Voting By Foot Works Quite WellBy John HoodRALEIGH — Did you know that the voters of San Francisco will decide this fall whether the city will set up its own municipal bank? That is to say, it allowed — and continues to allow — Americans to vote in three different ways. I think that setting up a government-run bank to offer mortgage loans and other financial services is a terrible idea. Because I don’t live in the places pursuing them, however, I can neither halt their implementation nor suffer their harmful consequences. His books Mountain Folk, Forest Folk, and Water Folk combine epic fantasy with American history (FolkloreCycle.com).