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#OWS, Educate Thyself: Credit and Banks (Part 2)

Previously in this series - Part 1: Introduction

Credit is a big part of the Occupy Wall Street movement. They want debt forgiven, some even calling for an across-the-board forgiveness of all debt. By having this demand, they reveal another area where their college education has failed them. Let's do a quick version of what they should have learned.

To illustrate, let's create a hypothetical scenario. Person 1 (let's call him “Bill”) has a business idea, but lacks the funds to make it a reality. Bill is sure that his idea will make lots of money, but he is frustrated because he cannot implement his idea. Person 2 (let's call him “Tom”) has money that he has accumulated that he is not actively using. Bill comes to Tom and asks if he can borrow some of Tom's extra money, so that he can implement his awesome idea. Tom is not sure about the purported awesomeness of Bill's idea, and is reluctant to lend Bill the money. Bill is so confident in his idea that he offers to repay Tom 110% of the money that he wants to borrow. This provides Tim an opportunity for financial gain, and he decides to lend Bill the money he needs.

This story illustrates some of the basic concepts of credit.

  • Loan - money belonging to someone else, that is temporarily made available to another person.
  • Interest - money, in addition to the loan amount, that is paid to the lender.
  • Risk - the likelihood that the loan and interest will not be repaid.

In our story, a 10% interest rate was enough to make Tom assume the risk that Bill's idea would generate the money Bill thought that it would.

Banks and other lending institutions have simply taken the above scenario and enlarged its scale. They take depositors' money, and lend it to those who need it. They also provide services, such as securing the money they've received, providing convenient ways for people to get to their money. For some services, banks charge fees; for some services, banks pay interest. Because banks must be able to return depositor's money on demand, they must assess risk before giving a loan. Some risk they simply will not accept; some risk they will accept, but charge the borrower a higher rate on the money to make up for it; and low risk is generally acceptable.

Student loans, a particular interest item to the #OWS set, are no exception. It is understood that obtaining an education may require money that a fresh-out-of-high-school person probably does not have. (Whether it should is a different topic altogether.) However, lending institutions see the value in having an educated populace, and are willing to extend loans to students to allow them to obtain productive skills. They realize that college-educated people are more likely to have good jobs, buy cars and homes, take vacations, and do lots of other things that inject money into an economy.

So, what's the problem with them forgiving loans? It's theft, plain and simple. Whoever was extended credit would be stealing the money not from the bank, but from the depositors of that bank. The bank is simply an intermediary set up to provide a mutually-beneficial service to both saver and borrower. (I'll tackle the class warfare aspect in the next post, but it's still their money no matter how much they have left.)

Another assumption regarding student loans is that the degree obtained will help this happen; with many degrees these days, a person may be no more qualified to hold employment than they were before they went to college. When I went through college right out of high school, my adviser recommended certain degrees as being more employable than others. I don't know if colleges don't have that, or if advisers these days think that we really need a ton of Fill-in-the-Blank Studies degrees; either way, that sort of degree has limited employment opportunity. If you obtained that sort of degree, and now can't get a job, you rolled the dice and lost. Now, it';s time to act like a grown up and get whatever work you can to provide for you (and your family, if you have one), and start repaying that loan you took out.

David Burge (AKA Iowa Hawk), via Twitter, provides a nice summary on this point.

Lemme get this straight. A bank lent you $100k that you handed to a college for a worthless degree, and now you're mad at… the bank?

Banks provide an important service by offering credit. If that credit is not repaid, the system collapses. If you think it's hard getting a job now, try bankrupting all the employers, and see how much more plentiful (or scarce) the jobs become.

Next in this series - Part 3: Income Inequality

#OWS, Educate Thyself: Introduction (Part 1)

This is the first in a series doing the education that the colleges which the Occupy Wall Street gang (#OWS hereafter, taken from the shortened version of their #OccupyWallStreet Twitter hash tag) failed to impart. I have two in the queue behind this one, but there may be more.

For those living under a rock, a group has been camped out in New York, protesting Wall Street. There was a list of demand published, but many protesters were quick to point out that there was no official list. However, there have been recurring themes. Corporations are greedy. The rich get richer while the poor get poorer. Debt is bad. People aren't hiring them even though they have a college degree. A job is a right.

Dear #OWS, your parents and your colleges have failed you. Before we dig into details of why your demands are unworkable, there are a few big-picture things we need to discuss.

Welcome to the Real World

This is where your parents have failed you. You are the generation who grew up “safer” than ever, protected from terrible things like concrete under your playground equipment, lack of head protection when you rode your bike, having to suffer the indignation of losing your soccer match because they didn't keep score, etc. You are the result of a social experiment gone horribly, horribly wrong, where a bunch of too-smart people decided that the way children were reared for generations had to change. They were going to do it better. They were going to do it more safely. They remembered how bad they felt as children, when they were picked last for sports, or struck out and helped their team lose a game; or how they were made fun of during the awkward stages as they grew from children to adults; or how they never fit in with the “in” clique at school. So, they tried to eliminate all these things. No scorekeeping, and everyone gets a trophy. “Don't say that word!” “Bullying is wrong!”

Where they went wrong is that by their attempts to eliminate bad things, they did not teach you how to deal with these bad things. I'm all for the elimination of bullying, but you can't wish that and make it go away; you should be trained on how to deal with it. In real life, there are winners and losers; there is no “no scorekeeping” option. Everyone does not get a trophy. There are attempts, and there are failures. You have tragically had your opportunities to learn how to deal with this as a child snatched from you. Now, you're behaving as children would normally behave; you're just a lot bigger. You're adults, so you think that your demands aren't childish. Sadly, I'm here to inform you that they are. Railing against the real world is futile; you are not going to change it, at least not much. You would be much better served applying yourself and learning how things work.

A College Degree Is a Tool, Not a Guarantee

Here is one area where your college has failed you. No matter what the admissions adviser told you, a college degree is not a guarantee of a good job. Even in good economic times, a college degree is likely to get you in the door, at an entry-level position. (You understand where the term “entry-level” comes from right? The level you start, when you enter a company?) The people that have been there for 10 years beg to differ with your assertion that you should start out at the level to which they have worked themselves up. And, if your degree ends with “Studies,” you're probably 1/4 as employable as someone with a degree oriented toward something a business would actually need.

The Corporations You Decry Have Made Your Protest Possible

You have utilized the services of several public and private companies. Let's take a look at the evil that's made this protest possible, shall we?

  • Twitter - Still a private company, Twitter was valued at $10B earlier this year.
  • Facebook - Also a private company, Facebook's valuation at early 2011 was $50B.
  • Google (GOOG) - You know, the owners of YouTube, the developers of the Android mobile operating system, and the target of your “Google It!” chants? They are a publicly-traded company valued at $57.85B (plus assets, minus liabilities)
  • Did you drive, or take public transportation, to get to the site of your occupation? Those evil oil companies made that possible.

Now, what you're not going to read in future installments are claims that the “real world” is perfect. There is room for change, and there are people running companies who have no business running them. However, if you want to maintain the lifestyle in America to which you've become accustomed, or improve it, you really don't want to be throwing the baby out with the bath water.

I'm sorry your parents and colleges have failed you. If you stay tuned to this spot, I'll help educate you on why the things you're so worked up about, contrary to what your “I wish communism worked because it's just such a good idea” professors taught you, are actually good for you.

Next in this series - Part 2: Credit and BanksPart 3: Income Inequality

The Cain Train - All Aboard!

I've made no secret of the fact that I support Herman Cain as the Republican nominee for president in 2012. With his recent victory in a Florida straw poll and passing both Rick Perry and Mitt Romney in a recent Zogby poll, he's certainly on the rise, and going to be a player in this Republican primary season. However, if you watch the news or listen to the traditional pundits, you'd think that this is a 2-man race between Romney and Perry!

Herman Cain and his wife, smiling and embracing while both looking at the camera
The Cain Administration filled the role
of First Lady 43 years ago

There have been some other “flashes” in the primary season so far, but each of them occurred after the candidate announced. Cain was one of the first declared candidates, and every time he talks, his numbers go up. One of the complaints many of us had in 2008 was that we felt that John McCain was selected by the media rather than elected by the people. “He's electable,” they said, “unlike these other guys…” To an extent, this is the prevailing narrative surrounding Perry and Romney; the former isn't electable, while the latter is.

The media doesn't want to acknowledge Cain, because he causes some problems in their view of the way politics in America works. (If the name wasn't already taken, maybe we'd call them “inconvenient truths”...) Let's take a look at these; rather than liabilities, these are strengths that will not only force conversation on these issues, but areas in which he resonates with the average American.

1. He's black

As a Democrat, this is a plus; as a Republican, this must mean that there's something wrong! (Yet we're the ones who are called racists - go figure.) Republicans have been pilloried as racists (or worse) for not supporting various Democrat candidates over the years - Jesse Jackson, Geraldine Ferraro, Barack Obama - with claims that we didn't support them because they were black or female. Why the “impartial” media amplifies these ridiculous claim is probably a bigger topic than we have time for here, but they are willing accomplices in painting the party of Lincoln as racists. Only in the affirmative-action-addled mind is one's race or gender a plus (if you're a minority) or minus (if you're a white male).

The media simply cannot abide a black man with a broad base of Republican support. I honestly believe that their minds are so steeped in their fantasy view of the world that they can't wrap their minds around this. This is a plus for him; his story of challenge-to-success is both authentic and inspiring. There was great celebration around Obama's election, which proved that racism was over; a week later, we started with the stories about how he was in danger because these racists wouldn't accept a black president. There is no appeasing these race-accusers; refuting their claims via our actions is the only thing that will may silence them.

2. He's successful

This blows up the media narrative as well. He isn't a low-to-medium-performing “diversity” hire (hired solely for his skin color), he has used his own education and work ethic to rise to the top. Through his two turnaround-CEO roles and his leadership of the National Restaurant Association, he has shown that you can get tangible results if you're willing to roll up your sleeves and do some hard work. While our current president was fomenting and organizing rage against the establishment (you do know what a “community organizer” does, right?), Herman Cain was working hard, making his businesses profitable, and stimulating both the national economy and the personal economies of his company's employees.

We should have known what we were in for, starting with the “present” votes in the Senate. Then, on to the ridiculously-named “Office of the President-Elect” (it's called a “transition team”), the job-killing health insurance mandate, two stimulus plans (plus an attempted third in the name of jobs) - I'm hard-pressed to think of a single program that the current administration has attempted that has actually made things better. It's time for a leader with proven results.

3. He's electable

I think that the media doesn't know what that word means. Bob Dole and John McCain? Electable. Ronald Reagan and George W. Bush? Unelectable. Yeah, that must be in some AP style guide somewhere, that mandates the opposite use of that word. Maybe it's like with your kids, where they don't seem to hear the words “not” and “don't,” choosing instead to do whatever it is you just prohibited.

This narrative on electability is just laughable. The media cannot see through their bias to understand what the average American actually wants. They want jobs. They want to be successful. They want to see their neighbors successful. They want to be able to make decisions for their family without the interference of a heavy-handed government. This is exactly what Herman Cain brings to the table, and stands in stark contrast to the current administration.

So - if you're expecting the “news” to inform you on Herman Cain, you're going to be waiting a while. If you think I'm off-base, research him and see for yourself. If you agree that the above sounds good, let's get together and work to make sure that Cain's success is so huge that even MSNBC can't ignore it!

UPDATE: Today's Wall Street Journal has an article called “Taking Cain Seriously.” It summarizes Cain's qualifications quite nicely.

The Reality of Troy Davis

Can you believe the state of Georgia executed a man where 7 of the 9 witnesses against him recanted? If you find that hard to swallow, you should; it's simply not true. The reality is that 34 witnesses testified against Davis - 34. It is true that 7 of them altered their testimony in some way; however, those alterations included:

  • 2 statements with subtle differences before the trial; these discrepancies were both addressed during the trial, and the witnesses did not say they lied or were coerced at all.
  • 2 statements were impossible to believe (according to the judge); they didn't match with the other testimony, and one of them even conflicted with Davis' mother's testimony.
  • 2 came from affidavits where the defense refused to put the affiants on the stand, rendering them unable to be cross-examined. The judge did not allow this.
  • 1 was a credible recantation, but the judge felt his testimony was of limited value for the prosecution.

So, rather than 78% (7/9) of the witnesses recanting, as claimed in the popular version of the story (picked up and perpetrated by those who are philosophically opposed to the death penalty in any case), we're looking at 3% (1/34) of the witnesses recanting. Now, for those who are opposed to the death penalty, that's still 3% too much; but, when you have someone who shot someone else once to knock them down, then came back and shot them again, while standing at point-blank range above them - 3% is within the margin of error. Even if everyone opposed to death penalty lied to keep him alive, you'd expect the percentage to be higher than that.

Lest you think I'm making this up, the documents are available for public perusal. Part 1 Part 2

I know that many of my friends are feeling sorrow and anger over this execution; hopefully having the facts will help you feel less sorrow or anger. In this case, you may object to the method, but know that it was not applied inappropriately in this case.

10 Years after 9/11

A picture from the explosion just after one of the planes hit the World Trade Center, with the caption “NEVER AGAIN” To the unholy alliance of al-Qaeda and the Taliban, I just have one question:

Are you enjoying your 72 raisins?

Never again. And if, by reason of treachery or covert actions, this does occur again, rest assured that your actions will lead to your fate matching that of Saddam Hussein and Osama bin Laden.

(In prior years, I have written about remembering this travesty, the importance of persevering to defeat those who perpetrated this, and remembering how I felt on that day. It was also two years ago when I profiled Louis Neil Mariani, one of the innocent Americans killed 10 years ago today. All these still apply. But, for today, my fist is in the air; I'm still angry, and I regret that we cannot exhume every terrorist we've dispatched in the intervening 10 years, resuscitate them, and kill them again.)

 

Unsafe, Illegal, and Rare

Only a month late (when I originally wrote the bulk of this - now it's more like 8 months late), this is the 8th annual “Sanctity of Human Life” post. It's going to be a long one; please don't TL;DR it. There's too much to this topic to do it justice in 5 paragraphs, and putting it out in parts would invite debate and assumptions about the parts I'd left out. This post is free of my typical snark, and also free of (atypical for me) hyperbole; I am completely serious, and have reviewed my words to ensure they are the ones I intended to use. The premise is simply this - abortion is morally wrong (which we now know, given advances in medical science), and as such, should not be legal nor easy to obtain.

Let's start with the framework within which I view the issue. I believe that man was created by God and placed here on this planet to live for His glory, and that He has given us the earth for our pleasure and enjoyment. I believe that evil exists in this world, that bad things happen, and that actions have consequences. I generally believe (though not always) in erring on the side of caution. I believe that, as God's creation, all life is sacred. I believe that God has enabled man to discover many beneficial things in the area of medicine and health care, and I believe that He expects us to use this knowledge within the framework and principles laid out in His Word.

(I fully realize that many of you reading this may not agree with that framework. Feel free to debate about what appears below, but the above paragraph contains things that, for me, are past debate. I've heard the arguments against it, and I'm simply unconvinced.)

In looking back through my archives, the post entitled “Abortion: A Bad Idea Whose Time Has Passed” was my 5th post on this blog. In this post from 2003, I mentioned (without citing) the medical advances that had happened since 1973's Roe v. Wade decision. This page has a good description of what happens day-by-day. At 21 days (3 weeks), the heart begins beating. With ovulation occurring 14 days after menstruation starts, and another 14 until it's due to start again, a woman would likely not even realize she's late before her baby's heart is beating. 9 days later, at 30 days, this heart is circulating its own blood supply, completely separate from the mother's, thanks to the placenta. Day 35, we've got a 5-fingered hand, and on day 40, we have brain waves. By one and one-half menstrual cycles, we've gone from nothing to a beating heart and brain waves.

Let's look at what happens up to 12 weeks, which is when pretty much anyone who approves of abortion thinks it's OK. The liver starts making blood cells, and the brain is controlling the limbs in week 6. Week 7 brings the jaw, tooth buds, and eyelids. Week 8, and I quote, “the fetus has everything found in a fully developed adult,” including stomach acid and a complete nervous system. Fingerprints, fingernails, and hair appear in week 9. In week 10, “the fetus can bend, stretch, make fists, open hands, lift its head, squint, swallow and wrinkle its forehead.” Week 11 brings urination, and in week 12, the baby is breathing amniotic fluid, has sleep/awake cycles, and does exercises. All this knowledge has been gained due to ultrasound technology and other study.

Now, God, morality, and everything else aside - read those descriptions again. Does that sound like an unviable tissue mass? Sure, it's dependent upon its mother for sustenance, but how is that different from a newborn baby? It isn't - and that's what we've learned. It's not a blob of cells that represent an inconvenience, it's a new creation that has been entrusted to the mother. Even without counting abortion, an estimated 25-33% of pregnancies end in miscarriage or stillbirth (according to HopeXchange, an organization that help people cope with these types of losses). With numbers that high, it would seem to me that the tissue masses that are unviable are taking care of things themselves.

Respect for life is one of this country's core principles; “life, liberty, and the pursuit of happiness” are inalienable rights enumerated in the Declaration of Independence. Laws against murder are nearly universal, even in countries that cannot claim the God-seeking history that ours can. It is simple human nature that reasonable humans understand - it is wrong to take the life of another without cause. (This is not to imply that I am anti-death penalty or anti-military; there are limited times when life-taking can happen in a moral way.) With science again backing up Scripture, we see that the developing fetus is simply a pre-born baby that is being knit together in its mother's womb.

So now, let's look at the whole “safe, legal, and rare” thing, a phrase used by many pro-choice supporters to describe their desired state of abortion. It's a given that “safe” doesn't apply to the unborn baby - they suffer near 100% fatalities. (Yes, near.) But is abortion as we know it today safe for the mother?

  • A recent study in the British Journal of Psychiatry found that abortion accounts one in ten of every adverse mental health issue women face as a whole, correlating to greater-than-double risks for alcohol abuse and suicide, and triple risks for marijuana use. Melissa Clouthier has a great summary of this study, as well as some commentary.
  • Recent medial studies have found that there is an increase in breast cancer risk for those who have had abortions, similar to those who have given birth prematurely (before 32 weeks). The reason is that the cells that the body produces during the early stages of pregnancy are immature, cancer-prone cells, which mature during the final two months of pregnancy.
  • There are many risks to the uterus as well. Risks of uterine perforation, cervical lacerations, and placenta previa all increase due to the trauma on the internal lining of the uterus.

Now, childbirth brings its own complications, to be sure; I don't mean to imply that birth is completely safe. However, birth does have the advantage of being how our bodies are designed to work. Given the risks, I believe abortion is unsafe for both mother and baby.

We've established unsafe; how about legal? We know that Roe v. Wade “legalized” abortion, but there are still laws regarding its practice. Different states have different laws; nearly all states permit abortion through the first trimester, and some allow it through the second trimester. Few permit it in the third trimester, and there is now a Federal law against “partial-birth abortion,” a practice so abhorrent I'm not even going to describe it here. But, do its practitioners follow these laws? Some do; others, like Kermit Gosnell (link gone) do not, and Lila Rose has made a career exposing the unethical and often illegal practices at the nation's #1 abortion provider, Planned Parenthood.

Hmm - we're 0 for 2.

How about rare? Well, let's look at the statistics. In 2008, there were 1.2M, down a little from the previous year; however, births were also down 2%, to 4.2M births. So, we prevented 22% of the pregnancies from resulting in births. I would not consider something that happens between a fifth and a quarter of the time rare, and I don't think anyone else would define it that way either. What it comes down to is this: if it's safe and legal (as we've been told, and those who question are ridiculed), it won't be rare.

Now, let's contrast this with the opening paragraphs. Abortion is not safe; it kills the baby, and causes health problems from the ex-mother. It's not rare; it occurs in over 1 out of 5 conceptions. As a person with the beliefs I laid out above, this is an absolute no-brainer. God created our bodies to reproduce; it's a natural consequence of the act that leads to conception. The easiest way to avoid conception is to avoid intercourse (also advocated in Scripture for those who are not married), and the fruits of that intercourse are, time and time again, referred to as gifts from God.

As an American, I see 20% of two generations now cut down before they breathed their first breath. I see counselors having a very easy time convincing people not to have abortions, simply by using ultrasound to show these ladies the life that is living inside them. I hear of post-abortion counseling groups with waiting lists. Have we aborted the person who was to find the cure for cancer? The scientist who was to determine how to produce food in desolate regions? The person who was to invent the flying car? Who can say what the long-term consequences have been for our folly of convenience.

It's not safe. If it's made illegal, only then can we hope to make it rare.

On Men and Women

Last week, Focus on the Family had a very rare 3-part series called “Thriving as a Modern-Day Woman.” Now, you may be thinking, why am I listening to a program on how to thrive as a woman? Well, the name of the episode is taken from the book Thriving as a Modern-Day Woman, written by Shaunti Feldhan and Robert Lewis. Robert Lewis is also the author of Raising a Modern-Day Knight, a book about raising sons; it draws parallels among the current time, the time of the knights, and the Bible. So, there's the hook. :) If Robert Lewis is involved, I'll listen.

The discussion was interesting, but as I was listening (as a non-woman), one thing became clear. Guys, we are the ones who can enable our wives to thrive. Women have a great ability to see what's done, and what isn't. If “what isn't” falls under something we should have taken care of, but we aren't doing it, she's going to either nag us to do it, or she'll just do it herself. Neither of these helps her focus on what she should be focusing on, nor is it very productive.

So, what things “should” she be focusing on? I love Dr. Juli Slattery's hosting technique; invariably, she'll ask the question, “Well, what does this look like?” The point is that this may be all over the map, depending on how the couples relate to one another. However, it is based on roles set forth in the Bible, on how both a husband and wife are on the same team, and are happiest when they are filling these God-given roles.

But, enough babbling from me about it - go listen for yourself; it's an hour and a half well-spent. For bonus points, put this on your portable audio player and go walking while you listen!

Focus on the Family - “Thriving as a Modern-Day Woman” - (no longer available for download)

It Was Time for a Change

So I made a big one!

After moving to BlogEngine.NET 11 months ago, things started off great. Then, around the first of the year, I started running into some problems. The details are probably more geeky than you really care about; if you do, you can check them out on the tech blog. The biggest problem here was that, after a major upgrade to the runtime environment, the categories weren't being saved.

So, the short version - the blog you're reading is once again running WordPress. The only thing that's a little odd is that BlogEngine doesn't track the user agent from the browser; so, if you left a comment between October 1, 2010 and August 31, 2011, when you look at the comments here, it'll say you were using Google Chrome on Linux. (If that bothers any of the 4 of you, just let me know what OS/browser you used, and I can change it.)

I'd also had the current theme for more than two and a half years, and while I liked the minimalism, I wanted something a bit brighter (but not too much). The theme I'm running now is called “Green Hope” and I was happy to not have to change it around a whole lot; it pretty much worked the way I wanted out of the box. The category and year/month archives that used to be in dropdown menus are now located on the “Archives” page, linked in the green bar just below the heading. “Daily Reads” and “More Sites” are now in the sidebar, and there's a tag cloud just below the Verse of the Day in the upper part of the sidebar.

I have two pretty good-sized drafts in the wings, and ideas for several more. Let's do this!

15 Years

Fifteen years ago today, there was a ceremony in Chattanooga, Tennessee, where a beautiful young woman and a (hmm… clean?) young man became husband and wife. That young man was me, and the beautiful young woman was my bride Michelle. The vows we took were not remarkable; in fact, we discussed it and decided to use traditional vows, which were (to the best of my memory)…

Michelle sitting on a rock ledge at Pretty Place Chapel, with a view of mountains in the background and a valley below

I, Daniel, take you, Michelle, to be my lawfully wedded wife; to have and to hold from this day forward; for richer, for poorer, in sickness and in health; I promise to love, honor, and cherish you, as long as we both shall live.

Now, there is certainly nothing wrong with these vows, although it's a shame that “for richer” part hasn't kicked in yet. However, I didn't have a clue as to the amazing journey that these few words would start. On this occasion, in front of God and these assembled witnesses (that's you, Internet), I would like to offer some additional vows.

Michelle,

I will gladly remain your husband for the rest of my days. You truly complete me; where I'm weak, you're strong, and where you're weak, I'm strong. As we've shared our life together, I have learned to love you more deeply than I ever thought possible. Through each challenge, standing with you has made us stronger, and together we've fought down every one. I cannot remember my life before you, and I do not want to imagine my life without you. You are a blessing from God to me on a daily basis; yes, even in those things I may not want to hear, you love me enough to tell me what I need to hear. You believed I could become more than I was, and you inspire me to become better than I am. I am forever in your debt for the love you have shown to me, and I hope that I can return at least a portion of that to you in the years to come. I love you, and will always love you, as long as I may live.

Happy Anniversary, sweetheart!

Osama bin Laid to Rest

Yesterday was a great day for the United States of America. In case you (like this guy used to do) have been living in a cave the past few days, the al-Qaeda leader behind the 9/11 terror attacks, Osama bin Laden, has been killed. After a nearly 10-year manhunt, most Americans are joyful today. While his death will not bring about the end of terrorism, it is an important symbolic victory in the continuing (if not in name) War on Terror. From the 1993 World Trade Center bombing, to the 2000 USS Cole bombing, Osama bin Laden had hit at American interests several times. 9/11 was the straw that broke the camel's back, and we began trying to get him in earnest. I have great hopes that the intel that was gathered during the mission will enable us to complete the work of dismantling the terror network for good.

Pakistan, you've got some questions to answer as well. Why did it take us not telling you about an operation for it to finally work?

And, a note to my Christian friends quoting Proverbs 24:17-18…

17 Do not rejoice when your enemy falls,
and let not your heart be glad when he stumbles,
18 lest the Lord see it and be displeased,
and turn away His anger from him.

- Proverbs 24:17-18

Is the Lord going to bring Osama bin Laden back to life? I think not. This act was an act of vengeance, I'll not argue that point; however, it was also an act of defense. I will sleep better knowing that this person has begun meeting justice, and will be meeting it for eternity. As a Christian, I am sad that another soul has died without Christ; however, nothing I read in Scripture indicates that evil has unlimited chances to repent. In fact, the Bible says that all men are without excuse. His death will save lives long-term.

I leave you with the scene unfolding as David and the Israelite army return from battle, David having just slain Goliath.

6 As they were coming home, when David returned from striking down the Philistine, the women came out of all the cities of Israel, singing and dancing, to meet King Saul, with tambourines, with songs of joy, and with musical instruments. 7 And the women sang to one another as they celebrated….

- 1 Samuel 18:6-7a (ESV)

There is absolutely no reason that we cannot rejoice in this military victory for our nation. As a nation, we haven't had a lot of bright spots lately, so this one is probably amplified because of that. God has delivered him into our hands - why should we not rejoice?