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Although some profess that this cliche is now merely a cynical expression of good things happening in terrible circumstances, I only hear it uttered by angry and fatigued commuters dying for a powerful man to set their travel schedule right.

No one can deny that Benito Mussolini was a fascist, a Nazi ally, and a proponent of censorship and propaganda. But, apparently, all that was a small price to pay for the 8:32 out of Venice always running on time! Somehow, there was a direct correlation between torturing political opponents and getting someone else off to work on schedule.

So why limit this cliche to just Mussolini when clearly fascism is the key to this success? Just look how reliably those trains carted Jews off to Auschwitz! And I'm sure if Cambodia had anything resembling a railroad system, Pol Pot's mass murder would have assured prompt delivery of countless corpses to mass graves.iphone 6 replacement screen Well, it should be noted that the first thing wrong with this cliche is it's complete bullshit. Mussolini was better at propaganda than train propulsion. And should that be so hard to believe? I mean, when you're hanging out, stalled on the tracks do you really think the problem is that we have a political system based in representative government, featuring checks and balances? Look, I hate being trapped on a train with no air conditioning as much as my fellow commuters, but rarely am I struck by the wish, "please, Lord. Just get this train running and come November, I'll be sure to renounce my right to vote!"

Ignore that thing that disproves my theory; It only proves my theory!

Most of the entries on this list are here because they actually represent an idea or conviction that I find offensive, but this one is just stupid. The exception that proves the rule is an Alice in Wonderlandian leap in twisted logic, claiming that something that breaks a pattern merely reveals the existence of a pattern. Let's say I have some marbles arranged in what seems to be a pattern. Red, Black, Blue. Red, Black, Blue. Red, Black, GREEN. Some might say, "Well, I see a pattern establishing a rule: 'a blue marble will always follow red and black marbles. Oh, and that green one? Well, it's the exception that proves the rule." Thank you, Professor, but actually, it's the first six marbles that exhibit a pattern   not the green one. The green one is at best an aberration to be disregarded and, at worst, proof that there is no pattern. Meaning your rule is, um, what's the word? Wrong.

I have no proof, but this expression seems like it was written by some insufferable blowhard who's terrible in bed: "All the women who have sex with me experience multiple orgasms.iphone 6 replacement screen Oh you didn't? You must be the exception that proves the rule." " I never experience erectile dysfunction. Oh, my penis is presently retracted like a scared turtle in midwinter? Must be the exception that proves the rule." "No, I never need to imagine a young Alec Baldwin in Hunt for Red October to achieve orgasm when I'm with a lady. Oh, I screamed out 'sink me with your torpedo, Jack Ryan,' during my climax? Hmm. Must be the exception that proves the rule."

(Editor's note: despite the historical meaning of this phrase, this column is addressing the foolishness of how this expression has come to be used.)TL;DRWhat It's Supposed To Mean

I didn't read this because it's too long.

I could have written about any number of internet cliche. "Fail," for example. It's overused and usually bandied about by idiots. But the thing is, some things actually do fail in their execution. There are situations where the term is appropriate, even if pathetically conveyed. Not true for TL;DR. TL;DR is never right. Yes, some things are too long, but in order to figure that out, there's something you have to do first: read it. Only then can you say whether the presentation lasted longer than the idea. Too long; wish I didn't read (or "TL;WIDR") would make sense, but that's about it.

But what irks me most about TL;DR is that people who use it have no shame. No one is perfect. We all have failings, but we're supposed to be ashamed of them. We're supposed to keep our sins and shortfalls in a dark place we hope no one ever finds. "Fuck that," says the Internet. "I'm functionally retarded, and I don't care who knows it! Words? Gay. Who reads words? Sounds pretty lame." So go ahead; keep using "TL;DR." Just know that it is not an abbreviation for "too long; didn't read," but, instead, "hi, I am a miserable cretin of the Internet that must be spoon fed pictures and factoids or I will piss myself." You might be the type of person who disagrees that that's what it means, but trust me, it's what everyone who's smarter than you is thinking.http://www.iphonereplacementscreen.top

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The bank admitted it certified that thousands of faulty home mortgage loans were eligible for Federal Housing Administration insurance. Attorney Preet Bharara said in a statement. Wells Fargo, one of the biggest mortgage lenders in the world, has been held responsible for years of reckless underwriting. of these loans were made to families who didn really qualify for them and later lost their homes.

A federal judge approved the settlement Friday, and the Department of Justice claimed a major victory.

In a statement, Wells Fargo said the settlement resolves claims going back as far as 15 years and lets the bank the legal process behind us.iphone 5 refurbished case was one of many investigations that the federal government launched against big banks after the subprime mortgage crisis.

Financial giants have settled the cases one by one. In January, Goldman Sachs agreed to pay $5.1 billion for shady deals that fueled the crisis. Last year, Morgan Stanley settled for $2.6 billion. In 2013, JPMorgan Chase settled for $13 billion.

As in other bank settlements, no criminal charges have been brought against any bankers themselves.

Wells Fargo executive Kurt Lofrano admitted to hiding bad loans, but he not personally liable for any damages and faces no criminal charges.

To keep participating in the FHA loan program, Wells Fargo had to tell the federal government that its loans were reliable enough to qualify for FHA insurance.iphone 5 refurbished As vice president of credit risk and quality assurance at Wells Fargo, it was Lofrano job to notify the government.

But he hid the truth, according to court papers.

As part of this settlement, Lofrano admitted that he oversaw the team of bankers who spotted bad loans but didn report most of them.

Wells Fargo acknowledged that between 2005 and 2010, it only reported 300 problematic loans to the Department of Housing and Urban Development. Meanwhile, internally it had spotted 2,900 loans with problems.

When those loans defaulted, the federal government paid the insurance claims not Wells Fargo.

Calls to Lofrano home in Minnesota were not answered.

According to HUD Secretary Julin Castro, this $1.2 billion settlement is the most money ever recovered by taxpayers for shady loan violations in the history of FHA program.

this monetary figure can never truly make up for the countless families that lost homes as a result of poor lending practices, Castro said in a statement.