A Brief Note On Insurance Agent Incompetence…

Yesterday, as the entry into a credit company debacle that I plan to write about later today (which, as you know, doesn’t mean that I will), about an hour of my workday was taken up listening to a pitch from a representative of Mutual of Omaha trying to sell me on taking out an home equity loan with the company.

I finally answered the phone call with company’s caller ID because I had not answered about 20 earlier calls, and also because I wasn’t sure why the company was calling me. I explained that yes, I do need cash for many things and yes, I have a lot of equity in the home I’ve been paying the mortgage on for 43 years. I also explained that I have no skills in finance or money generally, am swamped in the wake of my wife’s sudden death, and literally don’t know who to trust or listen to.

He said, “Well, we’re a large, well-respected company with an impressive track record in our field.” I had to wrestle my tongue to the ground to avoid saying, “Yeah, my business involves analyzing all the clever and not-so-clever ways companies like yours lie, cheat and steal.” “You’ve heard of Mutual of Omaha, I assume?” he continued.

“Oh, sure,” I said. “I was aware of Mutual of Omaha even before Henry Fonda started doing commercials for you.” I’m pretty sure he had no idea who Henry Fonda was.

Then he said, “Believe me, with Mutual of Omaha, you’re in good hands.”

I couldn’t wrestle my tongue to the ground after that gaffe.

“Wait,” I said. You just gave me the Allstate slogan. Now I’m completely confused. Next you’ll be telling me that Mutual of Omaha will be there for me “like a good neighbor.”

This is a special category of incompetence that you just don’t see very often. It’s like a Democrat saying that their party wants to make America great again. But the laugh was almost worth the time I wasted listening to the guy.

Almost.

From the Toxic Popular Culture Files: Smalls Cat Food

J.D. Vance’s much maligned “cat ladies” snark , like many furiously slammed comments by conservatives and Republicans are, may have focused attention on to a societal trend seriously threatening the health of American society. (If only he could have articulated it better.)

Lately I have been bombarded with TV ads for Smalls cat food. The promotions and commercials claim that it is “human grade” cat food, and why not, since the TV spots feature disturbed individuals male and female, not just proclaiming these animal companions as their surrogates for children, but literally stating that they are children. “He’s my son,” a young woman says in one ad, speaking of her cat. “She’s literally my baby!” says some guy, also talking about a feline “fur-baby.” Literally!

This would be funny in a mordant way if it were not so ominous. I can’t blame cat food companies for taking advantage of the apocalyptic collision of progressive anti-family attitudes in the U.S. and pet mania: so many people do come to regard a dog or a cat as cheaper, more predictable, less demanding equivalent of a child. What is disturbing about the Smalls commercials is that they represent this mindset as healthy and normal.

Continue reading

Ethics Quiz: The Google AI Olympics Commercial

Google pulled that ad after a wave of criticism on social media.

Is the ad encouraging children to use AI instead of writing their own messages and letters? Is it an invitation to cheat in school? Does it suggest that robots are better at expressing genuine human feelings than humans are? Is having someone, or something, write your fan letters to a personal hero a cop-out? A lie?

Is the commercial “Ick!”, unethical, or just ominous?

Your Ethics Alarms Ethics Quiz of the Day is…

Is that Google AI ad irresponsible, corrupting—unethical? Did an ethics alarm fail to sound that should have?

Curmie’s Conjectures: “Curse You, Red Baron!”

by Curmie

[This is Jack: Almost as if in response to my secret wish, Curmie has submitted a column designed to turn our attention away from politics, division, culture wars and the rest, instead focusing his analysis on pizza ads. Makes me hungry for more…but not more Red Baron pizza. I’ve been eating a lot of frozen pizza since Grace died, and have placed Red Baron on my blacklist. Yechh. DiGiorno, Frescetta and Trader Joe’s offerings are far superior. ]

I can’t speak for everyone, but I’m a little starved for something, anything, other than politics.  The thought that anyone would vote for either of the likely contenders for the presidency (as opposed to against the alternative) is chilling.  So I’ve been casting about, looking for something else to write about.  This may not be much, but at least it’s something.  And I did sort of open the door for this kind of post last Christmas season with an analysis of ads for Monopoly.

Red Baron (the pizza company, not Snoopy’s antagonist, but why pass up an opportunity like this?) has released a trio of new commercials, all connected to the joys of sharing.  They’re not going to convince my wife and me to buy their product—we’ve tried it and found the gustatory difference between it and cardboard to be insignificant (your mileage may vary), but that doesn’t mean their commercials are similarly boring.

Indeed, “Baddie Librarians,” in which two stereotypically bespectacled (complete with glasses chains) older women naughtily share a pizza intended for a single person, is trite but at least reasonably cute.  “Hipsters” is even more fun, as sharing a delicious pizza leads to sharing of a different sort: one character “shares” that he’s tired of being hip, another (her name is Willow, of course) admits that she doesn’t even know what her neck tattoo means, the pizza is described as “way better than kale” (I’ll grant that much), and kombucha is called “garbage water.”  It’s not laugh-out-loud funny, but at least it brings a smile.

Continue reading

Ethics Quiz: The Biden Campaign Model

This one fascinates me the more I think about it.

Above is the model at the Official Biden-Harris Campaign Store advertising the Biden-Harris T-shirt. There are three other models to be seen at the home site: a kind of wimpy male-of-indeterminate-color modeling a “Free on Wednesdays” T-shirt (I don’t know what that means), a butch-looking female model who might be a stand-in for Lia Thomas, and a chunky middle-aged bespectacled guy, also of-some-sort-of-color, holding a “Color-Changing Mug.” This is clearly a DEI campaign site: apparently white models need not apply. But the model above is strikingly unattractive as well as sexually ambiguous. Unless the marketing industry no longer operates according to the Cognitive Dissonance Scale, the idea in advertising is still to connect the product with positive images.

Your Ethics Alarms Ethics Quiz of the Day is…

What’s going in here?

I could see the same model being used in a satirical ad put out by the Trump campaign. Is this flagrant virtue signaling? (What’s the virtue?) Pandering to radical feminists? DEI madness? Gross incompetence?

Oh…here are two of the Trump campaign’s models:

Yeccchh.

Ethics Quiz: Fake Celebrity Voices [Corrected]

I decided to write about this insidious (but ethical?) phenomenon when I realized that the Jimmy Dean breakfast sausages TV ads are now using an AI-faked Jimmy Dean voice. For decades they only had one brief catch-line from the old ads when Jimmy was still alive (he died in 2010); we would hear the real Jimmy say, “Wake up to the goodness of Jimmy Dean sausages!” in various combinations. Now, AI Jimmy won’t shut up. (The new Jimmy doesn’t even sound quite right, in my opinion.)

NBC announced last week that veteran sportscaster Al Michaels will be doing recaps during the 2024 Paris Olympics. Well, not really Al; a fake Michaels generated by artificial intelligence will re-create the familiar sportscaster’s voice to provide customized Olympic recaps for Peacock subscribers. “Your Daily Olympic Recap on Peacock” will give users a customized highlight playlist, narrated by AI Al.

Al, who is well past his pull-date at 79 (though still younger than Joe Biden), apparently was happy to have AI Al take over for him, and especially happy to receive the check.

Your Ethics Alarms Ethics Quiz for July Fourth is…

Is this unethical or just “Ick”?

Continue reading

Father’s Day Morning Nausea, 2024 Election Ethics Train Wreck Edition

Waking up this Father’s Day [Thanks, Dad, for 1) being such a terrific, selfless father 2) for continuing to be an inspiration, a role model and a guide during my highs and lows (like now), and everything in-between 3) for loving my wonderful mom and showing it so brilliantly to everyone, especially her, without interruption for almost sixty years; 4) for somehow saving so much money on a modest salary to hand over to my sister, me, and the three grandchildren through sacrifice and smart investing, because without it I would be living in a cardboard box right now, and 5) for surviving the Battle of the Bulge] to the near certainty that my son (who informed me last week that he would like me to refer to him/her/they as my daughter, Samantha. OK! ), is almost certain to ignore this rather contrived holiday (which is fine with me), a mystery in my yard in which someone or something keeps pulling the 15-foot-long heavy plastic, 7″ diameter tubing, installed to send runoff from the gutters into the garden rather than into my home’s foundation, off the down spout and dragging it into my neighbor’s yard, and another fight with a customer service rep, who, I swear, spoke exactly like Andy Kaufmann’s character on “Taxi” but faster than an auctioneer—yes, this IS a long sentence!—I sat down with Spuds to talk myself out of seppuku, drink a cup of coffee, and check what nonsense the various news networks were spouting.

Big mistake.

Continue reading

Now THIS Is Pandering…

Ugh. These are not the only corporations playing this dishonest and cynical game, as you know. There are so many ethics alarms this junk sets off it’s difficult for me to keep the clanging straight–oooh, can I still say “straight”?

1. The robotic response of companies and organizations falling into lockstep during “Pride Month” (and Black History Month, and…yada yada) has the stench of forced speech about it, like everyone flying swastikas in 1930s Germany. Are the companies afraid not to demonstrate the mandated rainbow obeisance? What does BP have to do with sexual orientations and non-standard sexual practices? Why should a company like that have any input into the conversation at all? Shut up and drill.

2. These phony gestures also indicate obedient mass participation in cultural propaganda and indoctrination. It is an abuse of power and influence, and it doesn’t matter whether the organizations are endorsing kittens or cannibalism. I feel my arm being twisted. I resent it.

3. If these rainbow logos really represented the companies’ values, then they wouldn’t hide them in nations where intolerance reigns. In fact, those are the cultures where the advocacy is most needed and might do the most good.

The bottom line, as those companies’ VPs might say, is that their management and ownership have no genuine values, other than the desire to make money. That’s fine: capitalism works, and the profit motive makes it work, but these facile, empty gestures should be reminders to all that the pandering organizations cannot be trusted or believed whether they are lining up to bow to BLM, DEI, #MeToo, the stupid Wuhan lockdown, or whatever the latest woke fad of the moment happens to be.

Ethics Quiz: Those Wacky, Pandering Episcopals

I really, literally, couldn’t care less what the Episcopal Church does, or any church, really, as long as it isn’t enabling crimes, abusing its influence or actively making its followers stupid. But…seriously, Episcopals?

From the press release announcing that thing:

In affirmation and celebration of The Episcopal Church’s LGBTQ+ members, the Office of Communication is pleased to unveil a new Pride shield available online for churchwide use. The design retains the upper-left blue corner of The Episcopal Church’s shield logo and incorporates elements of the traditional Pride flag as well as the Progress Pride flag and Philadelphia Pride flag. In their use of black, brown, pink, and light-blue diagonal lines, the latter two flags represent intersectional progress in acknowledging people who are often overlooked by the mainstream LGBTQ+ movement: communities of color; the transgender community; and the many thousands harmed by anti-LGBTQ+ policy—from those who lost their lives in the AIDS crisis of the 1980s and ‘90s, to those still disproportionately impacted today…For half a century, Episcopalians have been working toward a greater understanding and radical inclusion of all God’s children. …In June 2023, Presiding Bishop Michael Curry issued a video message of encouragement to “all of my LGBTQ+ family members,” noting, “I believe deep in my soul that God is always seeking to create a world and a society where all are loved, where justice is done, and where the God-given equality of us all is honored in our relationships, in our social arrangements, and in law.” Last month, the church announced the hire of its first gender justice staff officer, a new position called for by the 80th General Convention and dedicated to justice, advocacy, and inclusion work focused on women and LGBTQ+ people.

“In the United States, the bodily autonomy of women and trans people is under attack, and fully 50% of LGBTQ+ Americans live in poverty,” said Aaron Scott, gender justice staff officer. “I am grateful for the care and intention that went into designing this new Pride shield as it not only represents the LGBTQ+ community more fully, but also lifts those who, out of sheer necessity of survival and dignity, have fought the hardest and sacrificed the most for the thriving of all of us.”  

Discuss. I don’t even know how to phrase an ethics quiz in response to this.

Continue reading

Ethics Dunce: Wells Fargo

I received the notice above in my email inbox two days ago. Wow! That deal looks almost too good to be true!

It was. When I examined the terms, I discovered that the bank had made a teeny mistake. It didn’t take a deposit of just 25 dollars to earn the $525 bonus. It required a deposit of 25 THOUSAND dollars.

Details, details.

That’s a three decimal point error. It doesn’t exactly engender trust in the bank’s staff, its management, or it quality control procedures, does it?

Wells Fargo has a notable dossier on Ethics Alarms, notably here, but also here, here and most recently here. And the hits just keep on coming: this was an item from yesterday: Wells Fargo Accused of Draining Customers’ Accounts Without Notice or Authorization in ‘Blatant Disregard’ of Consumer Loan Protections: Class-Action Lawsuit.

Yeah yeah, anyone can make a typo (don’t I know it!) but a bank’s business is getting numbers right. I would think that especially after its terrible publicity over the past several years, Wells Fargo would check and triple check a mailing that goes out to all of its depositors to make absolutely certain no unnerving mistakes are in the copy.

I would think that, and apparently I would be wrong.

Being a helpful, responsible customer, I sent a screen shot of the botched email to my banker at the local branch. I got no reply; I also never received any error acknowledgment from the bank.

They probably are still sending that promotion out.