.

The white man buys a house.  To support his crushing mortgage he makes a long commute every day, along a highway with big wall to protect it from black people living much closer to his workplace than he does.  And then some section eight women and her nine kids by nine different thugs is plonked beside his house, and while he is at work, the section eight woman terrorizes his wife, breaking one of his windows and threatening to force entry.

This makes it hard for white men to reproduce, that white men are not able, not allowed, to protect their wives and children, in part because blacks can engage in collective violence against white people, and white people are not allowed to collectively defend themselves.   To have a safe place for one’s wife and children, it has to be possible to run bad people out of that place.

That blacks live close to where white people work, while white people are forced to live far from where they work, tells us that blacks have the upper hand over whites.  Slavery worked.  Jim Crow sort of worked.  Civil rights has been a disaster.

 

The PC trajectory

Tuesday, June 19th, 2012

VDare complains that PC is getting worse. Ya think?

Vdare compares a truth telling 1994 article appearing in the mainstream press, which points out systematic legal, state sponsored, and private persecution of whites in majority “minority” regions, which today could never appear.

Of course, if you read old books, it is apparent that political correctness has been getting worse ever since the eighteen thirties or thereabouts.
(more…)

Fun hate fact about the bell curve

Friday, October 21st, 2011

Today’s hate fact is hyperexponential decay.

The normal survival function (the number of cases in a normal distribution that are more than x, one minus the cumulative distribution) approaches zero as x increases hyperexponentially, which is to say, very fast. This often makes it possible, under many common circumstances, to draw conclusions about individual cases, to infer a particular person’s character and or ability from his race or sex, and to infer a particular individual’s race or sex from his ability or character, to draw conclusions about particular identifiable people from average racial characteristics. (more…)

The cause of the decline

Sunday, October 16th, 2011

Lately there as been a lot of concern about the increasingly visible decline of the west, notably Peter Thiel on “The  End of the Future”: (more…)

The financial crisis inquiry report

Saturday, January 29th, 2011

The government has investigated the “2008” financial crisis and released a detailed report.   (Actually it was the 2005 crisis, in that the panic set in towards the end of 2005 , but the government successfully covered things up and managed to get all the major players to pretend that everything was normal until 2008.)

The summary and conclusions are of course, piles of lies, intended to divert attention from those actually guilty.

Overall, it sticks to the cover story that hardly anyone noticed anything out of the ordinary until 2007.  It correctly observes that regulators failed to use the authority that they had, and to the extent that they used their authority, used it corruptly in ways that worsened the crisis – from which it concludes that the regulators need more power and to exercise that power more forcefully.

It correctly observes that

The kings of leverage were Fannie Mae and Freddie Mac, the two behemoth government-sponsored enterprises (GSEs). For example, by the end of 2007, Fannie’s and Freddie’s combined leverage ratio, including loans they owned and guaranteed, stood at 75 to 1.

So the next time you hear someone say that leverage caused the crisis, that is actually a euphemism for saying that government-sponsored enterprises were the major players causing the crisis, not an explanation of the crisis. After all, as the Republicans on the committee point out, leverage only produces bad results if you lose money, and the question therefore is how such large amounts of money were lost. So what, then, did Fannie and Freddie do to piss away large amounts of money?

It also tells us that

As early as September 2004, Countrywide executives recognized that many of the loans they were originating
could result in “catastrophic consequences.”

Yet fails to quote that testimony or document in full.   Surely those who saw the crisis coming, knew what was causing the crisis, yet we don’t hear what they said back then.

The report is overcooked, presenting conclusions without the data from which those conclusions were drawn.

Crabtree testifies to large numbers of abandoned houses in 2006, of entire neighborhoods collapsing, of the lawns unmowed, the houses empty except for homeless people squatting. If the mortgages were busted in 2006, surely the crisis was in full swing in 2006? Why then is every commissioner telling a story that has the crisis suddenly manifesting in 2007/2008?

In November 2005 I said “Now is the time to panic”, and it appeared to me that everyone did panic, within a few days of me saying it. People gave the commission the same testimony.

Warren Peterson, a home builder in Bakersfield, felt that he could pinpoint when the world changed to the day. Peterson built homes in an upscale neighborhood, and each Monday morning, he would arrive at the office to find a bevy of real estate agents, sales contracts in hand, vying to be the ones chosen to purchase the new homes he was building. The stream of traffic was constant. On one Saturday in November 2005, he was at the sales office and noticed that not a single purchaser had entered the building. He called a friend, also in the home-building business, who said he had noticed the same thing, and asked him what he thought about it. “It’s over,” his friend told Peterson.

Why then does the commission stick to the story that this crisis happened in 2008?

Bad loans were made. The money was lost in bad loans. Why were those bad loans made?

The Democrats on the commission conclude that bad loans were made for profit:

We find that the risky practices of Fannie Mae—the Commission’s case study in this area—particularly from 2005 on, led to its fall: practices undertaken to meet Wall Street’s expectations for growth, to regain market share, and to ensure generous compensation for its employees. Affordable housing goals imposed by the Department of Housing and Urban Development (HUD) did contribute marginally to these practices.

Peter J. Wallison argues that affirmative action and affordable housing contributed massively to these practices, in particular the HUD “Best practices initiative”

If a financial entity was failed to follow HUD “best practices” it was likely to be sued for racism, redlining, and any number of vague crimes that can never be disproven, so everyone had to follow “best practices” and if a company followed HUD “best practices” it was bound to make huge numbers of bad loans.

“Best practices” required that the lender accept “non traditional” evidence of ability to pay – and the reason such evidence was non traditional is that it is not evidence.  If a mortgage business followed HUD “best practices”, as in practice it had to do, best practices meant in practice that they were allowing borrowers or their loan officers to make $#!% up.