The Opt-Out Approach

Smart idea about how to fix the mortgage industry in the Times today.

Had a wonderful holiday with family and friends. My favorite moment was being on the 1 train with Kate a few days before Christmas when a guy with an acoustic guitar got on and started singing the John Lennon song So This Is Christmas. He ended by singing “War is over/If you want it/War is over now.” The whole car was transfixed. Something deeply, deeply moving about it, and it’s lingered with me all week.

Chris Hayes is the host of All In with Chris Hayes on MSNBC.

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