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Lending Club, Prosper.com make peer-to-peer loans
2010-12-03, San Francisco Chronicle (San Francisco's leading newspaper)
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/12/02/BU361GKD8L.DTL

Before Alex Taguchi proposed to high school flame Jenny Lee, the 26-year-old decided to liquidate about $11,000 in credit card debt, provided he could find a payment plan affordable on his salary as a software support specialist. His bank offered him a debt consolidation loan at 16.5 percent, but the Mountain View man decided to get a quote from a new online financial service that matches borrowers with lenders to give each better deals than are otherwise generally available. Today Taguchi is paying $380 a month on a three-year, 13.88 percent note issued through Lending Club.com, one of two Bay Area firms pioneering a new industry called peer-to-peer lending. The other is Prosper.com. Lending Club of Redwood City and Prosper of San Francisco have figured out how to perform [the] two-fisted function, of taking money in the one hand and lending it with the other, in a way that allows aspiring borrowers to specify how much they want, and for what purpose, and also gives them an overall risk profile - comparable, say, to a search engine ranking. These two online lending rivals then give potential investors the option to fund some of these loans at fixed rates and fixed terms - and interest levels designed to compete with bonds, stocks and other financial instruments.

Note: This exciting development may eventually change the face of banking, allowing us to lend to and borrow from each other directly without the need of intermediary bankers.

Report says level of armed conflict, support for radical Islamists, waning in Muslim world
2010-12-02, Los Angeles Times/Associated Press
http://www.latimes.com/news/nationworld/nation/wire/sns-ap-un-un-waning-war,0...

A new study says the level of armed conflict in Muslim countries is far lower than two decades ago, with support for ... radical Islamist groups waning as locals reject extremism and the killing of other Muslims. The report, released ... by the Canadian Human Security Research Project ... maintains the decrease occurred even though four of the world's five deadliest recent conflicts raged in predominantly Muslim Afghanistan, Pakistan, Iraq, and Somalia. Report director Andrew Mack says armed conflict in Muslim nations has waned partly because Cold War proxy battles such as the Afghanistan-Soviet Union conflict have ended and independence wars have been resolved.

Canadian couple give away millions in lottery winnings
2010-11-04, BBC
http://www.bbc.co.uk/news/world-us-canada-11699678

A Canadian couple who won $10.9m (£6.7m) in lottery winnings in July say they have given away $10.2m of the prize to groups in their community. Allen and Violet Large said they were plain country folks who needed no more than "what we've got". The two said they had donated about 98% of the cash after helping their family. The elderly pair gave the money to churches, fire departments, cemeteries, the Red Cross and hospitals, where Ms Large has undergone cancer treatment. "We haven't bought one thing. That's because there is nothing that we need," Mr Large, 75, told the Canadian Broadcasting Corporation. Mr Large, a retired welder from Canada's Nova Scotia province, added that he and his wife were quite content with their 147-year-old home and everything else they already owned. "You can't buy happiness," he said.

Note: Considering that the vast majority of people believe they don't have enough money, if you feel you have enough, you can consider yourself one of the richest people in the world, no matter how much is in your bank account. Think about this, and ask yourself how much is enough?

Ballard man recalls pulling girl from fiery car and a vision days later
2010-10-27, Seattle Times
http://seattletimes.nwsource.com/html/localnews/2013277039_rescue28m.html

It would take an unusual man to decide, in a split second after witnessing a car crash, to crawl into the Subaru that had erupted into flames 8 feet high to try to save a little girl and her dad. Early Thursday evening in Ballard, that is what Kenny Johnson did. He remembers talking to himself as he went into the Subaru: "Oh, my God, this car is gonna blow up and I'm going to be in it. Well, if does blow up, I guess I'm going straight to heaven because I'm trying to save that little girl." He did save the 3-year-old, Anna Kotowicz, who suffered a broken arm and some bruising. Her dad, Andy Kotowicz, 37, who had just picked up his daughter at day care, died at Harborview Medical Center three days later. Amid the crackling and popping of the car on fire, Johnson says he heard the cries of the 3-year-old, "a beautiful princess with blonde hair and blue eyes. I go to the passenger side. I don't remember this, but people afterward told me that when I couldn't open the door, I ripped it off the hinges. I jump into the car. For a few seconds, it's like there is no sound, no smell, everything is in slow motion. I can't explain it any other way." Days passed, and Johnson went back to his routine. That is, until Tuesday morning around 6, he says. "Then there is this man standing right by the bed. He says he needs help with a few things. He says he wants me to give a message to his wife and to his daughter. He also tells me to talk to the people at Sub Pop [his workplace], he wants to let them know not to be mad at the driver that caused the accident. That's his message." Johnson says that later that day, he went to the Sub Pop website, and there it was, a memorial photo of the man who had stood by his bed: Kotowicz.

Seeking Proof in Near-Death Claims
2010-10-25, Wall Street Journal
http://online.wsj.com/article/SB10001424052702304248704575574193494074922.html

At least 15 million American adults say they have had a near-death experience, according to a 1997 survey -— and the number is thought to be rising with increasingly sophisticated resuscitation techniques. In addition to floating above their bodies, people often describe moving down a dark tunnel toward a bright light, feeling intense peace and joy, reviewing life events and seeing long-deceased relatives—only to be told that it's not time yet and land abruptly back in an ailing body. "There are always skeptics, but there are millions of 'experiencers' who know what happened to them, and they don't care what anybody else says," says Diane Corcoran, president of the International Association for Near-Death Studies, a nonprofit group in Durham, N.C. The organization publishes the Journal of Near-Death Studies and maintains support groups in 47 states. In his new book, Evidence of the Afterlife, Jeffrey Long, a radiation oncologist in Louisiana, analyzes 613 cases reported on the website of his Near Death Research Foundation and concludes there is only one plausible explanation: "that people have survived death and traveled to another [mode of existence]." "The self, the soul, the psyche—throughout history, we've never managed to figure out what it is and how it relates to the body," [said Sam Parnia, a critical-care physician]. "This is a very important for science and fascinating for humankind."

Note: For two of the most amazing near-death experiences ever told, click here and here.

D.I.Y. Foreign-Aid Revolution
2010-10-24, New York Times
http://www.nytimes.com/2010/10/24/magazine/24volunteerism-t.html

Like so many highly trained young women these days, Elizabeth Scharpf has choices. She could be working in a Manhattan office tower with her Harvard Business School classmates, soaring through the ranks as a banker or business executive and aspiring to become a senator or a C.E.O. someday. After all, there’s no question that women around the world enjoy opportunities that simply didn’t exist a few decades ago. Yet the women exerting the greatest pressure for change often aren’t the presidents and tycoons but those toiling further down the pyramid, driven by a passion to create a better world. And in particular, a better world for women. That’s Scharpf’s choice. Now 33, Scharpf was interning in the summer of 2005 for the World Bank in Mozambique, helping local entrepreneurs, when she encountered a business impediment that she had never heard of. It was unmentionable, and thus unmentioned. It was menstruation. And so Scharpf joined a revolution, so far unnamed because it is just beginning. It’s all about what might be called Do-It-Yourself Foreign Aid, because it starts with the proposition that it’s not only presidents and United Nations officials who chip away at global challenges. Passionate individuals with great ideas can do the same, especially in the age of the Internet and social media.

Note: For the website of the organization Scharpf founded, Sustainable Health Enterprises, click here.

When A Child Moves to Nepal
2010-10-22, New York Times
http://parenting.blogs.nytimes.com/2010/10/22/when-a-child-moves-to-nepal

It was a gorgeous Himalayan village, with a river running through it. But it was also ravaged by the war. Temples had been burned down, and the girl’s home had been converted into a rebel camp. Most children couldn’t afford school. In the cities, [Maggie Doyne] had seen them working with hammers, breaking rocks into gravel to sell. “The first little girl I met was Hema,” Doyne remembers. Then 6 or 7 years old (few children know their precise age), Hema spent her time breaking rocks and scavenging garbage and had no chance to go to school. But she was radiant and adorable and always greeted Doyne in Nepali with a warm, “Good morning, Sister!” “Maybe I saw a piece of myself in her,” said Doyne, who decided to take Hema under her wing and pay for her education: “I knew I couldn’t do anything about a million orphans, but what if I started with this girl?” So she took Hema to school and paid $7 for the girl’s school fees and another $8 for a uniform so that she could enter kindergarten. “It became addictive,” Doyne said. “I said, if I can help one girl, why not 5? Why not 10?" Doyne found a ramshackle telephone “booth” — actually, a mud hut — where she could place an international call and telephoned her parents with a strange and urgent request: Can you wire me the money in my savings account? Her parents sent her the money. Doyne has since raised hundreds of thousands more. With it she has built the Kopila Valley Children’s Home.

Note: For a slide show of Maggie's great work on the New York Times website, click here. For Maggie's inspiring website, click here.

Micro-loan portal Kiva celebrates 5 years
2010-10-10, San Francisco Chronicle (San Francisco's leading newspaper)
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/10/10/BUKF1FP9MK.DTL

Micro-asset financing is a relatively recent innovation in micro-finance - which is best known for small loans issued to people trying to escape poverty by starting a business - and is an example of how the field has explored different loan models. Kiva, celebrating its fifth anniversary on [October 13], took that experimentation to a new level in 2005 when it coupled the Internet and large numbers of individual lenders with needy borrowers. Using a Web portal, Kiva facilitates loans from individuals who can log onto its site and read borrowers' stories. Kiva partners with lending organizations in developing countries, which take the no-interest loans from Kiva and distribute them locally. Kiva lenders are paid back if the borrower succeeds, but do not earn interest. In recent years, with the help of Kiva, micro-finance as an anti-poverty tool has quickly grown in popularity. Economist Muhammad Yunus and his Grameen Bank in Bangladesh are credited with pioneering the micro-finance movement in the mid-1970s by lending small amounts of money to basket weavers. He won the Nobel Peace Prize in 2006 for his efforts. But the concept received much broader exposure in the United States after Kiva came along. Described by some as "the Internet generation's answer to charity," Kiva became the philanthropy du jour for a time, and in the United States, was endorsed by celebrities and academics alike.

Note: For our excellent essay on building a better world through microlending, please visit this link.

Impact investing seeks to make money, do good
2010-10-06, San Francisco Chronicle (San Francisco's leading newspaper)
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/10/05/BU7M1FOIA6.DTL

Most investors, when sizing up a company, ask a simple question: "Will this company make me money?" But John Grafer, a principal with Satori Capital, likes to ask a question most traditional investors never think of: "Does your receptionist have an equity stake in your company?" Grafer is one of a growing breed of investors who look beyond the bottom line and ask what a company is doing to help society. It's called impact investing, and its supporters say it combines the shrewdness of the for-profit marketplace with an earnest desire to do good. "It's the opposite of a quick flip," Grafer said. "While there might not be a short-term return, you get a larger long-term return." The companies that make up Satori's $175 million fund all have to meet strict financial and social benchmarks. Grafer said he focuses on ownership, the environment, civic involvement and respectful relationships with customers. A report by Hope Consulting indicates that investors were willing to spend as much as $120 billion on companies that promise social and financial return, if the right product were available. Four social market funds are well on their way to reaching $100 million. And attendance at this year's conference was double what it was when the conference began just three years ago. Organizers say the trend toward socially conscious investing has been spurred by the downturn in the economy. "The traditional market failed," said Kevin Jones, of San Francisco's Good Capital and a conference organizer. "This kind of stuff works without creating a bubble."

Note: For an excellent example of investing for social good while still make a return on your investing, check out our excellent piece on microlending at this link.

Solar energy making a return to White House
2010-10-06, Washington Post
http://www.washingtonpost.com/wp-dyn/content/article/2010/10/05/AR20101005059...

The White House is going solar after all - a home improvement that carries modest energy benefits but much larger symbolic importance. It isn't the first time the White House has used solar energy. President Jimmy Carter put 32 solar panels on the roof in the late 1970s, but President Ronald Reagan removed them in 1986. Two grass-roots campaigns have recently been lobbying President Obama to restore them as a sign of his commitment to renewable energy. The roof of the White House residence will get solar panels and a solar water heater, Energy Secretary Steven Chu and the White House Council on Environmental Quality's chair, Nancy Sutley. A campaign launched by Oakland, Calif.-based Sungevity called Solar on the White House and another by 350.org founder Bill McKibben tried to get Obama to reinstall solar panels. "The White House did the right thing, and for the right reasons: They listened to the Americans who asked for solar on their roof, and they listened to the scientists and engineers who told them this is the path to the future," McKibben said in a statement. "If it has anything like the effect of the White House garden, it could be a trigger for a wave of solar installations across the country and around the world," he said.

Computers set for quantum leap
2010-09-16, Financial Times
http://www.ft.com/cms/s/0/8c0a68b0-c1bc-11df-9d90-00144feab49a.html

A new photonic chip that works on light rather than electricity has been built by an international research team, paving the way for the production of ultra-fast quantum computers with capabilities far beyond today’s devices. Future quantum computers will, for example, be able to pull important information out of the biggest databases almost instantaneously. As the amount of electronic data stored worldwide grows exponentially, the technology will make it easier for people to search with precision for what they want. Jeremy O’Brien, director of the UK’s Centre for Quantum Photonics, who led the project, said many people in the field had believed a functional quantum computer would not be a reality for at least 25 years. “However, we can say with real confidence that, using our new technique, a quantum computer could, within five years, be performing calculations that are outside the capabilities of conventional computers,” he told the British Science Festival, as he presented the research. The immense promise of quantum computing has led governments and companies worldwide to invest hundreds of millions of dollars in the field. Big spenders, including the US defence and intelligence agencies concerned with the national security issues, and governments ... see quantum electronics as the foundation for IT industries in the mid-21st century.

For first time, more women than men earn PhD
2010-09-15, USA Today
http://www.usatoday.com/news/education/2010-09-15-womenphd14_st_N.htm

With female enrollments growing at all levels of higher education, doctoral degrees have been one area where men have continued to dominate. No more. New data being released today show that in 2008-09, for the first time, women earned a majority of the doctoral degrees awarded in the USA. The data are part of an analysis of graduate enrollments and degrees from the Council of Graduate Schools. The majority for women in doctoral degrees is slight, 50.4%. But the shift has been steady and significant. As recently as 2000, women were earning only 44% of doctoral degrees. In master's degrees, where women have already accounted for a majority of degrees, their share now stands at 60%. Nathan Bell, director of research and policy analysis for the Council of Graduate Schools, said that the female majority for doctoral recipients was "a natural progression of what we have been seeing" in the rest of higher education. Given that female enrollments have overtaken male enrollments in associate, bachelor's and master's programs, he said, "the pipeline is increasingly female." In fact, he said that the only reason that women did not become a majority of doctoral recipients earlier is that a greater share of doctoral degrees are awarded in fields like engineering that remain disproportionately male than is the case at the undergraduate level.

Crime rate decline puzzles theorists
2010-09-14, Boston Globe/Associated Press
http://www.boston.com/news/nation/washington/articles/2010/09/14/crime_rate_d...

Violent crime declined 5.3 percent last year, the third straight annual fall, the FBI reported [on September 13]. The drop was accompanied by a 4.6 percent drop in property crime, marking the seventh consecutive year that nonviolent crime has dropped. The figures challenge theories among some criminal analysts that crime tends to rise in times of uncertain economies. In the 1970s and early 1980s, when the economy went south, crime rates went up. Inflation was high then, which could account for the different reaction. James Alan Fox, a criminologist at Northeastern University, said that although the downward trend is encouraging, the economy “could come back to haunt us’’ because of a nearly 10 percent drop per capita in police budgets in the past few years. “There is a connection between the economy and crime rates, but it’s not that when the economy is bad, people go out and commit crime,’’ said Fox. “When the economy is bad,’’ he said, “there are budget cuts. Less is spent on youth crime prevention and crime control on the street.’’

Note: Robbery and violent crime rates have dropped over 50% since 1994. Take a look at the graphs on the US Department of Justice website available here. Why isn't this highly inspiring news given top headlines?

UN: Number of hungry people declines
2010-09-14, Washington Post/Associated Press
http://www.washingtonpost.com/wp-dyn/content/article/2010/09/14/AR20100914014...

The number of chronically hungry people in the world dipped considerably below the 1 billion mark - the first drop in 15 years - thanks partly to a fall in food prices after spikes that sparked rioting a few years ago, U.N. agencies said [on September 14]. Still, an estimated 925 million people are undernourished worldwide, and the latest figures don't reflect the repercussions from the massive flooding in Pakistan. The Rome-based Food and Agriculture Organization's report suggested some progress in the battle to end hunger, but stressed the world is far from achieving the U.N. promoted Millennium Development Goal of halving the proportion of undernourished people from 20 percent in 1990-92 to 10 percent in 2015. The report estimated there are 98 million fewer chronically hungry people than in 2009, when the figure just topped 1 billion. The drop in the chronically hungry is partly because ... cereal and rice harvests have been strong. Cereal production this year was the third-highest ever recorded, despite a drought-fueled wheat shortfall in Russia, said FAO director-general Jacques Diouf. Also heartening, Diouf noted, is that cereal stocks are high - some 100 million tons more than the low levels of 2007-2008, when some 38 countries shut down their food export markets in reaction.

Glassdoor offers view inside firms like HP
2010-09-08, San Francisco Chronicle (San Francisco's leading newspaper)
http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/09/07/BUA31F3F48.DTL

If the workplace review site Glassdoor is to companies what Yelp is to restaurants, then Hewlett-Packard Co. employees gave former chief executive Mark Hurd only two stars, but remain hopeful of a four- or five-star successor. In the past, those kinds of inside insights into employee morale at any corporation could be locked away behind closed doors. But in the open world of the Web, sites like Glassdoor have moved those sentiments into the open market, giving voice to rank-and-file workers in a way that no company suggestion box ever could. "In a world with Glassdoor and Facebook and Twitter and LinkedIn, there's a tsunami of transparency washing over the employment space," Glassdoor Inc. CEO Robert Hohman said. The Sausalito company lets any employee post reviews about the overall workplace environment, both the pros and the cons of working there and "advice for senior management." The reviews are posted anonymously, to encourage openness without fear of retribution. In the two years since its launch, the site has grown from having reviews for about 3,000 companies to now having about 90,000 companies, including Bay Area giants like Chevron Corp., Intel Corp., Oracle Corp., Wells Fargo & Co., Facebook Inc. and, of course, HP.

Note: The transparency offered by the Internet is making a big difference.

A town crier in the global village
2010-09-02, The Economist magazine
http://www.economist.com/node/16943875?story_id=16943875

Nearly four years ago, a web-based political movement set itself the modest task of “closing the gap between the world we have and world most people everywhere want”. Calling their group Avaaz, which means “voice” in several languages, ... the movement, using 14 languages and engaged in a mind-boggling list of causes, has had some spectacular successes. Within the next few months, membership will top 6m. The number of individual actions taken (from bombarding a politician with a well-aimed message, or funding a poster campaign, to helping provide satellite phones to Burmese monks) is estimated at over 23m. Among the recent developments Avaaz claims to have influenced are a new anti-corruption law in Brazil; a move by Britain to create a marine-conservation zone in the Indian Ocean; and the spiking of a proposal to allow more hunting of whales. Avaaz’s campaign against the death sentence for adultery imposed on an Iranian woman asks members to phone Iranian embassies (and provides numbers); members are also being urged to put pressure on the leaders of Brazil and Turkey to intercede with Iran. Avaaz is collecting funds for a campaign in the Brazilian and Turkish press, too. Avaaz’s other demands range from the simple -— close Guantánamo -— to the very broad: fight climate change, avoid a clash of civilisations. Despite the risk of blurred signals, the variety of causes is also a strength.

Note: Consider signing up at Avaaz.org to join in the powerful advocacy work they are doing.

Mom's Touch Brings Baby to Life
2010-08-30, CNN
http://edition.cnn.com/TRANSCRIPTS/1008/30/cnr.01.html

KYRA PHILLIPS, CNN ANCHOR: Well, a heart-broken couple in Australia cradles the body of their newborn baby. The doctor declared the little boy dead saying that he had no vital signs. But then something remarkable happened: a twitch, a blink and what some people are now calling a miracle. (BEGIN VIDEO CLIP) This is Jamie Ogg, a tiny little boy born at just 27 weeks, weighing just one kilo; a little boy who has defied all medical odds, whose survival can only be described as miracle. He should be dead. In fact, the doctor who delivered him pronounced him dead. Overwhelmed with grief, Kate and David were given Jamie for a cuddle; to hold and say good-bye to the son they believed it was dead. It's normal practice, but what happened was far, far from normal. Although Jamie had no visible signs of life, he was occasionally gasping for air, a reflex the doctor had told the new parents to suspect. The couple did everything they could to soothe Jamie in his last minutes. This video taken by a midwife clearly shows Jamie's movements, but, still, there were doubts. So in one last ditch attempt, Kate gave Baby Jamie some breast milk on her finger. To her amazement, he took it.

Note: To watch a video of this highly inspiring story, click here.

Israeli actors refuse to take the stage in settlement theatre
2010-08-30, The Independent (One of the UK's leading newspapers)
http://www.independent.co.uk/news/world/middle-east/israeli-actors-refuse-to-...

Five leading Israeli theatres were facing a mounting political row yesterday after a pledge by 60 of the country's most prominent actors, writers and directors to boycott the companies' planned performances in a Jewish West Bank settlement. The companies triggered the protest by planning a programme of performances to mark the opening of a new £6.4m cultural centre in the West Bank settlement of Ariel later this year. The protest ... includes Yousef Sweid and Rami Heuberger, two of Israel's best known actors, as well as its most venerated living playwright, Joshua Sobol, whose Holocaust work "Ghetto" won the Evening Standard Play of the Year award when Nicolas Hytner directed it at London's National Theatre in 1989. Their petition, sent to Israel's ... Culture Minister, Limor Livnat, expressed "dismay" at the theatres' decision to perform in the settlement's new auditorium and served notice that the artists will refuse to perform in any settlements. Calling on Israeli theatres to "pursue their prolific activity" within the "green line" that marked its border until the 1967 Six Day War, it says that to do otherwise would "strengthen the settlement enterprise."

The Muslims in the Middle
2010-08-17, New York Times
http://www.nytimes.com/2010/08/17/opinion/17dalrymple.html

Many of our leaders have a tendency to see the Islamic world as a single, terrifying monolith. Feisal Abdul Rauf of the Cordoba Initiative is one of America’s leading thinkers of Sufism, the mystical form of Islam, which in terms of goals and outlook couldn’t be farther from the violent Wahhabism of the jihadists. His videos and sermons preach love, the remembrance of God (or “zikr”) and reconciliation. His slightly New Agey rhetoric makes him sound, for better or worse, like a Muslim Deepak Chopra. Such moderate, pluralistic Sufi imams are the front line against the most violent forms of Islam. In the most radical parts of the Muslim world, Sufi leaders risk their lives for their tolerant beliefs, every bit as bravely as American troops on the ground in Baghdad and Kabul do. Sufism is the most pluralistic incarnation of Islam — accessible to the learned and the ignorant, the faithful and nonbelievers — and is thus a uniquely valuable bridge between East and West. The great Sufi saints like the 13th-century Persian poet Rumi held that all existence and all religions were one, all manifestations of the same divine reality. What was important was not the empty ritual of the mosque, church, synagogue or temple, but the striving to understand that divinity can best be reached through the gateway of the human heart: that we all can find paradise within us, if we know where to look. In some ways Sufism, with its emphasis on love rather than judgment, represents the New Testament of Islam.

But Will It Make You Happy?
2010-08-08, New York Times
http://www.nytimes.com/2010/08/08/business/08consume.html

A two-bedroom apartment. Two cars. Enough wedding china to serve two dozen people. Yet Tammy Strobel wasn’t happy. Working as a project manager with an investment management firm in Davis, Calif., and making about $40,000 a year, she was, as she put it, caught in the “work-spend treadmill.” So one day she stepped off. Inspired by books and blog entries about living simply, Ms. Strobel and her husband, Logan Smith, both 31, began donating some of their belongings to charity. Emboldened by a Web site that challenges consumers to live with just 100 personal items, Ms. Strobel winnowed down her wardrobe and toiletries to precisely that number. Today, three years after Ms. Strobel and Mr. Smith began downsizing, they live in Portland, Ore., in a spare, 400-square-foot studio with a nice-sized kitchen. She owns four plates, three pairs of shoes and two pots. With Mr. Smith in his final weeks of school, Ms. Strobel’s income of about $24,000 a year covers their bills. “The idea that you need to go bigger to be happy is false,” she says. “I really believe that the acquisition of material goods doesn’t bring about happiness. Give away some of your stuff,” she advises. “See how it feels.”

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