A Dutch friend wrote this up for a list I’m on, and kindly gave me permission to post it. It turns out that the Netherlands is to the left of Bernie and Warren when it comes to national health insurance.

Here are my friend’s comments.

---

The Netherlands has privatised all government health funds in 2006. They were regional organized and covered 65% of the population.

The remaining 35% had private health insurance. Partially coöps/non-profits and others for-profit.

Those 35% were higher incomes and/or self-employed and students without a (part-time) job.

The Netherlands doesn’t have Medicare. Elderly people have to purchase health insurance. We do have a mandate, and there are transfers to low income people, paid by a partial income related tax on the wages of working people.

In short, the Netherlands introduced the “Heritage Foundation Health Care System”. It was done by a center-right government who saw an opportunity to privatise the public health funds.

There are some interesting differences how The Netherlands implemented the “Heritage Foundation System” in comparison to RomneyCare and ObamaCare:

1. Employer provided health insurance was grandfathered into an individual polis (you could keep it, but the employer went out of the system)
2. There is a mandatory list called ‘basic insurance list’. Every insurer has to offer that list. It is the cheapest available.
3. Contraceptive pills have been kicked off the ‘mandatory list’ by centre-right governments and put back on the list by centre-left. Currently they are off the mandatory list.
4. Abortion is outside the mandatory list, except for medical necessity in hospitals
5. There is a specialist ‘Pro Life Health Insurance’. No abortion, no euthanasia, no transgender operations, no in-vitro-fertilisation, no sterilisation and no morning after pill coverage etc. ample on palliative care and courses for natural family planning / counseling. When I drive on the highway through the Bible Belt, I see billboards for them. 
6. Pro-Life Insurance is also the health insurer promoted by the PCOB and KBO. The Protestant Christian and the Catholic associations for the elderly, both are mainline protestant and catholic social organisations. They cover a lot of elderly people with the insurance they negotiated for their members.
7. The Netherlands has a ‘conscience clause’. Those who don’t want health insurance for religious reasons or any other personal belief, can call it in. The government then opens a health account and fills it with your health-tax payments. The account can only be used for paying health care/cure. If it is empty, your on your own. If there is still an amount when you die, it becomes part of your estate and goes to your heirs.
8. If you want insurance, you relinquish your health account to the insurer of choice, but you cannot go back from insurance to the tax-authority filled health account.

As far as I understand it, Switzerland also made reforms toward a “Heritage Foundation health care system” in the 2000s. 

And as a final note: keep in mind that the ‘hot button issues’ like contraception and inclusion/exclusion of abortion on the mandatory coverage list are political footballs here too.

There were 17 abortion clinics in the Netherlands. 7 went bankrupt in the early ’10s due to too low demand for their services. 4 were relaunched, so there are now 13 abortion clinics on a population of 17 million. California has ca. 150 clinics for ca. 40 million. I think only South-Carolina has a lower ratio in terms of Abortion Clinics per 1,000,000 women. Kansas and Missouri are more on par with the Netherlands.

In general, abortion policies are far stricter in Europe. The Netherlands isn’t much of an outlier in restrictive abortion policies, where restrictions kick-in after 13 weeks of gestation and a 5 working day “rethink period” with adoption counseling is mandatory. The big outlier in Europe is Great-Britain, which has abortion policies a lot like the USA. Northern-Ireland however is very strict, just like Ireland.

Off course this is far from China’s ‘one-child-policy’, where it was encouraged to have single-child families and abortion is easy accessible.

There are some intriguing points to make, about what went different.

1. The USA didn’t grandfather private health insurance policies from employers to individuals and continued employer provided health insurance.
2. As a result demand for the “ObamaCare exchanges” was much smaller
3. Due to the existence of Medicare, untouched by ObamaCare, there wasn’t massive ‘insurance pool organisation’
4. US Labor Unions still negotiate health benefits with employers instead of operating as the middleman towards health insurers c.q. owning a stake in a health insurance fund
5. The absence of “Conscience Opt-Out” and “Pro Life Insurance”, combined with employer based health care, caused a Supreme Court case (Hobby Lobby) which forced a ridiculous decision that a corporate legal entity now can have a ‘religious conscience’
6. This of course did extend to Catholic Nuns too, who were forced to pay for mandates that went against their beliefs.

It all smacked as incomplete design and as a result a set of flaws due to provisions not taken, probably because of political expediency.

Currently the Netherlands has 11 health insurance providers after a lot of M&A had happened. The interesting result is that the big winners have been 

a. A rather high-end private insurer, offering expensive “we cover everything” policies 

b. A former health fund which had worked in a blue-collar region (Delfland-Schieland-Westland), being the repeated price-breaker and as a result is now the darling of consumer organisations etc.

What is really different between the Dutch implementation and the USA, is the bargaining positions in the system. The collectives that sprang up (some spontaneously, around websites) and went shopping. It makes a difference when in a market of 17 million and 11 providers, someone shows up at your doorstep with ‘I have 200.000 signatories looking for a good insurance policy …’).

Be the first to comment »

Well, here are two things I never heard of before. First:

Through this intriguing Register report I learned about the DNSSEC root-signing ceremony. It happens quarterly in alternating fashion on the east and west coasts of the US. The carefully scripted ceremony, lasting over two hours, is meant to anchor the web of trust in the DNS, the Internet’s domain name system. To this end it is streamed live and archived for posterity.

So writes Keith Dawson (twitter) in a post on the A Recovering Physicist blog.

Then he notes the resemblance to the second thing:

Reading about this modern ceremony, performed quarterly for 10 years now, immediately put me in mind of a similar ritual, the Trial of the Pyx, staged in London for 738 years, for a substantially similar purpose: anchoring trust in the English currency.

I’d bet against either of these on a “Bluff the Listener” game on Wait Wait Don’t Tell me. But they’re both real.

Here’s some information about the DNSSEC ceremony, taken from the post Keith links to:

The root DNS zone contains information about how to query the top-level domain (TLD) name servers (.com, .edu, .org, etc). It enables Internet users to access domain names in all TLDs, even brand new ones like .software and .bank, making it an integral part of the global Internet.

In How DNSSEC Works, we explained how trust in DNSSEC is derived from the parent zone’s DS resource record. However, the root DNS zone has no parent, so how can we trust the integrity and authenticity of its information?

The article ably describes the trust systems involved, which include trusted institutions and individuals, redundancy, and encryption. And ceremony.

Trust won’t anchor itself.

(Actually that’s quite contestable.)

Be the first to comment »

Brink has just posted a piece of mine that suggests that the Internet and machine learning have been teaching companies that our assumptions about the predictability of the future — based in turn on assumptions about the law-like and knowable nature of change — don’t hold. But those are the assumptions that have led to the relatively recent belief in the efficacy of strategy.

My article outlines some of the ways organizations are facing the future differently. And, arguably, more realistically.

Be the first to comment »

Digital Extremes wants to break the trend of live-service games meticulously planning years of content ahead of time using road maps…’What happens then is you don’t have a surprise and you don’t have a world that feels alive,’ [community director Rebecca] Ford says. ‘You have a product that feels like a result of an investor’s meeting 12 months ago.'”

— Steven Messner, “This Means War,” PC Gamer, Feb. 2020, p. 34

Video games have been leading indicators for almost forty years. It was back in the early 1980s that games started welcoming modders who altered the visuals, turning Castle Wolfenstein into Castle Smurfenstein, adding maps, levels, cars, weapons, and rules to game after game. Thus the games became more replayable. Thus the games became whatever users wanted to make them. Thus games — the most rule-bound of activities outside of a law court or a tea ceremony — became purposefully unpredictable.

Rebecca Ford is talking about Warframe, but what she says about planning and road maps points the way for what’s happening with business strategies overall. The Internet has not only gotten us used to an environment that is overwhelming and unpredictable, but we’ve developed approaches that let us leverage that unpredictability, from open platforms to minimum viable products to agile development.

The advantage of strategy is that it enables an organization to focus its attention and resources on a single goal. The disadvantages are that strategic planning assumes that the playing field is relatively stable, and that change general happens according to rules that we can know and apply. But that stability is a dream. Now that we have tech that lets us leverage unpredictability, we are coming to once again recognize that strategies work almost literally by squinting our eyes so tight that they’re almost closed.

Maybe games will help us open our eyes so that we do less strategizing and more playing.

Be the first to comment »

It is fantastic that 14 Paris museums have put images of 150,000 artworks into the public domain. Go take a look. It makes the world visibly better.

But …

…The images are easily accessible one at a time for a human who is browsing. You can also click to download it, and then do whatever you want with it. But they are, apparently purposefully, difficult to batch download. That deprives us of the ability to set computers onto the images and their metadata so that they can discover relationships, and patterns of relationships, among them. That’s a lost opportunity.

I understand it’s hard for institutions to give up on the credit they deserve for maintaining these artworks. Items put in the public domain can be passed around and duplicated without any reference to the source that made them available, or even to the artist who created them. But in return, the culture gets to freely share those images, and to incorporate them into new works, which helps to preserve and extend our shared culture.

So I don’t want to be ungrateful for this enormous gift to the world. But one more step – say, an open API that enables batch download – and the world can benefit even more from these museum’s awesome generosity.

(Hat tip to Keith Dawson.)

Be the first to comment »

Just over twenty years ago, computer scientists were racing the clock to fix a possibly devastating error brought about by an over-estimation of the pace at which tech becomes obsolete, which is an over-estimation of the pace of change itself. It turns out that one of the two popular solutions to the problem made the same mistake. And now we’re paying for it, but mainly through some annoyances, not the sort of world-stopping calamity that the prior error threatened.

The problem twenty years ago was that software developers had with some frequency thought that storing the year could be done with two digits, so that 1970 would be saved as 70. After all, the program wouldn’t still be used in 2000! Would we also still be driving around on earth-bound cars, or giving poodles ridiculous haircuts? Ridiculous!

But, if those apps were in fact still be used as the new millennium began, then the two digits internally representing the year would be taken internally as 00, which would be likely to confuse a computer that would assume – based on the way numbers work – that 00 (2000) comes before 70 (1970). And 2001 would look like 1901, etc.

One approach developers took to preempt the Y2K (year two thousand) bug was to change the way the programs expressed date data, allotting four digits to the year. We shall call this “the right way.” But it’s more complex than it seems. For example, you may have to find every place in a complex, integrated set of programs where the date is referred to. You may have to recompile ancient code, unearthing compilers from ancient crypts guarded by three-headed dogs. It was a freaking nightmare for many organizations.

The second approach was to write a little code that looked for year dates between 00 and 20, and write an except that takes them as referring to 2000-2020. Most applications aren’t dealing with dates going back to the beginning of the 20th century, so that worked. Chris Stokel-Walter (twitter: @stokel) in his excellent, brief explainer in New Scientist, says that an estimated 80% of Y2K solutions took this approach, known as “windowing”, but which we shall refer to it as the “Please don’t do this” approach.

Well, now it’s 2020 and some indeterminate number of windowed apps haven’t updated the fix. Thus, some traffic meters have stopped working. As Chris writes, “The theory was that these windowed systems would be outmoded by the time 2020 arrived…”

So, exactly the same over-estimation of the pace of tech obsolescence has led to exactly the same problem. Surprise?

It’s not at all clear, however, who has made this mistake. The developers implementing the windowing patch were staving off an imminent, plausible crashing of globally crucial systems. Windowing was a reasonable approach to forestalling this crisis … but only if there was a system – a human system – to remember to allocate resources for fixing the problem that the patch postponed.

Conclusion: “Human system” is an oxymoron.

Be the first to comment »

This title is the last line of a post from Bix.

Here is the post’s opening:

So, this research from Orbit Media (via Andy McIlwain) should actually be read as a list of all the things we should ignore if we truly want to revive the blogosphere.

Bix’s post is correct.

Be the first to comment »

Here are links to the earliest cartoons in Riochard Brody’s excellent article, “Draw Stars,” in the Dec. 30, 2019 New Yorker. (Note: Racist and other stereotypes below.)

Emile Cole, Fantasmagorie, 1908, restored. (Original)

Winsor McCay, Little Nemo, 1911:

McCay, Gertie the Dinosaur, 1914:

Max and Dave Fleischer, Out of the Inkwell: The Tantalizing Fly, 1919 (remastered):

The Fleischers, Jumping Beans, 1922 (remastered):

Wallace Carlson (Bray Studios), How Cartoons Are Made, 1919:

Wallace Carlson, He resolves not to smoke, 1914:

Gregory La Cava, The Breath of a Nation, 1919:

Joseph Sunn claymation: Green Pastures, 1919:

Wallace McCutcheon’s merging of Green Pastures with live action, in The Sculptor’s Nightmare:

Howard S. Moss stop action, Mary & Gretel, part 1, 1916:

Mary & Gretel, part 2:

Walter Ruttmann’s abstract Opus 1, 1921:

Lette Reiniger’s silhouette Cinderella, 1921:

Bryant Fryer’s silhouette Follow the Swallow, 1927:

Be the first to comment »

I did an image search on this photo to see whether it’s openly licensed. Google couldn’t find it, but here’s what it told me:

• 

Nailed it.

Comments Off on It’s official

Inc. magazine has named Everyday Chaos as one of its 11 “must read” books for entrepreneurs. “For product makers, industry shakers, and folks who want to be their best selves, these are the titles to read now.”

The article’s author, Leigh Buchanan, does an excellent job encapsulating the book:

Weinberger, for decades one of the most prescient and philosophical thinkers about the internet, here tackles the broader subject of how technology influences the way we understand and function in the world. Moving back and forth between ancient history and 10 minutes from now, Everyday Chaos explains that fixed-future ideas like progress and preparation are insufficient in the face of multiplying layers of complexity. Yet as our decision-making is overtaken by machines, it becomes possible to operate without our own hypotheses about what will work. Weinberger advocates for operating in a state of “unanticipation” in which we leave options open (think minimal viable products, agile development, and black swans). In this way of looking at the world, traditional strategy can be dangerous. Obscurity is your friend.

Comments Off on It’s official: You MUST read Everyday Chaos