Suppose that every day, ten men go out for beer and the bill for all ten comes to $100.

If they paid their bill the way we pay our taxes, it would go some thing like this:The first four men (the poorest) would pay nothing.The fifth would pay $1.The sixth would pay $3.The seventh would pay $7.The eighth would pay $12.The ninth would pay $18.The tenth man (the richest) would pay $59.

The ten men drank in the bar every day and seemed quite happy with the arrangement, until one day, the owner threw them a curve. 'Since you are all such good customers, he said, 'I'm going to reduce the cost of your daily beer by $20. Drinks for the ten now cost just $80.

The group still wanted to pay their bill the way we pay our taxes so the first four men were unaffected. They would still drink for free. But what about the other six men - the paying customers? How could they divide the $20 windfall so that everyone would get his 'fair share?'

They realized that $20 divided by six is $3.33. But, if they subtracted that from every body's share, then the fifth man and the sixth man would each end up being paid to drink his beer.So, the bar owner suggested that it would be fair to reduce each man's bill by roughly the same amount, and he proceeded to work out the amounts each should pay.And so:

The fifth man, like the first four, now paid nothing (100% savings).
The sixth now paid $2 instead of $3 (33%savings).
The seventh now paid $5 instead of $7 (28%savings).
The eighth now paid $9 instead of $12 (25% savings).
The ninth now paid $14 instead of $18 (22% savings).
The tenth now paid $49 instead of $59 (16% savings).

Each of the six was better off than before And the first four continued to drink for free. But, once outside the restaurant, the men began to compare their savings.'I only got a dollar out of the $20', declared the sixth man. He pointed to the tenth man, 'but he got $10!''Yeah, that's right', exclaimed the fifth man. 'I only saved a dollar,too. It's unfair that he gotten times more than I!''That's true!!' shouted the seventh man. 'Why should he get $10 back when I got only two? The wealthy get all the breaks!''Wait a minute,' yelled the first four men in unison. 'We didn't get anything at all.The system exploits the poor!'

The nine men surrounded the tenth and beat him up.The next night the tenth man didn't show up for drinks, so the nine sat down and had beers without him. But when it came time to pay the bill,they discovered something important.

They didn't have enough money between all of them for even half of the bill!And that, boys and girls , journalists and college professors, is how our tax system works. The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up anymore.

In fact, they might start drinking overseas where the atmosphere is somewhat friendlier.David R. Kamerschen, Ph.D.Professor of Economics, University of Georgia. For those who understand, no explanation is needed.For those who do not understand, no explanation is possible.

Our Mediterranean Cruise - Day 7 - PALERMO (SICILY)

Today we slept in until about 8:30 am, had breakfast in the Windjammer Cafe and headed out to explore Palermo, Sicily. We docked right at the pier and could walk off with shops and street vendors everywhere. This is the perfect atmosphere to negotiate for the best price. Zena is becoming quite good at this and even has perfected the art of "The Walk Away". We feel we have gotten some good deal thru this final technique. John even thinks we should employ one more technique after that by then saying, "No, now we offer 4 (one less than 5) for the bracelet!"

We have not gotten run over or hit by scooters or cars (yet) today. It is always a possibility yet as we are still many blocks from the ship. It has almost become a game to try to cross the road unscathed. Kind of like that Frogger game ;-)

Also, we have not been or seen anyone get pickpocketed yet, although we feel we were a definite target this morning as Zena noticed one guy following close by us, alone and turned the corner when we did. We ducked in to a coffee shop and enjoyed an espress and cappuccino for only 2.30 EURO and noticed him still hanging around outside. He was indeed stalking us. After a bit, he came in to the coffee shop. We decided to duck out and dash around a corner to loose our tail. It worked! To our good fortune it brought it right into a beautiful little shopping piazza. Ahhh, a chance to spend some more EUROs!

We strolled along for a little longer and came upon this internet cafe and decided to provide our update. More later, please check back.

Our Mediterranean Cruise - Day 6 - NAPLES

Today, we slept in until 7 or 8 am. Had a casual breakfast and wrote postcard to family. We brought them to the pursers desk to be mailed today.

We got off the ship and walked around Naples for a little while before our afternoon tour to Herculaneum.

Herculaneum ... the city buried by mud from Mount Vesuvius in 79AD at the same time as Pompeii got buried by ash. This was a little different, though, the people became decomposed and nothing was left but the bones. In Pompeii, the remains were hollowed out and filled with plaster showing their positions as they were when they suddenly died. About 300 bodies were found down by where the sea was when they were trying to escape the mud spewing thru the air and flowing down the mountain. What we saw was considered to be only one fifth of what the city size actually was. Around the excavation there is apartment buildings and other dwellings where people live now and refuse to move. The government is having a hard time acquiring this land to continue excavating the village. This was quite and exhausting tour as we climbed up and down on pebbly streets in and out ducking here and there thru passageways as we explored the dwellings made of stone and plaster.

Of course, the tour stopped along the way at a Cameo factory where we could see them being carved from shells by an old man as he artistically created cameo figures in the shells. Then, there was the shop to buy cameos.

Today is also our 15th Anniversary and we are going to bed at 9 pm!

Gotta run ... we will update when we get another chance...probably at the airport though, as the ships internet service is slower than 300 baud dial up! Ugh! Or, slower than molasses...

Stay tuned... tomorrow we will be in Sicily. Maybe we will even see some mafio as they are still quite active there.