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      "body": "<html>\n<p>&nbsp;<strong>The lack of effective risk sharing mechanisms among the member states of the Euro has imposed high costs on some member states, like Spain, and has deepened the crisis according to the most pessimistic views.</strong>&nbsp;</p>\n<p>Two options to solve the lack of effective risk sharing mechanisms have been suggested: a basic common European scheme and a reinsurance fund. &nbsp;</p>\n<p>The first one, a <strong>common European scheme</strong>, tries to gather national schemes and make an inter-national European scheme for a specific period. It requires non-permanent transfers for cross country risk-sharing and issuing debt if it´s necessary for the stabilization. But two problems arise: firstly, countries schemes should converge and not all of them may be able to change their national systems. Secondly, this kind of insurance is efficient in the short-term unemployment (cyclical) but once the specific period of European insurance ends, unemployment will remain an issue for each country. This European common scheme can be financed by a share of employers' and employees' contributions to their social security. All simulations suggest that a European scheme would absorb less than 1% of countries’ GDP.&nbsp;</p>\n<p>The second one, a <strong>reinsurance fund</strong>, consists on making a reinsurance among countries that would be employed, fundamentally, in periods of crisis. This option is more respectful with national systems, so no changes are required, and it seems easier to be applied. Here, the problem has to do with efficiency; we don´t know where to fix the trigger to act and if we don´t act in the right moment, we can become inefficient.\n\nhttps://cdn.steemitimages.com/DQmY57ULoJnhzhKvqR2qnFQRu7pW8FKBqFgdwy2kpknBx1X/image.png\n\n<p>But, what if I had to give my point of view? Well, I would definitely discard both options.&nbsp;</p>\n<p>As I commented before, the common European Scheme proposed doesn´t solve the long-run unemployment, so it doesn´t look like the best solution. I should also mention the problem of changing all national insurance systems; it would require a considerable harmonization of the regulations of the labor markets and the welfare systems of the Eurozone Member States, what seems to be very unlikely. In addition, a full fiscal union could lead countries to large transfers, which could be very risky for the common economy. And last but not least, the risk of the Moral Hazard (in economics, Moral Hazard occurs when someone increases their exposure to risk when insured). Governments of recipient countries could choose not to take unpopular measures like cuts in education services or pension reforms, if it knows that this will be compensated by increased financial support from the federation.&nbsp;</p>\n<p>Let´s think about a car insurance. We know that after an accident, the insurance premium raises, and this makes that the insurance company recovers the money corresponding to the losses of the accident along time. Something similar could be applied in our wide unemployment system.&nbsp;</p>\n<p>For example, let´s say that a small percentage of our GDP goes to some funds (it´s difficult to estimate a concrete %, so I assume that it´ll be less than 1% of countries’ GDP): a half to a national fund and a half to a common European fund. We´ll use our national fund to solve “light” problems and the European one when it becomes strictly necessary, and here is where the idea of the introduction of a trigger returns. In our case, the indicator chosen for the trigger is the unemployment rate (I don’t have the knowledge to know where to set the trigger: 15%? 20%?) Those countries hit by a big economic crisis and an increasing unemployment rate (car accident), will rise the quantity contributed to the common European fund and once the crisis ends and the country starts to work on its own again, quantities destined to national and common European funds will progressively get back to the initial 50-50. &nbsp;</p>\n<p>In conclusion, this system could be a good option not only because of its low cost but also for its stabilizing power without the necessity of the convergence of the labour markets of the Member States. &nbsp;&nbsp;</p>\n</html>",
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      "body": "<html>\n<p><strong>&nbsp;</strong><em><strong>\"Football without fans is like dancing without music\"</strong></em><strong> said Eduardo Galeano.</strong></p>\n<p>&nbsp;You heard it well, football is gone. In fact, some people say that football died in 1994 when a multinational like Nike, until that moment an exclusive basketball brand, began producing commercials starring by Ronaldo or Cantona. Maybe the Marseillais wanted to tell us something else when, in the instant before putting on the collar of his shirt, he said: \"au revoir\". And this is the worst part, that it is not a sudden death but a disease that has long been propagated thanks to the passivity of the bulk of the fans. Welcome to \"modern football\" or \"football-business\". &nbsp;<br>\n</p> ![](https://cdn.steemitimages.com/DQmbEtKLYLhWLee3771ZJBfPuJmA1K7K4RsLgXjYEHjY2mT/image.png)\n<p>Before going on, I need to say that I am an Atletico Madrid fan since I can remember. Radical. One of those that sing, vibrate, jump, feel, travel, scream, cry, sing again, suffer, encourage, and so on. For me that's football and that's how I would like everyone to understand it. In fact, I would like to tell those who only like to see twenty-two players kicking a ball in the football pitch that they have probably chosen the wrong sport.&nbsp;</p>\n<p><br>\n I´ve been fortunate to have lived in London for a period of time. Thanks to it, I could see for myself that not all hope is lost. The average English is full of passion when the time to support his team comes and combative, when necessary, against the impertinences of some presidents of Premier League or Championship teams. In addition, the English Football Federation (FA) remains unmoved by the temptations of a global football that has forgotten the priorities of the local fans in favor of a few elites from countries without football tradition whether they are Yankee, Arab or Chinese. &nbsp;<br>\n&nbsp;</p>\n<p>On the other hand, in Spain, those fans who declare ourselves against the new football model imposed are labeled as criminals. Here, we have long taken that drinking beer is forbidden inside a stadium, that tourists are the ones that occupy the seats instead of local fans, that the fight against predatory pricing is lost and, in general, football. Personally, I am lucky that my team has one of the best animation groups on the European scene, the Frente Atlético. However, in the majority of cases, most people have to settle for melancholy memories of the good old times.&nbsp;</p>\n<p><br>\nNot long ago, I had an argument with a friend about all this. He told me that I didn´t like football and that clinging to a team in such a radical way was stupid. I did not deny it. If I liked football, I would probably prefer to watch the World Cup final instead of Atlético de Madrid - Albacete. What we feel for our team is just a feeling; and like all feelings, it is irrational. Maybe the stupid is the one that asks for a rational explanation to something irrational.&nbsp;</p>\n<p><br>\nFootball will die when they end up with us, the last romantics. &nbsp;</p>\n</html>",
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      "body": "<html>\n<p><strong>&nbsp;</strong><em><strong>“Jugar sin hinchada es como bailar sin música” </strong></em><strong>postuló Eduardo Galeano.&nbsp;</strong></p>\n<p><br></p>\n<p>Oyeron bien, se nos va el fútbol. De hecho, hay quien afirma que el fútbol murió en 1994 cuando una multinacional como Nike, hasta ese momento marca exclusiva de baloncesto, empezó a producir anuncios protagonizados por Ronaldo o Cantona. A lo mejor, el marsellés nos quería decir algo más cuando, en el instante previo a colocarse el cuello de la camiseta, afirmaba: “<em>au revoir”</em>. Y esto es lo triste, que no se trata de una muerte súbita sino de una enfermedad que lleva mucho tiempo propagándose ante la pasividad del grueso de los aficionados. Bienvenidos al “fútbol moderno” o, para que nos entendamos, al “fútbol negocio”. ![](https://cdn.steemitimages.com/DQmbEtKLYLhWLee3771ZJBfPuJmA1K7K4RsLgXjYEHjY2mT/image.png) Antes de seguir, he decir que soy aficionado del Atlético de Madrid desde que tengo uso de razón. Muy aficionado. Radical. De los que canta, vibra, salta, siente, viaja, grita, llora, vuelve a cantar, sufre, anima, y así. Para mí eso es el fútbol y así es como me gustaría que todo el mundo lo entendiera. De hecho, a aquellos a los que lo único que les gusta es ver a veintidós jugadores pateando un balón en el rectángulo de juego, les diría que seguramente se hayan equivocado de deporte. He tenido la suerte de haber vivido en Londres una temporada y gracias a eso, he podido comprobar que la esperanza no está del todo perdida. El aficionado inglés medio se muestra lleno de pasión a la hora de apoyar a su equipo y combativo, cuando toca, ante las impertinencias de algunos presidentes de conjuntos ingleses. Además, la Federación inglesa de fútbol (<em>The Football Association</em> ) intenta mantenerse impasible ante las tentaciones de un fútbol global que hace tiempo dejó atrás las prioridades de los aficionados locales en favor unas pocas élites cuyos países carecen de cultura futbolística, ya sean yanquis, chinos o árabes. Por otra parte, en España, aquellos aficionados que nos declaramos contrarios al nuevo modelo de fútbol impuesto, somos tachados de delincuentes. Aquí hace mucho tiempo que renunciamos a beber cerveza dentro de un estadio, a que sean aficionados locales los que ocupen los asientos y no turistas, a luchar por precios dignos para la mayoría de los aficionados y, en general, al fútbol. Personalmente, tengo la suerte de que mi equipo cuenta con uno de los mejores grupos de animación del panorama europeo, el Frente Atlético, que me permite seguir disfrutando del fútbol de grada que tanto me gusta. Sin embargo, en la mayor parte de España, la mayoría de aficionados tiene que conformarse con el recuerdo melancólico de tiempos pasados. No hace mucho, discutía con un amigo sobre todo esto. Él me decía que realmente no me gustaba el fútbol y que aferrarse a un equipo de una forma tan radical era una estupidez. No se lo negué. Si me gustara el fútbol, seguramente preferiría ver la final de un Mundial en vez de un Atlético de Madrid – Albacete. Al fin y al cabo, lo que sentimos por nuestro equipo no deja de ser un sentimiento; y como todo sentimiento, es irracional. Quizá el único que diga estupideces sea aquel que pide una explicación racional ante algo irracional. El fútbol morirá cuando acaben con nosotros, los últimos románticos.</p>\n</html>",
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