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Toni Morrison, whose “Beloved” changed me when I first read it as a teen, showed me how a novel can be ghost story, reckoning, testimony and lullaby all at once.

“Some feel it reopens wounds without adding new understanding, while others see it as an essential reckoning.”

By his reckoning, suicide and marriage rates will rise.

But if his criticism derails the current efforts to pass the bill in Congress, he could speed up that day of financial reckoning.

“This is part of a reckoning that is long overdue,” Viola said.