Certified 100% SOTU Free

At least for today. In other news, I'm feeling kinda virtuous:

And a related item from my Google LFOD News Alert: The Affordable New England State With The Best Health Care System In America For Retirees is, guess what?

For many folks approaching retirement age, health insurance is top of mind. Medicare coverage can vary from state to state, those who retire early may not receive coverage, and different states rank higher in terms of health outcomes for the average resident. According to two recent lists published by WalletHub and Bankrate, one state in New England may have the best health care system in America for retirees. If you're close to retirement age, New Hampshire should be on your radar. It's not just the best state for health care either. It was also named the most affordable state in America in 2025.

While New Hampshire's state motto may be "Live Free or Die," statistically residents aren't choosing between the two. According to the data, Granite Staters are receiving better overall care than residents of other states. While the state's exact ranking in health care varies slightly from list to list, New Hampshire is sitting near the top financially. WalletHub ranked the state first for the best healthcare system (and not just for seniors). New Hampshire is also an affordable retirement destination where you'll experience all four seasons.

"Experience all four seasons." Heh. There's a whole lotta snowblowing hiding behind that euphemism.

Also of note:

  • Among the many things our brains can't handle… Megan McArdle reveals a biggie: Why our brains can’t handle a modern economy. (WaPo gifted link)

    Aficionados of internet discourse may recall the vogue for deeming things “stochastic terrorism.” A stochastic process has a strong element of randomness, even when the overall result is predictable. Thus the idea of stochastic terrorism, which has been defined as “the use of mass media to provoke random acts of ideologically motivated violence that are statistically predictable but individually unpredictable.” (For example, how the Islamic State used social media to inspire attacks.)

    The term was used ceaselessly and carelessly, and eventually became a calumny against any speaker someone disagreed with. But the idea of stochasticity remains useful. Lately, I’ve been thinking about what you might call the stochastic economy — the things we pay for to avoid outcomes that are statistically likely but individually rare. Because I keep having conversations with folks who claim that the economy simply stopped getting better some decades back, and I think one reason they feel this way is that stochasticity makes it harder to see real and valuable improvements. These discussions are happening as the disconnect grows between healthy economic indicators and Americans’ negative perceptions of the economy.

    Read on for examples. There are a lot of them.

  • Riddle me this. Philip Hamburger asks the musical question: When Is a Tax Not a Tax? (WSJ gifted link) And he makes (what seems to me) a very good point:

    California’s proposed billionaire tax is unconstitutional. The ballot initiative calling for one-time retroactive 5% tax on the net worth of the state’s billionaires has prompted much unease, but the legal arguments against it have remained elusive. It’s therefore important to recognize that this tax is an uncompensated taking or at least a deprivation of property without due process, contrary to the Fifth and 14th amendments.

    Disgruntled taxpayers often grouse that taxation is state-sanctioned theft, and libertarians frequently complain about regulatory takings. But the billionaire tax is a problem for more basic reasons—reasons that are crucial for all of us, not only the hyperwealthy.

    For those without your Cato Institute Pocket Constitution handy, the relevant part of the Fifth Amendment saith: "nor shall private property be taken for public use, without just compensation."

    And the 14th Amendment would apply this to the states. Which really seems to scream: no wealth tax, in California or elsewhere.

  • Yes, the guy in the mirror I see brushing his teeth. That's the answer Jack Salmon gives in The Real Social Security Debate: Who Should Bear the Adjustment? After outlining the irresponsibility of our current crop of CongressCritters; and outlining six "structural reforms" (raise the retirement age, change the COLA adjustment, …):

    The fairest additional adjustment is soft means testing, or put another way, limiting maximum benefits for high-income retirees.

    Consider: The average monthly Social Security benefit in 2026 is $2,071, while some retirees collect the maximum $4,152. One approach would cap the maximum benefit at $3,000 monthly. This would preserve the social insurance character of the program while ensuring high earners receive less than the actuarially calculated maximum.

    The choice is stark: Cut all benefits by 23%, hurting poor and rich alike, or scale back maximum benefits for high earners who have other retirement resources. The first path treats a widow surviving on $23,000 annually the same as a retiree with a $2 million 401(k) collecting nearly $50,000 in Social Security benefits. The second option recognizes that Social Security was meant to prevent poverty among elderly Americans, not maximize returns for the affluent.

    Ah, it's nice to be called "affluent".

    But I am unsure of how many of my fellow affluents wouldn't scream like stuck pigs and suddenly become single-issue voters (and contributors). Resulting in (as Jack says) a "default that reflects our cowardice."

  • For all you political pigeonholers out there. Via Jerry Coyne, Frederick Alexander (The Gadfly) provides a handy guide: Five Progressive Types Behind the Racket. Classify your friends, family, colleagues, neighbors…

    Maybe it’s because I spent years working in PR for a British institution that I can detect progressive orthodoxy in parts per million. I can pick it up in the throat-clear before a politician says “people who menstruate”. I know within seconds of meeting someone if they will use a word like “intersectional” unironically.

    I can even tell which of five distinct types of progressive I’m dealing with. I’ll come to those in a moment.

    If you’re still reading this, I suspect you have similar radar systems and defence capabilities – perhaps even a natural-born immunity to progressive groupthink. In any case, you’re likely equipped with that most dangerous of intellectual habits: thinking for yourself.

    OK, Frederick, thanks for the flattery. Let's skip down to type #1:

    The True Believers are the rarest and most dangerous type. Usually found in university admin or HR, they genuinely think that questioning any aspect of progressive orthodoxy constitutes harm. The moment they make eye contact with reality, their pupils dilate, and they assume a glazed, faraway look like someone’s talking to them through an earpiece only they can hear.

    It’s the Tavistock clinician who dismissed parents’ concerns about rushing children into transition as “transphobia”. It’s the university administrator who considers “women” a radioactive word and the niqab an expression of female empowerment. It’s the civil servant who enforces unisex toilets because questions of “dignity” matter more than safeguarding.

    I believe the University Near Here has plenty of those, although they are desperately trying to fly under the radar these days.

  • Then they came for the peanut butter cups. / And I did not speak out / Because I was on a diet. James Lileks, at his substack, however: Now they're ruining Reese's? Well . . .

    Everyone has a favorite candy, and every candy has a fan. There’s some oddball out there who can’t get enough Circus Peanuts. There are people who pine for bygone confections like “Rabbit Cake” or “Oodles O’ Boodles” only sold by strange vintage candy outlets. When I hit the homepage for Atkinson Candy, I’m back in 1966: Chic-O-Sticks, Slo-Pokes, Black Cows. I’m sure someone still makes the Snirkle. I’m sure someone sells the grail of jellied rectangles, the all-black pack of Chuckles. But I’ll pass on all those items, because I know what I want.

    What I want is a Reese’s Peanut Butter Cup. Alas, according to AP, that’s a bit problematic now:

    The grandson of the inventor of Reese’s Peanut Butter Cups has lashed out at The Hershey Co., accusing the candy company of hurting the Reese’s brand by shifting to cheaper ingredients in many products.

    Brad Reese, 70, said in a Feb. 14 letter to Hershey’s corporate brand manager that for multiple Reese’s products, the company replaced milk chocolate with compound coatings and peanut butter with peanut crème.

    Oh yum. What’s for dessert? Gosh I hope it’s compound coatings. I’m sure it’s a perfectly fine industry term, but to us laymen “compound coatings” sounds like you’re painting a car.

    James is properly scornful of what he calls, primly, this latest example of "encrapification".

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