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Standing Corrected: Education 2nd Avoiding Economic Collapse 1rst

In yesterday's post my argument was that Education was the single most important policy concern we face for the long-term health of the country. In a way I stand corrected because getting the Housing crisis under control, preventing a systemic collapse of the credit markets and then getting the economy re-grounded for the long-term is more important. Enormously so. There are so many moving parts to this that it'll take me a bit to sort them out and it probably won't be dead-on in the first couple of passes and will need some evolution. If you've been reading along with this blog you'll have noticed that we've elevated the Economy to a central place in our concerns for some time now.

The card that was inadvertently palmed was my constant seperation of policy issues into three big buckects: Domestic, Economic and International. Education is the most important domestic policy issue but the next President is going to face two driving concerns that swamp everything else. If they're "fixed" then we'll be in a good position to address all the other conerns. If they metastasize into major crisis they could each break us. One is the Economy and the other is the ME and both share a common characteristic - failure to find a stable and workable resolution could lead to major worldwide economic disruptions. And by major I mean collapse though that's NOT the probability it is the worst case downside risk. But managing crisis is what President's do, isn't it ? You can see our prior analysis and summaries of the ME and the Economy in their respective archives btw.

Let me present a quick and dirty summary of my views on strategic economic policy with an extract from an e-mail with an economist friend who seemed to think they were pretty sensible:

Hey Mike - we're pretty much on the same page. If it 'twer mine to control I'd set up three large-scale gov't programs. A real estate repair and recovery effort though you dodged the key question of resources and skills. A significant infrastructure investment effort and a massive national energy development effort on the scale of a "concerted national effort". All of which would have major macro-consequences. In addition the first would get us out of the RE mess. The 2nd would provide huge intermediate jumpstarts while also setting up a major l.t. investment that would improve productivity. The 3rd in addition to those benefits would provide a jumpstart to several goals. Reduced foreign oil dependencies, improved national security AND, the biggest, the creation of the next big thing for creating new industries, technologies and jobs.

Consider those three strategic policies as both blueprints and checklists. Blueprints as to what we need to do. And checklists to assess each of the candidates against. Anything that a) doesn't address those three or b) substitutes ideological wrong-headedness or popular posturing for serious, workable and pragmatic proposals is an indictment. Policies come in two flavors. First they are either Urgent or not. Second they are either Important or not (yes that's the Covey matrix). Education is critically Important but not Urgent. The Economy and the ME are both Important and Urgent. The trick is to work on things that are Important before they become crisis - unfortunately we've let the Economy slide for decades and have been self-interested, short-sighted and self-damaging on the ME for longer. 

So to focus on the Economic crisis it helps to understand it a bit.

First off the Credit Markets are broken as badly as they've been in our lifetimes. The Fed may finally, repeat repeat repeat, MAY have finally found an instrument to manage orderly writedowns by re-liquifying the market thru taking the ugly stuff off the financials books in return for payback. In the long-run they may actually make a lot. That just keeps the machinery turning over.
 
Make absolutely no mistake about it - while we were all out having fun the markets almost collapsed weekend before last and would, almost literally, taken Western Civilization as we know it with it. The price for Bear was NOT $2 or $10 - it was taking $30B of synthethic debt off it's books that it couldn't trade because nobody thought they were solvent, i.e. could pay their bills. They were and are so tied into all the other major institutions that if they'd gone bankrupt - which they were going to have to do Mon morning - just about every major financial institution in the world would have found itself facing huge writedowns and a giant cascading run on the bank.
 
The reasons for that are that nobody will buy the funny paper, even at cents on the $ because they're not sure what it's worth.
 
My recommended fix is something like the Resolution Trust Corporation which would be funded by the gov't and Fed operations that would force homeowners to write down the value of their houses to something reasonable, pay their remaining mortgages, force the originators and banks to write down their investments and ditto for the other financial institutions.
 
Anything less and you continue to have a risk of systemic collapse - too bland and not emotional enough to convery what might have happened ? Think of an alien space virus running thru the linkages in an entire ecological basin infecting each plant, animal, the soil, the water and the air. And when it enters the body of a living thing it causes their respiratory and circulatory systems to slowly congeal until they can no longer function. And then imagine that at some point the virus auto-catalyzes into metastasis and each infected individual suddenly collapses and infects the things around them in an ever-widening circle of macro catalysis.
 
Does that help ? Since you're not sleeping at night anyway thought I'd give you something to think on.
 
Try these as backups since I just put them up in the last few days trying to specifically analyze these inter-related problems.
 

 

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