Tootfinder

But the debt industry itself hasn't gotten any more efficient: "the cost of moving a dollar from a saver to a borrower was about two cents in 1910; a hundred years later, it was the same." ... "This puzzle resolves itself once we recognize that the vast majority of financial innovation is geared towards figuring out how to siphon off resources through fees, insider information and lobbying."

The last few Christmases, I've idly daydreamed about setting up a siphon to make it easier to water the tree. This year I finally did it, and I love it.
I have a small bucket tucked under a branch between the tree and the wall with a flexible piece of clear tubing running into the tree stand. Now instead of awkwardly laying down and filling the stand, I can just pour water into the bucket, up to the fill line I drew with a sharpie.