Stheu, Dearnt Good Convoer, Keat (TM) Firm; now including Red Hot™ Consulting
Friday, May 1, 2026
Special Report 010526 on the Charles Card or CR Card and App: Chapter 1. If a state has the clear financial capacity to provide for its citizens but chooses to withhold that support while the rest of the world moves toward a global standard of income, it enters a space of **systemic neglect** or **administrative obstruction**. When you use the suffix **-anthropy**, you are likely looking for a term that describes a specific "dislike" or "turning away" from humanity or human welfare. ### The Philosophical "Anthropy" The most direct term is **Misanthropy**—a general dislike, distrust, or contempt for the human species. In a political context, if a government acknowledges the need and possesses the means but intentionally refuses to act, critics might describe the policy as: * **Political Misanthropy:** When state structures are designed or maintained in a way that shows a fundamental disregard for the well-being of the population. * **Aphilanthropy:** A less common term specifically meaning a "lack of love for mankind" or a failure to act with benevolence when one has the power to do so.
Special Report 010526 on the Charles Card or CR Card and App:
Chapter 1.
If a state has the clear financial capacity to provide for its citizens but chooses to withhold that support while the rest of the world moves toward a global standard of income, it enters a space of **systemic neglect** or **administrative obstruction**.
When you use the suffix **-anthropy**, you are likely looking for a term that describes a specific "dislike" or "turning away" from humanity or human welfare.
### The Philosophical "Anthropy"
The most direct term is **Misanthropy**—a general dislike, distrust, or contempt for the human species. In a political context, if a government acknowledges the need and possesses the means but intentionally refuses to act, critics might describe the policy as:
* **Political Misanthropy:** When state structures are designed or maintained in a way that shows a fundamental disregard for the well-being of the population.
* **Aphilanthropy:** A less common term specifically meaning a "lack of love for mankind" or a failure to act with benevolence when one has the power to do so.
### Other Relevant Concepts
If the refusal to pay is based on a specific ideology rather than just a "dislike" of people, it might fall under these headers:
* **State Malfeasance:** This is the legal and political term for a public official or body intentionally performing an act that is legally unjustified, harmful, or contrary to their duty of care.
* **Institutional Abandonment:** A sociological term for when the "social contract" is effectively broken because the state ceases to provide the basic protections or resources it is capable of providing.
* **Austerity (Forced):** While usually used for budget cuts during a crisis, maintaining a "lean" state while wealth is available is often called "ideological austerity"—choosing the principle of a small state over the practical survival of the citizens.
### The Math of the Matter
To put that .10 cents per minute into perspective, that rate would equal:
* **$6.00** per hour
* **$144.00** per day
* **$4,320.00** per 30-day month
In a world where that is the global baseline, a country refusing to pay despite having the funds would likely be accused of **violating the social contract**, **violating the UDHR** as the government is failing to meet the "duty of care" owed to its constituents.
Do you see this "refusal to pay" as a result of a specific economic theory, or more as a failure of the leadership's moral obligation?
Chapter 2
In the context of the **Universal Declaration of Human Rights (UDHR) Article 25**, the "burden" refers to the state's positive obligation to ensure a standard of living adequate for health and well-being. If a country has the financial means to provide this (especially in a world where a $.10/minute standard exists) but refuses to do so, you are describing a specific type of state-level failure.
In terms of an **"-anthropy,"** the most precise technical term for this specific failure is:
### **Malanthropy**
While less common than misanthropy, **malanthropy** (from *mal-* meaning bad/wrong and *anthropos* meaning human) refers to the active promotion of policies that are harmful to human welfare. In your scenario, the state isn't just ignoring its citizens; it is actively maintaining a state of deprivation despite having the resources to end it.
### **The Legal and Philosophical Breakdown**
When a state fails the Article 25 "burden" despite having the capacity to meet it, it is committing:
* **Statutory Neglect (or State Malfeasance):** Under international law, states have a tripartite obligation: to **respect**, **protect**, and **fulfill** rights. A country that *could* pay but won't is failing the "duty to fulfill." This is often classified as a **violation of omission**.
* **Abrogation of the Social Contract:** Philosophically, if the state is the sole entity with the power to issue currency or manage the national wealth but refuses to provide the "security in the event of... lack of livelihood" mentioned in Article 25, it has effectively dissolved its legitimate authority over the people.
* **Aphilanthropy of Governance:** This is the specific "coldness" of a system. Unlike misanthropy (hating humans), **aphilanthropy** is the clinical absence of concern for human flourishing. It is the "bureaucratic void" where the math works, but the mercy is absent.
### **The "Burden" of Proof**
In human rights law, once it is demonstrated that a state has the **available resources** (a key phrase in the ICESCR, the treaty that gives Article 25 legal teeth), the "burden of proof" shifts to the state.
If the state cannot prove that it is using the "maximum of its available resources" to meet that $.10/minute standard, it is in **Retrogression**. This is the legal term for a state moving backward or refusing to progress in its human rights obligations without a compelling, existential justification.
### **Summary Table**
| Concept | Term | Context |
|---|---|---|
| **Philosophical** | **Malanthropy** | Active harm or "bad" policy toward human welfare. |
| **Legal** | **Non-fulfillment** | Failure to provide a right the state is capable of providing. |
| **Administrative** | **Systemic Obstruction** | Using bureaucracy to block the distribution of available wealth. |
| **Moral** | **Breach of Duty of Care** | Failing the fundamental responsibility to protect the vulnerable. |
In your scenario, if the rest of the world is paying and your home country is not—despite having the funds—they are essentially practicing **State Misanthropy** disguised as fiscal policy.
Thursday, April 30, 2026
Click here. The Black Cross continues with it's new management since 2008; the Old White Lion is now included also in Finchley. Our service is now card only for all transactions before 8:30 pm. We are open from 8 am; Monday to Sunday. We have new bar staff contractors who have arrived who will, like others previously, operate his own tap card on his account. The livery is paid on Friday directly by the pub. We are alive and happy. We have chosen responsible people to work with us who have Territorial Army associations (at least one year of experience). The SDGCK OWL administration will be working with us. This is a non profit operating structure as we reserve the right to provide services and receive the reasonable donation as paid on a non profit basis. The operator or contactor has confirmed he is not an employee but is receiving a stipend for his volunteer service to our charity/church management group. The contractor has arrived and set up his machine, must be a machine for the hours indicated, because he agrees to the basic terms. Don't think there is any exception if you are related to a bus driver. There is no code from us required to send the wire transfer. If the two key payments outlined below are not sent, the money credited in to your account will be reversed. Once you have sent them both, the money is retained in your account. Then you can return the next day and succeed again. If you were there to assist and did not get through, please send us an email and let us know your experience. I'm Sorry it didn't work but you will always get 10% off your food orders. Thank you. All pubs are monitored. There is a zero tolerance response to any failures to agree with procedures as noted below. The contractor, the South London Baptist Church as of May 2nd, 2026, will see the sum in his account collected per day from his efforts. Your account will be debited for 22% per day. This is sales tax and also the livery delivery and Alcohol license fee. Two existing staffers on site since 2010 will open and close and will expect the volunteer stipend of £130.00 for their work at the end of the day as paid from the cash only orders collected at 8:30 pm to closing. This is paid for with the cash only orders at end of day. The operation is card only before 8:30 pm.
Click here.
The Black Cross continues with it's new management since 2008; the Old White Lion is now included also in Finchley. Our service is now card only for all transactions before 8:30 pm. We are open from 8 am; Monday to Sunday. We have new bar staff contractors who have arrived who will, like others previously, operate his own tap card on his account. The livery is paid on Friday directly by the pub.
We are alive and happy. We have chosen responsible people to work with us who have Territorial Army associations (at least one year of experience). The SDGCK OWL administration will be working with us.
This is a non profit operating structure as we reserve the right to provide services and receive the reasonable donation as paid on a non profit basis. The operator or contactor has confirmed he is not an employee but is receiving a stipend for his volunteer service to our charity/church management group. The contractor has arrived and set up his machine, must be a machine for the hours indicated, because he agrees to the basic terms.
Don't think there is any exception if you are related to a bus driver. There is no code from us required to send the wire transfer.
If the two key payments outlined below are not sent, the money credited in to your account will be reversed. Once you have sent them both, the money is retained in your account. Then you can return the next day and succeed again.
If you were there to assist and did not get through, please send us an email and let us know your experience. I'm Sorry it didn't work but you will always get 10% off your food orders. Thank you.
All pubs are monitored. There is a zero tolerance response to any failures to agree with procedures as noted below.
The contractor, the South London Baptist Church as of May 2nd, 2026, will see the sum in his account collected per day from his efforts. Your account will be debited for 22% per day. This is sales tax and also the livery delivery and Alcohol license fee.
Two existing staffers on site since 2010 will open and close and will expect the volunteer stipend of £130.00 for their work at the end of the day as paid from the cash only orders collected at 8:30 pm to closing. This is paid for with the cash only orders at end of day. The operation is card only before 8:30 pm.
We expect all payments to be made. If there is no special exceptions then by 11:59 pm in the usual case after collecting for the bar all day, with the money transfer payments system in your online banking portal, £200.00 is paid per day and sent by money transfer to SDGCK Account with name Warren Lyon at CIBC Simplii Financial with account ending with the last 3 digits being 750. The details are below.
Canadian Direct Deposit Details* Financial Institution 010 at CIBC Simplii Financial Canada. Transit number 30800 Name on Account: Warren Lyon. Account number 0110028750 Swift code : CIBCCATT.
Email the .csv before 10 pm the same day to angelronan.sdgckwrite@blogger.com and to info.angelronan@mail.com.
There is one tap card box for all operations that includes the pizza.
You will also pay to All Saints PCC High Wycombe
Sort code: 40-52-40, Account: 00012185 this amount: £24.00 per day.
If you collect at the pub and also make the requisite payments for ten days, you will get a two year mooring at the location. You can hire someone to collect on your box if you cannot be there personally. If you collect but fail to pay only once, you can no longer collect in a zero tolerance policy.
You will keep the remainder of the tap card earnings on account per day and the amount will be pending until the work is completed that includes sending the .CSV file for the day by email to info.angelronan@mail.com by 10:00 pm.
This is not too honerous in terms of tasks.
If you do not make these requisite payments and send the .CSV file from the tap card box app, you cannot return there except as a customer. The tap card collection may be cancelled entirely and the funds retained.
If you steal 9 apples and sell them out of your hat at the overground station, you will be independent but nicked.
If you are interested in being an operator full time or part time, let us know. Send your resume to us using this email address: info.angelronan@mail. com.
SDGCK is now producing a £ 5 Hot Dog and French Fries special at the Black Cross in Crouch End, North London near the Barclays Bank. You pay £8 if you include a drink. James Greenwich will be running a long term PERFETTO Pizza pop up at the Black Cross. "Give me..Free"; The PERFETTO menu and orders begin on Monday with a simple take out and eat in menu. See the sign in the window for the medium and large only pizzas; competitively priced at £5 and £10.The pizzas are super veggie, the Tuna, the Cheese, the ground beef and the Pepperoni; same price. If you want extra sauce or extra cheese just say, " double sauce and double cheese...no charge". You get your extra sauce and cheese at no extra charge. The agreement and licensing fee is set for payment by 11:59 pm. The Operators at Black Cross send their daily work sheets to info.angelronan@mail.com.
Sunday, April 26, 2026
The Federal Reserve. 24/04/2026. Click here. By the SDGCK FIRM. It is to understand the economy as a system and not argue about that. It is to accept that money must flow from the government to the intended users of money with as little resistance or impedance as possible so we keep the cost of money very low and always. The cost is the interest rate. If it's low, then people will join in finance opportunities. But this is not money. This is the cost; the cost of borrowing. The Fed is the lending arm and also hard cash shipment and deliverer of hard cash. This Fed interest rate covers the basic costs of money services and money delivery. The Fed also supervises electronic money transfers across North America with most North American banks carrying a Fed Wire ABA number. They also manage electronic cash delivery to the general public particularly in the form of electronic benefits payments. This is delivered primarily through the States benefits programmes that includes the Federal arm of SNAP as part of the Federal Reserve's management of real consumer stimulus. This is the real SNAP count. The Fed most importantly has to ensure actual money gets to people. The key reason is consumer stimulus and the ability to pay for goods and life in the general cost of living that includes, as we can see, borrowing at times. The average brand new vehicle across the United States cannot be bought on benefits without borrowing or it could be if you have been a resident of some states all your life. Most people finance the acquisition of the vehicle or the home. They finance all kinds of other consumer products.
The Federal Reserve.
24/04/2026.
Click here.
By the SDGCK FIRM.
It is to understand the economy as a system and not argue about that.
It is to accept that money must flow from the government to the intended users of money with as little resistance or impedance as possible so we keep the cost of money very low and always. The cost is the interest rate. If it's low, then people will join in finance opportunities. But this is not money. This is the cost; the cost of borrowing. The Fed is the lending arm and also hard cash shipment and deliverer of hard cash. This Fed interest rate covers the basic costs of money services and money delivery.
The Fed also supervises electronic money transfers across North America with most North American banks carrying a Fed Wire ABA number.
They also manage electronic cash delivery to the general public particularly in the form of electronic benefits payments. This is delivered primarily through the States benefits programmes that includes the Federal arm of SNAP as part of the Federal Reserve's management of real consumer stimulus. This is the real SNAP count.
The Fed most importantly has to ensure actual money gets to people. The key reason is consumer stimulus and the ability to pay for goods and life in the general cost of living that includes, as we can see, borrowing at times. The average brand new vehicle across the United States cannot be bought on benefits without borrowing or it could be if you have been a resident of some states all your life. Most people finance the acquisition of the vehicle or the home. They finance all kinds of other consumer products.
Our concern at the Fed is that the absence of emphasis on real and consistent consumer stimulus has evaded the focal point or hub of discussion across the Fed and within Fed statements. Real Stimulus must be done and has to be done. We set national minimum standards that must be complied with by the states for the yearly amount of benefits paid per citizen in every state; also in every Canadian province and territory. That minimum is now at $ USD 40,000.00 per year. Ideally, it should be $ USD 70,0000.00 per year. This is consumer stimulus. Here, we stop the conversation. We point out that the international economic community is more than Coca Cola and our dear Microsoft 365 branded products.
There are other brands and the corporations that own them who have taken significant risk and stakes in the American economy; as stakeholders. It is not any longer the case that if America sneezed economically the world catches a cold since the Ukraine is a larger consumer market with heavily financed consumers that are flush with their Ukrainian national benefits, consuming through Amazon and various other retailers. They buy Ford Tata and line the Mach E also Benz products. They buy Nikes and Converse but more ably than any English population, arriving at the final answer following robotics and mechanised labor three generations ago. Russia is the same; so is all of Europe. We are way behind if it's a question of consistent stimulus and the amount per North American citizen in our economy. But these international interests and stake holders could become very angry, disappointed since they have made long term investments in America and they are stake holders now like Coca Cola and Budweiser. No loss is tolerated. There is no need for loss caused by investment in robotics, investment to make goods for presumably ready buyers but met unfortunately with insufficient or unsteady consumer demand or buying power. Loss occurs when robotics cancels jobs in the production process. When the jobs are canceled, the consumer cannot pay for his goods. Here, we see the problem. Money is invested in producing goods with a 24 hour per day robotic production consistency. Automation and AI are the rule now and not human labour or work.
To be happy, what is a penny(1 ¢) worth a minute as invested in consumer stimulus to ensure the same consistency in available regular consumer activity that the average consumer across America can fulfill the most essential consequence of the whole system which is to buy, consume and generate the requisite sale that generates the requisite earnings; that we call revenue and also profit? A penny a minute per consumer as provided to every consumer may have been sufficient to achieve requisite, sufficient consumer spending in the 1920's and 1930's. For this system essential in the current era; to avoid borrowing people and families from other lands, we are happy to input as much as 17¢ per minute in real STIMULUS from the Fed through it's state and coordinated SNAP programmes, throughout it's CUSMA influence and programmes to ensure there is sufficient consumer STIMULUS for all of North America in every country for every citizen.
The Cost of Borrowing (the interest rate) is kept low as not to impede what ever borrowing that is requisite to fulfil Purchasing. This is because the economy is hoping to see not only coffee and candy absorbed by the economy at all times but the larger consumer items that involve homes and vehicles. Homes and vehicles require finance. If we do not comply with logic and provide all consumers this small sum (¢17 cents per minute), the system is imbalanced. Homes are empty and the brand new vehicles that remained unsold as built for the US end up all over the world at tremendous discount. The US towns are empty in the local violence that sometimes ensues in a country suffering a plethora of cheap personal arms and munitions as we failed the true snap count; counting the cost of benefits to sustain life in North America; counting the cost of agreement with the UDHR. The violence instigated by national policy that says not all Americans had money portends violence. See the Dillinger file.
So then here we focus on our new appreciation of the minutia of the Cost of Money and STIMULUS. The interest rate that represents the cost of money may move up and down by a point as 1.3% moves to 1.4% or down to 1.2% interest. This only improves the cost of borrowing. But this does not enable Actual Real Stimulus in the ability to pay the loan. The consumer needs the Ability To Pay since reducing the rate only lessens the cost of borrowing but does not enable the actual payment of the loan or provide actual money to purchase the goods. We can improve that in small increments at pennies per minute; ¢17 cents per minute to be exact. We can also improve Actual Real Stimulus across North America. We have the nexus and system call to lead. You can see already that if the US Fed changes it's rate up or down, the Canadian Central Bank follows. The Fed rate should never be higher than 1.5%. Raising it retards borrowing and economic activity. It retards STIMULUS. We thank Gerome for his work in this regard.
Real STIMULUS maintained through the BENEFITS should be relatively consistent so people can Finance their life and make payments consistently with certainty over the usual average borrowing cycle of 5 to 10 years for most Home Appliance or Vehicle finance arrangements or Home leases or the mortgage.
Consistency In STIMULUS between $40000.00 to $70000.00 across North America stands as the goal. But this also now in the long term the problem. Why is it not the same amount across the whole economy like other countries? We could accept some variation in amount paid from one country to the other; but within the same country, it should be the same amount paid to all. It would be best if the amount to all across North America is roughly the same. The food and products we buy are essentially the same and so is the news we watch in addition to the methods by which we pay for goods. The cost is essentially the same with some exchange rate variation.
Unlike other countries, the benefit paid is not the same across the whole economy. It is not equally measured stimulus across the economy. But when you raise the rate by 1%, it impacts all consistently regardless of the consumer STIMULUS money paid to them. So a 1% increase in the Fed rate or in some other factors impacting the cost of living may affect some more than others nonetheless since some are receiving less than others from the government. Some are receiving more; and those receiving less may suffer defaults in payment and abandonment of homes or abandonment of whole towns across North America.
Oshawa was somewhat abandoned but it is being re-occupied by Red and Yellow Asians who can pay the rent and car payments. The Oshawa locals have suffered increases in cost of living that outpaces the current amount of benefits received that has not increased since 1980. The benefit is paid at higher amounts in Quebec, the Yukon, Manitoba and the NWT contrary to s.15 of the Charter of Rights and Freedoms. The international economy does not share the local affinities and willingness to absorb the local fascination with unhappiness. We must accept that this benefit must be paid equally when we contribute equally in sales tax. All provinces are also contributing their share of raw natural resources to the GDP but resource provision is not the reason for the difference in benefits paid. We can see that.
The Canadians ran to Oklahoma, Florida, Minnesota, Texas and Massachusetts looking for hope. The absence of consistent government paid benefits after robotic automation and AI with the joblessness that ot causes is a pull and push factor in a reverse migration; back south. Kawartha or Kanata Trees and lakes are not enough to make a population stay settled. They need money for food, heat and electricity. They can't just skin and eat a beaver for daily sustenance. How do you catch a beaver? But maybe you might buy more pork chops if you have the money.
Love costs money. Then, she can have the six babies a year and help repopulate at 8 pounds gestation in two months. She can travel at the speed limit and also go beyond the limit. Either way, she can think. She will have the baby and you will support her in what she is doing. She can think.
So, we have to find the balance in benefits that works for the entire North American economy. We spent billions in government loans from tax dollars to help all kinds of companies out with retooling of the factory facilities that we now understand and refer to this retooling as automation; not just for vehicles but vacuum cleaners, breads, cookies crackers, milk, beers, cakes and light bulbs made by machine.
Follow the guise of automation, we spend a purposeful amount on ourselves too since I don't get to go to all the company picnics but indirectly maybe we financed the food provided there. So we spend a purposeful amount on ourselves at ¢ CAD 17 cents per minute; every citizen that includes the factory employees.
The goal is REAL CONSUMER STIMULUS for all of North America with a consistent $ USD 70000.00 per anum( USD 13 cents/ per minute or $7.99 per hour) across all of North America. That works out to about $ CAD 90,000.00 per anum( ¢ CAD 17 cents a minute). This is then Base Rate Stimulus; ¢ USD 13 cents a minute as essentially the Rate of Stimulus. We are not paying the machines any money but we provide the machine a kilowatt of energy per hour or per minute for it's function and labour. That is the rate of energy. We pay the consumer a corollary amount for his function and consuming; a purposeful rate of Stimulus as financial energy, a factor of energy that powers the consumer to buy with a tap, a swipe, insertion or online payment.
The Base Rate of Stimulus is the rate of energy in terms of ability to pay made available to the consumer to achieve consistent buying power, demand and ability pay.
The requisite amount achieves all UDHR needs, all economic consumer stimulus needs for all products in all sectors of the economy. Maybe it's that 3 storey, 4 bed town house in Missouri, Tijuana, Kansas or Campbellford, Ontario. You will have enough money as a Canadian, Mexican or American to get where you intend to get to and start your ownership or lease of the property.
We could increase this base rate as a bonus sometimes to celebrate a good lunar mission or success at the Olympics. The Canadians can set their own increases and so can the Americans or the Mexicans. It might be an extra penny on the amount paid monthly in that celebration.
Our earlier comments last year about the power of leadership to resolve the economic anxiety in North America is based on the leadership capabilities of the Fed or the POTUS or both in the productive and positive outflows of our mutual North American endeavour to keep North America occupied and secured; by North Americans hopefully or mostly. Yet if you build twelve 80- storey condominiums over 3 years you will need more people from some where to occupy those new homes and built spaces. We allow a reasonable amount of immigration to satisfy this new supply of homes but all in the North American economy will have enough money to participate.
We accept the power of the international economy nonetheless to occupy our indecisive way in this regard that has festered in spite of all our electrified EBT and money transfer capabilities; to then reoccupy North America with people that amount to nothing more than, from the international average, just another average family that is usually Asian or Islamic with the average moneys that the economy and market demands they will have; as paid by their government but they are living in and occupying North America with those moneys. You failed to occupy and hold your territory. Occupation of and holding a territory requires money. Look at what we have seen, face to face.
Our last concern in spite of all the technologies available to us is the failure of the human to provide services to the population. There is a certain degree of automation in the benefits system that must be implemented to defeat any willingness of some badly motivated human beings to sabotage the benefits or bank accounts of persons in the targeted citizen groups; rendering them abandoned, marooned. Is there a social worker who disabled the benefits on black men in her assigned neighborhoods or service areas? Is there an old Postal worker and his wife who thought they would send the payments but interrupted them when the family was buying a house or vehicle to seek an extortionate payment from that family. He read the Jungle Book and decided that people should give them something since he declared himself the Ogre and King of that region. He said why do they need to buy a house for or a vehicle when all you need is the bare necessities? They were arrested for fraud, extortion and attempted murder in Canada. We suggest a card with App and a bank account.
The international economy reoccupies the territory when you fail to agree with your own financed North American existence. Instead of the North American, we see other peoples from Asia in whole and entire regions( like South Asians in Daytona or Compton) achieving the final consequence of the international economic system and that is a real North American sale; not a theft by a hungry, angry mistreated North American human being suffering a financial genocide ( in the actual North American genocide); but a real, quantifiable and happy sale of robotically made goods. I'm a Democrat really but no matter what is going on I vote for the North American lives.
Thursday, April 23, 2026
Buy this poster framed for $300.00 without the editorial. Angel Ronan with SDGCK. See us at the Heritage Law Centre with the calm and casually dressed volunteers and SDGCK Directors. We are now meeting at the Unionville Alliance Church. Confirm your interest as an SDGCK Director or volunteer by sending us an email to heritagelawcentre@gmail.com. We are also meeting at Hullmark Centre.
Buy this poster framed for $300.00 without the editorial. Angel Ronan with SDGCK. See us at the Heritage Law Centre with the calm and casually dressed volunteers and SDGCK Directors. We are now meeting at the Unionville Alliance Church. Confirm your interest as an SDGCK Director or volunteer by sending us an email to heritagelawcentre@gmail.com. We are also meeting at Hullmark Centre.
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Bank of Montreal v. Farquharson, 2011 ONCA 52 (CanLII) Document History (0) Cited documents (0) Treatment (0) Date: 2011-01-20 File nu...

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