I want to see lawmakers scrutinize lawmakers.

I don’t know enough on this issue to comment in depth, although I’m probably less likely to believe the hysteria than most.

Workers are being overcharged tens of billions of dollars a year in unnecessary and often hidden fees imposed on popular, company-sponsored retirement savings plans known as 401(k)s, financial experts told a congressional committee yesterday.

Mutual funds and other professional investment firms often charge fees totaling 3 percent to 5 percent of the assets they manage, when 1.5 percent would be more appropriate, Matthew D. Hutcheson, an independent consultant on pension fees, told the House Education and Labor Committee.

I’m sure this happens, based on the company that manages my 401(k). I have no reason to believe they’re maliciously screwing me with outrageous fees, but they do waste my money. When they need to send me an amendment to my plan, they send the notification by FedEx, even when what I receive consists of two printed pages. I’d prefer they use the postal service, or even better, e-mail. I’m very close to pulling my retirement funds from them and moving them to another company.

As a business owner, I have that luxury. Employees are not so lucky. They’re generally stuck with what their employer offers. Is it possible that these “unnecessary” fees are the result a perverted federal tax structure that alters some of the normal incentive to keep costs low? Every government decision has consequences, so it’s reasonable to assess which negatives the government creates through its actions.

Would Americans be better off with a simpler, individual system not tied to employers? Would a better, fairer tax code help? I don’t know the answers, but I’d start there. When there’s a significant problem in the market, it generally results from some government action.

Economic laws can’t be broken.

We must be careful to avoid news like this:

Mortgage applications jumped last week as borrowers emerged in droves to refinance their existing home loans as interest rates fell to their lowest since early December, an industry trade group said Wednesday.

Consumers tend to be sensitive to shifts in interest rate moves when they are looking to refinance their current home loans.

Too many reports like this and some people might have to admit that incentives matter. We wouldn’t want that.

Motivation and method matter more.

Bill Gates is smarter than this:

[Gates] said government needs to invest more money in education and training, especially in high school math and science, as well as in job training programs.

“Our high schools are no longer a path to opportunity and success, but a barrier to both,” Gates told the Senate Health, Education, Labor and Pensions Committee, chaired by Massachusetts Democratic Sen. Edward Kennedy.

“While most students enter high school wanting to succeed, too many end up bored, unchallenged and disengaged from the high school curriculum — ‘digital natives’ caught up in an industrial-age learning model,” he said.

I fail to see how more money to support the same structure we now have will produce anything other than more boredom and lagging in the global market. He goes on to recommend more “No Child Left Behind” goodness, in the process. I know a teacher or two. More “No Child Left Behind” is the opposite of what we need. Reform the system by taking the government out of it. Let the private market figure out how best to educate children. Then we should discuss how to pay for it. Until then, money will solve nothing.

He makes the same mistake in requesting more federal money for basic scientific research. But I agree with his sentiments on allowing foreigners to achieve permanent resident status.

More Evidence for Scientific Caution

This is the last one for the day, I promise.

Earlier today I asked whether or not new findings on HIV prevention might generate an “Oops?” from circumcision advocates. I’ll ask again:

Men with HIV who get circumcised hoping they will be less likely to transmit the AIDS virus may have a greater-than-normal risk of infecting their partners if they resume sexual activity too soon after the operation.

That observation — drawn from preliminary analysis of a study in Uganda — threatens to complicate efforts to tout circumcision as a new weapon against HIV in Africa.

The men in question already had HIV when circumcised. There should be no surprise that they can infect their female partners. Perhaps it’s surprising that the risk is greater than normal, but the bottom line is that the eventuality of infection is a given. Circumcision will only delay the inevitable. This coincides with the truth that responsible, safe sex practices are the only prevention, whether the individuals involved are intact or circumcised, HIV-positive or HIV-negative.

Instead, we’re left with this sentiment¹:

Specifically, it suggests that public health campaigns promoting circumcision must also include messages, directed principally at women, warning of the extreme hazard of intercourse with HIV-positive men who have just had the procedure.

There were obvious reasons not to rush head-first, unthinking into promoting circumcision before these findings. Researchers, politicians, and parents didn’t want to hear this before. Will they now, even though these efforts should’ve been seen as complicated from the beginning, with adequate restraint applied?

¹ Full Disclosure: I exchanged e-mails with the reporter for this story, David Brown, after he wrote a story on circumcision and HIV prevention in August. We had a brief exchange, but my questions were inadequately addressed. Our disagreement partially focused on this statement about the educational approach needed. From that article:

It would also require drawing a clear distinction between that procedure and the misleadingly named “female circumcision,” a form of ritual mutilation with no medical benefit.

The FGM issue is more complex than the simple view that women are mutilated to damage their sexuality while men are mutilated to provide them with medical benefits. That begs addressing the specific issue of male circumcision with a skeptical eye. Instead, he seemed to approach the complex ethical and scientific aspects of male circumcision with the same faulty assumptions accepted by society in general, even when the facts we discussed contradicted his statements. This is not surprising, but it’s also not advisable for a reporter, in my opinion.

Worship on your own dime.

Consider:

An unknown number of new George Washington dollar coins were mistakenly struck with edge inscriptions, including “In God We Trust,” and made it past inspectors and into circulation, the U.S. Mint said Wednesday.

That should be a news story, right? It is, except I changed one word and removed another. Here’s the original text:

An unknown number of new George Washington dollar coins were mistakenly struck without their edge inscriptions, including “In God We Trust,” and made it past inspectors and into circulation, the U.S. Mint said Wednesday.

There is no justifiable reason for coins printed by the United States government to include the phrase “In God We Trust”. Leaving it out would show respect for the Constitution. America would not cease to believe in God, nor would we perish. We’d also lose a bright symbol of legislative activism.

Via Fark.

The justifications explode themselves.

Unlike the scientists, politicians, and parents who couldn’t wait to proclaim victory when a few studies showed a correlation between the male foreskin and HIV infection, I will not make bold pronouncements about these findings.

Researchers have discovered that cells in the mucosal lining of human genitalia produce a protein that “eats up” invading HIV — possibly keeping the spread of the AIDS more contained than it might otherwise be.

Even more important, enhancing the activity of this protein, called Langerin, could be a potent new way to curtail the transmission of the virus that causes AIDS, the Dutch scientists added.

Langerin is produced by Langerhans cells, which form a web-like network in skin and mucosa. This network is one of the first structures HIV confronts as it attempts to infect its host.

However, “we observed that Langerin is able to scavenge viruses from the surrounding environment, thereby preventing infection,” said lead researcher Teunis Geijtenbeek, an immunologist researcher at Vrije University Medical Center in Amsterdam.

You’ll recall, of course, that the primary “benefit” of male circumcision as a defense against HIV is that it removes many Langerhans cells. Read through most of the articles in the last year or so on this topic and you’ll see “scientists believe”. Not “scientists know,” but “scientists believe”. Oops?

The question mark on the end of my last sentence is intentional. I have no idea how substantial this research is, or whether it can be replicated. I’m willing to read this last qualification in the story and understand that life is often more complicated than controlled findings.

[Dr. Jeffrey Laurence, director of the Laboratory for AIDS Virus Research at the Weill Cornell Medical College] did offer one note of caution, however.

“In the test tube, this is a very important finding,” he said. “But there are many things in the test tube that don’t occur when you get into an animal or a human. Having said that, though, this is a very intriguing finding.”

Instead of the glee that my viewpoint is now supported, I’ll approach this with caution, the same way circumcision supporters should approach the recent findings on HIV. I suspect the difference is that I know I don’t need science to validate my stance. I’m correct before we get to the science. Circumcision advocates rush to every justification. Why?

But looking at the science, we’re finding information in the short-term. It’s reassuring to project that information long-term, but we must remain open to the possibility that we’re wrong. That is true of any new discovery, but it should be required when the decision is to alter a human body. We should add another, higher standard because that body does not belong to us.

If researchers verify these new findings through real-world tests, will anyone apologize for rushing to circumcise as many males as possible? The answer is an obvious “no”. Those now advocating circumcision will still fall back on the tried-and-true defenses. We’ll okay some version of “alright, it’s not important, but still…“. I can accept that if someone makes decisions about his own body and life. I can’t accept that when someone makes it about someone else’s body and life. But still… isn’t enough.

He should stick to bad movie reviews.

Last week, Townhall published this essay by Michael Medved regarding circumcision and recent findings about its presumed HIV prevention. Lest you think it’s meant to be a balanced look at circumcision, in the sense that any argument that attempts to validate an insane idea against the critical opposition of logic, it’s not. But you’re probably aware of Michael Medved in general, so this comes as no surprise. If you don’t know in advance, the first paragraph signals his intentions. (Yes, that’s what an opening remark is supposed to do, but it doesn’t help if it’s a flawed assumption.)

For more than ten years, medical science has provided mounting evidence that circumcision brings substantial health benefits. Last week, the release of data from the National Institutes of Health (NIH) made worldwide headlines and gave new impetus for an ancient practice.

When an article begins by explaining that some new justification exists for an ancient practice, you know the writer is uninterested in questioning. In that case, the potential medical benefits are enough, the potential medical drawbacks don’t exist, and it’s preposterous to consider that the child might have a right not to be surgically altered on the whim of his parents. Mr. Medved doesn’t “disappoint,” in that regard. As support, he quotes only this:

“Look,” said Dr. Anthony S. Fauci, director of the National Institute of Allergy and Infectious Diseases, which financed the trials. “This is a one-time, permanent intervention that’s safe when done under the appropriate medical conditions. If we had an AIDS vaccine that was performing as well as this, it would be the talk of the town.”

Ethical questions do not exist. He is not alone in this erroneous view, but this best exemplifies it. The mere presence of the word permanent should raise every red flag imaginable, whether ethical, legal, or parental. Instead, it’s seen as the greatest benefit. It’s blind.

In the middle of his essay and in his conclusion, Mr. Medved offers a religious defense which warrants a response. It’s not where I want to go with my analysis today, so I’ll point anyone interested here. Apply what I said then to this piece and you’ll have close to what I’d say now. There’s a little more that needs to be said on Mr. Medved’s conclusion, but that’s for another day. For now, you can figure out the gist from my analysis of his opening paragraph.

Instead, I want to highlight this bit of misdirection:

Meanwhile, there are various factors about this horrible plague of AIDS that deserve special attention from all those who take Scripture seriously.

For many years, we’ve known that the best way to contract AIDS is to engage in a practice (male homosexual “intercourse”) strictly prohibited by the Bible.

Now we learn that one of the best ways to protect against the disease is to follow a procedure solemnly commanded in the Bible (circumcision).

I have no idea if his misdirection is intentional or not. I’ve seen it in too many places recently to automatically assume that it’s malicious. It’s likely the same mental blindness that blocks out any negative while seeking to confirm existing beliefs. Regardless, the studies we’ve seen so far only addressed heterosexual HIV transmission from female to male. It’s his prerogative to believe that the Bible has issues with such “intercourse”. But it’s indefensible to apply unproven results to excuse genital surgery on children, especially when the majority of those children will never engage in the unconnected behavior he finds so repulsive and sinful. This does not reveal the wisdom of the Bible. It reveals the fallacy of self-selected facts.

P.S. Note how he states that engaging in an action is the best way to contract AIDS HIV, without the proper qualification that irresponsibly engaging in that action is the cause. Excluding that key, irresponsibility, allows him to ignore the best protection, responsibility. Instead, unnecessary surgery on children is the answer. That’s quite convenient. In the realm of his essay, HIV prevention is an excuse, not a benefit.

Respecting rights is not the controversial stance.

From yesterday, this article discusses the factors that play into the parental decision to circumcise or leave their sons intact. It’s mostly accurate, although it tries a bit too hard to be balanced and unbiased in countering clear logic. I understand that the logic is not accepted by society, but that doesn’t change its objective truth.

That’s not what interests me. This does:

The opinions of friends and Berkeley, Calif., neighbors Judith Barish and Denise Leto epitomize the controversy.

Barish, a stay-at-home mother of an 8-year-old daughter and two boys ages 3 and 6, decided on circumcision. Although she says the medical reasons at the time were not altogether compelling, the decision was made for other reasons. “Our children are half Jewish. We debated the issue and really looked into it,” she says. “The medical benefits versus the risk seemed like a wash. But ultimately we decided to circumcise as one small concession to religion and culture.”

“Whether a boy is circumcised or not doesn’t matter so much,” she says. “He can be healthy, happy and love his penis either way.”

It’s more appropriate to let the male decide whether or not they approve of that concession, since they’re the ones losing part of their body. Also, they should decide whether or not the concession is “small”. Parents may teach their children their religion, but they do not have the right to practice their religion on the bodies of their children.

To Mrs. Barish’s last point, I’m sure her sons will be fine with being circumcised. Most males are conditioned that way in our society. But to a boy who doesn’t like it, a proclamation from his parents that he can love his penis either way is the wrong analysis. If the boy doesn’t love the permanent change his parents imposed, he’s out of luck. There is no other way for him. What Mrs. Barish is really saying is that a boy should “be healthy, happy, and love his penis” the way his parents choose. That is a flawed basis for decisions regarding medically-unnecessary surgery.

Rights begin at 18-years-old.

Via Hit and Run, the American Academy of Pediatrics has updated its stance on routine drug testing for students. It sides on the right side, but barely. In the body of the policy, under the heading “BENEFITS AND RISKS OF DRUG TESTING IN SCHOOLS AND AT HOME”, the AAP waits until almost the end to state this:

Drug testing may also be perceived by adolescents as an unwarranted invasion of privacy.

No kidding. So why not elaborate on this? Granted, the AAP is mostly approaching this from a scientific standpoint, but ethics should still be a part of science. You can’t convince me that there is no one at the AAP who is aware of ethical implications. Will the AAP bow before any government desire to invade an adolescent’s medical privacy if the science was clearer than it is with drug testing? I hope not, but this might be a better time to stand up than some point in the future.

P.S. The title of this post is sarcastically incorrect. Obviously.

I guess the automated e-mail service is down.

The Smoking Gun reports that the Super Bowl broadcast, namely Prince’s phallic silhouette and the Snickers commercial showing two guys kissing, generated “about 150 complaints to the Federal Communications Commission.” Wonderful. Who knows what the FCC will ultimately do, although by the absurdity of the complaints included in the Smoking Gun story must surely indicate to the FCC that it must do nothing.

The complaining viewer on the main Smoking Gun article believes decision on who televises the Super Bowl belongs to the FCC. There is also a very decent addition that Prince is “a scumbag.”

A few more choice letters fall into two basic themes. First, the FCC is should attempt to censor anything that might be objectionable. Second, they were “tricked into watching gay sex!”. Gotcha. But my favorite falls a bit out of that and into blanket paternalism.

“This violates our religious beliefs and exposes our children to obscene and disgusting material they are taught are wrong. I want something done about this!!”

Read this as slowly as possible to get my incredulous tone. If they are taught this type of behavior is wrong, how will they be corrupted by seeing it. Seeing it only confirms that it exists. It is not a judgment for or against. Presumably, parental teaching will apply the subjective interpretation. Are the parents so afraid of their own ineffectiveness that they expect the government to dictate to America what they teach their children? And if it’s so ineffective coming from them, why are they teaching their children anything? And why would it suddenly be more effective coming from the government?

My advice: stop watching the halftime show.