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Friday, November 26, 2004

Capital is at Hazard 
Now this is interesting:

It's not my fault. I'm mentally ill. That's the argument a woman is using to sue American Express for two (M) million dollars after she ran up nearly one (M) million dollar in charges and couldn't pay the bill.

Prosecutors say the woman - 40-year-old Antoinette Millard - posed as a Saudi princess to steal hundreds of thousands of dollars worth of merchandise. She is now suing America Express saying she was mentally incompetent when she opened her account and the company should have known it.


I'm not sure what grounds she has to sue American Express, because I'm not sure what damages she'll be able to show.

But I also can't say that American Express doesn't share some culpability.

Once upon a time, I worked several years as a behavioral health technician (read: psych ward guy). One of the most common ailments was bipolarism, or manic-depression. And it wasn't at all unusual for people coming in off manic phases to report that they had racked up tens of thousands of dollars in debt during their manic phase.

Yes, their mental illness was real. They weren't making cheap excuses. Judgement in the manic phase is legitimately clouded. Now, I never saw anything like the scale reported here, and it appears that this lady may just have been a common con artist who got caught.

But the fact that a certain percentage of American Express cardholders are going to be mentally ill, and run up debts they can't afford simply has to be one of the calculations they make when conducting their risk management procedures. American Express has a long and dubious history of extending credit on college campuses, and mistakenly marketing cards to toddlers and pets.

In this case, someone made a decision to extend a credit card to this woman designed for customers who charge six figures a year.

Did they do any due diligence on this woman? Is there anything in her background that would suggest that such a card, with no credit limit, is appropriate?

I doubt it.

American Express made a series of reckless and stupid loans to this woman, and got what was coming to them.

I hope they learned their lesson.

Splash, out

Jason

(via Drudge)





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Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

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Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

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Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

Be Realistic : It would be great to be able to jump right into a hard workout, feel great, and see instant results.

Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

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weight loss information 101 Ways to Get In Better Shape and Stay That Way.

Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

Be Realistic : It would be great to be able to jump right into a hard workout, feel great, and see instant results.

Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

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Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

Be Realistic : It would be great to be able to jump right into a hard workout, feel great, and see instant results.

Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

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