Some fifty years later, it is well settled that the distribution of investment returns is not normal (in a Gaussian sense).

FORBES: Wise Up: 'Normal' Market Behavior Is Not Normal But Crazy Is

It's well settled that the government doesn't have to provide "actual" (that is, in-person) notice to property owners in tax foreclosures, but it does have to provide notice "reasonably calculated" to let them know about the foreclosure.

FORBES: Magazine Article