Tag Archives: EdVoice

Stinking Thinking Monetizes Dyslexia!

2 Jun

By Thomas Ultican 6/2/2021

This January, California Democratic State Senator Anthony Portantino introduced SB237 mandating dyslexia testing and intervention. It is similar to a spate of bills across the US requiring a privatized approach to intervening with reading difficulties. Unfortunately, contrary to their claims, these initiatives are not based on well founded research. The perpetrators base themselves on the widely disparaged “science of reading” and are part of a well financed effort taking advantage of emotionally compromised parents and students.

The bill stipulates a specific set of dyslexia testing for all students kindergarten through third grade and requires the “State Board of Education to establish an approved list of culturally, linguistically, and developmentally appropriate screening instruments” to meet the mandate. The legislation also calls on local school districts to use “structured literacy instruction.” 

When SB237 was introduced, Decoding Dyslexia CA, EdVoice and the Oakland NAACP were listed as co-sponsors. Decoding Dyslexia is one of the two international organizations promoting this type of legislation. EdVoice is a publishing organization with strong ties to the movement to privatize public education. Its 2003 founding board included Reed Hastings, Laurene Powell Jobs, Eli Broad and Don Fisher. Kareem Weaver is a leader of the Oakland NAACP literacy campaign and was a witness for the plaintiffs in the Vergara case to end teacher employment rights.

“Structured literacy” is a 2016 term pitched by the International Dyslexia Association (IDA). Fundamentally it is a method based on the work of Anna Gillingham and Samuel Orton in the 1930s. Rhode Island’s Department of Education describes it as an “explicit, systematic, diagnostic, cumulative instruction in phonological and phonemic awareness, phonics, syllable types, morphology, semantics, and syntax.” In other words, employ phonics and word decoding to remedy reading issues. IDA claims, “Popular reading approaches (eg., Guided Reading and Balanced literacy) are not effective for students with dyslexia because these approaches do not focus on decoding skills struggling readers need to succeed.”

Legislation not Supported by Research

IDA is an international organizations pushing for specific dyslexia legislation. Their remedies include utilizing private companies to solve student reading problems that public school will not or cannot. They also provide their own dyslexia teaching specialty certification. The obvious implication is that University based teachers’ education programs are incapable of addressing dyslexia.

IDA defines dyslexia,

“Dyslexia is a specific learning disability that is neurobiological in origin. It is characterized by difficulties with accurate and/or fluent word recognition and by poor spelling and decoding abilities.”

This definition is not supported by the community of education scholars. In fact, there is general agreement that there is no satisfactory definition for dyslexia nor is there a known way to screen for it.

A critical analysis of dyslexia legislation by a team of researcher from Ball State University and the University of Texas noted,

“After a multitude of studies across more than a century, researchers have failed to consistently identify characteristics or patterns that distinguish dyslexia from other decoding challenges. Many researchers and educators argue the construct is too vague and contradictory to be useful for educators.”

They continue, “There are no universally employed measures or procedures for identifying dyslexia.”

A paper by Peter Johnston and Donna Scanlon from The University at Albany asserts,

“The bottom line is that there are many definitions of, and theories about, dyslexia and simply no agreed-upon definition that allows schools, clinicians, researchers, or anyone else, to decide who is dyslexic in any valid or reliable way.

“From an instructional standpoint, there is no practical distinction between those classified as dyslexic and others at the low end of the normal distribution of word reading ability in the early elementary grades.”

Not only are there a plethora of scholarly studies that make the same points about the definition for dyslexia, there also are an equal number of research papers that thoroughly discredit the idea that “structured literacy” is a proven success.

In 2017 Rachael E. Gabriel of the University of Connecticut published “Converting to Privatization: A Discourse Analysis of Dyslexia Policy Narratives.” Her paper analyses how the agenda for privatizing dyslexia intervention is sold to legislators and school boards. She also shares results of studies on the “structured literacy” approach. Gabriel cites the US Department of Education’s What Works Clearinghouse reading research stating “structured literacy” is not supported by evidence.

Money is Driving this New Education Privatization Effort

Senate bill 237 was just moved out of committee to the Assembly. In the 2020 general election, an analysis of major donor California state spending revealed over $14 million dollars spent by a neoliberal cabal of billionaires and the political action committees they fund. Of that spending $1.5 million went to California state legislators. The table above shows the money that went to legislative members who are either on the Assembly and Senate education committees or are listed as co-sponsors for the dyslexia legislation.

Handing off teacher certifications to private organizations and using private companies to screen students is a huge mistake. Legislators should resist the temptation to micromanage public education. The best approach is to trust education professionals and university based scholars more than private actors with an agenda.

The Boston Consulting Group makes the fantastic assertion that, “Investing in early  screening  and  teacher  training  would  provide  an astonishing 800% to 2000% return.” A policy brief from the Institute of Child Success indicates that special education pay for success has great return on investment potential.

Clearly the sharks are circling. Parents, legislators and schools need to be on high alert. Well funded organizations want our public school resources. For them, dyslexia is just another potential profit center.

Review and Preview Thurmond v Tuck

1 Dec

This year’s biggest election win in California was for the down-ballot office, Superintendent of Public Instruction (SPI). Tony Thurmond defeated Marshall Tuck in a proxy battle between billionaires supporting public school privatization and teachers’ unions fighting for democratically run neighborhood schools. More than $61,000,000 was spent on the SPI office doubling the previous $30,000,000 spending record set in 2014 when Tuck lost to Tom Torlakson.

Director of research at California Target Book, Rob Pyers, reported this year’s total election spending in California realized a new level. Target Book publisher Darry Sragow commented, “If blowing through the billion-dollar campaign spending ceiling in California doesn’t give pause to everyone in politics, I don’t know what will.”

Of the eight state-wide constitutional offices on the ballot, the governor’s race topped spending at $108,221,028 and the SPI race came in second totaling $61,170,451. Spending in the governor’s race was also heavily impacted by billionaires supporting the charter school industry. California has an open primary in which the top two vote getters reach the general election ballot regardless of party. Before June’s voting, billionaires lavished Anthony Villaraigosa’s campaign unprecedented independent expenditure money trying to get him to the November ballot.

Billionaires for Villaraigosa

Spending By Eight Billionaires for Villaraigosa over Newsom in 2018 Primary Election

When Villaraigosa lost badly in the June 6 primary, many of the same billionaires listed above turned their full attention toward electing Marshall Tuck SPI.

Following a brief career in investment banking, Tuck took a job at the politically connected Green Dot charter schools. Steve Barr a former chair of the Democratic Party who had served on national campaigns for Bill Clinton, Gary Hart and Michael Dukakis founded Green Dot charter schools in 1999. He hired Truck in 2002 to be Chief Operating Officer (COO) and eventually promoted him to President and COO.

When Los Angeles Mayor Anthony Villaraigosa was rebuffed in his efforts to take control of Los Angeles Unified School District, he convinced a few donors to underwrite the takeover of ten schools in areas which had suffered years of poor standardized testing results. They created a non-profit called Partnership for LA. Villaraigosa tapped Marshall Tuck to lead the Partnership.

Tuck was extremely unpopular at the Partnership. The Sacramento Bee reported, “Teachers passed a vote of no confidence at nine of the schools at the end of the first year, leading to independent mediation.”

During this education reform era in which connections are more important than skill, experience and training, Tuck remained in good standing with the Destroy Public Education (DPE) financiers. Subsequent to loosing the formerly most expensive SPI race in California’s history; Tuck’s benefactors took care of him. Despite no training as an educator, he was given a job as Educator-in-Residence at the New Teacher Center. Bill Gates provides much of the centers funding including grants totaling $26,305,252 since 2009.

Reviewing the Campaign Contributions

Direct contributions to a candidate are no longer of primary importance. The money given to “independent expenditure” committees has no contribution limits. Legally, these committees are supposed to be separate from the candidate and are not to coordinate with the candidate’s campaign; however, the committees are often doing the bidding of the same people who created the candidate.

In Tuck versus Thurmond, the direct giving only accounted for 12% of total money spent. Although the direct money spent was comparatively small, it was revealing. In this race the contribution limit was $7,300 and it could be given twice (once for the primary and once for the general). Tuck received 377 maximum contributions for a total of $2,748,500. Thurmond received 170 maximum contributions for a total of $1,234,854.

The race is generally viewed as a battle between billionaires and teachers unions, but that obscures some realities. Tuck’s maximum contributions came from 259 sources of which 257 were individuals. Thurmond’s Maximum contributions came from 129 sources of which 16 were individuals. Tuck received max contributions from 76 non-employed people, 65 financial industry employees, 39 corporate executives and 29 billionaires. Thurmond received a maximum contribution from one billionaire, Tom Steyer and two corporate executives, Stewart Resnick and Linda Ray Resnick, who also were maximum contributors for Tuck.

The groups who gave maximum contributions to Thurmond were almost all organized by labor unions. Surprisingly, much of the money came from voluntary contributions and not union dues. For example, the California State Retirees PAC, made a maximum contribution to Thurmond. The largest amount contributed to the PAC by the 1404 contributors was $15.50. Another example is The California Federation of Teachers COPE which made two max donation to Thurmond. The money came from 1326 member organizations like the San Jose Federation of Teacher Local 957 whose members made voluntary contributions totaling to $73,391.

It was the PACs who drove the election financially.

Independent Expenditures Map

Independent Expenditure Example Map of EdVoice for the Kids PAC

The LittleSis map above shows eight billionaires contributing $9,769,200 to EdVoice for the Kids PAC. Plus four of them send $2,664,600 to Charter Public Schools PAC sponsored by the California Charter Schools Association. That PAC contributes another $2,900,000 to the Ed Voice PAC. EdVoice then sends $17,953,882 to Students, Parents and Teachers Supporting Marshall Tuck which spends $22,013,408 on things like TV ads, radio spots and mailers.

The spending by the three PACs and the billionaires were verified using records provided by the Cal-access data base for major donors. The total of independent expenditures for Tuck is a conservative estimate based on multiple news reports. The independent expenditures on behalf of Tuck were more than the record setting $30,000,000 total for this contest in 2014.

Students, Parents and Teachers Supporting Marshal Tuck was a project of EdVoice. No students, teachers or parents are listed among the contributors to this PAC unless George Hume, Chairman of Basic American or investor Michael Stoppelman have children. This PAC name looked and sounded good when providing a deceptive and legally required source for political advertisements.

The opening page of EdVoice’s internet site says, “EdVoice is a nonprofit organization advocating for policies to increase measurable student achievement for all students in California and eliminate inequality of educational opportunity in public schools.” In other words, they promote using testing to label public schools failures and promote Betsy DeVos’s school choice ideology.

Bill Lucia, a connected Republican operative, is President and COO of Ed Voice. His Ed Voice biography states, “Prior to joining EdVoice, Lucia served as Senior Vice President for Advocacy and Policy, leading the advocacy and legal defense team at the California Charter Schools Association(CCSA). Before joining CCSA, Lucia worked as Senior Assessment Policy Liaison for Educational Testing Service, and prior to that, spent five years in Washington D.C. working as a senior official in the U.S. Department of Education and in the U.S. Senate.”

EdVoice is not a big money organization. In 2016, its total income was $400,136. However at least two billionaires associated with privatizing public education are board members, Eli Broad and Carrie Walton Penner. Susan Bloomfield is also on the board.

The Campaign

In March 2017, Marshall Tuck announced his candidacy for SPI. In April, Tony Thurmond announced. By the end of 2017, four candidates had joined the race with the addition of Lily Ploski and Steven Ireland.

Marshall Tuck had name recognition and solid campaign funding. By August 2017, Thurmond announced $1,000,000 in campaign contributions and early endorsements from Senator Kamala D. Harris, SPI Tom Torlakson, the California Federation of Teachers, and the State Building and Construction Trades Council of California. From that point on, the race was mainly between Tuck and Thurmond but Ploski’s and Ireland’s entry made it difficult for either Tuck or Thurmond to win 50% of the votes during the primary which would have ended the race.

When the year began, many supporters of public education were concerned because the candidate apposing Marshall Tuck was a one-term Assemblyman from Richmond, California with no name recognition. Not only that, he was a black man vulnerable to the race card. Then the Judases at the Association of California School Administrators endorsed Marshall Tuck for SPI.

That might have been the point at which Thurmond demonstrated he was a special guy. On the weekend of January 20th he spoke at the CTA delegates meeting. He already had their endorsement since October, but in this speech the delegates met a charismatic candidate who brought them to their feet cheering. He declared “no privatization of public schools in California. Not in this state. Not on my watch.”

At the California Democratic Party convention in February, the delegates overwhelmingly endorsed Thurmond over Tuck. Much of the sentiment at that San Diego convention was that Tuck was not a real Democrat. He was seen as being awash in Republican money while espousing their policies.

When Tuck tried to speak to the convention delegates, he was booed off the stage. Amusingly, Lee Ohanian of the Hoover Institute at Stanford University wrote an article titled “David Versus Goliath: A School Reformer Takes on the Democratic Party and Unions.” Amazingly in this article Tuck is David and Thurmond is Goliath. Ohanian wrote,

“A few months ago Marshall Tuck, a Democratic candidate who is running for the state office of California Superintendent of School (sic) Instruction, went to the California Democratic Party Convention to speak to his party about how to create better K–12 education in California. He went to the podium, but didn’t get a word out. Well, he may have said “I,” but that would have been about it. He was shouted down with a chorus of boos that drowned out his voice. The boos continued until his allotted time expired. No state Democratic party (sic) official quieted the crowd. The message was clear: this particular Democratic candidate, who wishes to change the status quo, is not welcome in his party. And you thought that the Democratic party embraced diversity?”

And you thought Stanford University was a credible research institution?

Thurmond turned out to be a consistent and gifted politician who won support at almost all debates, editorial interviews and campaign events.

A San Diego Union editorial read, “In his interview with us, Assemblyman Tony Thurmond, D-Richmond, who finished second to Tuck in the June primary, seemed just as affable but not nearly as ambitious as Tuck.” In case that was too subtle; Tony is a black man.

On November 6, Thurmond became the first African American elected to statewide office in four decades.

The Preview is Looking Good

Calmatters interviewed Thurmond during the campaign.

‘“We talked to voters across the state and told them what this election means for each of us: it means giving every kid the opportunity to succeed in the 21st century, not just the ones that show the most potential,’ Thurmond said.

‘“It means funding our public schools at the level they deserve, not pouring money into our jails in prisons. It means providing mental health treatment for kids, not arming them with guns.”’

Calmatters also stated,

“Thurmond had said he favored a ‘pause’ on the growth of charters in California while the state examines the long-term impact they’ve had so far on its public education system. The assemblyman also said he supported more charter-school oversight and sympathized with school districts that had taken financial hits after losing students to charter schools.”

Politico reported on Thurmond’s first public statements since Tuck conceded.

“He called for a temporary ban on any new K-12 charter schools in the state, addressing reporters at the Sacramento union hall of the State Building & Construction Trades Council of California. He said the state has reached a ‘tipping point’ with too many charters that have financially harmed public school districts, POLITICO’s Angela Hart reports.”

‘“I believe that we shouldn’t open new schools without providing the resources for those schools,’ said Thurmond, a Democratic assemblyman. ‘It is time to have perhaps a pause on the opening of new schools until we get clear about how we will fund any new schools.”’

“While charter school advocates believe their programs can force positive changes in traditional campuses, Thurmond took issue with the notion of ‘competition,’ which he framed in a negative light.”

‘“The truth of the matter is you cannot open new schools — charter or otherwise — and serve all the students in this state,” he said. “So if the model is built on saying let’s have competition in education, then you’re certainly leaving certain students to suffer and to not have the resources they need.”’

Privatizing California’s Public Schools

19 Jun

By Thomas Ultican 6/19/2016

The California Charter Schools Association (CCSA) and the Republican machine destroying public education in California or at least trying to privatize it; are promoting their jaded cause.

Three key players in the assault on California’s public schools are Walmart heiress, Carrie Walton Penner, Netflix CEO, Reed Hastings and nativist republican politician, Steve Poizner. In 2001, they started EdVoice a lobbying organization that claims California schools are broken and must be reformed. In 2003 Poizner founded the CCSA. Walton Penner and Hastings remain as board members of both EdVoice and CCSA.

About These Key Players

In a 2008 Sacramento Bee Article announcing Poizner’s run for governor, it said, “Poizner, 51, sold a high-tech business in 2000 for $1 billion and has spent more than $24 million of his own money to launch his political career. A socially moderate, pro-choice Republican, Poizner has gone to great lengths to woo the conservative base of the Republican Party, touting himself as a fiscal conservative.” In 2001, Poizner took a senior fellows position in the Bush white house. He was elected California’s insurance commissioner serving from 2007 to 2011.

Reed Hastings is famous for being the founding CEO of Netflix. Joanne Jacobs wrote a puff piece about Hastings for EducationNext, a conservative pro-school-privatization  publication. She opened the article:

 “Netflix CEO Reed Hastings has given millions of dollars to start charter schools. He’s put millions more into developing education software to personalize learning. But he doesn’t just give money. He makes things change. And he is not a fan of school boards.

 “The high-tech billionaire—he hit the “b” this year, according to Forbes—led and financed a 1998 campaign that forced the California legislature to liberalize its restrictive charter law. He served on the California Board of Education for four years. Hastings provided start-up funding for the Aspire Public Schools charter network and helped start and fund EdVoice, a lobbying group, and the NewSchools Venture Fund, which supports education entrepreneurs.”

 Many super-wealthy education reformers are not fans of democracy. There is a natural and dark human tendency to desire control over others. With their massive wealth, billionaire’s are capable of subverting democracy and enforcing their frequently uninformed opinions.

For decades, John Walton and the Walton Family Foundation promoted vouchers as the ideal fix for what Walton saw as needing fixed. In a Washington Post article Jeff Bryant wrote:

 “Fully inculcated with Friedman’s philosophies, and motivated by the myth of school failure spread by the Reagan administration, the Waltons were ready for their education revolution to begin.

 “John Walton launched the foundation’s battle for school choice by throwing both money and influence into a succession of voucher referendums throughout the 1990s and beyond — only to see the cause defeated at the ballot box time after time, as numerous studies have chronicled. The public, it would seem, was nowhere near as keen on the idea of vouchers as the Waltons and their ilk.”

 After a series of defeats, the foundation transitioned the privatization agenda to advancing charter schools. Bryant continued:

 “According to a pro-union website, another member of the Walton family, Carrie Walton Penner, sits on the board of the foundation connected to the prominent KIPP charter school chain—on which the Walton Family Foundation has lavished many millions in donations—and is also a member of the California Charter Schools Association. Carrie’s husband, Greg Penner, is a director of the Charter Growth Fund, a ‘non-profit venture capital fund’ investing in charter schools. And Annie Walton Proietti, the daughter of Sam Walton’s youngest son Jim, works for a KIPP school in Denver.”

 Carrie Walton Penner serves on the boards of several organizations, including the KIPP Foundation, the Charter School Growth Fund, the California Charter Schools Association, EdVoice, Innovate Public Schools and the Stanford University Graduate School of Education.

Reed Hastings is on the board of the California Charter Schools Association; the KIPP Foundation; DreamBox Learning, an education technology company; and the Pahara Institute, which provides fellowships to education leaders. On the business side, he served on Microsoft’s board until 2012 and is now on Facebook’s board.

This is a tight knit group of wealthy elites flexing their financial power to control education policy which means privatizing public schools.

The Hired Guns

Jeb Wallace is the CEO of CCSA. He is unusual in the pro-privatize set in that he did work in an elementary school in Los Angeles. He helped create a school within the school that led to a charter conversion. Wallace left LA to join Allen Bersin in San Diego to supervise charter schools in the San Diego Unified School District.

Bersin is cited by the Democrats for Education Reform as “a hero of education reform.” The citation says, “Appointed in 1998 as Superintendent of Public Education of the San Diego Unified School District, Bersin led the eighth largest urban school district in the country. In 2005, Governor Schwarzenegger appointed him as California’s Education Secretary. Bersin is a lawyer with no training in education. In her book, The Death and Life of the Great American School System, Diane Ravitch called Bersin’s tenure in San Diego a test run for corporate style education reform.

Wallace went from San Diego Unified to be COO of High Tech High, the new startup charter school sponsored by the Jacobs family, founders and major stock holders of Qualcomm Inc. The Bill and Melinda Gates Foundation provided a $9.4 million startup grant and has contributed another almost $4 million in support funding since 2000.

In 2009, Wallace moved on to be President and CEO of CCSA. The Association form 990 covering tax year 2013 listed his remuneration as $336,000.

Bill Lucia, who is the CEO of EdVoice, was a senior official at the Department of Education in the George W. Bush administration. Lucia has served as Executive Director of the State Board of Education and in a number of key staff positions within the California State Legislature, including Chief Consultant of the Assembly Education Committee, senior staff on the Budget and Appropriations Committees, and Chief of Staff and education consultant to the Chairman of the Senate Republican Caucus.

Lucia has worked in various senior education policy roles, including as COO and Director of Policy at EdVoice from March 2008 through March 2010. Prior to joining EdVoice, Lucia served as Senior Vice President for Advocacy and Policy, leading the advocacy and legal defense team at the California Charter Schools Association(CCSA). Before joining CCSA, Lucia worked as Senior Assessment Policy Liaison for Educational Testing Service.

The most recent EdVoice form 990 lists compensation to Lucia as more the $250,000.

Compassionate Love for Children Motivates the CCSA Board

This calls to mind the observation Ciedie Aech made in her wonderful book Why Is You Always Got To Be Trippin’:

 “So. When big money gets thrown around under the socially responsible guise of helping less powerful and politically disenfranchised citizens – benevolently offering that helpful leg up, so to speak; well, it’s a funny but historical trend that quite often this particular kind of money? Somehow, sort of, gets redirected.”

 Diane Tavenner the CCSA board Chairman is the Founder and CEO of Summit Public Schools, a non-profit charter management organization focused on Silicon Valley. Her reported charter school earnings for 2013 – $192,000.

Ana Ponce the CCSA board Secretary is Chief Executive Officer of Camino Nuevo Charter Academy (CNCA). CNCA is a neighborhood network of 5 elementary and secondary schools serving over 2000 students within the greater MacArthur Park neighborhood near Downtown Los Angeles. Her reported charter school earnings for 2013 – $205,000.

Christopher Nelson the CCSA Treasure is the Managing Director of the Doris & Donald Fisher Fund (Gap Inc. profits used to privatize public schools). His reported foundation earnings for 2013 – $475,000.

Cameron Curry a CCSA board member is the founder of the Classical Academy schools in north San Diego County. His organization has five sites serving 3,000 students. His reported charter school earnings for 2013 – $223,000.

Margaret Fortune a CCSA board member is the President and CEO of Fortune School of Education. There are five Fortune Schools in San Bernardino and Sacramento serving 1250 students. Her reported charter school earnings for 2013 – $226,000.

Gregory McGinity a CCSA board member is the Executive Director of Policy for The Broad Foundation. His reported foundation earnings for 2013 – $303,000.

The 2014 form 990 report to the IRS reveals that 12 employees of CCSA were paid more than $150,000 each in 2013.

Swaying Elections

 In the lead up to the San Diego County school board election on California’s June 7 primary ballot, the Voice of San Diego reported, “Partly to ensure charter schools get a fair review when they petition to open a school, CCSA is backing four challengers in the election: Powell, Jerry Rindone, Paulette Donnellon and former state Sen. Mark Wyland.” There are similar reports from around California of big money political activity supporting candidates thought to be more charter school friendly.

In 2013, the CCSA reported taking in $22,000,000. The Association declares itself to be a 501(c)(3) non-profit, which means CCSA must adhere to the associated regulations.

One of the regulations prohibits 501(c)(3)’s from engaging in electoral politics. IRS code states:

 “Under the Internal Revenue Code, all section 501(c)(3) organizations are absolutely prohibited from directly or indirectly participating in, or intervening in, any political campaign on behalf of (or in opposition to) any candidate for elective public office. Contributions to political campaign funds or public statements of position (verbal or written) made on behalf of the organization in favor of or in opposition to any candidate for public office clearly violate the prohibition against political campaign activity.  Violating this prohibition may result in denial or revocation of tax-exempt status and the imposition of certain excise taxes.” (emphasis added)

 It is hard to see how a fair reading of this code makes it possible for organizations like CCSA not to lose their 501(c)(3) status. Why are people like Carrie Walton Penner, Reed Hastings and Jeb Wallace allowed to flout this law with impunity?

When researching for this report, I noticed that the California Foundation which has over $3 billion in assets and donates to charter schools shares the same address as the CCSA. (Correction; they only share the same zip code.)

I also noticed that many of the key people involved in privatizing California’s public schools were significantly involved in California and national republican party politics. Having groups like the Democrats for Education Reform and the Obama administration joining these Republicans in the effort to privatize public schools is difficult to comprehend.

Public schools are important to both American democracy and a vibrant just culture. They are worth fighting to save from arrogance, ignorance and greed.