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Shermer and Henderson discuss: hindsight bias • genes, environment, luck, contingency • foster care • incarceration rates • marriage, divorce, childhood outcomes • poverty, welfare programs, and social safety nets • the young male syndrome • alcohol, drugs, depression • luxury beliefs of educated elites • wealthy but unstable homes vs. low-income but stable homes • inequality • Henderon’s experience in the military, at Yale and Cambridge • the Warrior-Scholar Project.