organization:harvard

  • The Quiet Death of the Gig Economy – FutureSin – Medium
    https://medium.com/futuresin/the-quiet-death-of-the-gig-economy-126f62014a4d

    Michael K. SpencerFollow Jan 7

    Disruption, blissfully happy digital nomads, the sharing economy and oh yes — the “Gig Economy” sounded good on paper, but it seems to not be all it was thought it might become.

    As the U.S. economy finally and painfully slowly recovered from the great recession of 2008, the supposed unemployment rate fell to record low levels in 2018.

    Alan Krueger (Princeton University) and Larry Katz (Harvard University) have dialed down their estimates of the gig economy’s growth by 60%-80%.

    According to Guy Berger on LinkedIn, Krueger and Katz published the (at the time) most rigorous analysis of alternative work arrangements. Their conclusion was that such arrangements (of which a minority are online platform gig work) had grown significantly between 2005 and 2015. Their estimate was its share of the US workforce had grown by a whopping 5 percentage points. (7–8 million workers.). Well guess what, that trend now seems to have reversed as the economy recovered.

    With Lyft and Uber set to go public with IPOs this year, that to be part-time drivers with them is somehow desirable or helpful to “make ends meet” has all but dried up, right before supposed autonomous vehicles and self-driving cars start to hit the streets in various ways.

    Indeed there does not seem to be much sharing and caring in the ruthless world of Uber, amid legal battles and drivers who make less than minimum wage and are like grunt contract workers of the worst kind, totally unprotected.

    In a world where Amazon is miserably harsh to its bottom feeder workers, why the heck did we once think the ‘gig economy’ was some glorious alternative workforce? Why the ‘gig’ economy may not be the workforce of the future after all, with rising minimum wages and a small bump in wage growth in 2019. I personally think the American labor force is screwed with a skill-shortage coming the likes of which we’ve rarely seen, but that’s another story for another day.

    From Uber to TaskRabbit to YourMechanic, so-called gig work — task-oriented work offered by online apps — has been promoted as providing the flexibility and independence that traditional jobs don’t offer. But in 2019, if anything they seem like scams for the destitute, desperate and debt-ridden. I feel a bit nervous about how manipulative an Uber driver can be just to earn an extra buck. Maybe it’s not a Gig economy but kind of like another form of slavery given a pretty name.

    Horror stories of what it’s really like to do delivery work also give you a second guess that this Gig Economy isn’t just disruptive to make these companies rich, it’s a sham and harmful to these workers. I feel as if Silicon Valley has duped us, yet again.

    Nobody could have thought or imagined that doing a small gig in exchange for an hourly payment could become someone’s full-time job. It’s a bit like career-death, you get used to the work-lifestyle perks of the so called flexibility until you realize just how little you made the year you side-hustled in the Gig Economy, or became a freelancer or attempted to be self-employed. It’s risky folks, and I don’t recommend it for a minute.

    When you need to bring food to the table you are on the fringe of the labor force, the painful predicament of being a Gig Economy minion is your everyday, until it becomes your new normal. Until you lose hope to up-skill or change your career path. Labor is tiresome, but when the fat cats get rich on the backs of people who need the money, you know American capitalism has invented another scam to profit. That’s precisely why the Gig Economy has to die.

    Crypto and the Gig Economy seem hot in a recession, but the reality is that lovely expansion of alternative work seems a nice response to the weak US labor market, when job seekers didn’t have many options. But now with the labor market in a much healthier state for a few more months, more conventional jobs have rebounded. The implication may be that we’ll see these kinds of jobs proliferate again during the next downturn. Bitcoin and side-hustles, it doesn’t feel very sustainable.

    The “gig” economy was supposed to be an opportunity for entrepreneurs to be their own boss. But if you have to deal with companies like Uber, you might end up getting screwed royally. For the hundreds of people who use services like Uber, TaskRabbit or Turo to earn their livelihood, there’s no thing as benefits, paid leave or basic worker rights. That’s not an ethical solution for people living on the edge.

    Companies like TaskRabbit make a fortune by extracting commission in exchange for connecting consumers across the country with reliable people in their neighborhood who will happily take care of their burdensome chores. But is it even ethical? The app-economy is a feudal use of technology and downright as evil as any capitalistic scheme you might want to devise to imprison people in impossible situations.

    The Gig Economy was a myth and a scam, and Silicon Valley needs to be held more accountable with regulation. Alan Krueger of Princeton University and Larry Katz of Harvard should actually be apologizing, not revising their estimates. As of 2020, universal basic income sounds more reliable than an exploitative Gig Economy.

    The gig economy was supposed to be the future of work, but it ended up hurting more than it helped, and we left it. Just as we should kill Uber.

    #USA économie #droits_sociaux #platform_capitalism

  • Russian biologist plans more CRISPR-edited babies
    https://www.nature.com/articles/d41586-019-01770-x

    Je n’ai pas réussi à extraire une simple partie de ce texte, tant l’ensemble me semble complètement hors-jeu. Je partage l’avis de l’auteur de l’article : la folie et l’hubris scientifiques se serrent la main dans le dos de l’humanité. Choisir de surcroit des femmes en difficulté (HIV positive) est bien dans la lignée machiste d’une science qui impose plus qu’elle ne propose.

    La guerre internationale à la réputation, la course à « être le premier » (ici le masculin s’impose), la science sans conscience ne peuvent que provoquer ce genre de dérives. Il faudra réfléchir à une « slow science » et à un réel partage des découvertes, qui permettrait de prendre le temps du recul, et qui pourrait associer la société civile (ici au sens de celle qui n’est pas engagée dans la guerre des sciences).

    The proposal follows a Chinese scientist who claimed to have created twins from edited embryos last year.
    David Cyranoski

    Denis Rebrikov

    Molecular biologist Denis Rebrikov is planning controversial gene-editing experiments in HIV-positive women.

    A Russian scientist says he is planning to produce gene-edited babies, an act that would make him only the second person known to have done this. It would also fly in the face of the scientific consensus that such experiments should be banned until an international ethical framework has agreed on the circumstances and safety measures that would justify them.

    Molecular biologist Denis Rebrikov has told Nature he is considering implanting gene-edited embryos into women, possibly before the end of the year if he can get approval by then. Chinese scientist He Jiankui prompted an international outcry when he announced last November that he had made the world’s first gene-edited babies — twin girls.

    The experiment will target the same gene, called CCR5, that He did, but Rebrikov claims his technique will offer greater benefits, pose fewer risks and be more ethically justifiable and acceptable to the public. Rebrikov plans to disable the gene, which encodes a protein that allows HIV to enter cells, in embryos that will be implanted into HIV-positive mothers, reducing the risk of them passing on the virus to the baby in utero. By contrast, He modified the gene in embryos created from fathers with HIV, which many geneticists said provided little clinical benefit because the risk of a father passing on HIV to his children is minimal.

    Rebrikov heads a genome-editing laboratory at Russia’s largest fertility clinic, the Kulakov National Medical Research Center for Obstetrics, Gynecology and Perinatology in Moscow and is a researcher at the Pirogov Russian National Research Medical University, also in Moscow.

    According to Rebrikov he already has an agreement with an HIV centre in the city to recruit women infected with HIV who want to take part in the experiment.

    But scientists and bioethicists contacted by Nature are troubled by Rebrikov’s plans.

    “The technology is not ready,” says Jennifer Doudna, a University of California Berkeley molecular biologist who pioneered the CRISPR-Cas9 genome-editing system that Rebrikov plans to use. “It is not surprising, but it is very disappointing and unsettling.”

    Alta Charo, a researcher in bioethics and law at the University of Wisconsin-Madison says Rebrikov’s plans are not an ethical use of the technology. “It is irresponsible to proceed with this protocol at this time,” adds Charo, who sits on a World Health Organization committee that is formulating ethical governance policies for human genome editing.
    Rules and regulations

    Implanting gene-edited embryos is banned in many countries. Russia has a law that prohibits genetic engineering in most circumstances, but it is unclear whether or how the rules would be enforced in relation to gene editing in an embryo. And Russia’s regulations on assisted reproduction do not explicitly refer to gene editing, according to a 2017 analysis of such regulations in a range of countries. (The law in China is also ambiguous: in 2003, the health ministry banned genetically modifying human embryos for reproduction but the ban carried no penalties and He’s legal status was and still is not clear).

    Rebrikov expects the health ministry to clarify the rules on the clinical use of gene-editing of embryos in the next nine months. Rebrikov says he feels a sense of urgency to help women with HIV, and is tempted to proceed with his experiments even before Russia hashes out regulations.

    To reduce the chance he would be punished for the experiments, Rebrikov plans to first seek approval from three government agencies, including the health ministry. That could take anywhere from one month to two years, he says.

    Konstantin Severinov, a molecular geneticist who recently helped the government design a funding program for gene-editing research, says such approvals might be difficult. Russia’s powerful Orthodox church opposes gene editing, says Severinov, who splits his time between Rutgers University in Piscataway, New Jersey, and the Skolkovo Institute of Science and Technology near Moscow.

    Before any scientist attempts to implant gene-edited embryos into women there needs to be a transparent, open debate about the scientific feasibility and ethical permissibility, says geneticist George Daley at Harvard Medical School in Boston, Massachusetts, who also heard about Rebrikov’s plans from Nature.

    One reason that gene-edited embryos have created a huge global debate is that, if allowed to grow into babies, the edits can be passed on to future generations — a far-reaching intervention known as altering the germ line. Researchers agree that the technology might, one day, help to eliminate genetic diseases such as sickle-cell anaemia and cystic fibrosis, but much more testing is needed before it is used in the alteration of human beings.

    In the wake of He’s announcement, many scientists renewed calls for an international moratorium on germline editing. Although that has yet to happen, the World Health Organization, the US National Academy of Sciences, the UK’s Royal Society and other prominent organizations have all discussed how to stop unethical and dangerous uses — often defined as ones that pose unnecessary or excessive risk — of genome editing in humans.
    HIV-positive mothers

    Although He was widely criticized for conducting his experiments using sperm from HIV-positive fathers, his argument was that he just wanted to protect people against ever getting the infection. But scientists and ethicists countered that there are other ways to decrease the risk of infection, such as contraceptives. There are also reasonable alternatives, such as drugs, for preventing maternal transmission of HIV, says Charo.

    Rebrikov agrees, and so plans to implant embryos only into a subset of HIV-positive mothers who do not respond to standard anti-HIV drugs. Their risk of transmitting the infection to the child is higher. If editing successfully disables the CCR5 gene, that risk would be greatly reduced, Rebrikov says. “This is a clinical situation which calls for this type of therapy,” he says.

    Most scientists say there is no justification for editing the CCR5 gene in embryos, even so, because the risks don’t outweigh the benefits. Even if the therapy goes as planned, and both copies of the CCR5 gene in cells are disabled, there is still a chance that such babies could become infected with HIV. The cell-surface protein encoded by CCR5 is thought to be the gateway for some 90% of HIV infections, but getting rid of it won’t affect other routes of HIV infection. There are still many unknowns about the safety of gene editing in embryos, says Gaetan Burgio at the Australian National University in Canberra. And what are the benefits of editing this gene, he asks. “I don’t see them.”
    Hitting the target

    There are also concerns about the safety of gene editing in embryos more generally. Rebrikov claims that his experiment — which, like He’s, will use the CRISPR-Cas9 genome-editing tool — will be safe.

    One big concern with He’s experiment — and with gene-editing in embryos more generally — is that CRISPR-Cas9 can cause unintended ‘off-target’ mutations away from the target gene, and that these could be dangerous if they, for instance, switched off a tumour-suppressor gene. But Rebrikov says that he is developing a technique that can ensure that there are no ‘off-target’ mutations; he plans to post preliminary findings online within a month, possibly on bioRxiv or in a peer-reviewed journal.

    Scientists contacted by Nature were sceptical that such assurances could be made about off-target mutations, or about another known challenge of using CRISPR-Cas 9 — so-called ‘on-target mutations’, in which the correct gene is edited, but not in the way intended.

    Rebrikov writes, in a paper published last year in the Bulletin of the RSMU, of which he is the editor in chief, that his technique disables both copies of the CCR5 gene (by deleting a section of 32 bases) more than 50% of the time. He says publishing in this journal was not a conflict of interest because reviewers and editors are blinded to a paper’s authors.

    But Doudna is sceptical of those results. “The data I have seen say it’s not that easy to control the way the DNA repair works.” Burgio, too, thinks that the edits probably led to other deletions or insertions that are difficult to detect, as is often the case with gene editing.

    Misplaced edits could mean that the gene isn’t properly disabled, and so the cell is still accessible to HIV, or that the mutated gene could function in a completely different and unpredictable way. “It can be a real mess,” says Burgio.

    What’s more, the unmutated CCR5 has many functions that are not yet well understood, but which offer some benefits, say scientists critical of Rebrikov’s plans. For instance, it seems to offer some protection against major complications following infection by the West Nile virus or influenza. “We know a lot about its [CCR5’s] role in HIV entry [to cells], but we don’t know much about its other effects,” says Burgio. A study published last week also suggested that people without a working copy of CCR5 might have a shortened lifespan.

    Rebrikov understands that if he proceeds with his experiment before Russia’s updated regulations are in place, he might be considered a second He Jiankui. But he says he would only do so if he’s sure of the safety of the procedure. “I think I’m crazy enough to do it,” he says.

    Nature 570, 145-146 (2019)
    doi: 10.1038/d41586-019-01770-x

  • ‘They Were Conned’: How Reckless Loans Devastated a Generation of Taxi Drivers - The New York Times
    https://www.nytimes.com/2019/05/19/nyregion/nyc-taxis-medallions-suicides.html


    Mohammed Hoque with his three children in their studio apartment in Jamaica, Queens.

    May 19, 2019 - The phone call that ruined Mohammed Hoque’s life came in April 2014 as he began another long day driving a New York City taxi, a job he had held since emigrating from Bangladesh nine years earlier.

    The call came from a prominent businessman who was selling a medallion, the coveted city permit that allows a driver to own a yellow cab instead of working for someone else. If Mr. Hoque gave him $50,000 that day, he promised to arrange a loan for the purchase.

    After years chafing under bosses he hated, Mr. Hoque thought his dreams of wealth and independence were coming true. He emptied his bank account, borrowed from friends and hurried to the man’s office in Astoria, Queens. Mr. Hoque handed over a check and received a stack of papers. He signed his name and left, eager to tell his wife.

    Mr. Hoque made about $30,000 that year. He had no idea, he said later, that he had just signed a contract that required him to pay $1.7 million.

    Over the past year, a spate of suicides by taxi drivers in New York City has highlighted in brutal terms the overwhelming debt and financial plight of medallion owners. All along, officials have blamed the crisis on competition from ride-hailing companies such as Uber and Lyft.

    But a New York Times investigation found much of the devastation can be traced to a handful of powerful industry leaders who steadily and artificially drove up the price of taxi medallions, creating a bubble that eventually burst. Over more than a decade, they channeled thousands of drivers into reckless loans and extracted hundreds of millions of dollars before the market collapsed.

    These business practices generated huge profits for bankers, brokers, lawyers, investors, fleet owners and debt collectors. The leaders of nonprofit credit unions became multimillionaires. Medallion brokers grew rich enough to buy yachts and waterfront properties. One of the most successful bankers hired the rap star Nicki Minaj to perform at a family party.

    But the methods stripped immigrant families of their life savings, crushed drivers under debt they could not repay and engulfed an industry that has long defined New York. More than 950 medallion owners have filed for bankruptcy, according to a Times analysis of court records. Thousands more are barely hanging on.

    The practices were strikingly similar to those behind the housing market crash that led to the 2008 global economic meltdown: Banks and loosely regulated private lenders wrote risky loans and encouraged frequent refinancing; drivers took on debt they could not afford, under terms they often did not understand.

    Some big banks even entered the taxi industry in the aftermath of the housing crash, seeking a new market, with new borrowers.

    The combination of easy money, eager borrowers and the lure of a rare asset helped prices soar far above what medallions were really worth. Some industry leaders fed the frenzy by purposefully overpaying for medallions in order to inflate prices, The Times found.

    Between 2002 and 2014, the price of a medallion rose to more than $1 million from $200,000, even though city records showed that driver incomes barely changed.

    About 4,000 drivers bought medallions in that period, records show. They were excited to buy, but they were enticed by a dubious premise.

    What Actually Happened to New York’s Taxi DriversMay 28, 2019

    After the medallion market collapsed, Mayor Bill de Blasio opted not to fund a bailout, and earlier this year, the City Council speaker, Corey Johnson, shut down the committee overseeing the taxi industry, saying it had completed most of its work.

    Over 10 months, The Times interviewed 450 people, built a database of every medallion sale since 1995 and reviewed thousands of individual loans and other documents, including internal bank records and confidential profit-sharing agreements.

    The investigation found example after example of drivers trapped in exploitative loans, including hundreds who signed interest-only loans that required them to pay exorbitant fees, forfeit their legal rights and give up almost all their monthly income, indefinitely.

    A Pakistani immigrant who thought he was just buying a car ended up with a $780,000 medallion loan that left him unable to pay rent. A Bangladeshi immigrant said he was told to lie about his income on his loan application; he eventually lost his medallion. A Haitian immigrant who worked to exhaustion to make his monthly payments discovered he had been paying only interest and went bankrupt.

    Abdur Rahim, who is from Bangladesh, is one of several cab drivers who allege they were duped into signing exploitative loans. 
    It is unclear if the practices violated any laws. But after reviewing The Times’s findings, experts said the methods were among the worst that have been used since the housing crash.

    “I don’t think I could concoct a more predatory scheme if I tried,” said Roger Bertling, the senior instructor at Harvard Law School’s clinic on predatory lending and consumer protection. “This was modern-day indentured servitude.”

    Lenders developed their techniques in New York but spread them to Chicago, Boston, San Francisco and elsewhere, transforming taxi industries across the United States.

    In interviews, lenders denied wrongdoing. They noted that regulators approved their practices, and said some borrowers made poor decisions and assumed too much debt. They said some drivers were happy to use climbing medallion values as collateral to take out cash, and that those who sold their medallions at the height of the market made money.

    The lenders said they believed medallion values would keep increasing, as they almost always had. No one, they said, could have predicted Uber and Lyft would emerge to undercut the business.

    “People love to blame banks for things that happen because they’re big bad banks,” said Robert Familant, the former head of Progressive Credit Union, a small nonprofit that specialized in medallion loans. “We didn’t do anything, in my opinion, other than try to help small businesspeople become successful.”

    Mr. Familant made about $30 million in salary and deferred payouts during the bubble, including $4.8 million in bonuses and incentives in 2014, the year it burst, according to disclosure forms.

    Meera Joshi, who joined the Taxi and Limousine Commission in 2011 and became chairwoman in 2014, said it was not the city’s job to regulate lending. But she acknowledged that officials saw red flags and could have done something.

    “There were lots of players, and lots of people just watched it happen. So the T.L.C. watched it happen. The lenders watched it happen. The borrowers watched it happen as their investment went up, and it wasn’t until it started falling apart that people started taking action and pointing fingers,” said Ms. Joshi, who left the commission in March. “It was a party. Why stop it?”

    Every day, about 250,000 people hail a New York City yellow taxi. Most probably do not know they are participating in an unconventional economic system about as old as the Empire State Building.

    The city created taxi medallions in 1937. Unlicensed cabs crowded city streets, so officials designed about 12,000 specialized tin plates and made it illegal to operate a taxi without one bolted to the hood of the car. The city sold each medallion for $10.

    People who bought medallions could sell them, just like any other asset. The only restriction: Officials designated roughly half as “independent medallions” and eventually required that those always be owned by whoever was driving that cab.

    Over time, as yellow taxis became symbols of New York, a cutthroat industry grew around them. A few entrepreneurs obtained most of the nonindependent medallions and built fleets that controlled the market. They were family operations largely based in the industrial neighborhoods of Hell’s Kitchen in Manhattan and Long Island City in Queens.

    Allegations of corruption, racism and exploitation dogged the industry. Some fleet bosses were accused of cheating drivers. Some drivers refused to go outside Manhattan or pick up black and Latino passengers. Fleet drivers typically worked 60 hours a week, made less than minimum wage and received no benefits, according to city studies.

    Still, driving could serve as a path to the middle class. Drivers could save to buy an independent medallion, which would increase their earnings and give them an asset they could someday sell for a retirement nest egg.

    Those who borrowed money to buy a medallion typically had to submit a large down payment and repay within five to 10 years.

    The conservative lending strategy produced modest returns. The city did not release new medallions for almost 60 years, and values slowly climbed, hitting $100,000 in 1985 and $200,000 in 1997.

    “It was a safe and stable asset, and it provided a good life for those of us who were lucky enough to buy them,” said Guy Roberts, who began driving in 1979 and eventually bought medallions and formed a fleet. “Not an easy life, but a good life.”

    “And then,” he said, “everything changed.”

    – Before coming to America, Mohammed Hoque lived comfortably in Chittagong, a city on Bangladesh’s southern coast. He was a serious student and a gifted runner, despite a small and stocky frame. His father and grandfather were teachers; he said he surpassed them, becoming an education official with a master’s degree in management. He supervised dozens of schools and traveled on a government-issued motorcycle. In 2004, when he was 33, he married Fouzia Mahabub. -

    That same year, several of his friends signed up for the green card lottery, and their thirst for opportunity was contagious. He applied, and won.

    His wife had an uncle in Jamaica, Queens, so they went there. They found a studio apartment. Mr. Hoque wanted to work in education, but he did not speak enough English. A friend recommended the taxi industry.

    It was an increasingly common move for South Asian immigrants. In 2005, about 40 percent of New York cabbies were born in Bangladesh, India or Pakistan, according to the United States Census Bureau. Over all, just 9 percent were born in the United States.

    Mr. Hoque and his wife emigrated from Bangladesh, and have rented the same apartment in Queens since 2005.

    Mr. Hoque joined Taxifleet Management, a large fleet run by the Weingartens, a Russian immigrant family whose patriarchs called themselves the “Three Wise Men.”

    He worked 5 a.m. to 5 p.m., six days a week. On a good day, he said, he brought home $100. He often felt lonely on the road, and he developed back pain from sitting all day and diabetes, medical records show.

    He could have worked fewer shifts. He also could have moved out of the studio. But he drove as much as feasible and spent as little as possible. He had heard the city would soon be auctioning off new medallions. He was saving to buy one.

    Andrew Murstein, left, with his father, Alvin.CreditChester Higgins Jr./The New York Times
    In the early 2000s, a new generation took power in New York’s cab industry. They were the sons of longtime industry leaders, and they had new ideas for making money.

    Few people represented the shift better than Andrew Murstein.

    Mr. Murstein was the grandson of a Polish immigrant who bought one of the first medallions, built one of the city’s biggest fleets and began informally lending to other buyers in the 1970s. Mr. Murstein attended business school and started his career at Bear Stearns and Salomon Brothers, the investment banks.

    When he joined the taxi business, he has said, he pushed his family to sell off many medallions and to establish a bank to focus on lending. Medallion Financial went public in 1996. Its motto was, “In niches, there are riches.”

    Dozens of industry veterans said Mr. Murstein and his father, Alvin, were among those who helped to move the industry to less conservative lending practices. The industry veterans said the Mursteins, as well as others, started saying medallion values would always rise and used that idea to focus on lending to lower-income drivers, which was riskier but more profitable.

    The strategy began to be used by the industry’s other major lenders — Progressive Credit Union, Melrose Credit Union and Lomto Credit Union, all family-run nonprofits that made essentially all their money from medallion loans, according to financial disclosures.

    “We didn’t want to be the one left behind,” said Monte Silberger, Lomto’s controller and then chief financial officer from 1999 to 2017.

    The lenders began accepting smaller down payments. By 2013, many medallion buyers were not handing over any down payment at all, according to an analysis of buyer applications submitted to the city.

    “It got to a point where we didn’t even check their income or credit score,” Mr. Silberger said. “It didn’t matter.”

    Lenders also encouraged existing borrowers to refinance and take out more money when medallion prices rose, according to interviews with dozens of borrowers and loan officers. There is no comprehensive data, but bank disclosures suggest that thousands of owners refinanced.

    Industry veterans said it became common for owners to refinance to buy a house or to put children through college. “You’d walk into the bank and walk out 30 minutes later with an extra $200,000,” said Lou Bakalar, a broker who arranged loans.

    Yvon Augustin has been living with help from his children ever since he declared bankruptcy and lost his taxi medallion.

    Some pointed to the refinancing to argue that irresponsible borrowers fueled the crisis. “Medallion owners were misusing it,” said Aleksey Medvedovskiy, a fleet owner who also worked as a broker. “They used it as an A.T.M.”

    As lenders loosened standards, they increased returns. Rather than raising interest rates, they made borrowers pay a mix of costs — origination fees, legal fees, financing fees, refinancing fees, filing fees, fees for paying too late and fees for paying too early, according to a Times review of more than 500 loans included in legal cases. Many lenders also made borrowers split their loan and pay a much higher rate on the second loan, documents show.

    Lenders also extended loan lengths. Instead of requiring repayment in five or 10 years, they developed deals that lasted as long as 50 years, locking in decades of interest payments. And some wrote interest-only loans that could continue forever.

    “We couldn’t figure out why the company was doing so many interest-only loans,” said Michelle Pirritano, a Medallion Financial loan analyst from 2007 to 2011. “It was a good revenue stream, but it didn’t really make sense as a loan. I mean, it wasn’t really a loan, because it wasn’t being repaid.”

    Almost every loan reviewed by The Times included a clause that spiked the interest rate to as high as 24 percent if it was not repaid in three years. Lenders included the clause — called a “balloon” — so that borrowers almost always had to extend the loan, possibly at a higher rate than in the original terms, and with additional fees.

    Yvon Augustin was caught in one of those loans. He bought a medallion in 2006, a decade after emigrating from Haiti. He said he paid $2,275 every month — more than half his income, he said — and thought he was paying off the loan. But last year, his bank used the balloon to demand that he repay everything. That is when he learned he had been paying only the interest, he said.

    Mr. Augustin, 69, declared bankruptcy and lost his medallion. He lives off assistance from his children.

    During the global financial crisis, Eugene Haber, a lawyer for the taxi industry, started getting calls from bankers he had never met.

    Mr. Haber had written a template for medallion loans in the 1970s. By 2008, his thick mustache had turned white, and he thought he knew everybody in the industry. Suddenly, new bankers began calling his suite in a Long Island office park. Capital One, Signature Bank, New York Commercial Bank and others wanted to issue medallion loans, he said.

    Some of the banks were looking for new borrowers after the housing market collapsed, Mr. Haber said. “They needed somewhere else to invest,” he said. He said he represented some banks at loan signings but eventually became embittered because he believed banks were knowingly lending to people who could not repay.

    Instead of lending directly, the big banks worked through powerful industry players. They enlisted large fleet owners and brokers — especially Neil Greenbaum, Richard Chipman, Savas Konstantinides, Roman Sapino and Basil Messados — to use the banks’ money to lend to medallion buyers. In return, the owners and brokers received a cut of the monthly payments and sometimes an additional fee.

    The fleet owners and brokers, who technically issued the loans, did not face the same scrutiny as banks.

    “They did loans that were frankly insane,” said Larry Fisher, who from 2003 to 2016 oversaw medallion lending at Melrose Credit Union, one of the biggest lenders originally in the industry. “It contributed to the price increases and put a lot of pressure on the rest of us to keep up.”

    Evgeny Freidman, a fleet owner, has said he purposely overbid for taxi medallions in order to drive up their value.CreditSasha Maslov
    Still, Mr. Fisher said, Melrose followed lending rules. “A lot of people tend to blame others for their own misfortune,” he said. “If they want to blame the lender for the medallion going down the tubes the way it has, I think they’re misplaced.”

    Mr. Konstantinides, a fleet owner and the broker and lender who arranged Mr. Hoque’s loans, said every loan issued by his company abided by federal and state banking guidelines. “I am very sympathetic to the plight of immigrant families who are seeking a better life in this country and in this city,” said Mr. Konstantinides, who added that he was also an immigrant.

    Walter Rabin, who led Capital One’s medallion lending division between 2007 and 2012 and has led Signature Bank’s medallion lending division since, said he was one of the industry’s most conservative lenders. He said he could not speak for the brokers and fleet owners with whom he worked.

    Mr. Rabin and other Signature executives denied fault for the market collapse and blamed the city for allowing ride-hail companies to enter with little regulation. “It’s the City of New York that took the biggest advantage of the drivers,” said Joseph J. DePaolo, the president and chief executive of Signature. “It’s not the banks.”

    New York Commercial Bank said in a statement that it began issuing medallion loans before the housing crisis and that they were a very small part of its business. The bank did not engage in risky lending practices, a spokesman said.

    Mr. Messados said in an interview that he disagreed with interest-only loans and other one-sided terms. But he said he was caught between banks developing the loans and drivers clamoring for them. “They were insisting on this,” he said. “What are you supposed to do? Say, ‘I’m not doing the sale?’”

    Several lenders challenged the idea that borrowers were unsophisticated. They said that some got better deals by negotiating with multiple lenders at once.

    Mr. Greenbaum, Mr. Chipman and Mr. Sapino declined to comment, as did Capital One.

    Some fleet owners worked to manipulate prices. In the most prominent example, Evgeny Freidman, a brash Russian immigrant who owned so many medallions that some called him “The Taxi King,” said he purposefully overpaid for medallions sold at city auctions. He reasoned that the higher prices would become the industry standard, making the medallions he already owned worth more. Mr. Freidman, who was partners with Michael Cohen, President Trump’s former lawyer, disclosed the plan in a 2012 speech at Yeshiva University. He recently pleaded guilty to felony tax fraud. He declined to comment.

    As medallion prices kept increasing, the industry became strained. Drivers had to work longer hours to make monthly payments. Eventually, loan records show, many drivers had to use almost all their income on payments.

    “The prices got to be ridiculous,” said Vincent Sapone, the retired manager of the League of Mutual Taxi Owners, an owner association. “When it got close to $1 million, nobody was going to pay that amount of money, unless they came from another country. Nobody from Brooklyn was going to pay that.”

    Some drivers have alleged in court that lenders tricked them into signing loans.

    Muhammad Ashraf, who is not fluent in English, said he thought he was getting a loan to purchase a car but ended up in debt to buy a taxi medallion instead.

    Muhammad Ashraf, a Pakistani immigrant, alleged that a broker, Heath Candero, duped him into a $780,000 interest-only loan. He said in an interview in Urdu that he could not speak English fluently and thought he was just signing a loan to buy a car. He said he found out about the loan when his bank sued him for not fully repaying. The bank eventually decided not to pursue a case against Mr. Ashraf. He also filed a lawsuit against Mr. Candero. That case was dismissed. A lawyer for Mr. Candero declined to comment.

    Abdur Rahim, a Bangladeshi immigrant, alleged that his lender, Bay Ridge Credit Union, inserted hidden fees. In an interview, he added he was told to lie on his loan application. The application, reviewed by The Times, said he made $128,389, but he said his tax return showed he made about $25,000. In court, Bay Ridge has denied there were hidden fees and said Mr. Rahim was “confusing the predatory-lending statute with a mere bad investment.” The credit union declined to comment.

    Several employees of lenders said they were pushed to write loans, encouraged by bonuses and perks such as tickets to sporting events and free trips to the Bahamas.

    They also said drivers almost never had lawyers at loan closings. Borrowers instead trusted their broker to represent them, even though, unbeknown to them, the broker was often getting paid by the bank.

    Stan Zurbin, who between 2009 and 2012 did consulting work for a lender that issued medallion loans, said that as prices rose, lenders in the industry increasingly lent to immigrants.

    “They didn’t have 750 credit scores, let’s just say,” he said. “A lot of them had just come into the country. A lot of them just had no idea what they were signing.”

    The $1 million medallion
    Video
    Mrs. Hoque did not want her husband to buy a medallion. She wanted to use their savings to buy a house. They had their first child in 2008, and they planned to have more. They needed to leave the studio apartment, and she thought a home would be a safer investment.

    But Mr. Hoque could not shake the idea, especially after several friends bought medallions at the city’s February 2014 auction.

    One friend introduced him to a man called “Big Savas.” It was Mr. Konstantinides, a fleet owner who also had a brokerage and a lending company, Mega Funding.

    The call came a few weeks later. A medallion owner had died, and the family was selling for $1 million.

    Mr. Hoque said he later learned the $50,000 he paid up front was just for taxes. Mega eventually requested twice that amount for fees and a down payment, records show. Mr. Hoque said he maxed out credit cards and borrowed from a dozen friends and relatives.

    Fees and interest would bring the total repayment to more than $1.7 million, documents show. It was split into two loans, both issued by Mega with New York Commercial Bank. The loans made him pay $5,000 a month — most of the $6,400 he could earn as a medallion owner.

    Mohammed Hoque’s Medallion Loans Consumed Most of His Taxi Revenue
    After paying his two medallion loans and business costs, Mr. Hoque had about $1,400 left over each month to pay the rent on his studio apartment in Queens and cover his living expenses.

    Estimated monthly revenue $11,845

    Gas $1,500

    Income after expenses $1,400

    Vehicle maintenance $1,300

    Medallion loan 1 $4,114

    Insurance $1,200

    Car loan $650

    Credit card fees $400

    Medallion loan 2 $881

    Other work-related expenses $400

    By the time the deal closed in July 2014, Mr. Hoque had heard of a new company called Uber. He wondered if it would hurt the business, but nobody seemed to be worried.

    As Mr. Hoque drove to the Taxi and Limousine Commission’s downtown office for final approval of the purchase, he fantasized about becoming rich, buying a big house and bringing his siblings to America. After a commission official reviewed his application and loan records, he said he was ushered into the elegant “Taxi of Tomorrow” room. An official pointed a camera. Mr. Hoque smiled.

    “These are little cash cows running around the city spitting out money,” Mr. Murstein said, beaming in a navy suit and pink tie.

    He did not mention he was quietly leaving the business, a move that would benefit him when the market collapsed.

    By the time of the appearance, Medallion Financial had been cutting the number of medallion loans on its books for years, according to disclosures it filed with the Securities and Exchange Commission. Mr. Murstein later said the company started exiting the business and focusing on other ventures before 2010.

    Mr. Murstein declined numerous interview requests. He also declined to answer some written questions, including why he promoted medallions while exiting the business. In emails and through a spokesman, he acknowledged that Medallion Financial reduced down payments but said it rarely issued interest-only loans or charged borrowers for repaying loans too early.

    “Many times, we did not match what our competitors were willing to do and in retrospect, thankfully, we lost the business,” he wrote to The Times.

    Interviews with three former staffers, and a Times review of loan documents that were filed as part of lawsuits brought by Medallion Financial against borrowers, indicate the company issued many interest-only loans and routinely included a provision allowing it to charge borrowers for repaying loans too early.

    Other lenders also left the taxi industry or took precautions long before the market collapsed.

    The credit unions specializing in the industry kept making new loans. But between 2010 and 2014, they sold the loans to other financial institutions more often than in the previous five years, disclosure forms show. Progressive Credit Union, run by Mr. Familant, sold loans off almost twice as often, the forms show. By 2012, that credit union was selling the majority of the loans it issued.

    In a statement, Mr. Familant said the selling of loans was a standard banking practice that did not indicate a lack of confidence in the market.

    Several banks used something called a confession of judgment. It was an obscure document in which the borrower admitted defaulting on the loan — even before taking out any money at all — and authorized the bank to do whatever it wanted to collect.

    Larry Fisher was the medallion lending supervisor at Melrose Credit Union, one of the biggest lenders originally in the industry, from 2003 to 2016.
    Congress has banned that practice in consumer loans, but not in business loans, which is how lenders classified medallion deals. Many states have barred it in business loans, too, but New York is not among them.

    Even as some lenders quietly braced for the market to fall, prices kept rising, and profits kept growing.

    By 2014, many of the people who helped create the bubble had made millions of dollars and invested it elsewhere.

    Medallion Financial started focusing on lending to R.V. buyers and bought a professional lacrosse team and a Nascar team, painting the car to look like a taxi. Mr. Murstein and his father made more than $42 million between 2002 and 2014, disclosures show. In 2015, Ms. Minaj, the rap star, performed at his son’s bar mitzvah.

    The Melrose C.E.O., Alan Kaufman, had the highest base salary of any large state-chartered credit union leader in America in 2013 and 2015, records show. His medallion lending supervisor, Mr. Fisher, also made millions.

    It is harder to tell how much fleet owners and brokers made, but in recent years news articles have featured some of them with new boats and houses.

    Mr. Messados’s bank records, filed in a legal case, show that by 2013, he had more than $50 million in non-taxi assets, including three homes and a yacht.

    The bubble bursts

    At least eight drivers have committed suicide, including three medallion owners with overwhelming loans.
    The medallion bubble burst in late 2014. Uber and Lyft may have hastened the crisis, but virtually all of the hundreds of industry veterans interviewed for this article, including many lenders, said inflated prices and risky lending practices would have caused a collapse even if ride-hailing had never been invented.

    At the market’s height, medallion buyers were typically earning about $5,000 a month and paying about $4,500 to their loans, according to an analysis by The Times of city data and loan documents. Many owners could make their payments only by refinancing when medallion values increased, which was unsustainable, some loan officers said.

    City data shows that since Uber entered New York in 2011, yellow cab revenue has decreased by about 10 percent per cab, a significant bite for low-earning drivers but a small drop compared with medallion values, which initially rose and then fell by 90 percent.

    As values fell, borrowers asked for breaks. But many lenders went the opposite direction. They decided to leave the business and called in their loans.

    They used the confessions to get hundreds of judgments that would allow them to take money from bank accounts, court records show. Some tried to get borrowers to give up homes or a relative’s assets. Others seized medallions and quickly resold them for profit, while still charging the original borrowers fees and extra interest. Several drivers have alleged in court that their lenders ordered them to buy life insurance.

    Many lenders hired a debt collector, Anthony Medina, to seize medallions from borrowers who missed payments.

    The scars left on cabs after medallions were removed.

    Mr. Medina left notes telling borrowers they had to give the lender “relief” to get their medallions back. The notes, which were reviewed by The Times, said the seizure was “authorized by vehicle apprehension unit.” Some drivers said Mr. Medina suggested he was a police officer and made them meet him at a park at night and pay $550 extra in cash.

    One man, Jean Demosthenes, a 64-year-old Haitian immigrant who could not speak English, said in an interview in Haitian Creole that Mr. Medina cornered him in Midtown, displayed a gun and took his car.

    In an interview, Mr. Medina denied threatening anyone with a gun. He said he requested cash because drivers who had defaulted could not be trusted to write good checks. He said he met drivers at parks and referred to himself as the vehicle apprehension unit because he wanted to hide his identity out of fear he could be targeted by borrowers.

    “You’re taking words from people that are deadbeats and delinquent people. Of course, they don’t want to see me,” he said. “I’m not the bad guy. I’m just the messenger from the bank.”

    Some lenders, especially Signature Bank, have let borrowers out of their loans for one-time payments of about $250,000. But to get that money, drivers have had to find new loans. Mr. Greenbaum, a fleet owner, has provided many of those loans, sometimes at interest rates of up to 15 percent, loan documents and interviews showed.

    New York Commercial Bank said in its statement it also had modified some loans.

    Other drivers lost everything. Most of the more than 950 owners who declared bankruptcy had to forfeit their medallions. Records indicate many were bought by hedge funds hoping for prices to rise. For now, cabs sit unused.

    Jean Demosthenes said his medallion was repossessed by a man with a gun. The man denied that he was armed.

    Bhairavi Desai, founder of the Taxi Workers Alliance, which represents drivers and independent owners, has asked the city to bail out owners or refund auction purchasers. Others have urged the city to pressure banks to forgive loans or soften terms.

    After reviewing The Times’s findings, Deepak Gupta, a former top official at the United States Consumer Financial Protection Bureau, said the New York Attorney General’s Office should investigate lenders.

    Mr. Gupta also said the state should close the loophole that let lenders classify medallion deals as business loans, even though borrowers had to guarantee them with everything they owned. Consumer loans have far more disclosure rules and protections.

    “These practices were indisputably predatory and would be illegal if they were considered consumer loans, rather than business loans,” he said.

    Last year, amid eight known suicides of drivers, including three medallion owners with overwhelming loans, the city passed a temporary cap on ride-hailing cars, created a task force to study the industry and directed the city taxi commission to do its own analysis of the debt crisis.

    Earlier this year, the Council eliminated the committee overseeing the industry after its chairman, Councilman Rubén Díaz Sr. of the Bronx, said the Council was “controlled by the homosexual community.” The speaker, Mr. Johnson, said, “The vast majority of the legislative work that we have been looking at has already been completed.”

    In a statement, a council spokesman said the committee’s duties had been transferred to the Committee on Transportation. “The Council is working to do as much as it can legislatively to help all drivers,” the spokesman said.

    As of last week, no one had been appointed to the task force.

    On the last day of 2018, Mr. and Mrs. Hoque brought their third child home from the hospital.

    Mr. Hoque cleared space for the boy’s crib, pushing aside his plastic bags of T-shirts and the fan that cooled the studio. He looked around. He could not believe he was still living in the same room.

    His loan had quickly faltered. He could not make the payments and afford rent, and his medallion was seized. Records show he paid more than $12,000 to Mega, and he said he paid another $550 to Mr. Medina to get it back. He borrowed from friends, promising it would not happen again. Then it happened four more times, he said.

    Mr. Konstantinides, the broker, said in his statement that he met with Mr. Hoque many times and twice modified one of his loans in order to lower his monthly payments. He also said he gave Mr. Hoque extra time to make some payments.

    In all, between the initial fees, monthly payments and penalties after the seizures, Mr. Hoque had paid about $400,000 into the medallion by the beginning of this year.

    But he still owed $915,000 more, plus interest, and he did not know what to do. Bankruptcy would cost money, ruin his credit and remove his only income source. And it would mean a shameful end to years of hard work. He believed his only choice was to keep working and to keep paying.

    His cab was supposed to be his ticket to money and freedom, but instead it seemed like a prison cell. Every day, he got in before the sun rose and stayed until the sky began to darken. Mr. Hoque, now 48, tried not to think about home, about what he had given up and what he had dreamed about.

    “It’s an unhuman life,” he said. “I drive and drive and drive. But I don’t know what my destination is.”

    [Read Part 2 of The Times’s investigation: As Thousands of Taxi Drivers Were Trapped in Loans, Top Officials Counted the Money]

    Reporting was contributed by Emma G. Fitzsimmons, Suzanne Hillinger, Derek M. Norman, Elisha Brown, Lindsey Rogers Cook, Pierre-Antoine Louis and Sameen Amin. Doris Burke and Susan Beachy contributed research. Produced by Jeffrey Furticella and Meghan Louttit.

    Follow Brian M. Rosenthal on Twitter at @brianmrosenthal

    #USA #New_York #Taxi #Betrug #Ausbeutung

  • Opinion | Do Not Trust That Stranger’s 5-Star Review - The New York Times
    https://www.nytimes.com/2019/05/25/opinion/sunday/five-star-customer-reviews.html

    Stars beget sales. According to an often mentioned Harvard Business School working paper that studied restaurant reviews on Yelp, each added star is associated with a 5 percent to 9 percent increase in revenue. Not surprisingly, then, new businesses have sprung up to exploit the rating system to the seller’s or the platform’s advantage.

    Finally, it’s hard to know what the stars even mean. Often times, whether it’s a mattress or can opener or an Uber driver, a five-star rating means “nothing disastrous happened,” said Nikhil Garg, a doctoral candidate at Stanford University. A recent study he co-wrote reported that 80 percent of people gave freelancers hired from an online platform five stars. But when he asked people to choose from different words (“terrible,” “mediocre,” “best possible,” etc.), at least half of the freelancers earned the equivalent of a two-, three- or four-star review.

    In the case of hotels, said Dr. Cotte, five stars typically means “everything is what I expected.” I’m assuming this is how the Hampton Inn averaged a five-star rating on my recent search for a hotel in Maine, compared to several luxury resorts that rated only a four.

    The experts confirmed what I knew, but resisted, all along. If you really want to find the best product or service for your needs, you’ll need to exert some effort. But it’s also worth remembering that if you don’t, it’s no big deal.

    As Dr. Salganik explained, even if a system is gamed, the worst product probably won’t end up at the top of your screen for long; assuming there’s a considerable difference in quality among the options, it will eventually be knocked down. But if the products are pretty similar, then yes, it’s possible that the very best one will actually not float to the very top — though that’s no tragedy either. As Barry Schwartz, the author of “The Paradox of Choice,” argues, if everything is essentially the same, then there’s nothing wrong with ending up with a product that’s the second- or third-best of the heap.

  • Opinion | Do Not Trust That Stranger’s 5-Star Review - The New York Times
    https://www.nytimes.com/2019/05/25/opinion/sunday/five-star-customer-reviews.html

    Bon papier sur les évaluations en ligne.

    Stars beget sales. According to an often mentioned Harvard Business School working paper that studied restaurant reviews on Yelp, each added star is associated with a 5 percent to 9 percent increase in revenue. Not surprisingly, then, new businesses have sprung up to exploit the rating system to the seller’s or the platform’s advantage.

    Finally, it’s hard to know what the stars even mean. Often times, whether it’s a mattress or can opener or an Uber driver, a five-star rating means “nothing disastrous happened,” said Nikhil Garg, a doctoral candidate at Stanford University. A recent study he co-wrote reported that 80 percent of people gave freelancers hired from an online platform five stars. But when he asked people to choose from different words (“terrible,” “mediocre,” “best possible,” etc.), at least half of the freelancers earned the equivalent of a two-, three- or four-star review.

    In the case of hotels, said Dr. Cotte, five stars typically means “everything is what I expected.” I’m assuming this is how the Hampton Inn averaged a five-star rating on my recent search for a hotel in Maine, compared to several luxury resorts that rated only a four.

    The experts confirmed what I knew, but resisted, all along. If you really want to find the best product or service for your needs, you’ll need to exert some effort. But it’s also worth remembering that if you don’t, it’s no big deal.

    As Dr. Salganik explained, even if a system is gamed, the worst product probably won’t end up at the top of your screen for long; assuming there’s a considerable difference in quality among the options, it will eventually be knocked down. But if the products are pretty similar, then yes, it’s possible that the very best one will actually not float to the very top — though that’s no tragedy either. As Barry Schwartz, the author of “The Paradox of Choice,” argues, if everything is essentially the same, then there’s nothing wrong with ending up with a product that’s the second- or third-best of the heap.

    #E-commerce #Evaluation #Avis_utilisateurs

  • Opinion | Do Not Trust That Stranger’s 5-Star Review - The New York Times
    https://www.nytimes.com/2019/05/25/opinion/sunday/five-star-customer-reviews.html

    Stars beget sales. According to an often mentioned Harvard Business School working paper that studied restaurant reviews on Yelp, each added star is associated with a 5 percent to 9 percent increase in revenue. Not surprisingly, then, new businesses have sprung up to exploit the rating system to the seller’s or the platform’s advantage.

    Finally, it’s hard to know what the stars even mean. Often times, whether it’s a mattress or can opener or an Uber driver, a five-star rating means “nothing disastrous happened,” said Nikhil Garg, a doctoral candidate at Stanford University. A recent study he co-wrote reported that 80 percent of people gave freelancers hired from an online platform five stars. But when he asked people to choose from different words (“terrible,” “mediocre,” “best possible,” etc.), at least half of the freelancers earned the equivalent of a two-, three- or four-star review.

    In the case of hotels, said Dr. Cotte, five stars typically means “everything is what I expected.” I’m assuming this is how the Hampton Inn averaged a five-star rating on my recent search for a hotel in Maine, compared to several luxury resorts that rated only a four.

    The experts confirmed what I knew, but resisted, all along. If you really want to find the best product or service for your needs, you’ll need to exert some effort. But it’s also worth remembering that if you don’t, it’s no big deal.

    As Dr. Salganik explained, even if a system is gamed, the worst product probably won’t end up at the top of your screen for long; assuming there’s a considerable difference in quality among the options, it will eventually be knocked down. But if the products are pretty similar, then yes, it’s possible that the very best one will actually not float to the very top — though that’s no tragedy either. As Barry Schwartz, the author of “The Paradox of Choice,” argues, if everything is essentially the same, then there’s nothing wrong with ending up with a product that’s the second- or third-best of the heap.

  • In ’Mind Fixers,’ Anne Harrington Explores Role Of Drug Marketing In Mental Illness : Shots - Health News : NPR
    https://www.npr.org/sections/health-shots/2019/05/02/718744068/how-drug-companies-helped-shape-a-shifting-biological-view-of-mental-illness?t=

    Historian and Harvard professor Anne Harrington believes that pharmaceutical companies have played an oversized role in determining how mental illness is treated in the United States — leading to a rise in the use of antidepressant drugs.

    Harrington’s new book, Mind Fixers: Psychiatry’s Troubled Search for the Biology of Mental Illness, chronicles the history of psycho-pharmaceuticals, such as Prozac and Xanax, which have been used to treat depression and anxiety, as well as lithium, the first drug to treat what is now called bipolar disorder.

    • Open Letter from U.S. and Global Sociologists in Support of Brazilian Sociology Departments

      On April 25th, Brazilian President Jair Bolsonaro, along with his Minister of Education, Abraham Weintraub, declared the government’s intent to “decentralize investments in philosophy and sociology” within public universities, and to shift financial support to “areas that give immediate returns to taxpayers, such as veterinary science, engineering, and medicine.”

      As professors, lecturers, graduate students, post-doctoral fellows, and other scholars in sociology and related disciplines at colleges and universities in the United States and worldwide, we write to declare our unwavering support for continued funding for sociology programs at Brazilian universities. We oppose President Bolsonaro’s attempt to disinvest in sociology, or any other program in the humanities or social sciences.

      As historical and contemporary sociologists, we understand that the decades-long marketization of higher education has convinced many politicians - in Brazil, in the United States, and globally - that a university education is valuable only insofar as it is immediately profitable. We reject this premise.

      The purpose of higher education is not to produce “immediate returns” on investments. The purpose of higher education must always be to produce an educated, enriched society that benefits from the collective endeavor to create human knowledge. Higher education is a purpose in and of itself.

      An education in the full range of the arts and sciences is the cornerstone of a liberal arts education. This is as true in Brazil as it is in the United States as it is in any country in the world.

      Brazilian sociology departments produce socially engaged and critical thinkers, both in Brazil and worldwide. Brazilian sociologists contribute to the global production of sociological knowledge. They are our colleagues within the discipline and within our shared departments and institutions. When sociologists from abroad conduct research or other academic work in Brazil, we are welcomed by Brazilian sociologists and by their departments. Many of our own students receive world-class training in sociology at Brazilian universities.

      President Bolsonaro’s intent to defund sociology programs is an affront to the discipline, to the academy, and, most broadly, to the human pursuit of knowledge. This proposal is ill-conceived, and violates principles of academic freedom that ought to be integral to systems of higher education in Brazil, in the United States, and across the globe. We urge the Brazilian government to reconsider its proposition.

      https://sites.google.com/g.harvard.edu/brazil-solidarity

    • Brazilian Government To Defund Philosophy in Public Universities

      Jair M. Bolsonaro, the current president of Brazil, has announced on Twitter his plans to stop government funding of philosophy and sociology in the nation’s public universities.

      A rough translation is: “The Minister of Education, Abraham Weintraub, is studying how to decentralize investment in philosophy and sociology at universities. Students who have already enrolled will not be affected. The objective is to focus on areas that generate immediate return to the taxpayer, such as: veterinary, engineering, and medicine.”

      By way of explanation, he added:

      Again, roughly translated, this says: “The role of the Government is to respect the taxpayer’s money, teaching young people to read, write, and learn job skills that generates income for the person and well-being for the family, which improves the society around them.”

      Those with more knowledge of the situation are encouraged to share what they know in the comments here, or by email to dailynouseditor@gmail.com.

      http://dailynous.com/2019/04/26/brazilian-government-defund-philosophy-public-universities

    • Le post de Rodrigo (reçu par email de @isskein):

      Some friends have written to ask about the Brazilian government’s announcement of an attack on the humanities (http://tiny.cc/d10t5y) –– and, very kindly, how/whether that affected me personally. As I thought other people might be interested, here’s a couple of things.
      Secondary things first: the decision, whatever it is, does not affect me directly, as PUC-Rio is thankfully under the jurisdiction of a rather more stable authority, the Vatican. (Well, the Jesuits, technically –– and let me tell you, one really comes to appreciate the charms of actual warrior priests when faced with the Holy Crusade LARPers we currently have in power.) Indirectly, however, this decision, whatever it is, can have effects across the board.

      “Whatever it is” is the main thing at this point. There is no decision as such yet, and the announcement is quite vague, possibly because, not having much of a clue how the state machine works, they still don’t know how to implement it. “Decentralising funds” doesn’t really mean anything, and public universities have autonomy to employ their resources, so “defunding the humanities” is not something Brasília can decide like that. What this can mean in the long run, however, is two things. One is something that has already been happening for a while and was already expected to get worse: a substantial cut in research funding across the board, but especially for the humanities. This does have an impact on non-public universities as well, or at least the few like PUC that do research, since the vast majority of research in Brazil is publicly funded, particularly in the humanities. The other thing, which was also expected to some extent, is that the new chancellors the government will pick for federal universities will be politically and ideologically aligned with it, and will implement this policy.

      It is worth pointing out that, because of the notoriously perverse way HE recruitment works in Brazil, the humanities tend to be the courses of choice for the students who went to the worst schools (read poor, black, brown, indigenous), as they’re easier to get into. So defunding the humanities is indirectly also a policy of restricting access to HE, reverting the positive trend of expansion established in the last two decades. With the economic crisis, of course, that reversal had already begun.

      Now, as for the context. This government’s ideological core is not just anti-intellectual, but made up of wannabe alt-right ideologues, conspiracy nuts and a bunch of ressentis who managed to square their belief in free competition with their utter failure in life by constructing the fantasy of a communist-globalist plot against the(ir) world. Less charmingly, they are historical revisionists (regarding the dictatorship, the Nazis, slavery...) and climate denialists. It is therefore in their interest to eliminate anything that refers to a reality other than the one they have fabricated or deals with the development of critical tools for analysing evidence. This extends to the war they are already waging against the state departments that deal with the census, statistics and applied research. The more they can make the world inaccessible by either fact or interpretation, the freer they are from the resistance imposed by reality –– including from the very possibility of statistically assessing the impact that their actions will have.

      Why now, though? Bolsonaro is too divisive and politically inept, his programme potentially too harmful, to build a stable majority. It’s still unclear whether he can deliver a pension reform, which is essential to ensure the continuing support of big capital, and his popularity rates have taken a considerable fall since January, especially among the poor. (See: https://tinyurl.com/yyl2kff7). He knows, on the other hand, that his greatest asset is a very engaged core base of true believers. US friends will be familiar with this behaviour from Trump: whenever the boat rocks, he will throw his base a bait, and this is mostly what this announcement is.

      Unlike Trump, Bolsonaro doesn’t even have economic recovery going for him, so if things remain as they are, we should expect him to become more divisive, and his support to become more unstable (in every sense). But there’s another political rationale to this attack specifically. As more poor people were making it into university, especially in the humanities, the left was also losing most of its direct presence in the peripheries and favelas. This means that this layer of the university-educated poor, who have increasingly taken on a protagonist role, have become central to any future left strategy in the country. This was the background from which hailed Marielle Franco, an object of especially vicious hate for Bolsonarismo, and in relation to whose death they still have serious questions to answer (https://tinyurl.com/y3btg54d).

      If you’re worried and you’d like to help, stay tuned to this story, stay in touch with colleagues in Brazil or in your countries/institutions who are doing stuff on Brazil, keep an eye on the news and be ready to call out reporting in your countries that normalises the absurdity of so much that’s going on. It might be a tad premature right now, but motions from union branch and professional association motions might be in a good order at some point; every little bit helps. It is likely that there’ll be opportunities in the future for putting pressure on foreign governments to get them to put pressure on Brazil to curb the worst impulses of this government. Several measures announced in these early months were retracted once there was some pushback, so that does not seem a far-fetched possibility. In the meantime, you might consider circulating this manifesto by 600 scientists from all over the world demanding that the EU hold Brazilian trade to minimal indigenous rights and environmental standards: https://science.sciencemag.org/content/364/6438/341.1. This is the kind of thing we’ll probably be seeing more of in the near future.

    • MEC bloqueia 30% do orçamento de três universidades federais; outras unidades também são atingidas

      Mãos de tesoura Entidades que monitoram o investimento no ensino superior detectaram novo bloqueio de verbas de instituições federais no fim de abril, após Abraham Weintraub assumir o Ministério da Educação. Cerca de R$ 230 milhões foram contingenciados.

      Mãos de tesoura 2 Várias unidades do país sofreram com o congelamento de valores previstos no orçamento de investimentos e outras despesas correntes, mas o volume da tesourada em três universidades chamou a atenção: a Federal da Bahia, a de Brasília e a Federal Fluminense.

      Mãos de tesoura 3 De acordo com números preliminares, o valor bloqueado nas três entidades corresponde a mais da metade do contingenciamento imposto a todas as universidades. Procurado, o MEC informou que UFBA, UnB e UFF tiveram 30% das dotações orçamentárias bloqueadas.

      Mãos de tesoura 4 Em nota, a pasta disse que “estuda os bloqueios de forma que nenhum programa seja prejudicado e que os recursos sejam utilizados da forma mais eficaz. O Programa de Assistência Estudantil não sofreu impacto em seu orçamento.”

      Verão passado Em 2018, a UFF foi palco de um rumoroso “ato contra o fascismo”, na reta final da eleição presidencial. Já a UnB foi palco recentemente de debates com Fernando Haddad (PT) e Guilherme Boulos (PSOL).

      https://outline.com/NwUD9a

    • British Philosophical Association Defends Philosophy in Brazil

      The Executive Committee of the British Philosophical Association (BPA) has issued a statement responding to Brazil’s president, Jair Bolsonaro, who last week proposed that federal funding for the study and teaching of philosophy and sociology be ended.


      The statement reads:
      The British Philosophical Association is highly alarmed by President Bolsonaro’s plans to remove funding from Philosophy and Sociology in Brazilian Universities. Such a move is not in Brazil’s interests – having well-funded, vibrant, internationally-connected philosophy and sociology departments is crucial to healthy universities and, by extension, to healthy societies. Philosophers, alongside colleagues in the humanities, arts and social sciences, have a crucial role in helping us to understand, question, invent and reinvent the communities, towns, cities, societies and economies in which we exist. They help us understand what is valuable and why. They help us understand the results and implications of the fruits of science and technology.

      The proposal to defund philosophy departments in Brazil is bad for philosophy as a worldwide discipline; philosophy directly benefits from the diversity of experiences of the people that contribute to it. Brazil has been home to generations of distinguished philosophy scholars: Paulo Freire, Oswaldo Chateaubriand, Newton da Costa, Walter Carnielli, Itala D’ottaviano, Vladimir Safatle, Ana Paula Cavalcanti Simioni to name but a few. Brazil’s philosophy departments attract visiting philosophers from all over the world to study alongside leading figures. Brazil’s universities have produced philosophers who have gone on to work at leading universities around the world; for example, Roberto Mangabeira Unger is Professor at Harvard Law School, and two of the three Editors-in-Chief of Synthese, one of the world’s top ranking philosophy journals, are Brazilian and trained at the University of Sao Paulo – Catarina Dutilh Novaes and Otavio Bueno.

      This move strikes a blow against academic freedom and freedom more broadly; while President Bolsonaro’s statements have been framed as an attempt to channel investment towards programmes of study which might provide shorter-term benefits to Brazil’s economy, the BPA note that authoritarian governments often attempt to silence philosophers and sociologists as a move to make it more difficult for people to express views critical of those in power. The British Philosophical Association calls on leaders around the world to urge President Bolsonaro to reconsider this move.

      http://dailynous.com/2019/05/01/british-philosophical-association-defends-philosophy-brazil

    • La direction du président Jair Bolsonaro (PSL) a bloqué les dernières heures de bourses d’études et de doctorat offertes par Capes (Coordination pour l’amélioration du personnel de l’enseignement supérieur).
      Selon les informations communiquées par les coordonnateurs de programme, les fonds inutilisés temporairement auraient été retirés du système d’agence de développement rattaché au ministère de l’Éducation.

      Les bourses ont été accordées à des étudiants ayant déjà défendu leur travail récemment et seraient destinées à des étudiants approuvés dans le cadre de processus de sélection terminés ou en cours.

      La coupure a pris les universités par surprise a touché non seulement les domaines de l’homme, mais la direction du ministre Abraham Weintraub a déclaré que ce n’était pas la priorité des investissements publics, mais également de la science.

      À l’Institute of Biosciences of USP, 38 bourses d’études ont été coupées - 17 masters, 19 doctorats et deux postdoctoraux.
      voir plus :

      https://www.tudosobreposgraduacao.com/post/gest%C3%A3o-bolsonaro-faz-corte-generalizado-em-bolsas-de-pes

  • U.S. denies entry to BDS founder Omar Barghouti
    Noa Landau | Apr 11, 2019 7:22 PM | Haaretz.com
    https://www.haaretz.com/us-news/bds-founder-omar-barghouti-denied-entry-to-the-united-states-1.7110679

    The U.S. government denied entry to co-founder of the boycott, divestment and sanctions movement Omar Barghouti on Thursday.

    Airline staff at Israel’s Ben Gurion International Airport informed Barghouti that he could not fly to the United States, despite holding valid travel documents. He was told that U.S. immigration officials ordered the American consul in Tel Aviv to deny him permission to board the flight.

    Barghouti was told that it is an “immigration matter,” according to a statement by the Arab American Institute, a Washington-based advocacy group. They added that Barghouti often faces travel restrictions from Israel, but not from the United States.

    Barghouti was set to attend his daughter’s wedding, who lives in the United States. He was also set to speak at Harvard, New York University and a Philidelphia bookstore owned by Marc Lemont Hill, whose contract at CNN was terminated last year over his support for Palestinian rights. (...)

    #expulsions #renvois

  • First #Geneva_Declaration_on_Human_Rights_at_Sea published

    The first version of the inaugural ‘Geneva Declaration on Human Rights at Sea‘ is today published by Human Rights at Sea after the initial drafting session was held in Switzerland on 20-21 March 2019 at the Graduate Instiute of International and Development Studies, Geneva.

    The Declaration was first announced to students in Malta on 4 April at the IMO International Maritime Law Institute (IMLI) during the second Human Rights and the Law of the Sea workshop held in co-ordination with the Stockton Centre for International Law; and today will be briefed at the World Maritime University, Malmo, Sweden during the Empowering Women in the Maritime Community conference by the charity’s Iranian researcher, Sayedeh Hajar Hejazi.

    The principal aim of the Declaration is to raise global awareness of the abuse of human rights at sea and to mobilise a concerted international effort to put an end to it.

    It recognises established International Human Rights Law and International Maritime Law, highlights the applicable legal assumptions, and reflects the emerging development and customary use of the increased cross-over of the two bodies of law.

    The concept of human rights at sea rests on four fundamental principles: 1. Human rights apply at sea to exactly the same degree and extent that they do on land. 2. All persons at sea, without any distinction, enjoy human rights at sea. 3. There are no maritime specific rules allowing derogation from human rights standards. 4. All human rights established under treaty and customary international law must be respected at sea.

    The core drafting team comprises: Professor Anna Petrig, LL.M. (Harvard), University of Basel, Switzerland, Professor Irini Papanicolopulu, University of Milano-Bicocca, Italy, Professor Steven Haines, Greenwich University, United Kingdom and David Hammond Esq. BSc (Hons), PgDL, Human Rights at Sea, United Kingdom. It is supported by Elisabeth Mavropoulou LL.M. (Westminster), Sayedeh Hajar Hejazi LL.M. (Symbiosis India).

    The first drafting round was supported with input and observers from multiple UN agencies, leading human rights lawyers, international and civil society organisations.

    The second drafting session will be held in Geneva in May.


    https://www.humanrightsatsea.org/2019/04/05/first-geneva-declaration-on-human-rights-at-sea-published
    #mer #droits_humains #déclaration
    ping @reka @simplicissimus

    Pour télécharger la déclaration :
    https://www.humanrightsatsea.org/wp-content/uploads/2019/04/HRAS_GENEVA_DECLARATION_ON_HUMAN_RIGHTS_AT_SEA_5_April_2019_Versio

  • YouTube Executives Ignored Warnings, Let Toxic Videos Run Rampant - Bloomberg
    https://www.bloomberg.com/news/features/2019-04-02/youtube-executives-ignored-warnings-letting-toxic-videos-run-rampant

    Wojcicki’s media behemoth, bent on overtaking television, is estimated to rake in sales of more than $16 billion a year. But on that day, Wojcicki compared her video site to a different kind of institution. “We’re really more like a library,” she said, staking out a familiar position as a defender of free speech. “There have always been controversies, if you look back at libraries.”

    Since Wojcicki took the stage, prominent conspiracy theories on the platform—including one on child vaccinations; another tying Hillary Clinton to a Satanic cult—have drawn the ire of lawmakers eager to regulate technology companies. And YouTube is, a year later, even more associated with the darker parts of the web.

    The conundrum isn’t just that videos questioning the moon landing or the efficacy of vaccines are on YouTube. The massive “library,” generated by users with little editorial oversight, is bound to have untrue nonsense. Instead, YouTube’s problem is that it allows the nonsense to flourish. And, in some cases, through its powerful artificial intelligence system, it even provides the fuel that lets it spread.

    Mais justement NON ! Ce ne peut être une “bibliothèque”, car une bibliothèque ne conserve que des documents qui ont été publiés, donc avec déjà une première instance de validation (ou en tout cas de responsabilité éditoriale... quelqu’un ira en procès le cas échéant).

    YouTube est... YouTube, quelque chose de spécial à internet, qui remplit une fonction majeure... et également un danger pour la pensée en raison de “l’économie de l’attention”.

    The company spent years chasing one business goal above others: “Engagement,” a measure of the views, time spent and interactions with online videos. Conversations with over twenty people who work at, or recently left, YouTube reveal a corporate leadership unable or unwilling to act on these internal alarms for fear of throttling engagement.

    In response to criticism about prioritizing growth over safety, Facebook Inc. has proposed a dramatic shift in its core product. YouTube still has struggled to explain any new corporate vision to the public and investors – and sometimes, to its own staff. Five senior personnel who left YouTube and Google in the last two years privately cited the platform’s inability to tame extreme, disturbing videos as the reason for their departure. Within Google, YouTube’s inability to fix its problems has remained a major gripe. Google shares slipped in late morning trading in New York on Tuesday, leaving them up 15 percent so far this year. Facebook stock has jumped more than 30 percent in 2019, after getting hammered last year.

    YouTube’s inertia was illuminated again after a deadly measles outbreak drew public attention to vaccinations conspiracies on social media several weeks ago. New data from Moonshot CVE, a London-based firm that studies extremism, found that fewer than twenty YouTube channels that have spread these lies reached over 170 million viewers, many who were then recommended other videos laden with conspiracy theories.

    So YouTube, then run by Google veteran Salar Kamangar, set a company-wide objective to reach one billion hours of viewing a day, and rewrote its recommendation engine to maximize for that goal. When Wojcicki took over, in 2014, YouTube was a third of the way to the goal, she recalled in investor John Doerr’s 2018 book Measure What Matters.

    “They thought it would break the internet! But it seemed to me that such a clear and measurable objective would energize people, and I cheered them on,” Wojcicki told Doerr. “The billion hours of daily watch time gave our tech people a North Star.” By October, 2016, YouTube hit its goal.

    YouTube doesn’t give an exact recipe for virality. But in the race to one billion hours, a formula emerged: Outrage equals attention. It’s one that people on the political fringes have easily exploited, said Brittan Heller, a fellow at Harvard University’s Carr Center. “They don’t know how the algorithm works,” she said. “But they do know that the more outrageous the content is, the more views.”

    People inside YouTube knew about this dynamic. Over the years, there were many tortured debates about what to do with troublesome videos—those that don’t violate its content policies and so remain on the site. Some software engineers have nicknamed the problem “bad virality.”

    Yonatan Zunger, a privacy engineer at Google, recalled a suggestion he made to YouTube staff before he left the company in 2016. He proposed a third tier: Videos that were allowed to stay on YouTube, but, because they were “close to the line” of the takedown policy, would be removed from recommendations. “Bad actors quickly get very good at understanding where the bright lines are and skating as close to those lines as possible,” Zunger said.

    His proposal, which went to the head of YouTube policy, was turned down. “I can say with a lot of confidence that they were deeply wrong,” he said.

    Rather than revamp its recommendation engine, YouTube doubled down. The neural network described in the 2016 research went into effect in YouTube recommendations starting in 2015. By the measures available, it has achieved its goal of keeping people on YouTube.

    “It’s an addiction engine,” said Francis Irving, a computer scientist who has written critically about YouTube’s AI system.

    Wojcicki and her lieutenants drew up a plan. YouTube called it Project Bean or, at times, “Boil The Ocean,” to indicate the enormity of the task. (Sometimes they called it BTO3 – a third dramatic overhaul for YouTube, after initiatives to boost mobile viewing and subscriptions.) The plan was to rewrite YouTube’s entire business model, according to three former senior staffers who worked on it.

    It centered on a way to pay creators that isn’t based on the ads their videos hosted. Instead, YouTube would pay on engagement—how many viewers watched a video and how long they watched. A special algorithm would pool incoming cash, then divvy it out to creators, even if no ads ran on their videos. The idea was to reward video stars shorted by the system, such as those making sex education and music videos, which marquee advertisers found too risqué to endorse.

    Coders at YouTube labored for at least a year to make the project workable. But company managers failed to appreciate how the project could backfire: paying based on engagement risked making its “bad virality” problem worse since it could have rewarded videos that achieved popularity achieved by outrage. One person involved said that the algorithms for doling out payments were tightly guarded. If it went into effect then, this person said, it’s likely that someone like Alex Jones—the Infowars creator and conspiracy theorist with a huge following on the site, before YouTube booted him last August—would have suddenly become one of the highest paid YouTube stars.

    In February of 2018, the video calling the Parkland shooting victims “crisis actors” went viral on YouTube’s trending page. Policy staff suggested soon after limiting recommendations on the page to vetted news sources. YouTube management rejected the proposal, according to a person with knowledge of the event. The person didn’t know the reasoning behind the rejection, but noted that YouTube was then intent on accelerating its viewing time for videos related to news.

    #YouTube #Economie_attention #Engagement #Viralité

  • Work-Life Balance & #wellness for Techies
    https://hackernoon.com/work-life-balance-wellness-for-techies-ab0aef29ae80?source=rss----3a8144

    Photo SourceWith any job, passion and the pressure to perform well can lead to overworking yourself. This can be especially hard on those in tech-oriented jobs, who are constantly at a computer. On top of the typical stress and exhaustion that can come from working extra hours, eye strain, neck and back problems, and heart issues can also result from the environments in which these types of jobs are usually situated.Sometimes, the demands of the job can get too high and can hinder both #health and productivity. Here are some tips for improving work-life balance and overall wellness — especially tailored for techies and workers in IT.Give Your Eyes a BreakAccording to a report by Harvard Health Publishing, staring at a computer for long periods of time can lead to computer vision syndrome. (...)

    #tech-industry #technology #work-life-balance

  • Warnings of a Dark Side to A.I. in Health Care - The New York Times
    https://www.nytimes.com/2019/03/21/science/health-medicine-artificial-intelligence.html

    Similar forms of artificial intelligence are likely to move beyond hospitals into the computer systems used by health care regulators, billing companies and insurance providers. Just as A.I. will help doctors check your eyes, lungs and other organs, it will help insurance providers determine reimbursement payments and policy fees.

    Ideally, such systems would improve the efficiency of the health care system. But they may carry unintended consequences, a group of researchers at Harvard and M.I.T. warns.

    In a paper published on Thursday in the journal Science, the researchers raise the prospect of “adversarial attacks” — manipulations that can change the behavior of A.I. systems using tiny pieces of digital data. By changing a few pixels on a lung scan, for instance, someone could fool an A.I. system into seeing an illness that is not really there, or not seeing one that is.

    _ Software developers and regulators must consider such scenarios, as they build and evaluate A.I. technologies in the years to come, the authors argue. The concern is less that hackers might cause patients to be misdiagnosed, although that potential exists. More likely is that doctors, hospitals and other organizations could manipulate the A.I. in billing or insurance software in an effort to maximize the money coming their way. _

    In turn, changing such diagnoses one way or another could readily benefit the insurers and health care agencies that ultimately profit from them. Once A.I. is deeply rooted in the health care system, the researchers argue, business will gradually adopt behavior that brings in the most money.

    The end result could harm patients, Mr. Finlayson said. Changes that doctors make to medical scans or other patient data in an effort to satisfy the A.I. used by insurance companies could end up on a patient’s permanent record and affect decisions down the road.

    Already doctors, hospitals and other organizations sometimes manipulate the software systems that control the billions of dollars moving across the industry. Doctors, for instance, have subtly changed billing codes — for instance, describing a simple X-ray as a more complicated scan — in an effort to boost payouts.

    Hamsa Bastani, an assistant professor at the Wharton Business School at the University of Pennsylvania, who has studied the manipulation of health care systems, believes it is a significant problem. “Some of the behavior is unintentional, but not all of it,” she said.

    #Intelligence_Artificielle #Médecine #Manipulation #Economie_santé

  • What Is Not Your Product’s Job
    https://hackernoon.com/what-is-not-your-products-job-9e1b1577c616?source=rss----3a8144eabfe3---

    Recently, my mom came for a visit. She read my blog and discovered her son has a crazy habit of running barefoot. After some convincing, she begrudgingly accepted my rationale, especially after I showed her that a nice Jewish professor at Harvard said it’s ok.But on one morning, as I was about to walk out the door, my mom stopped me with a tight grab to the arm reminiscent of my childhood. “It’s bad enough you run outside with bare feet but you look ridiculous running with these cheap shmatte gloves.” She always had an eye for spotting the quality of apparel and she correctly identified my Wal-Mart bargain bin gloves, which I bought for $2 per dozen.“Why are you wearing these things?” she exclaimed. “You must be cold! Let me get you a nice pair of warmer gloves. You’re cold, right? Is that the (...)

    #tech #products-job #startup #business #entrepreneurship

  • The Mystery of the Exiled Billionaire Whistle-Blower - The New York Times
    https://www.nytimes.com/2018/01/10/magazine/the-mystery-of-the-exiled-billionaire-whistleblower.html

    From a penthouse on Central Park, Guo Wengui has exposed a phenomenal web of corruption in China’s ruling elite — if, that is, he’s telling the truth.

    By Lauren Hilgers, Jan. 10, 2018

    阅读简体中文版閱讀繁體中文版

    On a recent Saturday afternoon, an exiled Chinese billionaire named Guo Wengui was holding forth in his New York apartment, sipping tea while an assistant lingered quietly just outside the door, slipping in occasionally to keep Guo’s glass cup perfectly full. The tycoon’s Twitter account had been suspended again — it was the fifth or sixth time, by Guo’s count — and he blamed the Communist Party of China. “It’s not normal!” he said, about this cycle of blocking and reinstating. “But it doesn’t matter. I don’t need anyone.”

    Guo’s New York apartment is a 9,000-square-foot residence along Central Park that he bought for $67.5 million in 2015. He sat in a Victorian-style chair, his back to a pair of west-facing windows, the sunset casting craggy shadows. A black-and-white painting of an angry-looking monkey hung on the wall to Guo’s right, a hat bearing a star-and-wreath Soviet insignia on its head and a cigarette hanging from its lips. Guo had arrived dressed entirely in black, except for two silver stripes on each lapel. “I have the best houses,” he told me. Guo had picked his apartment for its location, its three sprawling balconies and the meticulously tiled floor in the entryway. He has the best apartment in London, he said; the biggest apartment in Hong Kong. His yacht is docked along the Hudson River. He is comfortable and, anyway, Guo likes to say that as a Buddhist, he wants for nothing. If it were down to his own needs alone, he would have kept his profile low. But he has a higher purpose. He is going to save China.

    Guo pitches himself as a former insider, a man who knows the secrets of a government that tightly controls the flow of information. A man who, in 2017, did the unthinkable — tearing open the veil of secrecy that has long surrounded China’s political elite, lobbing accusations about corruption, extramarital affairs and murder plots over Facebook and Twitter. His YouTube videos and tweets have drawn in farmers and shopkeepers, democracy activists, writers and businesspeople. In China, people have been arrested for chatting about Guo online and distributing T-shirts with one of his slogans printed on the front (“This is only the beginning!”). In New York, Guo has split a community of dissidents and democracy activists down the middle. Some support him. Others believe that Guo himself is a government spy.

    Nothing in Guo’s story is as straightforward as he would like it to seem. Guo is 47 years old, or 48, or 49. Although he has captured the attention of publications like The Guardian, The New York Times and The Wall Street Journal, the articles that have run about him have offered only hazy details about his life. This is because his biography varies so widely from one source to the next. Maybe his name isn’t even Guo Wengui. It could be Guo Wugui. There are reports that in Hong Kong, Guo occasionally goes by the name Guo Haoyun.

    When pressed, Guo claims a record of unblemished integrity in his business dealings, both in real estate and in finance (when it comes to his personal life, he strikes a more careful balance between virility and dedication to his family). “I never took a square of land from the government,” he said. “I didn’t take a penny of investment from the banks.” If you accept favors, he said, people will try to exploit your weaknesses. So, Guo claims, he opted to take no money and have no weaknesses.

    Yet when Guo left China in 2014, he fled in anticipation of corruption charges. A former business partner had been detained just days before, and his political patron would be detained a few days afterward. In 2015, articles about corruption in Guo’s business dealings — stories that he claims are largely fabrications — started appearing in the media. He was accused of defrauding business partners and colluding with corrupt officials. To hear Guo tell it, his political and business opponents used a national corruption campaign as a cover for a personal vendetta.

    Whatever prompted Guo to take action, his campaign came during an important year for China’s president, Xi Jinping. In October, the Communist Party of China (C.P.C.) convened its 19th National Congress, a twice-a-decade event that sets the contours of political power for the next five years. The country is in the throes of a far-reaching anti-corruption campaign, and Xi has overseen a crackdown on dissidents and human rights activists while increasing investment in censorship and surveillance. Guo has become a thorn in China’s side at the precise moment the country is working to expand its influence, and its censorship program, overseas.

    In November 2017, the Tiananmen Square activist Wang Dan warned of the growing influence of the C.P.C. on university campuses in the United States. His own attempts to hold “China salons” on college campuses had largely been blocked by the Chinese Students and Scholars Association — a group with ties to China’s government. Around the same time, the academic publisher Springer Nature agreed to block access to hundreds of articles on its Chinese site, cutting off access to articles on Tibet, Taiwan and China’s political elite. Reports emerged last year that China is spending hundreds of thousands of dollars quarterly to purchase ads on Facebook (a service that is blocked within China’s borders). In Australia, concerns about China’s growing influence led to a ban on foreign political donations.

    “That’s why I’m telling the United States they should really be careful,” Guo said. China’s influence is spreading, he says, and he believes his own efforts to change China will have global consequences. “Like in an American movie,” he told me with unflinching self-confidence. “In the last minutes, we will save the world.”

    Propaganda, censorship and rewritten histories have long been specialties of authoritarian nations. The aim, as famously explained by the political philosopher Hannah Arendt, is to confuse: to breed a combination of cynicism and gullibility. Propaganda can leave people in doubt of all news sources, suspicious of their neighbors, picking and choosing at random what pieces of information to believe. Without a political reality grounded in facts, people are left unmoored, building their world on whatever foundation — imaginary or otherwise — they might choose.

    The tight grip that the C.P.C. keeps on information may be nothing new, but China’s leadership has been working hard to update the way it censors and broadcasts. People in China distrusted print and television media long before U.S. politicians started throwing around accusations of “fake news.” In 2016, President Xi Jinping was explicit about the arrangement, informing the country’s media that it should be “surnamed Party.” Likewise, while the West has only recently begun to grapple with government-sponsored commenters on social media, China’s government has been manipulating online conversations for over a decade.

    “They create all kinds of confusion,” said Ha Jin, the National Book Award-winning American novelist born in China’s Liaoning Province, and a vocal supporter of Guo. “You don’t know what information you have and whether it’s right. You don’t know who are the informers, who are the agents.”

    Online, the C.P.C. controls information by blocking websites, monitoring content and employing an army of commenters widely known as the 50-cent party. The name was used as early as 2004, when a municipal government in Hunan Province hired a number of online commenters, offering a stipend of 600 yuan, or about $72. Since then, the 50-cent party has spread. In 2016, researchers from Harvard, Stanford and the University of California-San Diego estimated that these paid commenters generated 448 million social-media comments annually. The posts, researchers found, were conflict averse, cheerleading for the party rather than defending it. Their aim seemed not to be engaging in argument but rather distracting the public and redirecting attention from sensitive issues.

    In early 2017, Guo issued his first salvos against China’s ruling elite through more traditional channels. He contacted a handful of Chinese-language media outlets based in the United States. He gave interviews to the Long Island-based publication Mingjing News and to Voice of America — a live event that was cut short by producers, leading to speculation that V.O.A. had caved to Chinese government pressure. He called The New York Times and spoke with reporters at The Wall Street Journal. It did not take long, however, before the billionaire turned to direct appeals through social media. The accusations he made were explosive — he attacked Wang Qishan, Xi Jinping’s corruption czar, and Meng Jianzhu, the secretary of the Central Political and Legal Affairs Commission, another prominent player in Xi’s anti-corruption campaign. He talked about Wang’s mistresses, his business interests and conflicts within the party.

    In one YouTube video, released on Aug. 4, Guo addressed the tension between Wang and another anti-corruption official named Zhang Huawei. He recounted having dinner with Zhang when “he called Wang Qishan’s secretary and gave him orders,” Guo said. “Think about what Wang had to suffer in silence back then. They slept with the same women, and Zhang knew everything about Wang.” In addition, Guo said, Zhang knew about Wang’s corrupt business dealings. When Zhang Huawei was placed under official investigation in April, Guo claimed, it was a result of a grudge.

    “Everyone in China is a slave,” Guo said in the video. “With the exception of the nobility.”

    To those who believe Guo’s claims, they expose a depth of corruption that would surprise even the most jaded opponent of the C.P.C. “The corruption is on such a scale,” Ha Jin said. “Who could imagine that the czar of anti-corruption would himself be corrupt? It is extraordinary.”

    Retaliation came quickly. A barrage of counteraccusations began pouring out against Guo, most published in the pages of the state-run Chinese media. Warrants for his arrest were issued on charges of corruption, bribery and even rape. China asked Interpol to issue a red notice calling for Guo’s arrest and extradition. He was running out of money, it was reported. In September, Guo recorded a video during which he received what he said was a phone call from his fifth brother: Two of Guo’s former employees had been detained, and their family members were threatening suicide. “My Twitter followers are so important they are like heaven to me,” Guo said. But, he declared, he could not ignore the well-being of his family and his employees. “I cannot finish the show as I had planned,” he said. Later, Guo told his followers in a video that he was planning to divorce his wife, in order to shield her from the backlash against him.

    Guo quickly resumed posting videos and encouraging his followers. His accusations continued to accumulate throughout 2017, and he recently started his own YouTube channel (and has yet to divorce his wife). His YouTube videos are released according to no particular schedule, sometimes several days in a row, some weeks not at all. He has developed a casual, talkative style. In some, Guo is running on a treadmill or still sweating after a workout. He has demonstrated cooking techniques and played with a tiny, fluffy dog, a gift from his daughter. He invites his viewers into a world of luxury and offers them a mix of secrets, gossip and insider knowledge.

    Wang Qishan, Guo has claimed, is hiding the money he secretly earned in the Hainan-based conglomerate HNA Group, a company with an estimated $35 billion worth of investments in the United States. (HNA Group denies any ties to Wang and is suing Guo.) He accused Wang of carrying on an affair with the actress Fan Bingbing. (Fan is reportedly suing Guo for defamation.) He told stories of petty arguments among officials and claimed that Chinese officials sabotaged Malaysia Airlines Flight 370, which disappeared in 2014 en route to Beijing, in order to cover up an organ-harvesting scheme. Most of Guo’s accusations have proved nearly impossible to verify.

    “This guy is just covered in question marks,” said Minxin Pei, a professor at Claremont McKenna who specializes in Chinese governance.

    The questions that cover Guo have posed a problem for both the United States government and the Western journalists who, in trying to write about him, have found themselves buffeted by the currents of propaganda, misinformation and the tight-lipped code of the C.P.C. elite. His claims have also divided a group of exiled dissidents and democracy activists — people who might seem like Guo’s natural allies. For the most part, the democracy activists who flee China have been chased from their country for protesting the government or promoting human rights, not because of corruption charges. They tell stories of personal persecution, not insider tales of bribery, sex and money. And perhaps as a consequence, few exiled activists command as large an audience as Guo. “I will believe him,” Ha Jin said, “until one of his serious accusations is proved to be false.”

    Pei, the professor, warns not to take any of Guo’s accusations at face value. The reaction from the C.P.C. has been so extreme, however, that Pei believes Guo must know something. “He must mean something to the government,” he said. “They must be really bothered by this billionaire.” In May, Chinese officials visited Guo on visas that did not allow them to conduct official business, causing a confrontation with the F.B.I. A few weeks later, according to The Washington Times, China’s calls for Guo’s extradition led to a White House showdown, during which Jeff Sessions threatened to resign if Guo was sent back to China.

    Guo has a history of cultivating relationships with the politically influential, and the trend has continued in New York. He famously bought 5,000 copies of a book by Cherie Blair, Tony Blair’s wife. (“It was to give to my employees,” Guo told me. “I often gave my employees books to read.”) Guo has also cultivated a special relationship with Steve Bannon, whom he says he has met with a handful of times, although the two have no financial relationship. Not long after one of their meetings, Bannon appeared on Breitbart Radio and called China “an enemy of incalculable power.”

    Despite Guo’s high-powered supporters and his army of online followers, one important mark of believability has continued to elude him. Western news organizations have struggled to find evidence that would corroborate Guo’s claims. When his claims appear in print, they are carefully hedged — delivered with none of his signature charm and bombast. “Why do you need more evidence?” Guo complained in his apartment. “I can give them evidence, no problem. But while they’re out spending time investigating, I’m waiting around to get killed!”

    The details of Guo’s life may be impossible to verify, but the broad strokes confirm a picture of a man whose fortunes have risen and fallen with the political climate in China. To hear Guo tell it, he was born in Jilin Province, in a mining town where his parents were sent during the Cultural Revolution. “There were foreigners there,” Guo says in a video recorded on what he claims is his birthday. (Guo was born on Feb. 2, or May 10, or sometime in June.) “They had the most advanced machinery. People wore popular clothing.” Guo, as a result, was not ignorant of the world. He was, however, extremely poor. “Sometimes we didn’t even have firewood,” he says. “So we burned the wet twigs from the mountains — the smoke was so thick.” Guo emphasizes this history: He came from hardship. He pulled himself up.

    The story continues into Guo’s pre-teenage years, when he moved back to his hometown in Shandong Province. He met his wife and married her when he was only 15, she 14. They moved to Heilongjiang, where they started a small manufacturing operation, taking advantage of the early days of China’s economic rise, and then to Henan. Guo got his start in real estate in a city called Zhengzhou, where he founded the Zhengzhou Yuda Property Company and built the tallest building the city had seen so far, the Yuda International Trade Center. According to Guo, he was only 25 when he made this first deal.

    The string of businesses and properties that Guo developed provide some of the confirmable scaffolding of his life. No one disputes that Guo went on to start both the Beijing Morgan Investment Company and Beijing Zenith Holdings. Morgan Investment was responsible for building a cluster of office towers called the Pangu Plaza, the tallest of which has a wavy top that loosely resembles a dragon, or perhaps a precarious cone of soft-serve ice cream. Guo is in agreement with the Chinese media that in buying the property for Pangu Plaza, he clashed with the deputy mayor of Beijing. The dispute ended when Guo turned in a lengthy sex tape capturing the deputy mayor in bed with his mistress.

    There are other details in Guo’s biography, however, that vary from one source to the next. Guo says that he never took government loans; Caixin, a Beijing-based publication, quoted “sources close to the matter” in a 2015 article claiming that Guo took out 28 loans totaling 588 million yuan, or about $89 million. Guo, according to Caixin, eventually defaulted. At some point in this story — the timeline varies — Guo became friends with the vice minister of China’s Ministry of State Security, Ma Jian. The M.S.S. is China’s answer to the C.I.A. and the F.B.I. combined. It spies on civilians and foreigners alike, conducting operations domestically and internationally, amassing information on diplomats, businessmen and even the members of the C.P.C. Describing Ma, Guo leans back in his chair and mimes smoking a cigarette. “Ma Jian! He was fat and his skin was tan.” According to Guo, Ma sat like this during their first meeting, listening to Guo’s side of a dispute. Then Ma told him to trust the country. “Trust the law,” he told Guo. “We will treat you fairly.” The older master of spycraft and the young businessman struck up a friendship that would become a cornerstone in Guo’s claims of insider knowledge, and also possibly the reason for the businessman’s downfall in China.

    Following the construction of Pangu Plaza in Beijing, Guo’s life story becomes increasingly hard to parse. He started a securities business with a man named Li You. After a falling-out, Li was detained by the authorities. Guo’s company accused Li and his company of insider trading. According to the 2015 article in Caixin, Li then penned a letter to the authorities accusing Guo of “wrongdoing.”

    As this dispute was going on, China’s anti-​corruption operation was building a case against Ma Jian. In Guo’s telling, Ma had long been rumored to be collecting intelligence on China’s leaders. As the anti-corruption campaign gained speed and officials like Wang Qishan gained power, Ma’s well of intelligence started to look like a threat. It was Guo’s relationship with Ma, the tycoon maintains, that made officials nervous. Ma was detained by the authorities in January 2015, shortly after Guo fled the country. Soon after Ma’s detention, accounts began appearing in China’s state-run media claiming that Ma had six Beijing villas, six mistresses and at least two illegitimate sons. In a 2015 article that ran in the party-run newspaper The China Daily, the writer added another detail: “The investigation also found that Ma had acted as an umbrella for the business ventures of Guo Wengui, a tycoon from Henan Province.”

    In the mix of spies, corrupt business dealings, mistresses and sex scandals, Guo has one more unbelievable story to tell about his past. It is one reason, he says, that he was mentally prepared to confront the leaders of the Communist Party. It happened nearly 29 years ago, in the aftermath of the crackdown on Tiananmen Square. According to Guo, he had donated money to the students protesting in the square, and so a group of local police officers came to find him at his home. An overzealous officer fired off a shot at Guo’s wife — at which point Guo’s younger brother jumped in front of the bullet, suffering a fatal wound. “That was when I started my plan,” he said. “If your brother had been killed in front of your eyes, would you just forget it?” Never mind the fact that it would take 28 years for him to take any public stand against the party that caused his brother’s death. Never mind that the leadership had changed. “I’m not saying everyone in the Communist Party is bad,” he said. “The system is bad. So what I need to oppose is the system.”

    On an unusually warm Saturday afternoon in Flushing, Queens, a group of around 30 of Guo’s supporters gathered for a barbecue in Kissena Park. They laid out a spread of vegetables and skewers of shrimp and squid. Some children toddled through the crowd, chewing on hot dogs and rolling around an unopened can of Coke. The adults fussed with a loudspeaker and a banner that featured the name that Guo goes by in English, Miles Kwok. “Miles Kwok, NY loves U,” it said, a heart standing in for the word “loves.” “Democracy, Justice, Liberty for China.” Someone else had carried in a life-size cutout of the billionaire.

    The revelers decided to hold the event in the park partly for the available grills but also partly because the square in front of Guo’s penthouse had turned dangerous. A few weeks earlier, some older women had been out supporting Guo when a group of Chinese men holding flags and banners showed up. At one point, the men wrapped the women in a protest banner and hit them. The park was a safer option. And the protesters had learned from Guo — it wasn’t a live audience they were hoping for. The group would be filming the protest and posting it on social media. Halfway through, Guo would call in on someone’s cellphone, and the crowd would cheer.

    Despite this show of support, Guo’s claims have divided China’s exiled dissidents to such an extent that on a single day near the end of September, two dueling meetings of pro-democracy activists were held in New York, one supporting Guo, the other casting doubt on his motivations. (“They are jealous of me,” Guo said of his detractors. “They think: Why is he so handsome? Why are so many people listening to him?”) Some of Guo’s claims are verifiably untrue — he claimed in an interview with Vice that he paid $82 million for his apartment — and others seem comically aggrandized. (Guo says he never wears the same pair of underwear twice.) But the repercussions he is facing are real.

    In December, Guo’s brother was sentenced to three years and six months in prison for destroying accounting records. The lawsuits filed against Guo for defamation are piling up, and Guo has claimed to be amassing a “war chest” of $150 million to cover his legal expenses. In September, a new set of claims against Guo were made in a 49-page document circulated by a former business rival. For Ha Jin, Guo’s significance runs deeper than his soap-opera tales of scandal and corruption. “The grand propaganda scheme is to suppress and control all the voices,” Jin said. “Now everybody knows that you can create your own voice. You can have your own show. That fact alone is historical.” In the future, Jin predicts, there will be more rebels like Guo. “There is something very primitive about this, realizing that this is a man, a regular citizen who can confront state power.”

    Ho Pin, the founder of Long Island’s Mingjing News, echoed Jin. Mingjing’s reporters felt that covering Guo was imperative, no matter the haziness of the information. “In China, the political elite that Guo was attacking had platforms of their own,” Ho said. “They have the opportunity, the power and the ability to use all the government’s apparatus to refute and oppose Guo Wengui. So our most important job is to allow Guo Wengui’s insider knowledge reach the fair, open-minded people in China.” Still, people like Pei urge caution when dealing with Guo’s claims. Even Guo’s escape raises questions. Few others have slipped through the net of China’s anti-corruption drive. “How could he get so lucky?” Pei asked. “He must have been tipped off long before.”

    At the barbecue, a supporter named Ye Rong tucked one of his children under his arm and acknowledged that Guo’s past life is riddled with holes. There was always the possibility that Guo used to be a thug, but Ye didn’t think it mattered. The rules of the conflict had been set by the Communist Party. “You need all kinds of people to oppose the Chinese government,” Ye said. “We need intellectuals; we also need thugs.”

    Guo, of course, has his own opinions about his legacy. He warned of dark times for Americans and for the world, if he doesn’t succeed in his mission to change China. “I am trying to help,” he told me. “I am not joking with you.” He continued: “I will change China within the next three years. If I don’t change it, I won’t be able to survive.”
    Correction: Jan. 12, 2018

    An earlier version of this article misidentified the name of the province where the Chinese government hired online commenters in 2004. It is Hunan Province, not Henan.

    #Chine #politique #corruption #tireurs_d_alarme

  • Livestream Tonight : Naomi Klein and Shoshana Zuboff on the Rise of Surveillance Capitalism
    https://theintercept.com/2019/03/01/surveillance-capitalism-book-shoshana-zuboff-naomi-klein

    Join Intercept senior correspondent Naomi Klein and Harvard Business School professor Shoshana Zuboff, author of “The Age of Surveillance Capitalism : The Fight for a Human Future at the New Frontier of Power,” for an engaging discussion about the unprecedented form of power called “surveillance capitalism” and the quest by corporations to predict and control our behavior. Shoshana Zuboff is the author of “The Age of Surveillance Capitalism : The Fight for a Human Future at the New Frontier of (...)

    #algorithme #sécuritaire #surveillance

    //theintercept.imgix.net/wp-uploads/sites/1/2019/03/surveillance-feature-art-for-post-1551395030.gif

  • Vous avez peut-être suivi ça, Steve Salaita (américain d’origine Nicaraguayenne et Palestinienne), spécialiste entre autres du racisme anti-arabe aux USA, avait été embauché comme professeur de Science Politique à l’University of Illinois en 2013. Sa permanence avait été révoquée en 2015 à cause de quelques tweets critiques d’israel.
    https://seenthis.net/messages/381282

    Le processus avait été entaché d’irrégularités, mais Salaita avait négocié son départ contre une somme d’argent, ayant entre temps obtenu un poste à la American University of Beirut. Un an après, ce poste aussi n’avait pas été renouvelé et, black listé, aucune autre offre ne lui fut offerte.

    Aujourd’hui, il est chauffeur de bus, et il raconte cette expérience dans ce très beau texte (que je trouve quand même très triste) :

    An Honest Living
    Steve Salaita, le 17 février 2019
    https://stevesalaita.com/an-honest-living

    You hear ex-professors say it all the time and I’ll add to the chorus: despite nagging precariousness, there’s something profoundly liberating about leaving academe, whereupon you are no longer obliged to give a shit about fashionable thinkers, network at the planet’s most boring parties, or quantify self-worth for scurrilous committees (and whereupon you are free to ignore the latest same-old controversy), for even when you know at the time that the place is toxic, only after you exit (spiritually, not physically) and write an essay or read a novel or complete some other task without considering its relevance to the fascist gods of assessment, or its irrelevance to a gang of cynical senior colleagues, do you realize exactly how insidious and pervasive is the industry’s culture of social control.

    There are tragic elements to this adventure, sure. A political symbolism informs my academic career. After months without work, my family suffered financial hardship. And I didn’t matriculate through 22nd grade in order to land a job that requires no college. Then again, neither did I attend so many years of college in order to be disabused of the notion that education is noble.

    I pitched honest living to my parents when I told them about the new job. Despite being aware of academe’s ruthless memory, they hoped that I’d one day be a professor again. They probably still do. In a better world, my redemption would happen in the United States. I wanted to quell that expectation. “Even if Harvard offered me a job I’d say no,” I proclaimed with earnest hyperbole.

    They feigned support but didn’t believe me. I understand why. It’s hard to imagine coming of age in reverse. Hollywood doesn’t make inspirational movies about struggling to overcome material comfort. We don’t aspire to the working class. Personal fulfillment occurs through economic uplift. We go from the outdoors to the office, from the ghetto to the high-rise, from the bar rail to the capital. That’s the dream, to become a celebrity or a tycoon or, in humbler fantasies, a bureaucrat. But forward progress as material comfort is cultivated through the ubiquitous lie that upward mobility equals righteousness. Honest living is a nice story we tell ourselves to rationalize privation, but in the real world money procures all the honesty we need.

    For immigrants, these myths can be acute. I could see my parents struggling between a filial instinct to nurture and an abrupt recognition of their failure. My mom, a retired high school teacher, seemed interested in the logistics of transporting students, but my dad, the original professor, clenched his hands and stared across the table. It’s the only time I’ve seen him avoid eye contact.

    #Steve_Salaita #USA #Palestine #université #criminalisation_des_militants #censure

  • Acing the algorithmic beat, journalism’s next frontier » Nieman Journalism Lab
    http://www.niemanlab.org/2019/02/acing-the-algorithmic-beat-journalisms-next-frontier

    Algorithms shape large parts of everyday life: our interactions with other people, what products we purchase, the information we see (or don’t see), our investment decisions and our career paths. And we trust their judgment: people are more likely to follow advice when they are being told that it came from an algorithm rather than a human, according to a Harvard Business School study.

    Machines make mistakes

    Despite our growing reliance on algorithms, the Pew Research Center found that Americans are concerned with the fairness and effectiveness of computer programs that make important decisions in their lives. 58 percent feel that algorithms are likely to reflect some level of human bias.

    And they’re right. Even though algorithms can seem “objective” and can sometimes even outperform human judgment, they are still fallible. The notion that algorithms are neutral because math is involved is deeply flawed. After all, algorithms are based on data created by humans — and humans make mistakes and have biases. That’s why American mathematician Cathy O’Neil says: “Algorithms are opinions embedded in code.”

    Machine bias can have grave consequences. A hiring algorithm at a large tech company might teach itself to prefer male applicants over female applicants. Policing software that conducts risk assessments might be biased against black people. And a content recommendation algorithm might amplify conspiracy theories.

    #Algorithmes #Journalisme #Médias

  • “When You Get That Wealthy, You Start to Buy Your Own #Bullshit”: The Miseducation of Sheryl Sandberg | Vanity Fair
    https://www.vanityfair.com/news/2018/11/sheryl-sandberg-harvard-business-school-leadership

    ... it starts all the way back in 1977, when Sandberg was just eight years old and the U.S. economy was still recovering from the longest and deepest recession since the end of World War II. That’s the year that #Harvard #Business School professor Abraham Zaleznik wrote an article entitled, “Managers and Leaders: Are They Different?” in America’s most influential business journal, Harvard Business Review. For years, Zaleznik argued, the country had been over-managed and under-led. The article helped spawn the annual multi-billion-dollar exercise in nonsense known as the #Leadership Industry, with Harvard as ground zero. The article gave Harvard Business School a new raison d’être in light of the fact that the product it had been selling for decades—managers—was suddenly no longer in vogue. Henceforth, it would be molding leaders.

    [...]

    The truth is, Harvard Business School, like much of the #M.B.A. universe in which Sandberg was reared, has always cared less about moral leadership than career advancement and financial performance.

    The roots of the problem can be found in the Harvard Business School’s vaunted “Case Method,” a discussion-based pedagogy that asks students to put themselves in the role of corporate #Übermensch. At the start of each class, one unlucky soul is put in the hot seat, presented with a “what would you do” scenario, and then subjected to the ruthless interrogation of their peers. Graded on a curve, the intramural #competition can be intense—M.B.A.s are super-competitive, after all.

    Let’s be clear about this: in business, as in life, there isn’t always one correct answer. So the teaching of a decision-making philosophy that is deliberate and systematic, but still open-minded, is hardly controversial on its face. But to help students overcome the fear of sounding stupid and being remorselessly critiqued, they are reminded, in case after case—and with emphasis—that there are no right answers. And that has had the unfortunate effect of opening up a chasm of moral equivalence in too many of their graduates.

    #carriérisme #sans_scrupules

  • Anderson Tan — The Renaissance Man
    https://hackernoon.com/anderson-tan-the-renaissance-man-842fcc7ab3e3?source=rss----3a8144eabfe3

    Anderson Tan: The Renaissance ManAnderson Tan — The Renaissance Man first appeared on Blockleaders, written by Jillian Godsil on 4th October 2018Anderson Tan is positively voracious in his search for knowledge and learning. In 2014, while between jobs (and by jobs I mean having sold two companies and being involved in real estate before casting about for a new adventure), he studied continuously computer science, physics, entrepreneurship, philosophy, technology, coding, creative problem solving, space, music among other things through online learning platforms operated by Stanford, MIT, Harvard, Wharton, Yale, Princeton, Babson, Berkeley, Northwestern, IBM, Linux, University of London, University of Edinburgh, University of Oxford, University of Tokyo and many more.He is a graduate of the (...)

    #startup #blockchain #cryptocurrency #angel-investors #profile

  • Part I: What is #token Economics (Tokenomics)?
    https://hackernoon.com/part-i-what-is-token-economics-tokenomics-69bb018c7a96?source=rss----3a8

    The goal of this four-part series is to give you a standard framework for analyzing and creating token incentive models. You will gain a basic understanding of token economics’ major components (or value drivers) for crypto assets.Part I: What is Token Economics?Part II: Top Token Economic ModelsPart III: Systematic Token Economic IssuesPart IV: A Guide to Creating a Token IncentivesYou DO NOT have to be like this guy, above, to be able to understand and create the basis of your token model. You need to understand the major areas that will impact your community’s long-term growth and crypto asset values.What is Token Economics? Before I answer that, you should know B.F. Skinner, former Harvard University Psychology Professor, and his Token economy theory.His Token economy theory was the (...)

    #blockchain #cryptocurrency

  • James Watson Won’t Stop Talking About Race - The New York Times
    https://www.nytimes.com/2019/01/01/science/watson-dna-genetics-race.html

    It has been more than a decade since James D. Watson, a founder of modern genetics, landed in a kind of professional exile by suggesting that black people are intrinsically less intelligent than whites.

    In 2007, Dr. Watson, who shared a 1962 Nobel Prize for describing the double-helix structure of DNA, told a British journalist that he was “inherently gloomy about the prospect of Africa” because “all our social policies are based on the fact that their intelligence is the same as ours, whereas all the testing says, not really.”

    Moreover, he added, although he wished everyone were equal, “people who have to deal with black employees find this not true.”

    Some scientists said that Dr. Watson’s recent remarks are noteworthy less because they are his than because they signify misconceptions that may be on the rise, even among scientists, as ingrained racial biases collide with powerful advances in genetics that are enabling researchers to better explore the genetic underpinnings of behavior and cognition.

    “It’s not an old story of an old guy with old views,’’ said Andrea Morris, the director of career development at Rockefeller University, who served as a scientific consultant for the film. Dr. Morris said that, as an African-American scientist, “I would like to think that he has the minority view on who can do science and what a scientist should look like. But to me, it feels very current.’’

    David Reich, a geneticist at Harvard, has argued that new techniques for studying DNA show that some human populations were geographically separated for long enough that they plausibly could have evolved average genetic differences in cognition and behavior.

    But in his recent book, “Who We Are and How We Got Here,’’ he explicitly repudiates Dr. Watson’s presumption that such differences would “correspond to longstanding popular stereotypes’’ as “essentially guaranteed to be wrong.’’

    Even Robert Plomin, a prominent behavioral geneticist who argues that nature decisively trumps nurture when it comes to individuals, rejects speculation about average racial differences.

    “There are powerful methods for studying the genetic and environmental origins of individual differences, but not for studying the causes of average differences between groups,” Dr. Plomin writes in an afterword to be published this spring in the paperback edition of his book, “Blueprint: How DNA Makes Us Who We Are.”

    #Racisme #Génomique #Watson

    • Je me souviens avoir lu cet article à l’époque. Ce passage notamment m’avait marqué :

      About the money: many mathematicians who talk to me about moving to finance are genuinely worried about the potentially corruptive power of money. I take that fear very seriously, and I think
      I probably would have applied to the D. E. Shaw
      group earlier if I hadn’t experienced it myself.
      (...)
      I think one can resist being corrupted by money by keeping a perspective and maintaining personal boundaries. I personally give a certain amount of my paycheck to my favorite grass-roots charity. I thereby see working here as a fantastic and rare opportunity to have a great job and to improve the world in some small way simultaneously.

      J’avais trouvé ça tellement facile de se justifier de gagner énormément d’argent par simplement donner à des œuvres caritatives, ça m’avait choqué de naïveté/cynisme.

      Amusant de se rendre compte maintenant que c’était écrit par Cathy O’Neil, comme quoi les gens changent.