If you've applied for a mortgage recently, you know how hard it can be. The bank demands all kinds of obscure documents and wants proof of almost every asset you own. But an innovative mortgage program halfway around the world will evaluate your application without any extra documentation — and if you're approved, it will give you a 15-year fixed-rate mortgage. There's just one catch: The mortgages are only for low-income people in Cambodia. The program is a throwback to the days when bankers got to know their customers — and trusted them.
It's a funny thing about dictionaries. First we're taught to revere them, then we have to learn to set them aside. Nobody ever went wrong starting a middle-school composition with, "According to Webster's ..." but that's not how you start an op-ed commentary about terrorism or racism. When it comes to the words that do the cultural heavy lifting, we're not about to defer to some lexicographer hunched over a dusty keyboard.
As a Mormon missionary, Ryan McIlvain spent two years ringing strangers' doorbells, even as he experienced doubts about his own faith. McIlvain left the church in his mid-20s. His debut novel, Elders, is based on the experiences he had trying to convert people to join the Church of Jesus Christ of Latter-day Saints. "Elder" is the term used for a young Mormon on his mission.
It's hard to determine how seriously to take these threats. War on the Korean Peninsula could be catastrophic, so the bluster can't be dismissed. On the other hand, North Korea has a long history of hyperbole, of making threats it doesn't follow through on.