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Friday, October 9, 2026

The Allegory of the Clan: Just Imagine the Long Term Outcomes of Different Lenses?

(Illustrative Only)
Two lenses.
If they can't see it
they they can't align
it. Ignorance,
greed, corruption and
hate damages us all.




We can continue exploring the learning story called the Allegory of the Clan, modeled after Plato’s Allegory of the Cave. The basic idea is simple: the deeper we go, the more we are able to see. Such seeing is part of the concepts of awareness and in turn the precursors to enlightenment (in its practical form). 

(Just as a side philosophical thought. Is it possible that the individual and collective change in our brain's development leads to greater insight and societal change? Can enlightenment be traced to specific neural correlates, cognition, or behavior? No, and (a qualified) Yes)

For this philosophical experiment, imagine a society divided between an in-group and an out-group. The in-group is viewed as more valuable, legitimate, or deserving, while the out-group is treated as less worthy. This distinction may not always be openly stated. It can exist through traditions, assumptions, institutions, and unwritten social rules.

When members of the out-group repeatedly fail to receive justice, something larger begins to emerge. Individual failures become patterns. A lack of checks and balances allows misconduct to continue, and institutions begin producing outcomes that are difficult to explain as isolated mistakes.

Imagine, for example, that minorities are openly targeted, women are exploited, serious complaints are ignored, illegal money is obtained, and insiders become financially enriched by the system. Imagine that victims bring these problems forward, but the courts or other institutions protect the people responsible because acknowledging the wrongdoing would create political, financial, or institutional liability (In theory).

The victims are then blamed, ignored, or pushed aside.

The community challenges the corruption, but the institutions reject the challenge. In doing so, they begin to undermine their own outwardly perceived legitimacy (Depends on perspective and lens.). Witnesses, whistleblowers, and victims lose faith that the system will protect them or that improve if improvement is needed (Think of the implied assumptions and access to decision making. In theory. ). The natural shared understandings break down as a lens solidify based on self conforming logic that intentional discourages outside information (Freedom of speech argument and how that leads to greater overall awareness and decision making.)

History shows why this is dangerous.

When institutions that are supposed to provide accountability instead protects people in in-groups, society begins to lose trust. It is part of the natural system if you step back in the historical perspective. When any group dehumanize others and use institutions to avoid accountability, the situation can become much darker. In its most extreme forms, this kind of thinking has contributed to persecution, ethnic violence, and genocide.

The important question is not simply whether individual people are good or bad. The deeper question is what happens when a system rewards people for promoting their own group instead of protecting the principles of the institution?

That is where the idea of the lens becomes important.

People see the world through the experiences and assumptions they have developed throughout their lives. Someone raised within an in-group may naturally see the system as fair because the system has generally worked for them. Someone in the out-group may experience that same system as unfair because they have repeatedly encountered barriers that the in-group barely notices (Right or wrong is a matter of greater moral debate. We can dub this 'moral conscious'.).

Both people may be looking at the same society while seeing completely different realities. Each is backed by a long list of confirmining thoughts, beliefs, and perceptions built up over decades of socialization. All the way back the lens and early assumptions filter what is seen and what is not seen. The more people listen and understand other perspectives, the more broad knowledge they gain, and greater the overall shared perspectives (In theory).

The danger is that people rarely question their own lens.

A judge, scientist, scholar, politician, or other highly educated person is not automatically free from this problem. Education can provide knowledge, but it does not necessarily remove the assumptions formed through culture, family, institutions, personal experience, or social position.

A person can become highly educated while still interpreting new information through an old framework. You can see this in one sided arguments and it happens in science, politics, daily conversation, and life experience. Those who can play devil's advocate and think of alternatives are much more strategic in their thinking and able to be more accurate with decisions.

They may notice evidence that confirms their beliefs and overlook evidence that challenges them. They may see an individual from an out-group and unconsciously associate that person with negative assumptions about the entire group (....flip the mirror and they may see themselves through thier projections).

This does not always require conscious hatred.

Sometimes the problem is simply that the person cannot see what their own lens prevents them from seeing.

That is why life is a journey of awareness that opens one's lens is so important. The development of full self-actualized individuals is a series of challenges and insights. The same for a person and the same for society.

A society based on freedom and human dignity begins with the idea that every person has value. Laws, constitutions, courts, professional rules, and public institutions are supposed to protect that principle.

They are not supposed to become tools for personal enrichment, political favoritism, or persecution. Thus we must make change when it is found to maimize adaptability and societal performance (A human capital problem).

When officials use public power for private benefit, they violate the purpose for which that power was entrusted to them.

This is why corruption is more than financial misconduct. It can become a failure of the social contract itself (Every society has social contracts. We are self-governed in essence government works for the general will of the people. The democratic experiment continues in historical theory).

The purpose of institutions is ultimately determined by what they do.

If an institution claims to value equality but consistently protects one group at the expense of another, we should examine the outcomes rather than simply the words.

If it claims to value justice but repeatedly protects wrongdoing, we should question whether justice is actually its operating principle.

We do not necessarily need to solve these problems immediately. The first step is learning to see them. Think of their possibilities and then if necessary accept, reject or modify. 

That requires people to examine their own lenses and ask:What assumptions did I inherit?
What do I automatically believe about other groups?
What evidence do I ignore because it challenges my worldview?
Would I judge the situation differently if I belonged to the other group?
Does the institution actually operate according to the values it claims to protect?

These questions can create the possibility of change.

But insight alone is not enough. Leaders must be willing to act on what they learn.

A society becomes stronger when its institutions serve the whole society rather than a narrow group of insiders. It becomes weaker when people use those institutions for personal gain or to protect their own group or party.

The long-term consequences can include greater inequality, concentrated wealth and power, declining trust, social division, and political instability. Ultiately performance as a whole declines (All societies are a type of system. The adaptable, strong and supported ones continue on for centuries.)

Challenging wrongdoing therefore serves more than the immediate victims. It helps protect the institution itself.

The real test of leadership is not whether someone has the best credentials, the most connections, the most polished language, or the most money behind them.

It is whether they can see beyond their own interests. They understand the values of the system, they understand a pathway to solve societal problems to strengthen the whole, and they have the skill to use resources to enact helpful outcomes. Then you get into more granular discussions on short and long term thinking ability, qualities, backgrounds, ethics, etc. 

The best leaders must be able to change lenses—to understand how the same system looks from another person's position and to recognize when their own assumptions are incomplete.

This is especially important for each new generation. The lens changes, as the challenges change, and as we learn. Social and leadership change helps rejuvenate the system. The strength of the system is that it accepts newness because it is made of processes that enact a general will. In other words, its adaptable to new ideas and thoughts to improve (i.e. freedom of speech).

Those coming of age inherit institutions they will adjust and change to the challenges of their times. If bigotry, corruption, hate, etc. are tolerated in some places, even if that is in a minority of places, then there may be adjustments in the future. 

Their responsibility is to question to improve performance. The alternative logic and anchor that may be a reasonable pathway or segway to adjusting the lens (in theory).

The lesson of the Allegory of the Clan is therefore simple:

If your lens never changes, there are things you will never see. In essence you are blind; or at least partially so.

And if a leader cannot see what their lens hides, they may make decisions that benefit themselves or their group while weakening the society and its foundational universal principles they were entrusted to protect.

The goal is not simply to do the right thing.

The deeper goal is to learn how to see what was previously invisible.

That is where meaningful change and thoughfulness begins. or not? 🤔🤷That is up to you.

*The Allegory of the Clan is a philsophical thought experiment. One can accept, reject, change, or adjust as they see fit. Take with a grain of salt. Thinking about it is enough. 

University of Michigan Surveys of Consumers (October 9th, 2026): Short Term ok With Long Term Concerns

October 9th, 2026

ESCANABA MI.-Consumers are becoming more pessimistic about current economic conditions, although the decline in confidence has been modest. Meanwhile, short-term expectations have improved slightly, suggesting consumers believe things may be okay for now.

However, concerns about the long-term economy and rising prices continue to weigh on consumer confidence. With inflation putting pressure on household budgets, consumers may limit unnecessary borrowing and credit card debt to protect their financial stability.

Summary of the University of Michigan Surveys of Consumers
  • The University of Michigan’s Surveys of Consumers measures how people feel about the economy, their personal finances, and future economic conditions.
  • The Index of Consumer Sentiment was 46.3 in October 2026, down from 48.1 in September 2026 and 53.6 in October 2025.
  • The Current Economic Conditions Index fell to 44.7, reflecting increased concerns about current economic circumstances, high prices, and borrowing costs.
  • The Index of Consumer Expectations rose to 47.3 in October 2026 from 46.3 in September, suggesting a slight improvement in consumers’ short-term economic outlook.
  • Inflation expectations increased: consumers expected year-ahead inflation of 4.7%, up from 4.6% in September, while long-run inflation expectations rose from 3.4% to 3.5%. Overall, concerns about the cost of living and economic uncertainty continued to weigh on consumer sentiment.
University of Michigan, Institute for Social Research. (2026). Surveys of consumers. https://www.sca.isr.umich.edu/

Thursday, October 8, 2026

August Wholesale Trade Report 2026

The wholesale trade report provides insight into the role of wholesalers as intermediaries between manufacturers and retailers. It may also offer insight into imports and exports, depending on where the goods and supplies originate. So these stats are tied to other stats to understand a broader economy.

The report presents a somewhat positive outlook, as wholesale inventories are growing. However, it is important to monitor consumer spending, market demand, and supply levels to better understand the potential impacts on specific industries and local communities.

Monthly Wholesale Trade Report: August 2026

  • Wholesale sales in the United States reached $817.5 billion in August 2026, representing a 1.8% increase from July 2026.

  • Wholesale sales increased by 15.6% compared with August 2025, indicating substantial year-over-year growth.

  • Wholesale inventories totaled $964.2 billion at the end of August 2026, increasing by 0.5% from the previous month.

  • Inventories rose 6.4% compared with August 2025, suggesting that wholesalers held more goods in stock than they did a year earlier.

  • The inventory-to-sales ratio was 1.18 in August 2026, down from 1.28 in August 2025, indicating that inventory levels relative to monthly sales were lower than a year earlier.

U.S. Census Bureau. (2026, October 8). Monthly wholesale trade report: August 2026.https://www.census.gov/wholesale/current/index.html 

Unemployment Claims October 8th, 2026: Labor Market Stability Remains Key to Economic Growth

The labor market appears to be maintaining a measure of stability as the broader economy continues to evolve. For businesses and policymakers, that stability remains an important foundation for financial health and long-term economic positioning.

Labor is more than a cost of doing business. A skilled workforce represents a critical form of human capital, providing the expertise and innovation that enable companies to adapt, improve productivity and remain competitive.

The implications extend beyond individual organizations. Strong employment and a capable workforce can reinforce the economic vitality of communities while supporting broader social stability. As economic conditions shift, the ability to develop and maximize human capital will remain central to sustainable growth.

Unemployment Claims October 8th, 2026
  • Initial Claims Decrease: For the week ending October 3, 2026, seasonally adjusted initial unemployment claims dropped to 197,000, a decrease of 2,000 from the previous week's revised level of 199,000.

  • Moving Average: The 4-week moving average for initial claims fell by 2,500 to 198,000.

  • Insured Unemployment: Seasonally adjusted insured unemployment reached 1,716,000 for the week ending September 26, 2026, an increase of 17,000 from the prior week's revised level.

  • Unemployment Rate: The seasonally adjusted insured unemployment rate held steady at 1.1%.

  • Unadjusted Data Highlights: Actual unadjusted initial claims totaled 170,333 (an increase of 7.6% over the week), compared to 207,124 initial claims during the same week in 2025.

  • State Highs & Lows:

    • The highest insured unemployment rates were reported in New Jersey (2.0%), Washington (1.8%), California (1.7%), Massachusetts (1.7%), and Puerto Rico (1.7%).

    • Michigan recorded the largest weekly increase in initial claims (+739), while Hawaii recorded the largest decrease (-1,172).

Employment and Training Administration. (2026, October 8). Unemployment insurance weekly claims (News Release No. USDL 26-1561-NAT). U.S. Department of Labor. https://www.dol.gov/ui/data.pdf

Wednesday, October 7, 2026

Board of Governors of the Federal Reserve Systes (September 8th, 2026): High Interest Rates, Driven by Nonrevolving Credit

If you look at consumer credit, what we’re seeing is that people are still taking on debt, particularly through non-revolving credit like auto loans, student loans, and personal loans. These types of loans typically have fixed interest rates, which can be more manageable than credit card debt.

Credit cards can carry interest rates around 20% or more, so if you can move that debt to a lower-interest option, it can make a lot of sense. It’s worth talking with your accountant or financial advisor about your options.

Interest rates are high right now, and most consumer debt is held by commercial banks and the federal government, so there aren’t always easy ways around those costs. If you can avoid borrowing at a high rate, though, that may be the better choice.

For example, I recently paid cash for a 2015 car rather than taking out a loan. It wasn’t a new car, but I preferred paying upfront rather than taking on an expensive car loan at today’s interest rates.

Board of Governors of the Federal Reserve System. (2026, September 8)

  • Total Debt Growth: Total U.S. consumer credit rose at a 4.2% annual rate in July to reach a record $5.186 trillion, rebounding from slower growth in May and June.

  • Driven by Nonrevolving Credit: Nonrevolving debt (auto, student, and personal loans) led the surge, expanding at a 4.8% annual rate to reach $3.829 trillion.

  • Credit Card Spending Cooled: Revolving credit (credit cards) slowed significantly to a 2.5% annual growth rate ($1.357 trillion total), down sharply from 6.0% in June.

  • Interest Rates Remain High: Borrowing costs stayed near multi-year highs, with credit card APRs averaging 20.94% across all accounts and 22.15% on accounts assessed interest.

  • Banks & Government Hold Most Debt: Commercial banks hold 40.8% ($2.094 trillion) of all consumer debt, while the Federal Government holds 31.3% ($1.606 trillion), primarily in student loans.

Board of Governors of the Federal Reserve System. (2026, September 8). Consumer credit - G.19: July 2026. [https://www.federalreserve.gov/releases/g19/current/g19.pdf](https://www.federalreserve.gov/releases/g19/current/g19.pdf)

Attracting Start-Ups Requires More Than Economics

October 7th, 2026

DELTA COUNTY, MI-When communities think about how to attract start-ups and new businesses, the conversation often begins with economics: taxes, incentives, grants, available property, infrastructure, and financing. But attracting businesses involves more than creating favorable financial conditions. It also requires understanding the motivations of the people who start businesses and the environments in which they choose to build them such as like minded entrepreneurs, sense of community, lifestyle, neighborhood aesthetics, etc..
(Illustrative Only)
These two were motivated
to start their business but
also wanted to have a
healthy lifestyle
connected to other entrepreneurs,
community and outdoor recreation.
Escanaba in 
Delta County is 
the place they 
want to launch. 

Their personality
and motivations 
are part of the economic
equation that is
often lost in economic
and political discussions.
Using the Philosophical Principles Conscious, Subconscious, and Intentionality in Management
Consider a downtown district seeking to attract new businesses. Community leaders might ask not only what financial incentives can be offered, but also who the potential entrepreneurs are, what motivates them, what resources they need, and whether they are aware that the community is actively seeking new businesses. The physical location matters, but so does the social and psychological environment surrounding that location.
Entrepreneurship is influenced by more than hard economics and finance. Applied psychology and sociology can help explain the underlying factors that influence why individuals choose to start a business, where they choose to locate, and what conditions encourage them to remain and grow. Understanding these factors can give communities a broader perspective on economic development.
(In this sense, economic development has both an economic side and a social side. My theoretical conception describes this relationship through the ideas of “I,” “ME,” and “WE”. The economic interests of self, socialized self, and shared community and goals.)
The challenge, then, is not simply to ask, “How do we attract businesses?” It is to ask a more fundamental question: “What kind of environment makes people want to start, build, and sustain a business here?” Answering that question requires looking beyond economics alone and considering the human motivations, social networks, resources, and community conditions that shape entrepreneurship. 
The impact of founder personalities on startup success
  • The study examined 21,187 startups to investigate whether founders’ personality traits are associated with startup success.
  • Researchers analyzed Big Five personality traits across 30 dimensions using information inferred from founders’ public Twitter profiles and connected this data with Crunchbase startup information.
  • Successful startup founders were more likely to demonstrate traits such as openness to adventure, a preference for novelty and variety, lower modesty, and higher activity levels.
  • The researchers did not identify one single “ideal” founder personality. Instead, they identified six distinct founder personality types, suggesting that different combinations of traits can contribute to success.
  • Startups with larger and more personality-diverse founding teams were more likely to succeed, suggesting that complementary personalities may be more valuable than having founders with identical characteristics.
McCarthy, P. X., Gong, X., Braesemann, F., Stephany, F., Rizoiu, M.-A., & Kern, M. L. (2023). The impact of founder personalities on startup success. Scientific Reports, 13, 17200. https://doi.org/10.1038/s41598-023-41980-y

Gladstone City Council Meeting (September 28th, 2026): Environmental Assessent, Election Inspection, Wast Water, DDA Grant Program, Union Contract, MERS and Data Board

 


September 28th, 2026 Gladstone City Council Meeting Agenda

  • Call to Order & Roll Call: Mayor Thompson called the meeting to order, followed by an invocation, the Pledge of Allegiance, and roll call.

  • Agenda Addition: An item was added to the agenda regarding a letter of support for Delta County Parks (Item 21).

  • Consent Agenda: Approved meeting minutes (DDA August 18/September 15, City Commission September 14) and vendor invoices (Chem Trade Chemicals and PK Contracting).

  • Tabled Business: The Environmental Assessment Determinations and Compliance Findings (24 CFR 58) were tabled to October 12 while awaiting legal review.

  • Gladstone Housing Commission Appointment: Paula Waggy was reappointed to the Housing Commission for a term expiring in October 2031.

  • Election Workers Authorization: Authorized the City Clerk to appoint necessary election inspectors for early voting, election day, and absent voter counting for the November general election.

  • Wastewater Infrastructure:

    • Change Order #2: Approved a $87,739.28 contract increase for wastewater collection system improvements due to poor soil conditions requiring additional fill and stone bedding.

    • Disbursement #4: Approved disbursement request #4 totaling $330,015.97.

    • Draw #39: Approved plant upgrades disbursement draw #39 totaling $46,650.

  • DDA Facade Grant Program Revisions: Approved updated guidelines, effective October 1, 2026, scaling back award caps to $5,000 (75% DDA / 25% applicant match), eliminating property liens, transitioning to a reimbursement model, and offering year-round availability.

  • Gladstone Marina Renovation (Phase 2):

    • Awarded the flotation docking systems contract to Flotation Dockage, Inc. for $231,200.

    • Awarded the electrical scope contract to Master Electric for $97,495.

  • Union Contract Approval: Approved the collective bargaining agreement with IBEW 876 for electrical linemen, including competitive wage adjustments and incentives to attract/retain experienced linemen.

  • MERS Defined Contribution Addendum: Approved the retirement plan adoption agreement addendum for the city manager position to align with other employee contracts.

  • DATA Board Reappointment: Reappointed Eric Buckman as the Gladstone representative on the DATA Board of Directors.

  • Letter of Support for Delta County Parks: Authorized the City Manager to sign a letter of support for a $3,000 grant application to install Purple Martin birdhouses at OB Fuller and Pioneer Trail parks.

  • City Manager Report: Updates provided on completed summer DPW road prep, paving, and sealing projects, as well as ongoing water line repairs.