#I have the right to refuse to give a customer the loan car | Explore Tumblr posts and blogs

shes-an-oddbird · 4 years ago

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Merry Christmas to my Fitzsimmons Secret Santa giftee @springmagpies ironically started working on my Christmas at River’s End Mall fic a couple of weeks before I received your fantastic prompt: working at the mall during the holidays! It was a fun coincidence and it was nice to work on this as a stand alone fic that could exist in the same universe as that story.

I also wanted to make a moodboard to go with it since I’m so inspired by yours! I hope you enjoy it!

The Good & The Bad Of Seasonal Jobs

Summary: Leopold Fitz hates his seasonal job demoing the poorly made gadgets on the top of everyone's Christmas lists. Jemma Simmons loves her seasonal job wrapping those gifts. Together they make a a perfect team, even if they haven't officially met yet. Until Jemma is presented with a task that dampens her Christmas spirit and her and Fitz team up to get it back.

His expertise is being wasted.

Fitz is convinced they’ll be by to revoke his credentials any moment now.

If he sells one more shotty piece of home gadgetry with the promise that it will improve their customers everyday lives he might as well tear up his doctorate degree.

But he’s still short the cash he needs to get home for the holiday so here he is. Standing in a crowded mall, demoing cheaply made drones, remote control cars and robotic animals. Couldn’t one of these manufacturers create a monkey instead of the typical dog and cat? Are opposable thumbs that much of a challenge?

He knows the morning rush is starting to settle when he can hear the slightest jingling coming from the gift wrap kiosk across from him. A noise that would normally put him on edge has become a bright spot in his day. It came from the silver bell worn by the gift wrapper, Jemma, who worked the kiosk. She kept the bell tied around her neck on a long blue ribbon and with every move she made it rattled a cheery sound that added to the festive atmosphere in the mall.

He wasn’t much for Christmas cheer himself. He wasn’t a complete grinch, despite what Hunter might say, but if all of his income from the lab didn’t go straight to student loans, rent and food he definitely wouldn’t have bothered with the seasonal work at all.

Every time his spirits started to fall though, he’d glance over at Jemma to find her glancing back at him. No matter if it was irate customers or screaming children or an upset manager, she was close enough to hear and observe and would shoot him a supportive smile.

They had yet to actually speak to each other but they had found other ways to communicate. One of the most in demand drones of the season utilized a camera and messaging system. She had taken to writing notes on scraps of wrapping paper that he could read through the drone camera and he was able to send back messages to her.

He would love to talk to her in person but the more and more he learned about her from their notes the more and more nerve racking that prospect became. She was brilliant. A double PHD. She worked for a lab he interviewed at a while back but had ended up recruited for a project at another lab across town. He almost regrets taking the project now, the one she was in the middle of sounds fascinating and he thinks they’d make a good team.

But then again, that would involve talking directly to her.

Which would happen, eventually.

It’s early afternoon, kids not yet out of school but late enough that mall walkers and nannies with young ones were heading home. This was the time when they usually found a chance to “chat.” He readies the drone to fly it over to her station but stops when he sees she’s got a customer. A well-dressed man, expensive suit and a pair of matching jewelry boxes in his hands. He spends a moment talking to her, a charismatic smile on his face. She’s not impressed if he’s flirting. She nods curtly back at him as she takes the boxes and he leaves.

Fitz watches her shoulders sag and her demeanor change as she examines the boxes before setting them aside and turning to fetch some paper. Her bell jingles and she stops in her tracks. She removes the necklace and tosses it aside before returning to the task.

Fitz doesn’t know what it was the man said or did to ruin her day but after she’d done so much to improve his bad moods, he felt like he should do something. He quickly packs up the drone and waves to his manager that he’s going on his break.

****

Jemma couldn’t imagine a better holiday job.

When Daisy had told her she could probably get her the open gift wrapper position at the mall she had jumped at the opportunity. It wasn’t exactly science, although Daisy claimed she’d made an art out of it. Just because she liked her patterns to precisely line up and her ribbons to match, it wasn’t that special.

She does love the look in her customers eyes when they pick up their presents.

She also loves the light in the customers’ eyes when they hand her their gifts to be wrapped and she just knows they had found the perfect thing for their loved one. Sometimes the gifts would come along with a story, the hours they waited in line, the dozens of stores visited, the didn’t-plan-on-it-but-I-saw-it-and-thought-of-them. She loved that. It made her want to wrap each gift with just as much love and care.

She thinks that might also be why she maintains her Christmas cheer while Fitz, who works at the shop across from her station, is so grumpy all the time. Poor Fitz. He gets the customers before she does. When they are frustrated from having been on their feet all day with the end not in sight. Their kids tugging and pulling and screaming and begging for this and that. And a manger breathing down his neck, pushing him to sell drones that she knows he thinks are poor quality and will inevitably break.

He’s an engineer, she found out one day when he was messaging her about the poor controls on the drone after apologizing three or four times for nearly hitting her with it.

The day is starting to quiet down for the afternoon lull. She’s caught up on all of her work and is gathering up scraps to write her notes to Fitz on when there is a tap on the wooden counter. She looks up to see a tall well-dressed man waiting for assistance. He’s got just two matching boxes in his hands so she thinks she can knock them out quickly and still have plenty of time to chat with Fitz before the afterschool rush hits.

“Yes, how can I help you today.”

He grins down at her with a charming smile and an unconvincing look of innocence in his eyes.

“Yes, you certainly can, I’ve got a sort of special task.” He places the identical jewelry boxes down between them. “You see this one here, is for my wife,” he slides the first box forward, “and this one,” he places his hand on the other box, “this one if for, well not my wife.” Jemma narrows her eyes in confusion, “so you understand it’s important not to mix them up right?”

Then it hits her and her stomach fills with dread. She looks at the boxes again. They’re branded on the side with the logo of the expensive jewelry shop down at the other end of the mall. “May I?” She asks, reaching out for them. She opens the first to reveal a pretty gold bracelet with a woman’s name engraved in cursive and three sparkling charms. She opens the second box to find a second bracelet, exactly the same except for the name. “Um, they’re lovely.”

“So we don’t have a problem here?” He asks.

Did they? Could she refuse service to this guy because he was cheating on his wife and possibly misleading some other poor woman? Its certainly what she’d like to do.

“No, I suppose not.”

“Perfect, I’ll be back for them this evening, dinner with the girlfriend first, then dinner with the wife.” He taps the counter again. “Do them up real nice for me.”

Jemma nods and collects the boxes. She moves them to the back worktable and starts to select a wrapping paper when the bell on her necklace jingles and she stops. Her bell was tradition. She wore it all through the holiday season thinking the gentle sound was a pleasant way to spread holiday cheer. But now, now it was like it was mocking her.

She takes the bell, pulls the ribbon over her head and tosses it aside.

Maybe it’s a side effect of her frustration or maybe it’s her desire to give the woman being two-timed something individually beautiful; whichever it is she wraps the two bracelets exquisitely. The paper is elegant, the ribbon satin and she even takes the time to add little decorations like pine bristles and bells. She carefully inscribes the cards for the top and gently tucks them under the ribbons before placing them with the rest of the gifts ready for pick up.

It’s exhausting. She has an overwhelming desire to close-up for the day or call out early so that she doesn’t have to be here when he comes back for them. Fitz isn’t even at his usual post, ready to make her laugh.

Someone clears their throat behind her and she spins around on her stool. Fitz is standing at the front counter, two to-go cups in his hands. She’s unsure how to proceed for a moment. Her and Fitz hadn’t actually spoken in person since they started their seasonal worker comradery.

“Hi.”

“Hey.” He shifts back and forth unsure what to say either.

“Thirsty?” She asks, curious about the two cups. Maybe one for now and one for later?

“Oh, no, um one is for you, I hope hot chocolate is okay.” She feels a smile fight its way through her gloom. She can’t help it, hearing his voice for the first time is thrilling. He’s Scottish. Which she had learned from their messages, he was trying to earn money for the ticket home, but it still threw her off just a bit.

“Thanks, but why?” Why today, she really wants to ask.

“I don’t know, you’re always so positive and then that guy came by earlier and you looked upset, I just thought this might cheer you up.”

“Oh, thank you.” She except the cup and the warmth spreads through her chilly hands. She takes a sip and the warmth runs through the rest of her. She savors it for a moment then cringes. “Was is that obvious, that I was upset I mean, do you think he noticed?”

“I doubt it, seemed a bit self-absorbed to me.”

“He’s horrible, bought his wife and his girlfriend the same bracelet for Christmas and didn’t want me to mix them up.” She gestures to where the boxes sit on the very top of the pile.

Fitz face scrunches up in disgust. “What a wanker – sorry.”

She tries not to laugh. “Its okay, he really is, would you like to sit down, I’ve got a second stool back here.”

“Sure, I’ve got a little time.” Jemma excitedly sets aside her beverage and flips up the countertop so he can join her. They settle onto the stools and he swivels his back and forth nervously. “Its strange talkin’ to you in person.”

“Not bad strange, I hope.”

“No, no definitely not bad.”

She ends up asking him about how his work project is coming along and he tells her about the snags they've hit but that its really coming along. He thinks they could use a good biotech person to which she has to decline, being in the middle of her own project. Their conversation slows and Fitz chugs the last bit of hot chocolate before looking for a bin.

"Its under there." She points to the trash can next to the stacks of gifts. Fitz tosses the cup and examines the mountain of presents.

“So why not just switch the cards on these?” He asks as he grabs the bracelet boxes off the pile and places them in front of him.

Jemma frowns. “I can’t do that.”

“Why not?” Fitz asks as he traces the cards with his finger. “Its not like the guy doesn’t deserve whatever would come of it.”

“Well yes he would but it’s my job, I can’t just let my personal feelings effect how I do things, besides he could take it out on the mall if he wanted to, May shouldn’t have to deal with that.” She reasons.

“I think May would on your side.”

“I still can’t Fitz.” She insists as he slides free the tags.

“Fine.” He slips the cards back onto their respective boxes. “Still want to get back at him for ruining your day.”

“Fitz I promise, today is turning out to be pretty great, here – “ Jemma picks up her discarded silver bell necklace and carefully loops it around Fitz’s neck. Her fingers graze his neck, just above the collar of his work polo and she draws them back quickly.

“What um, what’s this for?” He asks reaches for the bell.

“It’s for spreading Christmas cheer, I think you’re doing a better job of that right now than I am.”

****

Fitz promises Jemma he’ll return her bell at the end of the day. They’re both working open to close and by nightfall the mall is bustling. Friday nights are always busy, usually with teenagers but now with everyone shopping for Christmas its wall to wall people. He’s out demoing drones again. They draw the biggest crowd into the store and the manager had convinced May to let them project the camera’s video feed on to the big screen downstairs at the mall’s Christmas set up.

It keeps him busy. Trying to find interesting things to focus in on. He does enjoy the opportunity to stray farther and farther from the shop. From the balcony he can swoop the drone down to the kids waiting in line for Santa. They wave excitedly and screech with joy when they see their faces up on the screen.

As he retreats the drone back to him there is an audible ‘aww’ of disappointment but if it gets too far away it’ll loose connection and he’ll have to go fetch it when it crash lands. As it comes back up over the railing he does a fancy little spin hoping Jemma is watching. The bit of trick flying always earns him a smile and an eyeroll but when he looks over he sees she busy.

The man from earlier is back to collect his packages. He wishes Jemma would have swapped the cards on them or that he had just done it for her. He knows he shouldn’t but he swings the drone around anyways, he’s a good distance from the guy but its enough to startle him when it wizzes past his head.

“Watch it with that thing!” He snaps.

“Sorry, shotty controls.” He apologizes and holds up the remote guiltily. Still scowling the man take just one of his packages and leaves in a huff.

“Fitz, that was dangerous.” She chides but doesn’t sound as cross as he suspects she could be about it.

“I wasn’t gonna hit him.” He lands the drone on Jemma’s workstation. She’s fiddling with the bow on the man’s other gift. “Why didn’t he take that one?”

“Dinner with his girlfriend, didn’t want to be caught with it.”

Fitz rolls his eyes before returning to the store.

Their long day continues on and the crowds slowly start to dwindle. There are a few stragglers getting in last minute purchases but most of the patrons are either waiting on restaurant reservations or letting out from the evening’s first seatings.

Fitz has just finished charging up the camera drone before locking it up for the night when Jemma rushes into the store.

“Okay, I can’t take it anymore I have to do something or say something.”

“What are you talking about?”

“That guy, that horrible, horrible man just kissed his girlfriend goodbye and marched right over here to get the bracelet for his wife who is waiting for him at the restaurant literally around the corner and I just can’t take it, he’s so arrogant and and awful and – “

“Okay, okay, calm down.” He places his hands on her shoulders gently hoping to sooth her frantic motions. “I thought your hands were tied, that you could do anything.”

“They are,” she stresses, “but it’s so unfair Fitz.”

“Okay well,” Fitz doesn’t know how to help in a way that doesn’t get them involved. He could march right up to the guy and confront him but he suspects that will end very badly. If there was away for them all to figure it out on their own maybe with just a push on their side.

“You said you saw the girlfriend?”

“Yes.”

“You think she’s still here?”

“Maybe, I saw her head downstairs, I assumed that she was leaving.” Fitz takes Jemma’s hand and rushes her over to the balcony. Her eyes scan the small crowd below. In a small seating area by the North Pole set up a woman has set down her things on an armchair and is pulling on her gloves, Fitz sees the shimmer of a bracelet on her wrist. “That’s her.”

“Okay, go try to keep her there.”

“But I can’t tell her, I can’t just delivery that sort of news she may not even believe me.” Fitz is already shaking his head at her protests.

“That’s the thing about Christmas isn’t it, adults don’t believe in Christmas spirit and Santa and all that because for them seeing is believing,” Fitz rushes back into the shop and grabs up the camera drone. “Let’s give them something to see.”

****

“Excuse me, Ma’am, excuse me.” Jemma races up to the pretty blonde woman who has just finished pulling on her coat and scarf. The woman looks at her startled.

“Yes, can I help you?”

Jemma froze. She didn’t want to be the one to pass along such horrible news. But she only needs to buy Fitz some time. “I, I – I’m sorry you don’t know me, my name is Jemma Simmons, I work upstairs at the gift wrap station, I actually wrapped that lovely bracelet you’ve got there.” She says, pointing to the piece of jewelry the woman is trying to free from her coat sleeve.

The woman smiles. “You did an incredible job, my boyfriend wanted to claim it was his own work, but I knew he could never manage anything like that, he can be such a slob.”

“Among other things.” Jemma mutters quietly but not enough that the woman misses it. Her eyes narrow suspiciously.

“Is there a problem?”

“Um, no, well yes you see – “

“Aww, check out the big screen.” Someone calls and both women turn to the large television. Jemma recognizes the feed from the drone immediately. The camera is trailing along a line of guests waiting to be seated at the restaurant upstairs. They wave cheerfully at the camera which comes to a stop on the man and his wife as he gifts her the bracelet and she excitedly rips open the package and throws herself towards him in gratitude.

Jemma worriedly turns to the woman who has lowered her attention from the screen back to the bracelet. One identical to the one on the screen. For a moment she looks terribly heartbroken.

“I’m so sorry, I feel like I’ve just ruined your holiday.” Jemma’s not even sure she hears her. She’s about to ask if she’s alright but then a look of determination crosses her face and she looks up at her with a smile.

“Thank you, um, you set this up?” She gestures to the screen.

Jemma nods cautiously.

“Prefect, can you make the feed go away, there are children here and they really don’t to see what’s about to happen to him.”

Jemma breathes a sigh of relief. “Consider it done.”

By the time she texts Fitz and returns to her kiosk he is already there looking rather pleased with himself. “You’re not even going to ask if it worked first?”

“Didn’t have too, heard the woman coming when I was clearing out of there.”

“Oh dear, I hope it doesn’t get out of hand, I still feel awful.” She says as she leans against the counter next to him.

Fitz nudged her shoulder with his. “Jemma they were being two-timed, if it was you you would have wanted to know right?”

“Yeah I guess so.”

“Then let it go, please, because I need you to go back to being the cheerful one, it’s too much work for me.” Jemma laughs and nudges his shoulder back. He slips the bell off from around his neck and carefully drapes it back around hers. She looks up at him, her whole body feeling jittery and her eyes land on his. She thinks, and blushes at the thought, that she would kill for a bit of mistletoe right now.

She aims for his cheek instead. Landing a thank you kiss on his scruffy jaw and watching happily as he turns a cute shade of pink.

“Um – “ He stutters out.

“Excuse me.” Jemma and Fitz step apart quickly. Standing a few feet away are the blonde woman from downstairs and a second woman who looks elegantly dressed and perhaps a little frazzled. “Sorry, we didn’t mean to interrupt, I was told I might owe you both a thank you?”

“Oh no, it was nothing – “

Fitz cuts her off. “No please thank her, she’s convinced she’s ruined your Christmases.”

“Well, its certainly taken a turn, but for the best in the long run.” The second woman says. She looks between the pair of them. “Actually, as a thank you, would you two like our reservations, someone should have a romantic date night.”

Jemma blushes and Fitz clears his throat. “Oh we’re not together and we should really be working actually –“

“Yes working, right.” Fitz scoops up the drone and hurries off.

Jemma watches him go before turning back to her company. “Thank you, that was very generous of you to offer.”

“Of course.” She says. “And please, don’t worry over this.”

“Yes, its our problem and its being delt with,” the blonde woman agrees. “Should have known something was up, all the time we were together, and he never once looked at me the way that man there looks at you.”

Jemma doesn’t know what to say in response. She looks back at Fitz who glances up at her at the same time and sends her a boyish smile.

“Have a good night Jemma, you’ve given us a lot to think about, maybe we’ve given you something to think about as well.” The women leave and Jemma is left standing at her gift wrapping kiosk, fiddling with the silver bell around her neck.

#fitzsimmons secret santa #fitzsimmons #leo fitz #jemma simmons #fitzsimmons fic

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patrick-hockstutter · 5 years ago

Note

If you decide to write bowers gang fan fiction again, could you do like a “bowers gang quarantine” basically what it be like being quarantined with them. I know it’s modern but like still

Y O we doin this right THE FUCK now. And I love the idea of doing this modern day! I actually got a modern Bowers Gang request ages ago that I always wanted to do but never got around to, so I’ll mix it in with this! (and maybe do it after this, who knows, quarantine got me feelin’ some type of way...)

Victor:

This boy is so easily stressed out that he’s in constant need of a soothing activity to keep his mind busy

So you immediately introduce him to the world of face masks and bubble baths

And it’s like this boy has t r a n s f o r m e d

He’s constantly just GLOWING

But he still needs to keep his brain busy, face mask on and ready to go

Victor is an Animal Crossing baby right now

If he goes anywhere, his turquoise switch lite is always in hand

Everything going on has got him so stressed out, so he focuses 100% on his island (which is fucking beautiful at this point)

He then convinces you to get the game and a coral switch lite, and you also get to the point where you can’t put it down

The two of you can be found laying in bed all day visiting each other's islands, filling up your museums, and paying off your loans to Nook

(wearing face masks)

When he’s not playing Animal Crossing, he’s channeling all his energy into his doodles

With some encouragement from you, he starts streaming his art on Twitch and surprisingly gets a pretty good following

You love seeing all the support he’s getting on social media but you juuuuuuust can’t help yourself...

So you post a picture of him laying in bed, playing Animal Crossing with a bright green face mask on and his hair pushed back on Instagram

He’s embarrassed at first, but it eventually gets turned into a relatable meme and he honestly is quite proud of that

It can now be seen as a custom emote for his Twitch subscribers

(and as your phone lock screen)

Belch:

Honestly couldn’t be happier to be on government mandated lockdown

(especially with you)

Belch is such a homebody so he is in complete bliss rn

The two of you spend most days snuggling, snacking, binging shows on Netflix and watching conspiracy theories on YouTube

Y’all watch so much tv at this point that you’ve actually moved the mattress into the living room and made it into a deluxe blanket fort

The two of you swore to start cooking more since you couldn’t go to restaurants anymore, but damn did Domino’s have some good ass coupons...

Long story short, you ordered pizzas more times than you’d care to admit

But whatever, self care, am I right???

Belch also used this time as an excuse to force you to learn about cars

He always said that if you were gonna drive one, you’d need to know how to fix it

You’d always figure out how to cute your way out of it, but not this time

There was n o e s c a p e

He taught you to change your tires, headlights, oil, brake pads, check all your fluids, the air filter, E V E R Y T H I N G

By the time Belch was done with you, you were basically ready to open up your own auto shop

But then it was straight back to the blanket fort

And although Belch was straight vibin’ in quarantine, god did he miss driving

So he would take you on these nice midnight drives

Sure, he would blast music as loud as he could, but it was so relaxing to look at the stars and the occasional deer that passed by

Henry:

Absolutely follows 0 of the rules at first

He’ll go to the grocery store if he damn well pleases whenever he damn well pleases

Even if he doesn’t need or want anything, the big ‘fuck you’ to government orders is enough for him

At first he just lounged around all day watching tv, but he finally started to get bored

So he started sneaking out of his house and into your bedroom despite the lockdown order

And as much as you wanted him with you, you refused to let him inside

You were a goody two shoes, what could you say? (but of course this is why Henry was drawn to you; he got off on tainting you any way he could)

So he persisted, but you could tell he was doing it mostly to be a jackass

Until one day he showed up looking like a lost puppy, so you caved

You were also a softie, what could you say?

Henry wouldn’t say it, but you knew the lockdown order had finally sunk in and he realized that he would have to be quarantined with his father

So you decided to be his safe haven (and his constant distraction)

You introduced him to your PS4 (he’d never had the luxury of having his own game system) and it opened up a whole new world for him

Games like Destiny and Red Dead Redemption really gave him an outlet and he especially loved that he could control what he did with his character in Red Dead

Which then led him to RPG games like Wolf Among Us and Until Dawn

The two of you would pull all nighters playing these games, constantly debating on which choice to make and how it would impact the story

And when you two weren’t playing games, the extra time quarantined together actually encouraged him to start opening up to you

So one minute the two of you might be swearing at a video game while the next you might be deep in conversation over a cozy cup of cocoa

Patrick:

You thought he was a nightmare before?

Well, I hope you’re prepared to handle him 24/7 for god knows how long

This boy is jumping off the fucking walls okay

And he can’t take it out on the Losers Club, so it has to come out somehow...

This motherfucker starts a prank channel on YouTube and decides that you are his target

Sometimes it’s as harmless as pretending he factory reset your iPhone

Sometimes it’s as infuriating as destroying your eyeshadow palettes and pressing sidewalk chalk into the pans

Sometimes it’s as terrifying as him chasing you around in a monster mask with a kitchen knife while you’re just trying to paint your damn nails

But no matter how pissed you get, he gives you that dumb stupid cute smirk you love to hate and kisses you, reminding you why you tolerate him in the first place

And as much as you think you can, you really can’t stay mad at him for long

Because when he isn’t devising more dubious schemes for internet views, he is alllllllll over you

Somehow being quarantined has amped up his testosterone an ungodly amount

And there’s only so much PornHub’s donated free subscriptions will take care of

But when all these fun and games finally come to a rest, Patrick is jumping off the walls in a completely different way

He has never had to be cooped up for so long, and his mental health disorders are really getting the best of him right now

It gets worse during the night, so you’ve started taking him out to stargaze to calm down

Afterwards, he finally starts to calm down and you actually get to spend some quality time with him

You’ve also found that puzzle games give him something to problem solve with rather than focus on his own labyrinth of a psyche

And in these moments the two of you can finally relax, listen to a creepy yet hilarious episode of Last Podcast On The Left, work on some sort of puzzle game, and enjoy some peace and fucking quiet for once

309 notes · View notes

jemelle · 5 years ago

Text

these are ties that bind (3/8)

you can also find this story on ao3!

fandom: criminal minds

rating: t

(chapter) word count: 2,861

masterlist

summary: emily and hotch must pretend to be in a long-term relationship in order to foster carrie. shenanigans and serious conversations alike ensue.

three.

On Monday, Emily took Carrie to her first day of school. Hotch had wanted to come, but he had to take Jack to nursery. Secretly, Emily was pleased to have this moment alone with Carrie. She remembered all too well the feeling of starting a new school, getting used to a whole new set of customs and rituals.

She had called the principal yesterday and received her express assurances that Carrie would be able to start school mid-year. Her credits would transfer over, but Emily knew that wasn’t the difficult part. It was starting classes when everyone else knew each other’s names, when they had silently picked a seating chart and knew who they’d partner with for group projects.

Carrie had insisted on finding the school office by herself, although Emily had offered to come with her. She had suggested (facetiously, knowing Hotch would never tolerate it) that her FBI badge might help smooth things over, which had drawn a much-needed laugh. She had also suggested that Carrie should think about taking some honors classes, but decided to shelve the conversation when she saw the obvious flashbacks her request had caused.

They pulled up in front of the school, an imposing brick building that reminded Emily of the quintessential high school from every teen movie. Students were already streaming into the building, chattering as they went along.

Emily searched for the right words to assure Carrie that she was capable of doing this. She was sure Hotch would have made an eloquent speech, but heartfelt sentiments were never her forte. She settled for flashing Carrie a smile and a thumbs-up.

Carrie smiled back and reached across the console to hug Emily, who reciprocated with only a moment’s hesitation. Two hugs in almost as many days was new territory for Emily, who tended to receive them more on a bimonthly basis, but she had a feeling it might become the new normal.

Emily watched Carrie walk towards the school until she had disappeared through the front doors. The honks of cars behind her informed her that she was holding up the carpool line, but Emily didn’t feel even a little sorry.

By Wednesday, Emily knew the jig was up. JJ had been shooting her and Hotch strange glances all day, looking as if she was trying to resist blurting something out in front of the entire bullpen. As Emily passed by JJ’s office, she felt a hand dart out and grab her wrist. Before she could respond, Emily was pulled into the darkened office.

“What do you want?” She knew, of course, but it was better to let it play out. There was a chance, albeit minuscule, that JJ simply wanted Emily’s help in planning a surprise party for Rossi.

“Is this true?” JJ thrust the paper into Emily’s face. It was the address change form that she had just submitted. Damn. She and Hotch had been hoping the paperwork would pass to Strauss unnoticed, but they should have known JJ was never anything less than thorough.

“Yeah, it is.” She’d answered the question, technically, but they both knew that wasn’t what JJ was really asking.

“But you’re not attracted to men.” Emily had come out to JJ during one of their “girls’ nights,” while Garcia was fetching another round of drinks. JJ had been talking about some guy at the bar who she thought was cute, and Emily had felt something snap in her. She didn’t want to have to hide anymore: she knew JJ would be accepting even if she didn’t fully understand. And so Emily had blurted it out before she really knew what she was doing. JJ, to her credit, had blinked once before asking Emily if there were any girls at the bar she thought were good-looking.

“Thanks, I know.” She hadn’t meant to sound so peeved, and regretted it immediately when she saw a look of hurt flash on JJ’s face.

“I’m just looking out for you.” Some days it felt as though that was JJ’s real job, caring for the team and trying to remind them not to lose sight of the mundane life they were fighting to protect. It was mostly futile, and they all knew it.

“I know,” said Emily, smiling at JJ and reaching out to squeeze one of her hands.

JJ looked horrified as a thought came to her. “Hotch didn’t make you do this, did he?” At that, Emily nearly doubled over with laughter.

“God, no. If anything I forced his hand.” JJ looked confused, and Emily didn’t blame her. Present situation included, there were very few worlds in which Emily would voluntarily ask Hotch to move in with her.

“So, remember when you said you could see me with kids?” JJ nodded, realization beginning to dawn on her face. “Well, Hotch is currently helping me take care of Carrie and neither of our apartments was suitable for two adults, a teenager, and a very energetic toddler.”

“Does he know about…” JJ gestured vaguely at Emily. “...you?” This time, Emily didn’t bother pretending innocence.

“No,” she said. “And I don’t plan on telling him. There’s no reason for me to do so. Even if our marriage is a sham, that doesn’t mean I’m going to cheat on him.” Emily had been firm in that belief since she had hatched this scheme. Hotch was a man who took fidelity seriously, and she couldn’t do that to him, especially after Haley.

JJ clasped her other hand around Emily’s and squeezed. “Don’t get hurt, okay? And if you do, tell me so I can kick his ass into next week.”

Emily grinned. The fierceness of JJ’s love reminded her of how lucky she was to have found her place at the BAU. “Just, please, keep this between us,” she entreated JJ, before walking to Hotch’s office to inform him that they had been made.

Apparently, two year olds don’t usually attend school full-time. Emily had, but Hotch’s horrified look when she told him conveyed to her that this was yet another example of Elizabeth Prentiss’s less than superb parenting. Jack went to preschool three days a week, but the rest of them he spent with either Hotch or Haley.

On Thursday, Hotch was called away to an early morning meeting. The higher-ups were making budget cuts again, and Emily knew he and Strauss would have to fight tooth and nail just to avoid losing a member of the team. Carrie had already decided that she would prefer to take the bus to school, which left just Jack and Emily. She had the day off, courtesy of Hotch, providing no urgent cases arrived. At noon, she was supposed to drive Jack to Haley’s house, but right now they were enjoying a quiet morning together.

As she finished up her paperwork, Emily kept one eye on Jack, who was playing with his extensive dinosaur collection. She sighed when she signed the last form, relieved to be done so early. There was a new sci-fi anthology that she had been meaning to read. Emily shut her eyes, intending on resting them for a brief moment before starting her book, but opened them again when she heard movement beside her. Jack had clambered up on the couch next to her and was staring at her intently.

“Read?” he asked, gesturing at a picture book on the side table. Emily picked it up.

“I don’t know if I’ll be very good at it.” She was still getting used to living with a toddler. So far, she had managed to avert any world-ending cataclysms, but being alone with Jack was an entirely different situation. This time, there was no backup.

“Read,” he insisted, so Emily did. Jack wasn’t shy about informing Emily when she did things wrong. Apparently she read too fast and she didn’t do the voices like his Mommy did. When Emily completed the first book, saying “The End” in what she hoped was an appropriately dramatic tone of voice, Jack pointed to another one. Before she knew it, it was time to take Jack to Haley’s.

She had only met Haley a few times, but Emily harbored an intense dislike for anyone who would hurt Aaron Hotchner. They may not be the best of friends, but watching Hotch’s face fall every time Haley informed him that he would arrive in DC too late to see Jack would make any sane person sympathize. This was only compounded upon actually meeting Jack; he would stay up as late as possible if it meant he could see his father.

Emily strapped Jack into his car seat, struggling briefly with the buckles. She didn’t understand how Hotch could make it look so effortless. As soon as they left the neighborhood, she began blasting Melissa Etheridge, not caring what other people could hear. Her day off, her music.

She turned the music down as they arrived in Haley’s neighborhood. The cookie-cutter houses reminded Emily of her and Hotch’s neighborhood, but this area was much more affluent. Even with a lawyer’s salary, she would bet Hotch and Haley had taken out a large loan to afford to live here.

Haley was already standing on the front porch when they arrived. Emily checked her watch: five minutes early. Good. She looked surprised to see Emily clamber out of the car, though Hotch had already cleared it with her. Emily sent a silent prayer to whatever god was listening as the straps to Jack’s car seat came undone easily. The last thing Hotch needed was to have Emily look incompetent.

Jack refused to walk the two hundred or so feet to Haley, so Emily scooped him up and headed towards the house. When she reached the porch, Emily set him down, and he toddled over to give Haley a hug. She beamed at him, and the wrath clutching Emily’s heart loosened slightly.

“Thank you,” Haley said. Emily smiled thinly at her.

“Hotch will be by to pick him up tomorrow.” Safer to stick to business. It lessened the chance Emily would say something she’d immediately regret. She waved at Jack. “Bye, kiddo. See you soon.”

“Bye, Auntie Emily!” he chirped in response. That was new. She had just been Emily so far, or ‘mily if Jack was especially sleepy. She’d have to check with Hotch that the nickname could stay, but Emily found she quite liked it.

Jack walked through the open door, and though Haley turned to watch him, she didn’t go inside. Emily loitered on the porch, sensing their conversation wasn’t finished. She was right.

“Does he make you happy?” Haley’s voice lacked malice. Emily supposed she was curious; it must have been a long time since Hotch had made Haley happy.

She considered the question. Obviously, there was a right answer, given the pretend nature of their relationship. But as Emily thought about Hotch’s kindness towards her and Carrie, the way he was willing to risk Jack, the best thing in his life, so that Emily could have a chance to care for a child the way he did, she realized it was also the true answer.

“Yes.” Haley headed inside without a response, and Emily couldn’t tell whether she was pleased or irritated. It didn’t bother her either way.

When Emily poked her head into the living room, she saw Carrie sitting calmly on the couch. It was late and she had assumed that Carrie had already gone to bed, but apparently this was not the case. When Carrie noticed her staring, she motioned Emily to sit with her. Emily settled on the ottoman facing Carrie.

“What’s up?” she asked, feeling strangely as though she were the child in this situation, as if Carrie were the one summoning her for an intervention.

“Where’s Hotch?” A neat sidestep, and one that only served to further intrigue Emily.

“Getting ready for bed, I suspect.” Although Emily’s experience living with men was somewhat limited, Hotch took more time in the bathroom than any other man she’d met, although she respected that it meant she didn’t have to see him change.

As if summoned, Hotch emerged, freshly showered and wearing pajamas. He smelled like shaving cream, Emily reflected as he sat down next to her, and something else she couldn’t place. Although she made no move to initiate contact, Emily nevertheless felt more solid with him next to her. Whatever Carrie had to say, they could deal with it, together.

“I just wanted to say thank you,” Carrie started. “For taking me in when no one else would.”

Emily reached out to clasp Carrie’s hands, squeezing them tightly, but it was Hotch who spoke, his voice clear and words familiar. “Carrie, there’s no need to thank us--”

“But you don’t need to pretend anymore.” Emily and Hotch exchanged a look, but it was not a glance between friends (or whatever they were). It was the same look they exchanged when an unsub revealed crucial information during an interrogation. What did Carrie know?

“What?” Emily had learned early how to feign innocence. It had saved her more times than she could count, from escaping the wrath of Elizabeth Prentiss to baiting a suspect to pretending to not be so fucked up when pretty girls hit on her in bars.

Carrie, however, was having none of Emily’s act. “You know what I mean. You expect me to believe that you’re married to a man who you don’t even call by his first name?”

Emily felt again like a chastened child, called out with one hand in the cookie jar. She looked to Hotch for moral support, but he looked as blindsided as she felt. When he turned to face her, she could see mounting rage in the way his body tensed, although his face remained impassive as ever. Then Emily remembered their one rule: don’t lie to Carrie.

“You got us there,” said Hotch. Emily marveled at the way he could switch from angry to personable in a moment, although the glare he first shot Emily made clear that they were going to talk later. “Was it just the names that gave us away?”

Gathering information on their tells, that was smart.

“The names were definitely a giveaway.” Carrie considered them for a moment. Mostly, though, it was the lack of touching. I can see no kissing --maybe you’re just very private people-- but you don’t even hold hands and I’ve only seen you hug once.” She gestured at them. “Even now, you’re sitting with a couple inches between you.”

Right now, Hotch would probably prefer they sat even farther away, Emily thought bitterly.

“But I’m not going to say anything, if that’s what you’re upset about.” With that level of perception and intuition, Carrie would make a grade-A profiler. Not that Emily would wish their lives on anyone.

Emily still didn’t trust herself to speak, so she simply nodded as Hotch spoke again. “Thank you for trusting us.” He checked his watch. “It’s late. Are you going to bed now?”

Callie responded affirmatively and slipped out of the room, leaving Emily and Hotch in stony silence. When Hotch spoke again, his voice contained undisguised anger. “Prentiss, what the hell was that?”

The use of her last name only stoked in her a desire to fight back. Emily might break down crying, but Prentiss wouldn’t. Prentiss wasn’t vulnerable, wouldn’t apologize.

“Don’t yell at me,” she hissed. Hotch stiffened, then softened at the look on Emily’s face.

“I’m sorry. It was out of line for me to speak like that, but what you did was also out of line. We agreed no lying to Carrie.” She couldn’t meet his gaze. Self-loathing welled inside her. How could she have ever thought she was good enough to be a parent when she couldn’t even keep a basic promise?

“Emily?” If she lifted her head there would be no denying the tears in her eyes.

“I tried to. It just… I just…” failed, she finished mentally. Couldn’t deal with the idea that what was maybe my only chance at motherhood could disappear. Although she wasn’t willing to verbalize those thoughts, she still felt she owed it to Hotch to try and explain. “I got scared. And I know you’ve heard this a lot recently, but I’m sorry.”

Hotch didn’t tell her she shouldn’t be sorry. She had messed up, and they both knew it. Now the only question was what he would do. Never trust her again, Emily supposed. Their partnership had seemed so promising, but of course she had ruined it. Outside of work, she could never do anything right.

“Next time, Emily, I just need you to tell me.” After years spent under the thumb of the Catholic Church, finding someone with a true capacity for forgiveness always surprised Emily. Hotch had surprised her again and again.

“I will, Aaron,” she said, trying out the unfamiliar name on her tongue. It still felt a little too strange, not natural enough for casual conversation, but she could work on it. “I won’t let you down.”

It was a tall order to live up to, but Emily had to try.

#criminal minds #criminal minds fanfiction #emily prentiss #aaron hotchner #queerminal minds #*mine #*fic #these are ties that bind

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violet-moth · 5 years ago

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An Angel Who Fell, But Not Quite Far Enough - Part Two

A gender-neutral, Good Omens reader-insert in which you are an angel with very bad—er, well nonexistent memory who fell, but not quite far enough...

[Beginning] [Next]

[Y/N] settled quietly into the backseat of the pristine car, their hands falling into their lap. Perhaps it wasn’t really a wise idea to accept a ride from two strangers—in fact, if they were a normal person with an average comprehension of the past, they would have flat-out refused. But [Y/N] liked to think they were a good judge of character. Even though the man with the dark aura was off-putting, he seemed to earn the bookkeep’s trust. And they had found that people with such bright auras were rather good company.

They were content to observe the rain beating harshly against the widow—that is until the car revved into motion.

[Y/N] could feel their heart rise to their throat as the car sped and weaved through traffic, their hands grasped tightly to their seat belt, too shocked to protest.

“Crowley!” The bookkeep scolded, looking back to their passenger worriedly. “You must slow down!”

The man behind the wheel, who had been grinning like a manic until now, groaned and complied. ”They got into the car with two total strangers--they know the risks they’re taking!” He argued.

With the initial shock worn away, [Y/N] found themselves surprised and slightly amused that the policemen they had passed made no effort to give chase (unbeknownst to them, the officers certainly would have, had a particular demon not placed certain ‘inconveniences’ in the way). [Y/N] found a smile rising to their lips. That was actually a rather fun—though, they supposed, if the man was allowed to continue speeding in this horrible weather, an accident would be inevitable. However, something about lack of memory tended to make them a bit reckless... “I didn’t mind,” [Y/N] voiced their thoughts, “I’m just impressed you didn’t get caught—your name is Crowley, then?”

“Anthony J. Crowley,” the demon responded, sending a small, triumphant smirk to the angel in the passenger seat.

“—I’m [Y/N].....-if we’re doing full names, [Y/N] [L/N]” They responded, sinking comfortably once more into the leather seat.

“....Hm...well, now that does sound familiar...”, the man in the passenger seat notes underneath his breath.

“You’ve probably seen it in the news a few times—I was something of a polarizing figure for a while,” they noted, used to being vaguely, but not quite recognized by the occasional person.

“Oh?” The driver, Crowley, raised a brow, curiously prodding for more information.

After a small bout of silence, it occurred to [Y/N] to offer the explanation. “I’m something of a medical mystery...-no memories and no reason why I shouldn’t have them. Had to pick a name for myself and that’s what they used in all the papers and interviews...I’m a bit relieved that’s it’s over if I’m honest.”

Though Crowley was the one to prompt the explanation, it was the other man who seemed intrigued. “Oh, yes! I do remember reading something like that...-such a terrible thing...I couldn’t imagine...”

“I don’t mind it,” they note sincerely, sending the man a small smile. “I appreciate the sympathy, but...-well, you can’t really miss what you never knew. This life is all I’ve ever known and I’m happy with what I’ve built so far.”

“...-sounds like a blessing, eh angel?” Crowley breathed on a sigh, the holy word said with a certain air of cynicism.

Aziraphale frowned, about to argue about this seeming far much more like a demon’s doing that a celestial’s before [Y/N] cut in.

“Is that your name? Angel?” They almost hope it is, having such a vast interest in Theology.

“Hm? Oh...oh goodness, no. It’s Aziraphale.” He corrected.

[Y/N] eyes widen with interest, instantly recognizing the name from their studies. They scooted forward until they were sitting on the edge of the seat, straining the seatbelt. “Really? Did you know you were named after the Angel of the Eastern gate?”

This seems to confound Aziraphale and he stutters, but Crowley comes to the rescue. “Of course he knows. It’s a running joke between us. Why do you think I call ‘em ‘Angel’?”

“Oh, that makes sense!” [Y/N] accepts this response enthusiastically, “—sorry, but I couldn’t help but wonder. My major is Theology, after all, with a concentration on angelology.”

Crowley snorts, seeming profoundly amused.

“...-what’s so funny?” [Y/N] asks, ready to defend their passion. They had to many times before, people always asking them what on Earth they intended to do with such a degree.

“...-just sounds like a made-up word”, he chuckles, seeming to find it even more funny, “angelology.” He snorts again.

“Well. I think it sounds like a perfectly noble pursuit, my dear.” Aziraphale defends, his chest puffed up proudly, almost as though he were flattered.

“...-if you don’t mind, what hours do you keep for your shop? I noticed books on prophecy and I would like to study them further, for my research.” Now comfortably acquainted with the two, [Y/N] was prepared to ask.

“Ah, well...it simply depends on...-Well, I never quite know when exactly...”

“Oh,” [Y/N] seems a bit disappointed, but not deterred, “I understand. Running a business must be difficult—I’ve never envied business majors on campus.”

“Ah—yes, well...,” Aziraphale does not share that he avoids any and all customers in his shop. He can’t have his collection dwindling as a result of good business! It had taken centuries to build it up! Still, if it was for her research...—he had never been one to impede the pursuits of a scholar. “I do believe your best bet would be visiting in the last afternoon. Weekdays, of course. If it is in the interest of your studies, I would be happy to rent any copy you’d like.” Problem solved, then. He’d simply loan them to [Y/N]; they seemed trustworthy enough.

[Y/N] beamed at this, “I’ll make sure to stop by, then.” They pause, the car approaching campus. “—Ah, I live in the larger building...just down that way,” [Y/N] points, directing Crowley to their residence hall.

“End of the line, angelologist,” Crowley still seems bemused by the word. He doesn’t bother putting the car into park, impatiently waiting for the end of this disturbance of his night-in with Aziraphale.

[Y/N] smiled, retrieving their umbrella from the floorboard. “Thank you for the lift! Perhaps I could make it up to you, sometime?” They don’t wait for an answer, exiting the vehicle, careful to open their umbrella at exactly the right time to avoid getting drenched. Perhaps it was simply the chilling storm, but they felt extremely cold upon leaving the cozy company Aziraphale’s aura held. It felt as though leaving something quite nostalgic behind: strange. They turned to wave, but before they could, the Bentley’s tires screeched into action—the motion splashing her a bit as the two sped away. [Y/N] sighed to themselves, feeling oddly lost there amid the storm. The rain pelted down in a comforting, natural rhythm upon the vinyl above them. It was a charming encounter, certainly, but one that left them puzzled

They would be sure to visit the bookshop again the next free afternoon they get.

[Next]

#good omens fanfic #good omens fanfiction #good omens imagine #good omens #aziaphale #anthony j crowley #crowley #good omens reader insert

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robert-c · 5 years ago

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The Truth About Capitalism and Free Markets

When everyone can compete in a free market, then the best products and services will prevail at the best prices for the consumer. Furthermore, the chance to invent a whole new market and to profit hugely from it spurs people to create new products and services never before thought of, enriching all of our lives. Rather than a society with hereditary classes, our free market system allows anyone with determination and hard work to achieve riches. These are the myths about Capitalism and Free Markets. And sometimes, to some extent, they are true.

However, more often they are empty promises. You see, the primary proponents of free market capitalism, the capitalists themselves, don’t really believe in it at all. They believe in monopoly. They believe that once they have dominated a marketplace, no one should be able to challenge them and their dominance. While we like to believe that the one who builds the “better mousetrap” will be the one who profits, in reality the actual inventor rarely reaps the greatest rewards. Sometimes it’s because the bigger maker of mousetraps buys them out and takes it over, or buries it altogether if it challenges too much of the supply chain they have built up. Other times it’s a matter of “slicker” negotiations and clever accounting to ensure that the other players needed in bringing a new idea to market get a disproportionate share. It would be a legal nightmare to even attempt to regulate such transactions, and that’s not the point. I bring that up just to illustrate that one of the major “selling” points for totally free markets is more myth and illusion than fact.

Another myth is that making money, being successful in business, is some sort of testament to your (take your pick): a) intelligence, b) hard work, c) being a generally superior and deserving person, or d) all of the above. Some people do become successful with a “better mousetrap”, but others because they are more ruthless, or even willing to engage in fraud. And some are just lucky, like the fellow who discovers that there is oil under his land. Others just managed to acquire a large supply of a suddenly high demand product, like hand sanitizer at the beginning of a pandemic and attempt to resell it at inflated prices. Having become rich is proof of nothing but being rich.

This attitude that anyone can become as rich as they deserve has an insidious side effect; if you are poor, you must deserve it. It is a convenient piece of rationalization for being greedy and uncharitable.

The free market myth is that the better product or service will ultimately prevail. That value (quality versus cost) will win the consumers over. Let’s take a closer look at that myth. Every shopper knows that they have different standards of quality for different products. Some of it is personal taste, some of it is how important the item is to us. Let’s say for T-shirts I’m going to wear to work in my garage I don’t care if the seams aren’t as tightly sewn, or the material is thin. Chances are they’ll be covered in stains long before the quality of the stitching gives out. On the other hand I’m very picky about the shirts I wear to work, and I want the best quality so that they will last long and look good. Such differences in individual choices should make room for a variety of goods and various values to suit individual needs and tastes. It should be easy to see that there isn’t a huge range of quality for all goods and services and that the upper end of quality doesn’t change without innovation. Now this is where the free market system is supposed to excel. However, it is easier, and often more profitable, to cut costs, than to improve quality. This is the habit of most well established businesses; it is the low cost, low risk option. Of course cost cutting often ends up affecting minimum quality and even safety issues. Ever heard a boss say something like “come on, surely a 10% cut can’t be that big a deal?” If the safety of the product isn’t obviously compromised to the point that an ordinary consumer could tell, then it would seem that some regulation is needed to prevent such behavior. And thus we have our first need to abandon the idea of a “totally” free market system.

Regulation is needed to protect the public from dangerous products and outright falsehoods in the advertising and selling of these products. As for innovation, the actual inventors are often the ones NOT motivated by money and rarely reap the rewards of their inventions. But then that is a whole other story.

The free market is supposed to mean one that isn’t subject to coercion, one that allows competition. However, in order to preserve competition some regulation is needed. So let’s assume that Bob’s Business Machines makes computer chips. Barry has an idea for a different kind of computer chip architecture. It will be faster, and hold more information than Bob’s. But of course, it is just an idea right now. Barry needs money to develop a prototype and then money for manufacturing, marketing etc. Bob, cunning businessman that he is, has significant business relationships with all of the major banks; the very ones (the only ones) who are in a position to loan Barry the kind of money he will need. Of course the banks are smart – they know that Barry’s chip (if it lives up to its potential) is a serious challenger to Bob’s. They also know that if they loan Barry any money, Bob could pull all of his business and leave the bank in terrible shape. So unless there is some regulation prohibiting acting in restraint of trade, Bob might not even have to ask the banks to refuse Barry a loan. And as simple as that laissez faire capitalism has been able to stifle competition.

Regulation is needed to keep the current rich and powerful from barring new entries into the “club”. The entire idea of innovation being encouraged by the free enterprise system is in question if there is no regulation. Can anyone honestly say that the railroads would have embraced an interstate highway system? In fact they tried to oppose it. Or the development of airlines? NO. Given their own self-interest we’d still be riding coast to coast in days long journeys in rail cars. Pure, unregulated capitalism creates markets controlled by the largest companies, who will systematically strangle any attempt at competition or innovation that might jeopardize their current stranglehold on their market. Hard core defenders of laissez faire capitalism would argue that the railroads, with their enormous profits from the 19th and early 20th centuries could have wisely invested in the airlines and therefor had a major stake in the future as well. Yes, they certainly could have, but none did. Because making and keeping money isn’t a necessarily associated with visionary intelligence. In fact, it is always easier and lower risk to stick with what you know.

And yet we’ve been propagandized for decades with the idea that deregulation is somehow good for the consumer and will lead to more choices and lower prices. How has that really worked out? Can anyone honestly say that they feel they’ve gotten a fair deal (let alone a good one) on airlines lately? Or your cable provider? Or your phone service? Does it feel like you have to be constantly changing to take advantage of the “new customer” special bundles? Of course they know that most of us have neither the time nor the energy to wade through all of the change over business until we are very fed up, which is long after the companies have recouped any discounts they gave us to switch.

Then there are businesses, which by their very nature, have a profit motive disincentive to treat their customers fairly without regulation. I referenced this somewhat in the article on health care reform. Insurance, principally health, but also any other insurance as well; auto, home, etc. All insurance offers a product (“coverage”); essentially a promise to pay for certain losses you might experience, which may be more or less difficult to precisely define. The problem is that the free market competition doesn’t exactly produce the results we might hope for. In selling apples, computer chips or mousetraps, the consuming public has a pretty good way to judge quality and therefor value as the ratio of quality to price. But the details of coverage are hard to assess, and even with comparing identical claims paid (if you could even find two exactly alike), that is only one instance of the coverage in action; maybe it’s representative, maybe not. So the consumer has limited information to rely on in picking between the companies.

Add to this that the insurance companies’ business model is to collect more premiums than they pay out in claims. Now imagine what your reaction would be to a seller of apples, computer chips or mousetraps whose business model was to charge for more items than they delivered. Clearly regulation is needed in this industry, and even more so when the coverage is broad and gray in definition, like health care. There is a definite financial incentive to look for ways to reduce claims payout and/or rate up consumers given that competition is not as clear and simple to compare.

The “champions” of free enterprise often speak of regulations as stifling innovation and adding costs to products. Certainly there are some poorly drafted regulations that should be revised. But to cast all regulation as unnecessary is more than an overstatement, it is a lie that serves only the worst actors in corporate America. Good regulation keeps the field open for new competition to arise and prevents established businesses from increasing their profits by cutting costs and/or by cutting safety to their consumers and employees.

This would be a good time to recall that virtually every regulation business’ must submit to originated because of an abuse perpetrated by businesses. Companies who didn’t tell their employees about the dangers of the chemicals they were working with, and did not provide safety gear or adequate training. Employers trying to classify employees as “contractors” so they can avoid paying for overtime, or the employer’s share of Social Security taxes. The list could fill an entire volume.

Lastly, as good as capitalism is (in its well regulated form) it is inherently a short term view of the world. From the side of the investor, capitalism looks like an efficient system for allocating financial resources. Yet the short term high return investment always seems to garner more of the resources than the long term high return, especially if that high return isn’t payable until the end of the long term. It appears (and actually may be) much more risky.

Yet all of the great advances in our economy and technology seem to be built on the bedrock of some groundbreaking infrastructure and work of large public (government) projects. The Interstate highway system, happily used by trucking companies to bring goods across country, and vacationers alike, might have been decades later in the coming (if at all) but for the persistence of the Eisenhower administration. The US space race with the Soviet Union laid the ground work for computers and private satellite companies and the boon to communication that has created. In both cases, nearly everyone knew this was the direction the future must take, but individually it represented too large an investment to make. There are many more examples, but surely it can be seen that these essential platforms need to be built for the general good. Such visionary projects typically can’t get individual funding, but with a little from all, we all can benefit much more later, and still maintain an essentially capitalist system.

“Pure” capitalism is, unfortunately, by its very nature a short term, short sighted engine, whose principal accomplishment is the maintenance of the wealth of the first group of rich and powerful people. Regulated capitalism IS the only way to have a market place where new ideas, and competitive products can be freely introduced.

Let’s stop buying the myth that “privatization” is automatically good, and government regulation automatically bad. These are more complex issues than the simplistic black and white thinking we’ve been encouraged to hold on to.

#free markets #capitalism #regulation #economy

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fxikb0ay-blog · 5 years ago

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