TIME society

Settlers of Brooklyn Is a Game About the Hipster Millennials You Love to Hate

Most of the jokes are about kale

The Brooklyn edition of the hit board game Settlers of Catan is out — at least according to a new parody by Above Average, the comedy channel on YouTube launched by Broadway Video, which was founded by Saturday Night Live producer Lorne Michaels.

According to the clip, the mission of this “game of settlement and exploration” is to create a “fully gentrified colony,” for “in the early 2000s, the land of Brook-lan was virtually uninhabited by young adults with wealthy parents.” Kale is the subject of most of the jokes, and Lena Dunham is crowned the winner.

While the fake game is about Brooklyn, the jokes could pretty much apply to any city.



TIME Business

The New Recipe for Women Entrepreneurs to Find Success

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One initiative in New York City is boosting female entrepreneurship

Alicia Glen, New York’s Deputy Mayor for Economic Development, may have found the city’s special sauce: women entrepreneurs. In unveiling Women Entrepreneurs NYC (WE NYC), a new initiative to increase the number of female entrepreneurs from underserved communities, Glen invoked the case of a would-be mole seller in the Bronx: a woman who has mastered, but not yet marketed, her grandmother’s recipe. “We’re going to teach you how to take that amazing mole recipe and get it into the stream of commerce,” Glen explained. Working with Citi, Goldman Sachs, and microlender Grameen America, WE NYC is precisely the kind of public-private partnership that, done right, has the potential to improve the incomes and lives of low-income women, children and families, create jobs, and drive more broad-based economic growth across the city.

The entrepreneur holds a special place in the American psyche. This is true not only of the nation’s iconic entrepreneurs – Ben Franklin, Andrew Carnegie, Steve Jobs, Bill Gates – but of the millions of unheralded small business owners whose personal livelihoods, and the vibrancy of their communities, depend on the viability of their enterprises. Research now affirms just how important entrepreneurs are to broader employment: in the last 30 years, start-ups and young companies have been the primary engines of net new job creation in the United States.

When it comes to women and entrepreneurship, the story is both worse – and more promising. The gender gap in entrepreneurship is a real and global phenomenon. In the U.S., where women comprise more than half of the educated population, women-owned businesses account for only 16 percent of the nation’s employer firms (at high growth firms, it is only 10 percent). New York’s data bears this out as well. The State of Women Entrepreneurs in NYC, the preliminary findings of New York City’s Department of Small Business Services (SBS), released in coordination with the WE NYC launch last week, showed that although there has been a steady increase in women-owned businesses in New York – where women entrepreneur businesses represent 32 percent of all registered companies – a significant “economic impact” gap remains: men still own 1.5 times as many businesses as women, employ 3.5 times more people per business, and generate 4.5 times more sales per business.

New York City is not the first to highlight these discrepancies. Much attention has been paid of late to the gender gap in STEM and STEM entrepreneurship at the engineer and employee, board and venture capital level, in Silicon Valley and in the corporate world beyond. These distortions – and their economic and financial costs – have spurred a new kind of investment thesis, one centered on unlocking the value of “gender capitalism” in a number of ways: investing in companies that provide critical goods and services to women or in those that are women owned, led, governed or promote workplace equity more broadly. Increasingly, and in response to (often women led) investor demand for social “impact,” large financial institutions are creating products and vehicles that employ the “gender lens:” U.S. Trust offers clients a Women and Girls Equality (WGES) investment approach (which in 2013 outperformed its S&P 1500 benchmark); Morgan Stanley’s Parity Portfolio screens for companies with three or more women on the board; Barclays Women in Leadership Total Return Index and exchange-traded notes (WIL) includes companies with a female CEO or women comprising at least 25 percent of directors. Sallie Krawcheck, one of the most successful women on Wall Street and former Bank of America executive, recently launched the Pax Ellevate Global Women’s Index Fund (PXWEX), which invests in companies that advance women in a number of ways. Last week, Pax Ellevate encouraged the companies in its fund to sign on to the Women’s Empowerment Principles, a joint initiative of the United Nations Global Company and UN Women (the Principles includes guidelines for ways companies can empower women in the work place, marketplace, and community).

WE NYC harnesses this gender lens, but shifts focus from board room to barrio. The logic is similar – investing in women makes good economic sense – but the program is concerned with the poor in New York City, where nearly 25 percent of all women and girls are economically vulnerable, and where 40 percent of the households headed by a single mother (raising more than one million children) live in poverty.

The blueprint comes less from portfolio theory than it does from places like Bangladesh, where microfinance proved that small loans and supports to women to start and run businesses could be a pathway to income stability and long-term economic security. Such is the hope of WE NYC and why Grameen America, started by Nobel Prize winner Muhammad Yunus to bring the microfinance to the U.S., is a founding partner.

This kind of collaboration will be critical to WE NYC’s success. In creating the program, the SBS interviewed women entrepreneurs across the city to better understand the obstacles they faced in setting up and expanding their business. The response: access to capital, business education and support systems, gender discrimination, and the challenges of “going it alone.” Accordingly, WE NYC will focus on these fundamentals. With the help of Citi, SBS will target women for existing entrepreneurship programs. Grameen America will provide free business building services to their community of 27,000 women borrowers, most from the city’s low-income communities. SBS will also work closely with Goldman Sachs 10,000 Small Businesses, a program once run by the Deputy Mayor Glen, which too provides entrepreneurs with technical assistance and access to capital. SBS will also continue to draw on existing partners like Brooklyn based Etsy, the online marketplace for handmade and artisanal goods that has participated in “microbusiness” workforce development programs. Etsy, which in 2014 facilitated nearly $2 billion in sales from microentrepreneurs across the globe and has recently filed for IPO, transcends the gender gap: 88% of its sellers are women.

WE NYC aims to serve 5,000 women entrepreneurs over three years. Partnerships are critical not just for the resources to make this possible. They remind all of us about the shared responsibility – and rewards – of broad-based prosperity. Or what Sally Krawcheck calls “the big idea 2015: inclusive capitalism = a more prosperous capitalism.

Georgia Levenson Keohane is a Senior Fellow at New America and Director of the Program on Profits and Purpose. This piece was originally published in New America’s digital magazine, The Weekly Wonk. Sign up to get it delivered to your inbox each Thursday here, and follow @New America on Twitter.

TIME Ideas hosts the world's leading voices, providing commentary and expertise on the most compelling events in news, society, and culture. We welcome outside contributions. To submit a piece, email ideas@time.com.

TIME Money

Our March Madness Office Pools Should All Be Legal

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Zocalo Public Square is a not-for-profit Ideas Exchange that blends live events and humanities journalism.

The U.S. government doesn’t see it that way, but everyone could benefit from the $9 million Americans wager on college hoops

Roughly 40 million Americans are expected to fill out a total of 70 million brackets and bet $9 billion on March Madness this month, according to data from the American Gaming Association.

And all of them will be criminals in violation of up to three federal laws.

The most commonly violated law will be the Professional and Amateur Sports Protection Act (PASPA), which passed through Congress in 1992 at the behest of the four major pro sports leagues (NBA, MLB, NFL, and NHL) and the NCAA. It effectively prohibits sports gambling outside of the four states that had previously allowed it.

Yet it should surprise no one to hear that betting on the Super Bowl or March Madness doesn’t take place only in Nevada (the only state where it’s legal to make a bet on a single game), and that Federal agents don’t bother to descend on your workplace to arrest everyone who entered the office pool.

Gambling—largely legal and heavily regulated throughout Europe—has swept American sports culture. Lines and spreads are impossible to miss in media coverage. The most popular sportswriter in America, Bill Simmons, hosts a weekly NFL gambling podcast where he discusses the bets he’d “place if gambling were legal” (wink, wink). Sports betting is no longer some underground habit. It’s mainstream.

Gallup polls say 17 percent of Americans have wagered on sports in the last 12 months. In 2010, the FBI spent taxpayer resources to arrest 10,000 of those gambling Americans. Instead of spending some rounding up a few of us gamblers, imagine how much money Washington could collect for more worthwhile pursuits –like healthcare and education, and even gambling addiction treatments – if it legalized and taxed our sports betting.

Let’s be clear: the debate over gambling legalization is not a debate over whether or not to allow gambling. That’s already happening, whether you like it or not. It’s estimated that the amount of money wagered illegally on this year’s Super Bowl was 38 times greater than the amount wagered legally in Vegas casinos.

With the explosion in fantasy sports—many of which are played for money—over the last decade, more and more Americans are coming face to face with the folly of gambling “prohibition.” Even a strong supporter of the initial PASPA bill, Arizona senator John McCain, is now calling on Congress to rethink the law.

The discussion has become so animated that NBA commissioner Adam Silver penned a November New York Times op-ed arguing for a Congressional framework for states to legalize and regulate gambling, taking the activity take illegal gambling “out of the underground and into the sunlight.” Silver doubled down on these words in a February ESPN The Magazine story, calling himself not necessarily a gambling advocate but merely a “realist.”

Anti-gambling proponents will argue that legalized gambling will lead to more match-fixing and point-shaving – akin to what happened with the University of San Diego basketball team during the 2009-10 season. This could not be further from the truth.

Toreros guard Brandon Johnson was able to go undetected taking money under the table from bettors to deliberately not cover point spreads for so long specifically because gambling activity in California is kept in the dark. Had such odd fluctuations in San Diego lines been in the view of the public and regulatory officials, the shaving would have been nipped in the bud much sooner. In fact, there’s a good chance the greater risk of detection would have prevented any game manipulation attempts in the first place.

And in the pro ranks, athletes making millions simply aren’t going to risk their already lucrative careers for a tiny cut in match-fixing bribes. In any case, the general principle applies that it is easier to police and regulate activity happening in the open than what takes place in the shadows.

Some anti-gambling proponents are also concerned about the potential for increases in problem gambling. Given the extremely easy access to sports books and bookies, not to mention office pools and fantasy leagues, most experts are unconvinced legalization would actually increase gambling much, if at all. If you have a problem gambling, you’re already susceptible.

If anything, legalized gambling would remove many of the stigmas that prevent problem gamblers from speaking out about their issues and getting them the help they need sooner. Also, legal sports books do not allow wagers on credit, which can lead to dangerous situations in which bettors become heavily indebted to bookies.

Making bets on the Super Bowl or March Madness is a form of entertainment that is far more social and interesting than buying a state-sanctioned lottery ticket. Millions of Americans engage in this entertainment without harming anyone, including themselves. And as a society, haven’t we reached a consensus that we don’t ban things because a few of us will become addicted to them? Or would you also embrace prohibition for fast food, Netflix, and Candy Crush too?

Gambling is here to stay, and it is deeply rooted in our sports fan culture. Acknowledging this reality once and for all would be a smart bet.

Jim Pagels is a regular contributor to Forbes whose work has appeared in Reason, FiveThirtyEight, ESPN, and The Atlantic. He wrote this for Zocalo Public Square.

Read next: The Staggering Numbers—and Dollars—Behind March Madness

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TIME society

I Eat Garbage to Save Money and Help Reduce Food Waste

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xoJane.com is where women go to be their unabashed selves, and where their unabashed selves are applauded

America throws away up to 40% of its food supply—I’m doing my part by diverting trash to my table


There are few things in the world that I love as much as good bread. Toasted and spread with golden butter and sweet raspberry jam, sliced and piled high with tangy tomatoes, savory cheese, and crunchy pickles, it’s pretty much the perfect food.

Good bread is, however, expensive. The kind of artisanal bread I favor, made lovingly by hand and devoid of the myriad dough conditioners and preservatives found in most commercial loaves, is considered unsellable after a single day on the shelf.

I first became aware of the staggering amount of bread that ends its life in a dumpster from a college roommate. He drove a delivery route for a local bakery, getting up at 3 a.m. to load a van full of freshly baked bread and deliver it to various grocery stores around town.

Sometimes I rode along, braving the obscenely early wake-up just to spend time in his presence (I was hopelessly in love with him, despite his proclivity for wearing a blanket in lieu of pants).

At each store, he would exchange fresh bread for day-old, filling several black garbage bags in the course of a single shift. As a result, our household of broke college kids always had plenty of delicious bread to eat.

Despite our best efforts, though, there was simply too much for us: lots of it ended up in a dumpster anyway. Seven years later, the same dumpster continues to yield its starchy fruit: I am never without good bread.

Although bread is one of the easiest, most reliable items for which to dumpster dive — it’s thrown away all the time, it’s dry, non-perishable, and relatively non-pathogenic — I also scavenge produce, chocolate, and flowers from the garbage.

Sometimes it can be pretty icky; various slimes attend the decay of vegetables and fruit, and dumpsters are occasionally coated in unidentifiable goo. But for every mold-dappled orange and liquefying cucumber, I’ve encountered pristine clusters of grapes, whole heads of cabbage, onions and potatoes and bunches of celery discarded for minor cosmetic imperfections.

According to the Natural Resources Defense Council, $165 billion worth of food is thrown away every year in the United States, representing a staggering 40% percent of food produced. At the same time, an estimated 1 in 9 people worldwide lack steady access to food — including about 14% of Americans. These numbers are absolutely mind-blowing, but they’re just the tip of the iceberg: This Washington Post article presents a good summary of the chilling statistics.

Although I’m not by any means rich (after earning an expensive college degree, I am, like many of my generation, right back to where I started: in the service industry), I’m not so poor than I can’t afford decent food. Eating well is a top priority for me; I forgo cable TV, a nice laptop, professional haircuts, and many other luxuries in favor of organic milk, pastured eggs, and organic produce.

But, still, eating well is not cheap. I couldn’t afford as much of the fancy bread and chocolate I love so much if I bought it at the store; dumpster diving lets me enjoy high-quality food while diverting a tiny bit of our nation’s insane food waste to my table.

But, you might protest, (as have many of my more squeamish friends), you’re eating out of the garbage. Gross! It’s true. Dumpsters are not particularly sanitary places. Although many bakery dumpsters, for instance, are just used for bread, and thus aren’t likely to contain contaminants like raw meat or chemicals, others can get pretty shady.

That’s why I usually stick to fruits with thick skins — oranges, melons, mangoes — or vegetables that I plan to cook, and wash everything thoroughly before I prepare it. Grocery stores without trash compactors (they’re pretty rare these days) can be a great source of packaged food that’s just a day or past the expiration date.

Besides the “ick” factor, dumpster diving does take a lot more work than simply going to the store and laying your money down. But, for me, the cost-savings, combined with the satisfaction that comes from playing a small part in reducing food waste, is totally worth it.

Emily A. Klein wrote this article for xoJane.

TIME Ideas hosts the world's leading voices, providing commentary and expertise on the most compelling events in news, society, and culture. We welcome outside contributions. To submit a piece, email ideas@time.com.

TIME society

I Don’t Feel Guilty for Not Tipping My Waitstaff

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xoJane.com is where women go to be their unabashed selves, and where their unabashed selves are applauded

Tipping should be a reward, not a right


Recently, an old “high school friend” turned “Facebook-friend-I-forgot-I-had” posted a photo of a receipt, and it popped up in my newsfeed. This receipt wasn’t hers — it was for an unknown diner at a restaurant-that-shall-remain-nameless where Facebook friend works. She captioned this photo: “Not even a 10% tip?! #cheated.”

I spent the next couple of hours feeling irrationally irritated after I saw that photo, but not at the customer who failed to give what this waitress felt she deserved in a tip. I was annoyed at her for feeling entitled to complain about it.

The art of tipping is, for most people, really freaking annoying. How much is too much? How much is too little? Is this the only reason I had to learn how to calculate percentages in 5th grade? Am I really supposed to tip this floral delivery guy when I didn’t even know he was coming to deliver me flowers that I didn’t even buy? Also, I don’t carry cash anymore, so, crap.

And I could write a whole separate article on “Automatic Tips.” There is no such thing as an “automatic” tip. If it’s “automatically” included, it is “automatically” just part of the regular price. The very definition of tipping suggests it should be extra. It’s a reward, not a right.

But the bread and butter of my tip annoyance is the mandatory tip of your server in a restaurant. Why do I owe someone extra money just for doing their job? I work retail, and get paid crap for it. I’m expected to be courteous and helpful and provide “excellent customer service” with absolutely no possibility of a tip or commission. Why should it be any different for someone working in a restaurant? The way I see it, the restaurant is paying the employee, not me.

Disclaimer time: I live and eat 98+% of my meals in Washington State, one of 7 states that doesn’t have a different minimum wage for tipped and non-tipped employees. The waiter or waitress in whatever restaurant I am in makes at least minimum wage which, coincidentally, is what I make in my retail job. And sooner or later, that minimum wage is going to jump to a staggering $15/hour. But we are still expected to tip people on top of that wage, just as we would in states where waitstaff are making less than $3 per hour. That doesn’t make any sense to me at all.

Let it be known, I personally do not believe that a tipped minimum wage should be allowed. That just lets the employer off easy while asking the customer to pick up the slack on what should be an employer’s expense. It isn’t fair to the worker or the customer, and I would advocate for the tipped minimum wage to be abolished.

I do not want anybody living in poverty, but I don’t think that the wage of someone should depend on the whim of a customer, either. Servers and bartenders deserve a solid minimum wage just like the rest of us.

And yet, we live in a society that customarily mandates tips, and businesses go out of their way to make customers feel uncomfortable if they don’t tip. From tip jars that practically smack you in the face when you’re ordering a coffee to the new tablet payment trend that “suggests” you add a $1-2 tip to your transaction, even if you all bought was a $2.50 cup of tea, you sometimes have to go out of your way NOT to tip.

Never mind that these “opportunities” to tip often come before you have received much service at all. The quality of service isn’t even what matters anymore — it’s just expected.

Thanks to Instagram and Twitter, we now live in an era of “tip shaming.” I’ve seen pictures of receipts that shame celebrities or other wealthy people for not providing some grotesque tip. As though Mark Zuckerberg is obliged to tip you more than I am even if we receive the same service: the amount of a tip doesn’t depend on the percent of our income. We don’t owe you anything but decency, respect, and the listed prices we’ve agreed to pay.

Food is a good like any other. I don’t ask customers to throw in 10% for buying clothes from me, and I resent the implication that a food service worker is working harder than I am, and therefore deserves a tip. The truth is that tips are an outdated tradition doing absolutely nothing to improve the livelihoods of people in the food-service industry.

For all these reasons and more, I’ve finally gotten over the guilt that goes with not tipping. I don’t eat out often- maybe three times a month, including ice cream and coffee runs — but when I do, I rarely tip. The last time I tipped my waiter it was because he offered me a free refill on my cocktail when I clumsily spilled it on the table, adding to the mess he already had to clean up. And yes, I felt he deserved it. But the person scooping my ice cream cone? Mixing my hot chocolate? Or the person delivering my steaming bowl of pho?

No, to me, the 60 seconds you spent serving me doesn’t merit an extra dollar. I simply don’t believe in it. And I’m not apologizing for it.

Editorial note: The original image has been removed from this post.

Sarah Bartlett wrote this article for xoJane.

Read next: The Insulting Names That Businesses Call You Behind Your Back

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TIME society

Man Who Was Mistakenly Invited to Bachelor Party Definitely Going Anyway

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He raised money on crowd-funding websites and is going

A Seattle man who was accidentally copied on an email chain about a Philadelphia bachelor party is going anyway.

Joey DiJulio of Seattle got the first email from these people he didn’t know on Feb. 11. After a few weeks of messages about Jeff Minetti’s bachelor party in Philadelphia at the end of the month, he replied, explaining that they mixed him up with someone else. That started a whole new email chain, with Minetti’s friends saying he should totally come anyway, and the groom confirming, adding that DiJulio should come to the wedding, too.

According to Q13 FOX’s play-by-play of this saga, DiJulio set up a GoFundMe page “Random Bachelor Party” earlier this week to raise $1276 to fund the trip and surpassed the goal within 24 hours. Now he is raising money to go toward the couple’s honeymoon.

This comment on DiJulio’s crowd-funding site seems to sum up the overwhelming turnout for this unusual cause: “Strangers really are just friends we haven’t met yet.”

Read next: This 104-Year-Old Woman Says Dr Pepper Is What’s Keeping Her Alive

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TIME society

This 104-Year-Old Woman Says Dr Pepper Is What’s Keeping Her Alive

Cans of Dr Pepper sit on a pantry shelf in New York, Tuesday
Stephen Hilger—Bloomberg / Getty Images

Did Dr Pepper pay her to say this?

The world’s oldest people have all kinds of advice for living longer. Their secrets range from staying away from men and believing in the Lord to smoking cigars and eating a ton of pork.

But for Elizabeth Sullivan, a Texas woman who just turned 104, the secret to longevity is Dr Pepper. She’s been drinking three cans a day for about 40 years, she told Forth Worth’s CBS affiliate.

“Every doctor that sees me says they’ll kill you, but they die and I don’t,” she says. “So there must be a mistake somewhere.”

For her 104th birthday, Sullivan got a gift basket from Larry Young, the CEO of Dr Pepper Snapple Group. She also got a cake shaped like a can of Dr Pepper, because obviously.

Read next: Calorie Count Coming Soon to a Can of Guinness Near You

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TIME society

Here Are All the Very Alarming Things Teenagers Apparently Do While Driving

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Starting with: changing clothes and doing homework

Most of us will admit that we’ve done some multitasking while driving here and there — but a new study about what teenage drivers do behind the wheel is a tad alarming.

For starters: 27 percent of teens admit they’ll occasionally change clothes and shoes while driving. The study, which was published this week in the Journal of Transportation Safety and Security, also found teens admit to doing things like changing contact lenses, putting on makeup and doing homework behind the wheel.

David Hurwitz, an assistant professor of transportation engineering at Oregon State University who led the study, told NPR that his team was pretty surprised about the whole changing clothes part. He added, “Teens are busy, I guess.”

These youngsters may be changing their outfits and doing their homework (seriously though, what kind of homework are they doing?) behind the wheel — but there’s some good news, too. Fewer teens reported texting while driving than they did in earlier studies. Granted, around 40 percent of teens still admitted to doing this, but at least the behavior is becoming slightly less common.

TIME viral

Read the Nasty Note a Neighbor Left an Amputee About a Handicapped Spot

The Miamisburg, Ohio, note immediately went viral

A cruel note calling an Ohio amputee a “cry baby one leg” has gone viral following a struggle between neighbors over an apartment building’s designated handicapped spot.

Ashley Brady, 26, lost her leg in a 2014 accident. She learned how to walk again, but Brady struggled to make it across the complex’s parking lot without slipping and falling on icy patches.

But her struggles didn’t end after her building gave her a handicapped parking spot.

“I finally get my handicapped parking spot last Thursday (March 12, 2015) and then I come home on Saturday and they’re parking in my parking spot,” she told an ABC affiliate, referencing a neighbor who did not have a handicap. So Brady decided to leave a “stern” note explaining her situation and “what it’s like to walk around without your own leg.”

The shocking letter Brady reportedly received as a response to justify her actions reads:

Hey handicap! First, never place your hands on my car again! Second, honey you ain’t the only one with “struggles.” You want pity go to a one leg support group! You messed with the wrong one! I don’t care what your note said shove it, but you touch my car again I will file a report, I am not playing! I let the office know the cry baby one leg touches my property I will cause trouble so go cry your struggles to someone who cares cause I’m walking away with both mine! -[Expletive]

After Brady’s sister shared the letter on Facebook in an attempt to shine a light on the nuanced struggles many handicapped people face on a daily basis, it went viral and she received sympathetic feedback right away.

“[My neighbor] told me to cry to someone who cares,” Brady says, “So I went to the internet and it turns out a lot of people care.”


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See 100 Years of Korean Beauty Trends In Just 90 Seconds

One woman captures a century of different styles

This mesmerizing time-lapse video shows a Korean woman modeling 100 years of fashion and beauty trends from both North and South Korea. It begins with the 1920s, and then splits into two separate panels once it hits the 1950s to reflect the country’s divide into North and South Korea.

You’ll see the model’s hair, makeup and accessories change rapidly, with some of the styles appearing to mirror American trends. You’ll also notice a very clear distinction between North Korean and South Korean trends.

This video is the latest installment from Cut.com’s “100 Years of Beauty” series, which has previously showcased trends from countries like the U.S. and Iran.

Read next: Watch How Iran’s Beauty Trends Have Evolved Over 100 Years

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