The White House and Congress have been laboring for nearly a year on what they insist on calling “reform,” and the fruit of their labor is captured perfectly by Arnold Kling:
The result is a Rube Goldberg scheme of penalties and inducements, creating a system that is ripe for gaming.
Yep. If the great minds at White House and their bumbling assistants in Congress were designing an umbrella, they would no doubt produce something like the following:
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