ACI on Florida’s Insurance Problem


Alan Daley has an op-ed that highlights the urgency for insurance reform in Florida.  The piece is available online in The Tallahassee Democrat.   The Calm before the Financial Storm Florida has a government-run entity called Citizens Property Insurance Corporation that was created to insure consumers and small businesses who cannot find an insurer offering […]

A Few Good Ideas in the Administration’s Cybersecurity Proposal

computer theft

In a January 2015 legislative proposal on Cybersecurity, the Administration offered three suggestions on Cybersecurity. First, information sharing between the private sector and government on cyber threats has been a useful practice in some sectors since before 2007. The Administration wants that expanded. Secondly, some courts and law enforcement seem unsure of their authority to […]

Cooler Heads Abandon a Gas Tax Increase

oil drills

For the past 6 years, consumers endured economic bad news ranging from disappointing to terrible.  Their chance of finding a good new job is so dismal that millions stopped looking.  The middle-class saw their wages and salaries stall or declined.  Their financial net worth declined a shocking 19%.  For many, the value of their home […]

Rigidity in Privacy, Transparency and Security

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There are persisting frictions among the public and policymakers regarding three privacy orientations: those who rank privacy above security, those who rank transparency of information above privacy, and those who rank security above privacy. These tribal orientations cannot be localized into “no go” neighborhoods, so we cannot “opt out” from the consequences of each orientation. The […]

Expecting a Crush of Lenders for Low Down Payment Mortgages?

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The most prominent obligation for federal bank regulators – the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve, and the Controller of the Currency – is to avoid another taxpayer bailout as happened in 2008. The Troubled Asset Relief Program (TARP) infused $250 billion into banks to stabilize them.  The program was embarrassing to banks […]

Equal Access to Quality Teachers – Done Right


A decade ago, Congress urged states to eliminate the disparity that left low-income students without a highly qualified teacher.  The feds think holding a degree, a teaching license and a background in the subject being taught is enough to be “highly qualified.”  However, being highly qualified does not equate to actual effectiveness in teaching.  To […]

Net Neutrality Kleptocrats


Where is the compelling collection of dashed consumer hopes that justifies transforming the US Internet into a 1930s style utility?  There is no such catalog of damage.  Instead there is a chorus of stylish but paranoid emotions over blocked content or “open and free” communications or fictional startups’ potential need for regulatory protection from competitors’ […]

Sony, North Korea, the US, and the Mistake of Hackers


Consumers were alerted to the cyber-attack on Sony evidently conducted by North Korea (NK) in return for a stoner movie called The Interview.  As it stands, the US seems to be doing little and Sony has round-filed the offending movie.  Sony executives had let their sharp tongues overrun their good judgment in emails that criticized […]