Today marks the beginning of Labor Day weekend, the traditional end *sob* of summer. The train was not crowded and the parking lot was empty. My usual lunch takeout place was not too busy. The financial markets are going to close early, I was told. All in all, the quiet beginning to a quiet weekend.

Except, no one told my clients and adversaries. I have not had my quiet morning to draft an operating agreement with a nifty little life insurance buy out provision like I had hoped. Nope, I have been on the phone almost without pause: conference call with a court; settlement talks; negotiations on a job offer letter for a senior executive; discussions with a valuation expert out West (boy, was he up early); emails and document review and telephone calls to get out an "urgent" cease and desist letter. Good grief, people. Stop calling me. Go to the beach. Get an ice cream. This will all keep for a weekend.

Honoring Labor Day by actually performing labor is not at all what I had in mind.

I hope you all have a lovely (and if you are driving) and safe weekend!

Posted by: Random Penseur at 11:43 AM | Comments (1) | Add Comment
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From time to time, I search Youtube for Norwegian language entertainment (mostly to show to the kids). Today, I found the following video. It is subtitled into English and is really pretty damn funny. I wish I could show it to my kids and I am quite glad I watched it all the way through before deciding it was ok to show the kids. Enjoy:

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I have not shared any book recommendations for quite some time. Blame my basic indolence, if nothing else. But I want to share a couple of recommendations. If nothing else, reading these will give you some background to understand much better what is happening in the credit markets, the debt markets, and the equity markets as spreads diverge and traders (and you) are getting hammered in the markets.

First, read Richard Bookstaber's book: A Demon of Our Own Design: Markets, Hedge Funds, and the Perils of Financial Innovation. This is a very well written and accessable book dealing with how innovations in financial engineering -- more complex models leading to more complex financial products -- are leading the financial markets down the path of an eventual collapse brought about because they have become too complex to understand. He is particularly good in explaining the causes of some of the great, recent, financial collapses, like Long Term Capital in 1998. I know one or two of the LTCM guys and this helped explain their demise to me much better than they ever did.

Then, go forth and get Traders, Guns & Money: Knowns and unknowns in the dazzling world of derivatives, by S. Das. Das is a former derivatives trader and, on the buy side, consumer of derivatives. He gives very good explanations of how simple derivatives began in order to manage future risk in agricultural products and how they have mutated into Special Purpose Vehicles so that banks can take credit risk off of their books by repackaging the loans into various tranches and selling them into the SPV's who buy them by, often, exchanging government debt purchased on the open market and selling the tranches at various debt rating levels to investors who want or need to take on different kinds of risks for different levels of return. It is maybe a bit more quant orientated than I found helpful (no, even after trying, Mr. Das, I could not make the Black-Scholes model for valuing options make sense to me in terms of the math) but still a brilliant explanation. Taken together with Bookstaber's book, a very helpful read. I loved how Citron, the Orange County Treasurer, used astrological advice to decide which and how many inverse floaters to buy.

Finally, take a look at Taleb's book, Fooled by Randomness: The Hidden Role of Chance in Life and in the Markets. His views about how we know what we know and how we don't know what we don't know are fascinating reads. Basically, luck plays a much higher role in the success of your portfolio manager than does skill. I found it not an easy read because to fully appreciate it (and I am not sure I did) requires a real basic paradigm shift in the way you conceptualize knowledge and your own ability to judge risk and even the basic way in which you filter information in terms of decision making. A very thought provoking read.

So, there you have it, want to understand why the stock market tanked when the sub-prime and collateralized debt markets tanked? Read these books. I could tell you the answer, but it is way more fun to learn it by yourself.

And by the way, I spent about an hour and a half testing my knowledge on a friend who designs bespoke credit instruments for sale to investors in private tranasctions on the over the counter market. Several months ago, I had no real idea about what this person did for a living. Now, I had zero problems in having a detailed discussion about the issues.

You owe it to yourself to read these books, in the order I have listed them.

Posted by: Random Penseur at 08:09 AM | Comments (3) | Add Comment
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Well, the first day of school was "great!", according to the Girl Child. She loves her teacher and likes her new classroom. She even, she reported with great excitement and pride, got her own locker. At which point we had the following conversation:

Me: You realize that the Supreme Court has held that you can have no expectation of privacy with respect to your locker, don't you?

GC: What does that me-- wait, that means that if I bring stuff in to school and put it in my locker, I can't expect that it will be private, right? People can look in it?

Me: Exactly. It is not like your night table at home where you can keep your private things.

GC: [Said with a smile] So, I shouldn't bring my night table to school.

Me: Right.

I was more than a bit surprised that she immediately grasped the concept.

I am pretty sure that she is going to be a lot smarter than I am.

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Today is the first day of school in our little town. I took the morning off from work to stay home to take the Girl Child down to the bus stop to wait for the school bus. She's very excited about starting first grade. Even though she had a bath last night, she asked to take a shower with me this morning so she would be sparkling clean for her first day. She was, to her credit, amused when I smeared my shaving cream all over her back.

While we waited for the bus, I unclipped the hair brush she keeps on her back pack and I brushed her hair. Stroke after stroke, taking out the knots she missed, making her hair gleam in the morning sunlight, making her hair soft and pretty. I clipped the brush back on her pack as the bus came up the road, collected my kiss, and sent her on her way.

First grade. Where does the time go?

Posted by: Random Penseur at 11:06 AM | Comments (4) | Add Comment
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1 Sweet! Girl Child will remember it! Let us know how her day was.

Posted by: Jurate at August 29, 2007 12:24 PM (gN5ED)

2 Ha! Just you wait, my friend - my eldest gel just got her first training bra. And I'd swear I just stopped changing her diapers a couple weeks ago!

Posted by: Robbo the Llama Butcher at August 29, 2007 12:36 PM (0JsTF)

3 My oldest starts his first day on the 7th, he's excited, but a bit scared. They had a bus safety course last night for them, he cried a bit and said he didn't want to go on the bus but by the end he was going by himself. When they started talking about 'The Danger Zone' I don't know who it was more scary for, him or me.

Posted by: Oorgo at August 29, 2007 04:33 PM (ZUQGo)

4 Think how boring it would be if time stood still, though.

Posted by: Hannah at August 30, 2007 01:13 AM (lUH62)

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I'm sure that even outside of New York, everyone has heard about the two firefighters killed in the recent fire at the Deutschebank building downtown. This was the building that was rendered uninhabitable as a result of the 9/11 attacks. It caught fire and two men died trying to put it out.

Today, I was walking up Fifth Avenue for lunch at a very grand private club on 5th when I started to run into groups of firemen in their dress uniforms. I knew, immediately, that today must be a funeral day at St. Patrick's Cathedral for one of the men killed downtown. The firemen milled about, in groups, smoking cigarettes, looking somber, some of them holding their children. It was very hot and not a lot of air was moving. The crowds grew thicker the closer to St. Patrick's I got. And there it was in front of the Cathedral: a firetruck hung with purple and black bunting for use as a hearse to take the coffin away for burial.

I stopped walking and, buffeted by those trying to get around me, just stood there and stared, stood there and remembered all of the 9/11 funerals when, for days and day after day, a similar truck was parked in front of the Cathedral. Some days, I would see women dressed in black holding hands with small children. Other days, just the truck, standing sentinel, waiting to carry its sometimes empty, sometimes full, coffin. It was a horrible flashback moment.

I stood, heedless of the time, and listened to the funeral remarks as they were delivered by a friend of the deceased. He was moving and the remarks touching. He even joked about the deceased's ability to spot an attractive woman from the fire truck at a thousand yards, in thick fog, and at night. I chuckled and with that little bit of laughter, the spell was broken.

As the crowd inside clapped at the conclusion, I smiled and turned to walk on.

The death was similar, the circumstances similar, but the difference I cannot express.

Thank god for our brave firemen.

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1 This was very poignant, RP. Thank you.

Posted by: Amber at August 25, 2007 10:08 AM (zQE5D)

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I attended, in my capacity as chair of the Alumni Admissions Interview thing for my college, a reception held on the Upper East Side for incoming freshmen. I took the bus up Madison Avenue and got off at my old stop -- 72nd and Madison -- from when I used to live in that neighborhood.

I miss it still. Lots of changes, many not for the better.

But, I digress.

I learned I was aging as I mingled with the matriculating students and their parents. It was not that the new stutdents looked so young, although many of them did. It was not because I thought that it was somehow wrong to find so many of the incoming freshmen girls attractive, because they were. No, ultimately what made me feel old was that I found some of the mothers of the incoming students were more attractive. That is officially old -- when you'd rather chat with the mother than the daughter.

I am aging; albeit not gracefully.

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On the squash court today, one guy said, "whoa, look at these wheels!", after he made a particularly good get. I said, "must be those little chocolate donuts for breakfast".

Remember that?

If not:

Posted by: Random Penseur at 10:40 AM | Comments (1) | Add Comment
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Here's a question for all of you more socially couth people out there: how do you handle the situation where a guest to your home for a meal brings with him a bottle of wine? You've planned your menu and you have, hopefully, purchased wine that will harmonize pleasantly with what you will be serving. Your guest brings a wine that pleases him greatly and he wants to share it with you. Or, he just brings something because he doesn't want to show up empty handed. Either way, you may not know the difference. Now, what do you do? Do you open the wine, thus perhaps upsetting the balance you've tried to strike? Do you just thank the guest, and put the wine away? I never know how to handle this. I was confronted by both situations yesterday.

We entertained my pilates class friends at the house. Our class has shrunk to three, including me, and I invited the other two and their significant others and the instructor and her significant other, out to the house for lunch yesterday. I determined that what I really wanted to prepare, other than grilled veggies and assorted cold salads, was chili-cheese burgers and so I did. I selected a Spanish white that was from close to the French border and was 30% Gewürztraminer, a grape that can stand up to spicy food. I bought six bottles and chilled them all.

Lunch was a great success and indeed did not break up until about 5:45, thus requiring me to cancel our dinner engagement. My wife wouldn't let me throw everyone out.

I put all the wine into the fridge and served the first three bottles of my wine, which went just as well as I had hoped it would. Then, for the fourth bottle, we opened a really grand unfiltered rose that one guest brought. He had tasted it and thought we would love it. Clearly, it needed to be open. We drank that one sitting in the garden while watching the children play as some smoked cigars (I passed this time).

I didn't open any guest wine during the meal and happily we had need of more wine after lunch. If not, I am not sure what I would have done.

What would you do?

Posted by: Random Penseur at 10:40 AM | Comments (7) | Add Comment
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1 Etiquette states that guests who bring wine are not supposed to expect the wine to be opened on the spot - it's supposed to be for the host(s) to enjoy another time. As far as I know, it's the host's choice if they want to use it at that time but certainly shouldn't feel required to.

Posted by: Hannah at August 13, 2007 11:42 AM (lUH62)

2 A bottle of wine brought to the house is a gift for the host(s). Depending on the situation, I may or may not open it. If I have planned wines, as you did, I will put it aside either for us to enjoy later, or to share with guests over conversation after the meal. If I haven't planned a particular wine, then I'm more than happy to open it. If the person who brought it asks about it, then I'll open it and serve it along with whatever I have, and give the guests a choice of either or both. We're pretty relaxed about that kind of thing. I do make a point of telling the giver how much I liked it, or at least, how much I appreciated the gift. Especially if I save it for later.

Posted by: caltechgirl at August 13, 2007 12:00 PM (/vgMZ)

3 Man, I really wish I could help with this, but sadly I can't. Its not that I haven't run into this situation, its just that there isn't much of a need in trying to decide which flavor of MadDog 20/20 to start with. So, we drink the bottle the guest brought, then start in on my stash. The situation changes though if Thunderbird is the wine being provided by the host. You always start with the Thunderchicken, same goes for Night-train...

Posted by: phin at August 13, 2007 01:54 PM (CQcil)

4 Note to self: if having Phin over for dinner, ask him to bring flowers. I have not had the pleasure, such as it is, of MadDog 20/20 since college and I actually only recall that I drank it and nothing more comes to mind.

Posted by: rp at August 13, 2007 02:53 PM (op1yW)

5 Since I run a small winery and my daughter runs our tasting room and our son-in-law-to-be is part owner-and-manager of two huge wine & spirits stores and our daughter-in-law-to-be works for a winery too... This happens a LOT with us when we have guests over, as you might imagine. Almost everyone we know socially are in the restaurant or winery industries. I play it by ear; if they bring something that might go well with what we had planned to serve, I'll open it. If not, or if it's something I just don't want to open, I gush over it and, while winking at the guests who brought it, stage whisper I will be saving it for another time when Dan & and I can enjoy it together. Sometimes the guests insist we save it and sometimes the guests insist we open it, thus taking it out of my hands entirely. And that's fine with me. Nobody seem to get upset about it, whatever we do or don't do. After all, it's WINE! Now, how can anyone get upset about something so fabulous?

Posted by: Amber at August 14, 2007 10:05 AM (zQE5D)

6 I have issues with this one, and that's mainly because I have red wine junkies for friends and I can't drink the stuff as I'm allergic to the tannins. As such, I generally bring a bottle of chardonnay with me, so that I have something to drink if they didn't get one. I can't expect them to remember every little thing and I wouldn't want them to. This way, if they did remember, they get to expand the very limited white sections of their respective wine cellars. If they didn't, they can open the bottle and I'll have something alcoholic to drink, and so perhaps will other people who would also like a glass of white wine. And if they choose not to open it at all, I will happily drink whatever they have that's not red wine and I won't raise a fuss about it. In other words, it's up to the guest to be gracious about this, not the host. The host has other things to worry about, and anyone who raises a stink about their wine not being opened is someone Emily Post should come back from the dead and bitchslap for having poor manners. If it's a gift, it's up to the recipient to use it as they will, not for the guest to tell the host what they should or should not do in their home, at their party.

Posted by: Kathy at August 14, 2007 12:13 PM (sUnJj)

7 When my guests bring wine, we just shove the box in the fridge and save it for later.

Posted by: Howard at August 14, 2007 03:14 PM (u2JaN)

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I have been ruminating a bit on the credit crisis engulfing the markets. I have been reading books and academic papers of late concerning valuation of collateralized debt obligations and mortgage backed securities for a couple of months now. I have been discussing the problems faced by traders and investors in marking portfolios to market and marking portfolios to model and what happens when there is a real contradiction between the model and the market. I have been doing this because I am a geek and I find the structured finance side of the market, and the implications on leverage and the implications leverage has on liquidity, to be utterly fascinating. You should, too, by the way.

One of the issues I think is most interesting is that the models created by hedge funds or by structured financial products traders rarely actually accurately models a total melt down. The models, take Bear Stearns recent debacle, probably did include the possibility that the exotic securities they were trading could go totally south, but the humans doing the trades and making the investments in the funds would have discounted that possibility down to very little if not nothing.

That's what we humans do. We make plans but we cannot honestly confront a worst case scenario. That's why we call it a worst case. We give it that name and that assume that the probability of it taking place is not worth discussing. I think it is human nature. We don't actually assign a real probability factor to the problem posed by the worst case. I think that the only place humans do this is with regard to estate planning. We know we're going to die so we make plans for that worst case scenario. But not everyone does this, you know, and not everyone who does do it can successfully contemplate the worst case scenario posed by their own certain mortality and do it efficiently and correctly.

We don't like to think about bad endings. Or monsters, come to think of it. But I think that they both exist.

No, human beings plan for the middle and include slight deviations from the middle. Some really smart humans can plan for volatility but even that will remain within artificially set expectation bounds so that when the volatility surpasses those bounds, trouble can result.

Where am I going with this?

I'm not 100% sure. Maybe I am just going with the thought that I have to be a better planner. I have to take disaster planning more seriously, for instance. I, and many others, will discount the possibility of a catastrophic disaster down to zero and stop thinking about it even though we know that power failures, for instance, can last days.

We plan not with our intellects but with our emotions.

I think it is time to take the emotional out of the planning stage.

It is time to contemplate both the worst case downside scenario and the best case upside scenario for this family corporation I am an officer of and start to plan accordingly even if the business and financing climate has changed. This is different from lawyer think and legal analysis. It is going to be an interesting exercise.

Oh, and I really have to finalize our wills.

You should, too.

Posted by: Random Penseur at 11:41 AM | Comments (3) | Add Comment
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1 Sage advice, as usual.

Posted by: Wicked H at August 10, 2007 02:44 PM (zOWa5)

2 Sounds complicated Should I even be thinking about a will at the tender age of almost 23?

Posted by: Hannah at August 10, 2007 03:09 PM (lUH62)

3 Great advice rp. Hannah, If nothing else you should have a living will that explains your views on life support, heroic measures, etc... This way people aren't left having to make a decision they "think" you would want. Main reason I have one is I don't want my family to have to decide whether or not to pull the plug. Kind of morbid thoughts at 23, but things happen.

Posted by: phin at August 10, 2007 03:30 PM (CQcil)

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Yesterday turned out to be an interesting day for the kids. First, the Boy Child swam in the deep end of the pool. This was a big deal for him and when I told him that I was proud of him, he gave me a very shy smile, kind of ducked his head around to hide behind a chair, and asked me very sweetly if I could leave him a note telling him how proud I was of him. Of course, I obliged.

The Viking Bride told me that the Camp Director told her that a ghost story was making the rounds at camp and it had scared the heck out of all of the kids. The Girl Child told us about it, too. It has to do with Bloody Mary (no, not the cocktail) who has had her head chopped off and is now coming to do the same thing to you if, in a dark room, you call her name three times. The VB did not improve the mood when she told the kids to try it and they did and when they got to the third repetition of the name, she yelled, "BOO!!!"

We realized later how seriously the Girl Child took this when her bed was empty when we went to check on her before going to bed ourselves. We found her sleeping with the Boy Child. They were sharing his pillow. She was sleeping on her side, face to the wall. The Boy Child was sleeping on his back with his right arm thrown back, over the Girl Child's shoulders, as if he was comforting her or shielding her. The Viking Bride and I both said, "awwwww", at the same time. It was terribly sweet. We left them there.

This morning, the VB told me that when she spoke to the GC about it, she said:

VB: Aren't you lucky to have a brother who loves you so much and who protects you?

GC: When I am with him, I'm not scared. All he has to do is touch me and the scared goes away.

Again, awwww.

I am tempted to throw salt over my shoulder and spit at the ground in an attempt to avert the evil eye. I am clearly a lucky guy.

Where did these children come from?

Posted by: Random Penseur at 11:27 AM | Comments (1) | Add Comment
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1 Oh good god, this made me cry. And YES! I remember the Bloody Mary Bloody Mary thing when Lucy was little. She and her friends would all go into the bathroom with the lights off and a flashlight; too funny. They freak themselves out and not sleep that night as well. Ray didn't seem to go through it when he got to the same age; guess it's a girl thing. GC: When I am with him, I'm not scared. All he has to do is touch me and the scared goes away. Omg, I'm crying again, that is so sweet I cannot stand it. And these children came from *you*, RP; you and your Viking Bride.

Posted by: Amber at August 09, 2007 10:51 AM (zQE5D)

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It is now almost exactly three hours since I stepped off the train at Grand Central Terminal this morning and walked up Park Avenue to the gym.

I am still wet.

My shoes sit stuffed with paper towels and my socks are lying next to them. I am wearing borrowed socks from the gym. I hung the clothes in the sauna and they are still wet.

I have not experienced a downpour like this since I left Louisiana. The sky opened up and the streets become rivers with water so high that the gutters overflowed on to the sidewalks, sweeping all debris off the walkways. I sloshed with each step.

My briefcase, and contents, are wet. My pants are still wet and my shirt is still wet.

I sit here not quite dripping but far from dry.

Another day in paradise. You betcha.

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The Girl Child has taken to the sport of equestrianism with exceptional enthusiasm. She has taken group riding lessons at camp and yesterday she experienced her first private one-hour lesson. She already sounds like quite the little pro, telling me when I got home last night that her lesson started with her "tacking up" her horse. The correct use of the insider lingo makes you sound like you know what you are doing.

She expressed great interest, it was reported to me by the Viking Bride, in acquiring her own horse. Uh huh. She had the following conversation with her riding instructor. I admire her ability to keep driving at an answer:

GC: If I wanted to buy a horse, how much do they cost?

RI: You would have to save up your pennies.

GC: How many pennies?

RI: A lot.

GC: Well, how long would I have to save them for?

RI: A long time.

GC: Ok, how about this horse? How much would it cost to buy this horse?

RI: He's not for sale.

Like a good litigator taking a deposition, she just kept on going to try to get her answer. I am really quite proud.

The instructor told the Viking Bride, by the way, that the Girl Child is absolutely fearless. I gather that this is meant to be a good thing.

The Girl Child is already speaking with great anticipation about getting to canter so she can start jumping.

Interesting aside, I have noticed that when it comes to sporting activities, the Girl Child is not so much of a team player. She has shown a marked preference for the individual sports: swimming; riding; tennis; and martial arts. Not a team sport in that entire list. She's going to have us sign her up for the local YMCA swim team for the winter. She's keen to acquire another team swim suit. I don't know quite what lessons to draw from this observation but it is clear, as it always has been, that she is quite comfortable living inside her own head and playing by herself. I guess her sport interests are an outgrowth of this.

Either way, I find her to be a creature of endless interest and boundless fascination. I am so lucky to have a daughter.

Posted by: Random Penseur at 02:12 PM | Comments (5) | Add Comment
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1 You make the whole idea of being a parent sound much less scary. You just seem to enjoy every aspect and see the humor in all of it... and how much you adore your kids is obvious. I hope I'm going to be as good a parent as you, one day.

Posted by: Hannah at August 07, 2007 04:09 PM (lUH62)

2 My daughter was - and is - exactly the same way regarding the preference of individual sport over team. I think she much preferred the idea of challenging/outdoing herself vs. that of having to rely on a group of others to quench her love of conquering. That said, she has recently joined an adult kick-ball team. They won their city's championship and played in a national tourney in D.C. !!

Posted by: Jennifer at August 07, 2007 06:58 PM (RlFqM)

3 I suspect she gets a great deal of satisfaction from personal accomplishment... and a great deal of frustration from relying on others. Save your pennies, Dad. :-)

Posted by: caltechgirl at August 07, 2007 07:38 PM (qPLLC)

4 Uh-oh. Forget the pennies; save the nickles, dimes, quarters and the occasional sawbuck, Dad. You be in some deep, deep trouble.

Posted by: Kathy at August 07, 2007 10:25 PM (ufifB)

5 She obviously has great perseverance, my oldest is like that... even if you tell him that it's not going to happen, if he wants something enough he will bring it up days down the road. He also doesn't forget if you promise him something, even if he didn't appear to be listening, I found that out the hard way.

Posted by: Oorgo at August 14, 2007 01:48 PM (ZUQGo)

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I was chatting today with one of my partners at work and we were discussing a dream I have long held of visiting all of the UNESCO World Heritage sites. [Political digression: the United Nations does not care to acknowledge that Jerusalem is in Israel. Israel has several sites but Jerusalem is the only city that gets listed without a country designation, other than that it was suggested by Jordan. Jordan behaved shockingly badly until the Israelis threw them out of Jerusalem. Bluntly, the United Nations is a nest of anti-semites. End digression]

So we pulled the list up together and reviewed. I have been to 48 of them. It feels like a lot but I suspect many of you will have been to many more. Check the list out and let me know how you did?

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1 Uhhh, forty-eight is a lot. I've been to three. Sigh. I need to get out more.

Posted by: Kathy at August 03, 2007 10:53 PM (ufifB)

2 I've been to 21 of them, although the numbers are going to be higher for anyone who's been to several major tourist sites in the U.K. That said, wow--some of those places sure are out of the way.

Posted by: Jeff at August 04, 2007 02:40 AM (3q8gx)

3 I've been to 90, which seems show offy, but when you look at the whole list, it is shameful how small my list is. I'm good on the UK, Italy, North America and France, Mexico and Spain. But there is so much of Asia, Eastern Europe, Africa and South America not even touched. On the other hand, it just points out what to get done before I die.

Posted by: Anne at August 05, 2007 04:58 PM (q0PnG)

4 I've been to forty. They're reasonably well spread out over Europe, South America, Australia, southAsia and Israel...including it's capital, Jerusalem. So many places, so little time.

Posted by: Jocelyn at August 05, 2007 10:35 PM (2+m3k)

5 Looks like I come with 12 World Heritage Sites. I don't think listing Jerusalem on its own is a sign of anti-semitism. UN folks usually have a groupthink automatic desire to be as ridiculously politically correct as possible, and so would like to think that listing Jerusalem on its own is in some way a sign of political neutrality. Of course, in actuality it's just another sign of distance from the reality, which is that the State of Israel exercises a very normal and regular (if, admittedly, disputed) sovereignty over the city of Jerusalem and has done so for a significant enough period of time.

Posted by: Andrew Cusack at August 06, 2007 10:06 AM (v/Tqy)

6 I've been to 30 ... I think! Most of my travels were some 20 years ago, when I was in college - and it's hard to remember the names of certain places!

Posted by: Monica C. at August 06, 2007 08:49 PM (FMnfx)

7 Throws my lowly "Pueblo de Taos" into the ring and blushes furiously. Dang, I need to get out. Not more - ANY. Heh.

Posted by: Margi at August 06, 2007 09:03 PM (DwLKz)

8 I had to scroll down depressingly far to reach the first of any of the sites I've visited. And now am feeling quite un-learned of the world I live in, too much so to even count, although I can't fathom my list would contain more than ten. In two countries - the UK and the grand ol' homefront.

Posted by: Jennifer at August 07, 2007 07:02 PM (RlFqM)

9 Seven. Clearly I have a lot of catching up to do. One of these days?

Posted by: Mark S at August 08, 2007 03:25 PM (ek/FX)

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