The Tobacco Story, Continued

House Ag held a hearing on the tobacco industry. Skimming the prepared testimony, it seems the numbers of farmers are down (from 8,000 to 3,000 in NC, a 72 percent drop in KY to 8,000), but flue-cured is more competitive with Brazil. It fits with the impressionistic evidence from newspapers--the old tobacco programs did their job of slowing the process of change, keeping more people in tobacco growing. Ending the program looks to have speeded change, made the industry more competitive but more volatile. And the program wasn't keeping prices down and encouraging smoking.

Taiwan Does Things Differently

Via Tyler Cowan at Marginal Revolution, here's an fascinating description of life in Taiwan (a 7-11 on every block?)

More Bombs for Wall Street

Simon Johnson writes in the Atlantic on the growth of financial institutions in the U.S. economy. (HT Kevin Drum). He's the former chief economist for the IMF and parallels the U.S. case with the sort of crises the IMF deals with in Russia, Indonesia, Thailand, etc.

Stains in the Oval Office?

What stains did GW leave--inquiring minds want to know?

From the Post this morning, on Obama's meeting with bankers:

""Excess is out of fashion," Obama said, according to participants in the gathering.

The president held himself up as an example, saying that he had not yet renovated the Oval Office and was still using George W. Bush's furniture, even noting the stains on the carpet. He urged the banks to show comparable "constraint and responsibility," adding that the nation had undergone a cultural shift.

Meals To Come, Same Old, Same Old

Warren Belasco has a book, Meals to Come, which reviews debates over food during the last two centuries. It has lots of facts, but I'll try a brief summary. (Looking at Amazon, I'm guessing maybe he reuses his researches in several books, but that's a guess.)

Since 1800 or so, the poles of a debate have been symbolized by Malthus, arguing current food production and patterns are doomed, the dystophia, and Condorcet, celebrating the power of reason to come up with solutions, the cornucopia of engineered and designed food systems. Different viewpoints get caught up in the systems--racism, eugenics, the cold war, futurism, science fiction, egalitarianism,

Belasco believes different events and trends tend to trigger and reinvigorate the debate over the future of food: famines and spikes in the price of food, particularly in the 19th century, demography, etc.

When debate over food flares, it's characterized by urgency (war, gloom, and doom), lots of statistics, assumptions, all leading to missed predictions.

All in all, it's a sobering reminder of how fallible we can be when we talk about something as important to us as food.

Decreasing Consumption of Corn

Dr. Pollan and other foodies decry our dependence on corn. Pollan would like us to return to more traditional foodways. In that context, here's a factoid from ERS:

From 1890 until 1920, the greatest increase in food consumption occurred with sugar, and the greatest decrease was in cornmeal. Rising prosperity led to a pronounced shift from cornmeal to wheat flour, especially in the South, and an equally important substitution of sugar for wheat flour. Sugar prices had been dropping sharply since the 1850s with the development of improved refining technology.

And again:

These trends helped increase per capita wheat product consumption in the United States for the last quarter of the 20th century.

I've said before and I'll say again, when it comes to agriculture and food, things are more complicated than any party to current debates admits.

It All Depends on How You Hold Your Tongue

I was reminded of this profound truth by Erin's photos here.

France Is a Different Country (L'Ancien Regime Still Mourned by Some)

We got rid of our Loyalists to Canada, but not so in France--an excerpt from Dirk Beauregard's post on religion:

In very traditional, and unflinching, intégriste, or fundamentalist Catholic circles, there is still a lot of nostalgia for the Ancien Régime. The 1789 Revolution is viewed very much as a cataclysm and a rupture with God and the natural order. However, the vast majority of Catholics are quite happy living within the republican scheme of things.

A Good Paragraph

John Phipps says:

What I have learned as far back as the Apple/PC beginnings is waiting for a clear winner probably isn't the best choice. If nothing else, taking the plunge generates significant practical knowledge of an emergent technology that could be a significant advantage. This happened for early personal computer users regardless of which platform they eventually ended up with.

As long as you've got some margin for error (money-wise, etc.), this works for me. Learning is always good (except when it intrudes on an old guy's routine).

In Defense of Checking With IRS

Republican members of House Ag have written to USDA objecting to the requirement that producers sign IRS forms granting FSA access to their data (see this post). From the letter:

We did offer a choice to producers. Congress allowed for a verification of income statement, prepared by a certified public accountant or another third party acceptable to you, to be submitted every three years that confirms the producer’s adjusted gross income which makes he or she eligible to receive payment.

By forcing every producer to give USDA the power to verify with the IRS information submitted by the farmer or rancher takes away this choice, unnecessarily invades privacy and contravenes the intent of Congress. We, of course, do not want ineligible producers receiving payments, but Congress provided an explicit mechanism to address the problem without involving the IRS

So why would FSA bureaucrats do differently? Basically because it's easier, more accurate, less expensive and less revealing of private data. Other than that, the Republicans' suggestion would create jobs, increasing the employment of CPA's, so no doubt FSA should scrap its plan and go with the Republican one.

Shall I explain? (Note, I don't really know what FSA is planning, but I know the sort of proposal I would take to USDA management and IRS, if I were still there.)

Very simply put:

• FSA would create a file of the tax ID's of the producers subject to the AGI limit.
• FSA would give the file to IRS.
  
• IRS would, from their data, create a file of tax ID's whose tax return shows an AGI amounts over $500,000 (or whatever is the appropriate figure). Note the actual amount wouldn't be on the file, just the fact the AGI level was exceeded.
  
• IRS would match the data on the two files, and create a return file showing the tax ID's of the matches.
• FSA would take the return file and sit down with the producers to resolve the discrepancy between their statement that their AGI was below the limit and IRS indication it was above.

That solution appeals to a DC bureaucrat--it treats everyone the same, all the work of handling people who are complying with the rules (i.e. 99 percent) is done by computers, and you only have to disturb people when there's a good possibility of a problem of fraud.

I'm not sure what appeals to a county office bureaucrat--is it easier to explain to a producer why he or she needs to sign the IRS form or why they need to get a CPA? My guess is the latter.

Far be it from me to suggest that any farmer would ever have a CPA lie, but as a taxpayer I'd sooner trust IRS's report.

It would be an interesting question to see if Pell Grants are checked with IRS. See this for required documents

Obesity and Fast Food

The Times has an article on a study which found proximity to fast food outlets was strongly correlated with obesity. It sounds impressive.

New Farmers in Nebraska

U of Nebraska has a piece on ag students possibly returning to the farm and the hurdles they face. It's interesting, but would be discouraging for the alternative ag people--the only farming option discussed is the "factory farm", or "industrial ag"--no consideration of mini-farms growing fruits and veggies.

House Ag and Implementing Conservation Programs

House Ag had a hearing with NRCS and FSA, plus the OIG and GAO types, on problems with handling conservation program payments, including this GAO report. I briefly yield to my FSA partisanship and note the following excerpts from the IG's prepared testimony.

These problems occurred because NRCS lacked federal financial accounting expertise. Until 2004, NRCS had relied on FSA employees to help account for its transactions, and had not cultivated a staff of accounting professionals. Part of this problem also has to do with how NRCS understands its mission within USDA. Many NRCS officials perceive their primary role as providing technical and scientific assistance to producers. Training employees to correctly account for its activities was not the agency’s first priority.

We found possible noncompliance issues on approximately 40 percent of the[WRP] easement sites we inspected.

I'm wondering about the background of shifting payments from FSA to NRCS--presumably the NRCS interest groups had bigger clout on Capitol Hill than the FSA interest groups.

This area is of more than passing interest to me, given my guess that NRCS will be given responsibility for Vilsack's carbon offsets (remember, you heard it here first).

Best Sentence Today, Mar 25

"I have a firm rule - I eat the mean people." (From Walt Jeffries at Sugar Mountain Farm, on his culling policy.)

Little Known Fact About Farming and Taxes

Trying to track down a cryptic bit on payment limitation and ACRE, I ran across this from a footnote in the Congressional Research Service report on the 2008 farm bill:

Farms overwhelmingly report losses for tax purposes (because of cash accounting, depreciation, and other practices), even though USDA farm income numbers are positive. For example, in 2004, two-thirds of all Schedule F tax returns showed a loss, resulting in a sector-wide net farm loss of $13 billion for all Schedule F returns. By comparison, USDA farm income data showed an $80 billion profit. Even for “large” farms with sales over $250,000, about one-third report a loss for tax
purposes.

And Was Senator Lincoln in Attendance?

Or maybe Sen. Chambliss (in my mind, no doubt unfairly, I see Lincoln and Chambliss as the leading protectors of the current payment limitation rules)? So it may taken Lincoln only a nano-second to call Vilsack and point out Obama needs her vote on the 2010 budget so what the &***% does he mean by this response to a Sustainable Ag meeting:

"Vilsack said that he is aware of the need for a strong new rule on what it means to be “actively engaged in agriculture” for the purpose of commodity payments."

Suckers Born Every Minute [Revised]

NPR has a story on custom-gardening--outfits who come in and set up your garden for you. They claim a 150-square foot garden will keep a small family in vegetables for a year. I suppose it all depends on your definition of "keep". If you eat at home every other day, maybe. If you're eating lots of vegetables every day, I doubt it. Our garden is nominally 500 sq feet, though probably closer to 400, once you allow for the compost bin and path. It keeps us in salads from late April to November or December, but we still buy vegetables (like potatoes and jicama) during that period, and tomatoes up to July.

It's easy to over-sell this stuff.

Soil Testing

Extension.org has many posts each day which I skim as fast as I can spin the mouse wheel. But there's one on farming fundamentals which caught my eye--"soil testing". The writer noted that Extension Service has pushed it for 100 years.

A question, though: If modern technology can meter the fertilizer applied to the soil according to the GPS coordinates of the soil, can't the technology do soil testing better than the way it was done 100 years ago?

Two Different Earths

There's this earth, as described at Powerline:

Due to the efforts of Heartland and others, the public is beginning to catch on to the cosmic scam that Al Gore, James Hansen and others--mostly not scientists--have been perpetrating. Meanwhile, the Obama administration, seemingly determined to inflict the maximum possible damage on the economy in the shortest time, is trying to ram a cap-and-trade carbon tax through Congress before opposition can be mobilized.

And there's this earth (or at least this America) as described by Joseph Romm at Gristmill (one in which a survey says):

Americans say they are prepared to incur significant costs [to fight global warming], as the figure above shows. In fact, they "support policies that would personally cost them more," specifically (emphasis in original):

I'm not sure, I fear a schizophrenic society.

Undoing Reforms--Administrative Conference of the US

This post at OMBwatch records the revival of the Administrative Conference of the US, a body which was killed in 1995, by, if I remember, Newt Gingrich. It's a deep in the weeds thing:

"ACUS was created in 1968 as an independent agency with a small staff assisted by outside experts in administrative law, government processes, judicial review and enforcement, and agency regulatory processes."

Did things like worry about the Federal Register and the Administrative Procedure Act. (Only bureaucrats care about such things.)

More Intelligence, Less Money?

Robin Hanson linked to this old post, which gives a startling quote:

Here is the shocking conclusion: in the recent years of the GSS (1991 to 2004), for people whose highest level of educational attainment is a bachelor’s degree, there is a negative correlation between intelligence and income. In the 1998 to 2004 data, each point higher on the Wordsum test causes a $1,200 decrease in income.

Didn't have the patience to dig deeply, but part of the answer is in the "bachelor's degree" bit--if you're smart enough to get a graduate degree, then your intelligence is rewarded.

Government and Farming in Scotland

Musings of a Stonehead is a crofter's blog. He had a feed problem the other day, which resulted in an inspection and a report. His post(s) on the experience make for interesting reading. It seems they're a bit more highly regulated in the UK than the US.

Women in Agriculture

"Lady Landowners" group? Encouraging such groups is a good idea for FSA.

Reston, Somewhat Walkable

Via Freakonomics, that's the score for my Reston neighborhood at walkscore.com (a site which for some cities evaluates how far you have to walk to reach amenities), which is about the same for the Lake Anne Center, the first part of Reston to be built. Mr. Robert Simon, the "father" of Reston, must be twirling in his Lake Anne apartment, as he dreamed of separating pedestrians and cars so that Reston would really be walkable. He didn't realize how lazy modern Americans would be.

What Happened to the ABA?

Here's a discussion by Jonathan Adler at volokh.com of possible bias in the ABA's evaluation of judicial nominees. An excerpt:

"[maybe] the ratings reflect the perspective of a somewhat-insular white liberal elite that has a tendency to give higher ratings to those who are most like them in background, experience and perspective."

Back in the 1950's, the ABA and the AMA were two pillars of the establishment, which was moderate to conservative. (Malcolm Gladwell's new book has a chapter on how the establishment looked down on some Jewish lawyers.) I don't know what's happened in 50 years to change the ABA (not that I necessarily agree with Adler).

Second Guessing the White House Garden

There's lots of attention to the White House garden, so it's fulfilling its symbolic function. I can't resist some cracks/comments:

• I'm a bit surprised at the kale/collards--we grow them as fall only. I guess they're buying seedlings.
• I'm not sure what the First Lady is teaching the school kids--making them work for 15 minutes and then a cookie break. I don't think the mother of either of the Obamas would be that lax--standards are slipping. (Even I can work 30 minutes straight before taking a break, and I'm old.
  
• 15 students, plus maybe 10 adults from the staff--that's 25 people for 1,100 square feet meaning each one does 40 square feet.
• were they hauling off the turf--is that to be used for patching elsewhere on the lawn (maybe after the Easter egg roll) or maybe on the Mall? If they composted it, and where's the plan for the compost pile for the White House--surely that's going to cause lots of criticism from the organic people, maybe that would reduce the carbon released from the sod breaking. Or maybe not: if you plow native prairie you turn under the sod, but I haven't seen that mentioned as a redeeming factor in converting land to crops.

I'm not sure of the relation between the Clinton's rooftop garden and this--certainly the rooftop garden doesn't pose any security problem, while this one looks dangerously accessible from the street.

Bottom line--anything a politician does in Washington is subject to second guessing. Because people feel so strongly on this issue, they'll get a lot of carping.

A Blast from the Past--The Hammer Award

The Hammer Award was an Al Gore, Reinventing Government, idea to recognize bureaucrats who had been innovative. Al Gore, for those of you who are young, or old with bad memories, is the man who used to be Vice President of these United States before he was the man who used to be President.

I was trying to research procurement procedures, just being bored on a Friday afternoon and with nothing better to do, particularly as a reader had expressed frustration with the Government's process. So I did a search on "programming" on the GSA site and got this result, with the Hammer Award as the top result. Makes me real confident in the currency of the site.

Fast Tracking the Stimulus, Not So Much

The Government Executive has an article on the various problems the administration is running into with its stimulus package.

Dr. Shiva Again

Since I took one crack at Dr. Vendana Shiva, I might as well take another. This Post article today on the burgeoning middle class in rural India paints a different side of the picture than the poor, oppressed farmers committing suicide she has depicted in the past. An excerpt:

India's rural destiny still depends on good monsoon rains and robust agricultural production, but four years of bumper crops and heavy government investment in rural infrastructure have given birth to what some analysts call an emerging economy within India.

In the dusty market along a bumpy road in Yadav's village, 40 miles south of New Delhi, sales of microwave ovens, washing machines and 32-inch, flat-screen plasma televisions have risen in the past year. Branded-clothing stores called Rich Look and Charlie Outlaw have sprung up, looking to attract upwardly mobile farm youths.

I suspect the truth is in between--commercial, yes "industrial", farming with its chemical fertilizers produces winners and losers, Dr. Shiva sees only the losers, this article shows the winners.

Carbon Offset for the White House Garden?

The first lady makes the front page of the Times and the Post style section with the announcement of the White House vegetable garden.

As they're apparently digging up the lawn to create it, I think they might need to buy carbon offsets for it. If I understand correctly, and I may not, any conversion from permanent or perennial vegetation to annual cropping means a net release of carbon. But, all cynicism aside, it's a nice symbolic gesture.

Carbon Credits, A Pipedream?

Sec. Vilsack may be overpromising (I know, he's a politician so that's totally surprising) when he says farmers can replace direct payments with payments for carbon credits. That's the message of this Marcia Zarley Taylor post at DTN:

The number one challenge facing pro-carbon trading farm groups at the moment is proving that agriculture's contribution to carbon reduction can be real, "additional" and permanent, others Ag Carbon Market Group members say.

Here are two GAO products which are relevant

FSA Interfacing With IRS

According to Sec. Vilsack, FSA will now require producers to sign a waiver form to permit IRS to provide income data to FSA to check compliance with adjusted gross income requirements. (It's a followup to a GAO audit.) See the press release here.

Note: the public doesn't want bureaucratic red tape, but it wants payments made to eligible people and it wants IRS data kept private. How does a bureaucracy square the circle: a form.

So Much for Conservative Scare Tactics

I remember the great Panama Canal fight in the 1970's--a hot issue which Reagan rode to the nomination by demagoguery. Then in the 1990's when, under the treaty's terms, we were to hand the Canal over to the Panamian government, some conservatives got all outraged that Hutchinson-Whampoa, a Hong Kong firm, would operate a terminal at one end or the other. Well, almost 20 years on and the sky has not fallen. Indeed, the Illinois Corn Growers seems to be using Panamian management as a stick to beat the US with:

"[the ICG spokesman said]says that while improvements are still pending on U.S. locks and dams, Panama is improving their canal to grow traffic through that waterway.

"And the reason they are doing this, and they are spending billions of dollars, is because they want to bring Capesize vessels, which are the largest ocean going vessels out there, through the Panama Canal," said Lambert.

My Face

Finally got around to updating my profile, and including my official passport photo shot. I may be self-centered, but I'm not fond of my looks as a senior citizen. Fortunately, I don't have to look at the picture as I write a post.

One Cell to Rule Them All

The NYTimes has an article on the cellphone (i.e., Iphone) as a universal remote.

On its blog, there's a suggestion to convert cellphones into the SecurID device. As it says: "For those of you who don’t work for security-conscious corporations, a SecurID is a little LED display that goes in your wallet or on your keychain, that flashes a different six digit number every minute or so. You need to enter that number, along with a user name and password, to get into some computer systems."

Dr. Shiva Is Wrong

At Blog for Rural America, Steph Larson reports on the organic farming conference. Including this nugget:

To a packed audience, Dr. Shiva remembered the roots of industrial agriculture, which was born out of a need to find different uses for the chemicals of war [emphasis added]. Now seeds are patented and controlled by only a few multi-national corporations, while producers are driven further into debt and suffer from hunger. As agriculture becomes more consolidated and fewer people control our food supply, Dr. Shiva asserted that the very health of our democracy is at risk.

The bolded phrase is ridiculous nonsense, though a meme popular among the left food community. (Dr. Pollan repeated a version of it in "Omnivore...". )

The reference presumably is to the Haber-Bosch process, which was developed before WWI in order to avoid the need to import nitrates from Chile. The nitrates were particularly important in European agriculture. Now gunpowder originally was made of sulphur, charcoal, and saltpeter (or "nitre" or potassium nitrate). And Germany's access to Chilean nitrate during WWI was cut off by the British blockade, so the Haber-Bosch process was used to make nitrate for explosives. "The Alchemy of Air" is a fast-moving narrative of the developments in this area.

Sentence of the Day:

From Dana Milbank, Post, describing a press breakfast on GM's prospects:

As Wagoner [GM CEO]described the company's gloomy economic forecast, the moderator, Dave Cook, [of the now on-line only Christian Science Monitor] was sympathetic: "We're from the newspaper business. We understand."

Email and Health Care Costs [Revised]

The NYTimes bits blog covers a study of Kaiser Permanente:

The study, focusing on the experience of Kaiser Permanente in Hawaii when it implemented electronic health records, secure e-mail and a Web portal, found that patient visits declined 26 percent from 2004 to 2007.

Makes sense to me. Matter of fact, Kaiser has the same setup in the DC area and I've used email to avoid office calls. I think it works well for those who are averse to doctors (me) anyway but who also have a bit of hypochondria (me again) and who are into researching on the Internet (me). An ache triggers the research, but email allows me to scratch the itch without wasting the good doctor's face time.

This effect may be just as important as the other pluses: "The long-awaited transition from paper to electronic records is considered essential if doctors and hospitals are to improve coordination of care, manage patients with chronic disease, lessen the wide variation in how medicine is practiced and monitor quality." from the Milwaukee Journal-Sentinel

[Had a comment on the original post I wanted to get rid of --hence the revision. But I'm taking advantage of it to add a comment on the Wash Post op-ed questioning health IT. While the arguments have weight, IMO one could make the same arguments against many of the advances over the last 100 years. There's always trade-offs and a learning curve. But basically I believe in progress.]

Republican Star Believes in Nationalizing Industry, Not Banks

That was my reaction when I saw this from brownfield (the piece mentions Bobby Jindal as involved in the negotiations):

Poultry processor Pilgrim’s Pride has rejected the latest offer from the State of Louisiana and Foster Farms for the plant in Farmerville, Louisiana. As part of Chapter 11 restructuring, Pilgrim’s Pride announced in February it is going to idle the plant which employs 1,300 people. The State of Louisiana offered to go 50-50 with California-based Foster Farms to buy the plant for $40 million. Pilgrim’s Pride rejected that offer saying it was not enough.

Most Amusing Sentence (for a Cynic of Goo-Gooism)

From a Farmgate piece:

"Recently an agricultural policy analyst for the Congressional Research Service also looked at the ACRE program in an effort to explain to Members of Congress what they had done in creating it."

Deprivatizing the Iraq War

This Post article from Monday reports on the phase-out of private contractors in Iraq, partially by converting from contractor personnel back to government. Much of it is due to Blackwater's being no longer welcomed by the Iraqi government. And to the fact the agreement between the US and Iraqi government doesn't cover private contractors, so their possible use of force is not protected.

Thus, the US is moving some work (and the experts) back into government. That way, the people are government employees protected under the US-Iraq agreement.

As I've said before, there's always trade-offs, in this case the flexibility of private contractors has both bad and good aspects.

Blogging Without Knowledge

A cynic might say my title fits all bloggers. But it fits this post. I've done no research into cryonics. But I do follow Robin Hanson at Overcoming Bias, who seems to have that bee in his bonnet. The problem I have with freezing my brain in the hopes of future technological advances is: my brain is used, not just previously owned, but used. It's got lots of miles on it. So my choice is: kill myself now, before my brain is entirely defunct in the hope of a future refurbishment which still preserves my memories (some I'd gladly forget), knowledge and personality or continue on. There's no mystery which I'd choose, and which choice most any human will take.

You Think?

From Power Line:
"The 2002 NIE estimate claiming that Iraq possessed weapons of mass destruction seems to have been wrong"

Vilsack, Congress, and the Pay Limit

Secretary Vilsack is still plugging the changes in payment limits according to Chris Clayton (wrote a letter to the Des Moines Register) and here, despite the fact the House Ag is four-square against
and here

I think (and since I started this 3 days ago, most have agreed) OMB or the Department screwed up the original proposal in the budget--it sort of makes sense that if the Census shows farms with gross income < $500,000 decreasing to tie your proposal to that metric. Except it doesn't, if you know anything about farming or had some history in the farm programs, so I agree with Peterson's guess that it wasn't really staffed with USDA. That aside, if you like the point of the policy, the metric can always be fixed. Use an AGI of $x. Or, adopt my pet idea, a graduated reduction based on AGI, following the EU.

Senators Are Like Horses

Publicity about "Sunshine Week"--making government more open. But a cautionary note pops up in a Post op-ed on the Charles Freeman fight (the pick for the National Intelligence Council who withdrew). The writer, in minimizing the importance of the council, notes the National Intelligence Estimate prepared before the Iraq war was read by only 6 senators, and 77 voted in favor of the resolution. So senators are like horses, you can make the document available, but you can't make them drink it in.

The Decline of Garbage, and the Post

The Washington Post has an article on the decline of garbage (the Post itself is in decline--it announces it's doing away with its separate business section) because people are cutting back in the recession. A sidebar, not online, says the U.S. had 250 million tons of garbage, 12 percent of which was food, or 30 million tons. That means about 100 pounds per person per year. Sounds high, although I suspect it includes stuff like my grapefruit rinds, apple cores, and coffee grounds. But it's also my share of the fruits and vegetables which get rejected at the grocery.

Apparently most of the drop is in packaging, which is the single most common category of garbage--we're buying less so tossing less styrofoam and cardboard.

NRCS Is Right Behind (Stimulus)

NRCS has a signup for floodplain easements, using stimulus funds.

Intriguing Title

Implementation of a Dose Standard After 10,000 Years

And the Winner: Kansas State FSA Office (Stimulus)

It's the first FSA office to claim it has disbursed stimulus funds (for farm operating loans), at least whose claim has reached the media. See this link

Our British Cousins Have Their Own Problems of Identity

This is a post from Musings of a Stonehead, a "crofter" in Scotland dealing with his problems with credit rating agencies. I found it fascinating. Reading between the lines, in the UK the social security number (or its British equivalent, if any) is not used to coordinate financial data between the different credit raters (apparently the UK has the same ones we do). That puts the burden on matching names and addresses. As in the U.S., rural addresses are likely more free form than urban ones, which is the problem the Stonehead ran into. It's not clear whether the UK has the equivalent of 911 addresses. (For city readers, most, perhaps all, rural counties in the US have now assigned numeric street addresses to their rural residences so that responders to911 emergency calls can be given a specific destination.)