Swipe fees have increased steadily since the introduction of debit cards 20 years ago, when there were no swipe fees at all. Merchants can't negotiate or control them. They've tried, but they have no leverage against the big banks and issuers. So they get ignored. ↗
People often get the wrong impression of Mick. The clever businessman is just one side of Mick. The other side is the same as the rest of us, a true rocker! ↗
The songwriting of Hall & Oates is deceptively complex. There are a number of key changes that pass you by as you're listening to the song because they're so seamless and clever. ↗
Against the beautiful and the clever and the successful, one can wage a pitiless war, but not against the unattractive: then the millstone weighs on the breast. ↗
Here we stand in the middle of this new world with our primitive brain, attuned to the simple cave life, with terrific forces at our disposal, which we are clever enough to release, but whose consequences we cannot comprehend. ↗