From: IN%"tcmay@got.net" "Timothy C. May" 11-DEC-1996 18:12:33.87
If anyone has well-formed questions about how redlining and "bigotry" is affected by strong cryptography and crypto anarchy, fire away. Just don't bury them deep in a long diatribe about the evils of "prejudice" and "discrimination."
Yes... an analysis of the ways in which an insurance or credit company could keep its disallowed data in secret, with sufficient incentives for the individuals with knowledge of it not to disclose this practice, is an interesting topic. One of the more obvious ways is to subcontract the risk analysis to businesses operating in countries without such limits, leaving the main insurance or credit company with just the claims process, reserves management, and paperwork. Unfortunately, as shown by the EU's attempts to make multinationals doing business there keep data inside EU borders and under EU privacy laws, countries are likely to clamp down on this process.
difficult. The racial and ethnic groups which are most into "victimology" are the least successful--which is _cause_ and which is _effect_ may be debatable to many of you, but the correlation is very clear....maybe it's time they try something different, like getting their culture to embrace learning, reading, science, math, and business success, instead of glorifying victimization, crack cocaine, basketball stars, and pimps.)
While I would fully agree with you that such cultural factors are a considerable amount of the problem, I'd have to call attributing all of the problem to them an oversimplification. I'd also point out the cultural factors caused by the development of cultures under uncivilized (in the sense of lacking cities) and unindustrial conditions, something that is not helped by the current PC multiculturalist wish to bring such cultures back. (The reasons for African cultures not developing in this route are an interesting debate; I find Sowell's argument of lack of navigable rivers and the presence of various diseases such as malaria reasonably convincing.) Other factors include the lack of parental education and nutrition resulting in lower parental IQs resulting in lower child IQs; interracial adoption, while opposed by the PC types, is one way to solve this problem. Another factor is lingering racism, which is regretably still present in subsections of the country. Hopefully, as various factors promoting large, noncompetitive corporations (and unions) disappear, the resulting companies will be forced to be sufficiently competitive to ignore such prejudices. -Allen