Dear Governor Josh Green, MD

“Sudden And Unexpected”

@toobaffled

by Dr. Jim Meehan, MD:

“I will no longer vaccinate my children…

…because I am a well trained medical doctor and former medical journal editor that has studied the vaccine research and analyzed both sides of the evidence.

…because I know how to read the medical literature, recognize bias and discern characteristics of good and fraudulent research.

…because I know that too much of the science supporting vaccines is fraudulent drivel bought and paid for by the vaccine manufacturers themselves.

…because I understand the risks of vaccination as well as the benefits of my children and grandchildren encountering and overcoming the wild type diseases naturally.

…because I know that diseases like mumps, measles, and chickenpox aren’t dangerous and untreatable diseases that justify the risk of injecting toxic ingredients into the tissues of my children.

…because I have seen the evidence of neurotoxicity from ingredients like aluminum, polysorbate 80, human DNA and cellular residues from the human cells lines upon which many of the live viruses are grown.

…because I’ve seen vaccine manufacturers like Merck promote what they knew was bad medicine for profit, kill 60,000 patients with Vioxx, and I have no reason to believe that they wouldn’t do the same thing with vaccines, especially when you consider they can’t be sued when their vaccines maim or kill children.

…because I believe the vaccine industry has thoroughly corrupted the science and safety of vaccines. …because I recognize the aggressive and unreasonable tactics of a multi-billion dollar pharmaceutical industry desperately working to maintain the illusion of vaccine safety, keep consumers consuming, grow their markets, and increase their profits.

…because I have met so many families whose children were stolen from them by the battery of vaccines administered at pediatric vaccine visits.
…because I believe the U.S. vaccination program has become a progressively dangerous assault on the health and lives of the children of America.

…because I am awake and aware, I will not vaccinate, nor will I remain silent as the pharmaceutical and medical industries pretend that vaccines are safe and effective…”

Bravo Doc!

With reference to Hawaii Governor Green’s comments here:

Related posts on my blog:

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Bhattacharya Truth finally

Dr. Jay Bhattacharya is now in Dr. Tony Fauci’s old job, appointed by President Trump and confirmed by the U.S. Senate.

Dr. Bhattacharya says, “Lockdowns were a catastrophic mistake. We should recoil with horror. Covid policies violated medical ethics and crushed ability for physicians and scientists to discuss facts…we were silenced…”

Jayanta Bhattacharya (born 1968) is an American physician-scientist[1] and health economist[2] who has served as the 18th Director of the National Institutes of Health since 2025. Bhattacharya is a professor of medicine, economics, and health research policy at Stanford University. He is an investigator at Stanford’s Center for Demography and Economics of Health and Aging. His research focuses on the economics of health care.[3][4][5] In November 2024, President-elect Donald Trump named Bhattacharya as his choice to lead the National Institutes of Health,[6] and he was confirmed by the United States Senate on March 25, 2025.[7]

Bhattacharya opposed the lockdowns and mask mandates imposed in 2020 as a response to the COVID-19 pandemic.[8][9] With Martin Kulldorff and Sunetra Gupta, he was a co-author in 2020 of the Great Barrington Declaration.

https://en.wikipedia.org/wiki/Jay_Bhattacharya

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Shoulda woulda coulda

Doctors should have written or at least said the following to any patient or their child before any COVID shots:

“This is an experimental drug. Since it is still in Phase II testing (the first long term testing phase), I cannot provide a risk-benefit analysis; we do not know the long term effects the COVID vaccine might cause. Death is a risk. No one can force you to take this vaccine, the choice is yours (or in the case of minor children, the choice is their parents). COVID survival rates vary according to age and co-morbidities; survival rates are over 99.4% for most people. Early treatment with monoclonal antibodies, ivermectin, hydroxychloroquine and other medications is an alternative. Pfizer studies showed an absolute risk reduction in contracting COVID of 0.84% after receiving the vaccine. Pfizer did not study prevention of transmission, hospitalization or death, severity of breakthrough infection, or long term safety data. Manufacturers will not beheld liable if you suffer a complication after taking this vaccine.”

Thanks to Mary Talley Bowden MD

@MdBreathe

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US Supreme Court Rejects Long Running Youth Climate Lawsuit

Source: US Supreme Court Rejects Long Running Youth Climate Lawsuit

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The Trump Economic Plan

2.5 minutes

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Are you the problem?

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Time for the Trump DOJ and FBI to Deal the Pain

by Kurt Schlichter on Townhall.com March 20, 2025 (bio below)

We’ve all seen those uppity federal judges presuming to tell the executive branch when it can deport enemy aliens, when it can fire useless government flunkies, and when members of the administration must stand or sit to pee. Like much of the lawfare against Donald Trump, this craziness is going to come to nothing. It’s all going to turn to ashes in their soft, girlish little hands. But here’s the thing – we control federal law enforcement right now. That means we get to set the agenda, and we need to ruthlessly and brutally use the law to defeat our enemies’ outrageous and disgraceful attacks upon patriotic Americans.

Here are three great examples of where we can leverage the power we have from standing at the helm of federal law enforcement to get the kind of results we need to make the changes we want. Remember, we’re not here for the short haul. We don’t want to do things they will easily roll back. We want to establish precedents, and we want to establish an understanding on the part of our enemies that we’re going to hit them back twice as hard when they wage lawfare on us. The one thing we’re not going to do is something they tried to do. We’re not going to frame people. That’s morally wrong and unAmerican, and God has something to say about that in the Ten Commandments, so that’s never something we can do. But we don’t need to lie about them. We have only to address what they’re actually doing. And they’re doing a lot of bad things.

Let’s start with that autopen pardon thing. The demented eggplant who was masquerading as our president for the previous four years allegedly pardoned hundreds and hundreds of weirdos, losers, mutations, degenerates, and congresscreatures, to the extent that’s any different, before his humiliating ejection from office. However, people noticed that these pardons were not signed by hand. Rather, his handlers used an autopen. That’s a device that signs someone’s name mechanically. Presumably, it is done at the guidance and behest of the person whose name is being affixed to the document. This is where the controversy comes in. Joe Biden seems manifestly unable to have understood what he was doing with regard to these pardons.

So, the question is whether these pardons are legitimate and enforceable. The president’s pardon power is very broad, and nothing in the Constitution requires him to sign the document granting one personally. In fact, there’s nothing that requires a pardon to be in writing at all. It’s a plenary power, and arguably he can pardon someone simply by waving his hand and uttering the words “I pardon thee.”

Here’s my take and some people aren’t going to like it. He can autopen pardons all day long, and they’re absolutely effective. The discrete autopen issue is a certain loser in the courts, and it should be. But the question really isn’t how something got signed but, rather, whether Joe Biden actually meant to issue these pardons of all sorts of scumbag criminals or whether he, in his advanced state of dementia, thought he was signing off on a proclamation proclaiming National Ice Cream Cone Day.

His competence to issue these pardons is a real issue. Let me give you some more lawyer analysis you might not like. This theory has a practical problem. It’s going to be very hard, if not impossible, to prove he didn’t know what he was doing. The burden of proof would almost certainly fall on the government to invalidate the pardon rather than on the accused criminal asserting it. Then there’s the legal problem – it’s not clear that he had to know what he was doing specifically when granting pardons. He was president; he had not been removed by the 25th Amendment. So, you have an issue of proof – how do you prove he did not mean to give a specific pardon? – and a practical issue of law – does he even have to mean to give a specific pardon? I think the answer – after doing law for 30 years – will probably be that the first one can’t be proven and that he does not have to specifically know what he’s doing as long as he holds office. Sorry.

But hey, who cares what I think? That issue is not for me to decide. Other lawyers and judges might think differently, and I have (rarely) been wrong before. This important issue – it actually is an important issue – sounds like something that should be decided through litigation. How do you get this issue before the courts? Well, the courts don’t issue advisory opinions, so there must be a case or controversy between the United States government and some individual where the validity of a Biden pardon is at issue. That means the Trump administration should consider pressing charges against one of the allegedly pardoned individuals. 

Once again, we’re not here to frame people. It must be a real crime. But if there is a real crime and the only bar to prosecuting it is the alleged pardon, why not try it? Let the pardon recipient litigate it. Perhaps there is probable cause to believe that Adam Schiff or Liz Cheney is guilty of a crime for which they could be prosecuted but for the alleged pardon. If that evidence exists, and the DOJ has evidence of Joe’s incompetence – maybe it could just offer into evidence the video of the debate with Trump – why not give it a try? Make it a test case. Sure, that legal argument has never been used before and might get thrown out by the Supreme Court. But hundreds and hundreds of J6 defendants had to defend themselves against a novel legal theory brought by DOJ prosecutors which was eventually rejected completely by the Supreme Court, so cry me a river, Adam and Liz.

I warned you guys about the new rules. But you didn’t listen.

Next, we’ve got a real federal civil rights problem in Illinois. In the town of Deerfield, three middle-aged white women employed by the school allegedly tried to force 13-year-old girls to get naked in front of a boy. Of course, the boy was pretending to be a girl. Now, as a lawyer, I know there are always two sides to every story, and the girls’ allegations have not been heard or challenged. Further, when you hear something that sounds completely insane, you should at least take a moment to think that maybe there’s more to it than you have been told. But on the other hand, I can totally see committed leftist women allowing their SSRI-driven wokeness to drive them to do something horrible like this. 

Illinois is a leftist state with a leftist court system and a fat leftist governor, so the victims will get no relief by going to child protective services, though in a just society they could. Governor Hindenburg would never let a conviction stand – he would give them medals. No, this is akin to the Southern states during the Civil Rights Movement when local governments would not prosecute KKK killers. This is Illinois Burning. This requires federal intervention. 

There are federal civil rights violations, and the FBI under Kash Patel and Dan Bongino should step in and investigate the facts to get the full story. Hopefully, this will all prove to be a misunderstanding because it sounds pretty horrible. But if the facts come out as they have been reported, this was a potential crime that can be prosecuted in the federal courts. The federal government should put these monsters on notice that they will be punished for real if they do these things, and complicit blue state governors and courts will not be able to protect them from justice.

The third issue is swatting, and this one could actually kill people. Swatting occurs when a leftist calls a police department and sends them to a conservative’s house late at night claiming that the conservative has committed murder, has a gun, and is holed up inside the house. Well, you don’t have to be a genius to see how that could go very wrong. You have heavily armed, hyped-up cops going to what is probably a heavily armed citizen’s home in the middle of the night. That’s a recipe for somebody getting killed, whether it is somebody whose crime was participating in the political debate, or his kid, or a cop. And it’s happening a lot. The leftists are doing it all over the place and not just against big names. They apparently think it’s okay to murder political opponents and anyone else who gets in the way. We need to squash that like a bug.

Even assuming a local blue state law-enforcement agency would be willing to spend time on this kind of criminal activity, the technological issues of finding who is making the swatting calls require more advanced resources. The FBI has that technology and experience. It also has the mandate. The use of telephonic communication is squarely within federal jurisdiction—ever heard of wire fraud?

Kash Patel has already tweeted that this is a priority, but it needs to be a super-mega priority. We cannot allow political murder in our society because it won’t stop with false police reports. If it has not already happened, we need an FBI task force to get on it, and there are lots of FBI agents without much to do now that we’re not arresting people for praying about abortion or taking selfies in the Rotunda anymore. And these crimes must be charged as what they are: attempts to murder political opponents. This can also involve civil rights crimes because these actions are self-evidently designed to intimidate people into not exercising their right to free speech and to participate in the political process. It’s hard to imagine a more vicious attack on democracy than trying to kill other people for participating in it. There must be no mercy for these monsters.

So, that’s three great initiatives for federal law-enforcement, but there are so many others out there. We need to show that the Department of Justice will no longer target just us. We’ve got the reins until at least January 2029, so let’s ride this horse hard and put it away wet.

Follow Kurt on Twitter @KurtSchlichter. Get the newest volume in the Kelly Turnbull People’s Republic series of conservative action novels set in America after a notional national divorce, the bestselling Amazon #1 Military Thriller, Overlord! And get his new novel about terrorism in America, The Attack!

Look, you need to keep up the fight by joining Townhall VIP right now. You get access to a bunch of great stuff, not the least of which is my extra Wednesday column, my weekly Stream of Kurtiousness videos every Friday, and the Unredacted podcast every Monday! Plus, some stuff from Larry O’Connor – and a bunch of other stuff.

Read the original here: https://townhall.com/columnists/kurtschlichter/2025/03/20/time-for-the-trump-doj-and-fbi-to-deal-the-pain-n2654034

Biography

Kurt Schlichter (Twitter: @KurtSchlichter) was personally recruited to write conservative commentary by Andrew Breitbart. He was a Los Angeles trial lawyer, is a retired Army Infantry colonel with a masters in Strategic Studies from the United States Army War College, and is a former stand-up comic.

He is a frequent guest on Fox News, Newsmax, and elsewhere, and he appears on air with such luminaries as Hugh Hewitt, Larry O’Connor, Tony Katz, and Chris Stigall, among others. 

He is also the author of “People’s Republic” Kelly Turnbull novels and the novel “The Attack.” As an Army officer, he commanded a cavalry recon squadron, and served in Desert Storm and Kosovo as well as multiple disaster operations. He lives in the South Bay area of Los Angeles where his hobbies include red meat and red wine. His favorite caliber is .45.

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Judges vs. America: How the Deep State Is Overruling Your Vote

by Kevin McCullough | Mar 20, 2025 on https://townhall.com/

Another day, another judicial blockade. Three more executive orders—each designed to advance the will of the American people—were unceremoniously put on ice by unelected black-robed obstructionists yesterday. That brings the total to 15 since President Trump took office in January 2025. That’s 15 direct assaults on the policies Americans voted for when they rejected the corruption and incompetence of the radical left.

Let’s be clear: This isn’t about “the law,” “checks and balances,” or “democracy” (a term the left constantly redefines). This is about deep-state operatives and activist judges blocking reform, hamstringing the administration’s efforts to clean up the mess left behind by Biden’s regime. The same establishment class that spent four years ignoring open borders, skyrocketing inflation, and a weaponized FBI now insists that every procedural technicality be followed before President Trump can act.

Consider what was just blocked. Among the three executive orders frozen yesterday was one expediting the deportation of violent criminal aliens, another targeting the corruption that allows bureaucrats to profit from their positions, and a third cracking down on federal grants abused by activist organizations masquerading as nonprofits.

Let me repeat that: judges intervened to stop the removal of dangerous criminals, protect corrupt bureaucrats, and ensure taxpayer money keeps flowing to left-wing political groups.

Someone, somewhere, please explain to me what law requires America to fund its own destruction. I’ll wait.

Of course, there is no such law. What we’re seeing is a coordinated legal resistance—engineered by well-funded leftist legal outfits, cheered on by corporate media, and rubber-stamped by judges who treat the Constitution as a Choose Your Own Adventure novel. The game is “Lawfare,” an endless stream of lawsuits designed to bog down the administration, tie up policies in court, and hope Trump runs out of time.

The pattern is unmistakable. The first round of blocks targeted Trump’s border security orders—because apparently, enforcing immigration laws is radical. Then came economic reforms meant to rein in the unelected bureaucracy—blocked. Now, it’s anti-corruption measures. What’s next? Will a judge rule that Trump breathing unapproved air is unconstitutional?

What makes this even more infuriating is the hypocrisy. Biden issued 117 executive orders in his first year alone, many of which reshaped policy overnight—no pushback. When he unilaterally extended the eviction moratorium, despite the Supreme Court ruling it unconstitutional, the CDC did it anyway—no lawsuits, no injunctions. When he ordered OSHA to impose a vaccine mandate on private businesses, blatantly exceeding executive authority, the courts took months to respond—by then, the damage was done.

But the second Trump lifts his pen? Emergency lawsuits! Nationwide injunctions! Indignant CNN panels! The entire system is wired to protect the left’s interests while kneecapping anyone who challenges them.

So, who wins when judges override the duly elected president? The usual suspects. Open-borders cartels, government grifters, climate racketeers, and Washington bureaucrats who treat elections as suggestions. These are the people desperate to stop Trump’s America First agenda.

Trump already faces a hostile media, a corrupt DOJ, and a rabid opposition. Now, unelected judges have decided that the voters’ will is subject to their personal whims. The left couldn’t stop Trump at the ballot box, so now they’re trying to stop him in the courts.

Here’s the bottom line: if this continues, the presidency will cease to function. We will enter an era where only Democrat presidents get to govern, while Republican presidents are treated as placeholders under legal supervision. Elections will become meaningless. Activist courts will veto the will of the people, ensuring permanent rule by lawsuit.

That is the endgame. If they can paralyze Trump, they can paralyze any future Republican. If they can stall every executive action with endless legal challenges, no conservative reform will ever see the light of day. The left isn’t trying to “uphold the rule of law.” They are weaponizing the legal system to nullify elections they don’t like.

So, what do we do? First, Republicans in Congress must fight back. They control the House and have leverage in the Senate—use it. Stop funding corrupt agencies waging war on this administration. Demand accountability from judges who repeatedly overstep their authority. Treat this legal warfare as the existential threat it is.

Second, we need to fix the courts. The next Supreme Court vacancy must go to a warrior, not a compromiser. Lower courts must be purged of ideological activists who see themselves as policymakers. The left spent decades infiltrating the judiciary, and now we are reaping the consequences. If we don’t take judicial appointments seriously, we might as well surrender now.

Finally, the American people need to wake up. This is not just a legal battle. It is a fight over whether the people we elect actually get to govern. If unelected judges systematically dismantle the America First agenda, our votes will become meaningless.

The courts have become the last line of defense for the corrupt status quo. If we don’t fight back now, they will bury Trump’s reforms in legal quicksand and ensure no outsider ever challenges their grip on power again.

The question is simple: Who runs this country—the voters, or the judges? If we don’t settle that now, we may not get another chance.

Read the original here: https://townhall.com/columnists/kevinmccullough/2025/03/20/judges-vs-america-how-the-deep-state-is-overruling-your-vote-n2654089?utm_source=thdaily&utm_medium=email&utm_campaign=nl&bcid=d0073504a6c6af3b7f447560940151bd5fb46cacd10d64c295a5aecec2cf9406&lctg=27342845

Biography

Kevin McCullough (@KMCRadio) breaks news as it happens in New York on Salem Media’s AM 570/970 weekday afternoons. He’s nationally syndicated. He operates a boutique media firm which produces broadcast/podcast content airing on 1600+ outlets, seven days per week. He’s a 3 time best-selling author. He’s committed to God, his family, and his fellow man. He is burdened by injustice. He pursues clarity above everything… and wishes more people would to!

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The ongoing covid disaster, deaths and maiming

Reports on three studies below with pdfs attached and a report below by a very large life insurance company on excess deaths. A link to a review of the 3rd study is down below also.

Aloha,

Bud

  1. Summarized by Nicolas Hulscher, MPH @NicHulscher
    Epidemiologist and Administrator at the McCullough Foundation (@mcculloughfund)
    https://thefocalpoints.com This study aimed to evaluate the risk of adverse events of special interest (AESI) following COVID-19 vaccination from 10 sites across eight countries.

The largest COVID-19 “vaccine” safety study ever conducted, involving 99 million individuals, confirmed that the injections are NOT SAFE FOR HUMAN USE:

➊ 610% increased risk of myocarditis following mRNA platform injection.

➋ 378% increased risk of acute disseminated encephalomyelitis (ADEM) following mRNA injection.

➌ 323% increased risk of cerebral venous sinus thrombosis (CVST) following viral-vector injection.

➍ 249% increased risk of Guillain-Barré syndrome (GBS) following viral-vector injection.

https://www.sciencedirect.com/science/article/pii/S0264410X24001270?via%3Dihub  and attached as pdf

  1. “Review: Calls for Market Removal of COVID-19 Vaccines Intensify as Risks Far Outweigh Theoretical Benefits”
  • Widespread & Unified Calls for Market Withdrawal – More than 81,000 physicians, scientists, and concerned citizens, 240 elected officials, 17 public health & physician organizations, 2 State Republican Parties, 17 GOP County Committees, and 6 global studies demand immediate removal. ⚰️
  • Excess Mortality – 12 studies and VAERS confirm mass COVID-19 ‘vaccination’ led to a catastrophic number deaths — up to 17 million. ⚠️
  • FDA Class I Recall Indicated – 37,544 VAERS-reported deaths exceed past vaccine recall limits by up to 375,340%. 📉
  • Negative Efficacy – 6 studies have demonstrated that COVID-19 ‘vaccination’ increases your risk of SARS-CoV-2 infection. 🧬
  • DNA Contamination – 11 reports have found DNA contamination in COVID-19 vaccines, documented across multiple manufacturers, vaccine platforms, and geographic regions, with levels exceeding regulatory thresholds by up to 65,500%. Please share this study far and wide so we can finally put an end to the catastrophic COVID-19 “vaccination” program and initiate the justice phase of the pandemic.

Summarized above by @P_McCulloughMD, @McCulloughFund, @MdBreathe

  1. Https://dailysceptic.org/2025/03/19/the-study-showing-the-mrna-vaccine-cancer-link-that-they-don’t-want-you-to-see/

The Study Showing the mRNA Vaccine Cancer Link That They Don’t Want You to See  (study attached pdf)

Review by Rebekah Barnett at the link immediately above of the study.  19 March 2025 1:00 PM

  1. Crossroads Report

BREAKING: Fifth largest life insurance company in the US paid out 163% more for deaths of working people ages 18-64 in 2021 – Total claims/benefits up $6 BILLION

Company cites “non-pandemic-related morbidity” and “unusual claims adjustments” in explanation of losses from group life insurance business: Stock falling, replaces CEO

by Margaret Menge

Jun 15, 2022


Five months after breaking the story of the CEO of One America insurance company saying deaths among working people ages 18-64 were up 40% in the third quarter of 2021, I can report that a much larger life insurance company, Lincoln National, reported a 163% increase in death benefits paid out under its group life insurance policies in 2021.

This is according to the annual statements filed with state insurance departments — statements that were provided exclusively to Crossroads Report in response to public records requests.

The reports show a more extreme situation than the 40% increase in deaths in the third quarter of 2021 that was cited in late December by One America CEO Scott Davison — an increase that he said was industry-wide and that he described at the time as “unheard of” and “huge, huge numbers” and the highest death rates that have ever been seen in the history of the life insurance business.

The annual statements for Lincoln National Life Insurance Company show that the company paid out in death benefits under group life insurance polices a little over $500 million in 2019, about $548 million in 2020, and a stunning $1.4 billion in 2021.

From 2019, the last normal year before the pandemic, to 2020, the year of the Covid-19 virus, there was an increase in group death benefits paid out of only 9 percent. But group death benefits in 2021, the year the vaccine was introduced, increased almost 164 percent over 2020.

Here are the precise numbers for Group Death Benefits taken from Lincoln National’s annual statements for the three years:

2019: $500,888,808

2020: $547,940,260

2021: $1,445,350,949

Here are the key numbers for 2021, below, shown on the company’s annual statement that was filed with the Michigan Department of Insurance and Financial Services. These are national numbers, not state-specific:

Lincoln National is the fifth-largest life insurance company in the United States, according to BankRate, after New York Life, Northwestern Mutual, MetLife and Prudential.

The company was founded in Fort Wayne, Indiana in 1905, getting the OK from Abraham Lincoln’s son, Robert Todd Lincoln, to use his father’s name and likeness in its advertising.

It’s now based in Radnor, Pennsylvania.

The annual statements filed with the states do not show the number of claims — only the total dollar amount of claims paid.

Group life insurance policies, in most cases, cover working-age adults ages 18-64 whose employer includes life insurance as an employee benefit.

How many deaths are represented by the 163% increase? It is not possible to determine by the dollar figures on the statements.

But the average death benefit for employer-provided group life insurance, according to the Society for Human Resource Management, is one year’s salary.

If the average annual salary of people covered by group life insurance policies in the United States is $70,000, this may represent 20,647 deaths of working adults, covered by just this one insurance company. This would represent at least 10,000 more deaths than in a normal year for just this one company.

The statements for the three years also show a sizable increase in ordinary death benefits — those not paid out under group policies, but under individual life insurance policies.

In 2019, the baseline year, that number was $3.7 billion. In 2020, the year of the Covid-19 pandemic, it went up to $4 billion, but in 2021, the year in which the vaccine was administered to almost 260 million Americans, it went up to $5.3 billion.

The statements show that the total amount that Lincoln National paid out for all direct claims and benefits in 2021 was more than $28 billion, $6 billion more than in 2020, when it paid out a total of $22 billion, which was less than the $23 billion it paid out in 2019, the baseline year.

$6 billion increase in expenses is something few companies could absorb, but Lincoln National has been working to do just that — by increasing sales of new insurance polices.

In the press release accompanying its annual report, and in its press release announcing the first quarter 2022 results — in which the company announces a $41 million loss in its Group Protection business — it trumpets an increase in sales. For first quarter 2022 that increase was 42 percent. The company also mentions that premiums have gone up 4 percent.

Interestingly, in the press release accompanying the first-quarter 2022 results, Lincoln National attributes the $41 million operating loss to “non-pandemic-related morbidity” and “unusual claims adjustments.”

“This change was driven by non-pandemic-related morbidity [emphasis added], including unusual claims adjustments [emphasis added], and less favorable returns within the company’s alternative investment portfolio.”

Morbidity, of course, means disease. A lot of people are sick.

This matches what I was told by OneAmerica in January in emails following the publication of my story in The Center Square — that it was not only deaths of working-age people that shot up to unheard-of levels in 2021, but also short- and long-term disability claims.

Annual statements for other insurance companies are still being compiled and reviewed. So far, Lincoln National shows the sharpest increases in death benefits paid out in 2021, though Prudential and Northwestern Mutual also show significant increases — increases much larger in 2021 than in 2020, indicating that the cure was worse than the disease — much worse.

Lincoln National’s stock price fell from about $70 a share on January 3 to $50 a share this week, and last month, a new CEO was installed. It doesn’t appear to be a sudden change, but could have been timed to assuage major shareholders who have no idea what’s really happening and may think that a fresh face and fresh ideas can turn this around. Could I suggest instead an honest and thorough assessment of what’s really driving these stunning numbers?

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Low Energy-IQ Politicians, Be Gone! Reblog of post by Ron Clutz with added comment

Bud: What is the difference and meaning of buffered vs unbuffered EROI?

Grok 3 beta (03/20/2025 1:10 PM HST): In the context of energy systems, EROI stands for Energy Return on Investment, a metric used to evaluate the efficiency of an energy source by comparing the amount of energy it delivers to the amount of energy required to produce it. The terms “buffered” and “unbuffered” EROI refine this concept by addressing how energy inputs and outputs are accounted for, particularly in relation to societal energy needs and system boundaries.

Unbuffered EROI

  • Definition: Unbuffered EROI (sometimes called “standard EROI” or “point-of-extraction EROI”) measures the energy return at the point where the energy resource is extracted or produced, without considering the additional energy costs required to refine, transport, or convert it into a form usable by society.
  • Meaning: It focuses solely on the direct energy inputs and outputs at the source. For example, in oil production, unbuffered EROI would compare the energy content of crude oil extracted from a well to the energy spent drilling and pumping it out, ignoring downstream processes like refining or distribution.
  • Formula:

Unbuffered EROI=Energy Output (e.g., crude oil energy content)Energy Input (e.g., extraction energy)\text{Unbuffered EROI} = \frac{\text{Energy Output (e.g., crude oil energy content)}}{\text{Energy Input (e.g., extraction energy)}}\text{Unbuffered EROI} = \frac{\text{Energy Output (e.g., crude oil energy content)}}{\text{Energy Input (e.g., extraction energy)}}

  • Significance: This gives a raw, high-level view of an energy source’s efficiency but can overestimate its practical value because it doesn’t account for the energy losses or investments needed to make the energy usable.

Buffered EROI

  • Definition: Buffered EROI (sometimes referred to as “net EROI” or “delivered EROI”) expands the system boundary to include additional energy costs beyond extraction, such as processing, refining, transportation, and delivery to the end user. It reflects the energy available after these “buffering” steps.
  • Meaning: This metric provides a more realistic picture of how much usable energy society actually gets from a resource. For instance, in the oil example, buffered EROI would subtract the energy used to refine crude oil into gasoline and transport it to gas stations, giving a lower but more practical value.
  • Formula:

Buffered EROI=Energy Delivered to SocietyEnergy Input (extraction + processing + transport, etc.)\text{Buffered EROI} = \frac{\text{Energy Delivered to Society}}{\text{Energy Input (extraction + processing + transport, etc.)}}\text{Buffered EROI} = \frac{\text{Energy Delivered to Society}}{\text{Energy Input (extraction + processing + transport, etc.)}}

  • Significance: It highlights the diminishing returns as energy systems become more complex or as higher-quality energy (e.g., electricity) is required to support the process, making it more relevant for understanding energy sustainability.

Key Differences

  1. System Boundary:
    • Unbuffered: Narrow focus on extraction/production.
    • Buffered: Broader focus, including downstream energy costs.
  2. Value:
    • Unbuffered EROI is typically higher because it ignores additional energy losses.
    • Buffered EROI is lower but more representative of real-world usability.
  3. Application:
    • Unbuffered: Useful for comparing raw energy potential across sources (e.g., oil vs. solar at the point of capture).
    • Buffered: Better for assessing an energy source’s contribution to societal needs or economic viability.

Example

  • Solar Panels:
    • Unbuffered EROI might measure the energy generated by a solar panel divided by the energy used to manufacture it, yielding a high ratio (e.g., 10:1).
    • Buffered EROI would also subtract energy losses from storage (e.g., batteries), transmission, and conversion inefficiencies, resulting in a lower ratio (e.g., 4:1).
  • Oil:
    • Unbuffered EROI for a new oil field might be 20:1 (energy in crude oil vs. drilling energy).
    • Buffered EROI might drop to 5:1 after refining and transport costs are included.

Why It Matters

The distinction is critical for energy policy and sustainability debates. A high unbuffered EROI might make an energy source look promising, but a low buffered EROI could reveal that it’s less viable when all societal costs are considered. As energy transitions progress (e.g., from fossil fuels to renewables), buffered EROI becomes increasingly important to ensure the net energy available supports civilization’s needs.

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