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Africa, parasites, intelligence
document TEXT-001-HOUSE_OVERSIGHT_025143.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

 Africa, parasites, intelligence To understand intelligence in the tropics, e.g. among dark-skinned Africans, you need to understand the importance of parasites—both as an environmental factor that exerts a negative effect on mental development and a positive effect on selecti...

While we consider demographics as an important long-term
document IMAGES-001-HOUSE_OVERSIGHT_012082.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…1% 0% 1% 2% 3% 4% 5% 6% While we consider demographics as an important long-term factor for investing (as discussed in the Third Quarter 2015 issue of Global Foresight: Investing for the Ages), in the short run, it is eclipsed by economic cycles and political changes. For instan...

Claudio Irigoyen Mai Doan
document IMAGES-003-HOUSE_OVERSIGHT_014766.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… commodity exposure we like baskets of EUR, CAD, COP and CLP, AUD to fund RUB and PEN trades respectively. Carry is in the eye of the beholder To focus on identifying best carry trades in the current environment of rising US interest rates sounds counterintuitive at least. It i...

First Bancorp Puerto Rico (FBP)
document IMAGES-002-HOUSE_OVERSIGHT_014382.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…n framework (P/TBV, P/E, DCF) to arrive at our $6.50 price objective. We assign a 1.0x multiple to our 2Q17E TBV, below the 1.6X for peers, due to the overhang of PR fiscal issues that may reduce TBV. Our revised implied 2Q17E TBV of 1.0x is consistent with a 5% ROE. We assign a...

the Tagammu, as well as by a large collection of NGOs and other
document IMAGES-010-HOUSE_OVERSIGHT_030277.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

10 the Tagammu, as well as by a large collection of NGOs and other representatives of civil society. To some extent, these general orientations shaped the stances, whether for or against, in the referendum on the constitutional amendments, which drew the first clear lines in th...

George Dyson is a historian of science and technology and the author of Baidarka: the
document IMAGES-004-HOUSE_OVERSIGHT_016840.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

THE THIRD LAW George Dyson George Dyson is a historian of science and technology and the author of Baidarka: the Kayak, Darwin Among the Machines, Project Orion, and Turing’s Cathedral. The history of computing can be divided into an Old Testament and a New Testament: before an...

BREAKING DOWN DEMOCRACY: Goals, Strategies, and Methods of Modern Authoritarians
document IMAGES-005-HOUSE_OVERSIGHT_019240.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

BREAKING DOWN DEMOCRACY: Goals, Strategies, and Methods of Modern Authoritarians common ideologies, whether faith in Marxist revolution or ultraconservative, anticommunist reaction. As the 20th century drew to a close, the weaknesses of both communist systems and traditional di...

Seth Lloyd is a theoretical physicist at MIT, Nam P. Suh Professor in the Department of
document IMAGES-003-HOUSE_OVERSIGHT_016238.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

WRONG, BUT MORE RELEVANT THAN EVER Seth Lloyd Seth Lloyd is a theoretical physicist at MIT, Nam P. Suh Professor in the Department of Mechanical Engineering, and an external professor at the Santa Fe Institute. The Human Use of Human Beings, Norbert Wiener’s 1950 popularization...

202 11 Stages of Cognitive Development
document IMAGES-002-HOUSE_OVERSIGHT_013118.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

202 11 Stages of Cognitive Development A problem commonly used to illustrate the difference between the Piagetan concrete opera- tional and formal stages is that of figuring out the rules for making pendulums swing quickly versus slowly [P58]. If you ask a child in the formal st...

Seth Lloyd is a theoretical physicist at MIT, Nam P. Suh Professor in the Department of
document IMAGES-004-HOUSE_OVERSIGHT_016821.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

WRONG, BUT MORE RELEVANT THAN EVER Seth Lloyd Seth Lloyd is a theoretical physicist at MIT, Nam P. Suh Professor in the Department of Mechanical Engineering, and an external professor at the Santa Fe Institute. The Human Use of Human Beings, Norbert Wiener’s 1950 popularization...

Translated by Donna Lee Hicks
document TEXT-001-HOUSE_OVERSIGHT_025094.txt Nov 8, 2015 House Oversight Committee — Epstein Estate Records (Nov 2025)

…Internacional para la Libertad ("International Foundation for Freedom") New York, 8 November 2015 On August 14th, 2015, the United States flag was raised in Havana, formally reestablishing diplomatic Relations between the United States and Cuba, which had been interrupted since J...

Steven Pinker, a Johnstone Family Professor in the Department of Psychology at
document IMAGES-003-HOUSE_OVERSIGHT_016297.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

TECH PROPHECY AND THE UNDERAPPRECIATED CAUSAL POWER OF IDEAS Steven Pinker Steven Pinker, a Johnstone Family Professor in the Department of Psychology at Harvard University, is an experimental psychologist who conducts research in visual cognition, psycholinguistics, and social...

certain factors beyond the control of the portfolio company and the General Partner. The
document IMAGES-007-HOUSE_OVERSIGHT_024073.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

certain factors beyond the control of the portfolio company and the General Partner. The economic environment for all companies, and in particular for healthcare technology and start- up companies, may remain challenging. Business risks may be more significant in portfolio compan...