Frost-Free Morning

Frost is free. It comes with no conditions, no fees. Kind of like toasters and certificates of deposit, we as consumers don't have any choice. Actually, with toasters and certificates of deposit, we have a choice -- take it or leave it. With frost, all we can do is take it (or leave it by remaining inside, I suppose).

"I think you're stretching this from nothing," says Virginia.

No, I think I need to tell you where I'm coming from, though. As some of you know, I've been reading a lot of articles about the Dodd-Frank Act (a/k/a financial reform or the banking bill), payday lending, and other sources of loans for folks who don't have accounts with banks (i.e., "poor" folks). Many of the authors talk about "free checking," except they don't seem to know that "free checking" has a specific meaning in the banking industry. If an account requires a minimum balance or imposes a per transaction fee, it isn't "free checking." The Truth in Savings Act and Federal Regulation DD make that very clear. The authors' misuse of the term "free checking" doesn't much matter, except it points out to those in the know that they aren't in the know.

"You're definitely stretching this from nothing," says Virginia.

All right. I give. Here's what I really had in mind for this posting, another garden tour.

Chinese Cabbage

Rouge D'Hiver Lettuce (I think)

Butterhead Lettuce

Beets

Doyle's Thornless Blackberry

Carrots

Parsnips

Rosemary

Frost has got to be among the best things that are free.