Gretchen Rubin

Happiness is a critical factor for work, and work is a critical factor for happiness. In one of those life-isn't-fair results, it turns out that the happy outperform the less happy. Happy people work more hours each week - and they work more in their free time, too.

A person with 'oppositional conversational style' is a person who, in conversation, disagrees with and corrects whatever you say. He or she may do this in a friendly way, or a belligerent way, but this person frames remarks in opposition to whatever you venture.

Nature is impersonal, awe-inspiring, elegant, eternal. It's geometrically perfect. It's tiny and gigantic. You can travel far to be in a beautiful natural setting, or you can observe it in your backyard - or, in my case, in the trees lining New York City sidewalks, or in the clouds above skyscrapers.

It is only when you watch the dense mass of thousands of ants, crowded together around the Hill, blackening the ground, that you begin to see the whole beast, and now you observe it thinking, planning, calculating. It is an intelligence, a kind of live computer, with crawling bits for its wits.

It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.