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Originally Processed With FOIA(s): FOIA Number: S FOIA MARKER This is not a textual record. This is used as an administrative marker by the George Bush Presidential Library Staff. Record Group/Collection: George H.W. Bush Presidential Records Collection/Office of Origin: Speechwriting, White House Office of Series: Snow, Tony, Files Subseries: Subject File, 1988-1993 OA/ID Number: 13896 Folder ID Number: 13896-001 Folder Title: [Memoranda-Economics, Race, Politics, 1991] Stack: Row: Section: Shelf: Position: G 18 29 2 4 Health care HOUSE OF REPRESENTATIVES SENATE PAUL S. SARBANES, MARYLAND, LEE H. HAMILTON, INDIANA, VICE CHAIRMAN CHAIRMAN LLOYD BENTSEN, TEXAS DAVID R. OBEY, WISCONSIN EDWARD M. KENNEDY, MASSACHUSETTS JAMES H. SCHEUER, NEW YORK JEFF BINGAMAN, NEW MEXICO FORTNEY PETE STARK, CALIFORNIA ALBERT GORE, JR., TENNESSEE Congress of the United States STEPHEN J. SOLARZ, NEW YORK RICHARD H. BRYAN, NEVADA KWEISI MFUME, MARYLAND WILLIAM V. ROTH, JR., DELAWARE RICHARD K. ARMEY, TEXAS STEVE SYMMS, IDAHO JOINT ECONOMIC COMMITTEE CHALMERS P. WYLIE, OHIO CONNIE MACK, FLORIDA OLYMPIA J. SNOWE, MAINE ROBERT C. SMITH, NEW HAMPSHIRE (CREATED PURSUANT TO SEC. 5(a) OF PUBLIC LAW 304, 79TH CONGRESS) HAMILTON FISH, JR., NEW YORK STEPHEN A. QUICK, Washington, DC 20510-6602 EXECUTIVE DIRECTOR November 26,1991 INPUT AND OUTPUT IN MEDICAL CARE Dear Colleague: We are pleased to distribute today Nobel Laureate Milton Friedman's paper "Input and Output in Medical Care" as the second in a series of Health Care Briefing Papers. Dr. Friedman details the deleterious effects of governmental intervention in the U.S. market for medical care and provides a compelling case for reprivatizing health care. Without endorsing any specific health reform, we put this paper forward as deserving serious consideration. This analysis provides a long-term perspective on the medical market, focusing particular attention on inputs and outputs since the introduction of Medicare and Medicaid in 1965. Of particular note: There has been a dramatic rise in the number of hospital personnel and the cost of hospital services, while at the same time the number of beds was declining and the rate of occupancy is lower than in 1940. Dr. Friedman uses this as an example of what he calls "an economic black hole" resources are sucked in and output nonetheless shrinks. The study shows that based upon long-term trends in private, public and total spending, in the absence of Medicare and Medicaid, total health care spending would be half as much as it actually is today. Further, the sudden slowdown in the rate of increase in the life expectancy of women is nearly coincident with the massive infusion of government in the health care market and is, as far as we can tell, an unreported phenomenon that bears further examination. Dr. Friedman suggests that returning the medical market to the private sector by returning responsibility to the individual for the financing and provision of health care by (1) requiring each family to have medical insurance and (2) ending the tax exemption for employer-provided medical care would go far toward curing the ills of this market. An abridged version of Dr. Friedman's study appeared in the November 12, 1991 edition of the Wall Street Journal. We distribute the original paper with their permission. We are sure that you will be interested in this original unedited text of the study, complete with additional charts. In future health care policy debates, we would do well to consider the insights presented by Dr. Friedman. Sincerely, Disk Arney DICK ARMEY Bill WILLIAM V. ROTH Ranking Republican Senior Republican Senator Joint Economic Committee Joint Economic Committee HEALTH CARE BRIEFING PAPER November 26, 1991 Released by Richard K. Armey (R-TX), Ranking Republican, and William V. Roth (R-DE), NO. 2 Senior Republican Senator, Joint Economic Committee INPUT AND OUTPUT IN MEDICAL CARE* by Milton Friedman, Senior Research Fellow, Hoover Institution Some years ago, I came across a study by Dr. Max Gammon comparing input and output in the British socialized hospital system. He took the number of employees as his measure of input and the number of hospital beds as his measure of output. He noted that long waiting lists for hospital admission assured that all beds were in use so that the total number of beds could be taken as equal to the number of occupied beds. He found that input had increased sharply, while output had not only failed to keep pace but had actually fallen. He was led to enunciate what he called "the theory of bureaucratic displacement." In his words, in "a bureaucratic system increase in expenditure will be matched by fall in production Such systems will act rather like 'black holes,' in the economic universe, simultaneously sucking in resources, and shrinking in terms of 'emitted' production." I have long been impressed by the operation of Gammon's law in the U.S. schooling system: input, however measured, has been going up for decades, and output, whether measured by number of students, number of schools, or even more clearly, quality, has been going down. The recent surge of concern about the rising cost of medical care, and the flood of proposals to do something about it, most involving a further move toward the complete socialization of medicine, reminded me of Gammon's study and led me to investigate whether his law applied to U.S. health care. There has clearly been a major advance in medical care in the past half century, from which most of us have greatly benefitted: indeed, I would not myself be alive today if it were not for some of those advances. Yet the question remains whether these gains were promoted or retarded by the extraordinary rise in the fraction of national income spent on medical care. How does output compare with input? *An abridged version of this paper appeared in the November 12, 1991 Wall Street Journal. This original text, including charts not previously published, is printed with the permission of the Wall Street Journal. 1. Hospitals Even a casual glance at figures on input and output in U.S. hospitals indicates that Gammon's law has been in full operation for U.S. hospitals since the end of World War II, and especially since the enactment of medicare and medicaid in 1965. Before 1940, input and output both rose, input somewhat more than output, presumably because of the introduction of more sophisticated and expensive treatment. The cost of hospital care per resident of the U.S., adjusted for inflation, rose from 1929 to 1940 at the rate of 5 percent per year. the number of occupied beds, at 2.4 percent a year (see Table 1). Cost per patient day, adjusted for inflation, rose only modestly. Table 1 -- Summary Data on Hospitals and Medical Expense, Selected Years, 1923-1989 1923 1929 1940 1946 1965 1989 Beds per 1,000 population 6.8 7.5 9.3 10.3 8.8 4.9 Percentage of beds occupied 73.0 80.0 84.0 80.0 82.0 69.6 Cost per patient day in constant (1982) dollars $18 $22 $21 $71 $545 Personnel per occupied bed 0.7 1.4 4.6 Hospital expense as percentage of total medical expense 17.8 24.3 24.0 32.1 35.6 Medical cost per person per year in constant (1982) dollars Hospital $30 $52 $63 $190 $683 Other $143 $164 $200 $403 $1,237 TOTAL $136 $173 $216 $263 $593 $1,920 Physicians Number per 100,000 population 130 125 133 135* 153 252* Median income*** Constant (1982) dollars $21,722 $23,191 $34,407 $82,391 $99,016** Ratio to per capita income 5.1 5.2 6.6 10.7 9.1** *1949. 1987. **Non-salaried physicians" through 1965; "incorporated and unincorporated" in 1987. The situation was very different after the war. From 1946 to 1989, the number of beds per capita fell by more than one-half, and the occupancy rate, by one-eighth. In sharp -2- contrast, input skyrocketed. Hospital personnel per occupied bed multiplied nearly seven- fold and cost per patient day, adjusted for inflation, an astounding 26-fold, from $21 in 1946 to $545 in 1989 at the 1982 price level. Figure 1, which charts postwar data year by year, is a dramatic portrayal of the effect of the enactment of medicare and medicaid on both input and output.¹ A mild rise in input was turned into a meteoric rise; a mild fall in output, into a rapid decline. Figure 1 -- U.S. Hospitals: Input VS Output, 1946-1989 Before Medicare After Medicare 12 $600 Number of beds per C 1000 population o 10 $500 S N T U M P B 8 $400 E E R R Number of occupied beds per 6 P O 1000 population $300 A F T I B 4 E E $200 N D T S Cost per patient day in 2 constant (1982) dollars $100 D A Y 0 $ 0 1945 1950 1955 1960 1965 1970 1975 1980 1985 1990 Taken by itself the decline in the number of occupied beds could be interpreted as evidence of the progress of medical science: the population is healthier, needing 1 Because the scales are arithmetic, the percentage rate of decline in output is understated, and the percentage rate of rise in input, overstated. However, the percentage rate of growth of input, like the absolute, did speed up after medicare -- from 6 percent per year before medicare to 9 percent after, according to exponential trends fitted to hospital costs per patient day for 1946-1964 and 1965-1989, respectively. -3- hospitalization less, and advances in science and medical technology have reduced the length of hospital stays, and enabled more procedures to be performed outside the hospital. That may well be at least part of the reason for the decline in output, perhaps a major part. But it does not explain much, if any, of the rise in input. True, care has become more sophisticated and expensive, and medical machines more complex. Yet improvements in health and in the quality of hospital care do not appear to have proceeded more rapidly after 1965 than before. Indeed, there is some evidence that the reverse was true. Reported expenditures on research (as with other data, per capita and in constant dollars) rose at the rate of 15 percent a year from 1948 to 1964, at less than 2 percent a year from 1965 to 1989. Yet the number of occupied beds per capita fell by 1 percent a year from 1946 to 1964, and by 2.5 percent a year from 1965 to 1989. Cost per patient day rose by 6 percent in the first period, 9 percent in the second. Gammon's law, not medical miracles, was clearly at work. The Federal government's assumption of responsibility for hospital and medical care for the elderly and the poor provided a fresh pool of money, and there was no shortage of takers. Personnel per occupied bed, which had already doubled from 1946 to 1965, more than tripled from that level after 1965. Cost per patient day, which had already more than tripled from 1946 to 1965, multiplied a further eight-fold after 1965. The difference between the rise in personnel and costs reflects expenditures on expensive equipment and higher prices for medical personnel relative to other goods. Growing costs, in turn, led to more regulation of hospitals, further increasing administrative expense. Unfortunately, I have been unable to uncover comprehensive and readily available data for a sufficiently long period to judge how large a role was played by increasing administrative costs. Anecdotal evidence suggests that increased administrative complexity played a major role in the explosion of total cost per patient day, and led to a snift from hospital to outpatient care, accelerating the decline in occupied beds. Experts in medical care and in hospital administration can doubtless expand this amateur's explanation and put flesh on the stark evidence from the limited statistical data. But a fuller description is hardly likely to alter the bottom line: in Gammon's words, "a bureaucratic system will act rather like "black holes," in the economic universe, simultaneously sucking in resources, and shrinking in terms of 'emitted' production." 2. Other Medical Care Though hospital cost has risen as a percentage of total medical cost from 24 percent in 1946 to 36 percent in 1989, it is still a minor part of total medical cost. It is tempting to apply Gammon's analysis to total medical cost rather than simply to hospital care. There is no problem about input. Estimates of expenditures on medical care are readily available for the postwar period, can be estimated back to 1919, and can be corrected readily for the rise in population and in the price level. -4- Figure 2 shows total health spending as a percentage of national income from 1919 on, and its division between private and governmental spending. Except for the Great Depression, when the collapse of incomes raised the percentage sharply, health spending rose gradually but stayed between about 3 and 4 percent of total national income. Government spending was only a modest part of that total and was primarily state and local rather than Federal. For example, in 1940, Federal spending was about one-sixth of total government spending on health care. After the war, total spending on health care tripled as a fraction of national income and government spending, particularly Federal, became a larger and larger fraction of the total. Figure 2 -- Health Spending as Percentage of National Income: 1919-89 16 Medicare 14 NOTE: Spending expressed as Enacted percentage of national income 12 A T P N R E E E C G 10 8 GOVERNMENT 6 4 PRIVATE 2 0 1919 1929 1939 1949 1959 1969 1979 1989 Figures 3, 4, and 5 present the same data in a somewhat different way, as dollars per capita in constant prices. Private spending rose at a steady arithmetic rate up to the end of World War II, increasing by $3.30 a year, with only minor deviations as a result of cyclical forces. The increase reflected mostly the long-term increase in income. As a percentage of national income, private spending stayed between 3.5 and 5 percent from 1922 to 1958 except for some of the depression years. From 1958 on, private spending began to rise as a percentage of national income, at first slowly, then more rapidly, reaching more than 8 percent by 1989. -5- Figure 3 -- Private Health Spending, 1919-89, and Linear Trend Fitted to 1919-40 D 1200 Medicare O NOTE: Spending expressed per L capita and deflated to 1982 prices; Enacted L 1000 trend fitted to data for 1919-1940 A R S 800 P E 600 PRIVATE SPENDING R 400 C A P 200 LINEAR TREND I T A 0 1919 1929 1939 1949 1959 1969 1979 1989 Figure 4 -- Government Health Spending, 1919-89, and Long Trend Fitted to 1919-40 D 900 O NOTE: Spending expressed per Medicare capita and deflated to :982 prices; Enacted L 800 L trend fitted to data for 1919-1940 A 700 GOVERNMENT R SPENDING S 600 500 E R P 400 300 C A 200 P LOGARITHMIC TREND I 100 T A 0 1919 1929 1939 1949 1959 1969 1979 1989 -6- Figure 5 -- Total Health Spending, 1919-89, and Composite Trend Fitted to 1919-40 Medicare D 2000 Enacted O L 1800 L A 1600 R 1400 NOTE: Spending expressed per capita and S deflated to 1982 prices; composite trend is 1200 sum of linear trend for private and P logarithmic trend for government. both E 1000 fitted to data for 1919-1940 R 800 C 600 TOTAL SPENDING A 400 P COMPOSITE TREND I 200 T A 0 1919 1929 1939 1949 1959 1969 1979 1989 Government spending behaved somewhat differently. It rose at a rather constant percentage rate, 3.5 percent a year, from 1919 all the way to 1965, except for a short postwar bulge. The enactment of medicare and medicaid produced an explosion in government spending, which went sharply higher than the extrapolated trend. In the process, government's share of total spending went from 15 percent during the 1920s to 25 percent in 1965, before surging to 42 percent in the next two decades, or from less than 1 percent of national income to nearly 6 percent. Figure 5 combines the data from the two prior charts. As it shows, if the prior trends had continued, total spending in 1989 would have been about half as much as it actually was. One major physical input is the number of physicians. Physicians numbered 157 per 100,000 population at the turn of the century, gradually declined in number to 125 by 1929, and then rose slowly to 133 by 1959 before beginning an exponential climb to 252 by 1987, the latest year for which I have data. As the final line in Table 1 indicates, the rapid increase in the number of physicians was preceded by a sharp rise in their median income from a level less than seven times per capita income to a peak of 11.6 to 1 in 1962. As cost containment became more and more pressing, the rise in the number of physicians was accompanied by a decline in their relative income, even though their income continued to rise in absolute terms. By 1987, the ratio had declined from 11.6 to 9.1, and no doubt the decline is continuing. -7- Despite the sharp rise in the number and income of physicians, it is worth noting, first, that the cost of physicians' services accounts for only about one-fifth of total health care cost, and, second, that the share is less than it has historically been. In 1929, the cost of physicians' services was about 27 percent of total health cost, and after World War II, about 25 percent. The explanation is presumably a combination of more expensive equipment and greater administrative expense. So much for input. What about output? That is the real problem. The output of the medical care industry that we are interested in is its contribution to better health. How can we measure "better health" in a reasonably objective way and in a way that is not greatly influenced by other factors? For example, if medical care enables people to live longer and healthier lives, we might expect that the fraction of persons aged 65 to 70 who continue to work would go up. In fact, of course, the fraction has gone down drastically -- thanks to higher incomes reinforced by financial incentives from social security. With the same "if," we might expect the fraction of the population classified as disabled to go down. That fraction has gone up, again, not for reasons of health but because of government social security programs. And so I have found with one initially plausible measure after another -- all of them are too contaminated by other factors to be regarded as reflecting the output of the medical care industry. The least bad measure that I have been able to come up with is length of life. That too is seriously contaminated by other factors. Improvements in diet, housing, clothing and so on made possible by increasing affluence as well as such government measures as the provision of purer water, and better garbage collection and disposal have doubtless contributed to lengthening the average life span. Wars, epidemics, and natural and man- made disasters have played a part. Even more important, the quality of life is as important as the length of life. Perhaps someone more knowledgeable in this field than I can come up with a better measure of the relevant output of the medical care industry. I have not been able to. Figures 6 and 7 present two different sets of data on length of life: Figure 6, on length of life at birth; Figure 7, on remaining length of life at age 65. The two tell rather different stories. For length of life at birth, data are readily available by sex and race, and I have concentrated on the length of life of females, and of white and black separately, in order to keep the populations involved as homogeneous as possible over a long period. Figure 6 shows the average length of life at birth of white and black females since 1900. As in the preceding chart, I have also included trends fitted to prewar data. The trends fit the data surprisingly well until the late 1950s. -8- Figure 6 -- Length of Life at Birth of Females, 1900-86, and Linear Trend for 1900-40 LINEAR TRENDS FITTED TO 1900-1940 90 80 70 WHITE FEMALE LENGTH OF LIFE 60 BLACK Y E R S FEMALE A 50 LENGTH OF LIFE 40 Influenza Epidemic Medicare 30 Enacted NOTE: In computing trend. 1918 observation 20 replaced by average of 1917 and 1919 to eliminate effect of influenza epidemic. 10 1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 Figure 7 -- Male and Female Life Expectancy at Age 65: 1900-1988 20 L I 18 FEMALE F E 16 E 14 X A P G 12 E E MALE 10 C T 6 8 A 5 N 6 C Y 4 A 2 NOTE: TWO TRENDS: 1900-1939, 1940-1988 T 0 1900 1910 1920 1930 1940 1950 1960 1970 1980 -9- Until then, life expectancy at birth of white females went up steadily from 48.7 year in 1900 to 74.2 years in 1959, and of black females from 33.5 to 65.2 years -- or, during the intervening 59 years on the average by 0.43 years per year for white females and 0.54 for black. The rise then slowed drastically. Life expectancy went from 74.2 and 65.2 in 1959 to 79.0 and 75.6 in 1989 for white and black females respectively -- or at the average of only 0.16 and 0.35 years per year during those 30 years. The rate of rise was more than halved for whites, cut by more than a third for blacks. As the length of life increases, further increases are presumably more and more difficult to achieve -- early gains would seem to be the easiest. Yet Figure 6 shows no sign of any slowdown for the first 59 years of the twentieth century. The shift to a lower rate of improvement comes suddenly, not long before the rapid expansion in the Federal government's role in medical care and the sharp slowdown in the rate of increase in the amount of funds going to research. Figure 7, on life expectancy at age 65, is for both races combined, since I have been unable to get data going far enough back for blacks and whites separately. In sharp contrast to Figure 6, it shows very slow though steady progress to about 1939, and then decidedly more rapid progress, especially for females. Does the speeding up around 1939 reflect the discovery about that time and subsequent wider use of a widespread range of antibiotics? I leave that as a puzzle for others. In terms of my own concern, the effect of greater government involvement, Figure 7 is of little help. For females, medicare is followed by an initial speeding up, then tapering off; for males, the pattern is almost the reverse: little or no change from 1950 to 1970, then a speeding up. In short, it will take a far more detailed and informed analysis to reach any clear conclusions about what has been happening to the output of the medical care industry, whether in terms of the length of life, and even more, the quality of life. Nonetheless, for total medical care, as for hospitals, it is hard to avoid the conclusion that Gammon's law is at work. No question that medicine in all its aspects has become subject to an ever more complex bureaucratic structure. No question that input has exploded. No evidence that output has come anywhere close to keeping pace, though we lack a firm basis for going beyond this very general statement. "Black holes" indeed. Why should we be surprised? Evidence covering a much broader range of activities documents that bureaucratic structures produce high cost, low quality, and inequitable distribution of output. That is the dramatic lesson taught recently by the collapse of socialism in the Soviet Union, China, and the Eastern European satellites of the Soviet Union. The U.S. medical system has become in large part a socialist enterprise. Why should we be any better at socialism than the Soviets? Or the East Germans? Or the Czechs? Or the Chinese? And on and on. Medicine is not unique. Our socialized postal system, our socialized schooling system, our socialized system of trying to control drugs, and indeed our socialized defense industry provide clear evidence that we are no better at socialism than countries that have gone all the way. -10- Yet not only do we keep on being surprised, but we continue in each of these areas to increase, not reduce, the scope of socialism. Nearly all the numerous suggestions for improving the glaring deficiencies in our medical system involve expanding the role of government, at the extreme moving from a partly socialist system to a completely socialist system! 3. Solution I believe that the inefficiency, high cost, and inequitable character of our medical system can be fundamentally remedied in only one way: by moving in the other direction, toward reprivatizing medical care. I conjecture that almost all consumers of medical services, and many producers, would favor a simple reform that would privatize most medical care. Yet that reform is politically not feasible because it would be violently opposed by the bureaucracy that plans, controls, and administers the current structure of medical care. The reform has two major steps: (1) end both medicare and medicaid and replace them by a requirement that every U.S. family unit have a major medical insurance policy with a high deductible, say $20,000 a year or 30 percent of the unit's income during the prior two years, whichever is lower; (2) end the exemption from tax of employer-provided medical care; it should be regarded as a fully taxable fringe benefit to the employee -- deductible for the employer but taxable to the employee. Each of these reforms needs further discussion. (1) Preferably, the major medical insurance policy should be paid for by the individual family unit, which should receive a reduction in taxes reflecting the reduction in cost to the government. There would be an exception for lower income families and for families who were unable to qualify for coverage at an affordable fee. The Government would help them finance the policy though not administer it. That would be done by private competitive insurance companies, chosen by each individual or family separately, who would, of course, be free to buy supplementary insurance if they so desired. However, even if the government were to pay directly for major medical insurance for everyone -- rather than by reducing taxes -- there is little doubt that both government and total heath cost would decline drastically because of the elimination of the tremendous governmental bureaucratic structure that has been built up to supervise a large fraction of all health activities. (2) The tax exemption of employer-provided medical care has two different effects, both of which contribute to raising health costs. First, it leads the employee to rely on the employer rather than himself to finance and provide medical care. Yet the employee is likely to do a far better job of monitoring health care providers in his own interest than is the employer. Second, it -11- ? leads him to take a larger fraction of his total remuneration in the form of I health care than he would if it had the same tax status as other expenditures. If the tax exemption were removed, employees could bargain with their employers for a higher take-home pay in lieu of health care, and provide for their own health care, either by dealing directly with health care providers or through purchasing health insurance. These two reforms would completely solve the problem of the currently medically uninsured, eliminate most of the bureaucratic structure, free medical practitioners from the incredible burden of paperwork and regulation to which they are now subject, and lead many employers and employees to convert employer provided medical care into a higher cash wage. The taxpayer would save money, since total governmental costs would go down drastically. The family unit would be relieved of one of its major concerns -- the possibility of being impoverished by a major medical catastrophe -- and most could readily finance the remaining medical costs, which I conjecture would return to something like the 5 percent of total consumer spending that it was before the Federal government got into the act. Families would once again have an incentive to monitor the providers of medical care and to establish the kind of personal relations with them that once were customary. The demonstrated efficiency of private enterprise would have a chance to operate to improve the quality and lower the cost of medical care. There is only one thing wrong with this dream. It would displace and displease the large number of people who are now engaged in administering, studying, and daily revising the present socialized system. including a large private sector component that has adjusted to the system. Most of them are highly competent at what they do, and would be able to use their abilities in productive activities if their current employment were terminated. But understandably, they will not see it that way, and they are sufficiently potent politically to kill any such reform before it could ever get a real following, just as the educational bureaucracy has repeatedly been successful in killing even modest programs for privatizing the educational system, even though poll after poll shows that the public supports privatization through parental choice. Medical care provides a clear example of the basic difference between private and governmental enterprise. That difference is not in the quality of people who initiate or operate new ventures, or in the promise of the ventures. The people proposing and undertaking government ventures are generally as able, ingenious, and of as high moral character as the people undertaking private ventures, and the ventures they undertake may well be of equal promise. The difference is in the bottom line. If a private venture is unsuccessful, its backers must either shut it down or finance its losses out of their own pockets, so it will generally be terminated promptly. If a governmental venture is unsuccessful, its backers have a very different bottom line. Shutting it down is an admission of failure, something none of us is prepared to face if we can help it. Moreover, it is likely to mean the loss of a remunerative job for many of its backers and promoters. And they need not shut it down. Instead, in entire good faith, the backers can contend that the apparent lack of success is simply a result of not carrying the venture far enough. If they are persuasive enough, they can draw on the deep pockets of the taxpaying public, while -12- replenishing their own, to finance a continuation and expansion of the venture. Little wonder that unsuccessful government ventures are generally expanded rather than terminated. In my opinion, that is what is responsible for Gammon's "black holes," whether in medicine, schooling, the "war on drugs," agricultural subsidies, protectionism, and so on and on. That is the way high-minded motives and self-interest combine to produce what Richard Armey once labelled "the invisible foot of government." I challenge you to find more than a very exceptional counter-example. I am indebted for helpful comments and assistance to Professor Gary S. Becker, Dr. Robert J. Cihak, Dr. James F. Fries, Dr. Thomas Moore, and, as always, to my assistant, Gloria Valentine, who did much of the detailed work of digging out the statistical data from a wide variety of sources. -13- Taxes Inceative effects Memorandum RUSH! The Heritage Foundation 214 Massachusetts Avenue, N.E. Washington, D.C. 20002-4999 (202) 546-4400 11/20/91 Number 316 HOW THE KASTEN-WEBER TAX CUT WILL SPUR ECONOMIC GROWTH The deep and painful recession afflicting America is the result of seriously flawed economic policies sup- ported by George Bush and Congress. Record tax increases, costly new regulatory burdens, and unprecedented in- creases in federal spending all have combined to discourage job creation and entrepreneurship. Even though the evidence is clear that the economy remains stagnant, Bush Administration economic advisors actively are oppos- ing growth legislation. And Bush apparently is following their bad advice. Warned The Wall Street Journal this week in an editorial: "Even as lusty a beast as the U.S. economy can take only so much punishment from its political masters in Washington. The long and short of it is: The world's most important economy is in the grip of economic incompetents." As long as it remains in their grip, American workers and families will remain con- demned to lower living standards and rising unemployment. Yet the economy can grow again if policy makers remove the shackles placed on it last year by the tax and spending increase. To do so, lawmakers must reverse course and correct the mistakes that are causing the reces- sion and adopt policies that encourage job creation and increase incentives to work, save, and invest. A good start is the Economic Growth and Family Tax Freedom Act of 1991 (S. 1920, H.R. 3744) introduced by Senator Robert Kasten of Wisconsin and Representative Vin Weber of Minnesota, both Republicans. The Kas- ten-Weber growth package cuts the tax on savings and investment, technically known as the "capital gains tax," lowers taxes on business investment, expands Individual Retirement Accounts (IRAs), offers real estate tax relief, and establishes enterprise zones. Kasten-Weber also relieves the tax burden on families by granting a $1,000 non- refundable tax credit for children under age 6 and a similar credit of $300 for children age 6 to 18. The credit sig- nificantly would reverse the rising tax burden on families caused by inflation's erosion of the dependent exemp- tion over the past four decades. With the economy mired in recession, the portion of the Kasten-Weber package designed to promote economic growth is particularly critical. Its key features: 15 Percent Capital Gains Tax-Germany, Hong Kong, the Republic of China on Taiwan, and South Korea do not tax long-term capital gains, the difference between an asset's purchase and sale price. In Japan, the maxi- mum tax on capital gains is a mere 5 percent. In the United States, by contrast, capital gains are subject to a 28 percent tax. To make matters worse, the tax code ignores the fact that much of the higher sales prices and profits on savings and investments are due to inflation. American investors cannot use indexing to ensure that taxes only are paid on actual gains rather than changes in asset value caused by inflation. The Kasten-Weber proposal would cut to 15 percent the capital gains tax for savers and investors in the upper tax brackets and to 7.5 percent for those in the lower bracket. To prevent the unfair taxing of gains that reflect only inflation, the legislation also permits indexing. By calling for a lower rate and including indexation, the Kas- ten-Weber capital gains proposal goes well beyond the anemic proposal endorsed by the White House and would provide a much stronger stimulus to the economy. Note: Nothing written here is to be construed as necessarily reflecting the views of The Heritage Foundation or as an attempt to aid or hinder the passage of any bill before Congress. Washington-based economists Gary Robbins and Aldona Robbins of Fiscal Associates, Inc., estimate that lowering the tax to 15 percent would create more than 900,000 new jobs over ten years and boost gross national product growth by an average of 0.36 percent for each year over the ten-year period. Other economists find similar impact from a capital gains tax cut. Allen Sinai, Chief Economist of The Boston Company, estimates that a 15 percent capital gains tax would boost employment by 600,000 within five years and increase the gross na- tional product by 0.2 percent annually. Reducing the capital gains tax also would boost asset values, thus strengthening American banks and homeowners as well as reducing the cost of bailing out the federal government's savings and loan deposit insurance scheme. Neutral Capital Cost Recovery-Kasten-Weber increases the amount of deductions businesses can take for investment expenses by adjusting "depreciation" schedules for inflation and the value of money. This reform sub- stantially would boost capital formation by reducing the after-tax cost of investment. Under current tax law, busi- nesses cannot deduct the cost of investments in the year when they are incurred. Instead, these costs must be "depreciated" over time, up to 31 years. Eventually, of course, the business is permitted to deduct the entire nominal amount invested. But the true value of this deduction is eroded enormously by inflation. The Kasten-Weber neutral capital cost recovery approach would address the tax code's bias against business in- vestment. If a business originally was supposed to depreciate $10 million of an investment in the second year, for instance, Kasten-Weber might increase that depreciation to $10.8 million, with similar adjustments in following years so that the value of the deduction would keep pace with inflation and the cost of funds. Correctly struc- tured, neutral capital cost recovery would provide the same incentive for increased investment as plans permitting immediate deductibility of business investment in the first year. This would remove some of the current penalty on productive investment. IRA-Plus-Kasten-Weber expands upon current IRAs by giving all taxpayers the option to invest in In- dividual Retirement Accounts. Savers, moreover, would get the option of investing in IRAs that would allow for tax-free withdrawal of both principal and interest income upon retirement. Taxpayers taking advantage of this "back-ended" IRA, however, would not be able to deduct contributions in the year they are made. In addition to allowing tax-free withdrawals upon retirement, Kasten-Weber would permit 25 percent of the IRA to be withdrawn before retirement for initial home purchases, education, and medical emergencies. Passive Loss Reform-As part of the 1986 Tax Reform Act, so-called passive investors in real estate, those defined as not principally engaged in the business, cannot use rental properties losses to offset other income. Many experts say that this provision has helped trigger the decline in American real estate values and thus has in- creased the cost of the savings and loan deposit insurance bailout. Kasten-Weber would reform passive loss rules for real estate so they more closely resemble guidelines for other business investments. Enterprise Zones-To encourage economic growth in impoverished urban centers and other particularly depressed sectors of the country, Kasten-Weber would allow the creation of 50 enterprise zones. Employers open- ing operations in the zone would receive a tax credit for workers in the zone. No taxes would be levied on capital gains in the zone, and investments in zones could be immediately deducted from taxes in the year they are in- curred. These zones especially would help create jobs in inner cities. Bush Administration and congressional policies have made it unprofitable for businesses to hire new workers and for investors to put their money at risk. Excessive taxation and overregulation have ground the economy to a halt and pushed nearly two million additional Americans into unemployment lines. Meanwhile, Washington policy makers seek not answers, but how to assign blame elsewhere. Bush clumsily blames credit card issuers for high interest rates, while liberals in Congress think higher taxes on the "rich" will spur growth. There is no mystery about how to restore growth: simply reduce or remove government penalties on job crea- tion, savings, and investment. The Kasten-Weber bill will not solve every economic problem created by policy mistakes, but enactment of the pro-growth legislation would stimulate increased economic activity and reduce the tax burden on families. Daniel J. Mitchell John M. Olin Senior Fellow THE HERITAGE LECTURES Israel 350 Israel's Economic Challenge: How the U.S. Can Help By Daniel Doron The T Herîtage Foundation The Heritage Foundation The Heritage Foundation was established in 1973 as a nonpartisan, tax-exempt policy research institute dedicated to the principles of free competitive enterprise, limited govern- ment, individual liberty, and a strong national defense. The Foundation's research and study programs are designed to make the voices of responsible conservatism heard in Washington, D.C., throughout the United States, and in the capitals of the world. 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Heritage is classified as a Section 501(c)(3) organization under the Internal Revenue Code of 1954, and is recognized as a publicly supported organization described in Section 509 (a)(1) and 170(b)(1)(A)(vi) of the Code. Individuals, corporations, companies, associations, and foundations are eligible to support the work of The Heritage Foundation through tax- deductible gifts. Note: Nothing written here is to be construed as necessarily reflecting the views of The Heritage Foundation or as an attempt to aid or hinder the passage of any bill before Congress. The Heritage Foundation 214 Massachusetts Avenue, N.E. Washington, D.C. 20002-4999 U.S.A. 202/546-4400 Israel's Economic Challenge: How the U.S. Can Help By Daniel Doron Especially now, when everyone's attention is riveted to the divisive issue of whether the United States should grant loan guarantees to the Israeli government, and if it does should it ex- ploit its leverage to extract economic or political concessions from Israel, it may be useful to step back and consider these questions in a historical perspective. A proper understanding of the Is- raeli predicament-of how a nation so rich in human capital came to have such a lame economy -and of the steps that must be taken to help it overcome its difficulties may also have a sig- nificance transcending the particular case of Israel. "Of all the lands there are for dismal scenery," Mark Twain wrote in 1867 in The Innocents Abroad, "I think Palestine must be the prince. The hills are barren dull The valleys are un- sightly deserts fringed with a feeble vegetation [peopled by] swarms of beggars and peddlers [struck with] ghastly sores and malformations Palestine sits in sackcloth and ashes Only the music of angels could charm its shrubs and flowers to life again. " It took, indeed, religious visionaries and, later-when the enlightenment secularized Europe's Jewish intelligentsia- utopian socialists to revive this "hopeless, dreary, heartbroken land." No Homo Economicus moved by rational expectations would have submitted himself to hunger, dis- ease, pillage, and murder in lawless Ottoman Palestine in order to resuscitate its "waste of limitless desolation." Thus I wrote in 1988, thoughtlessly repeating the prevailing myth that socialism played an es- sential role in the resettlement of what was then desolate Ottoman Palestine. The truth was that from the modern Jewish resettlement, Palestine in the mid-1800s, it was entrepreneurs, later aided by private charities, who established the first agricultural colonies and towns. They took enormous risks because they were moved by a deep religious faith that this was the way to redeem Israel from its atrocious exile. Socialist Myth. After the turn of the century and until 1914, the Jewish population in Pales- tine doubled from 35,000 to 70,000. During that fourteen year period, private entrepreneurs established or extended in a most hostile environment three thriving towns, ten colonies, rudimentary industry and commerce, and an impressive educational and cultural network. It was during this same period that about 3,000 young, secular, penniless, socialist pioneers also ar- rived, five hundred of them to establish three collective settlements that were maintained by public support. Yet Zionist mythology credited the young socialist pioneers of the Second Aliyah with founding modern Israel. It obliterated all memory of the true founders, so much so that even though my great-grandfather was among the first settlers, and our family cherished the memory of his remarkable achievements, I, too, thoughtlessly accepted the myth about Israel's socialist origin. This little episode is worth relating because the story of how socialism came to dominate the Zionist enterprise-reshaping its history, as well as eventually transforming the nature of the Jewish community in Palestine-contains a moral far transcending Israel's particular predica- ment. An Eastern European ethos has conditioned the development of modern Israel ever since Daniel Doron is Director of the Tel Aviv-based Israel Center for Social and Economic Progress. He spoke at The Heritage Foundation on September 20, 1991. ISSN 0272-1155. ©1991 by The Heritage Foundation. 1 the very inception of Zionism about 130 years ago, as I shall later explain. Therefore, the trials and tribulations of the Israeli economy, as it struggles to make the transition from a statist to a market economy, can shed significant light on the challenges and difficulties that Eastern European countries may encounter and can guide friends wishing to help. I have advisedly chosen to dwell on what might seem as a tangential issue: the secondary role outside influences can play in an economic system's evolution. Many here may be involved in facilitating the transition in Eastern Europe. Israel's case demonstrates that the role of outside in- fluences can sometimes be quite critical in shaping developments and alas, despite the best of intentions, not always in the most salutary manner. For sometimes help misapplied cannot only be counterproductive, but positively harmful and regressive. Well-Intentioned Friends. To return, then, Zionism certainly has a predisposition to contract socialism fever. Historical circumstances, especially the long entrenched autocratic abusive regimes that were legitimized by orthodox Christianity, made all of Eastern Europe, particularly the Jews, vulnerable to revolutionary fervor and utopian temptations. However, this disposition could not have successfully taken over Zionism if not for the well-intentioned intervention of friends, most from the West, many from America, who participated in events in Palestine without much foresight or care. When in 1920, under the British Mandate, Palestine's doors opened, tens of thousands of dis- placed European Jews clamored to emigrate. A totally unprepared Zionist organization stopped them, ostensibly for economic reasons, but really because its purpose was to shape the develop- ment of Palestine's Jewish community in a certain direction. Eastern European Zionist leaders such as Chaim Weizman accepted the anti-Semitic calumny that Jewish society was at least partially responsible for its misery because Jews were not a productive, land-tilling people, but parasitic capitalists. They therefore wanted to create a new Jewish person and society, based on "honest" labor, and not the traditional middle class society of entrepreneurs. Conversely, Judge Louis Brandeis and his followers in American Zionism were convinced that only the encouragement of private enterprise could provide a sound economic basis, and that a collectivist system would pose a danger to democratic society. But they remained a minority. The Utopian collectivist ideology prevailed; Brandeis resigned from the Zionist Organization of America, and Weizman and his supporters were able to channel all Zionism's resources into the collectivist sector, thus turning it from a tiny minority to the dominant economic and political force in Zionism. Inhibiting Entrepreneurship. The Zionist settlement department and its considerable resour- ces were devoted to the promotion of a socialist-dominated society, while great handicaps were devised to inhibit the growth of middle class entrepreneurship. This occurred despite repeated failures of the collectivist sector, which survived only through constant infusions of public money. Public money was raised, ironically, mostly from middle class American Jews who sin- cerely wanted to help, but could not really bother to learn the issues facing Zionism or to act carefully to prevent their help from tilting the balance in favor of socialism. As it has had elsewhere, socialism has had a devastating effect on Israel. In the thirty years preceding the State's establishment, and in the forty years following it, Israel created, with the benefit of huge capital inflow (over $70 billion since the State's creation), with back-breaking work and with sometimes superhuman sacrifice, a laggard economy incapable of offering the Is- raeli worker more than a measly $1,000 monthly average salary. Instead of permitting the Jewish people to invest their considerable talents and resources in creating an urbanized, highly-in- dustrialized center with advanced service industries and a sophisticated financial industry 2 capable of absorbing millions of highly-educated Jews, Zionism established, before inde- pendence, only a small community based on a weak, agrarian economy. After independence, it spawned a centrally-dominated and collectivist economy, which made Israel economically de- pendent on foreign help. Zionism's inhibitions on urbanization and industrialization, which could have assured a high standard of living to all the inhabitants of the land, had serious repercussions. The backward col- lectivist economy, with its essentially discriminating political manipulation, sharply increased social and ethnic divisions. Incessant struggles over the division of the pie corrupted politics and degenerated economics. It also gravely damaged productivity by the wholesale misallocation of resources and by channelling so much energy into the seeking of privileges. The economy's politicization also aggravated the Arab-Israeli conflict. Concentrating the Zionist effort on agriculture inhibited economic growth and naturally intensified the confronta- tion with the Arabs, who were mostly rural. It focused the struggle on land and water, which are limited resources that are difficult to share. And slow economic growth and sluggish demand for labor also sparked a struggle over employment in Mandatory Palestine. Economic Discrimination. Later, in independent Israel, when much of the economy belonged to national or public entities, with economic benefits a political coin, the Arab popula- tion, lacking political clout, was subject to the economic discrimination inherent in excessive politicization, much in the same way and for the same reasons that the Sephardim were dis- criminated against. To this day, lack of opportunity and economic discrimination strain the fealty of Israeli Arabs. By the time of the creation of the State, socialism was, of course, well entrenched, but its repeated economic failures forced Labor governments slowly and painfully to reduce their total control of the economy, though not nearly speedily enough. In the late 1970s, growing discon- tent with the malfunctioning of the Israeli economy was a major factor in Labor's loss. A reformist party siphoned off enough Labor votes to gain sixteen Knesset seats, thus enabling Likud to become the majority party and form a government for the first time. Ostensibly pro-private enterprise, Likud made a hasty, ill prepared and tentative attempt to reform the economy. It was so ill conceived and executed that it caused skyrocketing inflation. Also, soon enough the allure of power and the strength of populist elements in the party led it to greatly increase the government's involvement in the economy. It had far more involvement than labor, by exploiting increased foreign aid to greatly extend social benefits, the welfare system, and huge subsidies to industry and the consumer. Even today, when economic aid mostly covers the repayment of debt and is therefore merely a bookkeeping exercise, it still enables the govern- ment to delay vital structural change. Tangle of Regulations. Under Likud, then, government intervention in the economy reached new heights. The government owns over 200 corporations in all economic spheres. Despite some very halting steps toward privatization, it still controls the import of many staples. It sanctions dozens of monopolies. The government has recently moved to lift many import regulations, but in too many cases, it has simply switched from bureaucratic restrictions to high duties to protect inefficient Israeli industries from competition. One can scarcely engage in any profession or trade without a government permit or compliance with a tangle of regulations, an especially serious impediment to the Russians wishing to enter the economy. Government denies free or easy entry to the market and ties the hands of producers with onerous labor laws. It imposes on labor and employers punitive taxes that destroy their competi- tiveness and nip in the bud new enterprises. As a result, Israel has a very small proportion of small businesses, which in turn curtails competitiveness and efficiency. Israel has over two 3 dozen different major taxes and dozens of special levies (imposed, for example, on stud rams, camel markers, and reburials). As much as 55 percent of gross national product is taken in taxes, although about 25 percent is returned in subsidies and transfer payments. Discredited Statism. Yet despite the fact that Israel has perhaps earned its bad annual report cards, there are tremendous changes afoot there. In the past few years, statist ideology has been almost totally discredited in Israel. Ironically, even when the government attempts to intervene in a massive way, as in a recent plan to promote employment by granting generous subsidies to industry, it does so putatively to "assist the workings of the market" and to "encourage enterprise." But such excuses do not usually wash, and most of the press and many in the policy community are quick to expose the absurdity of such government assistance. This is light years away from what prevailed even as recently as six or seven years ago, when government proposals were often criticized, but only on the grounds of their ineffective execution, while their necessity or raison d' etre was seldom questioned. As a result, a number of major economic initiatives the government planned, that would have cost Israel billions of dollars, have been squashed. Even though it seems that the political establishment is reluctant to accelerate change, it ap- parently understands where the wind blows. In September, we witnessed an astounding phenomenon: a Labor party that still finds it difficult to separate itself from its red flag and May Day celebration, launched a massive ad campaign attacking the Likud government for not being friendly enough to free enterprise. A new Labor election platform calls for privatization and reduced government interference in the economy. The refutation of statist ideology has also brought about other changes in policy. While only a few major reforms have been successfully completed so far, those familiar with political under- currents can discern significant beginnings for profound future changes. There were two developments within the Israeli economic and political system that caused many of these changes and that are worth commenting upon because they may contain sig- nificant lessons about how the internal dynamics of a statist economy eventually mandates transition to a market economy. If we were to analyze Israeli politics strictly by the hypotheses of social choice theory, there could be very little prospect for economic reform. Since Israeli politicians are in almost total con- trol of the economy, only revolutionary change could force them to forego their enormous power. Yet it seems that the extensive use of economic favors to buy political influence finally makes the political exploitation of the economy self-defeating. Vested Interests. One can observe an interesting favor-seeking process on the national scene, even, most significantly, within political parties. Having offered so many government favors to their followers, Israeli political parties have in effect, been transformed into unstable coalitions of vested interests vying for government favor. Since even the Israeli government does not pos- sess unlimited resources, party lords cannot ultimately satisfy the needs of all their constituencies, whose expectations keep rising much faster than favors can be granted. Moreover, even if an attempt was made to satisfy them all equally, it would not prevent a des- tabilizing struggle from developing, for each group would consider itself more deserving and would demand more favors, not least as a token of its larger political clout. Thus, for every satis- fied customer that a leader acquires by dispensing political favors, he creates a number of dissatisfied clients, and several political enemies. Parties then resemble families torn by conflict and intrigues as a result of a sudden inheritance that must be shared. With no objective economic criteria to indicate how such a windfall can be divided and no productive effort to be rewarded, 4 personal and political ambition become the predominant factors and rivalries and jealousies abound. Finally, they destablize and break apart the family or the party. It seems then that while the setting of a constitutional limit on the economic power invested in government and in political parties may be necessary, what will make such a limit acceptable and even desirable to politicians is the realization that the dispensing of political favor is even- tually counterproductive. Politicians must recognize that rather than securing their hold on power, in the long run it undermines it. They also must realize that since a nation's strength depends on its economic viability, its political system cannot long survive massive government control of the economy, as we have witnessed in Eastern Europe and even in Sweden. A second process that holds great promise for spontaneous grass roots and market-generated reform can be witnessed in Israel in the way market forces eroded the political establishment's economic base while empowering previously disenfranchised citizens. Decades of political manipulation and misallocation of resources have finally taken their toll on industrial enterprises owned by government, the Labor Party and the banks, as well as the Labor-affiliated sick fund, pension funds, and agricultural cooperatives. Moreover, the same relentless forces that are final- ly weakening Israel's statist economy are also beginning to reward, albeit, haphazardly, Sephardic Jews who lacked access to the system and therefore had to make it independently, mostly in the informal economy. Healthy Attitude. A survey of income disparities in Israel between Ashkenazim (Jews of European background) and Sephardim (Jews from Arab countries) discovered that despite ex- tremely high taxes and transfer payments, income gaps kept growing among these groups in the public sector. But among independent wage earners, Sephardim moved up faster and overtook the Ashkenazim. Ashkenazim, mostly well established officials, discovered to their chagrin that while education and contacts gave them access to coveted jobs, they remained highly taxed. The more recently arrived Sephardim, lacking such connections, moved into trades and small busi- nesses where they satisfied rapidly expanding demands and participated in the underground economy. Never having been infected by the ethos of socialism, they were generously rewarded for their healthier attitude toward enterprise. Many Sephardim rose in the Israeli political hierarchy through the direct elections of mayors, making them more responsive to public needs and accountable to their constituencies than Mem- bers of Knesset who are put on the slate by the executive committee. However, what might really force the hand of the system and promote change is the massive wave of new immigrants from the Soviet Union. The challenge of housing and providing jobs for tens of thousands of new immigrants can simply not be met by Israel's sluggish economic sys- tem. As a matter of fact, already the government has had to forego its intervention in the initial absorption process and allow for direct absorption by handing each immigrant family a subven- tion with which to purchase housing, food, clothing, and education. As a result, Israel was able to absorb the first wave of almost 300,000 immigrants without initially having to add to the exist- ing housing stock. Suddenly, tens of thousands of empty apartments, which were owned as inflation-proof investments, were put on the rental market, and provided the necessary housing. In the area of employment, too, markets have operated much more gingerly than statistics reveal. Official figures show an 11 percent unemployment rate in Israel. Yet it is difficult to secure the services of a maid for even $10 an hour (the average monthly salary in Israel is $1,000), and there are many thousands of illegal foreign workers from Poland, Portugal, Ghana, Turkey, Romania, and the Philippines (besides the scores of thousands of Arab workers from the West Bank, Gaza and even southern Lebanon) who find employment in Israel. This apparent paradox of jobs going begging while there is apparently such a high rate of unemployment is due 5 not only to the disincentives provided by high unemployment compensation on the one hand, and significant taxes imposed on low income brackets on the other, but also because much employment is in the informal sector. Altogether, the existence of a vigorous informal sector, while saving Israel from being torn apart by disruptive social tensions and economic hardships, has also reduced the pressures for reform, especially of the tax system. People often wonder why Israelis, who are among the highest taxed people in the world, have not declared a tax revolt. The reason seems to be that they have "privatized" their revolt, sometimes by individual tax evasion, but more often by sec- torial arrangements whereby although the taxable portion of the salary is small, the worker receives various perks, on which often only the employer pays taxes. The unfortunate result is that while take home pay is very low, the cost of labor to the employer is very high. Once hidden excess capacities in the job and housing markets are exhausted, however, the need to create additional jobs and additional housing for the immigrants will come up against the rigidities inherent in Israel's statist economy. The greatest hope for rapid employment expansion is small businesses. Their proportion in Is- rael is much smaller than that prevalent in Western economies, because the Israeli economy is rife with government-sanctioned monopolies, with government bias in favor of large enterprises, with onerous entry limitations (one, for example, cannot establish a pharmacy within a radius of 500 meters from an existing one), and heavy taxation at low brackets preventing capital ac- cumulation. If Israel is rapidly to expand employment, massive deregulation and lower taxation must be instituted. In housing, too, government interference is the major hindrance to rapid expansion. We have calculated that the average three-room apartment in Israel that now costs $100,000 contains at least $65,000 in government-imposed costs: inflated land prices (the government owns 93 per- cent of the land), capital consuming lengthy planning and regulatory procedures, high taxes on building materials and labor, government-sanctioned monopolies in steel, iron, cement and in contracting services. A Blueprint for Reform. So what can be done besides complaining and issuing bad report cards? In February 1990, my organization, the Israel Center for Social and Economic Progress, held an international conference with the participation of over 2,000 people (including Israel's President, ministers, Knesset members and other pillars of the establishment, and foreign dig- nitaries, such as Milton Friedman, Justice Antonin Scalia, Trevor DeCleane, Stuart Eizenstat, and others). With their help we were able to produce a blueprint for reform. The government budget and taxes must be cut drastically. We put together a detailed plan that pointed out chapter and verse how to cut 10 percent of the budget simply by eliminating duplication and waste. Tax systems and capital markets must be reformed and hidden capital legitimized so a thriving underground economy can be integrated into the formal one, and thus increasing productivity. Government companies, including those in the defense industry, must be sold, but not through a lengthy piecemeal process that encourages powerful interests to acquire them at preferential terms. They must be incorporated into two or more competing mutual funds whose shares should be offered to the public. Government must release vast tracts of land and sell them to the highest bidder. 6 A pending law to encourage rental housing must be finally enacted. This will help make the building industry more efficient and competitive. Once competitiveness and efficiency have been accelerated, municipalities can privatize their services, and so save a large portion of their outlays. This will enable them to reduce local taxes, which are a heavy burden, especially on small businesses. Above all, the Israeli economy must be massively deregulated to become truly competitive. A blue ribbon committee should be established to review all government regulation of economic activity. Those that are not proven cost effective or that impede economic growth should be abolished within a reasonable period of time. Now that our seven years of work have conspired with circumstances to convince most Israeli decision makers and public opinion molders that economic reform is a top priority, and that only a market economy can assure Israel's viability and security, the hard work has only begun on how to get from here to there. As experts in Eastern Europe point out, it is not enough to con- vince people that reform is necessary; it is not even enough for them to want it desperately. They still have to develop concrete strategies, adapted to an economy's particular circumstances, to its unique institutional setting and its social relationship, if they wish to see reform not only enun- ciated but actually carried out. You have to identify the groups that would cooperate on economic reform and try to win over those resisting it in order to both generate support and eliminate or modify opposition. This re- quires more than annual rhetorical exhortations telling the government to shape up and do certain things or to refrain from doing others. It takes a much more arduous effort to persuade decision makers that reform is in their best interest in the long run, to teach them the ABC's and the syntax of proper economics so that they can all write a better economic scenario in their own spheres of action. Holding out a foreign model for reformers and expecting them to follow it on faith will just not do the trick. The setting up of foreign models to be emulated may prove to be counterproductive unless done with the utmost sensitivity and discretion. The particular ethos of different countries, their unique aspirations, institutional dynamics, and even their peculiar semantics may be so different, that those opposing reform could easily seize on such differences in order to discredit the notion of reform. Judicious Criticism. To those who exhort Israel to follow the example of Hong Kong or South Korea, many Israelis would retort that since these are not democratic countries, they can resist the pressure to close great discrepancies in wealth. Also since, at least until recently, large parts of their populations were not well educated, they could not serve as models to a country like Israel wishing to integrate a great mass of very educated immigrants who thought that if the price for democracy and greater equality must be greater government involvement in the economy, so be it. It should also be remembered that strident, often simplistic, even slanted, foreign criticism of Israel, and attempts by outsiders to twist the arm of its government, even if well motivated, may alienate many Israelis. For they already feel that they are exposed to far too much foreign scrutiny and double-standard criticism. This criticism may play into the hands of those who resist reform by enabling them to recruit patriotic feelings. So, to be effective, foreign critics must act very judiciously and sensitively and not indulge in generalities and in intemperate rhetoric. They must remember what a daunting task basic economic reform is even in countries which enjoy relatively free market economies and not ex- pect that by acting as visiting firemen they can institute reforms in foreign economies overnight. 7 This is not to say that foreign friends should keep away and not lend a helping hand. To the contrary, they have a vital role to fulfill in encouraging local advocates of reform. Since official U.S. representatives tend to confine their contacts and attention to official circles and the estab- lishment that is associated with them in statist economies, the population gains the impression that U.S. sympathy and prestige are behind the policies they follow. It is therefore vital that voluntary U.S. organizations find a way to convey to the people in these countries what the U.S. really stands for in terms of the values and policies associated with the market economy, by establishing their own ties with their counterparts in these countries. Where such counterparts are lacking, as in many autocratic regimes in Latin America, the Arab countries, and the Far East, they might want to emulate the example set by the Open Society Fund which successfully sowed the seeds of a civil society in many East European countries when they were still communist. Local reformers should be helped by permitting them easier access to the experience accumu- lated by reformers elsewhere, and the means should be provided to help transmit such knowledge in their native language and in terms assimilable by their own culture. Often it is most difficult for such reformers to raise funds for their activities in their own countries since the source of most wealth is in the government's hands and with those who benefit from government intervention and would therefore oppose reform. Rethinking Foreign Aid. Above all, the time has come for proponents of economic reform to give some very serious and urgent thought to how to neutralize some of the very destructive con- sequences of government-to-government foreign aid that in the past often resulted in creating in the beneficiary countries an overbearing and injurious public sector. Can government aid be used as a leverage to encourage the private sector of developing countries, and if so, how? It is clear that most countries wishing to make the transition from a statist to a market economy are facing formidable problems. They urgently need help. But, as the saying goes, it is better to teach them how to fish than to provide them with fish. Educating people to function in a market economy is a long, arduous process, but there are no short cuts. It is the reformer's task not to hit their opponents over their heads, but to educate them patiently, convince them that through individual freedom and free markets their yearning for a better life can be realized sooner, more peacefully, and even more justly. 8 LBML Economy Bell Mueller Cannon, Watch Inc. Lehrman Bell Mueller Cannon, Inc. November 1991 Lewis Lehrman, Chairman Frank Cannon, Mg. Director 2111 Wilson Blvd. Suite 416 Jeffrey Bell, President Ralph Benko, Vice President Arlington, Va. 22201 John Mueller, VP/Economist Charles Reid, Dir. of Research (703) 243-6955 Rest of 1991 1992 Comment Growth 4th-Q real GNP Growth slows to 4% + growth in growth about 3%. 2% at mid-year. 1993's 1st half. Inflation CPI 3.0% yr/yr avg., 3.0% yr/yr avg., Inflation jumps to 3.5% annualized. 3.1% annualized. 4%-5% peak in 1993. Interest Rates 30-yr. T-Bond yield Yield bottoms Yield hits 8-1/4% in just below 8%. around 7-1/4%. mid-1993. Stocks Stocks move Rally continues: DJI peaks at 3,800 generally higher. DJI hits 3,300. at end of 1992. Dollar Dollar rises V. DM, Dollar peaks near Germany struggles eases against yen. DM1.90 in 1st half. with inflation awhile. After the Fall: Dow at 3,800 Bull markets climb a wall of worry, says positive surprises, for example in in- the old adage. The recent 5% + correc- dustrial production. Meanwhile, a fur- tion in the Dow Jones Industrials has ther improvement in the outlook for raised widespread fears that a bear inflation reinforces our view of a bond market is beginning. We don't think so. rally in 1992. Moderate growth plus a Like the consensus, we've trimmed our bond rally add up to a strong advance in forecast for current-quarter GNP the stock market. We're raising our tar- (though not for industrial output), but get for the Dow Jones Industrials a year continue to think that we'll soon see from now to 3,800. Copyright © 1991 by Lehrman Bell Mueller Cannon, Inc., Arlington, Va. All rights reserved. This work may not be reproduced in whole or in part without the express prior written consent of the copyright owner. The information contained herein has been obtained from sources which we believe to be reliable, but we do not guarantee its accuracy or completeness. November 1991 2 Economy Watch Growth. This is a moment of truth for should rise to a 4-5% peak in 1993 (Sec- our growth forecast. After sharp gains in tions 1.4 & 1.5). April through July, industrial output paused for three months (see graph). If Bonds. We expect the 30-year Treasury we were right last month in calling this bond yield to tarry near 8% as stronger- "a blip down on the way up," industrial than-expected growth is digested. But growth should resume in November, and bonds should rally on low inflation news continue until until the yield about February Moment of Truth. reaches 7- (Section 2.5). 1/4% toward So far, our Capacity Utilization: 2 Years Ahead the end of forecast of in- Total industry: Actual vs LBMC forecast 1992. We con- 86% dustrial output tinue to expect has been on the 85% the jump in in- button; but real flation in 1993 84% GNP growth to drive yields has been 83% up 100 basis weaker than we points (Sec- 82% forecast. We're tions 3.1 & scaling down 81% 3.2). our forecast for 80% the current Stocks. We quarter, but 79% think the still expect November GNP 78% to stock market surprise the 77% correction will at 85 86 87 88 89 90 91 92 93 94 consensus be followed by 2.9% in the Model shown unsmoothed. Actual + 2-year Forecast - Current Forecast a rally. In fact, fourth quarter, we've raised a bit faster than the third (Section 2.6). our estimated peak on the Dow to 3,800 by the end of 1992 (Sections 3.3 and 3.4). Inflation. In May we argued that year- to-year producer price inflation, then Dollar. We were right in thinking that 3.2%, "could fall almost to zero in the the dollar would continue to weaken fourth quarter." In July we said CPI in- against the yen. But in November the flation would fall to a low of 3%. CPI market strongly disagreed with our view inflation hit 2.9% and PPI inflation 0.0% that the greenback would rise against in October. We expect year-to-year in- the Deutschemark. Undaunted, we ex- flation to stay near these levels until the pect the dollar to rise and the DM to fall latter half of next year. CPI inflation from here (Section 3.5). Lehrman Bell Mueller Cannon, Inc. Economy Watch 3 November 1991 1.0. The Outlook for Inflation 1.1. LBMC's World Dollar Base of the World Dollar Base to quicken a bit in coming months (though probably Explanation. The world's central not into double digits). The implica- banks and basic commodity markets tions? Despite a sharp slowing in its operate on a "dollar standard." So growth, dollar liquidity remains positive Lehrman Bell Mueller Cannon, Inc. even after adjustment for inflation and uses what we call the "World Dollar should not pose a threat to the economic Base" as a key forecasting tool. In prin- recovery (see Section 2.1). Also, it looks ciple, the World Dollar Base com- as though the extended commodity- prises the U.S. monetary base price disinflation should be interrupted ("high-powered money") plus the dol- starting in 1992's second half with a lar reserves held by foreign central single sharp burst of inflation, lasting banks to back their domestic currencies. until mid-1993 (see next page). When the World Dol- lar Base grows, it adds to liquidity in the dol- LBMC's World Dollar Base lar market. The first effect is on financial US Monetary Base & $ Reserves, 6-mo. AR 35% markets, then output; in the longer run, 30% prices (especially raw materials, food and 25% energy prices). 20% Latest. Despite a slight reacceleration 15% of U.S. domestic monetary growth, the 10% 6-month growth rate of the World Dollar 5% Base ticked down to 0% just over 5% in Oc- tober. However, in -5% November foreign dollar reserves rose -10% sharply in response to 85 86 87 88 89 90 91 the dollar's decline, OCT est MO 7.8% $Res 3.0% $Base 5.4% and we expect growth I SL Fed MO + $Reserves 0 $Base Lehrman Bell Mueller Cannon, Inc. November 1991 4 Economy Watch LBMC's World Dollar Base & Commodities CPI Food & Energy Commodities, yr/yr % 24% 22% 20% 18% 16% 14% 12% 10% 8% 6% 4% 2% 0% -2% -4% 60 65 70 75 80 85 90 $Base scaled to commodities, 2-yr + lag $Base + CPI Food & Energy 1.2. Commodity Prices close agreement with one incorporating the World Dollar Base until the end of Explanation. The World Dollar Base is next year (see graph below). We expect a useful in predicting overall commodity spike in food prices in late 1992 and inflation two years in advance. Of energy prices in the first half of 1993. course, specific commodity Gasoline: Producer Price prices also reflect relative & forecast (1982 = 100) scarcity. For example, due to 100 0 its importance and semi-car- telized market, energy supp- 90 X ly must be analyzed 80 separately. We use the price of gasoline as a benchmark. 70 Latest. Commodity disin- 60 flation continues, thanks in large part to the monetary 50 tightening that also triggered 000 the recent recession (graph 40 above). The energy futures 85 86 87 88 89 90 91 92 93 94 markets remain in fairly Futures price adjusted for interest PPI gasoline + 11-15-91 Futures LBMC forecast Lehrman Bell Mueller Cannon, Inc. Economy Watch 5 November 1991 LBMC's Unemployment Model 1.3. Labor Costs Civilian Unemployment Rate, % 7.4% Explanation. Labor-intensive 7.2% goods are not priced like com- 7.0% modities. So LBMC's inflation 6.8% models contain a monthly proxy for 6.6% wage costs. 6.4% 6.2% Latest. Our forecast for un- 6.0% 5.8% employment, which figures in our 5.6% forecast of labor costs, is a few 5.4% tenths higher than before. This may 5.2% not sound like much, but cumula- 5.0% tively helps lower our forecast of 4.8% CPI inflation by about three- 85 86 87 88 89 90 91 92 93 94 95 quarters of a percent for 1993. October: 6.8% (Up 0.1%) Model + Unemployment 1.4. LBMC's PPI Model year-to-year PPI inflation remaining in the 0-1% range for the next year, then Explanation. LBMC's PPI Model jumping 3 percentage points in 1993, forecasts producer price inflation for due to commodity inflation and rising finished goods. The model is based on labor costs at that time. separate forecasts of PPI sub-indexes for food, ener- LBMC's PPI Forecast gy, and other goods. Producer Prices, year/year % 8% 7% Latest. Producer prices rose 0.8% in October 6% (0.7% after seasonal adjust- 5% ment). Yet year-to-year PPI 4% inflation fell to 0.0%, ful- 3% filling our forecast this year 2% of PPI inflation falling to 1% zero. Much of October's rise was concentrated in the 0% ex-food-and-energy -1% category, but seems to be a -2% fluke which should be fol- -3% lowed by an abnormally 85 86 87 88 89 90 91 92 93 94 low rise this month. We see October: 0.0% (Down 0.8%) - LBMC Forecast + PPI Lehrman Bell Mueller Cannon, Inc. November 1991 6 Economy Watch LBMC's CPI Model Based on sub-indexes, year/year % 15% 14% 13% 12% 11% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 Month-ahead forecast shown. LBMC Model + CPI 1.5. LBMC's CPI Model seasonally adjusted CPI rise of 0.3%. We expect year-to-year CPI inflation to stay Explanation. Like our PPI Model, around 3% until late next year. CPI in- LBMC's CPI Model is based on flation should average 4.3% year-to-year separate explicit forecasts for the food, in 1991 and 3.0% in 1992. But we expect energy, and ex-food-and-energy sub-in- the CPI to rise to a peak of about 4-1/2% dexes. year-to-year in 1993. Latest. The CPI rose LBMC's CPI Forecast Consumer Prices, Year/Year Change 0.1% in September (also 7.0% 0.1% after seasonal ad- justment). Our estimate 6.0% last month was 0.2% seasonally adjusted. This 5.0% cut year-on-year inflation to 2.9%. 4.0% The overall number was 3.0% helped by a drop in so- called "core inflation" to 2.0% 0.1%, but we expect this to bounce up in November, 1.0% resulting in an overall 86 87 88 89 90 91 92 93 94 October: 2.9% (Down 0.5%) LBMC Model + CPI Lehrman Bell Mueller Cannon, Inc. Economy Watch 7 November 1991 2.0 The Outlook for Growth 2.1 "Real" World Dollar Base LBMC's World Dollar Base & Output $Base/CPI (1-yr lag) v. Indust. Prod'n 14% 13% Explanation. The level of output is 12% 11% mostly determined by supply factors; but 10% business-cycle fluctuations are partly re- 9% 8% lated to "excess" money -- money not 7% demanded to exchange wealth at exist- 6% 5% ing prices (see "The Rueffian Synthesis" 4% 3% and "The World Dollar Base and Busi- 2% ness-Cycle Forecasting," June/July & 1% 0% September 1991 LBMC Reports). A -1% -2% good measure of "excess" money is -3% Treasury debt monetized by the banking -4% -5% system (graph below). In recent years, 86 87 88 89 90 91 92 increases in the World Dollar Base have OCT est: 5.0% year/year $Base/CPI yr/yr + Production yr/yr formed the bulk of such monetization. October. Real dollar liquidity points to Latest. After inflation, LBMC's World stronger-than-expected growth into Dollar Base grew 5.0% year-to-year in early 1992, then a temporary slowing. Monetized Federal Debt & Capacity Use Monetized debt/CPI V. Util. rate, yr/yr 12% 10% 8% 6% .4% 2% 0% -2% -4% -6% -8% -10% -12% -14% -16% 60 65 70 75 80 85 90 Debt scaled to util. rate, 1-year lag Monetized deficit + Util. rate Lehrman Bell Mueller Cannon, Inc. November 1991 8 Economy Watch LBMC's Capital Return Index 1-Tax on Capital vs Util. change y/y 20% 15% 10% 5% 0% -5% -10% -15% -20% 55 60 65 70 75 80 85 90 Index lagged 1 year Lagged LBMC Index + Util rate change Lehrman Bell Mueller Cannon, Inc. 2.2.LBMC Capital Return Index Latest. LBMC's Capital Return Index rose again in October -- up 2% year-to- Explanation. The LBMC Capital year, mostly due to the positive effects of Return Index is a monthly indicator of falling inflation and lower interest the supply-side effect of Federal tax rates. We expect this to be near the peak. policy on the return to capital. The LBMC Capital Return Index index includes Federal taxes on Average Marginal After-Tax Return yr/yr corporate income, personal in- 8.0% 7.0% come, and capital gains. When the 6.0% marginal tax on capital falls, the 5.0% index rises. Even without changes 4.0% in tax law, the tax rate changes 3.0% each month with the expected in- 2.0% flation rate (since capital gains are 1.0% not indexed for inflation), and with 0.0% interest rates (which alter the -1.0% value of tax deductions for -2.0% depreciation). Thus monetary -3.0% policy and effective marginal tax -4.0% 86 87 88 89 90 91 92 93 rates are related. OCTOBER: 2.0% year/year + LBMC Index LBMC Forecast Lehrman Bell Mueller Cannon, Inc. Economy Watch 9 November 1991 2.3. LBMC Labor LBMC Labor Return Index Return Index Average Marginal After-Tax Return yr/yr 3.0% Explanation. The LBMC 2.5% Labor Return Index charts the 2.0% change in the marginal return 1.5% to labor after Federal income 1.0% and payroll taxes. 0.5% Latest. The supply-side effect 0.0% on labor of Federal tax policy -0.5% remains slightly negative in -1.0% 1991, largely due to a rise in the top income and Medicare tax -1.5% 86 87 88 89 90 91 rates on January 1. Latest month: -0.7% (unchanged) + LBMC Index 2.4. "Real" Federal Debt Gulf War payments; recently it's been about the ballooning federal deficit. As Explanation. We've come to the view we've argued in recent months, the infla- that Federal deficits have no major im- tion-adjusted growth rate of Federal pact on growth unless they are debt should soon peak and decline, lar- monetized (see Section 2.1). But they gely due to the economy's bottoming can affect the composition of output. and recovery. Under floating ex- change rates, a non- LBMC's Federal Debt Model monetized deficit can Debt to Public/CPI, 6-mo. SAAR 14.0% attract foreign capi- 13.0% tal, causing the dollar 12.0% 11.0% to appreciate. Addi- 10.0% tional domestic con- 9.0% sumption or 8.0% investment financed 7.0% by the deficit tends to 6.0% be offset by a decline 5.0% in net exports. 4.0% 3.0% 2.0% Latest. Just a few 1.0% months back, the talk 0.0% was about the declin- -1.0% 85 86 ing deficit, thanks to 87 88 89 90 91 92 93 94 Public debt ex bank bailouts Model + Real debt to public Lehrman Bell Mueller Cannon, Inc. November 1991 10 Economy Watch LBMC Growth Model: Almost 2 Years Ahead Change in Utilization Rate, year/year 12% 10% 8% 6% 4% 2% 0% -2% -4% -6% -8% -10% -12% -14% -16% 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 LBMC Model + Util. rate 2.5. The LBMC Growth Model dustrial production to register about 3% in the 4th quarter, 6-7%% in the 1st Explanation. LBMC's Growth Model quarter of 1992, and 3% in the second. begins with a forecast of the rate of We look for a wave of strong growth at change in capacity utilization, based on the start of 1993, when capacity use rises the LBMC indexes for government sharply (see graph page 2). After declin- monetary and fiscal policies. This is ing almost 2% in 1991, output should combined with a forecast of industrial rise 4-5% in 1992. capacity to produce a forecast of industrial produc- LBMC's Growth Forecast tion. Industrial Production, Q/Q SAAR 14% 12% Latest. Industrial produc- 10% tion was unchanged in Oc- 8% tober, though July and 6% B September were revised up a 4% B 2% bit. If we're right, we should 0% see healthy monthly in- -2% creases for the next three or -4% four months, confounding -6% the increasingly numerous -8% "double-dippers" who look -10% for declines. We expect -12% 85 86 87 88 89 90 91 92 93 94 quarterly growth rates in in- O Actual IP LBMC Forecast Lehrman Bell Mueller Cannon, Inc. Economy Watch 11 November 1991 LBMC's GNP Proxy Real GNP ($1982) Quarter/quarter SAAR 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% -2.0% -4.0% -6.0% -8.0% -10.0% -12.0% 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 Real GNP + LBMC GNP Proxy 2.6. LBMC's GNP Proxy lowering our GNP forecast about 1 per- centage point, to 2.9% in the current Explanation. LBMC's Monthly GNP quarter and 3.1% in the first quarter of Proxy is based on industrial production 1992, followed by a decline to the 2% and, starting this month, employment. range in mid-1992. Growth should spurt Though industrial output is the best to 4% or more in the first half of 1993. single proxy for GNP, the forecast can be Measured fourth-quarter-over-fourth- improved a bit by adding employment to quarter, real GNP should rise 0.5% in represent the non-industrial economy. 1991, 2.6% in 1992, and 3.8% in 1993. Latest. Our forecast of in- dustrial production has Real GNP Growth $1982, Q/Q SAAR been very close to the mark. 7% But we've overestimated 6% real GNP so far during the 5% recovery. Just as the in- 4% dustrial recession began 3% before the GNP recession, 2% industry has so far 1% recovered sooner than the 0% rest of the economy; and it -1% seems that this will persist G -2% for the time being. Leaving -3% our forecast of industrial -4% 85 86 87 88 89 90 91 92 93 94 output unchanged, we're 1991:III: 2.4% Actual GNP + GNP Proxy LBMC Forecast Lehrman Bell Mueller Cannon, Inc. November 1991 12 Economy Watch 3.0. The Outlook For Financial Markets LBMC's Treasury Bond Model Yield on 30-Year Treasury Bond 15% 14% 13% 12% 11% 10% 9% 8% 7% 78 79 80 81 82 83 84 85 86 87 88 89 90 91 Month-ahead forecast shown LBMC Forecast + 30-year T-Bond 3.1. LBMC Treasury Bond couple more months as the markets Model digest better-than-expected news on the economy and a couple of slightly worse Explanation. LBMC's Treasury Bond CPI reports. But then yields should drop Model is designed to forecast the in 1992 to a low of about 7-1/4%, before monthly average yield of the 30-year backing up 100 basis points by early 1993 Treasury Bond. The forecast is based on as inflation rises. Yields should average LBMC's forecasts of the economy, 7.95% in the fourth quarter of 1991 and central bank 7.60% in 1992. policy and in- LBMC's Treasury Bond Forecast vestor expecta- 30-year Treasury Bond Yield 9.8% tions about 9.6% inflation and the 9.4% dollar. 9.2% 9.0% 8.8% Latest. The 30- 8.6% year T-Bond 8.4% yield remained 8.2% 8.0% just below 8% 7.8% for most of 7.6% November. We 7.4% expect the yield 7.2% 87 88 89 90 91 92 93 94 to stay there a LBMC Model + 30-year T-Bond Lehrman Bell Mueller Cannon, Inc. Economy Watch 13 November 1991 LBMC's Corporate Bond Model Moody's AAA Corporate Bond Yield 16.0% 15.0% 14.0% 13.0% 12.0% 11.0% 10.0% 9.0% 8.0% 7.0% 78 79 80 81 82 83 84 85 86 87 88 89 90 91 Month-ahead forecast shown. LBMC Model + AAA Yield 3.2. LBMC Corporate Bond Bond Model, but the general outlook is Model not greatly changed. We see the AAA corporate bond yield averaging 8.78% Explanation. The LBMC Corporate in 1991 and 8.18% in 1992. Bond Model is designed to LBMC's Corporate Bond Model forecast the yield Moody's AAA Bond Yield 10.6% of Moody's AAA 10.4% Corporate Bond 10.2% index. The AAA 10.0% 9.8% yield forecast is 9.6% based on a varying 9.4% markup over our 9.2% forecast for the 9.0% Treasury bond 8.8% yield. 8.6% 8.4% Latest. We've 8.2% made some techni- 8.0% cal improvements 7.8% 87 88 89 90 91 92 93 in our Corporate - LBMC Model + AAA Yield Lehrman Bell Mueller Cannon, Inc. October 1991 14 Economy Watch 3.3. The LBMC Liquidity Index in the past using this method has made as a Long-Term Stock Guide possible higher returns than buy-and- hold. For the chart below, buy-and-hold Explanation. The LBMC Liquidity would have yielded 286% in capital Index is a monthly indicator of li- gains (ignoring dividends and foregone quidity growth in the U.S. economy. interest), but following the Liquidity The banking system, led by the Fed, Index would have yielded 521%. supplies liquidity, while growth or in- flation "absorbs" liquidity. Between signals, the Long-Term Index is not intended as a guide for short-term in- The LBMC Liquidity Index serves vestments. For our near-term outlook, see as a useful guide for strategic stock the following section. investment. When the Liquidity Index turns positive, it acts as a major "buy" signal for stocks; when the Liquidity Latest. LBMC's Long-Term Liquidity Index turns negative, it acts as a Index shows liquidity still rising rapidly, major "sell" signal. but we expect it to fall over the next several months, largely due to year-to- The LBMC Liquidity Index gives year rises in output, which "absorb" relatively few buy and sell signals. But available liquidity. LBMC Liquidity Index & Stocks S Dow Jones Industrial Average 3.500 S 3.000 2.500 s S S 2.000 B B 1.500 1.000 B 0.500 B B 0.000 B -0.500 -1.000 -1.500 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 OCTOBER: 7.2% DJI ('000) + Index X 10 Forecast Lehrman Bell Mueller Cannon, Inc. Economy Watch 15 November 1991 3.4. LBMC Liquidity Index as a to eight months. Being based purely on Medium-Term Stock Guide liquidity, the index does not directly in- clude such influences on the stock market as valuation, taxation, leverage, Explanation. The Liquidity Index used exchange rates or investor expectations. in Section 3.3 as a long-term bull/bear market indicator can also be used to Latest. November's 120-point correc- gain important information about tion in a single day was unnerving, and shorter-term stock market moves. traditional valuation measures are on the high side. Nevertheless, because we In this section the LBMC Liquidity expect continued recovery and a larger Index is rescaled for comparison with bond rally over the next year, we are the year-on-year increase in the Dow raising our target for the Dow Jones In- Jones Industrials. The LBMC Liquidity dustrials, to peak at about 3,800 by the Index leads the stock market by about six end of 1992. LBMC Liquidity Index & Change in Stocks Index sized as regression on DJI y/y 60% 50% 40% 30% 20% 10% 0% -10% -20% -30% -40% 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 DJI y/y + Index, 8-mo lag Forecast Lehrman Bell Mueller Cannon, Inc. November 1991 16 Economy Watch LBMC's Yen/Dollar Signal Based on Yen/Dollar Trend Model 320 300 280 260 240 220 200 180 160 140 120 100 80 60 40 20 o 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 Yen/$ + LBMC Model Buy/sell Section 3.5. LBMC's Yen/Dollar Latest. We've recalibrated the model Forecast slightly, but the forecast is still for the dollar to decline to the low-120- yen Explanation. LBMC's Yen-Dollar range by mid-1992, then recover into Trend Model is designed to help deter- 1993. Despite November strength of the mine turning points in the yen/dollar ex- Deutschemark, which we did not an- change rate. The basic factors in the ticipate, fundamentals including forecast are central bank policy and the Germany's inflation problem still point terms of trade. The top graph shows to a rise of the dollar against the DM. how the model can be used as a buy/sell signal. A buy (or LBMC's Yen/Dollar Trend Forecast sell) is indicated when the Japanese Yen per U.S. Dollar 170 model's rate of change turns positive (or negative); the 160 zero line is shown here as 100. The graph below trans- 150 lates the economic fun- damentals of the model into 140 a forecast for the actual yen/dollar rate, taking into 130 account the "bandwagon ef- 120 fect" of trend-followers. The forecast "band" reflects the 110 confidence limits of a 1- 87 88 89 90 91 92 93 month-ahead forecast. October average: 130.77 LBMC forecast + Yen/$ Lehrman Bell Mueller Cannon, Inc. CAPITOLCOMMENT A TIMELY PERSPECTIVE ON CURRENT PUBLIC POLICY. No. 70 March 13, 1991 Economic / Taxes / Incentive starts STEWARDSHIP AND ECONOMIC GROWTH Just as campaigns for elected office are won and lost at the margins, so is long-term economic growth. Winning at the margins for economic growth may not seem like very much on a case-by-case basis. But the sum total of efforts to enhance productivity, investment, and savings will enrich everyone in the long run. Many advocates for policy change frequently ignore the effect their policy proposals have on the growth of gross national product (GNP), our broadest measure of prosperity. In the long-run, though, policy changes that result in seemingly small differences in the rate of economic growth will substantially change the well-being of future Americans. In many respects, the prosperity of future generations depends on good stewardship today. No one can precisely quantify the difference between economic policy that leads to stagnation (high taxation, over-regulation, and protectionism) and that which leads to growth (low taxation, deregulation, and free trade). But if we could, and the hypothetical difference was between a 2 percent versus a 4 percent GNP growth rate, many people would discount that difference as too small to worry about. But is it? Table 1 contrasts the effects of a 2 and 4 percent growth rate on the standard of living of our children and grandchildren. If misguided economic policy leads to only 2 percent growth annually through 2016, our children would have a standard of living 63.5 percent above ours today. Table 1 THE STEWARDSHIP EFFECT: COMPARISON OF GNP GROWTH RATE OVER TIME Example of 2 percent vs. 4 percent real GNP growth rate in 25 year intervals (constant 1991 dollars) 2 percent rate 4 percent rate of GNP growth of GNP growth Percentage Year (in billions) (in billions) Difference 1991 $5,521.3 $5,521.3 0.0 2016 $9,026.2 $14,677.2 62.6 2041 $14,776.5 $39,085.5 164.5 Citizens for a Sound Economy 470 L'Enfant Plaza, SW, East Building #7112, Washington, D.C. 20024, (202) 488-8200 2 But if our annual rate of growth is 4 percent, their standard of living would be 165.8 percent greater than today's, or 62.6 percent better than if the economy grows at 2 percent. When our grandchildren come of age, an economy expanding at 4 percent annually would provide over two-and-one-half times the standard of living than an economy growing at only 2 percent each year. No single piece of legislation can guarantee a high rate of economic growth; there is no silver bullet. But the following legislative initiatives would make a difference at the margin, thereby letting the economy grow at a healthier rate. o LOWER TAXES ON LABOR. The Wallop-DeLay-Tallon bill (S. 381/ H.R. 960) would cut the Social Security payroll tax rate until Social Security tax revenues fall to match Social Security expenditures. Such a tax cut would lower the marginal tax rate for working people and cut the cost of hiring additional workers, leading to increased employment. o LOWER THE TAX ON CAPITAL GAINS. High capital gains tax rates raise the cost of capital to American businesses, discourage investment, and hurt economic growth. The Wallop-DeLay-Tallon bill cuts the maximum capital gains tax rate from 28 percent to 15 percent; it also reduces the capital gains rate to 7.5 percent for those in the 15 percent income tax bracket. o LOWER TAXES ON SAVING. Economists agree that the level of saving in an economy is one of the crucial determinants of its health. The Wallop-DeLay-Tallon bill would create an attractive savings vehicle called "IRA-Plus" accounts. o CAP THE GROWTH RATE OF OVERALL FEDERAL SPENDING AT 4 PERCENT ANNUALLY. If the "4 Percent Solution" had been implemented in fiscal year 1983, we would be running a surplus in the budget and the national debt would be one-third its size. Congress should pass legislation similar to last year's Burns-Armey-Kasich bill. o HOLD THE LINE AGAINST THE RISING TIDE OF MANDATED BENEFITS. The costs of mandated benefits are a substantial burden on the economy. Mandated benefits distort markets while hampering America's ability to compete. o PRESS TOWARD ESTABLISHING A NORTH AMERICAN FREE TRADE ZONE. Increased trade would create jobs in U.S. industries by expanding exports and would cut consumer costs through cheaper imports. J. Marc Wheat Director of Tax & Budget Policy POLYCONOMICS, INC. I Political and Economic Communications November 7, 1991 WORRIED ABOUT GREENSPAN Yesterday morning's discount rate cut left the long Treasury bond just marginally higher after an initial rally. The dissipation of the bond's early gains seems to have coincided with news that Federal Reserve Governor Wayne Angell disagreed with the decision. Governor John LaWare also resisted the easing, according to press reports this morning, but ultimately voted with the majority. Forcing the federal funds rate below 5% makes no economic sense at this point, and raises fears that Chairman Greenspan has succumbed to political pressures. U.S. bonds and stocks are vulnerable to a substantial downward correction if the global market perceives a shaky hand at the monetary rudder. The market is now especially vulnerable Gold Price VS. Long Bond Yield because investors have given May 1 through November 1 the Fed Governors the 8.7 380 benefit of the doubt during 8.6 the past six weeks, buying 6/12 375 bonds at a higher price than 8.5 370 the behavior of the gold 8.4 price would dictate. As the 8.3 365 adjoining chart shows, 10/10 bonds and gold tracked each 8.2 360 other with great precision 9/30 8.1 355 from early May to mid- 8 September. After that, the 350 bond yield continued to fall, 7.9 345 while the gold price 7.8 stabilized and rose slightly. 7.7 340 Investors were willing to 7.6 335 buy bonds at a premium Long Bond Yield Gold Price relative to goid for two reasons. First, the market came to expect that the Fed Governors would take action to keep the gold price within a narrow trading range; that is, it responded not only to the absolute level of the gold price but to its volatility, as we have noted on various past occasions. Second, global investors anticipated that a recovery of the dollar would provide capital gains in dollar bonds, and the anticipated rise of the dollar was factored into bond prices. Most of the discrepancy between the predicted and actual bond yield, our studies show, may be attributed to expected changes in the dollar's value against foreign currencies. The global market will buy dollar bonds when the dollar seems cheap against foreign exchange, i.e., when the market expects future dollar appreciation, and vice versa. The market will also purchase dollars when dollar bonds seem cheap, and vice versa. Examining this relationship helped us identify the February trough and June peak of the dollar (FYI's, 2-11-91 & 6-13-91). One might well ask why investors would buy bonds rather than dollar options in expression of this expectation. The answer is that the timing of expectations is often uncertain. Whereas currency options require precise timing, relative shifts in bond portfolios do not. 86 Maple Avenue Morristown, N.J. 07960 (201) 267-4640 FAX (201) 539-4025 If expectations of a dollar rally evaporate, the long bond will be in for big trouble. The long bond yield fell to a low of 7.78% on October 7, when the dollar stood close to its four-month low. The dollar had just begun to recover when Treasury Secretary Nicholas Brady turned up in Tokyo en route to the Bangkok International Monetary Fund meeting and demanded that the Japanese engineer an appreciation of the yen against the U.S. dollar, supposedly to benefit the U.S. balance of trade position. Brady's attempt to devalue the dollar marked the end of the bond rally, as we warned at the time ["Budget Agreement: Breaking the Ice," 10-8-91]. "Relative Bond Price" vs. Dollar Index The adjoining chart May 1 through November 1 summarizes the way in 97 which the global market factors currency 96 expectations into the price 95 of the long bond. The horizontal axis shows the 94 Dollar Index actual bond price as a 93 percentage of the predicted bond price (based on the 92 gold-bond correlation). When this measure stands 91 9/20 9/80 above 100%, bonds are 10*10 90 cheap in terms of gold (the bond yield is lower and the 89 97% 98% 99% 100% 101% 102% 103% 104% 105% bond price is higher than the Bond Price Relative to Gold gold price would predict it Five-Day Moving Average of Daily Data would be). When the index. stands below 100%, bonds are expensive relative to gold. The vertical axis shows the dollar's value, according to the Morgan Guaranty Trust dollar index. After the dollar fell from its June peak of about 96-98 on the dollar index to 90-92 in October and November (as shown in the dates marked in the chart), global investors were willing to buy dollar bonds at a premium with respect to the gold price, anticipating capital gains as the dollar recovered. Referring back to the first chart you will see where the lines representing the gold price and the bond yield diverge in late September. During the period from May through mid-September, as shown in the dates marked on that chart, the bond yield followed the gold price quite closely, that is, the actual bond price corresponded to the "predicted" bond price. From mid-September through the present, the actual bond price has exceeded the predicted bond price, due to the market's expectations of dollar appreciation, as noted above. If the Board of Governors thwarts these expectations, and leads the market to believe that the dollar will continue to weaken, investors will deduct the currency factor from the bond price, pushing the long bond yield to 8.20% or even higher. Chairman Greenspan is playing with dynamite when he encourages the market to believe that he is conducting monetary policy on behalf of George Bush's political criteria. We hope that no such thing is the case. With no clear assurances from the Board of Governors, though, we can only recommend caution. David Goldman POLYCONOMICS, INC. Political and Economic Communications November 11, 1991 ECONOMIC OUTLOOK: A MARKET-BASED GROWTH EXPECTATIONS INDEX A new index of the stock market's growth expectations shows the economy dead in the water, with the market anticipating neither economic growth nor decline. (An index level of 1 means no change with respect to the starting date of August 1, 1990, when real GNP growth was crawling along at 1%). By this index, the market's growth expectations hit bottom just before Operation Desert Storm began in January, and peaked last August before heading back to the 1.0 mark. Our measure has important political implications: it forecasts a likely election defeat for President Bush next year, and corroborates the views of those in the administration, e.g., HUD Secretary Kemp, who argue that action is necessary to stimulate growth. The President's economic advisors have told him that the 2.5% growth they expect will be more than sufficient to ensure his re-election. As matters stand, even 2.5% real growth appears unlikely between mid-1991 and mid-1992. Economic Growth Expectations Index As Measured by Stock and Bond Markets 1.08 1.06 1.04 6/91 1.02 1 8*90 10/90 10/91 0.98 0.96 12/90 0.94 0.92 8/1/90 through 11/1/91 Chart 1 Market-based models of the kind shown in the above chart work well only under highly specific circumstances; this one depends upon the peculiar effect of inflation on the real rate of capital gains taxation. In the present tax and monetary environment, the problem is to distinguish between the effect of growth expectations and inflation expectations upon securities prices. We have always believed that stock prices provide the best index of growth expectations. Earlier this year, we documented the stock market's uncannily precise ability to forecast the relative strength of economic recoveries during the past three decades, ["Economic Outlook: Will Easier Money Help the Economy Recover?" 5-9-91]. The growth of real stock prices during the first year of each recovery corresponded closely to real economic growth during the last four recoveries. Today's high rate of taxation of nominal capital gains, though, makes it harder to infer growth expectations from stock prices. As we have emphasized, most of the change in stock prices during the past year simply reflects changing inflation expectations. Lower expected inflation equals a lower expected real tax rate on capital gains, and thus higher asset prices. The correlation between changing inflation expectations (i.e., the gold price) and stock prices has been so strong that it is hard to know how much of the movement of stock prices should be attributed to changes in expectations of real economic growth, as opposed to inflation. 86 Maple Avenue Morristown, N.J. 07960 (201) 267-4640 FAX (201) 539-4025 Gold Price VS. Stock and Bond Prices Change since Dec. 1, 1990 120% 115% 110% 105% 100% 95% 90% 85% 10-Day Average of Daily Data Gold Price Average of Change of Stock and Bond Prices Correlation = 84% Chart 2 The above chart shows the change in the gold price against the average of the change of the Wilshire 5000 index and the Shearson-Lehman index of government bond prices. Comparing the change of stock and bond prices, respectively, against the gold price, makes it possible to factor out inflation expectations from growth expectations, and construct a more-or-less "pure" index of growth expectations. As the chart shows, the average change of stock and bond prices shows an extremely close correspondence to changes in the gold price. As gold rises, stock and bond prices fall, and vice versa. The correlation is 84%, a nearly perfect fit. Remarkably, the correlation between gold prices and the combination of stock and bond prices is much higher than for either stock or bond prices individually. That, in fact, is what theory would predict. Stock prices reflect not only inflation expectations, but growth expectations; thus, the correspondence of stock prices to a "pure" measure of inflation expectations (gold) should be less than 100%. Bond prices also reflect growth expectations, albeit negatively. When investors expect higher growth, secured lenders (bondholders) are able to demand a higher rate of return. Real interest rates rise, and bond prices fall. Rising growth expectations have a negative effect on bond prices and a positive effect on stock prices; the average of both prices therefore tends to cancel out the effect of growth expectations, leaving an almost pure reaction to inflation expectations, and a very high correlation with the gold price. To isolate the growth component of stock and bond prices, we first took the linear regression of gold vs. stock and bond prices, and then reconstructed the expected inflation (gold price) predicted by the correlation with stock and bond prices, respectively. The ratio of the inflation predicted by stock and bond prices, respectively, as shown in Chart 1, is the market's anticipation of economic growth or decline; the inflation component is eliminated from the change of stock and bond prices, leaving as a residual their response to anticipated economic growth. David Goldman Bell Mueller Cannon, Inc. Lewis E. Lehrman Frank Cannon Chairman Managing Director Jeffrey Bell LBMC Report Ralph Benko President Vice President October 25, 1991 John Mueller Charlie Reid Vice President Research Director Chief Economist The Black Republican Surge Conclusions of importance to business and investors: The major unreported fallout of the Clarence Thomas confirmation struggle is a surge toward George Bush and the Republican Party among black voters. Elements of the political and media elite are well aware of this trend, but have different reasons for failing to publicize the data in their own national polling. Liberals are hoping that black anger at Democrats is a temporary phenomenon, quickly reversible by Republican stumbles on civil rights and/or economics. Elated White House strategists, in contrast, are rushing to compromise on the pending civil rights bill while renewing the attack on the congressional handling of the Thomas nomination before the public is able to focus on the new polling. Two additional fallouts: impending further demoralization in Democratic presidential ranks, and a desire among Democrats in Congress to change the subject toward the economy via passage of a broad-based tax cut in 1992. During the electrifying struggle over No one watching network television or the Supreme Court confirmation of reading the op-ed pages could be Clarence Thomas, the one thing con- blamed for believing this to be true of ventional wisdom "knew" was that the public opinion in the nation at large. political fallout would divide along If televised reactions and high-profile gender lines. Men would be more opinion and analytical writing were tolerant of the sexual harassment char- either the engine or the reflection of ges being brought by former Thomas public opinion, the gender gap would assistant Anita Hill, while women, be wider than ever and Democrats drawing on their own experiences and would have a superb new "women's those of their friends, would tend to issue" for the 1992 campaign. believe Ms. Hill and turn their wrath on male politicians such as President Within days, political and media elites Bush and the members of the Senate knew from their polling that nothing Judiciary Committee. of the kind had happened. Women's 2111 WILSON BLVD., SUITE 416, ARLINGTON, VA 22201 Phone (703) 243-6955 Fax (703) 841-9146 LBMC Report 2 October 1991 support for the Thomas nomination White House ears. Little wonder that was a little less than men's support, in the first full week following Thomas's but still overwhelming. President Bush October 15 confirmation, Bush and his was doing better among men than top aides devoted the bulk of their women against his potential Democratic efforts to an attack on Thomas's opponents, but not much better. The treatment by the Senate and to finding gender gap is somewhat less than it a compromise on civil rights acceptable was under Ronald Reagan and not to Senate liberals--not to an attempt statistically different from Bush's victory to craft an Administration growth over Michael Dukakis in 1988. package in response to the flood of new Democratic tax cut proposals. What leapt out at Washington's insiders With the Republican surge among was Bush's strength among blacks. In pro-Thomas blacks, the last thing the a fresh Gallup match-up against his Administration wants is a change of best-known potential opponent, New subject. Especially not to a subject York Governor Mario Cuomo, Bush where Washington's civil rights lobbyists wins 44 percent of the black vote would have a chance to portray Bush against Cuomo's 46 percent. In 1988 as insensitive to blacks. among the same voters, Dukakis defeated Bush by 88 to 10 percent, For the Democrats, alienation from according to ABC's exit poll. black voters is their worst nightmare. Blacks have been the unassailable Put another way, in 1988 Bush won 54 Democratic base vote in the vote-rich percent of all voters and 10 percent Northern and Western swing states among blacks. The disparity between (Illinois, Michigan, California, etc.) blacks and Americans as a whole in which Democrats must carry to ever degree of Republican support apparent- regain the Presidency. If Republicans ly has shrunk from 40-50 percent in became competitive with black voters, the Reagan-Bush years to under 20 Democrats would need a share of the percent now. white vote comparable to their showings in such landslide years of the past as Looked at still another way, Bush has 1936 and 1964. roughly as many white voters leaning his way against Cuomo as he got on Democratic presidential candidates election day against Dukakis. Most of have every reason to hope that the his national gain (from 54 percent in Thomas controversy passes quickly from 1988 to 63 percent now) comes from the news. But even after it does, the a quadrupling of his support among Bush campaign will find it easy enough blacks. to resurrect: all six declared candidates for the Democratic nomination went At a time when Bush is under growing on record as opposed to the Thomas fire for his focus on foreign policy at nomination. The best-known un- the expense of such domestic issues as decided candidate, Mario Cuomo, not the economy, the post-Thomas numbers only opposed Thomas but attacked coming in from Gallup and other pollsters have provided sweet music to Democratic members of the Judiciary Committee for not questioning Thomas October 1991 3 LBMC Report more aggressively. Given Thomas's to want to talk about was tax-cut firm support among white voters and packages, some of them quite large. even stronger approval among blacks, it is safe to say that Cuomo has not As we predicted at the beginning of heard the last of this issue should he this Congress (LBMC Report, February decide to run. 1991, "The Next Tax Bill"), the in- gredients are coming together for a Democratic congressional incumbents broad-based package of stimulative tax will not spend much time mulling over cuts, including pro-family tax relief, the effects of the Thomas fight on their IRA expansion, and capital gains presidential candidates. A weak top reform, probably paid for by some of the ticket endangered few combination of defense cuts and Democratic incumbents in 1984 or 1988. loophole plugging. Democrats have Their greatest fear is that the public every interest in shifting toward an is beginning to focus on disapproval of issue (the economy) that has been a Congress as an independent issue. severe Bush weakness, and once tax Within hours after Bush's call for an legislation picks up steam (probably in independent counsel to investigate the the first half of next year) the Ad- Thomas leaks, the Senate had passed ministration will have every interest in a similar resolution. In the wake of coming to a compromise that will go publicity on check kiting and unpaid a long way toward taking the economic restaurant bills, the last thing Congress issue out of presidential politics. If needs is to look obstructionist on this happens, the big loser will be the tracking down the leaks on Thomas. Democratic presidential nominee. But in the post-1968 era of split government, What congressional Democrats do need that has never much bothered congres- is a change of subject. It was no sional Democrats, and in this regard accident that for ten full days after the 1992 should be no exception. Thomas vote, all Democrats seemed SNPA Southern Newspaper Publishers Association P.O. Box 28875 / Atlanta, Georgia 30358 / (404) 256-0444 SOUTHERN NEWSPAPER PUBLISHERS ASSOCIATION Members are 420 daily newspaper owners and publishers in 15 Southern states. SNPA is headquartered in Atlanta. This is our 88th annual meeting. 560 delegates are present. President: Ashton Phelps, Jr., publisher, The New Orleans Times- Picayune. (Ashton and the President have played tennis). Other officers and directors attached. SNPA, through its charitable foundation, provides a wide of staff members throughout the South. informational and educational services to newspapers and range their MAIN ISSUES THAT CONCERN SOUTHERN NEWSPAPERS 1. Regional Bell Operating Companies and their monopolization of electronic information services. This is our MAJOR issue. We will be discussing it and H.R. 3515 - The Cooper Bill. 2. in recent history in 1990 and 1991. We'll be discussing how we can The Economy. Newspapers have had the worst two financial years survive as strong, vibrant businesses despite this situation. 3. Press coverage of minority issues - how can we do it better? to homes in our areas. 4. Diversifying our services by delivering non-newspaper products We will also be discussing journalism education and personnel issues, including employee health care. OTHER ITEMS OF INTEREST Monday, November 18. Defense Secretary Cheney will have visited and spoken to us on William Dillard, founder of Dillard Stores (Little Rock, Arkansas) was also a featured speaker. Other special guests include Edward DeBartolo, one of the largest developers in the United States and Forum. Al Neuharth, founder of USA TODAY and Chairman of the Freedom Printed on Aneyclad Paper THE WHITE HOUSE WASHINGTON President Campaign 92 Date: 12/02/91 TO: FROM: Special DAVID Director, TONY Assistant M. SNOW CARNEY Office J of Poltical to the President and Affairs FYI. I thought you might be interested in the attached newsletter which was forwarded to this office by Thomas Schwieger, President of the Greater Manchester (NH) Chamber of Commerce. NEWS GREATER PROVIDENCE CHAMBER OF COMMERCE Startling Number of Businesses in New England Exploring Relocation Potential President Bush Called "Not Responsive" to Region's Problems November 21, 1991 Contact: Laurie White 11 a.m. Release Sandi Seltzer 521-5000 An extensive survey of businesses throughout New England has found that an alarming 40 percent have considered relocating outside the six-state region. The study also finds that the vast majority of companies have no plans to expand their workforce over the next six months— both ominous signs for a region battered by the ongoing recession. Those are among the results of an economic outlook survey conducted by the New England Association of Chamber of Commerce Executives in conjunction with Research Results/The Survey Center Inc., based in Leominster, Massachusetts. During the month of October, 55,662 companies belonging to 69 chambers of commerce throughout the region were questioned on such issues as the credit crunch, the recovery timetable and President Bush's responsiveness to the unique economic needs of New England. Approximately 8,270 completed surveys were tabulated from companies employing more than 625,000 workers. The study has a margin of error of plus or minus 2 percent. 30 Exchange Terrace Providence, Rhode Island 02903-1793 (401) 521-5000 NEW ENGLAND ASSOCIATION OF CHAMBER OF COMMERCE EXECUTIVES NOVEMBER 21, 1991 "The survey reveals that the New England business community is quite pessimistic about the region's prospects for recovery," said James G. Hagan, president of the Greater Providence Chamber of Commerce and president of the New England Association of Chamber of Commerce Executives. "In fact, the level of pessimism is so profound that four out of every ten businesses who responded to our survey have considered relocating their operation outside New England. This should send a wake-up call to our elected officials that there are some real public policy inadequacies that need to be addressed region-wide." Businesses based in Rhode Island, Connecticut and Massachusetts register the strongest potential for relocation. They cite high taxes, high workers compensation costs, a poor government attitude toward business, and the anemic economy as among the reasons for their dissatisfaction. On a positive note- the availability of skilled and unskilled labor, quality telecommunications services, first-class institutions of higher education, and an abundance of cultural opportunities are among the factors that make New England a desirable place to do business, according to the survey data. When asked about the short-term prospects for the economy, the average respondent believes the current New England recession will continue for another 19 months. A mere 14 percent anticipate their state's economy will improve in the next year, while 32 percent expect further deterioration. Fifty-four percent say the economy will stay about the same. Respondents from Maine and Vermont are slightly more optimistic and predict, on average, that the recession will last another 17 months. Companies based in Connecticut-where a personal income tax was recently instituted-are the least optimistic. 2 NEW ENGLAND ASSOCIATION OF CHAMBER OF COMMERCE EXECUTIVES NOVEMBER 21, 1991 OTHER FINDINGS: An overwhelming 73% of survey respondents say President Bush "has not been responsive" in resolving New England's unique economic problems; 26% say they believe he has been "somewhat responsive," while 1% characterize his actions as "very responsive." Only 16% plan to expand their workforce in the next six months; 77% say they will not hire additional workers; 7% don't know. 49% say their company's financial position is "worse" today than it was a year ago; 23% say it is "better"; 28% say it is "no different." Less than one-quarter, 24%, plan to expand their plant/facility or make any significant capital expenditures in the next two years; 50% have cancelled or postponed significant capital expenditures inthe past six months. 69% say the current economic downturn is the "worst" they have ever experienced; 14% say it is the "same"; 4% believe it is "milder"; 13% don't know. 82% think now is a good time to buy a home; 53% feel it is a good time to buy a car; and 45% believe it is an opportune time to buy commercial real estate. Much has been written about the New England credit crunch: 61% of businesses responding say they have not been "unjustly denied" credit; 39 percent, however, believe they have been unjustly deniedcredit due to tightened lending standards. 86% say it is more difficult now to obtain a commercial loan. Respondents from Maine and Vermont report somewhat less difficulty in obtaining commercial loans. - 3 - NEW ENGLAND ASSOCIATION OF CHAMBER OF COMMERCE EXECUTIVES NOVEMBER 21, 1991 63% are in favor of extending state loan guarantee programs to help alleviate the credit supply problems of businesses in need of short and medium term financing. Only New Hampshire is rated by a majority of respondents as being a "pro-business" state. Connecticut is viewed as the most "anti-business" state. 79% of companies responding offer health care coverage to their employees; 42% pick up the entire cost. 59% support the creation of a New England business promotion office in Europe. 63% feel the labor union movement has too much influence over public policy decision making in New England. The project was underwritten by Fleet/Norstar Financial Group, the certified public accounting firm of KPMG Peat Marwick, and the law firm of Hinckley, Allen, Snyder & Comen. ######### New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE ECONOMIC OUTLOOK Question 1: How much longer do you expect the current New England recession to last? 1 6 6 - 12 1 - 22 - 3 > 3 BASE: MONTHS MONTHS YEARS YEARS YEARS Your Chamber 131 4% 16% 45% 23% 12% Your State 708 5% 21% 47% 19% 8% New England 7940 5% 23% 47% 18% 8% Question 2: In terms of your state's economy over the next twelve months, do you expect it to. .? STAY ABOUT BASE: IMPROVE THE SAME DETERIORATE Your Chamber 135 13% 51% 36% Your State 717 15% 56% 29% New England 8222 14% 54% 32% Question 3: Does your company plan on expanding its workforce within the next six months? DON'T BASE: YES NO KNOW Your Chamber 135 26% 68% 6% Your State 721 19% 74% 6% New England 8216 16% 77% 7% Question 4: Do you think that now is a good time to buy ... a home, a car, commercial real estate? COMMERCIAL NONE OF BASE: HOME CAR REAL ESTATE THE ABOVE Your Chamber 134 80% 53% 51% Your State 13% 714 83% 53% 53% 12% New England 8160 82% 53% 45% 13% Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE ECONOMIC OUTLOOK Question 5: Do you feel that your company is in a better position financially, no different, or in a worse position financially than it was a year ago? BETTER NO WORSE BASE: POSITION DIFFERENT POSITION Your Chamber 134 28% 36% 37% Your State 718 28% 30% 42% New England 8187 23% 28% 49% Question 6: Does your company plan on expanding its physical plant or making any significant Question 7: capital expenditures in the next two years? capital expenditures due to the continued downturn in the economy? In the last six months, has your company cancelled or postponed any significant Q6 Q7 DON'T BASE: YES NO BASE: YES NO KNOW Your Chamber 135 28% 72% 135 49% 50% Your State 1% 718 26% 74% 722 47% 50% New England 3% 8193 24% 76% 8215 50% 46% 3% Question 8: From a business perspective, please compare the current recession to other economic downturns you have experienced. MILDER DON'T BASE: WORST SAME THAN OTHERS KNOW Your Chamber 135 74% 10% 3% 13% Your State 720 70% 13% 3% 14% New England 8212 69% 14% 4% 13% Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE CREDIT & FINANCE Question 1: Much has been written about the "New England credit crunch. II Has your where you believe credit was unjustly denied? business actually experienced tightened lending standards to the point BASE: YES NO Your Chamber 130 43% 57% Your State 695 41% 59% New England 7869 39% 61% Question 2: In general, do you feel it has become more difficult, somewhat more difficult or not difficult at all for your business to obtain a commercial loan? MUCH MORE SOMEWHAT MORE NOT DIFFICULT BASE: DIFFICULT DIFFICULT AT ALL Your Chamber 123 47% Your State 44% 649 9% 47% New England 42% 7401 12% 44% 42% 14% Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE NEW ENGLAND'S COMPETITIVENESS QUOTIENT Question 1: Corporate executives and site selection consultants evaluate a host of issues when looking for the areas, and how you feel New England as a whole compares with other regions of the country. ideal place to situate a business. Please indicate how you feel your State rates in the following RESULTS FOR YOUR CHAMBER Your State New England EXC/ EXC. GOOD FAIR POOR BASE EXC/ EXC. GOOD FAIR POOR GOOD (4) (3) (2) (1) MEAN BASE GOOD (4) (3) (2) (1) MEAN WORKFORCE ISSUES Availability of skilled labor 130 88% 42% 45% Availability of unskilled labor 12% 1% 3.29 114 94% 52% 128 42% 86% 6% 41% 45% - 3.46 Labor costs 13% 1% 3.26 113 87% 35% 51% 123 48% 12% 10% 38% 2% 3.20 45% Union atmosphere 7% 2.50 108 41% 5% 36% 116 58% 48% 16% 11% 2.34 41% 25% 17% 2.57 104 38% 3% 35% 51% 12% 2.29 INFRASTRUCTURE NEEDS Telecommunication services 118 86% 42% 44% 12% Highway accessibility 2% 3.27 104 95% 46% 127 49% 88% 5% 34% 54% 3.41 Railroad service 9% 2% 3.20 109 92% 33% 119 59% 20% 8% 6% 14% 23% 3.25 Airport service 57% 1.69 106 47% 8% 40% 128 67% 32% 23% 45% 27% 21% 2.34 Port accessibility 6% 2.84 111 82% 32% 117 50% 44% 15% 8% 36% 3% 3.11 Technology concentration 38% 18% 2.33 104 77% 20% 116 57% 67% 19% 17% 50% 27% 4% 2.93 6% 2.78 105 92% 47% 46% 5% 3% 3.36 PUBLIC POLICY ISSUES Government tax incentives 120 23% 6% 18% 41% Attitude toward business community 36% 1.93 99 17% 2% 15% 124 58% 54% 12% 42% 25% 1.94 34% Environmental regulation 12% 2.54 105 41% 3% 38% 122 50% 54% 6% 48% 9% 2.35 Corporate tax structure 37% 9% 2.51 103 46% 4% 42% 123 43% 33% 4% 29% 12% 2.38 41% 25% 2.12 102 22% 1% 21% 63% 16% 2.07 FINANCIAL Availability of Long term financing 112 13% - 13% Access to working capital 40% 46% 1.67 97 15% 1% 14% 114 51% 11% 34% 1.82 - Housing costs 11% 42% 47% 1.63 98 8% 1% 126 7% 33% 54% 5% 38% 1.71 Workers compensation costs 29% 44% 23% 2.15 105 22% 5% 124 17% 19% 52% 1% 18% 26% 2.01 Health care costs 48% 34% 1.85 103 17% 1% 126 16% 6% 47% 37% 1.81 I Commercial/industrial property costs 6% 45% 48% 1.58 104 4% 123 1% 3% 40% 40% 7% 33% 56% 1.49 Overall cost of living 43% 17% 2.30 104 29% 127 5% 24% 35% 56% Energy costs 3% 32% 15% 2.18 46% 18% 2.20 107 12% 3% 121 9% 10% 64% 1% 23% 1.92 9% 50% 40% 1.70 102 8% , 8% 64% 28% 1.79 QUALITY OF LIFE ISSUES Crime 124 70% 18% Health care accessibility 52% 23% 7% 2.81 105 31% 3% 129 78% 29% 24% 50% Public school facilities 54% 19% 19% 2.15 3% 2.99 110 76% 129 34% 43% 67% 19% 13% Higher education facilities 54% 25% 5% 3.05 8% 2.73 110 66% 8% 129 78% 58% 23% 28% 55% 21% 5% 2.69 Cultural opportunities 1% 3.01 110 95% 56% 129 66% 39% 11% 5% 55% 25% 9% 2.67 3.52 110 94% 51% 43% 5% 2% 3.43 Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE NEW ENGLAND'S COMPETITIVENESS QUOTIENT Question 1: Corporate ideal place executives to and site selection consultants evaluate a host of issues when looking for areas, you feel New England as a whole compares with other regions of the country. and how situate a business. Please indicate how you feel your State rates in the following the RESULTS FOR YOUR STATE Your State New England EXC/ EXC. GOOD FAIR POOR BASE GOOD EXC/ EXC. GOOD (4) (3) (2) FAIR (1) POOR MEAN BASE GOOD (4) (3) (2) (1) MEAN WORKFORCE ISSUES Availability of skilled labor 690 84% Availability of unskilled labor 35% 49% 14% 2% 3.17 599 677 90% 43% 47% 9% 2% 3.31 Labor costs 84% 36% 49% 14% 2% 3.19 588 677 83% 52% 31% 52% 9% 43% 39% 15% 9% 2.52 2% 3.13 Union atmosphere 586 598 39% 49% 4% 14% 35% 35% 35% 47% 16% 2.47 13% 2.30 532 36% 5% 31% 48% 15% 2.27 INFRASTRUCTURE NEEDS Telecommunication services 624 85% Highway accessibility 31% 54% 13% 3% 3.13 538 674 93% 77% 37% 30% 56% 48% 17% 7% 5% 3.02 1% 3.29 Railroad service 576 640 88% 18% 30% Airport service 4% 58% 14% 32% 11% 50% 1.72 2% 3.16 559 671 40% 42% 6% Port accessibility 10% 31% 34% 38% 39% 20% 2.32 21% 2.26 573 636 49% 76% 13% 20% 37% 56% 21% Technology concentration 34% 16% 2.46 3% 2.92 555 610 59% 72% 19% 12% 47% 53% 32% 24% 10% 2.60 4% 2.86 536 87% 34% 53% 10% 3% 3.19 PUBLIC POLICY ISSUES Government tax incentives 636 22% 4% Attitude toward business community 19% 39% 39% 1.88 529 661 22% Environmental regulation 45% 2% 9% 36% 20% 37% 51% 18% 2.37 27% 1.98 551 654 40% 46% 4% 2% 42% 38% 38% 45% 15% 2.28 Corporate tax structure 15% 2.35 543 633 27% 43% 1% 3% 24% 42% 41% 42% 33% 1.97 15% 2.30 529 24% 1% 23% 57% 19% 2.05 FINANCIAL Availability of long term financing 614 19% - Access to working capital 19% 43% 38% 1.81 507 Housing costs 609 18% 21% - 18% 21% 44% 49% 38% 1.80 30% 1.91 500 667 19% 1% 19% 50% 31% Workers compensation costs 32% 5% 27% 44% 24% 2.14 1.89 543 653 16% 24% 3% Health care costs 1% 15% 22% 45% 48% 39% 1.78 28% 2.00 665 526 9% 12% 1% 12% - 9% 37% 49% 54% 1.55 38% 1.75 Commercial/industrial property costs 536 643 34% 9% - 5% 28% 9% 43% 38% Overall cost of living 24% 2.15 54% 1.55 665 527 25% 3% Energy costs 35% 3% 32% 23% 45% 50% 20% 2.18 24% 2.04 646 545 17% 17% 1% 1% 15% 17% 45% 57% 39% 1.79 26% 1.92 531 17% - 17% 52% 31% 1.86 QUALITY OF LIFE ISSUES Crime Health care accessibility 660 76% 23% 53% 19% 5% 2.94 550 Public school facilities 680 74% 32% 21% 3% 53% 29% 22% 49% 4% 2.91 19% 2.16 681 566 68% 76% 14% 30% Higher education facilities 54% 45% 25% 20% 7% 2.75 4% 3.01 682 567 76% 63% 26% 10% Cultural opportunities 51% 54% 20% 32% 3% 2.99 5% 2.68 672 569 60% 93% 15% 55% 44% 37% 32% 6% 8% 2.67 1% 3.47 563 92% 46% 46% 7% 2% 3.36 Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE NEW ENGLAND'S COMPETITIVENESS QUOTIENT Question 1: Corporate executives and site selection consultants evaluate a host of issues when looking for the ideal place to situate a business. Please indicate how you feel your State rates in the following areas, and how you feel New England as a whole compares with other regions of the country. RESULTS FOR NEW ENGLAND Your State New England EXC/ EXC. GOOD FAIR POOR EXC/ EXC. GOOD FAIR POOR BASE GOOD (4) (3) (2) (1) MEAN BASE GOOD (4) (3) (2) (1) MEAN WORKFORCE ISSUES Availability of skilled labor 7783 79% 34% 45% 17% 4% 3.09 6514 86% 32% 54% 12% 2% 3.17 Availability of unskilled labor 7624 82% 31% 51% 16% 2% 3.10 6376 82% 26% 56% 16% 2% 3.06 Labor costs 7583 28% 4% 24% 44% 27% 2.05 6303 30% 3% 27% 51% 19% 2.14 Union atmosphere 6877 23% 4% 18% 43% 35% 1.92 5817 24% 2% 21% 49% 27% 2.00 INFRASTRUCTURE NEEDS Telecommunication services 7225 88% 37% 51% 10% 2% 3.23 5918 91% 34% 57% 8% 1% 3.24 Highway accessibility 7646 79% 31% 48% 16% 5% 3.06 6197 85% 26% 58% 13% 2% 3.09 Railroad service 7278 38% 9% 29% 35% 27% 2.19 5953 46% 8% 38% 38% 16% 2.37 Airport service 7567 61% 15% 45% 29% 10% 2.66 6135 67% 14% 53% 28% 5% 2.75 Port accessibility 6934 60% 17% 43% 27% 13% 2.63 5763 67% 14% 53% 28% 5% 2.76 Technology concentration 6923 68% 27% 41% 24% 8% 2.88 5730 82% 26% 56% 15% 3% 3.05 PUBLIC POLICY ISSUES Government tax incentives 7221 8% 1% 7% 33% 59% 1.50 5659 17% 1% 16% 47% 36% 1.81 Attitude toward business community 7552 18% 2% 16% 38% 43% 1.76 5852 28% 1% 27% 48% 24% 2.06 Environmental regulation 7449 29% 3% 26% 40% 30% 2.02 5803 32% 2% 30% 47% 20% 2.14 Corporate tax structure 7213 11% 1% 10% 44% 46% 1.65 5608 18% 1% 17% 54% 29% 1.90 FINANCIAL Availability of long term financing 7020 18% 1% 17% 45% 36% 1.83 5392 21% 1% 20% 49% 30% 1.92 Access to working capital 6888 17% 1% 16% 46% 37% 1.81 5288 21% 1% 20% 49% 30% 1.92 Housing costs 7557 19% 2% 17% 41% 40% 1.82 5735 23% 2% 21% 49% 28% 1.96 Workers compensation costs 7509 6% 1% 5% 22% 73% 1.34 5652 10% - 9% 41% 49% 1.61 Health care costs 7578 4% - 4% 22% 74% 1.30 5717 7% - 7% 34% 59% 1.48 Commercial/industrial property costs 7409 20% 2% 18% 48% 32% 1.90 5635 24% 2% 22% 51% 25% 2.01 Overall cost of living 7583 13% 1% 12% 46% 41% 1.73 5735 17% 1% 16% 52% 31% 1.87 Energy costs 7357 10% 1% 10% 45% 45% 1.66 5603 15% 1% 14% 49% 36% 1.80 QUALITY OF LIFE ISSUES Crime 7501 38% 8% 30% 38% 23% 2.24 5835 40% 3% 36% 44% 16% 2.26 Health care accessibility 7704 72% 25% 47% 21% 7% 2.90 5931 72% 19% 53% 22% 6% 2.85 Public school facilities 7693 57% 11% 46% 32% 11% 2.57 5917 59% 8% 51% 34% 7% 2.60 Higher education facilities 7705 82% 41% 41% 14% 4% 3.19 5965 88% 42% 46% 10% 2% 3.28 Cultural opportunities 7645 75% 33% 41% 20% 5% 3.03 5923 85% 35% 50% 12% 2% 3.18 Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE NEW ENGLAND'S COMPETITIVENESS QUOTIENT Question 2: Compared to locate with a business? other regions of the country, do you feel New England is a good place BASE: YES NO Your Chamber 132 75% 25% Your State 696 75% 25% New England 7973 46% 54% Question 3: How would you rate your State's business climate? VERY MODERATELY ANTI- BASE: PRO-BUSINESS PRO-BUSINESS NEUTRAL BUSINESS BUSINESS VERY ANTI- Your Chamber 132 20% Your State 62% 702 13% 3% 17% 2% New England 53% 8100 20% 9% 5% 1% 29% 24% 31% 11% Question 4: Has your company ever considered relocating outside New England? GIVEN IT SERIOUSLY HAVE ALREADY BASE: CONSIDERED CONSIDERATION CONSIDERED NEVER OF OUR OPERATION PASSING RELOCATED PARTS Your Chamber 132 5% Your State 17% 692 73% 6% 5% New England 17% 7833 72% 12% 5% 23% 60% 5% Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE NEW ENGLAND'S COMPETITIVENESS QUOTIENT Question 5: If your company has considered relocating outside New England, what is the principal reason why? YOUR YOUR NEW CHAMBER STATE ENGLAND BASE: 21 High Tax Structure 114 2245 19% 18% Poor Government Attitude/Antibusiness 29% 5% Business Costs 7% 16% 5% Workmen's Compensation Costs 4% 15% 5% Cost of Living 4% 14% 10% Labor Costs 9% 14% 19% Poor Economyy 10% 11% 24% Poor Business Climate 16% 9% 5% 10% No progress/Lack of Opportunities 9% Health Care Cost 14% 9% 9% - High Utilities/Energy Costs 4% 6% 10% High Insurance 7% 5% - - Commercial Property Costs/Real Estate 5% Costs Regulation Problems 5% 7% 4% - Seasonal Relocation/Move to Southern 1% 4% States - 11% Lack atitude of skilled labor/Poor employee 3% Expansion 10% 4% 2% - Banking Crisis/Lack of Credit 6% 2% - Low profits 4% 2% - Climate/Weather 3% 2% - Poor Environment 4% 2% - Union Dominance 2% 1% 10% Overcrowding/High Crime 2% 1% - Personal Reasons 1% 1% - - Transportation Poor credit for small companies 1% , - - - Education 1% - - Other 1% 1 None 14% 8% 7% , - - Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE REGIONAL COOPERATION Question 1: From a business perspective, what is New England's principal strength? YOUR YOUR NEW CHAMBER STATE ENGLAND BASE: 113 566 Diverse workforce 6287 skilled labor 46% 38% Quality of Education 36% 24% 14% Quality of life 20% Standard of Living 13% Location 20% 13% Accessibility to ports 6% 11% People 12% Resources Infrastructure 14% 11% High technology belt 12% 4% 7% Geographic attributes (Climate, scenic 11% beauty, seasons) 4% 8% Population Density 8% Large Market 8% Work Ethics 5% 6% Yankee Ingenuity 10% Culture 11% 5% History 3% Tourism 2% 4% 2% Transportation 3% 2% 2% Health Care 2% 2% Hospital Services - 1% 2% High Income Per Capita Income/Disposable - - - Job Market Available work - - - Other Don't Know 4% 4% 3% None 1% 1% 1% - 1% 1% Research Results, Inc./The Survey Center, Inc. - 1991 New England Chamber of Commerce 1991 Economic Study [ GREATER MANCHESTER ] CHAMBER OF COMMERCE REGIONAL COOPERATION Question 1: From a business perspective, what is New England's principal weakness? YOUR YOUR NEW CHAMBER STATE ENGLAND BASE: 106 549 High cost of living/high energy costs 6418 26% 25% Corrupt government 23% Govt Anti Business politics. 6% High taxes 11% 21% 13% Cost of business 14% 20% 3% 6% Business climate/Poor economy/ 10% Recession/Unemployment 9% High workers compensation rates 10% 9% Union environment 4% 2% 9% bankruptcy) Financial condition (loans, banking, 27% High Cost of Labor 17% 8% 8% Anti-Business (n-s) 4% 5% Anti Business attitude of residents 2% Real estate costs 2% 4% 7% Infrastructure 6% 3% Few specialized industries/No Diversity 2% Regulatory problems 2% 3% - Location 1% 3% Lack of resources 4% Healthcare costs 4% 3% 1% Transportation 1% 2% 4% Weak Manufacturing 4% 2% No manufact. Climate 3% 2% 2% weather No skilled Labor 4% 5% 2% bad attitudes Parochialism 1% 1% 2% Provincialism - High % of welfare programs 2% 2% - Too Liberal 1% 1% - Quality of education 1% 1% - Defence concentration 1% 1% Govt resources channeled into defence - Crime/drugs 1% 1% - - Legal Climate 1% 1% - - Excessive gov't spending - - - Demographics - - Other - None 5% 6% 4% - - Don't know - 1% 1% 1% Research Results, Inc./The Survey Center, Inc. - 1991 Race The Washington Post C. Boyden Gray THURSDAY, NOVEMBER 14, 1991 Civil Rights: We Won, They Capitulated Contrary to a rapidly congealing press Sen. Robert Dole and transmitted through Sen. In return for Sen. Kennedy's complete capitu- myth, President Bush did not "cave" or "sur- John Danforth. This option was virtually identical lation on quotas, the administration agreed to render" on quotas in the new civil rights bill. in substance to the president's bill and to other several compromises proposed by Sen. Danforth Nor were any of the president's actions taken formulations that Kennedy and the private lobby- on other issues. The question on which the ad- in response to the Clarence Thomas hearings ists for his bill had rejected time and again. ministration was most reluctant was the applica- or the David Duke campaign. On the contrary, On most issues, the Dole proposal used lan- tion of jury trials and punitive damages to em- the compromise bill the president will sign be- guage drawn from the president's bill and the ployment cases under the Civil Rights Act. came possible only after the Democrats beat a analytical memorandum that accompanied the Although the Danforth proposal includes caps on total retreat on quotas, thereby paving the way bill. On the contentious issue of "business ne- such awards, thereby setting an important pre- for the president to make concessions on other, less fundamental, issues. cessity," which defines the standard that em- cedent for tort reform. such remedies are unde- To understand what happened, the public ployers must meet in justifying statistical dis- niably a dangerous experiment (as is suggested needs to know the story of an extraordinary parities, the proposal used essentially by the senators' 54-42 vote againsta proposal to amendment that was adopted without debate meaningless language from the Americans apply to themselves the same remedies they are or a vote. But first we must set the stage. With Disabilities Act that left the term in ques- imposing on the private sector). Under the Supreme Court's 1971 Griggs deci- tion undefined. (Ironically, the negotiators of Despite our strong misgivings about jury tri- sion, employment practices having an adverse the disability law had settled on this empty lan- als and damages. the agreement was sealed, statistical impact on certain groups can lead to li- and our startling success on Wards Cove re- ability even if there was no hint of discriminatory mained the most salient component of the intent. In 1989. the Wards Cove case summa- package. Imagine. then, how disturbed we rized the rules under which such lawsuits would "The president won a were to learn that Sen. Kennedy went to the be conducted. noting that unfair rules would floor of the Senate the very next day to create drive employers to use quotas to avoid any possi- clean victory for equal legislative history, inconsistent with Thursday bility of being dragged into such a lawsuit. night's agreement, attempting to resuscitate For the past two years, Democrats have in- opportunity, and that one of the most radically objectionable features sisted that Wards Cove overruled Griggs and that of the original Democratic bill. Had we been legislation was needed to "restore" pre- Wards victory will survive the sandbagged? Had the agreement so laboriously Cove law. The changes they actually proposed, negotiated ever been meant to stick? however, would have gone much further. expos- current round of The following Monday, the administration ing countless employers to ruinous litigation and proposed an innovative statutory provisions spe- liability any time their numbers were not "right." fictions." cially designed to enforce the Thursday night Administration lawyers always believed that agreement. This provision directed the courts to the Supreme Court was right to think that ignore any legislative history (such as the de- Griggsand Wards Cove were consistent with guage because they expected the issue to be scription of the agreement given by Kennedy on each other. More important, we knew that the addressed and resolved in the context of the Friday) apart from the two sentences originally Democrats' "restoration" was in fact a radical upcoming civil rights bill.) agreed to. Sens. Kennedy and Danforth objected and destructive distortion of prior legal doc- In its most critical component, the Dole pro- to this proposal. while administration negotiators trine. If "bad numbers" alone became a suffi- posal included exclusive legislative history that felt they had to insist. Tense meetings ensued, cient basis for legal liability, employers would would supply the definition of "business necessi- and it seemed at points that there might be no be foolish not to use quotas. ty" by referencing the case law as it stood imme- civil rights bill after all. Last March, the president proposed a bill diately prior to the Wards Cove decision. In two On Tuesday, Sens. Dole and Orrin Hatch en- that made a symbolically important but practi- carefully negotiated explanatory sentences, the gaged in heroic efforts to hold Sen. Kennedy and cally insignificant concession to the Democrats proposal indirectly accomplished what the presi- his allies to the agreement. Republican Leader on one issue involving the burden of proof. In dent's bill had done in so many words: codifying Dole's arguments were particularly effective- other respects. the president's bill codified the the law of disparate impact as it stood at the that night. without any debate or a recorded law as it existed prior to Wards Cove (and time of Wards Cove (except on the burden of vote, the Senate accepted a slightly modified which we believed was fully consistent with proof). Because the statutory language provided version of the administration proposal enforcing that decision). The Democrats in Congress no definition. the definition referenced in the leg- the deal. never gave this bill the time of day. islative history would necessarily be dispositive Heroic efforts to enforce the agreement Suddenly. on Thursday. Oct. 24, Sen. Edward in the courts; for that reason, 90 percent of the would not have been required unless there had Kennedy stunned administration negotiators by negotiations centered on the legislative history been something very significant were at stake. agreeing to a Wards Cove proposal developed by rather than on the statute itself. And there was. Buried in this dispute, as in earli- er arcane debates over legal terminology. was the difference between preserving the essence of current law and creating a new quota mon- ster. It also meant the difference between a sys- tem that will encourage kids to stay in school and a novel system of legal threats against those who reward hard work and achievement. On these fundamental issues the president won a clean victory for equal opportunity, and that victory will survive the current round of fictions about some supposed political surrender. The writer is counsel to the president. U.S. NEWS The Pan Am bombers A confession in the Congo and matching pieces of two bombs point an accusing finger at Libya A pollinaire Mangatany was a three years pursuing those responsible careful man but also a greedy for the worst terrorist attack in U.S. his- one. On the morning of Sept. 18, tory, the destruction of Pan Am Flight 1989, less than 24 hours before he was 103 over the village of Lockerbie, Scot- to board an airplane at the Maya Maya land, have fashioned the first two crimi- Airport in Brazzaville, the capital of the nal indictments in the inquiry. Stemming People's Republic of the Congo, Man- as they do from the most far-reaching gatany stopped in for a visit with the and complex criminal investigation in local juju priest. The trip would be a history, the charges against two midlevel dangerous one, the African psychic told officials of the Libyan government seem Mangatany; he should find a reason to embarrassingly modest. But they are the cancel it. Mangatany knew first fruits of a dramatic turn all about the danger. After in the investigation, and all, he had agreed to carry a they pose a host of new bomb aboard the plane and questions for the Bush ad- blow it up when the aircraft ministration and for Ameri- stopped to pick up more ca's on-again, off-again bat- passengers in Chad. Evidence. A meticulous reconstruction of the Maid of th tles against terrorism and Mangatany had a 5-year- against Libya's Qadhafi old son and a pregnant com- (box, Page 26). mon-law wife. He had no job. For most of the first two But if he blew up the plane, a years after the Pan Am Clip- spy for the government of Megrahi. A French per Maid of the Seas shat- Muammar Qadhafi would connection tered over Lockerbie, killing pay him a meager sum. The all 259 passengers and 11 spy, a man named Abdalla more people on the ground, Elazrag, had assured him investigators from the FBI that everything would be all and the Scottish police fo- right. He had even given cused on a Palestinian ter- Mangatany a red necktie. rorist group operating in the Once he had deposited the heart of Europe. The evi- bomb on the aircraft and left dence seemed compelling. the plane in Chad, Elazrag Less than a month before promised Mangatany, an- Flight 103 was destroyed, on other Libyan spy would rec- Dec. 21, 1988, federal police ognize the red tie and spirit Khalifa. Traced to in Germany had arrested 14 Mangatany out of the airport the isle of Malta known and suspected terror- Success. Acting Attorney General William Barr to safety. Apollinaire Man- unveiling t ists and seized a sophisticat- gatany thought about the words of the ed bomb designed especially for the de- juju man, thought about the money on the American aircraft appeared to Iran struction of an airplane. be Iran: U.S. intelligence officials 290 promised by the spy, then boarded the That evidence and more pointed to traced a wire transfer of several million B airplane with the bomb. Not long after the Popular Front for the Liberation of dollars from Tehran to a bank account Soor takeoff, it blew up, killing Mangatany Palestine-General Command. Its lead- in Vienna controlled by the PFLP-GC. and 170 other people. Apo er was an excitable little man with a Iran's motive, too, seemed compelling the From this improbable beginning, the paunch named Ahmed Jibril. Its patron enough. On July 3, 1988, the USS Vin- vesti investigators who have spent nearly was Syria. And its banker for the attack cennes had mistakenly shot down an hosp 24 PHOTOS: JUSTICE DEPARTMENT U.S.NEWS & WORLD REPORT, NOVEMBER 25, 1991 U.S.N Maid of the Seas allowed investigators to link the bombing to an attack on a French airliner in Africa. BARRY THUMMA-AP jet belonged to a French firm, Union des meeting in Tripoli in September 1988 to Transports Aériennes. Because the flight discuss the aircraft-bombing campaign had departed from the Congo, French against America. In fact, U.S. intelli- authorities began collaborating with gence officials say, other evidence indi- Congolese government investigators. cates that Libya began planning new at- It was the Congolese who got the first tacks on American targets soon after big break in the case. According to a the U.S. raid in April 1986. secret report prepared by the Congo's Deep involvement. The September Central Directorate of Military Security, 1988 meeting provided more-specific ev- a Libyan agent named Bernard Yanga idence of Libyan plotting. Present, U.S. said the bombing of the French jet was intelligence officials say, were Abdullah part of a wider Libyan campaign to de- Senoussi, the brother-in-law of Libyan stroy American aircraft. The motive? dictator Qadhafi, and Musa Koussa, a Retaliation for the 1986 U.S. bombing of Libyan official who earned a Master's Libya, ordered by Ronald Reagan after Degree at Michigan State University, the Libyans directed an attack on a West writing his thesis on Qadhafi before he EMENT OF Berlin discothèque that killed two Amer- returned to Tripoli to head Libya's Cen- ican servicemen and a Turkish woman. ter to Resist Imperialism, Racism, Back- Barr Yanga, who worked days as a ware- wardness and Fascism. Both men, U.S. unveiling the grand jury indictments houseman, was not a willing confessor. officials say, were deeply involved in Iranian plane over the Persian Gulf; But the Congolese, says a U.S. official, planning the bombings of both the 290 people were killed. "were enthusiastic interrogators." Yan- French jet and Pan Am Flight 103. But the theory, evidently, was wrong. ga's account, the Congolese report con- Working from information developed Soon after the French plane carrying firms, "was initially somewhat hesitant, by French and Congolese authorities in Apollinaire Mangatany exploded over and then became more coherent." early 1991, FBI agents and Scottish po- the Ténéré desert in eastern Nigeria, in- According to knowledgeable officials, lice began re-examining the possibility vestigators were swarming over the in- Yanga and another Libyan gave sworn of a Libyan connection to the bombing hospitable terrain collecting debris. The statements saying they had attended a of Flight 103. Qadhafi's government en- JUSTICE DEPARTMENT 25 U.S.NEWS & WORLD REPORT, NOVEMBER 25, 1991 U.S. NEWS joys close relations with the gov- ernment of Malta, and on the morning the Pan Am jet explod- ed over Lockerbie, an Air Malta flight had carried several pas- sengers to Frankfurt, where they boarded the first leg of Flight 103. Early on, investigators had tried to determine whether the bomb had been transferred to Flight 103 from the Air Malta flight. They had rejected the possibility for lack of evidence. But the information devel- oped during the investigation into the bombing of the French jet prompted another look for a Maltese connection. This time, investigators discovered that the two Libyans indicted last week, Lamen Khalifa Fhimah and Abdel Basset Ali al-Megrahi; UTA. Wreckage from the French jet, in which 170 died, litters the Ténéré desert. had slipped an unaccompanied piece of baggage aboard the Air Malta the timer on the bomb that blew up Flight American jetliner is compelling. Some flight. Both men are members of the 103: They were identical. After nearly U.S. officials suspect that after the Jawahira Security Organization, one of three years, the first of those who mur- PFLP-GC terrorists were arrested in Libya's intelligence services. dered 270 people on a frigid winter night Germany-weeks before the Lockerbie The telltale timer. The bag delivered by in Scotland now face criminal charges. bombing-Ahmed Jibril, who has long the two Libyans contained a radio-cas- Does that mean Libya alone was re- had close ties to Qadhafi, handed off the sette player with a bomb concealed in it. sponsible? The Bush administration has operation to Libyan intelligence agents. At Frankfurt, despite airline security reg- taken pains to avoid linking Iran and There is no evidence proving that such a ulations intended to prevent such an oc- Syria to the Lockerbie bombing. Bush is transfer occurred. But even if it did not, currence, the unaccompanied bag with eager for progress in the Middle East U.S. counterterrorism specialists say, the bomb in it was loaded aboard Pan peace process, in which Syria is a critical Iran and Syria cannot be pronounced Am Flight 103. The link was confirmed actor, and Iran holds the keys to freedom innocent simply because the Libyans when a British forensic scientist matched for Westerners held hostage in Lebanon. beat them to the punch. a fragment of the bomb timer used to But the evidence that Iran paid the Syri- destroy the French jet with a tiny piece of an-backed PFLP-GC to destroy an BY BRIAN DUFFY CAN AMERICA STRIKE BACK? the work of the Abu Nidal Organiza- tion, U.S. officials told U.S. News. Abu Bad choices: military action, Nidal is headquartered in Tripoli and bankrolled by Muammar Qadhafi. an oil embargo or kidnapping Still, none of the retaliatory options available to George Bush is very at- tractive. An oil embargo would not be n June 21, 1989, probably long be- was to announce the indictments of effective because Libya has invested fore William Barr ever dreamed two tibyan officials for the bombing heavily in downstream refining; sever- of becoming the government's top of Pan Am Flight 103. al big facilities are incorporated in lawyer, he drafted a secret memoran- In the cramped quarters of the Switzerland and would not be subject dum. Its message: FBI agents have the Washington, D.C., field office of the to an embargo. Tomahawk cruise mis- authority to violate international law FBI, the elite C-3 squad would likely siles or Stealth fighters could hit Liby- by seizing terrorists, drug traffickers get the call if it appeared that either an targets more accurately than U.S. and other fugitives overseas without of the Libyans could be grabbed. bombers did in 1986, but military ac obtaining the consent of the foreign Both, however, are believed to be in tion is unlikely while the Middle East countries where they are hiding. The Libya, where such an operation would peace process is crawling forward. opinion remains controversial, but be difficult and extremely risky. That means that the indictments is law-enforcement sources say it was fit- Limited options. Still, there is ample sued against the two Libyan intelli- ting that Barr's last public act before reason to act: Libyan terrorists are be- gence officers last week may serve as the Senate Judiciary Committee rec- coming more active-and competent. little more than paper protests against ommended his confirmation last week A car bombing that killed a U.S. Army governments that promote and pay as the nation's 77th attorney general sergeant in Turkey a few. weeks ago was for terrorist activity. 26 U.S.NEWS & WORLD REPORT, NOVEMBER 25, 1991 Race The New York Times Mississippi's PAGE: DATE: 11/11/91 R8 New Chief Fought Race-Based Plans By RONALD SMOTHERS Special to The New York Times the color of my skin. And that's just construction company. JACKSON, Miss., Nov. 8 - When plain unfair. You can't make up for Kirk Fordice got his degree in civil Kirk Fordice was driving home his past discrimination by making others engineering in 1956 from Purdue Uni- campaign theme of passionate opposi- suffer." versity and in 1957 earned a masters tion to quotas and government affirma- At the same time Mr. Fordice was degree in industrial management. Af- tive-action programs in general, he pursuing his own case, he was a player ter serving two years in the Army, he was not just engaging in idle sloganeer- in an even bigger affirmative action began working with the family busi- ing. case. He was a top official of an indus- ness, which specialized in fabricating try trade group, the Associated Gen- the masssive metal, reinforced con- Nor was the new Governor-elect of eral Contractors, that helped finance a crete mats used to stabilize the banks Mississippi running a copycat cam- case called City of Richmond V. Croson. of the Mississippi River. Because the paign, despite what some opponents The case resulted in a United States work is heavily dependent on Federal said about his injecting race into the Supreme Court decision in January contracts, the elder Mr. Fordice be- election and echoing the approach of 1989 that said that affirmative action came active in the industry trade David Duke, the former Ku Klux Klan and set-aside programs based on race group and impressed on his son with leader and neo-Nazi who is running for were unconstitutional if they were not the importance of such involvments. governor in the neighboring Louisiana. aimed at redressing specific incidents In fact, Mr. Fordice was the driving At one point the business did as much of past discrimination. force behind a 10-year legal challenge as $15 million a year but in the mid- to an Army Corps of Engineers pro- Affable in Campaign 1980's Mr. Fordice shrank the company gram to set aside some contracts for Mr. Fordice's connection with these to doing $5 million in business annually minority and small businesses, and he efforts was never prominent in his while maintaining profits. was the leader of the industry group campaign. The picture that most vot- At the same time, said Haley Bar- that backed a Supreme Court case that ers got was of his straightforwardness bour, the state's Republican national ended up outlawing most such minority and affability. But the Governor-elect, committeeman, Kirk Fordice was set-aside programs. some friends say, often uneasily walks among the few well-off businessmen in Mississippi's first Republican gover- a tightrope between straight talk and a the state willing to devote time to Re- nor in 115 years, is, friends and family bluntness that is withering and just publican politics. members say, a man of "strong opin- short of inflammatory. In fact, throughout the campaign, Mr. Fordice's reputation as a pit bull ions and an outspoken manner." The 57-year-old owner of a Vicksburg con- said one friend, James B. Furr, a Jack- for the industry was burnished last March when he took on Senator How- son oil man, some of them held their ard M. Metzenbaum, the Ohio Demo- struction company is a conservative breath fearing that the man who they crat who is chairman of the Senate who is no stranger to the White House. considered "headstrong" and "full of He brings to the Governor's mansion a magical self-confidence" would talk labor subcommittee, in what Republi- background of nearly 30 years of trying himself into some controversy or com- can staff members and industry offi- to build the Republican Party in the mit a costly gaffe. cials recalled was an aggressive de- overwhelmingly Democratic State. In But Mr. Furr, who has known Mr. fense of the construction industry. that process his role was mostly as a Fordice for 35 years, insisted that it "I had my work cut out for me," said financial backer, and the only other was Mr. Fordice's own forebearance, Mr. Fordice, noting that the Senator elected post he has held was country and not skillful handling by image had brought relatives of construction election commissioner. accident victims to testify in favor of But his determination in pressing the makers, that prevented such problems. new safety laws. "He took out after me case involving the Corps of Engineers "He was just full of self-confidence and like a schoolyard bully. So I just shot speaks volumes about who he is and, not afraid to say anything." back at him and he was shocked be- some say, how he is likely to govern in His colleagues in the Associated cause nobody else ever stood up to him the state with its strong Democratic General Contractors had long known of like that. That's why the Associated Party and powerful Legislature. his unblinking manner as a spokesman General Contractors has guys like me That case, Fordice V. Marsh, ended for their cause. He has served on the who are businessmen and not profes- with a little-publicized ruling by a Fed- group's executive committee since sional lobbyist doing the testifying. It's 1974 and from 1988 to early this year a lot harder for them to intimidate us." eral judge in July 1990 that the admin- istration of a set-aside program for held a series of top offices including Ralph Thomas, executive director of work on the Mississippi River had been president. He often appeared before the National Association of Minority characterized by abuse. Congressional committees making the Contractors, said that Mr. Fordice had "It was very personal," he said of industry's case. forthrightly brought his opposition tc the lawsuit in an interview. "They al- "They picked me for the armed com- set-aside programs to the hostile arena most put me out of business because of bat testimony," he said with some rel- of the minority contractors convention ish as he discussed his industry in an in 1990 at which he "toed the conserva- interview. tive party line" on the issue. His wife, Pat, said that the construc- tion business bred a special kind of "And a lot of us were impressed with "focused" and no-nonsense approach. his willingness to mix it up. I guess his election in Mississippi is sort of a A Family Business mixed blessing for us. At least we know Daniel Kirkwood Fordice Jr. was a governor with whom we can talk born Feb. 10, 1934, in Memphis, the son cordially and with whom we can agree of a self-taught construction engineer on some things. Unfortunately none of who in 1948 left his job with the Army those things involve minority partici- Corps of Engineers to start his own pation in the construction industry." PAGE 20,41 Cong ressional Ethics The New York Times DATE: 11/10/91 PAGE: A024 Democrats Worry About Scope of Checks Inquiry WASHINGTON, Nov. 9 (AP) - Dem- The Associated Press, and its authen- And reflecting the concern for pri- ocratic lawmakers are worried that ticity was confirmed by Mr. Bruce in a vacy, it said, "One answer is that we the House ethics committee's investi- telephone interview. will not put canceled checks into the gation of bad checks written against Mr. Bruce would not say where the hands of the Republicans." accounts at the Capitol Hill bank serv- comments had been made, but a House The memorandum also reflected a ing House members will invade their official, speaking on condition of ano- worry that lawmakers would be judged privacy. nymity, said they were from last by ethical standards that did not pre- And they are insistent that the inves- Thursday's meeting of the House Dem- vail before the extent of bad-check tigation be concluded quickly and that ocratic whip organization. The House writing at the bank became public damaging material related to it be kept whip meets weekly with the whips knowledge. from Republicans. from each state's delegation to discuss Addressing that concern, it cited Those are among the elements of a party positions and strategies, then comments at the meeting to the effect Democratic Congressman's written pass the information to rank-and-file that the report resulting from the eth- account of a meeting among party law- lawmakers. ics committee's inquiry "will very like- makers on Thursday. The memoran- "We need to protect our privacy and ly be critical of the bank and its prac- dum, written by Representative Terry wrap up the investigation quickly," the tices, not of individual members,' and L. Bruce of Illinois, was obtained by memorandum said. that "bounced checks will not be an ethical violation." The investigation was begun last month by a subcommittee of the ethics panel, the Committee on Standards of Official Conduct. It was ordered by a House resolution that will also shut down the bank by year's end. Seeking Routine Violators The subcommittee, three Democrats and three Republicans, is to investigate several issues related to the bank, among them whether lawmakers, offi- cers or employees of the House "rou- tinely and repeatedly" wrote checks against insufficient funds. The inquiry follows a furor over find- ings by the General Accounting Office, Congress's investigative and auditing arm, that from July 1989 through June 1990, there were 8,331 bad checks writ- ten on accounts at the bank. The G.A.O. said 134 account holders had written a total of 581 bad checks of $1,000 or more. The bank imposed none of the finan- cial penalties that other banks charge depositors who write bad checks. In- stead, it covered the deficiencies by taking money from other accounts. In an interview, Mr. Bruce said his memorandum's reference to privacy had nothing to do with any effort to keep the names of chronic bad-check writers from becoming public knowl- edge. The lawmakers' concern, he said, was only that their private transac- tions not become public. And the assessment that writing a bad check would not be judged an ethical violation, he said, was a short- hand way of saying that a person who had written such checks for only $10 or $15, and who had done so only rarely, would not be found at fault. A Democratic leadership aide who attended the meeting said, "In part, what they were looking for was to be reassured that there would be differen- tiation between those who occasionally wrote a check for insufficient funds, as opposed to those who repeatedly and systematically abused the system." Representative Matthew F. Mc- Hugh, the New York Democrat who will head the investigation, said in an interview that "the political climate is so negative" that members worry that the subcommittee will be pressured to recommend punishment, even by ap- plying ethical standards retroactively. "That's not going to be the ap- proach," Mr. McHugh said. "We will make judgments about standards peo- ple had reason to know about at the time." PAGE OF 41