Chris Murray retweeted
Nearly 1 in 5 UC freshmen are flunking math, double the rate from 5 years ago trib.al/HvJWC38
Chris Murray retweeted
Prolific character actor Richard Riehle has passed away.
People will (rightly) mention Office Space and Casino, but he logged 440 credits; he was an ultimate “I know that guy” actor.
He even set up all-timers, like this Tommy Lee Jones moment in The Fugitive.
Chris Murray retweeted
On my way to the office this morning, I passed a group of young people protesting, a Palestinian flag draped over their shoulders.
And I asked myself a question I can't shake: why does this generation always fall into the same trap? No matter the history. No matter the context. Even the ones from wealthy families, who went to the best schools, who were dealt every good card. Always the same trap.
I don't think it's stupidity. I think it's a mechanism. And a mechanism can be taken apart, piece by piece.
A. The observation: everything the state touches becomes unaffordable.
Look at economist Mark Perry's famous chart, the one people call "the chart of the century." It tracks US prices since 2000.
At the top, what explodes: hospital services, college tuition, textbooks, childcare, housing. Increases of +100%, +150%, up to +250%, far above general inflation.
At the bottom, what collapses: TVs, software, phones, toys, clothing. A TV today costs a fraction of what it did in 2000, for an infinitely better product.
Look at what separates the two groups. It isn't technology. It isn't complexity. It's one variable: how much the state is involved.
At the top, sectors that are subsidized, regulated, shielded from competition, where the state funds demand and blocks supply. At the bottom, sectors where companies fight every single morning to serve you better and cheaper.
B. The mechanism: why it's systematic.
When the state subsidizes demand without freeing supply, prices rise. Every time. Guaranteed student loans, and universities raise tuition. Housing aid plus blocked building permits, and rents skyrocket. Administered healthcare, and bureaucracy eats the budget before it ever reaches the patient.
In France it's even more vicious, because the price doesn't disappear: it hides. You never see the hospital bill, you pay it through payroll contributions. You never see the cost of school, you pay it through taxes. Public spending at 57% of GDP, one of the heaviest tax burdens in the world, more than €3.4 trillion in debt. And the result? Overflowing ERs, falling PISA scores, young people who can't afford to live in the city where they work.
The market didn't fail in these sectors. It was never allowed in.
C. Suffering demands a culprit.
A 22-year-old lives all of this in their bones. They can't find a place to live. Their degree either buries them in debt or opens no doors. The future feels blocked. That suffering is real, and I don't deny it for a second.
But human beings can't stand suffering without a culprit. They need a face. A scapegoat.
And this is where everything is decided: who taught them how to read the world?
D. Whoever tells the story picks the villain.
Schools are public. Universities are public. Culture runs on grants. Film goes through funding committees. Public broadcasting shapes the narratives. The people handing down the interpretive framework are, overwhelmingly, paid by the very system that creates the problem.
Do you really think that system is going to name itself as the culprit?
No. It names the capitalist. The boss. The landlord. "The rich." The multinational. The commercial West. Same role, same casting, every time.
E. One lens, a thousand causes.
And this brings me back to that flag. A generation taught to read every situation through a single lens, oppressor on one side, rich, Western, capitalist, oppressed on the other, will apply that lens everywhere. To housing. To climate. To conflicts on the other side of the world. The cause changes, the lens stays. That's why the trap is always the same: it's not the cause that draws them in, it's the way of thinking that was installed in them.
F. The perfect inversion.
Here's the irony. Capitalism is the force that drove down the price of almost everything it touched. The state is the force that blew up the price of almost everything it captured. And young people blame the first for the crimes of the second.
It's like blaming the firefighter for the fire because you saw him at the scene.
G. The ballot box confirms it.
In the US, a few weeks out from the midterms, a large share of urban young voters is getting ready to vote Democrat for more state, more spending, more regulation. New York elected a self-described socialist mayor, carried by young voters, on promises of rent freezes and city-run grocery stores. Rent freezes, the policy that has made housing scarcer everywhere it's been tried. The cure that worsens the disease.
In France, it's the same play in two acts. Part of the youth votes for the radical left, which promises more state. Another part votes for the center, which promises to "manage" the state well, and has dug the debt deeper than ever. Two different ballots, one shared assumption: the problem is the market, the solution is the state.
H. The way out.
These young people aren't stupid. They're right to be angry. They're just aiming at the wrong target.
The day they understand that their rent, their tuition and their hospital are expensive precisely because the state runs them, their anger will change direction. They'll stop protesting against those who create. They'll start protesting against those who capture.
That day, the greatest intellectual scam of our time will be over.
Chris Murray retweeted
If @DanielLurie can issue an order to ban data centers in SF, why doesn’t he just issue a ban on fentanyl?
Chris Murray retweeted
DOWN GOES NO. 1! 🌲🪓
#GoBears | #BigSplash
Chris Murray retweeted
Debating at home, 10 best TV theme songs… mine, what would yours be?
Mission Impossible
Hawaii 5-0
Beverly Hillbillies
Gilligan’s Island
All In The Family
Rockford Files
Cheers
Mash
The Tonight Show
Brady Bunch
Chris Murray retweeted
Happy final day of 2025 for those who are forced to celebrate. #TaxTwitter
Chris Murray retweeted
Southwest Airlines is running a masterclass on how to ruin a corporate culture and an airline.
Chris Murray retweeted
🛶On October 14, 2005, while reporting on flooding in New Jersey for NBC’s ‘Today Show,’ correspondent Michelle Kosinski infamously paddled a canoe during a live segment, only for two pedestrians to stroll through the shot, revealing the water to be just a few inches deep
Chris Murray retweeted
Dave "Smoke" Stewart in the green and gold of the Oakland Athletics — the Oakland-born ace who anchored the A's dynasty of the late 1980s, and the most dominant October pitcher of his generation.
Stewart's career was nearly over in 1986, released by the Phillies after elbow surgery and years of struggle. The Athletics signed him that May — and he responded with four straight 20-win seasons from 1987 to 1990, the first Oakland pitcher to reach 20 since Vida Blue. The peak came in 1989: 21 wins, a 2–0 ALCS over Toronto, then 2–0 in the earthquake-interrupted Bay Bridge Series against the Giants, winning World Series MVP as the A's swept their way to the franchise's fourth Oakland title. He threw a no-hitter against Toronto on June 29, 1990, won ALCS MVP that fall and again in 1993 with the Blue Jays, and collected three World Series rings — 1981 with the Dodgers, 1989 with Oakland, 1993 with Toronto. His eight ALCS wins remain the all-time record. The A's retired his No. 34 and named him to their inaugural Hall of Fame class.
⚾ Four straight 20-win seasons and a World Series MVP — where does Dave Stewart rank among the greatest Oakland A's ever? ⚾ 👇️
Chris Murray retweeted
Dear Secretary Bessent @SecScottBessent,
My name is Everett Stern. In 2010 I was a compliance officer at @HSBC. From a back office in New Castle, Delaware, I watched billions of dollars move to drug cartels, sanctioned regimes, and terrorist organizations. The enemies of the United States. I documented it, I escalated it, and when the bank would not act, I took it to the @FBI, the @CIA, and eventually the @SECGov.
The result was a $1.92 billion settlement. At the time, it was one of the largest in American history. It was also about five weeks of the bank’s profit. Not one banker was charged. Not one went to prison.
I paid a different price. I lost my career, my savings, and my place in the industry I had trained for. I was blacklisted. Every door in American finance closed at once. I slept on a camping cot in a 300 square foot apartment because I could not afford a bed, and I waited tables at @PFChangs to eat. I tell you this not for sympathy, but so you understand that I know exactly what it costs to do the right thing in American finance, and exactly how little the system does in return.
I made that sacrifice because I believed it would change something.
Yesterday, your department fined @BankofAmerica $1.2 billion for failing to report more than $5 billion in suspicious transactions, some of it tied by your own findings to Chinese laundering networks, narcotics, and the southwest border, alongside 475 apparent sanctions violations touching Russia, Iran, and global terrorism. The bank admitted it willfully violated the Bank Secrecy Act.
Fourteen years after HSBC. A bank with “America” in its name. And once again, not one individual charged.
Secretary Bessent, I want to say plainly what I believe you already know. The fines are not working.
A fine is paid by shareholders, absorbed by the balance sheet, and forgotten by the next earnings call. Bank of America reported earnings this morning. Nobody who set the alert thresholds, nobody who decided the 2024 cease and desist could wait, nobody who chose the backlog over the law will lose a single thing they value. Their lives are untouched. That is the entire reason the behavior repeats.
This is money laundering. This is blood money. Money that reaches a cartel buys fentanyl that kills Americans. Money that reaches a terrorist organization buys the next attack. This country has fought a war on drugs and a war on terror for decades, at enormous cost in lives and treasure, and all the while we have allowed the financing to flow through institutions we charter and regulate. Cut off the money and we win. We have never seriously tried.
There is also a question of equal justice that I cannot let go.
Before I walked into the FBI building to report HSBC, I stopped in front of the Great Seal on the wall and read the words engraved beneath it: “Justice is the defense of our liberty.” I believed that. I still want to. But every day in this country, people go to prison for crimes that are nothing next to moving money for the people who want Americans dead. A suit, a title, and a corporate badge should not be a shield from the consequences that apply to everyone else. If a street dealer goes to prison for what he sells, the banker who moved the cartel’s money should be standing next to him.
I also want to raise something that is rarely said in these conversations. Why has no one inside Bank of America come forward the way I did? The answer is that everyone in American banking knows what happened to me, and to the whistleblowers who came after. The last person who spoke up is the only policy anyone believes. That is a culture problem, and it starts with leadership, in the banks and in the agencies that regulate them.
This is not a political issue. It has spanned administrations of both parties. It is a national security issue, and I am asking you to treat it as one.
Three things would change the math overnight.
Refer individuals for criminal prosecution. Not the analyst in the queue. The executives who set the thresholds and chose the risk. One banker in handcuffs would do more than every fine in Treasury’s history combined.
End “too big to jail.” An institution cannot be too big to fail and too big to jail at the same time. If it is the first, it must be held to a higher standard, not a lower one.
And if Bank of America will not act as America’s bank, review its charter. A national charter is a privilege granted on behalf of the American people. It should be conditioned on not moving money for the people trying to kill them.
Secretary Bessent, you said yesterday that these actions send a clear message that even the biggest institutions are not above the law. With respect, the institution was never the problem. The people inside it are above the law, and they know it. Until that changes, I will keep writing letters like this one, and the next bank will keep paying the next fine.
I gave up everything I had to stop this. I am asking you to use the power you have to finish it.
Respectfully,
Everett A. Stern
HSBC Whistleblower
Founder and Intelligence Director, Tactical Rabbit
Chris Murray retweeted
Nicholson’s “Ask me nicely” in A Few Good Men lays the groundwork for one of cinema’s best courtroom blowups.
Kaffee (Cruise) backs off, letting Jessup take control, while revealing his weak spot: ego.
That swagger turns to overreach in the finale. Jessup just set his own trap.
Chris Murray retweeted
Five years yesterday since we lost the great Ray Fosse. I’ll never forget the glee in Bill King’s voice when Ray would join us on @Athletics Radio. “A Fosse Day!”Nobody loved the A’s or loved baseball more than Ray. We miss him every day.



























