August 29, 2008

Reiser is Sentenced

 FRIDAY

Hans Reiser is Sentenced for Second Degree Murder

Details are in Henry Lee's post in the San Francisco Chronicle. Go to> http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/08/29/BAIQ12KT15.DTL&hw=reiser&sn=001&sc=1000  .

The short version is that Hans Reiser has admitted to striking his wife in fury over child custody, then holding her carotid artery until she died.  He stuffed her body into a bag and disposed of it where it was found. He is "sorry".  In exchange for the second degree murder sentence (15 to life) he has waived his appeal rights. It seems probable that Hans' son really did see Dad carrying the Mom sized bag that night. 

Approximate justice has been done.

 

The end...

JBG

 

 

 

 

August 28, 2008

The Out-Lawyer Addresses Gay Marriage

In Memoriam: Mark Alan Koop, 1949-2008.

 

Mark Koop was a brilliant lawyer, a gay man who remained loyal to his life partner for 36 years, and who died unexpectedly in Berkeley, CA of a rare lung disorder.  He was a man of stubborn religious faith and impressive classical scholarship.  His final parish – where the funeral mass was conducted on Tuesday - is distinguished by its large number of faculty-members, its resident rabbi and long tradition of  world class choral music.  The place was packed with lawyers, family, faculty, friends and congregants from at least three faith communities.

 

JBG
 

As Published On

The Out-Lawyer’s Blog: http://www.jaygaskill.com/blog1 

The Bridge to Being Blog: http://www.jaygaskill.com/blog2

The Human Conspiracy Blog: http://www.jaygaskill.com/blog3

The Policy Think Site: http://www.jaygaskill.com

All contents, unless otherwise indicated are
Copyright © 2003, 2004, 2005, 2006, 2007 & 2008 by Jay B. Gaskill
Permission to publish, distribute or print all or part of this article (except for personal use) is needed. [Permission for use in group discussions is almost always routinely given.]
Please contact Jay B. Gaskill, attorney at law, via e mail at law@jaygaskill.com

 

About Gay MARRIAGE

 

Link to Print Version -- http://jaygaskill.com/OutLawyerAnalyzesGayMarriange.htm
 

INTRODUCTION TO THE LEGAL ANALYSIS

 

Let me begin with the end.  Cultural history is not linear.  There is no particular guarantee that what the “decent” people consider to be social progress will continue in a straight line or even continue at all during the lifetimes of the current crop of adults.  This is particularly true of sexual mores. Particular cultures tend to go though ‘sex cycles’, if you will, from libertine to prudish and back again.  There are cultural limits imposed on our humor at the moment, for example. Our politically correct nannies seek to impose what amounts to a form of neo-prudish repression of expression. 

 

Not only does cultural history stubbornly defy predictions along a timeline, it always plays out differently in different places.  Inevitably there are cultural bubbles, zones defined by a sort of encapsulated cultural consensus like that surrounding San Francisco. Bubble inhabitants tend to misunderstand the rest of the world.

 

The Gay and Lesbian civil rights struggle has been won as far as most people who live in the outside-the-bubble USA are concerned. Within the bubble, gay and lesbian civil rights are still seen through the lens of oppression.  In the larger world, the issue of homosexual marriage is considered a boutique issue, one of marginal concern at best, affecting a tiny fragment of the larger population in a world torn by real repression, terror, plagues and brutal poverty.

 

When people try to address a moral – political – social issue of this heightened sensitivity, the approaches tend to sort into separate moral, realistic and prudential discussions.  I’ve tried to do all three, folding in moral, theological and realistic analysis issues with a sort of prudent, “what’s next’ analysis. You can find that article posted in PDF format at

 

http://jaygaskill.com/AboutGaynessEcclesialAndSecular.pdf .

 

As almost everyone knows, the California Supreme Court ruled on May 15, 2008 in a narrowly split decision (In re Marriage Cases), that the California Constitution implicitly requires that same sex marriages be honored.  A flood of gay marriages has followed, pending further electoral and possible legal action. 

 

This is a legal Overview of --
The Marriage question

States enjoy complete control of the marriage laws within their jurisdiction.

 

As I write this, the California Supreme Court has interpreted the state constitution to require that all the legal incidents and benefits of the official marriage relationship (including formal marital status) that are available to heterosexual couples must be also made available to heterosexual couples.  This action can be reversed at any time by the legislature (very unlikely) or by a voters’ initiative (too soon to tell).  But the California legislature’s action (affirmed by the court) to extend the various economic benefits enjoyed by traditional married couples to same gender couples is probably here to stay.

 

[???] Should the United States attempt to redefine marriage to accommodate same gender couples or to prevent their marriages when allowed by individual states? 

 

[???] Should it act to prevent some of the states from doing so?

 

The answer to the first and second questions is no, in my opinion. This is based on the historical fact that the determination of marital status is reserved to the states.  As to the second question, the federal government could not actually bar gay marriage in the states without a constitutional amendment.  That is very, very unlikely to happen.

 

Do the circumstances call for the development of other, parallel institutions, in effect of a new category of “almost-marriages” for gays and Lesbian couples? Again, that depends on individual state action, but I would argue that, yes, that is an appropriate avenue for gay/lesbian accommodation, especially when actual marriage is not permitted by a given state. [As I note in my larger article referenced above, no state, nor the federal government, can lawfully prohibit religious institutions from performing gay/lesbian marriage ceremonies or blessings any more than the government can prohibit or proscribe prayers inside any church.

 

How much local variation on an issue this sensitive will American public opinion accommodate to?  The short answer is that the pattern of gradual accommodation will continue unless and until public opinion is roused by a perception of “overreaching”.  The recent split decision by the California Supreme Court actually overturned a previous voter’s initiative that had been intended to preserve traditional marriage.  The next election may or may not represent a backlash.

 

The great majority of the US population and separate majorities within an overwhelming majority the 50 states would still reserve “marriage” to the traditional man-woman family alliance.  As long as this state of opinion obtains, the politics of democracy will prevent a national redefinition, but it hardly bars individual states from reaching differing levels of accommodation. Given the weight of public opinion (allowing for the obvious exceptions) it unreasonable to expect the majority of the states to acquiesce in a developing legal situation that might ultimately compel them to make that accommodation against the will of their own constituencies.  It was precisely to prevent the latter scenario that impelled to Clinton administration to support the Defense of Marriage Act, designed to permit state experimentation, while insulating the non-participating states from required recognition of an arrangement not sanctioned within their own borders

 

The contemporary institution of marriage, after we straights have fought over it in court all these years, carries a huge accumulated weight of social and legal baggage. I have made a very short list of some of the recurring problems associated with our venerable and valued institution.

 

  1. Alimony fights. Either spouse may get lifetime alimony payments from the other in a divorce, particularly when the marriage is a long one and there is a disparity of income between the two.  Subsequent marriages are made vastly more problematic when a former spouse, motivated more by greed and anger than authentic need, plays the “alimony card” in a destructive way.
  2. Marriage as hostage.  Divorce and the desire to make a new life in subsequent relationship are facts of life in the modern culture. Divorce lawyers prosper because of human nature. A recurring phenomenon is the “I’m not giving you a divorce as long as you’re living with X” stance.
  3. Bitter, destructive child custody battles. Consider point five as it relates to this thorny issue.
  4. Unpredictable court outcomes. Regrettably, no jurisdiction I know of has managed to come up with fair, objective, easily administrated rules for resolution of divorce related issues.  Consider that in commercial and criminal law, millions of dollars and multi-decade jail sentences are meted out every week with less fuss and anger than in a typical divorce case. I believe that a major reason for this is the absence of objective rules. This explains the otherwise perplexing fact that more judges and lawyers are murdered by litigants every year in divorce cases than all other legal proceedings combined.  That which is not rule-driven becomes personal.

 

With that distressing preamble is out of the way, let me outline how I understand how the real issues may play out:

 

[1] All other things equal, the law will support a deeply rooted social tradition that does no affirmative harm. 

 

Marriage (warts included) has been a remarkably stable social model for several thousand years. This remains true in spite of the divorce rate and all of the changes over the last few centuries.  The classic marital model has remained the same in its most essential elements. What are those elements?

 

For all recorded history (before the last few years), marriage in the classic model has been the sole officially sanctioned union of a human couple, consisting primarily of one man and one woman (even in the more primitive polygamy model, the marriage relationship was heterosexual), for the purpose of establishing a family unit tied together by mutual promises of support, monogamous fidelity, and loyalty. 

 

Yes, there were some variations from the classic model. But they have been minimal over five millennia, mostly limited to peripheral matters: think of the age-definition of “woman” (e.g., the betrothed pre-pubescent teen); the issues concerning which man or woman could marry which man or woman (referring to the parental consent and marrying outside class, religious and racial barrier issues); and the varying modalities of “official sanction” (i.e., tribal chief, shaman, judge, priest, mayor, ship’s captain, county clerk, and, of course, the number of women married to the man. After all this time, we can say with confidence that the classic model is so pervasive and so dominant for so long that the few counterexamples can reasonably be characterized as mere experiments. But never (until now) has there been real dispute about the core concept, the idea that marriage is the sole, official social/legal unit of the family, the recognized union of men and women.

 

Marriage has been historically unique, differing from the various other personal contractual arrangements by at least these four features:

 

(a)    Open notoriety [That is, marriage is open, public and proclaimed, conferring a recognized status on its members, that of wife and husband.]

(b)   Non-reservation [That is, the marriage arrangement is open-ended in time, and its inherent mutual obligations are not qualified by reserved exceptions, like “as long as we have male children”.]

(c)    Creation of a family unit;

(d)   The requirement of official sanction to establish it and to dissolve it. [Unlike an ordinary contract, marriage can’t be terminated at will by the parties.]

 

In ancient times there was little or no distinction between religious and civil authorities, so the official sanction of marriage always had religious overtones.  Over time, marriage mutated in and out of the exclusive domain of religious sacramental authority, arriving at a hybrid, where it was created jointly by secular and religious authority. In later years, marriage has become a stand-alone civil institution legally effective and recognized with or without specific religious sanction.  In the modern, U.S. version, there are at least six currently recognized legal consequences created by the official marital status:

 

  1. Mutual property allocation rules (which vary between jurisdictions);
  2. Joint parenting authority;
  3. Joint parenting obligation;
  4. Joint and several child support obligation;
  5. Inheritance;
  6. Mutual spousal support obligation.

 

During the 20th century, a number of special economic benefits were granted to married couples, including joint income filing status (not always a benefit as the advocates of eliminating the “marriage penalty” will tell you), shared health plans and pension benefits. And in the last two decades, some “domestic partner” benefits (primarily shared health insurance) have been afforded non-married couples by some private companies and municipalities. Inheritance issues of non-married couples are typically handles via wills, a legal solution readily available to gay couples as well.

 

[2] The law will always be able to allow local experimentation and variation at the state level; The federal drug laws are a notable but irrelevant exception to the larger generalization.

 

In this new century, European social experimentation altering core elements of the traditional marital relationship has already begun. Gay marriages are now sanctioned in some Scandinavian countries and other, “almost marriage” arrangements, such as time-limited marital style contracts, are being tried out elsewhere in Europe for heterosexual couples.

 

[3] The “full faith and credit” clause of the constitution is a possible loophole that may or may not have been closed.

 

The “local option” alternative makes perfect sense in our federal system. But, given the sensitivity of the issue, the option may need to actually stay local, lest the exceptions swamp the rule. The problem here is that the “full faith and credit” clause of the US constitution requires each state to honor the contractual arrangements validly entered into in a sister state, even when that state might not have approved the contract itself.  Applied to marriages, the result would be similar to that of a Nevada divorce, required to be immediately honored in all 50 states, even those with longer waiting periods and stricter divorce requirements.

 

Should Vermont, Massachusetts and California, say, allow gay marriages, the remaining 47 states would arguably be flooded with married gay couples whose marital status would then be valid everywhere in the union. This is why the Congress (with the full support of the Clinton administration) enacted the “Defense of Marriage Act” of 1996. [The Wikipedia article is an excellent summary. Link: http://en.wikipedia.org/wiki/Defense_of_Marriage_Act .]

 

That act does not prevent any state from approving gay marriages, but it does prevent the “full faith and credit” clause from requiring them to be honored in those states that choose not to do so. 

 

The social conservatives who oppose broad legalization of gay marriage have raised a concern that the 1996 act may be overturned by a federal judge at any point to the extent that it is seen to conflict with the Full Faith and Credit clause.  This group would immediately press for a constitutional amendment to ‘plug the loophole”. Given public sentiment at the time, the amendment process would be a huge wild card, and the possibility of a successful attempt to outlaw all gay marriages, however remote, is a caution light for those who might press the case that the 1996 Defense of Marriage Act is unconstitutional.  So at present, there is an uneasy legal truce while public opinion sorts itself out.

 

[4] Equal protection arguments may occasionally succeed at the state level but are likely to fail at the federal level – at least in the near and mid term.

 

We often hear the gay marriage issue posed as a civil right’s issue under the equal protection of the law, as guaranteed by the 14th Amendment to the U.S. constitution. The hope for some sort of “Brown vs. Board of Education” Supreme Court intervention is an unreasonable “in the bubble” expectation – at least for the foreseeable future.

 

There are three distinct, but slightly overlapping legal tests of equal protection, only one of which -- the so called “strict scrutiny” test -- would reasonably be construed to support an analysis that granting marriage only to the traditional “one woman marries one man” model denies the equal protection of the law to same gender marital candidates. But the strict scrutiny test so far applies to invidious discrimination based on race or arbitrary discrimination that burden’s a fundamental right. No U. S. Supreme Court decision has yet identified the right of two males to marry each other as fundamental, or even a cognizable right at all.  So we have the classic bootstrap problem: the right to marry within the same gender must be a fundamental right before it is a 14th Amendment right.

 

Of course, this does not prohibit states or even the deferral government to allow such marriages to take place, but the federal constitution cannot require it.

 

Here is part of the argument: An adult gay male is not (and cannot be) forbidden by virtue of his homosexual status to marry an adult female; therefore he is treated, at least formally, exactly the same as a heterosexual male. The same reasoning holds for lesbians, of course. But two heterosexual males could be forbidden to marry each other, just as two homosexual males are forbidden (and ditto for women).

 

The recent California case arose under the state constitution.  In an earlier case, the California Supreme Court held that the economic benefits granted to traditional man -woman marriages could not be withheld from same gender domestic partner couples. The court at that time declined to go further and impose a requirement that the entire body of marriage laws, including the marriage designation, be applied to these same gender couples.  But the recent decision taking that final step has provoked a ballot measure that – if passed – would nullify the recent decision, but presumably not the first.

 

The real genius of American federalism is that it contemplates and accommodates just this sort of creative experimentation on otherwise divisive social issues. We can expect this recognition trend to continue, whatever the fate of any proposed federal constitutional amendment or local initiatives on either side of the issue.

 

JBG

 

 

 

What’s in my 22 page article?

 

Excerpt One:

 

Many biologists tend to assert strongly that human behavioral patterns are not inherited.  That is far too simplistic.  Left handedness, musical aptitude and any number of temperamental characteristics manifest well in advance of socialization.  Clearly, while our specific behaviors are not genetically predetermined, many of our behavioral tendencies are the result of our “wiring” (metaphorically specking). 

 

A tendency not to affiliate reproductively with members of the opposite gender – when consistently carried out – amounts to genetic suicide. Moreover, male homosexuality runs against the prevalent social grain.  Manifestly, biology is at work.

 

We therefore have a prima facie case for a set of inherited biochemical features that can trigger or predispose some males to manifest a gay orientation at some point in their adolescent development.  Yes, whether this orientation results in specific sexual behaviors is a separate question, just as whether predispositions to temper outbursts, irritability or amiability result in specific social behaviors.

 

 

Excerpt Two:

 

The rate of occurrence of true homosexuality (as opposed to situational homosexuality in some prison environments) is roughly one in fifty, two or three per hundred.  Assuming these numbers are about right, we might expect the adaptation to serve a group purpose that would be useful to a clan of fifty to one hundred individuals (all genetically related), and that this utility would be sufficiently valuable to ensure the perpetuation of the “gay” genetic tendency as a recessive within several reproducing members in the clan at all times. 

 

I believe that “clan utility” is the key to the preservation of the gay male genetic predisposition ‘package’ as it persists within the larger population.  As I will develop, I am persuaded that gay males fostered prehistoric clan survival by mitigating intra-clan conflict among competing males.

 

This a reasonable conjecture based on the understanding that in humans, sexual conduct facilitates year-round affiliations, primarily but not exclusively directed to recruiting the male into child rearing cooperation.  When males compete with other males for mates, and when females compete for males, various forms of destructive social conflict are engendered.  At the clan level, we can infer that this conflict was sometimes destructive enough to impose a survival disadvantage.  Put another way, the internally peaceful clans probably had a selective advantage over the internally warring ones. To the extent that the presence of one or more gay males in the clan-group fulfilled a peacemaking or mediating role, the favored clan would tend to prosper – provided all other factors were equal. The families within the clan that tended to produce occasional peacemakers would preferentially survive and reproduce to the extent that the clan did the same.

 

In clan males, the adaptive contribution of a same sex affiliation orientation (to the exclusion of females) would produce at least one potential leader-mediator unencumbered by the competition for female mates. That same trait (or suite of linked traits) may well be linked to a talent for or predisposition to mediative functions.  If this conjecture bears out, we would a higher than random incidence of homosexuality among males whose clan role was/is shaman, mediator, or clown.  That may well be the case.  Reportedly a disproportionate percentage of gay males serve in the Roman Catholic priesthood, an example that certainly suggests (but does not “prove”) the persistence of this gay role specialization.  Cultural anthropologists report a similar role for gays among many surviving Paleolithic cultures (oral traditions among the current aboriginal peoples preserve the memory of the meditative role of gay males within clans and tribes).  I’m not aware of any comprehensive data other than a large number of anecdotal accounts.  Solving the data collection problems will probably remain elusive for decades.

 

Excerpt Three:

 

I know of no thoughtful ethicist, secular or religious, who can defend every prohibition and precept in Leviticus.  Even when we entertain that the entire body of Biblical scripture originated with divine inspiration, the resulting collection (with all the inevitable translation and decoding errors) is more like a closet full of letters from several generations of the previous owners, some having to do with house maintenance, some with health issues and still others setting out principles of moral wisdom that you can take on the road and live by wherever and whenever you journey.

………………………………………………………………………………………………

 

 

 

 

 

[2] The social conservatives who oppose broad legalization of gay marriage have raised a concern that the 1996 act may be overturned by a federal judge at any point to the extent that it is seen to conflict with the Full Faith and Credit clause.This group would immediately press for a constitutional amendment to ‘plug the loophole”. Given public sentiment at the time, the amendment process would be a huge wild card, and the possibility of a successful attempt to outlaw all gay marriages, however remote, is a caution light for those who might press the case that the 1996 Defense of Marriage Act is unconstitutional.So at present, there is an uneasy legal truce while public opinion sorts itself out.[4]
[2] The social conservatives who oppose broad legalization of gay marriage have raised a concern that the 1996 act may be overturned by a federal judge at any point to the extent that it is seen to conflict with the Full Faith and Credit clause.This group would immediately press for a constitutional amendment to ‘plug the loophole”. Given public sentiment at the time, the amendment process would be a huge wild card, and the possibility of a successful attempt to outlaw all gay marriages, however remote, is a caution light for those who might press the case that the 1996 Defense of Marriage Act is unconstitutional.So at present, there is an uneasy legal truce while public opinion sorts itself out.[4]

August 12, 2008

No action in the Reiser case

I've been reliably informed that whatever post-conviction deal was pending - or lack thereof - will require more time.  Nothing is expected to happen Wednesday.  I'll post an update as soon as something of note happens.

JBG - The Out-Lawyer  

August 09, 2008

WHY OAKLAND MAY NOT REVIVE

 

As Published On
The Out-Lawyer’s Blog: http://www.jaygaskill.com/blog1
And
The Policy Think Site: http://www.jaygaskill.com
All contents, unless otherwise indicated are
Copyright © 2005, 2006, 2007 and 2008 by Jay B. Gaskill
Permission to publish, distribute or print all or part of this article (except for personal use) is needed. [Permission for use in group discussions is almost always routinely given.]
Please contact Jay B. Gaskill, attorney at law, via e mail at law@jaygaskill.com

 

LINK TO PRINT VERSION -- http://jaygaskill.com/TheOaktownChronicle.htm

 

I AM NO LONGER CONFIDENT THAT OAKLAND CAN PULL OUT OF THE CURRENT CRIME WAVE IN TIME TO AVERT A MAJOR ECONOMIC DOWNTURN. AND I’M AN INCORRIGIBLE OPTIMIST…

 

Jay Gaskill
Saturday, August 09, 2008

 

THE OAKTOWN CHRONICLE

 

The murder rate is out of control. Violent, thuggish crime is out of control.  There are two thousand too many felony parolees AND at least 100 too few active duty street-level police to manage Oakland’s thug problem.

 

At an annualized rate, Oaktown is headed to a bumper crop of murder victims. By August 3 of this year there were 81 dead victims. This startling number foreshadows about 150 total killings by the end of the year. 

 

With a population of roughly 420,000 Oakland’s murder rate far, far exceeds that of New York City on a per capita basis. That city of 7 plus million had fewer than 500 murders in 2007; those numbers are up 8% in 2008.  To approximate Oaktown’s dubious accomplishment, New York murders would have to reach 2,570. They are nowhere near that number, of course. [Please do your own math here; it’s a chilling exercise.]

 

THE OAKLAND MURDER RATE IS ABOUT 35.7 KILLINGS PER 100,000 PEOPLE PER YEAR.  THAT’S 357 PER YEAR FOR EVERY MILLION.

 

Thugs are holding up popular restaurants and patrons (surprise) won’t eat out in Oakland after nightfall.

 

Mayor Dellums seems as sympathetic to the out-of-control thugs as to their terrified victims.

 

Please read these stories, published across the bay in the San Francisco Chronicle, then make a choice: (a) weep for Oaktown’s bleak future; (b) get active to do something about it…

 

A Plague of Killing. http://www.sfgate.com/oaklandhomicides/

 

Oakland on Edge after a string of holdups. http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/08/09/MNQ0127RA4.DTL

 

Note these pull quotes:

 

  • In the past month, hooded or masked gunmen have burst into eight restaurants from Piedmont Avenue to East Oakland, stealing money from customers and clerks. The holdups, on the heels of a similar wave of robberies in North Oakland earlier this year, have residents fearing that no place in the city is immune to brazen crime.

 

  • Mayor Ron Dellums, speaking with reporters Thursday, urged people not to develop a siege mentality and said police and city officials are moving swiftly to make the city's commercial areas safe.

 

  • "There's no magic answer," Dellums said. "There's no silver bullet. When people are desperate, they take desperate acts. We've got to keep trying as diligently as we can…

 

THE OAKLAND HOMICIDE MAP http://www.sfgate.com/maps/oaklandhomicides/

 

CHIP JOHNSON’S COLUMN IN THE SAN FRANCISCO CHRONICLE:
OAKLAND DESERVES A REAL MAYOR: http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/07/29/BABG120TJM.DTL

 

Pull quotes:

 

  • After being led by two consecutive celebrity-politicians as mayor, the people of Oakland might be better served with a citizen-mayor, one with his - or her - feet firmly on the ground and familiar with residents' desires, government's challenges and the city's top priorities.

 

  • Mayor Ron Dellums, the 72-year-old former longtime East Bay congressman, has come to realize through the smoke and haze of a month in hell, that neither he nor his staff possesses the experience or skill to manage the city's fiscal and service operations.

 

  • In his first year, Dellums spent most of his time in study and travel, a political sabbatical of sorts.

 

  • If Oakland's experience with celebrity mayors provides a lesson, it would be that hard work, long hours and a continuous vigil for opportunities - and efficiencies - are the ingredients to becoming a successful mayor.

 

[][][]

 

Dear Mayor Dellums:

 

You have known about the Oakland crime problem from the first day in office.  Surely, by now it has occurred to you that there still aren’t enough police officers on the streets.  Otherwise, why would OPD suddenly welcome the help of the “Guardian Angels”? 

 

You have said that “When people are desperate, they take desperate acts”. 

 

Sir, I know the criminal mind well.  Trust me when I say that thugs can and should be deterred by the meaningful threat of swift apprehension and strong punishment.  Rehabilitation and sympathy are properly reserved for the small subset of parolees who remain deterred from thug violence; yes, many of them can still be saved. 

 

But here’s the deal: It is more important to achieve community peace and safety, especially for the vulnerable, than to coddle thugs.    Yore observation that “When people are desperate, they take desperate acts” applies to your law abiding constituents, many of who hare voting with their feet and others who are hoping for you to resign before you do any more harm to that once great little city by the bay…

 

JBG

 

Reference some of my many, many earlier calls for common sense and prompt action:

 

Turning around Crime – My Report and Recommendations as I privately presented them to Former Mayor Jerry Brown http://jaygaskill.com/TurningAroundCrime.htm 

Three Op Ed’s during the period when the problem hadn’t yet gotten out of hand…

Saving Oakland http://www.jaygaskill.com/chief05.htm

Oakland’s Murders http://www.jaygaskill.com/tribb.htm

Oakland Reapinghttp://www.jaygaskill.com/reap.htm

 

August 07, 2008

St Gore and the Ice Age

As Published On
The Out-Lawyer’s Blog: http://www.jaygaskill.com/blog1
&
The Policy Think Site: http://www.jaygaskill.com
All contents, unless otherwise indicated are
Copyright © 2005, 2006, 2007 and 2008 by Jay B. Gaskill

 

Permission to publish, distribute or print all or part of this article (except for personal use) is needed. [Permission for use in group discussions is almost always routinely given.]
Please contact Jay B. Gaskill, attorney at law, via e mail at law@jaygaskill.com
 

 

We trial lawyers suffer from the conceit that, with intensive study – a knack we acquire during litigation preparation – we can learn almost anything.  My own attempts to learn more about “climate change” don’t make me an expert, but they have persuaded me that the politicians (Mr. Gore included) don’t know enough about the topic to inaugurate major changes in our current social and economic arrangements.  The scientific consensus is overstated and any political consensus about large scale carbon regulation proposals is premature to say the least.  The views expressed in this article are mine, the articles and sources cited are for comment purposes only – the copyrights belong to them – but the inaccuracies, if any, are mine. 
JBG

 

Saint Gore and the ICE AGE
THE CASE FOR POLITICAL CAUTION

 

cold 

Al Gore
“It is time to make peace with the planet. We must quickly mobilize our civilization with the urgency and resolve that has previously been seen only when nations mobilized for war.”

 

Jay Gaskill
“Take a deep breath.  What if the prophet wrong? The trouble with prophesy at this level is the inherent unpredictability of climate.  This is not a simple issue, the science is far from settled, and global warming does not define a war, definitely not a religious crusade…”

ABOUT TAKING A HARD LOOK BEFORE LEAPING

Heads up: Aggregate world temperatures seem to be falling.

A PREMATURE BEATIFICATION
The Roman Catholic tradition delays beatification until the candidate is safely dead.  This has avoided a great deal of embarrassment over the centuries.  In the larger Judeo-Christian tradition, major monuments, parks, bridges and other monuments are only named after someone has passed into history, so to speak, for the same wise reasons.

We are facing a ‘perfect storm’ in the form of four recent developments, the last of which (still under the radar) is the topic of this article. 

An energy shortage-driven recession, possibly leading to a severe world-wide economic downturn;
A painfully acute oil and natural gas shortage that spares the well protected elites, while hitting the rest of us for whom higher utility costs, gasoline and other transportation costs actually affect the quality of life;
A growing realization that this energy-cost squeeze has been made much worse than necessary as a result of environmentalist political opposition to new energy development, including nuclear power;
And the breaking news that we may be headed into a prolonged cold period.


 

 

The last point, of course, is “pending”.  The UK’s Hadley Climate Research Unit has recorded a major temperature decline in 2007, a report mirrored in several other world temperature aggregation research units.  To be fair, the Hadley group still fiercely clings to the global warming paradigm

 

This is a detailed article with graphics and cross references, in pdf format only.  Here is the link:

 

http://jaygaskill.com/StGoreAndTheIceAge.pdf
 
JBG

July 18, 2008

A 'Simple' Minded Analysis of the Mortgage Meltdown

As Published On

The Out-Lawyer’s Blog: http://www.jaygaskill.com/blog1

And

The Policy Think Site: http://www.jaygaskill.com

All contents, unless otherwise indicated are
Copyright © 2005, 2006, 2007 and 2008 by Jay B. Gaskill
Permission to publish, distribute or print all or part of this article (except for personal use) is needed. [Permission for use in group discussions is almost always routinely given.]
Please contact Jay B. Gaskill, attorney at law, via e mail at law@jaygaskill.com

Link to the print version -- http://jaygaskill.com/MortgageMeltdown.htm

BUYER BEWARE!

A 'Simple' Minded

Analysis

of the Mortgage Meltdown

by

Jay B. Gaskill

 

Now…I’m just a  ‘country lawyer’ as the saying goes, but I do understand fundamental economics and, as a split-time Californian, I understand how it is for ‘ordinary’ people to attempt to live in an ultra-high priced real estate market, and also how what a blessing is not to live in those overheated markets.

 

Here’s the deal.  Rents are income sensitive, but – until the current meltdown – home real estate prices have been much less so.  When rents and prices for the same commodity diverge too sharply, you are on notice that there is a “correction” ahead.

 

The movers and shakers among the elites tend to forget the basics, from time to time.  For example: Ordinary folks can only use their real incomes – those after tax, after withholding dollars we actually get to spend – to buy or rent a place to live. 

 

Therefore, whenever there is a huge disparity between rents and real estate prices in  a given area, you can be reasonably sure that there a speculative bubble has been driving up home purchase prices. 

 

This condition is easily detected.  Assume a three bedroom home in your area can rent for, say, $2000 per month, but that same home, when sold last year required mortgage payments (assuming for the purposes of my example, a fully amortized, conventional 30 year mortgage) of $4,521 per month. The new owner could not possibly rent the house, in that market, for enough to cover the mortgage.  That is the bright line clear signature of a price bubble, because at some point, incomes always fail to keep up.

 

Most buyers in these hot housing areas already knew that dirty little secret, but went ahead with the deal anyway.  What was going on?  The buyer really, really wanted to live in a nice neighborhood and willfully bought into the expectation that the sale value of the home would continue to inflate (presumably along with the buyer’s income) for the foreseeable future.  To be fair, that gamble did not seem unreasonable as recently as the year 2000.  In fact, it worked very well for thousands of home buyers throughout the 80’s and 90’s. 

 

The housing speculative bubble is like all the price/value bubbles of the past, with one major exception.  Most speculative bubbles, especially those in the stock market (think of the internet commerce bubble of 1998-2002), pop quickly and dramatically. But a housing bubble like the present one can fester for more than a decade and collapse more gradually.

 

This housing bubble was caused by the perfect storm of five converging forces:

Brutal urban commutes for everyone who wanted a nice homes for the kids;

a concentration of high paying jobs in urban areas – and in may instances employers whose recruitment  incentives included ‘excessive’ compensation to lure good people into an overheating housing market;

a subgroup of people who could almost, but not quite play the game in the traditional way;

an institutional disconnect between lender accountability and loan failure; and 

novel financial instruments and devices that were designed to “help” subgroup (c) beat the game in the (ultimately vain) hope that future appreciation would bail them out when needed. 

 

These were the ingredients of a pyramid game in which the collapse of the entire scheme was so deeply tied to the American financial system that the ripple effects could trigger a much worse calamity that a large number  of loan defaults and evictions, as tragic as that scenario might seem to those whose lives have been disrupted. 

 

Why this general financial vulnerability? Let’s examine (d), the “institutional disconnect”, more closely.  In the old days, your original lender remained on the hook for the loan essentially forever.  This meant that the loan was given real scrutiny by the bank or other lender who actually would be required to take the property back in the event the borrower defaulted.  Accountability wonderfully concentrates one’s care and attention, especially when large sums of money are involved.

But the current practice is different.  Real estate loans are made by broker/“lenders” who never plan to remain on the hook.  These loans become assets to be acquired by the real lenders who buy the “paper” (consisting of the terms, the financial profile of the borrower and the appraisal of the home).  And these paper assets are sold and resold, finding their way into the asset portfolios of your pension fund and your local bank.

 

The operating myth has been that home real estate loans are a secure asset, comparable, say, to gold bullion. So this “paper” (greatly exaggerated in value and security) not only found its way into the asset portfolios of banks, pension funds, it became a big part of the asset structure of the super lending institutions, “Fanny Mae” and “Freddy Mack”. These two semi-private super-lenders collectively own – and are on the hook for 5 trillion dollars worth of  mortgages.

 

For a concise history of these behemoths, originally chartered in 1938 to help provide home loans when most private lenders were out money, go to - http://www.fanniemae.com/aboutfm/charter.jhtml .

 

Fanny and Freddy are deeply entangled with the federal government.  Given the immense sums involved, the entire financial house of cards is placed at some risk, and – because of the federal entanglement with Fred and Fan – the taxpayers and the federal deficit are tied to this vessel should it ever sink.

 

This is a good time for concern but not panic.

 

Here are the three core principles to keep in mind:  (1) Risk takers are necessary for the larger good; without them, things gradually stagnate and progress grinds to a halt (think of the former Soviet Union). (2) Risk should be contained to the risk takers; we shouldn’t tinker too much with their occasional rewards or mitigate their losses too much or we transfer their problems to the rest of us who are not as well equipped to handle the consequences.

 

Political leaders tend to ignore the third principle:

Like water seeking the lowest channel in any hydraulic system, greed seeks the most easily exploited transactions in any monetary system:  Floating un-vetted loan papers as assets was an open invitation to greed-driven fraud and greed-enabled foolishness.

 

This raises the major public policy question of the day: Who, if anyone, should be protected against their own foolishness?

 

Many purchase money real estate mortgages that result in a default do not result in a loan deficiency debt collection from the evicted or defaulting home owner.  The lender is simply stuck with the property and the borrower is free to walk away, leaving behind the asset, but without worry of being sued for any deficiency even when the asset is revealed to be worth less than the debt. 

 

Ah, would that life were always that simple. 

 

Deficient second and third mortgages and real estate secured lines of credit still must be paid back.  Moreover, many of the “creative financing” vehicles designed to give the buyers temporary low payments expose these borrowers to ongoing liability, even after a foreclosure/repossession sale. And  not all jurisdictions protect purchase money mortgage holders equally against a post-default deficiency.

 

Still, only a relatively small fraction of all mortgages are at risk.  The rest of the homeowners had a large paper surplus asset and now have a much smaller one.  They have a poorer resale value but the home market is now full of bargains for qualified buyers.

 

So what’s the big deal you ask? Here’s the analogy: You sell most of the grain for the town, and broker the rest.  You suddenly discover that a small percentage of all your grain is bad.  The entire town finds out.  Rumors start. Pretty soon all the grain sellers you have dealt with freak out.  The town freaks.  You can see where this is going.  No new grain.  Not enough rice.  Depression hysteria.

 

As a result of the mortgage crisis we will have to live through some uncertainty, alleviated in part by federal actions to shore up key lending institutions. The last major depression really took hold when the money supply dried up.  That simply will not be allowed to take place. We did learn something from the last one.

 But we should not lose sight of the larger picture.  Prices are set by supply and demand and demand is limited by income. 

 

I’m hearing hysterical voices urging us to “do something” to stem the “collapse in home prices”.  One expert even proposed we try to entice foreign investors to acquire empty houses as second homes in order to keep the prices up!  Am, I the only one who thinks this proposal sounds a bit perverse?  We’re not facing a collapse in housing prices but a several year gradual correction.  Where prices were reasonable (in relation to local incomes) in the first place, we’re seeing gradual appreciation.

 

Here are my main recommendations:

 

Yes, by all means, we should take those actions minimally necessary to head off irrational panic.

And we need to protect home purchasers from a deficiency judgment whenever the buyer didn’t commit fraud and the loans were used in the initial purchase of a primary residence.

We should prosecute fraud whenever it is clear enough to make a winning case. [This is not a time for expensive show trials ending in minor convictions or acquittals.]

We need to hold the risk takers accountable without any bailout except for the measures in (1) and (2) above.

 

Whatever else we do, we need to let the housing market correction proceed until prices self-stabilize. 

 

We can – and should in my opinion – provide some help in the form of credit support and tax breaks for first time buyers (or post-eviction second time buyers) who want to take advantage (as the actual home occupants) of the new real estate bargains, provided that there is a sober, realistic appraisal of real income and home resale value.  But we need to make certain that the original lenders cannot escape responsibility for making a bad loan. 

 

Buyer Beware: This simple minded analysis was infected with common sense and old fashioned values.  As I said earlier, ‘Accountability wonderfully concentrates one’s care and attention, especially when large sums of money are involved.’

 

JBG

 

 

 

 

July 14, 2008

WIRED's David Kravets Corrects The Record

As received today from reporter David Kravets, whose blog on WIRED magazine's web site was an excellent ongoing source of information during the trial. [Correcting John Fuery's account, part of which I posted recently from his email to me.]

JBG 

 

Mr. Fuery states in your blog that “When I checked the web site, he had the hand written Reiser attachment but no substitution nor the Pleading cover sheet because he did not know the Pleading cover sheet existed.” Mr Fuery suggests that I did not have such pleading and cover sheet. Yes, we clearly had such documents. I’m NOT referring to the 1368 docs in which he repeatedly mislabel’s the first name of his client as Han. Instead, the documents I believe Mr. Fuery is referring to are the ones in which had San Francisco County and  civil court atop them, with his own handwritten pen line striking through them and rewritten to name the proper court, Alameda County and criminal.