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her the GAO nor the administration has given us reason to believe that a new direct government loan system would not fizzle like its predecessor.* Ignoring the impact of a directloan program on the government's borrowing cost. Investors will demand higher returns for Treasury securities, forcing up the government's cost of borrowing. Just a five basispoint increase in the 10year Treasury securities funding this program would cost the government another $100 million.HAVING peeled away the layers, what is left of the GAO onion A projected loss of $13 million for the first five years. The inescapable conclusion: Not only would a direct government lending program fail to save taxpayers
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 imidation. The press has overlooked this silent majority of Somalis, who are grateful to the international community for intervening and who wish only for a return to normal civilian rule.Analyses of the motives of Aideed and the UN also have flown wide of the mark, reflecting a fundamental ignorance about the dynamic political situation in Somalia. In staging an unprovoked attack on the Pakistani soldiers, Aideed was acting in desperation to undermine the process of grassroots political reconciliation that UNOSOM has helped to facilitate.There is nothing to prevent warlords like Aideed from participating in this process, of course, except fear that their power base rests only on mi
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 ern has focused on the elderly, those living on low and fixed incomes, young people, and anyone else who does not have thousands of dollars to establish the sort of relationshipwith a bank that would eliminate charges on checking accounts and other basic transaction services.It is in part because of these concerns that banks have come up with various forms of nofrills checking and special accounts that carry few if any charges, as long as the customer follows a few rules, like using only an ATM.Banks are also adding various lifeline bankingprograms aimed at providing basic banking services to the poor and elderly, and perhaps the young, too.A large number of banks are lo
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 d AshmoleanTolkien came to Oxford as a young student in 1911. His rooms in mockgothic Exeter College looked down Turl Street toward All Saints' Church. Judging by sketches Tolkien made when he lived there, the scene is much the same today as it was in his undergraduate days.Around the corner from Exeter is the 17thcentury Old Ashmolean Building. The imposing exterior is guarded by a row of stone busts resembling Socrates on steroids.After graduating from Exeter and serving in World War I  before writing the books that made him famous  Tolkien worked behind the Ashmolean's fierce facade, composing word definitions for the New English Dictionary.More than 50 years later, the dictionar
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