The decay of federalism

Within my own lifetime of several decades, I can remember a time when there was wide agreement among citizens of this country about issues that affected nearly everybody. Nowadays, there appears be less consensus than ever. Since shared visions about the right way to behave to do things are more difficult to ascertain, the political system is infused with more pressure to compel people to do, or not do, a whole host of things based on whatever particular group of people are in power at that moment feel is correct. I have always believed that state and local governments were great and necessary features of our system, and that experimentation by states was critical to finding appropriate government solutions where government was necessary.  But in my youth, we didn’t turn to government to determine things like whether a podiatrist or an orthopedic surgeon would be allowed to operate on a human ankle.  We left those judgments to the professional societies. Some years ago, the states were told by the Congress that they were going to lose federal highway money if they didn’t post a 55 mph speed limit. A couple of years after that, the funding was made contingent on whether they changed their drunk driving laws to a .08 blood alcohol content standard. These seemed like terrific ideas to some people, maybe even most people. But the current trend, exemplified by the beverage ordinance in New York City, should give us pause about how much government we want in our lives. More to the point here, what level of government should handle what kinds of control over our behavior. Health care, because it is so laced with emotion, is possibly a poor example to choose for a general federalism discussion. But the fact remains that the decision on the Affordable Care Act yesterday has essentially ended any experimentation on health care policy by the states in ways that are not acceptable to Washington, D.C, essentially affirming a federal government coup. (Wisconsin, by the way, already had a state law that allowed parents to keep their children covered on the parents’ health insurance policies until they reached the age of 28.) The feds, not even able to pass a budget  in many years, have taken over. And they trying do the same thing in energy policy. Because the people in charge of the current administration are from Fantasyland when it comes to these foundations of the U.S. economy, the trend to let Washington put eveything in one box so they can fix it should keep us up nights. The one bright spot for conservatives in yesterday’s decision was noted by Sen. Chuck Schumer, D-N.Y., who told the Huffington Post this morning: "I do worry in the future about the court's limiting the Commerce Clause as a way of limiting the ability of the federal government to help average families." The 5-4 decision authored by Chief Justice John Roberts has kept the government, for the time being, from telling us we have to eat broccoli.  But they will certainly keep trying, and have been steadily eroding the protections afforded by the Tenth Amendment to the states and to the people. So when mistakes happen, they will happen to the whole country.  As the expression goes, “If you are in the market, everything that happens…happens to you.”

Uber and Lyft prepare for Houston showdown

Apr 18, 2014…When Uber entered the Houston market in February it provoked the same outcry from the city's only two cab companies. The city code does prohibit drivers without livery …

http://www.rstreet.org/2014/04/18/uber-and-lyft-prepare-for-houston-showdown/

Congress should help, not hinder, private terror insurance markets

Apr 17, 2014…Earlier this week, I took part in what I found to be a lively and enlightening panel discussion on the Terrorism Risk Insurance Act, the now-12-year-old federal program …

http://www.rstreet.org/2014/04/17/congress-should-help-not-hinder-private-terror-insurance-markets/

Differentiation within the peer production economy

…Earlier this week, Pascal-Emmanuel Gobry posted a long and thoughtful comment on my response to his Forbes piece on the sharing economy from last week. I wanted to …

http://www.rstreet.org/2014/04/17/differentiation-peer-production/

Facing Social Security’s ignoble lie

Apr 16, 2014…That federal entitlement programs are heading for an increasingly unavoidable crisis has (justifiably) become conventional wisdom in Washington. What's more, these programs unquestionably hold the lion's share of …

http://www.rstreet.org/2014/04/16/facing-social-securitys-ignoble-lie/

Treasury regs and Louisiana’s coast

…Yesterday saw two significant bits of news come out of the Louisiana Gulf Coast. First, oil company BP announced that, almost four years after the Deepwater Horizon oil …

http://www.rstreet.org/2014/04/16/restore-act-treasury-regs/

R Street’s Lehmann on terrorism insurance

Apr 15, 2014…R Street Co-Founder, Editor-in-Chief and Senior Fellow R.J. Lehmann participated in a panel organized by National Journal magazine and hosted at Chicago's Soldier Field by Zurich North America …

http://www.rstreet.org/2014/04/15/r-streets-lehmann-on-terrorism-insurance/

Responding to Coppage and Gobry on the sharing economy

Apr 14, 2014…This morning in the American Conservative, Jonathan Coppage writes about "The Sharing Economy’s Undead Capital, and Its Discontents," commenting on my essay in The Ümlaut last week, as …

http://www.rstreet.org/2014/04/14/responding-to-coppage-and-gobry-on-the-sharing-economy/

Ridesharing, insurance and regulation

Apr 10, 2014…ALEC's Cara Sullivan had a good post earlier this week on the American Legislator blog about the importance of balancing consumer protection with innovation in the ride-on-demand services …

http://www.rstreet.org/2014/04/10/ridesharing-insurance-regulation/

Scott Rigell tries to resurrect totally discredited Marketplace Fairness Act

…I'll say one positive thing about supporters of the Marketplace Fairness Act: they're nothing if not persistent. They've been trying to hammer a square peg into a round …

http://www.rstreet.org/2014/04/10/scott-rigell-tries-to-resurrect-totally-discredited-marketplace-fairness-act/

R Street’s Salam with FBI vet Michael German

Apr 7, 2014…Over at the Vice Podcast, R Street's Reihan Salam discusses how the FBI has changed since the Sept. 11, 2001 terrorist attacks, with Michael German, a 16-year FBI …

http://www.rstreet.org/2014/04/07/r-streets-salam-with-fbi-vet-michael-german/

Can a vampire serve in Congress?

Apr 3, 2014…While this might be the sort of question one usually only expects to hear on an episode of True Blood, it became a genuine concern this week. It …

http://www.rstreet.org/2014/04/03/can-a-vampire-serve-in-congress/

Breaking wind

…It's budget season, and with budget season comes a renewed debate over one of the most depressing elements of American politics – namely, its tendency to pick winners …

http://www.rstreet.org/2014/04/03/breaking-wind/

Sanders talks robopocalypse on FBC’s ‘The Independents’

Apr 2, 2014…R Street Outreach Director Lori Sanders joined hosts Kennedy, Kmele Foster and Matt Welch (editor of Reason magazine) on Fox Business Channel's "The Independents" to discuss whether the …

http://www.rstreet.org/2014/04/02/sanders-talks-robopocalypse-on-fbcs-the-independents/

Is it only violent people who fear video game violence?

Mar 28, 2014…Recently, residents of my home state of California got an uncharacteristically hilarious moment of political irony. In a storyline that may as well be from The Blacklist, state …

http://www.rstreet.org/2014/03/28/is-it-only-violent-people-who-fear-video-game-violence/

Smoking cessation expert to Health Canada: Stop killing smokers

…Health Canada has blocked sales of nicotine-containing e-cigarettes, even though the devices are readily available in the United States.  I previously commented on the agency's unfounded opposition to …

http://www.rstreet.org/2014/03/28/smoking-cessation-expert-to-health-canada-stop-killing-smokers/

When does a school become a scam?

…With the student loan debt bubble starting to look to many worried observers like Subprime Mortgages 2: Electric Boogaloo, the question of whether college is really worth it …

http://www.rstreet.org/2014/03/28/when-does-a-school-become-a-scam/

Detroit: From ‘Heat Wave’ to deep freeze

Mar 27, 2014…In the early 1960s, a young songwriter from Detroit named Lamont Dozier signed an exclusive contract with Motown Records, teamed up with Eddie and Brian Holland, and eventually …

http://www.rstreet.org/2014/03/27/detroit-from-heat-wave-to-deep-freeze/

The ‘House of Cards’ generation

…In the first season of Netflix's runaway political hit "House of Cards," protagonist and antihero Frank Underwood remarks dryly about a liberal educational expert's bill that: Two things are …

http://www.rstreet.org/2014/03/27/the-house-of-cards-generation/

Rick Santorum’s geographic suicide pact

Mar 25, 2014…While the 2014 midterm election season has not yet fully taken shape, reading most major press outlets, one could be forgiven for concluding that the 2016 presidential primary …

http://www.rstreet.org/2014/03/25/rick-santorums-geographic-suicide-pact/

Vermont vapers cheesed off by tax proposal

…The Vermont Legislature is considering a new (vastly higher) tax on e-cigarettes and smokeless tobacco that would treat them very much like cigarettes. The revenue Vermont hopes to …

http://www.rstreet.org/2014/03/25/vermont-vapers-cheesed-off-by-tax-proposal/

’4/04 Day’ panel and happy hour

…The Congressional Data Coalition is hosting a panel and happy hour on April 4 ("4/04 Day") sponsored by the R Street Institute, and organized with help from other coalition …

http://www.rstreet.org/2014/03/25/404-day-panel-and-happy-hour/

Clinical trial: e-cigarettes are satisfying cigarette substitutes

Mar 21, 2014…A clinical trial demonstrates that e-cigarettes deliver nicotine, reduce craving and satisfy vapers. The research, published in Scientific Reports, is the work of Konstantinos Farsalinos and colleagues at …

http://www.rstreet.org/2014/03/21/clinical-trial-e-cigarettes-are-satisfying-cigarette-substitutes/

Apply now for our 2014 Google Policy Fellowship

…The R Street Institute (a free-market think tank headquartered in Washington, DC) is accepting applications for its 2014 Google Policy Fellowship in technology policy. R Street's Google Fellow …

http://www.rstreet.org/2014/03/21/apply-now-for-our-2014-google-policy-fellowship/

Fla Cat Fund missing out on best reinsurance market ever

Mar 20, 2014…Coming into 2014, we had modest expectations of the potential for significant property insurance reform in Florida. Given that it is an election year – and one featuring …

http://www.rstreet.org/2014/03/20/fla-cat-fund-missing-out-on-best-reinsurance-market-ever/

Survey finds businesses would reducing hiring, raise prices to offset minimum wage hike

…Though the Congressional Budget Office has already warned that the proposed $10.10 federal minimum wage could cost the economy at least 500,000 jobs over the next two years, President …

http://www.rstreet.org/2014/03/20/survey-finds-businesses-would-reducing-hiring-raise-prices-to-offset-minimum-wage-hike/

R Street looking for a California director

…The R Street Institute, a free-market think tank based in Washington, is looking for a dynamic, energetic person to serve as the first employee and director of a …

http://www.rstreet.org/2014/03/20/r-street-looking-for-a-california-director/

NSA can record every phone call in a foreign country

Mar 19, 2014…The NSA spying controversy has found its way back in the news, after a brief respite due to the foreign policy crisis with Russia and coverage of the missing …

http://www.rstreet.org/2014/03/19/nsa-can-record-every-phone-call-in-a-foreign-country/

Vapers, know your e-cig ingredients: propylene glycol

Mar 14, 2014…A common knock against e-cigarettes is that we don't know the long-term health effects of consuming nicotine vapor.  The fact is that while it's impossible to have complete …

http://www.rstreet.org/2014/03/14/vapers-know-your-e-cig-ingredients-propylene-glycol/

UCSF study falsely links e-cigarettes to smoking

Mar 11, 2014…Academics at the University of California San Francisco have used the 2011 and 2012 National Youth Tobacco Survey to fabricate a claim that "e-cigarettes are likely to be …

http://www.rstreet.org/2014/03/11/ucsf-study-falsely-links-e-cigarettes-to-smoking/

Republicans dip toes in TV reg reform waters

Mar 6, 2014…Just when it seemed that Republicans might take the plunge in reforming outdated retransmission consent laws, it sounds like they found the water colder than expected and have …

http://www.rstreet.org/2014/03/06/republicans-dip-toes-in-tv-reg-reform-waters/

Design patents are a poor match for high fashion

Mar 5, 2014…As the lengthy Hollywood awards season has shown us, fashion - especially red carpet fashion - is rife with faux pas, but none so great as "stealing the …

http://www.rstreet.org/2014/03/05/design-patents-are-a-poor-match-for-high-fashion/

Portrait of the porn star as a young millennial

Feb 28, 2014…News that there is a Duke University freshman who acts in pornographic films was always going to make the Internet catch fire.  But the recent revelations, which have …

http://www.rstreet.org/2014/02/28/portrait-of-the-porn-star-as-a-young-millennial/

‘Innocence of Muslims’ ruling raises host of questions

Feb 27, 2014…Remember the video that President Obama cited as the reason behind the attacks in Benghazi? The 9th Circuit Court of Appeals has voted 2-1 to order the video …

http://www.rstreet.org/2014/02/27/innocence-of-muslims-take-down-order-raises-host-of-questions/

Movin’ on up to the right side

Feb 25, 2014…In a debate near the end of her premiership, British Prime Minister Margaret Thatcher was faced with a questioner who complained that while "the prime minister has achieved …

http://www.rstreet.org/2014/02/25/movin-on-up-to-the-right-side/

State attorneys general support patent reform

…The attorneys general of 42 states have signed a letter supporting efforts in Congress to enact comprehensive patent reform legislation. The letter emphasizes the need for increased transparency, …

http://www.rstreet.org/2014/02/25/state-attorney-generals-support-patent-reform/

Justice trumps compassion

Feb 24, 2014…Late in season two of House of Cards (spoiler alert!), the show's protagonist, Vice President Francis Underwood, is confronted with a thorny and uncharacteristically human problem when Freddy, …

http://www.rstreet.org/2014/02/24/justice-trumps-compassion/

The REINS Act doesn’t go far enough

…In a recent Rasmussen poll, more than half of likely voters (51 percent) said they believe EPA regulations should require congressional approval before they are implemented.  Given that …

http://www.rstreet.org/2014/02/24/the-reins-act-doesnt-go-far-enough/

Why doesn’t the left push a universal basic income?

…It seems barely a week goes by without the release of some statistic that sparks an unwieldy volume of conflicting interpretations. Last week, it was the projection by …

http://www.rstreet.org/2014/02/24/why-doesnt-the-left-push-a-universal-basic-income/

R Street’s Sanders on the Thom Hartmann Show

Feb 22, 2014…R Street's Lori Sanders took part in an hour-long panel with progressive commentator Nate Sweet and Project 21/MoveOnUp.org's Hughey Newsome on RT's Thom Hartmann Show. Topics covered include …

http://www.rstreet.org/2014/02/22/r-streets-sanders-on-the-thom-hartmann-show/

Salam on whether racist incidents are on the rise

…Over at CNN's OutFront with Erin Burnett, R Street's Reihan Salam joined Mark Potok, senior fellow with the Southern Poverty Law Center, to discuss a recent incident in …

http://www.rstreet.org/2014/02/22/salam-on-whether-racist-incidents-are-on-the-rise/

Tobacco harm reduction endorsed in New England Journal of Medicine

Feb 21, 2014…In late January, the New England Journal of Medicine published a ringing endorsement of tobacco harm reduction.  The authors of "Smoke, The Chief Killer – Strategies for Targeting …

http://www.rstreet.org/2014/02/21/tobacco-harm-reduction-endorsed-in-new-england-journal-of-medicine/

Join AFF and R Street’s Lori Sanders for a panel on the right’s response to poverty

Feb 20, 2014…Yesterday, the Washington Post published a damning chart examining the War on Poverty. The chart showed the poverty rate's fluctuations over the last 50 years, once taxes and …

http://www.rstreet.org/2014/02/20/join-aff-and-r-streets-lori-sanders-for-a-panel-on-the-rights-response-to-poverty/

Internet comments sections are more dangerous than video games

…In the past few weeks, two fascinating pieces of research concerning technology and the Internet have come to light. A study from Brock University in Canada suggests prolonged …

http://www.rstreet.org/2014/02/20/internet-comments-sections-are-more-dangerous-than-video-games/

The silliness of Florida’s film tax incentives

…A spectre is haunting Florida: The spectre of running out of taxpayer money to subsidize Hollywood productions in the state! Tampa's Bay News 9 reports: Hollywood producers have been scouting …

http://www.rstreet.org/2014/02/20/florida-film/

Beaver pelts and broadband

Feb 19, 2014…In 1670, King Charles II of England granted a group of 17 men—now called the Hudson Bay Co.—a royal charter, which gave them control over 40 percent of …

http://www.rstreet.org/2014/02/19/beaver-pelts-and-broadband/

God and man and supply and demand

…In 1951, William F. Buckley Jr. published the first of his many books, "God and Man at Yale." An instant commercial success, and an instant source of controversy, …

http://www.rstreet.org/2014/02/19/god-and-man-and-supply-and-demand/

Salam on Chris Christie’s political career and prospects

Feb 14, 2014…R Street Senior Fellow Reihan Salam joined CNN OutFront host Erin Burnett and New Republic Senior Editor Alec MacGillis to discuss MacGillis' cover story in the latest issue …

http://www.rstreet.org/2014/02/14/salam-on-chris-christies-political-career-and-prospects/

Poisoning public health issues: Chapter 2

Feb 13, 2014…Three years ago I discussed an unfounded claim by Harvard University's Dr. Gregory Connolly that smokeless tobacco products are a major cause of poisoning among American children.  A …

http://www.rstreet.org/2014/02/13/poisoning-public-health-issues-chapter-2/

Reasons to fight back today

Feb 11, 2014…There comes a point when people just can't take it anymore, when frustration and anger boil over into public displays. Two years ago, that anger manifested in the …

http://www.rstreet.org/2014/02/11/reasons-to-fight-back-today/

The Obamacare trap

…Last week's release of Congressional Budget Office numbers showing that Obamacare is projected to decrease employment by 2.5 million jobs has, by now, been litigated almost to the …

http://www.rstreet.org/2014/02/11/the-obamacare-trap/

A day to fight back

Feb 10, 2014…Hoping to capture the same grassroots outcry that successfully blocked ham-handed anti-piracy bills SOPA and PIPA two years ago, a number of organizations on both the left and …

http://www.rstreet.org/2014/02/10/a-day-to-fight-back/

Nitzkin on Oregon’s proposed e-cigarette ban

Feb 6, 2014…R Street's Dr. Joel Nitzkin testified yesterday before the Oregon Legislature regarding bills that would ban sales of e-cigarettes to minors and ban their use in areas where …

http://www.rstreet.org/2014/02/06/nitzkin-on-oregons-proposed-e-cigarette-ban/

Salam discuses student debt with Anya Kamenetz

…Over at the Vice Podcast, R Street's Reihan Salam interviews Anya Kamenetz, staff writer for Fast Company and a columnist for Tribune Media, about the state of higher …

http://www.rstreet.org/2014/02/06/salam-discussing-student-debt-with-anya-kamenetz/

How can businesses ‘regulate their rivals’ in a bill eliminating regulations?

…Fred Campbell, executive director of a new group called the Center for Boundless Innovation in Technology, had a curious piece on retransmission consent on The Hill’s Congress Blog …

http://www.rstreet.org/2014/02/06/how-can-businesses-regulate-their-rivals-in-a-bill-eliminating-regulations/

CVS abandons tobacco and reason

Feb 5, 2014…Tobacco control advocates have for years pressured pharmacies to stop selling tobacco. Today, CVS, the nation's second-largest drugstore chain, announced it will end all tobacco product sales effective …

http://www.rstreet.org/2014/02/05/cvs-abandons-tobacco-and-reason/

NSA surveillance should not be the new normal

…It's saying something when National Security Agency data collection becomes a reference point in the sports pages. In an article in this morning's Houston Chronicle, reporter Roy Bragg begins …

http://www.rstreet.org/2014/02/05/nsa-surveillance-should-not-be-the-new-normal/

To an ‘ordinary observer,’ design patents flunk the test

…The U.S. Supreme Court laid down the legal standard for what constitutes infringement of a design patent in the 1871 case Gorham v. White. The court's decision, which …

http://www.rstreet.org/2014/02/05/design-patents-flunking-ordinary-observer-test/

Design patents are an ornamental drag on innovation

…What's the purpose of a patent? If you answered "to promote scientific progress and development by giving incentives to inventors," then you're at the top of the class. …

http://www.rstreet.org/2014/02/05/design-patents-are-an-ornamental-drag-on-innovation/

FISA requests way more interested in email content than ‘metadata’

Feb 3, 2014…In a major step forward for transparency, Google today offered the first batch of disclosures made pursuant to new U.S. Department of Justice rules allowing companies to publish …

http://www.rstreet.org/2014/02/03/fisa-requests-way-more-interested-in-email-content-than-metadata/

Flood insurance and the phantom real estate crash

Jan 31, 2014…To hear proponents tell the tale, the reason the U.S. Senate voted yesterday to gut reforms to the National Flood Insurance Program that it had approved overwhelmingly just …

http://www.rstreet.org/2014/01/31/flood-insurance-and-the-phantom-real-estate-crash/

Exploiting the 50th anniversary of the Surgeon General’s report on smoking

Jan 29, 2014…Fifty years ago, U.S. Surgeon General Luther Terry issued a landmark report describing the health risks of cigarette smoking. Tobacco prohibitionists are using the anniversary to promote onerous …

http://www.rstreet.org/2014/01/29/exploiting-the-50th-anniversary-of-the-surgeon-generals-report-on-smoking/

The GOP’s new base?

Jan 27, 2014…Today saw the release of the Washington Post's January poll of registered voters on a singularly interesting question: "Which political party, the (Democrats) or the (Republicans), do you …

http://www.rstreet.org/2014/01/27/the-gops-new-base/

Buckley’s revenge

Jan 26, 2014…In a 1988 debate over drug policy, William F. Buckley Jr struck what would have been, for a conservative, a rather unconventional position on a hot button social …

http://www.rstreet.org/2014/01/26/buckleys-revenge/

Fear and clarity in Davos

… I happened to be watching the World Economic Forum in Davos this week and was struck by the number of CEOs who mentioned "clarity" as the overarching need …

http://www.rstreet.org/2014/01/26/fear-and-clarity-in-davos/

BMJ editorial: Holding the line for ignorance

Jan 25, 2014…The British Medical Journal grossly erred in its Jan. 2 commentary "Hold the line against tobacco" by Editor Dr. Fiona Godlee. BMJ asserts that e-cigarettes pose a "grave risk …

http://www.rstreet.org/2014/01/25/bmj-editorial-holding-the-line-for-ignorance/

Should Snowden get clemency?

Jan 24, 2014…Over at the VICE podcast, R Street Senior Fellow Reihan Salam hosts a debate between Ben Wizner, director of the American Civil Liberties Union's Speech, Privacy & Technology …

http://www.rstreet.org/2014/01/24/should-snowden-get-clemency/

Nitzkin on the benefits of e-cigarettes

Jan 23, 2014…Oklahoma City's KFOR NewsChannel 4 carried this report on the Jan. 21 joint hearing of the Oklahoma Senate Committee on Health and Human Services and the Oklahoma House …

http://www.rstreet.org/2014/01/23/nitzkin-on-the-benefits-of-e-cigarettes/

Rothschild on how Florida should use RESTORE Act funds

Jan 22, 2014…Florida lawmakers should ensure the windfall that will soon come to the state's counties under the federal RESTORE Act are used as intended for environmental and economic reparations …

http://www.rstreet.org/2014/01/22/rothschild-on-how-florida-should-use-restore-act-funds/

Congress should put NSA back on target

Jan 21, 2014…Before Christmastime, hackers from Eastern Europe loaded malware onto big box store Target's computers, collecting credit card information on millions of people. No one seriously disputes that what these …

http://www.rstreet.org/2014/01/21/congress-should-put-nsa-back-on-target/

Game over for video game violence alarmism

Jan 20, 2014… In 1999's comedic classic, "South Park: Bigger, Longer and Uncut," a mob of angry parents, searching for an explanation for their children's increasingly profane language, point the finger …

http://www.rstreet.org/2014/01/20/game-over-for-video-game-violence-alarmism/

Burn all the patent violators!

Jan 16, 2014…In 1421, an Italian architect, Filippo Brunelleschi, designed a truly massive creation. Called ll Badalone, or "The Sea-Going Monster," it was a ship intended to haul a hundred tons …

http://www.rstreet.org/2014/01/16/burn-all-the-patent-violators/

US privacy law requires operating system upgrade

…This may not be obvious but, as a short trip through some of Buzzfeed's less serious listicles will quickly reveal, the world has changed since 1986. Ronald Reagan is …

http://www.rstreet.org/2014/01/16/privacy-law-requires-operating-system-upgrade/

House to hold hearings on Internet sales tax

Jan 14, 2014…The issue seemed to be dead going into 2014, but some House Republicans — those who seem determined to find a way to raise taxes — are planning …

http://www.rstreet.org/2014/01/14/house-to-hold-hearings-on-internet-sales-tax/

A sad day at National Underwriter

Jan 13, 2014…Before jumping into think tank life in late 2011 (technically speaking, jumping back into think tank life, as I did have a brief spell with the Independent Institute …

http://www.rstreet.org/2014/01/13/a-sad-day-at-national-undewriter/

Are we all #fullcommunists now?

Jan 10, 2014…The explosively angry reaction on the right to Jesse Myerson's recent Rolling Stone piece, "Five Economic Reforms Millennials Should Be Fighting For" is, like its earlier reaction to …

http://www.rstreet.org/2014/01/10/are-we-all-fullcommunists-now/

Lehrer talks ‘ban the box’ on WBAL

…R Street President Eli Lehrer was on WBAL Radio in Baltimore, Md., to discuss his recent Huffington Post piece on proposals to "ban the box" -- that is …

http://www.rstreet.org/2014/01/10/lehrer-talks-ban-the-box-on-wbal/

SAVE THE DATE: Florida Chamber’s 7th Annual Insurance Summit

Jan 9, 2014…Those interested in the future of insurance in the Sunshine State should register for the Florida Chamber of Commerce's Seventh Annual Insurance Summit, set for Jan. 15-17 at …

http://www.rstreet.org/2014/01/09/save-the-date-florida-chambers-7th-annual-insurance-summit/

Upcoming R Street tech policy briefings

Jan 8, 2014…Please join us for two days of tech policy briefings followed by a networking happy hour at Capitol Lounge presented by the R Street Institute and Generation Opportunity. …

http://www.rstreet.org/2014/01/08/upcoming-r-street-tech-policy-briefings/

The left’s half-baked critique of gamer culture

…With the advent of video gaming as an art form, it is both natural and appropriate that criticism of its "canon" should arise. Just as scholars puzzle over …

http://www.rstreet.org/2014/01/08/the-lefts-half-baked-critique-of-gamer-culture/

Are we seeing the end of Baptist-bootlegger politics?

Jan 6, 2014…Thirty years ago, economist Bruce Yandle introduced the world in a classic essay to the pervasive power of "Bootleggers and Baptists," a catchphrase used to refer to any …

http://www.rstreet.org/2014/01/06/are-we-seeing-the-end-of-baptist-bootlegger-politics/

NYU to e-cigarette users: Cigarettes are healthier

Jan 3, 2014…I have noted in the past how prestigious organizations sometimes spew misinformation about the risks of smokeless tobacco; I have been especially critical of individuals representing the Mayo …

http://www.rstreet.org/2014/01/03/nyu-to-e-cigarette-users-cigarettes-are-healthier/

Do e-cigarettes cause passive vaping?

Dec 30, 2013…"Passive smoking" has been hotly contested. Is there a case for "passive vaping?" Hardly. A detailed study of e-cigarette vapor by German investigators at the Fraunhofer Wilhelm-Klauditz Institute's Department …

http://www.rstreet.org/2013/12/30/do-e-cigarettes-cause-passive-vaping/

Rothschild talks RESTORE Act on New Orleans’ WWL

Dec 19, 2013…R Street State Projects Director and Senior Fellow Daniel M. Rothschild joined host Garland Robinette on New Orleans WWL Radio, AM 870/FM 105.3, to discuss how Louisiana will …

http://www.rstreet.org/2013/12/19/rothschild-talks-coastal-act-on-new-orleans-wwl/

Missing the point on ‘Pajama Boy’

…Like every conservative, when I saw the recent Obamacare ads featuring the by-this-point infamous "Pajama Boy," my first reaction was near-instant derision, and not just because of unpleasant …

http://www.rstreet.org/2013/12/19/missing-the-point-on-pajama-boy/

Scalise to the retrans reform rescue

…I've been working on the issue of retransmission consent, the process by which broadcasters and television service providers negotiate a price for delivering video content to consumers, for …

http://www.rstreet.org/2013/12/19/scalise-to-the-retrans-reform-rescue/

Why Christians (and Americans) should support A&E’s Duck Dynasty decision

…The past 24 hours have seen lots of hand-wringing over cable channel A&E's decision to suspend Phil Robertson, the patriarch in the hit show "Duck Dynasty," for controversial …

http://www.rstreet.org/2013/12/19/why-christians-and-americans-should-support-aes-duck-dynasty-decision/

Legacy tells the truth, THR revolution gains momentum

…After 20 years of staunch opposition to and misinformation about tobacco harm reduction from anti-tobacco forces, one prominent figure has broken ranks, offering the truth and a cautious …

http://www.rstreet.org/2013/12/19/legacy-tells-the-truth-thr-revolution-gains-momentum/

Sanders on the farm bill

Dec 18, 2013…R Street Senior Fellow Lori Sanders discusses the farm bill on 1070 AM WINA in Charlottesville, Va. Click here to download the podcast. …

http://www.rstreet.org/2013/12/18/sanders-on-the-farm-bill/

Shining a light on federal advertising

Dec 17, 2013…News broke this week that insurers plan to spend more than $500 million in coming months to market the healthcare plans available on the Obamacare exchanges. This will …

http://www.rstreet.org/2013/12/17/shining-a-light-on-federal-advertising/

The CDC abuses the facts about e-cigarettes – Part II

Dec 16, 2013…In a previous post, I noted false and misleading information in a U.S. Centers for Disease Control and Prevention press release about e-cigarette use by youth. The CDC reported …

http://www.rstreet.org/2013/12/16/the-cdc-abuses-the-facts-about-e-cigarettes-part-ii/

Wisconsin workers’ comp insurers propose to rein in costs

Dec 13, 2013…States once again show the way to management and reform of public systems by having affected interests sit down together to work out a plan. In Wisconsin, the …

http://www.rstreet.org/2013/12/13/wisconsin-workers-comp-insurers-propose-to-rein-in-costs/

Insurance shows that federalism works

Dec 12, 2013…Fifty-four years ago, the Advisory Commission on Intergovernmental Relations was established by statute to examine the best or most logical accommodations of federalism. For many years, it held …

http://www.rstreet.org/2013/12/12/insurance-shows-that-federalism-works/

ECPA reform campaign will get official White House response

…Early Thursday morning, with just hours remaining before the cutoff, a WhiteHouse.gov We the People petition to reform ECPA (Electronic Communications Privacy Act) and update privacy laws to …

http://www.rstreet.org/2013/12/12/ecpa-reform-campaign-will-get-official-white-house-response/

Good news from Florida

Dec 10, 2013…Good news from Florida on the insurance front: the state-run Citizens Property Insurance Corporation has shrunk their exposure by some 35 percent. This is a win for competitive insurance …

http://www.rstreet.org/2013/12/10/good-news-from-florida/

The election Obamacare postponed

…Imagine a purely hypothetical election. An incumbent president who is despised with unmatched wrath by his party base is swept out of office in disgrace after his administration's …

http://www.rstreet.org/2013/12/10/the-election-obamacare-postponed/

The CDC abuses the facts about e-cigarettes, part I

Dec 5, 2013…The headline on the Centers for Disease Control's Sept. 5 press release was dire: "E-cigarette use more than doubles among U.S. middle and high school students from 2011-2012."  …

http://www.rstreet.org/2013/12/05/the-cdc-abuses-the-facts-about-e-cigarettes-part-i/

Join today’s ‘Day of Action’ on electronic privacy

…This week, Congress updated one outdated technology law, but they've left a more serious one languishing.  While Congress has renewed the Undetectable Firearms Act, which bans plastic guns, …

http://www.rstreet.org/2013/12/05/join-todays-day-of-action-on-electronic-privacy/

An X-boneheaded argument

Dec 4, 2013…In the 1980s, a group was formed which warned of an emerging danger to American's youth. That danger was a new, and increasingly popular form of entertainment that, …

http://www.rstreet.org/2013/12/04/an-x-boneheaded-argument/

Pope Francis and the three-legged stool

Dec 2, 2013…Spend any time at a gathering of conservative thinkers, and soon enough, the conversation will turn, like clockwork, to the idea that conservatism needs to remain a "three …

http://www.rstreet.org/2013/12/02/pope-francis-and-the-three-legged-stool/

Salam on the Obamacare delay for small business

Nov 29, 2013…R Street Senior Fellow Reihan Salam joined CNN's Erin Burnett and Democratic Strategist Chris Kofinis to discuss the latest announced Obamacare delay, as the portion of the federal …

http://www.rstreet.org/2013/11/29/salam-on-the-obamacare-delay-for-small-business/

What the EU snus ban means: 290,865 casualties per year

…A Nov. 12 e-cigarette summit at the Royal Society in London featured a range of views on European prospects for these new products. Tobacco harm reduction proponents included Clive …

http://www.rstreet.org/2013/11/29/what-the-eu-snus-ban-means-290865-casualties-per-year/

(Un)happy Thanksgiving, from USDA’s family to yours

Nov 28, 2013…Every Thanksgiving, our pre-dinner routine is the same. We trek out, mile-long list in hand, to our local grocery store, prepared to fill our buggies with every food …

http://www.rstreet.org/2013/11/28/unhappy-thanksgiving-from-usdas-family-to-yours/

Another flood insurance canard washed away

Nov 27, 2013…When the cause of flood insurance reform is advanced, one immediate bit of pushback that one tends to hear is that reform is unfair. The reasoning usually goes …

http://www.rstreet.org/2013/11/27/another-flood-insurance-canard-washed-away/

Federal snooping’s chilling effect on writers, data

…The expansion of government surveillance— or, more precisely, our expanding awareness of government surveillance— has had a chilling effect on writers. According to a survey conducted by the PEN …

http://www.rstreet.org/2013/11/27/federal-snoopings-chilling-effect-on-writers-data/

The FDA’s war on information

Nov 26, 2013… The Food and Drug Administration is cracking down on a "dangerous" medical product, but it's not a drug or a diet or a surgery. It's information. On Nov. 22, the …

http://www.rstreet.org/2013/11/26/the-fdas-war-on-information/

Australia: tobacco control and bootlegger paradise

Nov 22, 2013…Australia is the darling of anti-tobacco extremists.  They tout that country as the model for draconian cigarette regulation and taxation.  Australia imposed mandatory plain packaging last December and …

http://www.rstreet.org/2013/11/22/australia-tobacco-control-and-bootlegger-paradise/

Did Obamacare reveal its own alternative?

Nov 21, 2013…When it comes to Obamacare's current problems, there is a story often told at libertarian seminars that springs to mind. The story tells of a town that, plagued …

http://www.rstreet.org/2013/11/21/did-obamacare-reveal-its-own-alternative/

The 375 Charts You Must See

…For years, blog posts promising "The One Chart That Explains" some complex subject or "Three Graphs Tell You Everything You Need to Know About" a current policy debate …

http://www.rstreet.org/2013/11/21/the-375-charts/

Obama’s SBA spent $80,000 in taxpayer money on study to promote Internet sales tax

Nov 20, 2013…There's wasteful spending and then there's wasteful spending, Chicago-style. File this under the latter. To translate the bureaucrat-ese at the link for you, this is an award notice for …

http://www.rstreet.org/2013/11/20/obamas-sba-spent-80000-in-taxpayer-money/

Overdue patches for privacy law

Nov 19, 2013…The furor over National Security Agency spying keeps turning up surveillance ops that are stomach-turning, but legal, thanks to too permissive law.  Some regulations were deliberately written to …

http://www.rstreet.org/2013/11/19/overdue-patches-for-privacy-law/

R Street is seeking a think tank office manager

Nov 18, 2013…[Update: Position filled. Thanks to everyone who applied!] The organization The R Street Institute is fast-growing a non-profit 501(c)(3) think tank in Washington, D.C. with a full-time staff of 11. …

http://www.rstreet.org/2013/11/18/r-street-is-seeking-a-think-tank-office-manager/

Another reason to defend the fraternal tax exemption

…The Roman politician, general and renowned orator, Marcus Tullius Cicero, once wrote that "custom is the best interpreter of the law."  Even today, his observations are relevant to …

http://www.rstreet.org/2013/11/18/another-reason-to-defend-the-fraternal-tax-exemption/

New energy for the farm bill

Nov 15, 2013…I’ve written several times criticizing the efforts of the House on the farm bill, highlighting the myriad ways in which the House’s agriculture supports are far too generous, …

http://www.rstreet.org/2013/11/15/new-energy-for-the-farm-bill/

School choice: a solution to bullying

Nov 14, 2013…As readers may or may not be aware, it's School Choice Week. However, given the items in the news, you could be forgiven for not knowing. In fact, …

http://www.rstreet.org/2013/11/14/school-choice-a-solution-to-bullying/

Misinformation from federal officials, 2013 edition

…"See, in my line of work," said President George W. Bush in 2005, "you got to keep repeating things over and over and over again for the truth …

http://www.rstreet.org/2013/11/14/misinformation-from-federal-officials-2013-edition/

New York AG treating Airbnb customers to fishing expedition

… Eric Schneiderman, New York's attorney general, has issued a subpoena to Airbnb to request data on all users in New York who have ever used the popular Internet …

http://www.rstreet.org/2013/11/14/new-york-ag-treating-airbnb-customers-to-fishing-expedition/

Doubling down on dishonesty

Nov 13, 2013…"Somebody is on the wrong side of history," said Joe Trippi, the "netroots" guru and former campaign manager for Howard Dean's presidential quest, on a recent TV news …

http://www.rstreet.org/2013/11/13/doubling-down-on-dishonesty/

Hot new national security priority: taxing Internet sales

Nov 12, 2013…Wait, what? Yes, according to rumblings on Capitol Hill, Sen. Dick Durbin, D-Ill., will once again attempt to attach the Reid-Durbin-Obama Internet sales tax bill known as the Marketplace …

http://www.rstreet.org/2013/11/12/hot-new-national-security-priority-taxing-internet-sales/

Salam talks ‘sketching rebellion’ with artist Molly Crabapple

Nov 11, 2013…Over at the VICE Podcast, R Street Senior Fellow Reihan Salam sits down with artist Molly Crabapple to discuss her work, much of which deals with subcultures and …

http://www.rstreet.org/2013/11/11/salam-talks-sketching-rebellion-with-artist-molly-crabapple/

Sarvis gave Republicans their key to victory

…A few weeks back, I noted that libertarians were turning to Robert Sarvis over Ken Cuccinelli due to a combination of historical resentment from the Bush era, and hard political …

http://www.rstreet.org/2013/11/11/sarvis-gave-republicans-their-key-to-victory/

Words alone won’t draw foreign investment

…At least when it suits him, President Barack Obama proves himself more than willing to welcome international business to the United States. In late October, for example, he …

http://www.rstreet.org/2013/11/11/words-alone-wont-draw-foreign-investment/

Common sense solution for indoor vaping

Nov 8, 2013…E-cigarettes are gaining traction as legitimate harm-reduction alternatives for cigarette smokers, but one nagging question persists: should vaping be permitted in interior public spaces? With few exceptions, indoor smoking …

http://www.rstreet.org/2013/11/08/common-sense-solution-for-indoor-vaping/

Consumers deserve open ticket markets

Nov 7, 2013…Like most Americans, I enjoy attending live entertainment events. But also like most Americans, I find the complex world of online ticket sales as user-friendly as the Healthcare.gov …

http://www.rstreet.org/2013/11/07/consumers-deserve-open-ticket-markets/

Does the right need to call a ceasefire on the safety net?

…American Enterprise Institute President Arthur Brooks recently claimed the right needs to declare a ceasefire on the safety net, a controversial statement for the leader of what is …

http://www.rstreet.org/2013/11/07/does-the-right-need-to-call-a-ceasefire-on-the-safety-net/

Why scalping opponents are losing their heads

Nov 6, 2013…When one thinks of ticket scalpers, one generally conjures a mental image of shady men waiting outside theaters offering scandalously overpriced tickets to late buyers from under several …

http://www.rstreet.org/2013/11/06/why-scalping-opponents-are-losing-their-heads/

Is the ‘Northern Strategy’ replacing the ‘Southern Strategy?’

Nov 5, 2013…Today, if polls are any guide, two events are at least likely: First, we can probably say with absolute certainty that Chris Christie will be reelected governor of …

http://www.rstreet.org/2013/11/05/is-the-northern-strategy-replacing-the-southern-strategy/

Salam with Kleiman on crime and punishment

Nov 4, 2013…Over at the VICE Podcast, R Street Senior Fellow Reihan Salam interviews Mark Kleiman of the University of California-Los Angeles, author of the book When Brute Force Fails. …

http://www.rstreet.org/2013/11/04/salam-with-kleiman-on-crime-and-punishment/

Noonan: Insurers can cover terrorism privately

…A poll released last week by the Risk and Insurance Management Society -- the trade association for risk managers of corporations, non-profits and local government agencies, who together …

http://www.rstreet.org/2013/11/04/noonan-insurers-can-cover-terrorism-privately/

About those ‘huge’ flood insurance rate increases

…Recent news reports on the roll-out of reforms to the National Flood Insurance Program have focused on astronomical increases in rates faced by some home and business owners. …

http://www.rstreet.org/2013/11/04/about-those-huge-flood-insurance-rate-increases/

R Street’s morning round-up for Nov. 4, 2013

… Chairman Lucas says farm bill conference schedule still up in the air: Lubbock Avalanche-Journal How Florida Citizens' new clearinghouse will work: Sun-Sentinel Commercial real estate market starting to get spooked …

http://www.rstreet.org/2013/11/04/r-streets-morning-round-up-for-nov-4-2013/

The scientific evidence for e-cigarettes

Nov 1, 2013…I am honored to join Drs. Riccardo Polosa and Pasquale Caponnetto and their colleagues at the University of Catania in Italy as a coauthor of a new scientific …

http://www.rstreet.org/2013/11/01/the-scientific-evidence-for-e-cigarettes/

R Street’s morning round-up for Nov. 1, 2013

… Michigan auto reform is a must: Michigan Capitol Confidential Tea party groups targeting ending federal terror backstop: The Hill Cleveland's catalog king says Internet sales tax would kill his business: …

http://www.rstreet.org/2013/11/01/r-streets-morning-round-up-for-nov-1-2013/

What does it take to be a federally subsidized ‘farm manager’?

Oct 31, 2013…I've written before on one of the more egregious aspects of federal farm payments, namely that they frequently go to those who aren't actually farming. I last wrote …

http://www.rstreet.org/2013/10/31/what-does-it-take-to-be-a-federally-subsidized-farm-manager/

What would Buckley do?

…In the ongoing dust-up over tactics currently dominating conservative sites – turning former comrades against each other and causing many consternation about the fate of the GOP – …

http://www.rstreet.org/2013/10/31/what-would-buckley-do/

National Review Institute is accepting applications for 2013-14 fellows

Oct 29, 2013…The National Review Institute is accepting applications for their 2013-14 class of fellows. As a fellow from the 2012-13 class, I highly recommend the program to conservatives of …

http://www.rstreet.org/2013/10/29/national-review-institute-is-accepting-applications-for-2013-14-fellows/

UK market offers hints on how insurers may treat e-cigarettes

…For several years now now, a lot of people involved with insurance—me included —have been puzzling out the ways that new tobacco products like e-cigarettes and snus might impact …

http://www.rstreet.org/2013/10/29/uk-market-offers-hints-on-how-insurers-may-treat-e-cigarettes/

Salam on whether unpaid internships should be legal

…R Street Senior Fellow Reihan Salam recently joined political commentator Stephanie Miller and Mediaite's Joe Concha to discuss unpaid White House internships on CNN's Erin Burnett OutFront. …

http://www.rstreet.org/2013/10/29/salam-on-whether-unpaid-internships-should-be-legal/

Why libertarians won’t vote for Cuccinelli

…Next week, voters in Virginia will go to the polls to choose the next governor of their state, and if current forecasts are any guide, it will be …

http://www.rstreet.org/2013/10/29/why-libertarians-wont-vote-for-cuccinelli/

Huzzah! Europeans have purchased our brewery!

Oct 25, 2013…To listen to some of my beer snob friends talk, Belgium invaded Kansas this month. Figuratively, of course—the Belgians have not been serious aggressors since the times of …

http://www.rstreet.org/2013/10/25/huzzah-europeans-have-purchased-our-brewery/

Don’t let them delay it

Oct 24, 2013…What did I tell you? Barely a week after the most pointless show of political muscle since 1995, Democrats are now starting to think about delaying Obamacare, after …

http://www.rstreet.org/2013/10/24/dont-let-them-delay-it/

A directory of tobacco harm reduction experts for inquiring media

…Mass media are in complete denial of the voluminous scientific literature supporting e-cigarettes as harm-reduction products.  A recent report on National Public Radio is representative.  The host set …

http://www.rstreet.org/2013/10/24/a-directory-of-tobacco-harm-reduction-experts-for-inquiring-media/

R Street’s morning round-up for Oct. 24, 2013

… Chris Christie says climate change is real, human activity plays a part: New Jersey Gubernatorial Debate Private management could make the national parks a source of revenue, instead of …

http://www.rstreet.org/2013/10/24/r-streets-morning-round-up-for-oct-24-2013/

‘Moral hazard’ isn’t a good reason to end TRIA

Oct 23, 2013…My friend Mark Calabria at the Cato Institute has a good piece in Roll Call that makes the case for allowing the Terrorism Risk Insurance Program to lapse. …

http://www.rstreet.org/2013/10/23/moral-hazard-isnt-a-good-reason-to-end-tria/

R Street’s morning round-up for Oct. 23, 2013

… North Carolina ranks at the bottom in availability of common insurance discounts: CNBC Despite flood, wind insurance reforms, Florida real estate market continues to boom: Sun-Sentinel American Farmland Trust urges …

http://www.rstreet.org/2013/10/23/r-streets-morning-round-up-for-oct-23-2013/

GOP goes back to the future

Oct 22, 2013…Following the unmitigated political disaster that was the two-week government shutdown, there has been a heartening rise in the number of people on the right speaking out against …

http://www.rstreet.org/2013/10/22/gop-goes-back-to-the-future/

R Street’s morning round-up for Oct. 22, 2013

… Michigan lawmakers renew talks on no-fault reform: MLive.com Credit unions worried new lending rules will slow mortgage market: The Hill Shale gas boom may not do much for climate change: …

http://www.rstreet.org/2013/10/22/r-streets-morning-round-up-for-oct-22-2013/

R Street’s morning round-up for Oct. 21, 2013

Oct 21, 2013… RFF paper estimates $30/ton carbon tax would reduce emissions 16% by 2025: Resources for the Future Prudential drops fight against systemic risk tag: Bloomberg Global urbanization raises natural disaster risks: …

http://www.rstreet.org/2013/10/21/r-streets-morning-round-up-for-oct-21-2013/

Georgia Republicans to the poor: ‘We can’t hear you now’

Oct 18, 2013…If you want to reduce fraud and abuse in a government program, you can figure out the sources and experiment with reasonable solutions. Or you can do what …

http://www.rstreet.org/2013/10/18/georgia-republicans-to-the-poor-we-cant-hear-you-now/

The lost opportunity for ‘Grace’

Oct 17, 2013…In 1982, President Ronald Reagan initiated a two-year effort to ask thousands of businesses and associations to help his administration root out inefficiencies in the federal government. This …

http://www.rstreet.org/2013/10/17/the-lost-opportunity-for-grace/

Five lessons from the shutdown

…On Wednesday night, a miracle happened. Not only did the country avoid default on its debt and reopen the government at the same time, but it did so …

http://www.rstreet.org/2013/10/17/five-lessons-from-the-shutdown/

R Street’s morning round-up for Oct. 17, 2013

… NAIC releases proposed 2014 budget: NAIC Projected deficits are all about health care: Washington Monthly Obamacare sign-ups are way behind schedule: Associated Press S&P says the shutdown cost the economy $24 …

http://www.rstreet.org/2013/10/17/r-streets-morning-round-up-for-oct-17-2013/

Good news for Amtrak? Not so fast (just like their wifi)

Oct 16, 2013…I'm a big fan of train travel in the Northeast, at least relative to the other options. I've never understood people who fly between DC and New York …

http://www.rstreet.org/2013/10/16/good-news-for-amtrak-not-so-fast-just-like-their-wifi/

Why do we invest in infrastructure?

…Katrina vanden Heuvel engages in a fun bout of meta-trolling in the hometown paper this morning, arguing that Democrats have already compromised so much that Republicans have basically …

http://www.rstreet.org/2013/10/16/infrastructure-jobs/

R Street’s morning round-up for Oct. 16, 2013

… Supreme Court will hear challenge to EPA emissions rules: New York Times Texas wind pool claims trial judge is rushing litigation: Law360 The copyright reforms Congress should be considering: Daily …

http://www.rstreet.org/2013/10/16/r-streets-morning-round-up-for-oct-16-2013/

The GOP’s ‘moral’ hazard

Oct 15, 2013…In just a couple of days, it is quite possible that the impasse which has gripped Washington's divided government may have another casualty -- that is, the United …

http://www.rstreet.org/2013/10/15/the-gops-moral-hazard/

R Street’s morning round-up for Oct. 15, 2013

… Boehner, McConnell poll their respective caucuses on debt ceiling/shutdown proposals:Politico Feds want banks to accept private flood insurance: Tampa Bay Times Study finds Michigan auto insurers pay too much for …

http://www.rstreet.org/2013/10/15/r-streets-morning-round-up-for-oct-15-2013/

Federalism, immigration and deciding who can practice law

Oct 14, 2013…Federalism is a theory of balance. The American system disperses power over fifty states, some much larger number of localities and the federal government. The idea of federalism …

http://www.rstreet.org/2013/10/14/federalism-immigration-and-deciding-who-can-practice-law/

R Street’s morning round-up for Oct. 14, 2013

… Should Florida create its own flood insurance program?: Palm Beach Post Obamacare deductibles may cause sticker shock: Chicago Tribune A.M. Best urges insurers to prepare for life after TRIA: Insurance …

http://www.rstreet.org/2013/10/14/r-streets-morning-round-up-for-oct-14-2013/

The hazards of hookah

Oct 11, 2013…One of the hot trends in tobacco use is waterpipe smoking (the terms hookah, narghile or shisha are also used). Hookah bars are located throughout the United States, …

http://www.rstreet.org/2013/10/11/the-hazards-of-hookah/

Supreme Court takes another look at the takings clause

…In good news for property rights, the Supreme Court granted cert this term to hear a case about a kind of abuse that has been festering for nearly …

http://www.rstreet.org/2013/10/11/supreme-court-takes-another-look-at-the-takings-clause/

Let them eat care

…Last week, Obamacare's exchanges opened. Not that you'd know, given that they have remained inaccessible ever since. Almost as inaccessible as a decent excuse by which the GOP …

http://www.rstreet.org/2013/10/11/let-them-eat-care/

PATRIOT Act author introduces measure to end NSA bulk data collection

…Rep. James Sensenbrenner, R-Wis., the author and primary sponsor of the USA PATRIOT Act, announced Wednesday that he would introduce legislation, the USA FREEDOM Act, to end the …

http://www.rstreet.org/2013/10/11/patriot-act-author-introduces-measure-to-end-nsa-bulk-data-collection/

Set campaign finance free

…The First Amendment protects assembly, speech and the resources that make speech possible. Yet the rules governing political speech in the United States are fraught with limits, red …

http://www.rstreet.org/2013/10/11/set-campaign-finance-free/

R Street’s morning round-up for Oct. 11, 2013

… Study offers climate change clock: Washington Post Coastal homeowners underestimate storm risks: Houston Chronicle Who pays to build on the Conn. coast?: Connecticut Mirror 20 years ago, only 20% of farmers …

http://www.rstreet.org/2013/10/11/r-streets-morning-round-up-for-oct-11-2013/

R Street’s morning round-up for Oct. 10, 2013

Oct 10, 2013… House GOP proposes six-week debt hike: Politico Report finds carbon tax the most cost-efficient climate policy: OECD Farm Bureau drops support for conservation compliance: House Agriculture Committee Florida Gov. Rick Scott …

http://www.rstreet.org/2013/10/10/r-streets-morning-round-up-for-oct-10-2013/

R Street’s morning round-up for Oct. 9, 2013

Oct 9, 2013… Janet Yellen nominated to be first female Fed chair: New York Times Florida attempts to lure private insurers to write flood insurance in the state: Miami Herald Internet sales tax …

http://www.rstreet.org/2013/10/09/r-streets-morning-round-up-for-oct-9-2013/

Debt ceiling breach could leave markets not enough debt to go around

Oct 8, 2013…In recent weeks, public discourse here inside the Beltway (and on Wall Street, and within various other corridors of power near and far) has focused on the need …

http://www.rstreet.org/2013/10/08/debt-ceiling-breach-could-leave-markets-not-enough-debt-to-go-around/

Sanders on the future of conservatism

…R Street Outreach Director and Policy Analyst Lori Sanders took part last month in a panel sponsored by the Future 500 on the future of conservatism. Moderated by …

http://www.rstreet.org/2013/10/08/sanders-on-the-future-of-conservatism/

Salam talks with director of Let the Fire Burn

…Over at the Vice Podcast, R Street Senior Fellow Reihan Salam chats this week with Jason Osder, director of the new documentary Let the Fire Burn. Comprised of …

http://www.rstreet.org/2013/10/08/salam-talks-with-director-of-let-the-fire-burn/

R Street’s morning round-up for Oct. 8, 2013

… Yes, debt prioritization is possible: Felix Salmon Halloween might be the "real" debt ceiling deadline: The Hill Salmonella outbreak emerges while CDC staff on furlough: Wired No consensus among Open Markets …

http://www.rstreet.org/2013/10/08/r-streets-morning-round-up-for-oct-8-2013/

Gilles and Lund on firearm liability insurance mandates

Oct 7, 2013…The cover story in this quarter's edition of Regulation is a fascinating article by Stephen G. Gilles and Nelson Lund looking at the possible constitutional ramifications of mandatory …

http://www.rstreet.org/2013/10/07/cato-regulation-firearm-insurance/

R Street’s morning round-up for Oct. 7, 2013

… International property owners benefit big from Florida insurance subsidies: Florida Current Storm formerly known as Hurricane Karen makes landfall as a weak tropical depression: Bloomberg What is America's most libertarian …

http://www.rstreet.org/2013/10/07/r-streets-morning-round-up-for-oct-7-2013/

The e-cigarette as ‘genuine competitor’ – Czech survey

Oct 4, 2013…A survey of smokers in the Czech Republic shows that e-cigarettes "may develop into a genuine competitor to conventional cigarettes." The lead author of the study, which was …

http://www.rstreet.org/2013/10/04/the-e-cigarette-as-genuine-competitor-czech-survey/

R Street’s morning round-up for Oct. 4, 2013

… Tropical Storm Karen prepares to soak Gulf Coast: Reuters Hank Paulson and Mike Bloomberg on climate change: Washington Post Rep. Royce again questioning NAIC's authority: PropertyCasualty360 Betting market suggests the shutdown …

http://www.rstreet.org/2013/10/04/r-streets-morning-round-up-for-oct-4-2013/

Centennial Institute on Renewable Portfolio Standards

Oct 3, 2013…Renewable Portfolio Standards are policies that mandate electricity producers generate certain percentages of their power from renewable standards. As of 2012, 30 states had RPS mandates and another …

http://www.rstreet.org/2013/10/03/centennial-institute-on-renewable-portfolio-standards/

Bill would take the Florida Cat Fund in the wrong direction

…Florida state Sen. Jeremy Ring, D-Margate, has filed Senate Bill 228 to maintain the current statutory requirement that the state-run Florida Hurricane Catastrophe Fund, better known as the …

http://www.rstreet.org/2013/10/03/bill-would-take-the-florida-cat-fund-in-the-wrong-direction/

R Street’s morning round-up for Oct. 3, 2013

… Tropical Storm Karen likely to hit Gulf Coast this weekend: National Hurricane Center Harry Reid offers to talk tax reform is GOP ends shutdown: The Hill The role of personal …

http://www.rstreet.org/2013/10/03/r-streets-morning-round-up-for-oct-3-2013/

A reminder: credit unions didn’t cause the financial crisis

Oct 2, 2013…The past several weeks have seen the fifth anniversaries of several of the epic failures of the 2008 financial crisis. There was the conservatorship of Fannie Mae and …

http://www.rstreet.org/2013/10/02/a-reminder-credit-unions-didnt-cause-the-financial-crisis/

R Street’s morning round-up for Oct. 2, 2013

… The hard math of flood insurance in a warming world: Time Supreme Court will decide whether it should be easier for patent suit defendants to collect attorneys fees: Bloomberg Harry …

http://www.rstreet.org/2013/10/02/r-streets-morning-round-up-for-oct-2-2013/

Stop trying to fix Obamacare

Oct 1, 2013…Yesterday, the Twitter feed of fictional House of Cards main character (and House Majority Whip) Francis Underwood offered this gem of wisdom: Never interrupt your enemies when they are …

http://www.rstreet.org/2013/10/01/stop-trying-to-fix-obamacare/

What happens when the government shuts down…

…There's a lot of wailing and gnashing of teeth about the government shutdown that started today. Democrats in both chambers of Congress have been complaining about how it …

http://www.rstreet.org/2013/10/01/what-happens-when-the-government-shuts-down/

R Street’s morning round-up for Oct. 1, 2013

… Federal government shuts down for the first time since 1996: Washington Post Property/casualty industry optimistic about renewing terrorism backstop: Insurance Insider Could the debt ceiling crisis become a financial crisis?: …

http://www.rstreet.org/2013/10/01/r-streets-morning-round-up-for-oct-1-2013/

CNN poll: 57% oppose Obamacare, GOP gets blame for government shutdown

…Opposition to Obamacare has hit its highest level since March 2011, according to the latest CNN poll, but Americans place the blame for the government shutdown largely on …

http://www.rstreet.org/2013/10/01/cnn-poll-57-oppose-obamacare-gop-gets-blame-for-government-shutdown/

R Street’s morning round-up for Sept. 30, 2013

Sep 30, 2013… Stocks slide ahead of likely government shut-down: The Hill Take-out numbers for Florida Citizens are disappointing: Miami Herald What conservatives can teach environmentalists about global warming policy: The Breakthrough Institute Michigan …

http://www.rstreet.org/2013/09/30/r-streets-morning-round-up-for-sept-30-2013/

Sept. 24 telepresser on flood insurance

Sep 27, 2013…Our friends at the Union of Concerned Scientists, who recently published a fascinating report on how climate change and rising sea levels could impact the flood insurance, held …

http://www.rstreet.org/2013/09/27/sept-24-telepresser-on-flood-insurance/

Snus saving Swedish smokers’ lives as tobacco consumption declines

…New research confirms earlier findings demonstrating that widespread snus use is tied to reduced rates of smoking. A decade ago I worked with scientists from Sweden's Umeå University to …

http://www.rstreet.org/2013/09/27/snus-saving-swedish-smokers-lives-as-tobacco-consumption-declines/

R Street’s morning round-up for Sept. 27, 2013

… The FHA may be next in line for a bailout: Reuters Farm bill conferees expected to be named in October: Quincy Journal Florida's insurance consumer advocate quits: Sun-Sentinel Internet sales tax …

http://www.rstreet.org/2013/09/27/r-streets-morning-round-up-for-sept-27-2013/

In childhood obesity battle, BMI-tracking by schools is losing policy

Sep 25, 2013…As schools around the country wrap up their first month back in session, parents soon may start receiving the first reports on how their children are shaping up …

http://www.rstreet.org/2013/09/25/in-childhood-obesity-battle-bmi-tracking-by-schools-is-losing-policy/

R Street’s morning round-up for Sept. 25, 2013

… Treasury says federal debt limit will be reached by Oct. 17: Politico Florida Senate insurance panel chair wants to bar out-of-staters from Citizens: Sunshine State News France unveils plans for …

http://www.rstreet.org/2013/09/25/r-streets-morning-round-up-for-sept-25-2013/

Why I am not a libertarian populist

Sep 24, 2013…"You have the courage to tell the masses what no politician told them: you are inferior and all the improvements in your condition which you simply take for …

http://www.rstreet.org/2013/09/24/why-i-am-not-a-libertarian-populist/

The conservative case against flood insurance

Sep 23, 2013…In the recent Hammer Horror film The Woman in Black, lawyer Arthur Kipps (played by erstwhile Harry Potter star Daniel Radcliffe) undertakes the project of sorting through the possessions of …

http://www.rstreet.org/2013/09/23/the-conservative-case-against-flood-insurance/

R Street’s morning round-up for Sept. 23, 2013

… One year after Biggert-Waters, flood reforms must be protected: Taxpayers for Common Sense New dams aren't the way to address Washington state's water needs: Everett Herald DeMarco, Woodall voted against …

http://www.rstreet.org/2013/09/23/r-streets-morning-round-up-for-sept-23-2013/

A Royall legacy

Sep 20, 2013…Two hundred and twenty-six years ago this week, two prominent citizens and a 30-year-old represented the people of North Carolina by signing what has come to be the …

http://www.rstreet.org/2013/09/20/a-royall-legacy/

Lehmann on farm policy’s impact on duck hunting

…R Street Senior Fellow R.J. Lehmann sat down this week with our friend Steve Stanek of the Heartland Institute to discuss his recent paper on U.S. Department of …

http://www.rstreet.org/2013/09/20/lehmann-on-farm-policys-impact-on-duck-hunting/

Goodlatte’s principles help reset Internet sales tax debate

…House Judiciary Committee Chairman Bob Goodlatte, R-Va., released his long-awaited Basic Principles on Remote Sales Tax yesterday. In seven commendably brief points, Goodlatte lays out the most important …

http://www.rstreet.org/2013/09/20/goodlattes-principles-help-reset-internet-sales-tax-debate/

Nicotine safety

Sep 19, 2013…I have asserted for some 20 years that nicotine, while addictive, is otherwise without significant adverse health effects outside of pregnancy. It is, in other words, safe to …

http://www.rstreet.org/2013/09/19/nicotine-safety/

R Street’s morning round-up for Sept. 19, 2013

… The Fed doesn't start tapering its QE program just yet: Federal Reserve South Carolina attorney general says health insurance exchanges are data security nightmare: The State Aon study suggests 85% …

http://www.rstreet.org/2013/09/19/r-streets-morning-round-up-for-sept-19-2013/

R Street’s morning round-up for Sept. 18, 2013

Sep 18, 2013… Mississippi insurance commissioner sues over flood insurance increases: PropertyCasualty360 House will vote on budget resolution that defunds Obamacare: National Review State insurance regulators invoke Jeffersonian ideals in showdown with feds: …

http://www.rstreet.org/2013/09/18/r-streets-morning-round-up-for-sept-18-2013/

There is reason to feel optimistic on this Constitution Day

Sep 17, 2013…Back in 2004, Congress passed an amendment offered by the late Sen. Robert Byrd, D-W.Va., to an omnibus spending bill to commemorate the signing of the Constitution and …

http://www.rstreet.org/2013/09/17/there-is-reason-to-feel-optimistic-on-this-constitution-day/

R Street’s morning round-up for Sept. 17, 2013

… The case against rebuilding the coast after Superstorm Sandy: The Atlantic Rep. Linda Sanchez stands up for credit union tax exemption: Credit Union Times Global temperatures over the last 11,000 …

http://www.rstreet.org/2013/09/17/r-streets-morning-round-up-for-sept-17-2013/

R Street’s morning round-up for Sept. 16, 2013

Sep 16, 2013… State Rep. Bill Hager says Florida Citizens should drop out-of-state policyholders: News Service of Florida E-cigarettes could surpass regular tobacco's revenue by 2021: Winston-Salem Journal Texas lawmakers plan to revisit …

http://www.rstreet.org/2013/09/16/r-streets-morning-round-up-for-sept-16-2013/

Marketplace Fairness Act: bad policy, REALLY bad politics

…A new poll released last week by the R Street Institute and National Taxpayers Union found strong opposition across the board to new Internet sales tax legislation like the so-called …

http://www.rstreet.org/2013/09/16/marketplace-fairness-act-bad-policy-really-bad-politics/

Facebook CEO: NSA spying hurting online businesses

Sep 13, 2013…The National Security Agency's broad surveillance programs aren't just bad for Americans' privacy, they're also bad for business. That's what Facebook CEO Mark Zuckerberg — a guy who …

http://www.rstreet.org/2013/09/13/facebook-ceo-nsa-spying-hurting-online-businesses/

R Street’s morning round-up for Sept. 13, 2013

… Texas wind pool rates will rise again in January: Insurance Journal Health insurers creating retail presence: USA Today National Capital Planning Commission still timid about D.C.'s Height Act: Matt Yglecias Economists …

http://www.rstreet.org/2013/09/13/r-streets-morning-round-up-for-sept-13-2013/

Clinical trial shows e-cigarettes as good as the patch to quit smoking

Sep 12, 2013…Newly published research shows that e-cigarettes are about as effective as nicotine patches in helping smokers quit. That should (but won't) silence critics who insist that e-cigarettes are …

http://www.rstreet.org/2013/09/12/clinical-trial-shows-e-cigarettes-as-good-as-the-patch-to-quit-smoking/

R Street’s morning round-up for Sept. 12, 2013

… The insurance and liability issues of driverless cars: Megan McArdle The law that gave us the modern Internet, and the campaign to kill it: Derek Khanna Economist warns farmers not …

http://www.rstreet.org/2013/09/12/r-streets-morning-round-up-for-sept-12-2013/

TRIA: To extend or not to extend

Sep 11, 2013…Just in time for the 12th anniversary of the Sept. 11 terrorist attacks, our friends at the Cato Institute have published an interesting new report that calls for …

http://www.rstreet.org/2013/09/11/tria-to-extend-or-not-to-extend/

Join R Street’s Lori Sanders for a panel on the government’s role in social norms

…What should be the role of government in creating and influencing social norms? In recent years, the movement for so-called "libertarian paternalism" has taken off to incorporate social …

http://www.rstreet.org/2013/09/11/join-r-streets-lori-sanders-for-a-panel-on-the-governments-role-in-social-norms/

R Street’s morning round-up for Sept. 11, 2013

… Counting the social cost of carbon: New York Times Time to end the Terrorism Risk Insurance Act: Cato Institute Was climate change one of the causes of the Syrian conflict?: …

http://www.rstreet.org/2013/09/11/r-streets-morning-round-up-for-sept-11-2013/

Urban ‘farmers’ reap taxpayer dough

Sep 10, 2013…Many pundits and analysts have framed the farm bill, with its ever-growing spending on farm programs and nutritional assistance (or SNAP, previously known as "food stamps") to be …

http://www.rstreet.org/2013/09/10/urban-farmers-reap-taxpayer-dough/

R Street’s morning round-up for Sept. 10, 2013

… Tropical Storm Humberto could become season's first hurricane: NOAA Five years later, the Texas wind pool still hasn't recovered from Hurricane Ike: Your Houston News Business economists project 3% growth …

http://www.rstreet.org/2013/09/10/r-streets-morning-round-up-for-sept-10-2013/

Enhanced encryption could throw a wrench in NSA mass surveillance

Sep 9, 2013…Craig Timberg at the Washington Post has an important story on efforts to keep online communications and user data safe from the prying eyes of Uncle Sam. Timberg …

http://www.rstreet.org/2013/09/09/better-encryption-could-throw-a-wrench-in-nsa-mass-surveillance/

Join Reihan Salam at the Eagleton Institute

…R Street Institute Senior Fellow Reihan Salam will be on hand Wednesday, Nov. 13 to offer a lecture and discussion on American conservatism at Rutgers University's Eagleton Institute …

http://www.rstreet.org/2013/09/09/join-reihan-salam-at-the-eagleton-institute/

R Street’s morning round-up for Sept. 9, 2013

… Once Congress moves past Syria crisis, farm bill looms: National Journal Amazon paying Patton Boggs $50,000 per month to lobby for Internet sales tax: Yakima Herald Credit unions fight back …

http://www.rstreet.org/2013/09/09/r-streets-morning-round-up-for-sept-9-2013/

Irresponsible e-cigarette theatrics from federal officials

Sep 6, 2013…The anti-tobacco movement continues to ignore evidence that millions worldwide have switched from smoke to vapor.  Witness yesterday's press release from the Centers for Disease Control and Prevention: …

http://www.rstreet.org/2013/09/06/irresponsible-e-cigarette-theatrics-from-federal-officials/

R Street’s morning update for Sept. 6, 2013

… Ronald Coase's legacy for free-market environmentalism: PERC A timetable for Obama's greenhouse gas regulation: Bloomberg Law Farm bill mired in debate over conservation compliance for crop insurance: Farm Journal Four finalists …

http://www.rstreet.org/2013/09/06/r-streets-morning-update-for-sept-6-2013/

How can vouchers ‘threaten’ an education system this bad?

Sep 5, 2013…Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the …

http://www.rstreet.org/2013/09/05/how-can-vouchers-threaten-an-education-system-this-bad/

R Street’s morning round-up for Sept. 5, 2013

… Self-driving cars could be on the road by 2020: Associated Press Panel schedules Sept. 19 hearing on terrorism insurance: House Financial Services Committee The decline of Republican environmentalism: Boston Globe Millionaires …

http://www.rstreet.org/2013/09/05/r-streets-morning-round-up-for-sept-5-2013/

Michigan bill says no credit score should be no factor in insurance discounts

Sep 4, 2013…The use of credit scores for insurance purposes has been a controversy for years in Michigan. The debate appeared to be settled in 2010 when the Michigan Supreme …

http://www.rstreet.org/2013/09/04/michigan-bill-says-no-credit-score-should-be-no-factor-in-insurance-discounts/

R Street’s morning round-up for Sept. 4, 2013

… Michigan's no-fault auto insurance system is bad news for seniors: Lansing State Journal S&P claims fraud lawsuit is retaliation for downgrading U.S. government debt: Reuters James Pethokoukis on whether a …

http://www.rstreet.org/2013/09/04/r-streets-morning-round-up-for-sept-4-2013/

Should ‘under God’ be removed from the Pledge of Allegiance?

Sep 3, 2013…R Street Senior Fellow Reihan Salam joins Dean Obeidallah and CNN's Erin Burnett to discuss the latest court challenge. …

http://www.rstreet.org/2013/09/03/should-under-god-be-removed-from-the-pledge-of-allegiance/

R Street’s morning round-up for Sept. 3, 2013

… Sales tax bill is unfair to online retailers: Arizona Republic Choked by smog, China beginning to look at carbon limits: New York Times Global reinsurance capital tops $510 billion: Aon …

http://www.rstreet.org/2013/09/03/r-streets-morning-round-up-for-sept-3-2013/

R Street’s morning round-up for Sept. 2, 2013

Sep 2, 2013… Greg Mankiw proposes a carbon tax America can live with: New York Times Florida Citizens prepares take-outs of 400,000 policies ahead of new clearinghouse: Orlando Sentinel Amazon now collecting sales …

http://www.rstreet.org/2013/09/02/r-streets-morning-round-up-for-sept-2-2013/

Measuring smokers’ preferences for smokeless tobacco products

Aug 30, 2013…Most of America's 45 million smokers have never considered switching to a smokeless tobacco product.  They have plenty of options, but we have little information about smokers' product …

http://www.rstreet.org/2013/08/30/measuring-smokers-preferences-for-smokeless-tobacco-products/

R Street’s Andrew Moylan on the Gary Nolan Show

…Talk show host and erstwhile candidate for the Libertarian Party's presidential nomination Gary Nolan -- syndicated by 93.9 The Eagle in Columbia, Mo. -- caught up with our …

http://www.rstreet.org/2013/08/30/r-streets-andrew-moylan-on-the-gary-nolan-show/

Twitter town hall on Pentagon #spendingreform

…A transcript of our recent Twitter town hall on reforms to Pentagon spending: @gabriellahopem Join us for a Twitter town hall on reforming Pentagon spending today at 12:00 ET. …

http://www.rstreet.org/2013/08/30/twitter-town-hall-on-pentagon-spendingreform/

August recess closes without closure on farm bill front

…August is the one time the concerns of outside-the-beltway Americans are heard consistently in Washington, as major news outlets relay messages from congressional town hall meetings across the …

http://www.rstreet.org/2013/08/30/august-recess-closes-without-closure-on-farm-bill-front/

R Street’s morning round-up for Aug. 30, 2013

… Scholars propose voucher-loan program for flood mitigation: Wharton It doesn't appear Obamacare will raise premiums all that much: Bloomberg Texas wind pool won't assess its member companies, for now: Insurance …

http://www.rstreet.org/2013/08/30/r-streets-morning-round-up-for-aug-30-2013/

R Street’s morning round-up for Aug. 29, 2013

Aug 29, 2013… Iowa corn growers debate conservation compliance: Iowa Farmer Today Walter Olson on why Slate's Allison Benedikt is a bad person: Overlawyered Why the credit union tax exemption has merit: American …

http://www.rstreet.org/2013/08/29/r-streets-morning-round-up-for-aug-29-2013/

R Street’s morning round-up for Aug. 28, 2013

Aug 28, 2013… NRDC report finds crop insurance creating destructive incentives for farmers: Environmental Working Group Sen. Landrieu sees the upside of cyber-war: Hot Air How climate change is bad for business: New …

http://www.rstreet.org/2013/08/28/r-streets-morning-round-up-for-aug-28-2013/

R Street’s morning round-up for Aug. 27, 2013

Aug 27, 2013… A carbon tax should replace ethanol mandates: Washington Post D.C. insurance chief pushes tax-free catastrophe reserving plan: PropertyCasualty360 350 Action proposes naming hurricanes after climate change deniers: BuzzFeed Texas effectively bans …

http://www.rstreet.org/2013/08/27/r-streets-morning-round-up-for-aug-27-2013/

Five things about the NSA saga you may have missed

…It has not been a good couple of weeks for the National Security Agency. Numerous details have emerged about the agency's spying "data acquisition" programs, and there's also …

http://www.rstreet.org/2013/08/27/five-things-about-the-nsa-saga-you-may-have-missed/

Preserving natural beauty, encouraging economic growth

Aug 26, 2013…One of the greatest things about America is her natural beauty. From the peaks of the Rockies to the lowlands of the Great Plains, to the eastern and …

http://www.rstreet.org/2013/08/26/preserving-natural-beauty-encouraging-economic-growth/

R Street’s morning round-up for Aug. 26, 2013

… Ten U.S. cities safest from natural disasters: CBS MoneyWatch Travelers Insurance drops out of NFIP's Write Your Own program: Insurance Journal Rep. Peterson says final farm bill could have $6-8 …

http://www.rstreet.org/2013/08/26/r-streets-morning-round-up-for-aug-26-2013/

Obamacare will cost Delta Air Lines $100 million

Aug 23, 2013…Delta Air Lines sent a letter to the Obama Administration in June warning them that the mandates and taxes in Obamacare will cost the company $100 million. The letter, …

http://www.rstreet.org/2013/08/23/obamacare-will-cost-delta-air-lines-100-million/

R Street’s morning round-up for Aug. 23, 2013

… North Carolina makes it illegal to consider projections of rising sea levels in any state policy: ABC News North Carolina also joined Louisiana as hurricane-prone states that have weakened …

http://www.rstreet.org/2013/08/23/r-streets-morning-round-up-for-aug-23-2013/

North Carolina consumers confronted with ‘Consent to Rate’

Aug 22, 2013…WFMY-TV in Greensboro, N.C. reports on a common problem facing North Carolina consumers: the arrival of letters from one's home or auto insurer requesting to raise rates above …

http://www.rstreet.org/2013/08/22/north-carolina-consumers-confronted-with-consent-to-rate/

Join R Street’s Andrew Moylan Aug. 28 for a Twitter ‘town hall’ on defense spending

…Right on Defense will host a Twitter town hall on wasteful spending in the bloated $600 billion Pentagon budget, featuring Steve Ellis of Taxpayers for Common Sense and …

http://www.rstreet.org/2013/08/22/join-r-streets-andrew-moylan-aug-28-for-a-twitter-town-hall-on-defense-spending/

The tainted legacy of tobacco prohibitionism

…On Aug. 19, David Abrams and Julia Cartwright wrote an article for the Huffington Post entitled "What's wrong with this picture?" Alas, Dr. Abrams and Ms. Cartwright are …

http://www.rstreet.org/2013/08/22/the-tainted-legacy-of-tobacco-prohibitionism/

R Street’s morning round-up for Aug. 22, 2013

… Prior approval of auto insurance rates does not benefit consumers: Insurance Research Council FEMA director set to appear before Senate panel on flood insurance increases Sept. 18: PropertyCasualty360 Consumer and …

http://www.rstreet.org/2013/08/22/r-streets-morning-round-up-for-aug-22-2013/

When it comes to flood risks, population shifts trump climate change

Aug 21, 2013…Draft versions of a forthcoming working group report from the United Nations Intergovernmental Panel on Climate Change -- set to be formally released Sept. 27 -- have already …

http://www.rstreet.org/2013/08/21/when-it-comes-to-flood-risks-population-shifts-trump-climate-change/

Pociask on Florida’s missed opportunity

…Writing at the Sun-Sentinel, our friend Steve Pociask of the American Consumer Institute reminds Florida lawmakers of the opportunity they missed out on during this past legislative session …

http://www.rstreet.org/2013/08/21/pociask-on-floridas-missed-opportunity/

R Street’s morning round-up for Aug. 21, 2013

… Carbon tax versus cap-and-trade: NBER Credit union member business lending up 34% since 2008, while bank loans down 10%: Credit Union Times Small businesses face huge audit risk under the …

http://www.rstreet.org/2013/08/21/r-streets-morning-round-up-for-aug-21-2013/

D.C. Taxicab Commission should reverse course and re-legalize uberX

Aug 20, 2013…Uber recently launched their new uberX service in Washington, D.C. and immediately faced opposition from the District of Columbia Taxicab Commission. UberX is similar to Uber's black sedan …

http://www.rstreet.org/2013/08/20/d-c-taxicab-commission-should-reverse-course-and-re-legalize-uberx/

Being secure in one’s ‘papers’ in a paperless world

…If you're pulled over, can the police access your cellphone and look through it without a warrant? The Obama Administration is asking the Supreme Court to say yes, …

http://www.rstreet.org/2013/08/20/being-secure-in-ones-papers-in-a-paperless-world/

R Street’s morning round-up for Aug. 20, 2013

… Florida TaxWatch on reforms to Florida Citizens: Orlando Sentinel R Street's Reihan Salam looks at the gap between job openings and unemployment: National Review Chris Christie vetoes bill that would …

http://www.rstreet.org/2013/08/20/r-streets-morning-round-up-for-aug-20-2013/

Sanders on the conservative case to tackle poverty

Aug 19, 2013…R Street Outreach Manager Lori Sanders joins Michael Graham, host of the The Weekly Standard's podcast, to discuss her recent piece on why Republicans need to take poverty …

http://www.rstreet.org/2013/08/19/sanders-on-the-conservative-case-to-tackle-poverty/

Salam interviews Jeremy Scahill of ‘Dirty Wars’

…Over at Vice, R Street Senior Fellow Reihan Salam interviews Jeremy Scahill, national security correspondent for The Nation, about his coverage special forces operations in the Middle East, …

http://www.rstreet.org/2013/08/19/salam-interviews-jeremy-scahill-of-dirty-wars/

R Street’s morning round-up for Aug. 19, 2013

… Presidential task force urges preparation for rising seas: Associated Press Steve Ellis of Taxpayers for Common Sense on flood insurance reform: C-Span Florida Citizens' reinspection program was well-intentioned and successful: …

http://www.rstreet.org/2013/08/19/r-streets-morning-round-up-for-aug-19-2013-2/

States urged to restore Glass-Steagall

Aug 16, 2013…“The moment of truth has arrived. It is literally a choice between Glass-Steagall and mass starvation and death.”  This got my attention, and even though I thought I knew …

http://www.rstreet.org/2013/08/16/states-urged-to-restore-glass-steagall/

R Street’s morning round-up for Aug. 16, 2013

… Ryan Alexander on how Congress is trying to re-break the flood program: U.S. News Tropical Storm Erin forms in Eastern Atlantic: Business Week Heritage Action calls for one-year farm …

http://www.rstreet.org/2013/08/16/r-streets-morning-round-up-for-aug-16-2013/

Fabricating a smoking gateway

Aug 15, 2013…A Harvard School of Public Health report claims, according to Reuters, "most young people in the United States who use newer smokeless tobacco products are smoking cigarettes." In …

http://www.rstreet.org/2013/08/15/fabricating-a-smoking-gateway/

R Street’s morning round-up for Aug. 15, 2013

… More Americans moving to wildfire-prone areas: Reuters Fla. Citizens schedules hearing on proposed 7 percent rate hike: Tampa Bay Times Texas wind pool shoots down plan for $500 million of …

http://www.rstreet.org/2013/08/15/r-streets-morning-round-up-for-aug-15-2013/

R Street’s morning round-up for Aug. 14, 2013

Aug 14, 2013… Sen. Rubio doubles down on effort to pass immigration reform: The Morning Show with Preston Scott Atlantic hurricane season enters most active phase next week: Bloomberg In defense of …

http://www.rstreet.org/2013/08/14/r-streets-morning-round-up-for-aug-14-2013/

R Street’s morning round-up for Aug. 13, 2013

Aug 13, 2013… Rising sea levels should force rethink of federal flood insurance: Union of Concerned Scientists Florida Insurance Commissioner Kevin McCarty offers reinsurance primer to state CFO: PropertyCasualty360 Elon Musk unveils plan …

http://www.rstreet.org/2013/08/13/r-streets-morning-round-up-for-aug-13-2013/

R Street’s morning round-up for Aug. 12, 2013

Aug 12, 2013… Attorney General Holder wants to limit mandatory minimums for some drug offenders: Washington Post Rep. Bill Huizenga, R-Mich., makes pitch for new wilderness areas within Sleeping Bear National Lakeshore: …

http://www.rstreet.org/2013/08/12/r-streets-morning-round-up-for-aug-12-2013/

R Street’s morning round-up for Aug. 9, 2013

Aug 9, 2013… Internet sales tax co-sponsor says bill won't pass House: Norfolk Daily News Despite pairing down debt, Florida's finances still vulnerable to a hurricane: Sunshine State News Detroit finds an uncashed …

http://www.rstreet.org/2013/08/09/r-streets-morning-round-up-for-aug-9-2013/

Federal officials endorse impossibly high standard for e-cigarettes

…National Public Radio host Diane Rehm on Aug. 5 discussed "Smoking in America Today" with Dr. Tim McAfee, director of the Office of Smoking and Health at the …

http://www.rstreet.org/2013/08/09/federal-officials-endorse-impossibly-high-standard-for-e-cigarettes/

What Jeff Atwater gets wrong, and right, about Florida reinsurance

Aug 8, 2013…Yesterday, Florida Chief Financial Officer Jeff Atwater penned a letter to Insurance Commissioner Kevin McCarty inquiring why property insurance rates continue to rise even as the cost of …

http://www.rstreet.org/2013/08/08/what-jeff-atwater-gets-wrong-and-right-about-florida-reinsurance/

Gay marriage isn’t the only way conservatives can stand up for equality

…Two recent Huffington Post pieces on gay marriage at the state level highlight an interesting contrast for Republican supporters of the cause. On Monday, the outlet reported that, …

http://www.rstreet.org/2013/08/08/gay-marriage-isnt-the-only-way-conservatives-can-stand-up-for-equality/

R Street morning round-up for Aug. 8, 2013

… West Virginia's biggest newspaper endorses a carbon tax: Charleston Gazette The conservative push for patent reform: Washington Post How to protect public lands amid the energy boom: Center for American …

http://www.rstreet.org/2013/08/08/r-street-morning-round-up-for-aug-8-2013/

R Street’s morning round-up for Aug. 7, 2013

Aug 7, 2013… Nearly 87% of the American West is in a drought: Los Angeles Times How safe are e-cigarettes?: Forbes Obama's housing plan subsidizes mortgage-backed securities: Dean Baker Scott Sumner argues market forecasts, …

http://www.rstreet.org/2013/08/07/r-streets-morning-round-up-for-aug-7-2013/

Libertarian populism’s female problem

Aug 6, 2013…In the search for a fresh GOP narrative after 2012's losses, "libertarian populism" has emerged as perhaps the most viable alternative, partially because it already has a few …

http://www.rstreet.org/2013/08/06/libertarian-populisms-female-problem/

The DEA gets in on the secret snooping business

…The war on civil liberties continues to intensify. Reuters revealed Monday that the Drug Enforcement Administration has been receiving data from the National Security Agency’s spy program. That …

http://www.rstreet.org/2013/08/06/the-dea-gets-in-on-the-secret-snooping-business/

R Street’s morning round-up for Aug. 6, 2013

… The Georgia tea party's push for solar: Forbes Only 40 percent of student loan borrowers are paying them back: Wall Street Journal New Washington Post owner Jeff Bezos' memo …

http://www.rstreet.org/2013/08/06/r-streets-morning-round-up-for-aug-6-2013/

R Street’s morning round-up for Aug. 5, 2013

Aug 5, 2013… Florida state Rep. David Santiago calls Citizens reform a matter of fairness: Orlando Sentinel Is the National Flood Insurance Program a mistake?: LiveScience E-cigarettes could rekindle public smoking ban debate: …

http://www.rstreet.org/2013/08/05/r-streets-morning-round-up-for-aug-5-2013/

Don’t tax credit unions…or community banks, either

Aug 2, 2013…With the suggestion box now clamped shut for the Senate Finance Committee's tax reform project, it bears pondering what the process is likely to mean for the future …

http://www.rstreet.org/2013/08/02/dont-tax-credit-unions-or-community-banks-either/

R Street’s morning round-up for Aug. 2, 2013

… Senate leaders name farm bill conferees: Senate Agriculture Committee Four Republican former EPA administrators make the case for a carbon tax: New York Times House Republicans draft new food stamps …

http://www.rstreet.org/2013/08/02/r-streets-morning-round-up-for-aug-2-2013/

Senate moves to make its ag reform intentions clear

Aug 1, 2013…The future of the farm bill may be in limbo, but fortunately, unlike their House counterparts, the Senate is using this waiting period to push for further agriculture …

http://www.rstreet.org/2013/08/01/senate-moves-to-make-its-ag-reform-intentions-clear/

Three must-read articles supporting tobacco harm reduction

…These outstanding recent publications belong in every tobacco harm reduction library. 1.  Dr. Lynn Kozlowski on e-cigarettes Kozlowski, dean of the School of Public Health at the University at Buffalo, …

http://www.rstreet.org/2013/08/01/three-must-read-articles-supporting-tobacco-harm-reduction/

R Street’s morning round-up for Aug. 1, 2013

… Fitch says commercial insurance coverage will be affected if terror backstop expires: Reactions Severity of South Carolina storms justify coastal rates: Post and Courier High crop prices and insurance seen …

http://www.rstreet.org/2013/08/01/r-streets-morning-round-up-for-aug-1-2013/

The White House’s ‘new’ newspeak

Jul 31, 2013…"I got tired of cursing the newspaper every morning. I got tired of seeing what was going wrong and not being able to do anything about it."  - …

http://www.rstreet.org/2013/07/31/the-white-houses-new-newspeak/

R Street’s morning round-up for July 31, 2013

… U.S. GDP was up 1.7 percent in the second quarter: Bureau of Economic Analysis Moody's praises push to shrink Florida Citizens: Miami Herald 7.2 million acres of sensitive land plowed …

http://www.rstreet.org/2013/07/31/r-streets-morning-round-up-for-july-31-2013/

After failed NSA vote, Rep. Ross points way forward

Jul 30, 2013…A proposal to defund the National Security Agency's spying program came close to passage last week. Proposed by Reps. Justin Amash, R-Mich., and John Conyers, D-Mich., the amendment …

http://www.rstreet.org/2013/07/30/after-failed-nsa-vote-rep-ross-points-way-forward/

Will ECPA reform be carved up like a turkey?

…With Congress set to break for its August recess this Friday, Capitol Hill is under pressure to get certain business done, for good or bad. That includes moving …

http://www.rstreet.org/2013/07/30/will-ecpa-reform-be-carved-up-like-a-turkey/

R Street’s morning round-up for July 30, 2013

… Landrieu, Vitter promise to filibuster DHS nominee until NFIP reforms are delayed: Washington Post The dubious economics of crop insurance: EconoMonitor E-cigarettes come to the United Kingdom: Retail Times 10 common …

http://www.rstreet.org/2013/07/30/r-streets-morning-round-up-for-july-30-2013/

House convenes ‘Stop Government Abuse Week’

Jul 29, 2013…This week, the U.S. House will consider ten bills aimed at curbing government abuse, covering topics such as the IRS' involvement in health care, customer service standards for …

http://www.rstreet.org/2013/07/29/house-convenes-stop-government-abuse-week/

R Street’s morning round-up for July 29, 2013

… House won't mark-up food stamps bill until after the recess: The Hill Australia turns its carbon tax into cap-and-trade system: New York Times Meanwhile, British Columbia's carbon tax is proving …

http://www.rstreet.org/2013/07/29/r-streets-morning-round-up-for-july-29-2013/

FDA finds insufficient evidence to justify menthol ban

Jul 26, 2013…The FDA Tobacco Products Scientific Advisory Committee in 2011 reported that menthol had a negative impact on public health.  This week, the FDA released its Preliminary Scientific Evaluation …

http://www.rstreet.org/2013/07/26/fda-finds-insufficient-evidence-to-justify-menthol-ban/

R Street’s morning round-up for July 26, 2013

… House appropriators mark-up bill to slash EPA, halt carbon rule-making: House Appropriations Committee Local governments must promise less or face disaster: The Economist Gov. Scott says denying reinsurance deductions would …

http://www.rstreet.org/2013/07/26/r-streets-morning-round-up-for-july-26-2013/

Credit where it’s due

Jul 25, 2013…We spend an awful lot of time yelling about what Congress is screwing up. In our defense, it's a target-rich environment. A quick glance at the red ink …

http://www.rstreet.org/2013/07/25/credit-where-its-due/

R Street’s morning round-up for July 25, 2013

… Rep. Amash amendment to defund warrantless surveillance falls 205-217: Washington Post Patent taxes could be a way to crack down on trolls: USA Today Next Fed chief down to either …

http://www.rstreet.org/2013/07/25/r-streets-morning-round-up-for-july-25-2013/

Gov. Scott asks congressman to oppose protectionist reinsurance tax

Jul 24, 2013…Florida Gov. Rick Scott is taking a firm stance against proposals floated in Congress and by the White House that would raise catastrophe insurance rates by limiting the …

http://www.rstreet.org/2013/07/24/gov-scott-asks-congressman-to-oppose-protectionist-reinsurance-tax/

R Street’s morning round-up for July 24, 2013

… Internet Infrastructure Coalition supports Issa-Chu patent reform bill: IIC Willis report ponders market appetite for terror insurance cat bonds: Willis Capital Markets & Advisory Credit unions launch Twitter campaign to …

http://www.rstreet.org/2013/07/24/r-streets-morning-round-up-for-july-24-2013/

House members who receive farm subsidies vote against cutting them

Jul 23, 2013…Rep. George Miller, D-Calif., released a report yesterday illustrating the latest Republican hypocrisy. The report profiles 14 Republican congressmen who receive federal agriculture subsidies. Each member voted for …

http://www.rstreet.org/2013/07/23/house-members-who-receive-farm-subsidies-vote-against-cutting-them/

R Street’s morning round-up for July 23, 2013

… Supermarkets, hotels and retailers join tech industry in pushing patent reform: Ars Technica Former Hartford exec Neil Wolin is leaving Treasury: Washington Post Conservative groups push GOP to open up …

http://www.rstreet.org/2013/07/23/r-streets-morning-round-up-for-july-23-2013/

Ending the patent troll extortion racket

Jul 22, 2013…Patents are enshrined in the U.S. Constitution as a means to "promote the progress of science and useful arts." Yet, in recent years, abusive and rent-seeking patent litigation …

http://www.rstreet.org/2013/07/22/ending-the-patent-troll-extortion-racket/

R Street’s morning round-up for July 22, 2013

… South Carolina panel recommends improvements to catastrophe model process: The Post and Courier Credit unions serve the public interest: Baltimore Sun Berkshire Hathaway could be on the hook for defaulting …

http://www.rstreet.org/2013/07/22/r-streets-morning-round-up-for-july-22-2013/

The IRS scandal’s evolving narrative

Jul 19, 2013…We saw yet another congressional hearing on the Internal Revenue Service scandal yesterday in which both sides continued to establish beachheads with their partisan narratives. The Democrats have …

http://www.rstreet.org/2013/07/19/the-irs-scandals-evolving-narrative/

Clinical trial shows e-cigarettes can aid in smoking cessation

…A new clinical trial provides clear evidence that e-cigarettes are effective in helping smokers quit or reduce cigarette consumption.  The results were published in PLoS One by Pasquale …

http://www.rstreet.org/2013/07/19/clinical-trial-shows-e-cigarettes-can-aid-in-smoking-cessation/

R Street’s morning round-up for July 19, 2013

… G-20 names nine insurers systemically significant: Wall Street Journal Senate requests Farm Bill conference with the House: The Hill Sen. Shelby opposes delays to flood insurance reform: The Hill Laffer vs. …

http://www.rstreet.org/2013/07/19/r-streets-morning-round-up-for-july-19-2013/

R Street’s morning round-up for July 18, 2013

Jul 18, 2013… The cost of climate change having a big hit on National Flood Insurance Program: Time The worst...Farm Bill...ever: Politico Congress offering a reprieve to already-subsidized NFIP: Hot Air American Energy Alliance …

http://www.rstreet.org/2013/07/18/r-streets-morning-round-up-for-july-18-2013/

What’s really going on with flood rates? FEMA provides some clarity

Jul 17, 2013…In recent months, a group of lawmakers from the Gulf Coast -- led by Sen. Mary Landrieu, D-La. -- in concert with some of their colleagues from Sandy-hit …

http://www.rstreet.org/2013/07/17/whats-really-going-on-with-flood-rates-fema-provides-some-clarity/

Civil investigations in the cloud

…Increasingly, computer users are turning to cloud storage to hold on to their files and data. They do so not only to have access to these files whenever …

http://www.rstreet.org/2013/07/17/civil-investigations-in-the-cloud/

R Street’s morning round-up for July 17, 2013

… Chocolate fondue and the Marketplace Fairness Act: Forbes ABA president tells Senate Finance Committee to end credit union tax exemption: St. Louis Business Journal Treasury seeks input on extension of …

http://www.rstreet.org/2013/07/17/r-streets-morning-round-up-for-july-17-2013/

R Street’s morning round-up for July 16, 2013

Jul 16, 2013… FEMA sets maximum flood insurance premium of $10,723 for a high-risk home: Asbury Park Press Inflation was just 1.8% over the past 12 months: Bureau of Labor Statistics House farm-only …

http://www.rstreet.org/2013/07/16/r-streets-morning-round-up-for-july-16-2013/

R Street’s morning round-up for July 15, 2013

Jul 15, 2013… Split from food stamps makes combined Farm Bill harder to pass: The Hill Florida city shows commitment to open spaces can lower flood insurance rates: News-Journal Entrepreneurs against the Marketplace …

http://www.rstreet.org/2013/07/15/r-streets-morning-round-up-for-july-15-2013/

R Street’s morning round-up for July 12, 2013

Jul 12, 2013… House Republicans pass a Farm Bill without food stamps (or reform): Washington Post Amazon charges merchants 2.9 percent to collect states sales taxes: eMainStreet Paul Ryan explains why he flip-flopped …

http://www.rstreet.org/2013/07/12/r-streets-morning-round-up-for-july-12-2013/

Effect of snus use on newborn birth weights? Real, but very small

Jul 11, 2013…Three years ago, I discussed several Swedish studies reporting that pregnant women who use snus are at risk for: Slightly smaller babies, premature delivery and preeclampsia (here); and Premature birth …

http://www.rstreet.org/2013/07/11/effect-of-snus-use-on-newborn-birth-weights-real-but-very-small/

The farm bill fiasco

…The Farm Bill is on the House floor right now and rumors are flying as to who's voting for it and what's been promised to them. I thought …

http://www.rstreet.org/2013/07/11/the-farm-bill-fiasco/

R Street’s morning round-up for July 11, 2013

… The path to a better Farm Bill: The Hill The Biggert-Waters Act's flood insurance reforms are common sense: Waterbury Republican-American Sen. Vitter asks FEMA to rescind its preliminary flood maps: …

http://www.rstreet.org/2013/07/11/r-streets-morning-round-up-for-july-11-2013/

Does Obama have authority to suspend the employer mandate?

Jul 10, 2013…"We have heard concerns about the complexity of the requirements and the need for more time to implement them effectively,: says the U.S. Treasury spokesman about the Obamacare …

http://www.rstreet.org/2013/07/10/does-obama-have-authority-to-suspend-the-employer-mandate/

5 items in the PRISM report you need to read

…Last week, the Congressional Research Service released a report on the National Security Agency's domestic spying programs. Essentially, it is a "What You Need To Know, Mr. Representative" …

http://www.rstreet.org/2013/07/10/5-items-in-the-prism-report-you-need-to-read/

Can the Republican Party be saved?

…R Street Senior Fellow Reihan Salam discusses options to grow and reform the Republican Party, and whether such efforts have any hopes of succeeding. …

http://www.rstreet.org/2013/07/10/can-the-republican-party-be-saved/

R Street’s morning round-up for July 10, 2013

… How the Internet sales tax would hurt small businesses: Washington Business Journal Even a $1 billion storm might bankrupt the Texas Windstorm Insurance Association: Texas Public Radio Senate leaders wary …

http://www.rstreet.org/2013/07/10/r-streets-morning-round-up-for-july-10-2013/

Salam on treatment of Zimmerman witnesses

…R Street Senior Fellow Reihan Salam discusses the treatment of witnesses in the George Zimmerman case on CNN. …

http://www.rstreet.org/2013/07/10/salam-on-treatment-of-zimmerman-witnesses/

Do House Republicans really want reform?

Jul 9, 2013…As much as I never like to question anyone’s intentions, I finally find myself asking this week, do House Republicans really want to reform Washington? Perhaps it was naïve, …

http://www.rstreet.org/2013/07/09/do-house-republicans-really-want-reform/

Top 7 farm amendments House won’t be allowed to vote on

…News broke earlier today that the House will proceed with consideration of a "farm only" Farm Bill this week after deciding to split the agriculture and nutrition portions. …

http://www.rstreet.org/2013/07/09/top-7-farm-amendments-house-wont-be-allowed-to-vote-on/

Salam talking carbon taxes on Business Insider

…R Street Senior Fellow Reihan Salam discusses the potential for a carbon tax with Josh Barro of Business Insider, as well as the prospects that Republicans would ever …

http://www.rstreet.org/2013/07/09/salam-talking-carbon-taxes-on-business-insider/

R Street’s morning update for July 9, 2013

… Chinese coal pollution is cutting life expectancy by 5.5 years: Washington Post Is a temperature-indexed carbon tax the solution to global warming?: Reason S&P calls its ratings "puffery": Bloomberg Housing starts …

http://www.rstreet.org/2013/07/09/r-streets-morning-update-for-july-9-2013/

Reihan Salam on Eliot Spitzer

Jul 8, 2013…R Street Senior Fellow Reihan Salam joins Dean Obeidallah, Stephanie Miller and CNN's Erin Burnett to discuss Eliot Spitzer's return to politics. …

http://www.rstreet.org/2013/07/08/reihan-salam-on-eliot-spitzer/

Reihan Salam on why single-payer wouldn’t work here

…R Street Senior Fellow Reihan Salam discusses single-payer health care systems, and why the United States may not be ideally suited for one. …

http://www.rstreet.org/2013/07/08/reihan-salam-on-why-single-payer-wouldnt-work-here/

Restore the Fourth: Snail mail edition

…On the Fourth of July, thousands of protesters took to the streets across America to challenge the National Security Agency’s unconstitutional domestic spying program. Simultaneously, the New York Times' …

http://www.rstreet.org/2013/07/08/restore-the-fourth-snail-mail-edition/

R Street’s morning round-up for July 8, 2013

… The world will adopt a carbon tax only after exhausting every other alternative: The Economist Cantor tells House Republicans to expect return to Farm Bill this month: The Hill Should …

http://www.rstreet.org/2013/07/08/r-streets-morning-round-up-for-july-8-2013/

Censorship by the Norwegian Health Directorate

Jul 5, 2013…Global health authorities have zero tolerance for tobacco use. Worse, they have zero tolerance for any rational discussion of tobacco harm reduction. Last year, the health directorate of Norway …

http://www.rstreet.org/2013/07/05/censorship-by-the-norwegian-health-directorate/

Salam on the employer mandate delay

…R Street Senior Fellow Reihan Salam discusses the Treasury Department's decision to delay the Obamacare employer mandate with Josh Barro of Business Insider. …

http://www.rstreet.org/2013/07/05/salam-on-the-employer-mandate-delay/

R Street’s morning round-up for July 5, 2013

… Steve Chapman on how to prosper while fighting climate change: Chicago Tribune Met, Pru and state regulators urge Fed not to apply bank rules to insurers: Bloomberg U.N. report finds …

http://www.rstreet.org/2013/07/05/r-streets-morning-round-up-for-july-5-2013/

The Obamacare employer mandate should be delayed…forever

Jul 3, 2013…The big news this morning is the Treasury Department’s announcement that it will delay for one year provisions of the Affordable Care Act that require employers with more …

http://www.rstreet.org/2013/07/03/the-obamacare-employer-mandate-should-be-delayedforever/

R Street’s morning round-up for July 3, 2013

… Farm lobbies push back against effort to split Farm Bill: The Hill Treasury excuse for delaying Obamacare rule either lame or fake: Josh Barro Landrieu plans to insert NFIP reform …

http://www.rstreet.org/2013/07/03/r-streets-morning-round-up-for-july-3-2013/

Hey big corporations, D.C. doesn’t want your lousy jobs

Jul 2, 2013…Jobs? We don’t need no steeeenking jobs! That could be the motto of the D.C. City Council. Last week, the council voted to impose a “super-minimum wage” on large …

http://www.rstreet.org/2013/07/02/hey-big-corporations-d-c-doesnt-want-your-lousy-jobs-2/

R Street’s morning round-up for July 2, 2013

… Surcharge to support the Michigan Catastrophic Claims Association rises 6 percent: WILX The myriad benefits of a carbon tax: New York Times Push to split Farm Bill earning significant support …

http://www.rstreet.org/2013/07/02/r-streets-morning-round-up-for-july-2-2013/

Tobacco harm reduction: Hope in the US, despair in Europe

Jul 1, 2013…In my commentary, “The Electronic Future of Cigarettes,” published last week in The Atlantic,  I described "a radical transformation in the way our society uses tobacco…as tobacco consumers …

http://www.rstreet.org/2013/07/01/tobacco-harm-reduction-hope-in-the-us-despair-in-europe/

R Street’s morning round-up for July 1, 2013

… R Street-proposed law preventing Florida Citizens from writing policies in environmentally sensitive regions takes effect today: Orlando Sentinel Congress left for a 10-day recess with the fate of the …

http://www.rstreet.org/2013/07/01/r-streets-morning-round-up-for-july-1-2013/

Top five policies that keep DC’s Metro dysfunctional

Jun 27, 2013…It's very difficult to find any agreement in Washington, D.C. From budgets to health care to social issues to even Redskins or the Ravens, disagreement is the norm. …

http://www.rstreet.org/2013/06/27/top-five-policies-that-keep-dcs-metro-dysfunctional/

R Street wins carbon tax debate with Heritage Foundation and Heartland Institute

Jun 26, 2013…On June 13, 2013, the R Street Institute hosted a debate with the Energy & Enterprise Institute, the Heritage Foundation, and the Heartland Institute on the question, "Are …

http://www.rstreet.org/2013/06/26/r-street-wins-carbon-tax-debate-with-heritage-foundation-and-heartland-institute/

Facebook official’s move to NSA should raise eyebrows

Jun 25, 2013…Last week, news came to light that former Facebook Chief Security Officer Max Kelley now works for the National Security Agency. The story should raise a few eyebrows …

http://www.rstreet.org/2013/06/25/facebook-officials-move-to-nsa-should-raise-eyebrows/

Indiana balance-billing law latest in fight over ‘reasonable’ charges

…One of the long-standing tensions in health care  finance -- whether you're talking about health insurance or managed care, for-profit or non-profit, workers' compensation, Medicare, Tricare,  automobile medical …

http://www.rstreet.org/2013/06/25/indiana-balance-billing-law-latest-in-fight-over-reasonable-charges/

Don’t mess with Texans’ emails, revisited

Jun 21, 2013…Just a week ago, we noted that the Texas Legislature sent a bill to Gov. Rick Perry that would force state law enforcement to get a warrant if …

http://www.rstreet.org/2013/06/21/dont-mess-with-texans-emails-revisited/

Alternative tobacco products aid in smoking cessation

…In May, Dr. Lucy Popova and Dr. Pamela Ling coauthored “Alternative Tobacco Product Use and Smoking Cessation: A National Study.”  It appeared in the May issue of the …

http://www.rstreet.org/2013/06/21/alternative-tobacco-products-aid-in-smoking-cessation/

R Street’s morning round-up for June 21, 2013

… After failed Farm Bill vote, Lucas vows House will finish work "in the near future": House Agriculture Committee 57% of Americans oppose Internet sales tax: Gallup Opposition to alternative tobacco …

http://www.rstreet.org/2013/06/21/r-streets-morning-round-up-for-june-21-2013/

Texas wind pool wants $500 million in pre-event notes

Jun 20, 2013…On Tuesday, the board of the Texas Windstorm Insurance Association agreed to explore additional funding options, after the Legislature was unable to pass any reforms during the recent …

http://www.rstreet.org/2013/06/20/texas-wind-pool-wants-500-million-loan-from-the-state/

R Street urges House consider improvements after failed Farm Bill vote

… For Immediate Release Contact Information: R.J. Lehmann, Public Affairs Director Office: 202.525.5717 Email: rlehmann@rstreet.org WASHINGTON (June 20, 2013) –- The R Street Institute welcomed today’s 195 to 234 U.S. House vote defeating a …

http://www.rstreet.org/2013/06/20/r-street-urges-house-consider-improvements-after-failed-farm-bill-vote/

Lies, damn lies and crop insurance

…The fact that outlandish misinformation flies around Capitol Hill as various groups fight to keep their subsidies is nothing new. But sometimes, the misinformation is so misleading and …

http://www.rstreet.org/2013/06/20/lies-damn-lies-and-crop-insurance/

R Street’s morning round-up for June 20, 2013

… Four ways the government encourages risky coastal rebuilding: ProPublica NAFCU is pushing its members to stand up for credit union tax exemption: NAFCU The Farm Bill is a $1 trillion …

http://www.rstreet.org/2013/06/20/r-streets-morning-round-up-for-june-20-2013/

Eli Lehrer on R Street, conservatism and the environment

Jun 19, 2013…Peter Sinclair's two-part YouTube interview with Eli Lehrer on R Street, conservatism and the environment. …

http://www.rstreet.org/2013/06/19/two-part-interview-with-eli-lehrer-on-r-street-conservatism-and-the-environment/

Florida taxpayers owe Binnun a debt of gratitude

…Florida's state-run Citizens Property Insurance Corp. announced earlier this week that Chief Financial Officer Sharron Binnun has resigned to take a job in the private sector. Her departure from …

http://www.rstreet.org/2013/06/19/florida-taxpayers-owe-binnun-a-debt-of-gratitude/

R Street’s morning round-up for June 19, 2013

… Internet sales tax facing major opposition in the House: U.S. News Immigration reform would cut deficit by $200 billion over next decade: CBO Seven Farm Bill fights to watch: The …

http://www.rstreet.org/2013/06/19/r-streets-morning-round-up-for-june-19-2013/

R Street’s morning round-up for June 18, 2013

Jun 18, 2013… Private reinsurers ready to take on Florida risk: Tampa Tribune Study debunks bank claims about credit union tax advantages: Northwest Credit Union Association Still not clear when/if House will take …

http://www.rstreet.org/2013/06/18/r-streets-morning-round-up-for-june-18-2013/

59 reasons to stop NSA spying

Jun 17, 2013…I’m not one for opinion polls; if 64% of Americans said Justin Bieber was a fantastic singer, he would still be genuinely terrible. But with regards to the …

http://www.rstreet.org/2013/06/17/59-reasons-to-stop-nsa-spying/

Spectrum squeezing America

…Have you noticed the cost of your smartphone plan keeps increasing? There was quite a hullabaloo last year when AT&T hiked rates and Verizon--affectionately known as "Big Red"--switched …

http://www.rstreet.org/2013/06/17/spectrum-squeezing-america/

Immigration “fertile” for reform, by the numbers

…Pardon the pun, but it is only appropriate on the heels of former Florida Gov. Jeb Bush’s remarks to the Faith and Freedom Coalition last Friday. According to …

http://www.rstreet.org/2013/06/17/immigration-fertile-for-reform-by-the-numbers/

R Street’s morning round-up for June 17, 2013

… Eric Cantor schedules Farm Bill vote this week: The Hill House Republicans need to insist on the right Farm Bill: Daily Caller Senate Finance Committee includes credit union tax exemption …

http://www.rstreet.org/2013/06/17/r-streets-morning-round-up-for-june-17-2013/

British government promotes cigarettes

Jun 14, 2013…The United Kingdom will regulate all nicotine-containing products, including e-cigarettes, as medicines, starting in 2016. The British bureaucrats justified their decision: "Our research has shown that existing electronic cigarettes and …

http://www.rstreet.org/2013/06/14/british-government-promotes-cigarettes/

R Street’s morning round-up for June 14, 2013

… FEMA report shows climate change could increase flood risk 45 percent: Mother Jones NAIC president sees no need for moratorium on captive life reinsurers: Wall Street Journal Gov. Perry won't …

http://www.rstreet.org/2013/06/14/r-streets-morning-round-up-for-june-14-2013/

Eli Lehrer discussing conservatism and the environment at Duke University

Jun 13, 2013… Eli Lehrer of R-Street at Duke University from Energy & Enterprise Initiative on Vimeo. …

http://www.rstreet.org/2013/06/13/eli-lehrer-discussing-conservatism-and-the-environment-at-duke-university/

Whom does the beach house bailout benefit? Hedge funds, Venezuelan expats, Russian oligarchs

…With Sen. Bill Nelson, D-Fla., expected any day now to reintroduce his proposal to have federal taxpayers backstop the risk of state catastrophe funds, it bears examining just …

http://www.rstreet.org/2013/06/13/who-does-the-beach-house-bailout-benefit-hedge-funds-venezuelan-ex-pats-russian-oligarchs/

Three reasons not to pass the Farm Bill

…Next week, the latest iteration of the Farm Bill will head to the floor of the U.S. House. This is the usual bundle of legislation that includes dozens …

http://www.rstreet.org/2013/06/13/three-reasons-not-to-pass-the-farm-bill/

R Street’s morning round-up for June 13, 2013

… Federal Insurance Office releases its first-ever annual report: U.S. Treasury Department Speaker Boehner says he will vote for the Farm Bill, after all: The Hill AEI's Vince Smith on why …

http://www.rstreet.org/2013/06/13/r-streets-morning-round-up-for-june-13-2013/

The myopia of insurance regulation

Jun 12, 2013…Mary Williams Walsh of The New York Times’ DealBook blog has an interesting post today on New York regulators’ expansive investigation of captive reinsurance transactions by life insurers, …

http://www.rstreet.org/2013/06/12/the-myopia-of-insurance-regulation/

R Street’s morning round up for June 12, 2013

… "Wean the agriculture industry off of welfare.": Chicago Tribune Speaker Boehner could pull Farm Bill from House schedule: The Hill Gov. Scott launches nationwide search for inspector-general of Florida Citizens: …

http://www.rstreet.org/2013/06/12/r-streets-morning-round-up-for-june-12-2013/

NextNewsNetwork report on ‘Defending America, Defending Taxpayers’

Jun 11, 2013…NextNewsNetwork offers this video briefing "Defending America, Defending Taxpayers," a recent report by R Street Senior Fellow Andrew Moylan and Pete Sepp of the National Taxpayers Union. …

http://www.rstreet.org/2013/06/11/nextnewsnetwork-report-on-defending-america-defending-taxpayers/

Five reasons to increase the number of H-1B visas

…The U.S. Senate is close to voting on a bill promulgated by the Judiciary Committee that would, among other things,  raise the H-1B visa cap from 65,000 annual …

http://www.rstreet.org/2013/06/11/five-reasons-to-increase-the-number-of-h-1b-visas/

Don’t mess with Texas emails

…The Texas Legislature has sent a bill to Gov. Perry's desk that would require a warrant to open any email, no matter how old the email is. Ars Technica has …

http://www.rstreet.org/2013/06/11/dont-mess-with-texas-emails/

Rand Paul and the NSA

…In the wake of the revelations about PRISM and National Security Agency spying, Sen. Rand Paul, R-Ky., has introduced a bill, S. 1121, or “A bill to stop …

http://www.rstreet.org/2013/06/11/rand-paul-and-the-nsa/

R Street’s morning round-up for June 11, 2013

… Senate passes five-year Farm Bill in 66-27 vote: The Hill More states experimenting with social impact bonds: Washington Post State Sen. Fasano threatens hearings over  Florida Cat Fund hiking rates …

http://www.rstreet.org/2013/06/11/r-streets-morning-round-up-for-june-11-2013/

Will NSA-gate push ECPA reform over the finish line?

Jun 10, 2013…Last week, civil liberties journalist Glenn Greenwald broke open the story of the National Security Agency grabbing everyone’s call information in a massive surveillance program called PRISM, which …

http://www.rstreet.org/2013/06/10/will-nsa-gate-push-ecpa-reform-over-the-finish-line/

Reagan’s free-market environmentalism

…Ronald Reagan was probably the last really great leader to serve as president of the United States. Although disdained and considered a dangerous ideologue by most elites while …

http://www.rstreet.org/2013/06/10/reagans-free-market-environmentalism/

R Street’s morning round-up for June 10, 2013

… World Bank study finds 40 national governments have implemented carbon pricing: Washington Post How Amazon stands to gain from the Internet sales tax: Seattle Times Loophole in S.C. catastrophe savings …

http://www.rstreet.org/2013/06/10/r-streets-morning-round-up-for-june-10-2013/

R Street’s morning round-up for June 7, 2013

Jun 7, 2013… Economy adds 175,000 jobs in May, but unemployment ticks up nonetheless: BLS Senate panel approves bill for interstate licensing of insurance agents: PCI More Republicans reconsidering gay marriage position: BuzzFeed Former …

http://www.rstreet.org/2013/06/07/r-streets-morning-round-up-for-june-7-2013/

Expect the Farm Bill to cost a lot more than advertised

Jun 6, 2013…With pressure in the Senate to pass the Farm Bill this week (they approved cloture this morning) and showmanship killing any consideration of further amendments, things aren’t looking …

http://www.rstreet.org/2013/06/06/expect-the-farm-bill-to-cost-a-lot-more-than-advertised/

R Street’s morning round-up for June 6, 2013

… Senate votes 75-22 to cut off debate on the Farm Bill: The Hill U.S. House votes to defund part of flood insurance reform as part of DHS appropriations bill: …

http://www.rstreet.org/2013/06/06/r-streets-morning-round-up-for-june-6-2013/

Landrieu’s attempt to gut flood reforms she voted for spikes Farm Bill improvements

Jun 5, 2013…The U.S. Senate ground to a halt yesterday amid a hailstorm of objections to various Farm Bill amendments, both germane and non-germane to the legislation. Roll Call had …

http://www.rstreet.org/2013/06/05/landrieus-attempt-to-gut-flood-reforms-she-voted-for-spikes-farm-bill-improvements/

R Street’s morning round-up for June 5, 2013

… Mark Bittman calls the Farm Bill “welfare for the wealthy”: New York Times Sen. Reid schedules Farm Bill cloture vote for Thursday: The Hill Sen. Landrieu holds up …

http://www.rstreet.org/2013/06/05/r-streets-morning-round-up-for-june-5-2013/

R Street’s morning round-up for June 4, 2013

Jun 4, 2013… Senate expected to finish Farm Bill deliberations this week: AgriPulse AIG and Prudential first insurers tagged as too-big-to-fail: Wall Street Journal Myths of the Internet sales tax: Forbes Is it worth …

http://www.rstreet.org/2013/06/04/r-streets-morning-round-up-for-june-4-2013/

R Street’s morning round-up for June 3, 2013

Jun 3, 2013… Florida consumer group warns action still needed to shore up Florida Cat Fund: Tallahassee Democrat Steve Ellis of Taxpayers for Common Sense discusses disaster response issues: MSNBC The myth of …

http://www.rstreet.org/2013/06/03/r-streets-morning-round-up-for-june-3-2013/

FDA lifts restrictions on OTC nicotine replacement therapies

Jun 1, 2013…In a truly stunning announcement, April 1, the U.S. Food and Drug Administration announced its intention to lift many restrictions on labeling of over-the-counter Nicotine Replacement Therapy drugs; allow …

http://www.rstreet.org/2013/06/01/fda-lifts-restrictions-on-otc-nicotine-replacement-therapies-2/

R Street’s morning round-up for May 31, 2013

May 31, 2013… Congress poised to make crop insurance more generous: NPR Yahoo warns merchants about Internet sales tax: eCommerce Bytes AIG drops lawsuit against New York Fed: New York Times More investors interested …

http://www.rstreet.org/2013/05/31/r-streets-morning-round-up-for-may-31-2013/

You can’t tax credit unions if they don’t exist

May 30, 2013… After enduring months of salvos from the banking industry, credit unions are fighting back. The above video from the Credit Union National Association, one of the industry’s two major …

http://www.rstreet.org/2013/05/30/you-cant-tax-credit-unions-if-they-dont-exist/

R Street’s morning round-up for May 30, 2013

… Will Texas take on windpool reform in special session?: Texas Public Radio Small businesses identify serious problems with Internet sales tax: ATR Are recent tornadoes a result of climate change? …

http://www.rstreet.org/2013/05/30/r-streets-morning-round-up-for-may-30-2013/

Marketplace Fairness Act supporters write facepalm-worthy letter

May 29, 2013…Last week, a coalition ostensibly made up of four groups (Let Freedom Ring, American Majority, 60 Plus, and Americans for Job Security) released a letter (PDF) urging support of the …

http://www.rstreet.org/2013/05/29/marketplace-fairness-act-supporters-write-facepalm-worthy-letter/

R Street’s morning round-up for May 29, 2013

… Baucus and Camp say IRS scandal, Apple controversy bolster case for tax reform: The Hill Elon Musk, Richard Branson among CEOs endorsing carbon tax: Huffington Post Houston attorney announces $135 …

http://www.rstreet.org/2013/05/29/r-streets-morning-round-up-for-may-29-2013/

What Farm Bill reforms are still possible?

May 28, 2013…The Senate’s Farm Bill deliberations should wrap up next week, with final approval coming after this week’s recess. That makes this a good time to take stock of …

http://www.rstreet.org/2013/05/28/what-farm-bill-reforms-are-still-possible/

R Street’s morning round-up for May 28, 2013

… Senators will consider cuts to crop insurance when they return: Farm Futures Insurance, not electronics, is Sony's most profitable business: New York Times eBay enlists sellers to oppose the Marketplace …

http://www.rstreet.org/2013/05/28/r-streets-morning-round-up-for-may-28-2013/

Insurers and climate change: The truth is more complicated than the sound bytes

May 24, 2013…As an insurance guy who has been on both sides of the climate change debate (I’ve worked for organizations full of climate change skeptics and now head one …

http://www.rstreet.org/2013/05/24/insurers-and-climate-change-the-truth-is-more-complicated-than-the-sound-bytes/

R Street’s morning round-up for May 24, 2013

… Fact checking the Internet sales tax coalition: Heritage American Academy of Actuaries endorses raising the retirement age: Academy NRDC says insurers are running from climate change risks: PropertyCasualty360 Rep. Mike Capuano …

http://www.rstreet.org/2013/05/24/r-streets-morning-round-up-for-may-24-2013/

No one has a ‘right’ to be subsidized

May 23, 2013…In a new blog post, our friend Daren Bakst at the Heritage Foundation argues against returning to the Reagan administration policy of linking federally subsidized crop insurance to …

http://www.rstreet.org/2013/05/23/no-one-has-a-right-to-be-subsidized/

R Street’s morning round-up for May 23, 2013

… Carbon tax would raise significant revenues, avert catastrophe: CBO Senate rejects reforms to sugar program: The Hill Rep. Stephen Fincher, who has collected $3.5M in farm subsidies, wants to cut …

http://www.rstreet.org/2013/05/23/r-streets-morning-round-up-for-may-23-2013/

Some rare good news on crop insurance reform

May 22, 2013…I wrote earlier this month about the record high losses taxpayers incurred due to the 2012 drought, highlighting an excellent study by Bruce Babcock that showed how premium …

http://www.rstreet.org/2013/05/22/some-rare-good-news-on-crop-insurance-reform/

Nobody’s fault in Michigan

…There are two schools of thought about how to analyze a benefits system. The first is to look at its overall function and how the various parts interrelate. …

http://www.rstreet.org/2013/05/22/nobodys-fault-in-michigan/

R Street’s morning round-up for May 22, 2013

…  Oklahoma twister cost estimated at $2-$6 billion: Hartford Courant Sen. Landrieu offers bill to delay flood insurance reform: Times-Picayune Texas' insurance commissioner may not be long in her post: PropertyCasualty360 MetLife …

http://www.rstreet.org/2013/05/22/r-streets-morning-round-up-for-may-22-2013/

R Street’s morning round-up for May 21, 2013

May 21, 2013… Insurers respond to devastating Oklahoma tornado: American Insurance Association White House calls for deeper cuts in crop insurance: Reuters NFIP rate hikes an issue in Sen. Landrieu's re-election bid: PropertyCasualty360 U.S. …

http://www.rstreet.org/2013/05/21/4153/

R Street’s morning round-up for May 20, 2013

May 20, 2013… An excellent radio piece on R Street board member Bob Inglis: This American Life Florida lawmakers missed chance to fix the Cat Fund: Star-Banner Natural disasters pose systemic risks to …

http://www.rstreet.org/2013/05/20/r-streets-morning-round-up-for-may-20-2013/

R Street’s morning round-up for May 17, 2013

May 17, 2013… Eight members introduce bill to reform crop insurance: Rep. Tom Petri, R-Wis. Reactions magazine editor sees "next to zero chance of TRIA being renewed in its current form": WRIN-tv Cause …

http://www.rstreet.org/2013/05/17/r-streets-morning-round-up-for-may-17-2013/

The Florida Cat Fund’s low bar for fiscal ‘health’

May 16, 2013…The headlines blaring from the Sunshine State today are unambiguous. The state-run Florida Hurricane Catastrophe Fund is “in good shape”  Indeed, its latest report card shows it is …

http://www.rstreet.org/2013/05/16/the-florida-cat-funds-low-bar-for-fiscal-health/

R Street’s morning round-up for May 16, 2013

… House Agriculture Committee approves $940 billion Farm Bill: The Hill Former Virginia Gov. Jim Gilmore on why Internet sales tax is a solution in search of a problem: Roll …

http://www.rstreet.org/2013/05/16/r-streets-morning-round-up-for-may-16-2013/

Watch the Heritage bloggers’ briefing on the Farm Bill nightmare

May 15, 2013… Watch live streaming video from heritagefoundation at livestream.com Watch R Street Senior Fellow Andrew Moylan with Heritage's own Daren Bakst on the $1 trillion abomination that is the Farm …

http://www.rstreet.org/2013/05/15/watch-the-heritage-bloggers-briefing-on-the-farm-bill-nightmare/

R Street’s morning round-up for May 15, 2013

… Insurance industry consensus is that climate change is real: New York Times Senate panel approves five-year Farm Bill: Bloomberg Sen. Pat Toomey blocks amendment to delay flood insurance reforms: The …

http://www.rstreet.org/2013/05/15/r-streets-morning-round-up-for-may-15-2013/

R Street’s morning round-up for May 14, 2013

May 14, 2013… Louisiana House shelves bill giving lawmakers authority to block Citizens rate hikes: The Republic Online tax burden would hurt, not help: Beloit Daily News Many policyholders don't know what their …

http://www.rstreet.org/2013/05/14/r-streets-morning-round-up-for-may-14-2013/

R Street’s morning round-up for May 13, 2013

May 13, 2013… IRS apologizes for targeting conservative groups: Associated Press Atmospheric carbon dioxide hits highest level in 3 million years: New York Times Five ways Congress could improve copyright law: Ars Technica Internet …

http://www.rstreet.org/2013/05/13/r-streets-morning-round-up-for-may-13-2013/

American sugar: A not-so-sweet deal

May 10, 2013…With the Farm Bill renewal debate rapidly approaching, one undeniable candidate for pruning is the federal sugar program. Currently, the federal government controls almost every aspect of sugar …

http://www.rstreet.org/2013/05/10/american-sugar-a-not-so-sweet-deal/

R Street’s morning round-up for May 10, 2013

… Senate Agriculture Chair Debbie Stabenow releases Farm Bill draft: Senate Agriculture Committee Lofgren bill would allow unlocking/jailbreaking smart phones and other devices: Rep. Zoe Lofgren, D-Calif. Could Mark Sanford be …

http://www.rstreet.org/2013/05/10/r-streets-morning-round-up-for-may-10-2013/

R Street’s morning round-up for May 9, 2013

May 9, 2013… Disaster officials dispute Rick Scott's claim sequestration will hurt emergency preparedness: Miami Herald Max Baucus and Dave Camp have launched a new tax reform website: TaxReform.GOV Peter Wallison on why …

http://www.rstreet.org/2013/05/09/r-streets-morning-round-up-for-may-9-2013/

R Street’s morning round-up for May 8, 2013

May 8, 2013… Bloomberg Q&A with R Street's Eli Lehrer on the carbon tax: Bloomberg Ways and Means report proposes eliminating energy tax expenditures for carbon tax: Platts Boehner says House will take …

http://www.rstreet.org/2013/05/08/r-streets-morning-round-up-for-may-8-2013/

R Street’s morning round-up for May 7, 2013

May 7, 2013… House Agriculture Committee plans Farm Bill mark-up for May 15: Ag Professional Senate mark-up of Farm Bill could be pushed back until next week: Hoosier Ag Today Senate passes Internet …

http://www.rstreet.org/2013/05/07/r-streets-morning-round-up-for-may-7-2013/

2012 crop insurance payouts were more than double farmers’ losses

May 6, 2013…The verdict is in – crop insurance, as currently structured, results in massive overspending on the part of the federal government. Just how much overspending? According to a recent …

http://www.rstreet.org/2013/05/06/2012-crop-insurance-payouts-were-more-than-double-farmers-losses/

R Street’s morning round-up for May 6, 2013

… Senate prepares vote on Internet sales tax bill today: Great Falls Tribune Floridians taking advantage of Citizens' sinkhole "glitch": Tampa Bay Times Ag groups oppose efforts to cut subsidies to …

http://www.rstreet.org/2013/05/06/r-streets-morning-round-up-for-may-6-2013/

In N.C., chairman’s auto insurance bills don’t even meet his own standards

May 3, 2013…As the push for modernization and consumer choice in North Carolina's auto insurance system moves from the state Senate to the House, it's worth going back to examine …

http://www.rstreet.org/2013/05/03/in-n-c-chairmans-auto-insurance-bills-dont-even-meet-his-own-standards/

R Street’s morning round-up for May 3, 2013

… Florida Senate sends Citizens reform bill to Gov. Scott: PropertyCasualty360 Citizens reform could impact real estate market: South Florida Business Journal Texas wind pool board meets today to discuss funding …

http://www.rstreet.org/2013/05/03/r-streets-morning-round-up-for-may-3-2013/

Yes, the Marketplace Fairness Act does authorize a sales tax audit bonanza

May 2, 2013…The so-called "Marketplace Fairness Coalition," one of a half-dozen groups using big-box retailer cash to organize support of Internet sales tax legislation, sent a very interesting letter yesterday …

http://www.rstreet.org/2013/05/02/marketplace-fairness-act-tax-audit-bonanza/

R Street’s morning round up for May 2, 2013

… Who paid for last summer's drought? You did: NPR Florida Senate expected to wrap up session by passing Citizens reforms today: Sun-Sentinel Oklahoma joins Texas as only states where employers …

http://www.rstreet.org/2013/05/02/r-streets-morning-round-up-for-may-2-2013/

Top 10 bogus arguments for the Marketplace Fairness Act

May 1, 2013…Whenever there are tens of millions of dollars worth of lobbying muscle behind a piece of legislation, folks seem willing to say just about anything to make a …

http://www.rstreet.org/2013/05/01/top-10-bogus-arguments-for-the-marketplace-fairness-act/

R Street’s morning update for May 1, 2013

… Who should pay for beach replenishment, local businesses or the federal government?: Herald-Tribune Two chambers of the Florida Legislature are having a stare-down over Citizens reform: News-Herald Tax reform push …

http://www.rstreet.org/2013/05/01/r-streets-morning-update-for-may-1-2013/

R Street’s morning round-up for April 30, 2013

Apr 30, 2013…  Florida House passes reforms to Citizens Property Insurance: Orlando Sentinel U.S. Treasury will pay down some debt for the first time in six years: The Hill Home prices were up …

http://www.rstreet.org/2013/04/30/r-streets-morning-round-up-for-april-30-2013/

R Street’s morning round-up for April 29, 2013

Apr 29, 2013… GOP Sen. Lisa Murkowski says climate change is real, must be addressed: CNNMoney Oregon's Cascade Policy Institute on the Marketplace Fairness Act: Oregon Catalyst As constructed, EU's ETS would require …

http://www.rstreet.org/2013/04/29/r-streets-morning-round-up-for-april-29-2013/

A silver lining in these very gray times

Apr 26, 2013…It has been an ugly two ­­­weeks. The Boston bombing horror cost my son’s triathlon coach a broken leg, broken ankle and a severed Achilles tendon. The coach’s …

http://www.rstreet.org/2013/04/26/a-silver-lining-in-these-very-gray-times/

R Street’s morning round-up for April 26, 2013

… R Street board member Bob Inglis on conservatives' opportunity to act on climate and energy: Politico Final Senate vote on misguided Internet sales tax pushed off to May 6: …

http://www.rstreet.org/2013/04/26/r-streets-morning-round-up-for-april-26-2013/

R Street’s morning round-up for April 25, 2013

Apr 25, 2013… Congress may exempt itself from Obamacare: Politico Senate panel this morning unanimously passed the Leahy-Lee electronic privacy reform bill: Senate Judiciary Committee Michigan panel hosts a hearing today on no-fault …

http://www.rstreet.org/2013/04/25/r-streets-morning-round-up-for-april-25-2013/

Fraud is Michigan’s ‘other’ auto insurance problem

Apr 24, 2013…As legislative work picks up in earnest on Michigan Gov. Rick Snyder’s plan to reform the state’s woeful no-fault auto insurance system, we wanted to call attention to …

http://www.rstreet.org/2013/04/24/fraud-is-michigans-other-auto-insurance-problem/

R Street’s morning round-up for April 24, 2013

… Yesterday's hack of the Associated Press Twitter account briefly erased $200 billion in market value: Wall Street Journal Left-right coalition pushes for property insurance reform in Florida: Tallahassee Democrat George …

http://www.rstreet.org/2013/04/24/3483/

R Street’s morning round-up for April 23, 2013

Apr 23, 2013… Conservatives are spearheading criminal justice reform in the states: Washington Free Beacon The Internet sales tax will hit consumers: The Foundry Daily Beast's Megan McArdle asks, how much did shutting …

http://www.rstreet.org/2013/04/23/r-streets-morning-round-up-for-april-23-2013/

Electronic privacy law is due for an update

…As the intense debate over S. 743, the so-called "Marketplace Fairness Act," progresses in the Senate, Internet activists and privacy advocates should remember that the MFA isn’t the …

http://www.rstreet.org/2013/04/23/electronic-privacy-law-is-due-for-an-update/

R Street’s morning round-up for April 22, 2013

Apr 22, 2013… Boston Marathon bombings could influence terror insurance debate: Politico Doyle McManus makes bipartisan case for carbon tax: Los Angeles Times Thomas Friedman makes the case for a carbon tax: New …

http://www.rstreet.org/2013/04/22/r-streets-morning-round-up-for-april-22-2013/

Texas House passes ban on texting

Apr 19, 2013…Rarely do Texas trial lawyers and "red mea"t Republicans find common ground. But they did this week on the Texas House floor during the statewide texting-while-driving ban debate. A …

http://www.rstreet.org/2013/04/19/texas-house-passes-ban-on-texting/

R Street’s morning round-up for April 19, 2013

… Boston under lock-down as one suspect dead, another on the run in Marathon bombings: New York Times Over leadership objections, House Ag chair says Farm Bill will be marked …

http://www.rstreet.org/2013/04/19/r-streets-morning-round-up-for-april-19-2013/

Could this be the year for no-fault reform in Michigan?

Apr 18, 2013…Maybe the Michigan auto insurance law was "essential" when it became law, but in the last four decades it has become luxurious compared to all other states. Gov. …

http://www.rstreet.org/2013/04/18/could-this-be-the-year-for-no-fault-reform-in-michigan/

R Street’s morning round-up for April 18, 2013

… Harry Reid is trying to move the Internet sales tax bill straight to the Senate floor: The Hill Boston bombings might not be covered by federal terror insurance backstop: …

http://www.rstreet.org/2013/04/18/r-streets-morning-round-up-for-april-18-2013/

Conservatives need a ‘head start’ on income inequality

…No one doubts the unfortunate outcomes that many children from lower-income households face: lower high school  and college graduation rates, reduced earnings and higher rates of out-of-wedlock birth, …

http://www.rstreet.org/2013/04/18/conservatives-need-a-head-start-on-income-inequality/

REMINDER: Conservative groups oppose so-called “Marketplace Fairness Act”

Apr 17, 2013…After a sham vote during the debate over its budget resolution, Senate Majority Leader Harry Reid (D-NV) has apparently decided to engage ludicrous speed on the egregiously flawed legislation known …

http://www.rstreet.org/2013/04/17/reminder-conservative-groups-oppose-so-called-marketplace-fairness-act/

R Street’s morning round-up for April 17, 2013

… Florida Citizens reform bill pulled from Senate vote at 11th hour; sponsor says he has the votes: Miami Herald Sponsor of Fla Cat Fund reform bill, headed to House …

http://www.rstreet.org/2013/04/17/r-streets-morning-round-up-for-april-17-2013/

North Carolina’s auto insurance system badly needs an upgrade

Apr 16, 2013…It’s easy to understand why many North Carolinians are skeptical of proposals to change how the state regulates auto insurance. In a state where homeowners insurance rates are …

http://www.rstreet.org/2013/04/16/north-carolinas-auto-insurance-system-badly-needs-an-upgrade/

R Street’s morning round-up for April 16, 2013

… Insurance Information Institute President Bob Hartwig narrowly missed Boston Marathon blasts: PropertyCasualty360 Jersey congressmen introduce bill to slow NFIP's move to be actuarially sound: Philadelphia Inquirer Texas panel votes today …

http://www.rstreet.org/2013/04/16/r-streets-morning-round-up-for-april-16-2013/

R Street’s morning round-up for April 15, 2013

Apr 15, 2013… It's April 15. Our advice to those who die, declare the pennies on your eyes: The Beatles Only 55% of Americans think their tax bills are fair, lowest since …

http://www.rstreet.org/2013/04/15/r-streets-morning-round-up-for-april-15-2013/

R Street’s morning round-up for April 12, 2013

Apr 12, 2013… Why Don't We Eliminate Farm Subsidies?: Daily Beast Federal rules put up obstacles to private flood insurance: ClimateWire Obama budget sparks debate over insurance affordability: PropertyCasualty360 Bill to overhaul Florida Citizens …

http://www.rstreet.org/2013/04/12/r-streets-morning-round-up-for-april-12-2013/

TARP report shows banks failed to boost small business lending

Apr 11, 2013…Forcing banks to lend to small businesses via the Troubled Asset Relief Program was simply never going to work, and now the evidence is in: on Tuesday, TARP’s …

http://www.rstreet.org/2013/04/11/tarp-report-shows-banks-failed-to-boost-small-business-lending/

R Street’s morning round-up for April 11, 2013

… Illinois House panel hosts hearing on tobacco harm reduction: Chicago Sun-Times FHA's  operations are impediment to sustainable housing finance system: House Financial Services Committee U.S. Rep. Gary Miller, R-Calif., is …

http://www.rstreet.org/2013/04/11/r-streets-morning-round-up-for-april-11-2013/

Senate water bill deserves serious scrutiny

Apr 10, 2013… April 10, 2013 Dear Senator: We write urging greater scrutiny of misguided and potentially costly provisions in S.601, the Water Resources Development Act of 2013. It is our understanding that …

http://www.rstreet.org/2013/04/10/senate-water-bill-deserves-serious-scrutiny/

R Street’s morning round-up for April 10, 2013

… Coastal redevelopment is costly, wasteful and environmentally destructive: New York Times The White House unveils its 2014 Fiscal Year budget, includes cuts to crop insurance subsidies: OMB Europe could be …

http://www.rstreet.org/2013/04/10/r-streets-morning-round-up-for-april-10/

R Street’s morning round-up for April 9, 2013

Apr 9, 2013… Senate Finance Committee Chairman Max Baucus, D-Mont., plans to have a tax reform package ready to move by the August recess: Washington Post The Florida Hurricane Catastrophe Fund is …

http://www.rstreet.org/2013/04/09/r-streets-morning-round-up-for-april-9-2013/

FDA lifts restrictions on OTC nicotine replacement therapies

Apr 8, 2013…In a truly stunning announcement, last week, the U.S. Food and Drug Administration announced its intention to lift many restrictions on labeling of over-the-counter Nicotine Replacement Therapy drugs; …

http://www.rstreet.org/2013/04/08/fda-lifts-restrictions-on-otc-nicotine-replacement-therapies/

Columbus makes ICF’s ‘Significant Seven’

Apr 5, 2013…As we prepare to celebrate the conclusion of the most popular national sports tournament in this country, the Intelligent Community Forum has picked my hometown, Columbus, Ohio, as …

http://www.rstreet.org/2013/04/05/columbus-makes-icfs-significant-seven/

North Carolina’s ‘other’ auto insurance market

Mar 27, 2013…I've already covered in these pages some of the things the editorial pages of North Carolina's leading newspapers are getting wrong about S.B. 154, legislation to modernize the …

http://www.rstreet.org/2013/03/27/north-carolinas-other-auto-insurance-market/

FIGA reforms should increase flexibility, not eliminate it

Mar 25, 2013…When it comes to property insurance reform in Florida, everyone is basically focused on proposals that deal with the Florida Hurricane Catastrophe Fund, Citizens Property Insurance Corp. and …

http://www.rstreet.org/2013/03/25/figa-reforms-should-increase-flexibility-not-eliminate-it/

From March Madness to the Hunger Games

…I was in North Carolina last week. North Carolina is, I believe the only state in the union where the Monday after Easter is a state holiday to …

http://www.rstreet.org/2013/03/25/from-march-madness-to-the-hunger-games/

Jersey pols shill for the NFIP’s three-card monte

Mar 22, 2013…My home state of New Jersey has been the scene of a number of historic events over the years, both famous and infamous: the invention of the incandescent …

http://www.rstreet.org/2013/03/22/jersey-pols-shill-for-the-nfips-three-card-monte/

Dialogue, stakeholders and the future of tobacco control

Mar 20, 2013…In a Jan. 31 BMJ blog post, Dr. Ruth Malone, editor of Tobacco Control, excoriated the Food and Drug Administration for proposing "facilitated dialogue" with the "tobacco industry." …

http://www.rstreet.org/2013/03/20/dialogue-stakeholders-and-the-future-of-tobacco-control/

With rates expected to drop, Cat Fund reform a no-brainer

Mar 18, 2013…For four out of the last seven years, the Florida Hurricane Catastrophe Fund has been projected to have a shortfall should a major hurricane impact the state and …

http://www.rstreet.org/2013/03/18/with-rates-expected-to-drop-cat-fund-reform-a-no-brainer/

The “Deficit-Neutral Reserve Fund” Game to Corner Conservatives on Internet Sales Taxes

…Later this week, the Senate is likely to vote on a "deficit-neutral reserve fund" amendment regarding internet sales taxes, couched in terms of state sales and use tax …

http://www.rstreet.org/2013/03/18/the-deficit-neutral-reserve-fund-game-to-corner-conservatives-on-internet-sales-taxes/

A less lively CPAC

Mar 15, 2013…The Conservative Political Action Conference is clearly not as energized as last year, due largely to the intervening national election, which  many of these folks had thought would …

http://www.rstreet.org/2013/03/15/a-less-lively-cpac/

A response to ‘Stubbing Out Cigarettes for Good’

Mar 13, 2013…Earlier this month, the New York Times published and op-ed penned by Richard Daynard of Northeastern University titled “Stubbing out Cigarettes for Good.” Professor Daynard is president of …

http://www.rstreet.org/2013/03/13/a-response-to-stubbing-out-cigarettes-for-good/

AIF map confirms Citizens not the leading writer in most Florida districts

Mar 12, 2013…The debate over how to reform Florida's Citizens Property Insurance Corp. has been a years-long and arduous political battle. Despite its original mission to act as Florida's insurer-of-last-resort, …

http://www.rstreet.org/2013/03/12/aif-map-confirms-citizens-not-the-leading-writer-in-most-florida-districts/

Breaking up North Carolina’s auto insurance cartel

…Legislation to break up North Carolina’s rate bureau cartel and bring the state’s auto insurance market into the 21st Century has now been introduced in both houses of …

http://www.rstreet.org/2013/03/12/breaking-up-north-carolinas-auto-insurance-cartel/

A step from the left on entitlement reform

Mar 11, 2013…Isabel Sawhill and Harry Holzer correctly identify the cost to society (and also in terms of reduced government services) that's created by soaring entitlement costs in their Washington Post …

http://www.rstreet.org/2013/03/11/a-step-from-the-left-on-entitlement-reform/

Who navigates Obamacare’s navigators?

Mar 8, 2013…The federal Patient Protection and Affordable Care Act was passed to address both the cost of medical treatment through insurance and the fact that many people didn't have …

http://www.rstreet.org/2013/03/08/who-navigates-obamacares-navigators/

Moylan on Internet sales tax fight

… Senior Fellow Andrew Moylan appeared on the Huffington Post's HuffPost Live program to discuss Internet sales taxes as part of a "Google Hangout" panel that also included Huffington …

http://www.rstreet.org/2013/03/08/moylan-on-internet-sales-tax-fight/

Western Europe’s demographic time bomb leaves its leaders with few choices

Mar 6, 2013…Joseph Chamie, who recently retired as the chief demographer for the United Nations, has a new piece out that lays out in stark terms the choices that not …

http://www.rstreet.org/2013/03/06/western-europes-demographic-time-bomb-leaves-its-leaders-with-few-choices/

Not deciding is a decision

Mar 1, 2013…Those who are following the great sequestration drama might get the impression that, while this kind of federal budget management is not ideal, at least something will be …

http://www.rstreet.org/2013/03/01/not-deciding-is-a-decision/

Texas bills look to address mitigation, wind pool

Feb 28, 2013…This week, two important pieces of legislation began moving through the Texas Legislature. H.B. 1890 was filed by Rep. Phil Stephenson, R-Wharton, and S.B. 784 by Sen. Juan …

http://www.rstreet.org/2013/02/28/texas-bills-look-to-address-mitigation-wind-pool/

Defending deferral

Feb 26, 2013…National Public Radio’s Marketplace This Morning recently ran a piece on its show highlighting an in-depth investigation by the Center for Investigative Reporting that focused on the ability …

http://www.rstreet.org/2013/02/26/defending-deferral/

More good news/bad news for Florida insurance market

…Floridians would face about $7.19 billion in post-hurricane taxes to make up the funding shortfalls of state-run Citizens Property Insurance Corp. and the Florida Hurricane Catastrophe Fund should …

http://www.rstreet.org/2013/02/26/more-good-newsbad-news-for-florida-insurance-market/

Good news now, question marks later, for Fla. Citizens

Feb 22, 2013…Coming on the heels of a major deal that transferred 31,000 coastal policies and $30 billion in gross exposure to private start-up Weston Insurance Co., Florida’s state-run Citizens …

http://www.rstreet.org/2013/02/22/good-news-now-question-marks-later-for-fla-citizens/

Michigan’s unlimited auto insurance, revisited

Feb 21, 2013…Most of the attempts to fix Michigan’s long-time Essential Insurance Act have ended as spectacularly as the meteor which exploded over the Ural Mountains town of Chelyabinsk a …

http://www.rstreet.org/2013/02/21/michigans-unlimited-auto-insurance-revisited/

Republicans and civil rights: Michigan edition

Feb 19, 2013…This coming Sunday, the Academy of Motion Picture Arts and Sciences will award its annual Oscars, with Steven Spielberg’s acclaimed “Lincoln” -- a look at the 16th president’s …

http://www.rstreet.org/2013/02/19/republicans-and-civil-rights-michigan-edition/

Ghost of Charlie Crist haunts insurance reform

Feb 14, 2013…It has been more than two years since the adults regained control of Florida, yet the specter of the Charlie Crist days of demagoguery, populism-at-any-cost and overall political …

http://www.rstreet.org/2013/02/14/ghost-of-charlie-crist-haunts-insurance-reform/

Conservatives should run, not walk, away from so-called ‘Marketplace Fairness Act’

…Despite what its supporters claim, the reintroduced “Marketplace Fairness Act” is bad news for conservative principles and limited government. If it were to pass, it would tear down …

http://www.rstreet.org/2013/02/14/conservatives-should-run-not-walk-away-from-the-so-called-marketplace-fairness-act/

Texas panel gives insurers more time to answer regulatory requests

Feb 12, 2013…The Texas Senate Business and Commerce Committee heard testimony on S.B. 183 this morning.  The bill establishes a more reasonable period of time for private insurance companies to …

http://www.rstreet.org/2013/02/12/texas-panel-considers-giving-insurers-more-time-to-answer-regulatory-requests/

Why John Harbaugh’s job is easier than John Kasich’s

Feb 8, 2013…A great source of frustration to me when I worked in corporate America was that the people I worked with and who lived in my community would organize …

http://www.rstreet.org/2013/02/08/why-john-harbaughs-job-is-easier-than-john-kasichs/

Chamber poll suggests Floridians want their state out of the insurance business

Feb 7, 2013…Floridians believe their state should stay out of the insurance business, rather than supporting a state-run insurance company, according to a recent poll sponsored by the Florida Chamber …

http://www.rstreet.org/2013/02/07/chamber-poll-suggests-floridians-want-their-state-out-of-the-insurance-business/

Keeping up with the Texas Legislature

Feb 2, 2013…Want to keep up with the Texas Legislature? If you are into high tech toys, then you are in luck. These are a few of my favorite tech things... On …

http://www.rstreet.org/2013/02/02/2848/

Federal bailout of Florida is far from a sure thing

Feb 1, 2013…As Florida’s 2013 legislative session draws near, state lawmakers once again are preparing to examine reforms to the Sunshine State’s property insurance system. Most notable, of course, are …

http://www.rstreet.org/2013/02/01/federal-bailout-of-florida-is-far-from-a-sure-thing/

Fla. Gov. Scott unveils $74.2B budget

Jan 31, 2013…Gov. Rick Scott this week unveiled his long-awaited Fiscal Year 2013-14 budget. Thanks to expected revenue increases, Scott and state legislators will not have to grapple with a …

http://www.rstreet.org/2013/01/31/fla-gov-scott-unveils-74-2b-budget/

Why school choice matters

Jan 28, 2013…"You’d better cut the pizza in four pieces, because I’m not hungry enough to eat six.” – Yogi Berra Under the headline “Does it Matter if it’s Real?” the …

http://www.rstreet.org/2013/01/28/why-school-choice-matters/

Florida Senate committee hears property insurance reform proposals

Jan 25, 2013…The Florida Legislature ended two weeks of interim committee hearings this today with various hot-button issues addressed.  One that we at R Street follow very closely is the …

http://www.rstreet.org/2013/01/25/florida-senate-committee-hears-property-insurance-reform-proposals/

Luck of the draw

Jan 24, 2013…Yesterday, Texas state senators drew lots to determine if they would serve a two- or four-year term before defending their seats at the ballot box again. One of the …

http://www.rstreet.org/2013/01/24/the-luck-of-the-draw/

Public adjuster threatens lawsuit against Florida blogger

Jan 18, 2013…As our regular readers may recall, last month we reported a revealing set of findings by a Florida blog that connected a handful of plaintiffs' law firms to the vast majority …

http://www.rstreet.org/2013/01/18/public-adjuster-threatens-lawsuit-against-florida-blogger/

Hawaii’s Legislature hopes to avoid new taxes

…Having already witnessed the inauguration of President Barack Obama the first time around, I opted this week instead to attend the opening day of the newly elected Hawaiian …

http://www.rstreet.org/2013/01/18/hawaiis-legislature-hopes-to-avoid-new-taxes/

Finding a path for pot in the post-criminal world

Jan 13, 2013…Pot smokers with no medical justification finally broke through in November in a couple of states where citizen-initiated lawmaking allowed the state’s voters to decide to allow recreational marijuana …

http://www.rstreet.org/2013/01/13/finding-a-path-for-hemp-in-the-post-criminal-world/

Texas lawmakers already looking to raid Rainy Day Fund

Jan 11, 2013…Swearing in for the Texas Legislature will open with a sunnier financial outlook than previously expected. State Comptroller Susan Combs announced a $101.4 billion revenue estimate for the …

http://www.rstreet.org/2013/01/11/2704/

Fla. state Rep. Wood: Fix Citizens now!

Jan 10, 2013…Florida state Rep. John Wood, R-Winter Haven, notes in today's edition of the Sun-Sentinel that the feds aren't the only ones dealing with a "fiscal cliff." So long …

http://www.rstreet.org/2013/01/10/fla-state-rep-wood-fix-citizens-now/

Government-owned broadband networks a headache for their owners

Jan 9, 2013…Last year the R Street Institute expressed serious concerns with a proposed government-owned broadband network (GON) project in southwest Florida. After attending a public input workshop organized by …

http://www.rstreet.org/2013/01/09/government-owned-broadband-networks-a-headache-for-its-owners/

Panel offers plan for New York to prepare for catastrophes

Jan 8, 2013…New York State's NYS 2100 Commission, created by Gov. Andrew Cuomo in the wake of Hurricane Sandy to offer recommendations on ways to better prepare for natural disasters, …

http://www.rstreet.org/2013/01/08/panel-offers-plan-for-new-york-to-prepare-for-catastrophes/

Picking up the tab

Jan 3, 2013…"There is no reason for me, at the moment, to believe anything they tell me,” said New Jersey Gov. Chris Christie of his party’s congressional leadership at a …

http://www.rstreet.org/2013/01/03/picking-up-the-tab/

Usage-based auto insurance

Jan 2, 2013…If you have been watching any of the bowl ads on TV recently, you may have seen a push for usage-based auto insurance. Voluntary data collection is the …

http://www.rstreet.org/2013/01/02/usage-based-auto-insurance/

Funds needed for a rainy day

Dec 27, 2012…Though Texas escaped another hurricane season without a catastrophic event, a big storm is brewing at the Capitol over how to fund the state’s windstorm pool. The current funding …

http://www.rstreet.org/2012/12/27/funds-needed-for-a-rainy-day/

Happy Holidays from the R Street Institute!

Dec 24, 2012…While we at R Street continue to have our eyes and ears open for significant developments at both the state and federal level in this final week of …

http://www.rstreet.org/2012/12/24/happy-holidays-from-the-r-street-institute/

Charlie and the politics factory

Dec 21, 2012…Just when Floridians thought crazy state politics were about over for the year, in comes Charlie Crist.  I’m sure all the coverage surrounding him during the past two …

http://www.rstreet.org/2012/12/21/charlie-and-the-politics-factory/

I surrender

…I would like to officially announce that I have given up any hope that anyone is going to inject a modicum of rationality into the discussion on the …

http://www.rstreet.org/2012/12/21/i-surrender/

Follow the money on opponents of Citizens reform

Dec 19, 2012…We at R Street recently came across a blog post by Johnson Strategies, LLC that sheds light on the apparent motivations of many opponents to property insurance reform …

http://www.rstreet.org/2012/12/19/follow-the-money-on-opponents-of-citizens-reform/

States are getting more partisan, and more cooperative

Dec 17, 2012…This space has often compared what is going on in Washington to what is happening at the state level.  Most of the policy served out of Washington would …

http://www.rstreet.org/2012/12/17/states-are-getting-more-partisan-and-more-cooperative/

TAG…you’re out!

Dec 13, 2012…In what proved to be a bit of a surprise to veteran Capitol Hill watchers -- a pleasant one, from our perspective -- a planned U.S. Senate vote …

http://www.rstreet.org/2012/12/13/tag-youre-out/

Over the cliff

Dec 5, 2012…According to a report from the only living person who has done a federal sequestering of funds at the U.S. Office of Management and Budget (last done in …

http://www.rstreet.org/2012/12/05/over-the-cliff/

A Christmas wish for small business: More credit, please

Dec 3, 2012…It’s no secret that small businesses across America, as of late, have had to adapt or die.  They have been tightening-up operations, becoming leaner and more efficient, awaiting …

http://www.rstreet.org/2012/12/03/a-christmas-wish-for-small-business-more-credit-please/

Internet Sales Tax Threat Grows Larger

Nov 30, 2012…The threat of Congress passing damaging Internet sales tax collection legislation grew larger this week, as Senator Dick Durbin (D-IL) has filed his Marketplace Fairness Act as an …

http://www.rstreet.org/2012/11/30/internet-sales-tax-threat-grows-larger/

Record drought leads to…lower crop insurance premiums?

Nov 28, 2012…The Department of Agriculture's Risk Management Agency, the entity which administers crop insurance for farmers across the country, just released word that premiums are actually going down for a …

http://www.rstreet.org/2012/11/28/record-drought-leads-to-lower-crop-insurance-premiums/

Heartland’s Stanek on the ‘Beach House Bailout’

Nov 27, 2012…Our old colleague at the Heartland Institute, Steve Stanek, has a great piece this week in The Washington Times on the laughably named "Taxpayer Protection Act," the latest …

http://www.rstreet.org/2012/11/27/heartlands-stanek-on-the-beach-house-bailout/

Eli Lehrer featured on the Insurance Journal podcast

Nov 23, 2012…R Street President Eli Lehrer was interviewed by Andy Simpson of Insurance Journal for IJ's podcast about the results of the 2012 elections and how they bode for …

http://www.rstreet.org/2012/11/23/eli-lehrer-featured-on-the-insurance-journal-podcast/

David Frum’s Why Romney Lost

Nov 22, 2012…Today is Thanksgiving, which usually marks the beginning of the Christmas season. As merry shoppers prepare to brave the fulsome crowds to take advantage of Black Friday deals, …

http://www.rstreet.org/2012/11/22/david-frums-why-romney-lost/

For NFIP, when is a loan not a loan?

Nov 21, 2012…The White House and U.S. Department of Homeland Security are expected to come forward in the coming days or weeks with a request to raise the National Flood …

http://www.rstreet.org/2012/11/21/for-nfip-when-is-a-loan-not-a-loan/

After elections, time to address long-term issues

Nov 15, 2012…With this election winding down to the final provisional and absentee ballot-counting in the seats too close to determine a winner on Election Day, there are a few …

http://www.rstreet.org/2012/11/15/after-elections-time-to-address-long-term-issues/

Florida election results rattle Republicans

Nov 9, 2012…The elections have come and gone and, needless to say, there were a few surprises.  Florida, for example, was widely expected to award its 29 electoral votes to …

http://www.rstreet.org/2012/11/09/florida-election-results-rattle-republicans/

The room is getting smokier on Internet sales taxes

…I recently wrote about what I called the "smoky room" strategy to pass Internet sales tax collection legislation in Congress. I worried out loud about an effort by …

http://www.rstreet.org/2012/11/09/the-room-is-getting-smokier-on-internet-sales-taxes/

The blue in Texas

Nov 7, 2012…Though the GOP easily held its majority in both the Texas House and the Senate, Democrats landed major victories to secure their voice will be heard in the …

http://www.rstreet.org/2012/11/07/the-blue-in-texas/

The coming election

Nov 5, 2012…Since Ohio makes the news on a regular basis in any election year expected to be a close contest for the presidency, everywhere I go people are asking …

http://www.rstreet.org/2012/11/05/the-coming-election/

After Superstorm Sandy, a national catastrophe fund is still a bad idea

Nov 3, 2012…The flood waters from Superstorm Sandy had not yet receded and her winds had not yet calmed before politicians and media types took the opportunity to resume their …

http://www.rstreet.org/2012/11/03/2220/

Slate takes note of conservation compliance

Nov 1, 2012…Slate's Daniel Imhoff has taken a look at the 700-page monstrosity that is the Farm Bill and noticed some of the same things we have -- notably it's …

http://www.rstreet.org/2012/11/01/slate-takes-note-of-conservation-compliance/

Moylan on the ‘Beach House Bailout’

Oct 30, 2012…R Street Outreach Director and Senior Fellow Andrew Moylan recently sat down with the Heartland Institute's Steve Stanek to record a podcast on the ironically titled "Taxpayer Protection …

http://www.rstreet.org/2012/10/30/moylan-on-the-beach-house-bailout/

Hurricane Sandy advice from a Floridian

Oct 29, 2012…Some tips from a Florida veteran of several storms: Charge all your electronic devices fully (mobile telephones, laptops, etc.). If you're lucky, you may have a cell signal even …

http://www.rstreet.org/2012/10/29/hurricane-sandy-advice-from-a-floridian/

Hail to the vanquished

Oct 26, 2012…Even in the middle of the college football season, a lifelong Buckeye has to look at the proposed “economic death warrant” that could be signed by the voters …

http://www.rstreet.org/2012/10/26/hail-to-the-vanquished/

Distractions

Oct 25, 2012…An internal email sent back in July by Insurance Commissioner Eleanor Kitzman is keeping lawmakers from focusing on productive steps to reforming the troubled Texas Windstorm Insurance Association …

http://www.rstreet.org/2012/10/25/distractions/

Fla. Citizens picks odd moment to sack ‘integrity’ office

Oct 24, 2012…Despite headlines being dominated by the ever-tightening presidential election, Citizens Property Insurance Corp. continues to make news in Florida.  Last week, Citizens announced that it was eliminating its …

http://www.rstreet.org/2012/10/24/fla-citizens-picks-odd-moment-to-sack-integrity-office/

What we are and aren’t getting out of the debates

Oct 19, 2012…A 21-year-old Bangladeshi man tried to blow up the building next to where my children live yesterday.  He was sent to our country on a student visa by …

http://www.rstreet.org/2012/10/19/what-we-are-and-arent-getting-out-of-the-debates/

Eli Lehrer on the Farm Bill at HuffPost Live

…R Street President Eli Lehrer takes part in a panel discussion at HuffPost Live on the 2012 Farm Bill, which Congress failed to pass before the existing bill's …

http://www.rstreet.org/2012/10/19/eli-lehrer-on-the-farm-bill-at-huffpost-live/

Stadium subsidies: dumb idea or dumbest idea?

Oct 18, 2012…The multi-billionaire owner of minor league baseball's Reno Aces (everyone's heard of them, right?) wants city and county taxpayers to fork over $1.5 million per year to pay …

http://www.rstreet.org/2012/10/18/stadium-subsidies-dumb-idea-or-dumbest-idea/

Andrew Moylan on wasteful spending at the Pentagon and the free market

Oct 12, 2012…R Street Outreach Director Andrew Moylan joins Michael Ostrolenk in a discussion on the misallocation of resources at the Pentagon and how free-market supporters need to support cuts. …

http://www.rstreet.org/2012/10/12/andrew-moylan-on-wasteful-spending-at-the-pentagon-and-the-free-market/

Big idUS in Columbus

Oct 10, 2012…Hats off to Columbus for celebrating its 200th anniversary!  There are perhaps dozens of different ways to do a birthday party, and part of the festivity for the …

http://www.rstreet.org/2012/10/10/big-idus-in-columbus/

Citizens CEO responds to critics of surplus notes plan

Oct 5, 2012…Floridians are getting more and more used to seeing Citizens Property Insurance Corp. pop up in the news lately.  This week, Florida’s Office of Insurance Regulation granted Citizens …

http://www.rstreet.org/2012/10/05/citizens-ceo-responds-to-critics-of-surplus-notes-plan/

Fla. Citizens’ surplus note depopulation draws broad coalition support

Oct 4, 2012…A coalition of business and consumer interests are pushing for rapid approval of a plan floated by Citizens Property Insurance Corp. to speed its depopulation efforts by offering …

http://www.rstreet.org/2012/10/04/fla-citizens-surplus-note-depopulation-draws-broad-coalition-support/

Recommendations for TWIA improvement go unheeded

Oct 3, 2012…In response to the question of how to adequately fund the Texas Windstorm Insurance Association (TWIA), the Texas Department of Insurance hired Alvarez & Marsal Insurance Advisory Services …

http://www.rstreet.org/2012/10/03/recommendations-for-improvement-go-unheaded/

The smoky room strategy on Internet sales tax collection

Oct 2, 2012…In my first post here at R Street, I'm going to continue beating a drum that I spent a lot of time pounding in my prior work at the National …

http://www.rstreet.org/2012/10/02/the-smoky-room-strategy-on-internet-sales-tax-collection/

Rate hikes approved for Florida Citizens

…The Florida Office of Insurance Regulation has approved rate increases for Citizens Property Insurance Corp.’s homeowners policies just slightly below the rates the state-sponsored insurer was seeking. The new …

http://www.rstreet.org/2012/10/02/rate-hikes-approved-for-florida-citizens/

Ohio’s ‘fair’ elections question

Sep 28, 2012…Ohio voters once again enjoy the opportunity to make a huge policy change through this year's Issue 2 on the general election ballot. In the last general election, …

http://www.rstreet.org/2012/09/28/ohios-fair-elections-question/

Newsflash: Consumers prefer free auto insurance (and other stuff too)

…Our friends at the Consumer Federation of America have issued yet another shocking new study. This one shows something that’s truly nefarious: that auto insurers use things like …

http://www.rstreet.org/2012/09/28/newsflash-consumers-prefer-free-auto-insurance-and-other-stuff-too/

R Street’s Peter Cramton on Medicare’s bizarre auction process

Sep 25, 2012… The above video includes R Street Associate Fellow Peter  Cramton, professor of economics at the University of Maryland and one of the nation's foremost experts in auction theory, …

http://www.rstreet.org/2012/09/25/r-streets-peter-cramton-on-medicares-bizarre-auction-process/

The ‘R’ word – responsibility

Sep 21, 2012…When I was engaged full-time in law enforcement, I was once searching a house pursuant to a federal warrant. While I was looking for evidence of the federal …

http://www.rstreet.org/2012/09/21/the-r-word-responsibility/

Florida doesn’t need government broadband to stay connected

Sep 20, 2012…Government overreach into the broadband market has recently become increasingly popular in the Sunshine State. According to a recent report from the National Taxpayers Union (NTU), cities, counties …

http://www.rstreet.org/2012/09/20/florida-doesnt-need-government-broadband-to-stay-connected/

Texas lawmakers gear up for pension reform battle

…The battle lines are being drawn in Austin over public pensions in anticipation of a budgetary fight during Texas' next legislative session. At last week’s hearing of the House …

http://www.rstreet.org/2012/09/20/1860/

Taking the middle road on pension reform in Ohio

Sep 14, 2012…"Proposals’ goal: avoid insolvency" was the kicker under the headline last week in the Columbus Dispatch reporting that representatives of all five of Ohio’s public pension systems had …

http://www.rstreet.org/2012/09/14/taking-the-middle-road-on-pension-reform-in-ohio/

Texas seacoast panel finds TWIA solutions hard to find

…During the first hearing of Texas' Joint Seacoast Territory Insurance Committee earlier this week, three different insurance-related agencies unequivocally told lawmakers the Texas Windstorm Insurance Association was not …

http://www.rstreet.org/2012/09/14/1807/

Access to Capital for Small Business – The Hill’s Video

Sep 13, 2012… The video features the Sept. 12 seminar on small business access to capital hosted by The Hill, and featuring talks by Sen. Mark Udall, D-Colo., and Rep. Ed …

http://www.rstreet.org/2012/09/13/access-to-capital-for-small-business-the-hills-video/

Better than a stick in the eye, but not by much

…A few days back, Florida's troubled Citizens Property Insurance Corp. announced a plan to "depopulate" its book of business through a program of loans to well-capitalized insurers. On its …

http://www.rstreet.org/2012/09/13/better-than-a-stick-in-the-eye-but-not-by-much/

Our live-tweeting of today’s hearing on the Terrorism Risk Insurance Act

Sep 11, 2012…For those of you who don't yet follow us on Twitter, here is a read-out of our live-feed of today's House Financial Services Subcommittee on Insurance, Housing and …

http://www.rstreet.org/2012/09/11/our-live-tweeting-of-todays-hearing-on-the-terrorism-risk-insurance-act/

Fla. Citizens posts depopulation plan

Sep 7, 2012…The depopulation committee of Florida’s Citizens Property Insurance Corp. unveiled a plan yesterday designed to transfer about a third of the state-run insurer’s 1.4 million policies to …

http://www.rstreet.org/2012/09/07/fla-citizens-posts-depopulation-plan/

Watching the debt pile up

…Watching the Republican and Democratic conventions the last few days is not exactly reassuring to those of us who have been watching what is going on in Washington …

http://www.rstreet.org/2012/09/07/watching-the-debt-pile-up/

Criminal investigation launched over Hurricane Ike claim

…Texas homeowner Jim Warner has been locked in a legal battle with State Farm over denial of insurance claims for the damages to his home from Hurricane Ike. …

http://www.rstreet.org/2012/09/07/criminal-investigation-launched-over-hurricane-ike-claim/

Let the Wind Production Tax Credit expire!

Sep 6, 2012…The following letter was submitted Sept. 6 by R Street and 63 other allied organizations to every member of Congress. September 6, 2012 Dear United States Senators and Representatives: The principal …

http://www.rstreet.org/2012/09/06/let-the-wind-production-tax-credit-expire/

Donelon: La. Citizens’ Isaac claims less than $75M

Sep 5, 2012…It appears that Louisiana Citizens Property Insurance Corp. may not have to draw on its Pelican Re catastrophe bond, after all. In an interview with The (Baton Rouge) Advocate, …

http://www.rstreet.org/2012/09/05/donelon-la-citizens-claims-should-be-less-than-75m/

Immigration and the GOP Convention

Aug 31, 2012…A couple of weeks ago, my wife and I took a young Peruvian friend down to the federal courthouse to receive his naturalized American citizenship. I was thinking …

http://www.rstreet.org/2012/08/31/immigration-and-the-gop-convention/

Texas state senator asks governor to sack insurance commish

…Texas state Sen. Wendy Davis, D-Fort Worth, is calling on Gov. Rick Perry to replace Insurance Commissioner Eleanor Kitzman, charging that in the year since she was appointed …

http://www.rstreet.org/2012/08/31/texas-state-senator-asks-governor-to-sack-insurance-commish/

Wind-water dispute reform arrives too late for Isaac claims

Aug 28, 2012…As the Gulf Coast braces for Hurricane Isaac, one hopes the region will avoid not only the massive destruction wrought by Hurricane Katrina eight years ago, but also …

http://www.rstreet.org/2012/08/28/wind-water-dispute-reform-arrives-too-late-for-isaac-claims/

Fla. Citizens dodges Isaac; La. Citizens may not be so lucky

Aug 27, 2012…Florida’s Citizens Property Insurance Corp. can now breath a major sigh of relief, as Tropical Storm Isaac delivered just a glancing blow to South Florida and the Keys …

http://www.rstreet.org/2012/08/27/fla-citizens-dodges-isaac-la-citizens-may-not-be-so-lucky/

Tracking Texas transparency

…Transparency has been a key concept not only throughout this election cycle, but in the upcoming budget fight at the Texas Capitol. Where does public money come from, …

http://www.rstreet.org/2012/08/27/texas-transparency/

Penny-wise and billion-pound-foolish in Florida

Aug 24, 2012…According to its official tourism marketing corporation, the State of Florida welcomed 87.3 million visitors in 2011, whose $67.2 billion of spending generated nearly a quarter of …

http://www.rstreet.org/2012/08/24/penny-wise-and-billion-pound-foolish-in-florida/

Will we have a debt debate?

Aug 23, 2012…I see that “grown-up” is still in the dictionary, having been joined this year by “aha moment”, “game-changer” and “f-bomb.”  But finding real honest-to-goodness grown-ups in the political …

http://www.rstreet.org/2012/08/23/will-we-have-a-debt-debate/

On eve of Andrew anniversary, Florida turns eyes to Isaac

Aug 22, 2012…This week marks the 20th anniversary of Hurricane Andrew, which made landfall Aug. 24 as a Category 5 storm in Elliott Key and Homestead, Fla. At $15.5 billion in …

http://www.rstreet.org/2012/08/22/on-eve-of-andrew-anniversary-florida-turns-eyes-to-isaac/

Kitzman gets an earful in Corpus Christi

Aug 20, 2012…   Texas Insurance Commissioner Eleanor Kitzman is hearing an earful from the coastal community as she listens to residents’ concerns in the Corpus Christi area. Coastal occupants are complaining about …

http://www.rstreet.org/2012/08/20/kitzman-gets-an-earful-in-corpus-christi/

The Medicaid expansion standoff

Aug 16, 2012…During the national debate in 2010 on the federal health care proposal that became the Patient Protection and Affordable Care Act, I was watching one of the weekend …

http://www.rstreet.org/2012/08/16/the-medicaid-expansion-standoff/

‘Everyone in here is a millionaire’

Aug 15, 2012…That headline comes us by way of “Grandpa” Straub, a farmer from Fairbury, Ill. who also serves as the star of the latest edition of National Public Radio’s …

http://www.rstreet.org/2012/08/15/everyone-in-here-is-a-millionaire/

Will the NAIC’s CIPR survive Terri Vaughan’s departure?

Aug 14, 2012…I’ve just returned from the National Association of Insurance Commissioners’ summer meetings in Atlanta, where the big news was the announcement of NAIC CEO Terri Vaughan’s pending …

http://www.rstreet.org/2012/08/14/will-the-naics-cipr-survive-terri-vaughans-departure/

Texas commish fires back

Aug 10, 2012…Deluged by a mass-email campaign initiated by consumer group Texas Watch, state Insurance Commissioner Eleanor Kitzman responded this week with a thorough fisking of the commenters' questions, demands …

http://www.rstreet.org/2012/08/10/texas-commish-responds-to-mass-email-campaign/

Charlie Crist: The comeback governor?

…Those of us who know what drives opportunist politicians have said for a long time that former Florida Republican-turned-independent governor -- and all-around backstabber -- Charlie Crist would …

http://www.rstreet.org/2012/08/10/charlie-crist-the-comeback-governor/

Miami-Dade could repeal 23-year-old pit bull ban

Aug 9, 2012…Miami-Dade County voters will go to the polls Aug. 14 to determine the fate of a 23-year-old ban on so-called “pit bull-type” dogs, which could make it the …

http://www.rstreet.org/2012/08/09/miami-dade-could-repeal-23-year-old-pit-bull-ban/

The shifting sands of Galveston Island

Aug 8, 2012…The ever-changing coastline on Galveston Island’s West End is creating myriad dilemmas for citizens and government officials. First, beachfront landholders woke up to the fact that their once-public beaches …

http://www.rstreet.org/2012/08/08/1505/

‘All of the Above’ is not working

Aug 6, 2012…If you view, as I do, the American economy running along on two major rails – cheap energy and cheap credit – it is easy for one to …

http://www.rstreet.org/2012/08/06/all-of-the-above-is-not-working/

CEA offering shows enormous private sector interest in earthquake insurance

Aug 3, 2012…The California Earthquake Authority, which has been lobbying Congress to establish a federal backstop to its debt financing, is proving once again that it can do plenty fine …

http://www.rstreet.org/2012/08/03/cea-offering-shows-enormous-private-sector-interest-in-earthquake-insurance/

What is insurance, anyway?

Aug 2, 2012…A friend involved in the crop insurance industry recently wrote to me taking issue with a reference I had made proposed shallow loss “insurance”  (my words) program in …

http://www.rstreet.org/2012/08/02/what-is-insurance-anyway/

R Street is looking for an outreach director

Aug 1, 2012…R Street, a new free-market think tank located in Washington, D.C., is looking to hire an outreach director to coordinate its coalitions work on insurance, energy, environmental, entitlement …

http://www.rstreet.org/2012/08/01/r-street-is-looking-for-an-outreach-director/

Trailer for fascinating North Korea doc, Juche Strong

Jul 31, 2012…Juche has been described as the state religion of North Korea. Attributed to the late dictator Kim Il-sung, the Juche philosophy interpolates Marxist concepts of the deconstructed self …

http://www.rstreet.org/2012/07/31/trailer-for-fascinating-north-korea-doc-juche-strong/

Rate reform must be key to shrinking Citizens

…Albert Einstein once said "a new type of thinking is essential if mankind is to survive and move toward higher levels." Or, as it often paraphrased, we cannot solve …

http://www.rstreet.org/2012/07/31/rate-reform-must-be-key-to-shrinking-citizens/

North Carolina’s antiquated rate bureau system

Jul 26, 2012…There was a time, not so far in the distant past, when virtually all property and casualty insurance rates were calculated by industry-owned rate bureaus. It wasn’t necessarily a …

http://www.rstreet.org/2012/07/26/north-carolinas-antiquated-rate-bureau-system/

Brad Rodu on the ‘third way’ for America’s smokers

… Click the video above to listen to the full audio of R Street Institute Associate Fellow Brad Rodu discussing tobacco harm reduction earlier this year on WKU, a …

http://www.rstreet.org/2012/07/26/brad-rodu-on-the-third-way-for-americas-smokers/

Of hurricanes, insurance, mitigation and carbon taxes

Jul 25, 2012…I’m in New Orleans at a conference on Preparing the Gulf Coast for Extreme Weather. Its lead sponsor is a reinsurer; the Institute for Building and Home Safety …

http://www.rstreet.org/2012/07/25/of-hurricanes-insurance-mitigation-and-carbon-taxes/

Lying, incompetent or what?

…A few years ago following a number of major hurricanes, the public relations staff of the property casualty insurance company I was employed by at the time managed …

http://www.rstreet.org/2012/07/25/lying-incompetent-or-what/

HUD holding millions of relief dollars hostage

…Galveston Mayor Joe Jaworski is taking on U.S. Housing and Urban Development Secretary Shaun Donovan over $589 million in disaster relief funds. The federal government is threatening to …

http://www.rstreet.org/2012/07/25/hud-holding-millions-of-relief-dollars-hostage/

Hoeven’s flood bill derailed in U.S. House

Jul 24, 2012…In what turned out to be very good news for taxpayers, the environment and anyone concerned about risk mitigation, the speeding legislative train that was Sen. John Hoeven's S. …

http://www.rstreet.org/2012/07/24/hoevens-flood-bill-derailed-in-u-s-house/

Harsh medicine in South Florida

Jul 19, 2012…The Citizens Property Insurance Corp.’s governing board convened a workshop in Miami this week to address various issues facing the state-run insurer, including its inadequate rates, ballooning book …

http://www.rstreet.org/2012/07/19/harsh-medicine-in-south-florida/

The awful Hoeven levee bill

Jul 18, 2012…Mid-morning tomorrow, I’ll be attending a meeting in the office of Sen. John Hoeven, R-N.D., to debate be "educated about" the senator’s bill to exempt his state from …

http://www.rstreet.org/2012/07/18/the-awful-hoeven-levee-bill/

House pushes off North Dakota flood properties vote

Jul 17, 2012…S. 2039, Sen. John Hoeven's bill to exempt flooded North Dakota properties purchased with federal Hazard Mitigation Grant Program funds from the open space requirements of the Stafford …

http://www.rstreet.org/2012/07/17/house-pushes-off-north-dakota-flood-properties-vote/

Yes, of course, we do need a national catastrophe solution

Jul 16, 2012…The National Conference of Insurance Legislators has a tendency to be a very deliberative and, yes, dilatory, body. During the July 13 meeting of its Property-Casualty Insurance Committee …

http://www.rstreet.org/2012/07/16/yes-of-course-we-do-need-a-national-catastrophe-solution/

Texas voter ID trial wraps up

…Attorneys for the State of Texas have not been lacking for work recently. Last week, arguments in the Texas voter identification trial wrapped up in U.S. District Court  for the …

http://www.rstreet.org/2012/07/16/texas-voter-id-trial/

Rep. Royce takes his NAIC questions to Treasury

Jul 13, 2012…Dissatisfied with the answers he’s received from the group itself, U.S. Rep. Ed Royce, R-Calif., is turning to Federal Insurance Office Director Michael McRaith with a request that …

http://www.rstreet.org/2012/07/13/rep-royce-takes-his-naic-questions-to-treasury/

Gilway’s approach to Citizens reform strikes a good balance

…Barry Gilway was appointed president of Florida's Citizens Property Insurance Corp. just a few weeks ago and already he is making public statements about how he intends to …

http://www.rstreet.org/2012/07/13/gilways-approach-to-citizens-reform-strikes-a-good-balance/

Rep. Peterson: Millionaires need safety nets, too

Jul 12, 2012…In what was not at all a surprise, the House Agriculture Committee passed by a 35-11 margin its mammoth $957 billion Farm Bill early this morning, without any serious consideration given …

http://www.rstreet.org/2012/07/12/rep-peterson-millionaires-need-safety-nets-too/

Help cut Texas’ red tape

Jul 11, 2012…Texas state Rep. Bill Callegari, R-Katy, chair of the state House Government Efficiency and Reform Committee, launched an innovative new tool yesterday to engage citizens to fight onerous regulations …

http://www.rstreet.org/2012/07/11/help-cut-wasteful-government-spending-and-burdensome-regulation/

House GOP freshmen failing the Farm Bill test

Jul 9, 2012…They took office 18 months ago full of piss and vinegar, the 84 freshmen Republicans who rode a wave of tea party invective about out-of-control government spending into …

http://www.rstreet.org/2012/07/09/house-gop-freshmen-failing-the-farm-bill-test/

TDI’s report on insurance rates: You need to go beyond the statutes

…Sometime around mid-afternoon on July 10th, Texas Insurance Commissioner Eleanor Kitzman will sit down at a witness table before the Texas Senate’s Business and Commerce Committee and launch …

http://www.rstreet.org/2012/07/09/tdis-report-on-insurance-rates-you-need-to-go-beyond-the-statutes/

If a divided Congress can do it, why can’t the Florida Legislature?

Jul 5, 2012…Last week, Congress came together and passed legislation that will not only extend the National Flood Insurance Program for five more years, but also approved rate hikes to …

http://www.rstreet.org/2012/07/05/if-a-divided-congress-can-do-it-why-cant-the-florida-legislature/

Texas primes for primary run-offs

…Early voting for Texas' primary run-offs begins July 23. There are four statewide races for Republicans and one for the Democrats. By far, the most contentious is the race …

http://www.rstreet.org/2012/07/05/texas-primary-runoffs/

Michigan’s credit-scoring law moves closer to the mainstream

Jul 3, 2012…The State of Michigan, whose Supreme Court struck down an absolute ban on the use of credit information in insurance underwriting and rate-making decisions, has moved to slightly …

http://www.rstreet.org/2012/07/03/michigans-credit-scoring-law-moves-closer-to-the-mainstream-2/

The decay of federalism

Jun 29, 2012…Within my own lifetime of several decades, I can remember a time when there was wide agreement among citizens of this country about issues that affected nearly everybody. …

http://www.rstreet.org/2012/06/29/the-decay-of-federalism/

Dred Scott? Really, fellow conservatives? Really?

…More than a few of my friends on the political right have taken to comparing the Supreme Court’s decision on the individual health insurance mandate to the infamous …

http://www.rstreet.org/2012/06/29/dred-scott-really-fellow-conservatives-really/

BREAKING: Senate leaders strike deal on flood insurance reform

Jun 28, 2012…(See UPDATE below) In a briefing today with interested parties, the Senate Banking Committee’s chairman and ranking member confirmed that Senate Majority Leader Harry Reid, D-Nev., and Minority Leader …

http://www.rstreet.org/2012/06/28/breaking-senate-leaders-strike-deal-on-flood-insurance-reform/

Hager: Florida Cat Fund totally unprepared

Jun 26, 2012…Florida state Rep. Bill Hager, R-Boca Raton, recently sat down with the Florida Channel to record his “Perspectives” interview that most state legislators do every year.  Instead of …

http://www.rstreet.org/2012/06/26/hager-florida-cat-fund-totally-unprepared/

Rep. Cummings wants federal workers comp insurer for overseas contractors

…U.S. Rep. Elijah Cummings, D-Md. – the former chairman and current ranking Democrat on the House Oversight and Government Reform Committee – has some issues with American International …

http://www.rstreet.org/2012/06/26/rep-cummings-wants-federal-workers-comp-insurer-for-overseas-contractors-2/

Ohio takes it slow on new energy taxes

Jun 22, 2012…Ohio has an interesting case study in principles and politics in the current clash over the potential of new natural gas and oil reserves in the eastern and …

http://www.rstreet.org/2012/06/22/ohio-takes-it-slow-on-new-energy-taxes/

Consumer Federation of America’s ‘shocking’ new study

Jun 21, 2012…When one strips away the posturing and insinuations of sinister corporate conspiracies contained in the new report on auto insurance rates from the Consumer Federation of America, you're …

http://www.rstreet.org/2012/06/21/consumer-federation-of-americas-shocking-new-study/

Conservative activists should bone up on policy

Jun 19, 2012…This past weekend, conservative activists from around the country descended on the Venetian Resort in Las Vegas for Americans for Prosperity's fifth annual RightOnline Conference. The event drew the conservative …

http://www.rstreet.org/2012/06/19/conservative-activists-should-bone-up-on-policy/

This is it: Senate flood insurance bill vote coming up

…It’s almost time. After 17 (count ‘em) short-term extensions, almost a half dozen lapses in the program, and tons of political wrangling, a flood insurance reform bill–a real …

http://www.rstreet.org/2012/06/19/this-is-it-senate-flood-insurance-bill-vote-coming-up/

TWIA solvency concerns finally on Texas lawmakers’ radar

…The Texas Windstorm Insurance Association has only about $3.6 billion in claims-paying resources “under a best case scenario,” even though it could face losses of $14.2 billion from …

http://www.rstreet.org/2012/06/19/twia-solvency-concerns-finally-on-texas-lawmakers-radar-2/

Round-up from CPAC Chicago

Jun 15, 2012…After road-testing in Florida not long ago, the mobile version of the Conservative Political Action Conference hit Chicago last week. New Jersey Gov. Chris Christie was the most …

http://www.rstreet.org/2012/06/15/round-up-from-cpac-chicago/

What Florida conservatives should say about backstopping

Jun 14, 2012…It’s pretty clear that Florida’s state-run property insurance system is a total mess in just about every way. As we have previously written, the Legislature–given sufficient political will–could …

http://www.rstreet.org/2012/06/14/what-florida-conservatives-should-say-about-backstopping/

Meet Barry Gilway: Florida’s fate is in his hands

…Meet Barry Gilway, 66, Florida Citizens Property Insurance Corporation’s new president. Given the challenges ahead, I don’t know whether or not to congratulate him. Gilway has over 40 years …

http://www.rstreet.org/2012/06/14/meet-barry-gilway-floridas-fate-is-in-his-hands/

Connecticut reforms reinsurance collateral, California could be next

Jun 13, 2012…Connecticut is the latest state to liberalize collateral requirements for foreign-based reinsurers, and California could be next on the list, after a similar bill passed that state’s Senate. Connecticut …

http://www.rstreet.org/2012/06/13/connecticut-reforms-reinsurance-collateral-california-could-be-next/

Fla Citizens taps Zurich vet as new president

…The board of governors of Florida’s Citizens Property Insurance Corp. pulled off not one, but two shockers in the past 24 hours with respect to its choice of …

http://www.rstreet.org/2012/06/13/fla-citizens-taps-zurich-vet-as-new-president/

Dear conservatives: A rejoinder to Lehrer

Jun 9, 2012…One of the goals we set in launching the Word on the Street blog is that it would promote dialogue on a broad range of issues – from …

http://www.rstreet.org/2012/06/09/dear-conservatives-a-rejoinder-to-lehrer/

Florida can and should fix its own insurance problems

Jun 8, 2012…You have to hand it to the Palm Beach Post. First, the paper sends out a reporter to a press conference with Gov. Rick Scott to ask his …

http://www.rstreet.org/2012/06/08/florida-can-and-should-fix-its-own-insurance-problems/

Walker recall victory eclipses this week’s other once-in-a-lifetime event

…Earlier this week, we were able to witness one of the two telescopic proofs of heliocentrism offered by Galileo in the 17th Century: that Venus could pass in …

http://www.rstreet.org/2012/06/08/walker-recall-victory-eclipses-this-weeks-other-once-in-a-lifetime-event/

Rep. Rivera aims to change Cuban Adjustment Act

…It’s been a very political week in Florida, and there is still one more day to go. This week is the qualifying deadline for every political office up in …

http://www.rstreet.org/2012/06/08/rep-rivera-aims-to-change-cuban-adjustment-act/

Florida insurance reform push draws strange bedfellows

Jun 7, 2012…Tom Grady, interim chief of Florida’s Citizens Property Insurance Corp., has been on a tour of the Sunshine State, trying to defend he and his board’s efforts to …

http://www.rstreet.org/2012/06/07/florida-insurance-reform-push-draws-strange-bedfellows/

La. Legislature takes wrong turn on rates

Jun 6, 2012…The Louisiana Legislature wrapped up their 2012 session late June 4 by passing S.B. 204 , a bill that would reinstate a partial suspension of the requirement that …

http://www.rstreet.org/2012/06/06/la-legislature-takes-wrong-turn-on-rates/

Does Rick Scott support the ‘Beach House Bailout?’

Jun 4, 2012…Much of Florida Gov. Rick Scott's tenure in office has been consumed with confronting the mistakes his predecessor made in the property insurance market. Charlie Crist left office …

http://www.rstreet.org/2012/06/04/does-rick-scott-support-the-beach-house-bailout-3/

Raise rates, but keep Florida Citizens

…The Fort Meade Leader, a smallish Florida Newspaper, has a bang up editorial today about Citizens Property Insurance Corp.'s continuing woes. Despite significant improvements in its management, and …

http://www.rstreet.org/2012/06/04/raise-rates-but-keep-florida-citizens/

R Street report card ranks Vermont best, Florida worst regulatory environments for insurance

…The R Street Institute published its first research project as an independent institution today, a report card of the insurance regulatory environments in each of the 50 states. …

http://www.rstreet.org/2012/06/04/r-street-report-card-ranks-vermont-best-florida-worst-regulatory-environments-for-insurance/

Welcome Out of the Storm News readers!

…Regular readers of OutOfTheStormNews.com, the flagship publication of the former Center on Finance, Insurance and Real Estate, may have noticed some changes around these parts. Now that we …

http://www.rstreet.org/2012/06/04/welcome-out-of-the-storm-news-readers/

Citizens Property Insurance debate once again heating up Florida

May 31, 2012…The Citizens Property Insurance Corp. debate is heating up once again in Florida.  Despite a legislative session that largely steered clear from this contentious issue earlier this year, …

http://www.rstreet.org/2012/05/31/citizens-property-insurance-debate-once-again-heating-up-florida/

Federal flood program gets 60-day extension

…The National Flood Insurance Program will be extended an additional 60 days beyond its scheduled May 31 expiration, after the U.S. House late May 30 approved by voice …

http://www.rstreet.org/2012/05/31/federal-flood-program-gets-60-day-extension/

Free markets don’t have to mean no regulation

…A one-time boss of mine—a bearded gentleman who liked cigars, opera, candy and the Austrian School of economics—used to insist to me that the private sector would insure …

http://www.rstreet.org/2012/05/31/free-markets-dont-have-to-mean-no-regulation-3/

Letter from Washington: Why we should mend, not end, federal flood insurance

May 22, 2012…As the staff of the Heartland Institute’s Center on Finance, Insurance and Real Estate transitions to R Street, Out of the Storm News is going to be transitioning …

http://www.rstreet.org/2012/05/22/letter-from-washington-why-we-should-mend-not-end-federal-flood-insurance/

Congresswoman presses Geithner on delayed insurance report

Mar 22, 2012…Rep. Judy Biggert, R-Ill., wants to know why the Federal Insurance Office still hasn’t issued its much-awaited report on insurance regulatory modernization. Biggert, who serves as chairwoman of the …

http://www.rstreet.org/2012/03/22/congresswoman-presses-geithner-on-delayed-insurance-report/

The Royce-NAIC spat heats up

Mar 21, 2012…The National Association of Insurance Commissioners is neither a regulator nor a trade association, but an “association of elected and appointed state regulatory officials charged with regulating the …

http://www.rstreet.org/2012/03/21/the-royce-naic-spat-heats-up/

Letter from Washington: Florida, auto rates, and Tide as a currency

Mar 20, 2012…At a conference on insurance near Jacksonville, Fla. this past week, I spoke a bit about Heartland’s 2011 insurance report card— OOTS Managing Editor R.J. Lehmann is taking …

http://www.rstreet.org/2012/03/20/letter-from-washington-florida-auto-rates-and-tide-as-a-currency/

La. Citizens latest state insurer to tap cat bond market

Mar 15, 2012…The Louisiana Citizens  Property Insurance Corp. has become the third state-run residual market wind pool to turn to the private insurance-linked securities market, issuing $100 million of catastrophe …

http://www.rstreet.org/2012/03/15/la-citizens-latest-state-insurer-to-tap-cat-bond-market/

Letter from Tallahassee: Thrilling end to a roller coaster session

Mar 14, 2012…Last Friday marked the end of Florida’s 2012 Regular Legislative Session, and what a roller coaster it was, literally to the very end.  When the dust cleared, many …

http://www.rstreet.org/2012/03/14/letter-from-tallahassee-thrilling-end-to-a-roller-coaster-session/

Letter from Washington: Some Florida reforms pass, but much work left to do

Mar 13, 2012…As much of our other coverage shows, the Florida Legislature did pass some substantive insurance reforms during its just-completed 2012 session: a personal injury protection bill that mends …

http://www.rstreet.org/2012/03/13/letter-from-washington-some-florida-reforms-pass-but-much-work-left-to-do/

Oklahoma commish draws line in sand on ‘states rights’

Mar 8, 2012…He was elected back in 2010, but the just-completed National Association of Insurance Commissioners spring meetings in New Orleans may well prove to have been Oklahoma Insurance Commissioner …

http://www.rstreet.org/2012/03/08/oklahoma-commish-draws-line-in-sand-on-states-rights/

Letter from Ohio: Rethinking crime in the wake of tragedy

…As one Ohio community recoils in horror and anguish at yet another incomprehensible multiple school murder and attempts to cope with the aftermath, the public discussion will once …

http://www.rstreet.org/2012/03/08/letter-from-ohio-rethinking-crime-in-the-wake-of-tragedy/

BREAKING: Treasury sells off 14% of its AIG stake

…Perhaps taking a tip from us, the U.S. Treasury Department has restarted its stalled effort to sell off its 77% stake in bailed-out insurance giant American International Group. Treasury …

http://www.rstreet.org/2012/03/08/breaking-treasury-sells-off-14-of-its-aig-stake/

Proposal for surplus lines take-outs from Fla. Citizens appears DOA

Mar 6, 2012…A proposal that would allow surplus lines insurers to take-out blocks of policies from the state-run Citizens Property Insurance Corp. appears to be dead, after the Senate voted …

http://www.rstreet.org/2012/03/06/proposal-for-surplus-lines-take-outs-from-fla-citizens-appears-doa/

Letter from Washington: Good news, bad news at AIG

…The glacial pace of unwinding American International Group’s mammoth $182 billion federal bailout inched along ever-so-slightly faster this past month. While this is good news, there remain some …

http://www.rstreet.org/2012/03/06/letter-from-washington-good-news-bad-news-at-aig/

FIRE Podcast- J. Robert Hunter: Insurers’ disappearing cat risk

Mar 2, 2012…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/fire022912.mp3[/podcast] It isn’t often that we find ourselves in agreement with J. Robert Hunter, director of insurance for the Consumer Federation of America. The former Texas insurance commissioner and …

http://www.rstreet.org/2012/03/02/fire-podcast-j-robert-hunter-insurers-disappearing-cat-risk/

P&C trades argue states destroying ‘interstate comity’ with climate survey

Mar 1, 2012…A trio of large states that recently banded together to require insurers comply with a climate risk survey process originally developed – but later withdrawn – by the …

http://www.rstreet.org/2012/03/01/pc-trades-argue-states-destroying-interstate-comity-with-climate-survey/

Letter from Austin: Kitzman drops bomb on TWIA

Feb 29, 2012…Insurance Commissioner Eleanor Kitzman dropped a bomb on the Texas Windstorm Insurance Association (TWIA), recommending it be restructured to address the long-term sustainability of the program. As is often …

http://www.rstreet.org/2012/02/29/letter-from-austin-kitzman-drops-bomb-on-twia/

Congressman asks: ‘what exactly IS the NAIC?’

Feb 28, 2012…It’s a fair question, and one I’ve asked myself on a number of occasions. The question keeps coming up, in part, because the NAIC keeps changing its answer. The …

http://www.rstreet.org/2012/02/28/congressman-asks-what-exactly-is-the-naic/

Letter from Washington: Credit-scoring and the downside of market prices

…Dealing with insurance-related credit scoring is like playing whack-a-mole: whenever one effort to ban the generally beneficial practice is defeated, another one pops up. At the National Conference …

http://www.rstreet.org/2012/02/28/letter-from-washington-credit-scoring-and-the-downside-of-market-prices/

Citizens reform advances, despite Hurricane Hukill headwinds

Feb 24, 2012…The Florida House of Representatives has passed legislation by an 89-25 margin that would limit Citizens Property Insurance Corp.’s ability to assess private insurers’ policyholders to make up …

http://www.rstreet.org/2012/02/24/citizens-reform-advances-despite-hurricane-hukill-headwinds/

Telematics are the future of auto insurance

Feb 23, 2012…Writing at National Underwriter’s PropertyCasualty360 site, Robert Regis Hyle, editor-in-chief of Tech Decisions magazine, sees the future of auto insurance dominated by “telematics,” those advanced modeling systems that …

http://www.rstreet.org/2012/02/23/telematics-are-the-future-of-auto-insurance/

Letter from Tallahassee: Property insurance reform gets national spotlight

Feb 22, 2012…Greetings from unseasonably warm Florida, where citizens are beginning to petition Al Gore to host a global warming summit to hopefully attract a Nor’easter to cool us off …

http://www.rstreet.org/2012/02/22/letter-from-tallahassee-property-insurance-reform-gets-national-spotlight/

Letter from Washington: Homeowners insurance is a crummy business

Feb 21, 2012…There’s an elephant in the room I probably should mention:  someone impersonating a Heartland Institute trustee defrauded Heartland last week, stole internal documents and created one outright fake. …

http://www.rstreet.org/2012/02/21/letter-from-washington-homeowners-insurance-is-a-crummy-business/

Texas commissioner calls TWIA ‘unsustainable’

Feb 20, 2012…Calling the Texas Windstorm Insurance Association’s present structure “unsustainable,” Texas Insurance Commissioner Eleanor Kitzman has put forth a proposal to hire consultants to reduce the state-backed insurer’s exposure …

http://www.rstreet.org/2012/02/20/texas-commissioner-calls-twia-unsustainable/

WSJ weighs in on Florida’s Insurance Crisis

…Over the weekend, the Wall Street Journal weighed-in on Florida’s insurance crisis, shedding light on the concerns economists, actuaries, insurance experts, consumer advocates and Heartland Institute analysts have …

http://www.rstreet.org/2012/02/20/wsj-weighs-in-on-florida-insurance-crisisance-crisis/

FIRE Podcast- CPAC Panel: Too many crimes, too many criminals

Feb 17, 2012…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/cpac_2012_eli_lehrer.mp3[/podcast] In a special dispatch from the 2012 Conservative Political Action Conference – held Feb. 9 to 11 in Washington D.C. – this week’s episode of the FIRE Podcast …

http://www.rstreet.org/2012/02/17/fire-podcast-cpac-panel-too-many-crimes-too-many-criminals/

Letter from Washington: 41 senators ask for flood vote

Feb 14, 2012…Later today, Sens. David Vitter, R-La., and Jon Tester, D-Mont., will join Heartland Institute CEO Joe Bast and the heads of several other major organizations—National Wildlife Federation, American …

http://www.rstreet.org/2012/02/14/letter-from-washington-41-senators-ask-for-flood-vote/

Obama budget would hurt U.S. policyholders

Feb 13, 2012…Hidden in President Barack Obama’s newly released $3.8 trillion Fiscal Year 2013 Budget Proposal is a provision that would do serious damage to U.S. property and casualty insurance …

http://www.rstreet.org/2012/02/13/obama-budget-would-hurt-u-s-policyholders/

FIRE Podcast- Sean Carr: HUD discrimination rule could hit homeowners insurance

Feb 10, 2012…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/fire020912.mp3[/podcast] Homeowners insurers are concerned that a new proposed rule from the U.S. Department of Housing and Urban Development could subject long-standing rating and underwriting practices to scrutiny under …

http://www.rstreet.org/2012/02/10/fire-podcast-sean-carr-hud-discrimination-rule-could-hit-homeowners-insurance/

‘Beach House Bailout’ author gets new life as Obama fundraiser/lobbyist

Feb 9, 2012…The assertion from President Barack Obama’s reelection campaign that it won’t  “take a dime from D.C. lobbyists or special-interest PACs”  has come into question in light of a …

http://www.rstreet.org/2012/02/09/beach-house-bailout-author-gets-new-life-as-obama-fundraiserlobbyist/

Telemetry-based auto insurance comes to U.K.

…Telemetry-based auto insurance is making its way across the pond, as GPS specialist TomTom announced it has signed a deal with Welsh insurance broker Motaquote to begin offering …

http://www.rstreet.org/2012/02/09/telemetry-based-auto-insurance-comes-to-u-k/

Letter from Austin: The trouble with Texas taxes

Feb 8, 2012…In 2006, Texas fundamentally changed how it taxed businesses in the state.  It replaced its long-standing franchise tax on businesses chartered in the state with a new tax …

http://www.rstreet.org/2012/02/08/letter-from-austin-the-trouble-with-texas-taxes/

Letter from Washington: ‘Hurricane Hukill’ and fixing the University of California

Feb 7, 2012…More than one-third of the U.S. Senate has already signed onto a letter that calls on Senate Majority Leader Harry Reid, D-Nev., and Senate Minority Leader Mitch McConnell, …

http://www.rstreet.org/2012/02/07/letter-from-washington-hurricane-hukill-and-fixing-the-university-of-california/

Waiting game continues for FIO report

Feb 6, 2012…Those awaiting delivery of the Federal Insurance Office’s first major report on ways to improve and modernize U.S. insurance regulation will have to wait a bit longer, Insurance …

http://www.rstreet.org/2012/02/06/waiting-game-continues-for-fio-report/

Beachhouse Bailout backers make pitch to the heartland

Feb 3, 2012…The Beachhouse Bailout is back. And this time, its authors are making a desperate pitch to appeal to the Heartland. (The region, not the Institute; Even they aren’t …

http://www.rstreet.org/2012/02/03/beachhouse-bailout-backers-make-pitch-to-the-heartland/

FIRE Podcast-Jack Nicholson: Fla. insurers need ‘skin in the game’

…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/fire020212.mp3[/podcast] As Florida lawmakers’ 60-day legislative session continues to move forward, there are some unsettling signs that efforts to reform the state’s Florida Hurricane Catastrophe Fund may be stalled …

http://www.rstreet.org/2012/02/03/fire-podcast-jack-nicholson-fla-insurers-need-skin-in-the-game/

Letter from Tallahassee: Post-primaries, fixing on Cat Fund reform

Feb 1, 2012…Greetings from the SuperPAC-pillaged state of Florida! All eyes were on the Sunshine State this week to see who Republicans would choose to be their nominee to run against …

http://www.rstreet.org/2012/02/01/letter-from-tallahassee-post-primaries-fixing-on-cat-fund-reform/

Treasury’s AIG pump and dump

…The nonpartisan Congressional Budget Office has released new projections that the Troubled Asset Relief Program will cost the federal government $23 billion in 2012, $20 billion more than …

http://www.rstreet.org/2012/02/01/treasurys-aig-pump-and-dump/

Letter from Washington: Flood reform a rare opportunity for bipartisanship

Jan 31, 2012…On issues ranging from heath care to financial regulation, Democrats and Republicans in Congress have almost nothing in common. And since most Americans say they want their political …

http://www.rstreet.org/2012/01/31/letter-from-washington-flood-reform-a-rare-opportunity-for-bipartisanship/

Former realtors’ lobbyist calls flood program a ‘boondoggle’

Jan 30, 2012…The National Association of Realtors, the largest U.S. trade association and one of its most powerful, has historically played a key role in blocking efforts to bring about …

http://www.rstreet.org/2012/01/30/former-realtors-lobbyist-calls-flood-program-a-boondoggle/

FIRE Podcast-Ian Bremmer: The rising threat of state capitalism

Jan 27, 2012…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/yingma-1.mp3[/podcast] The emergence of China as a global economic power has generally been cheered by free-market advocates as the end result of a 30-year process of economic liberalization that …

http://www.rstreet.org/2012/01/27/fire-podcast-ian-bremmer-the-rising-threat-of-state-capitalism/

Florida leaders rally for PIP reform

Jan 26, 2012…Florida Gov. Rick Scott, Chief Financial Officer Jeff Atwater and Insurance Commissioner Kevin McCarty, among other leaders, held a Jan. 25 rally at the State Capitol in Tallahassee …

http://www.rstreet.org/2012/01/26/florida-leaders-rally-for-pip-reform/

Letter from Ohio: Insurance-scoring ban wouldn’t serve consumers well

Jan 25, 2012…Except for public health and some reasonable safety measures, when the government tells an industry how to run its core operations, the impact is not generally favorable to …

http://www.rstreet.org/2012/01/25/letter-from-ohio-insurance-scoring-ban-wouldnt-serve-consumers-well/

Letter from Washington: The Tarheel State’s sticky auto insurance market

Jan 24, 2012…This coming week, I’ll be testifying before a North Carolina study committee  on that state’s auto insurance system. I’ve written a good deal about the system in the …

http://www.rstreet.org/2012/01/24/letter-from-washington-the-tarheel-states-sticky-auto-insurance-market/

New Jersey insurance chief reportedly stepping down

Jan 23, 2012…New Jersey Banking and Insurance Commissioner Tom Considine is set to step down next month to return to the private sector, Newark’s Star-Ledger newspaper is reporting. If true, it …

http://www.rstreet.org/2012/01/23/new-jersey-insurance-chief-reportedly-stepping-down/

FIRE Podcast-Robert Detlefsen: Litigation finance could impact insurance claims

Jan 20, 2012…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/fire011912.mp3[/podcast] Third-party litigation funding, already a regular practice in countries like Australia and the United Kingdom, has seen growing interest in the United States in recent years. Buoyed by …

http://www.rstreet.org/2012/01/20/fire-podcast-robert-detlefsen-litigation-finance-could-impact-insurance-claims/

Letter from Austin: Senate chair wants to bring down rates

Jan 18, 2012…With a sigh of relief, the Texas Windstorm Insurance Agency closes out the calendar year absent a major hurricane or other severe weather event. Only a hailstorm in …

http://www.rstreet.org/2012/01/18/letter-from-austin-senate-chair-wants-to-bring-down-rates/

Econ lesson for PIPA author

…I don’t always find myself in agreement with Dean Baker, co-director of the liberal Center for Economic and Policy Research. But over at his Beat the Press blog, …

http://www.rstreet.org/2012/01/18/econ-lesson-for-pipa-author/

Florida bill orders accident victims report to the emergency room

Jan 13, 2012…In an effort to crack down on the potential for auto insurance claims fraud perpetrated by so-called “pain clinics,” a subcommittee of the Florida House of Representatives has …

http://www.rstreet.org/2012/01/13/florida-bill-orders-accident-victims-report-to-the-emergency-room/

Letter from Tallahassee: State of the Sunshine State

Jan 11, 2012…Aaaand they’re off! The 2012 legislature session was gaveled into regular session this week, and lawmakers have hit the ground running. Gov. Rick Scott gave his State of the …

http://www.rstreet.org/2012/01/11/letter-from-tallahassee-state-of-the-sunshine-state/

FIRE Podcast- J.P. Freire: Cordray appointment is White House power grab

Jan 10, 2012…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/fire011012_0.mp3[/podcast] In a move that cheered some liberals and infuriated many conservatives, President Barack Obama moved Jan. 4 to name former Ohio Attorney General Richard Cordray as head of …

http://www.rstreet.org/2012/01/10/fire-podcast-j-p-freire-cordray-appointment-is-white-house-power-grab/

Frequency of auto injury claims ticking up

Jan 5, 2012…After years of decline, the frequency of auto injury claims appears to be on the rise again, a troubling development given the recent steady increase in average costs …

http://www.rstreet.org/2012/01/05/frequency-of-auto-injury-claims-ticking-up/

Good news for online poker?

Jan 4, 2012…A recent memo drafted by the U.S. Justice Department’s Office of Legal Counsel on whether proposals by New York and Illinois to use out-of-state transaction processors, and the …

http://www.rstreet.org/2012/01/04/good-news-for-online-poker/

Letter from Washington: Finance and insurance predictions for 2012

Jan 3, 2012…Happy New Year! It’s time to take down the holiday decorations, finish the eggnog, and get back to work. It’s also time for some predictions about what’s going …

http://www.rstreet.org/2012/01/03/letter-from-washington-finance-and-insurance-predictions-for-2012/

‘Poetic Justice’ takes on insurance fraud

Dec 30, 2011…Justice J. Michael Eakin, the Pennsylvania Supreme Court’s notorious “rhyming judge,” has struck again, this time in a majority ruling vacating an insurance fraud conviction. Eakin, who has rankled …

http://www.rstreet.org/2011/12/30/poetic-justice-takes-on-insurance-fraud/

S.C. insurance director resigns

…David Black has resigned as director of the South Carolina Department of Insurance, effective Dec. 28, the department announced in a media advisory. No reason was given for Black’s …

http://www.rstreet.org/2011/12/30/s-c-insurance-director-resigns/

Letter from Austin: TWIA considers alternatives to reinsurance

Dec 21, 2011…Four state senators, four representatives and a member of the public have been appointed to Texas’ Joint Interim Committee to Study Seacoast Territory Insurance, charged with examining alternative …

http://www.rstreet.org/2011/12/21/letter-from-austin-twia-considers-alternatives-to-reinsurance/

Letter from Washington: Feeling out FIO, government insurers and a farewell to Hitchens

Dec 20, 2011…This past week, CFIRE Deputy Director (and OOTS editor) R.J. Lehmann and I met with new director of the Federal Insurance Office: Michael McRaith. I had met him …

http://www.rstreet.org/2011/12/20/letter-from-washington-feeling-out-fio-government-insurers-and-a-farewell-to-hitchens/

FIRE Podcast- Robert Hartwig: Insurers and the Eurozone crisis

Dec 19, 2011…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/FIRE121511.mp3[/podcast] Economic problems in Europe, and particularly the sovereign debt problems faced by several members of the Eurozone, pose a serious risk for the U.S. economic outlook, Deputy Assistant …

http://www.rstreet.org/2011/12/19/fire-podcast-robert-hartwig-insurers-and-the-eurozone-crisis-2rs-and-the-eurozone-crisis/

Letter from Tallahassee: Thoughts turn from holiday tidings to a packed legislative session

Dec 15, 2011…Greetings from Florida, where we proudly decorate our palm trees with balls and lights this time of year. Last week marked the final round of interim committee meetings before …

http://www.rstreet.org/2011/12/15/letter-from-tallahassee-thoughts-turn-from-holiday-tidings-to-a-packed-legislative-session/

House passes tax bill that includes flood insurance reforms

…With just two more days before the National Flood Insurance Program is set to expire, the U.S. House voted to reform and extend the program for five years …

http://www.rstreet.org/2011/12/15/house-passes-tax-bill-that-includes-flood-insurance-reforms/

FIRE Podcast- Alex Tabarrok: Launching the innovation renaissance

Dec 9, 2011…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/FIRE120611.mp3[/podcast] Stagnant economic growth in the United States isn’t merely a function of the recession that kicked off four years ago. Its roots can be traced back decades, a …

http://www.rstreet.org/2011/12/09/fire-podcast-alex-tabarrok-launching-the-innovation-renaissance/

The Insurance Data Protection Act’s hidden sop to the NAIC

…I’ve been publicly critical of the Insurance Data Protection Act, which was endorsed yesterday by a 7-5 tally of the House Financial Services Committee’s insurance subcommittee. It’s been interesting …

http://www.rstreet.org/2011/12/09/the-insurance-data-protection-acts-hidden-sop-to-the-naic/

Senate bill looks to ease burden of SOX 404

Dec 8, 2011…Sens. Jim DeMint, R-S.C., and John Barrasso, R-Wyo., have introduced legislation that would exempt some smaller companies from the regulatory burden of complying with the Sarbanes-Oxley Act’s Section …

http://www.rstreet.org/2011/12/08/senate-bill-looks-to-ease-burden-of-sox-404/

Letter from Ohio: Credit and energy, the economy’s twin tracks

Dec 7, 2011…The economy of the United States and all other developed countries rides along on two rails – credit and energy. Anybody who has read a newspaper in the …

http://www.rstreet.org/2011/12/07/letter-from-ohio-credit-and-energy-the-economys-twin-tracks/

Senate flood bill filed; still no floor vote in sight

Dec 6, 2011…After months of backroom negotiations, the Senate Banking Committee has at last filed its conference report for the flood insurance reform bill it passed back in September. The …

http://www.rstreet.org/2011/12/06/senate-flood-bill-filed-still-no-floor-vote-in-sight/

Letter from Washington: The case for, and against, occupational licensing

…Based on the reports I’ve heard in the past week, it strikes me as overwhelmingly likely that the National Flood Insurance Program will lapse again sometime in December. …

http://www.rstreet.org/2011/12/06/letter-from-washington-the-case-for-and-against-occupational-licensing/

A.M. Best: U.S. P&C insurers have $38.6B in cat losses through Q3

Dec 5, 2011…The U.S. property and casualty industry incurred $38.6 billion of pre-tax catastrophe losses through the first nine months of 2011, nearly doubling the full-year total of $19.6 billion …

http://www.rstreet.org/2011/12/05/a-m-best-u-s-pc-insurers-have-38-6b-in-cat-losses-through-q3/

FIRE Podcast- Ted Frank: Fighting abusive class action settlements

Dec 2, 2011…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/FIRE113011.mp3[/podcast] Since its founding two years ago, the non-profit Center for Class Action Fairness LLC has stepped in to object to 30 class action settlements on behalf of consumers …

http://www.rstreet.org/2011/12/02/fire-podcast-ted-frank-fighting-abusive-class-action-settlements/

FIRE Podcast- Daniel Schwarcz: Insurers should publish their policies on-line

Nov 23, 2011…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/FIRE112111.mp3[/podcast] Electronic commerce presents consumers with choices never before imagined. But in the world of insurance, despite an expanding array of coverage options, few consumers are able to take …

http://www.rstreet.org/2011/11/23/fire-podcast-daniel-schwarcz-insurers-should-publish-their-policies-on-line/

FIRE Podcast- R.J. Lehmann: Capitol Hill update

Nov 18, 2011…[podcast]/wp-content/uploads/2012/06/FIRE111711.mp3[/podcast] In this week’s edition of the FIRE Podcast, I offer updates on major insurance issues brewing on Capitol Hill, including delays in getting a Senate floor vote on …

http://www.rstreet.org/2011/11/18/fire-podcast-r-j-lehmann-capitol-hill-update/

Letter from Washington: Why we’re no longer supporting optional federal charter

Nov 15, 2011…Some forthcoming comments from the Center on Finance, Insurance and Real Estate to the newly created Federal Insurance Office are going to include a public reconsideration of a …

http://www.rstreet.org/2011/11/15/letter-from-washington-why-were-no-longer-supporting-optional-federal-charter/

FIRE Podcast- Robert Gordon: Insurers aren’t ‘too big to fail’

Nov 11, 2011…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/FIRE111011.mp3[/podcast] The Financial Stability Oversight Council – the college of regulators established by the Dodd-Frank Act as the ultimate overseers of systemic financial risk – last month reissued proposed …

http://www.rstreet.org/2011/11/11/fire-podcast-robert-gordon-insurers-arent-too-big-to-fail/

Bank Transfer Day haul: 40,000 members, $80M in deposits

Nov 9, 2011…Though final numbers likely won’t be available until the National Credit Union Administration releases call report data for the fourth quarter,  an initial survey by the Credit Union …

http://www.rstreet.org/2011/11/09/bank-transfer-day-haul-40000-members-80m-in-deposits/

AIG, Met and Pru all could be ‘too big to fail’

…MetLife Inc., American International Group, Prudential Financial and possibly Berkshire Hathaway all could be designated as systemically important financial institutions (SIFIs) by the Financial Stability Oversight Council, according …

http://www.rstreet.org/2011/11/09/aig-met-and-pru-all-could-be-too-big-to-fail/

Reinsurance collateral and the ‘giant sucking sound’

Nov 8, 2011…At their national meeting this past weekend, the full National Association of Insurance Commissioners formally adopted a long-awaited (and much needed) overhaul of the group’s model law and …

http://www.rstreet.org/2011/11/08/reinsurance-collateral-and-the-giant-sucking-sound/

Bloomberg: Financial sector also must give up its tax breaks

…New York City Mayor Michael Bloomberg told a D.C. audience that in addition to ending huge tax breaks and subsidies for the agricultural and energy industries, fiscal responsibility …

http://www.rstreet.org/2011/11/08/bloomberg-financial-sector-also-must-give-up-its-tax-breaks/

Letter from Ohio: Buckeye State voters eye exchanges

Nov 7, 2011…When the Patient Protection and Affordable Care Act (PPACA) bills were signed by President Obama in March 2010, states already were moving to protect themselves from this overtly …

http://www.rstreet.org/2011/11/07/letter-from-ohio-buckeye-state-voters-eye-exchanges/

FIRE Podcast- Tim Carney: Left and right should agree on ending ‘too big to fail’

Nov 4, 2011…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/FIRE110111.mp3[/podcast] As the Occupy Wall Street protests continue on, some observers have started to wonder about the potential for convergence among left-wing and right-wing populists. Jim Harper of the …

http://www.rstreet.org/2011/11/04/fire-podcast-tim-carney-left-and-right-should-agree-on-ending-too-big-to-fail/

Agri-business backs making crop insurance boondoggle even bigger

…Even as the Joint Select Committee on Deficit Reduction – the so-called “Super Committee” – moves toward its Nov. 23 deadline to come up with at least $1.5 …

http://www.rstreet.org/2011/11/04/agri-business-backs-making-crop-insurance-boondoggle-even-bigger/

Will Bank Transfer Day matter?

Nov 2, 2011…In what might well prove to be one of the most significant real world consequences of the Occupy Wall Street movement, tens of thousands of Facebook members have …

http://www.rstreet.org/2011/11/02/will-bank-transfer-day-matter/

FIRE Podcast- Joseph Annotti: Fraternal insurers could see new ‘renaissance’

Oct 28, 2011…[podcast]http://redesign.rstreet.org/wp-content/uploads/2012/06/FIRE102511a.mp3[/podcast] Alexis de Tocqueville, in his masterpiece Democracy in America, marveled at how the American people of the 1830s were the most fraternal he had ever encountered. In addition …

http://www.rstreet.org/2011/10/28/fire-podcast-joseph-annotti-fraternal-insurers-could-see-new-renaissance/

FIO, FOIA and a free market in insurance data

Oct 27, 2011…In the United States, publicly traded companies must file quarterly financial statements with the Securities and Exchange Commission, which the SEC makes available to the public through their …

http://www.rstreet.org/2011/10/27/fio-foia-and-a-free-market-in-insurance-data/

Letter from Austin: TWIA more transparent on legal costs

Oct 26, 2011…Earlier this month, the Texas Windstorm Insurance Association’s management offered an update on implementation of the reform legislation passed in June. The report displayed an overall commitment to …

http://www.rstreet.org/2011/10/26/letter-from-austin-twia-more-transparent-on-legal-costs/

A SIFI warning shot from Snoopy?

…The announcement by MetLife Inc., the only major U.S. insurance group currently organized as a bank holding company, that it has been ordered by the Federal Reserve to …

http://www.rstreet.org/2011/10/26/a-sifi-warning-shot-from-snoopy/

Michigan PIP reform faces pushback

Oct 24, 2011…Efforts to reform Michigan’s unique auto insurance law, which ensures costly coverage by requiring essentially uncapped medical benefits, are facing some resistance in the state’s House of Representatives. A …

http://www.rstreet.org/2011/10/24/michigan-pip-reform-faces-pushback/

Homeowners rates won’t cover insurers’ capital costs

…Homeowners insurance rates nationwide are projected to produce after-tax returns on equity of just 4.8% over the next year, which may not be enough to cover the industry’s …

http://www.rstreet.org/2011/10/24/homeowners-rates-wont-cover-insurers-capital-costs/

McRaith to tell House panel his plans for Federal Insurance Office

Oct 21, 2011…Former Illinois Insurance Director Michael McRaith will appear before Congress for the first time since stepping into his new role as the first-ever director of the Federal Insurance …

http://www.rstreet.org/2011/10/21/mcraith-to-tell-house-panel-his-plans-for-federal-insurance-office/

Crist’s legacy: Fla. Cat Fund faces $3.2B shortfall

Oct 19, 2011…The Florida Hurricane Catastrophe Fund, the state-run reinsurance facility from which all property insurers in the state are required to purchase coverage, would not be able to borrow …

http://www.rstreet.org/2011/10/19/crists-legacy-fla-cat-fund-faces-3-2b-shortfall/

NFIP reform floated to ‘Super Committee’

Oct 18, 2011…Sean Carr of rating agency A.M. Best’s BestWeek and BestWire publications is reporting (subscription required for the link) that both Republican and Democratic leaders of the House Financial …

http://www.rstreet.org/2011/10/18/nfip-reform-floated-to-super-committee-2/

When the levee breaks…

…Senate Majority Leader Harry Reid, D-Nev., has yet to schedule floor time for consideration of the National Flood Insurance Program reform bill the Senate Banking Committee passed unanimously …

http://www.rstreet.org/2011/10/18/when-the-levee-breaks-2/

A flood floor vote, corporate taxation and Herman Cain’s 9-9-9 plan

…The U.S. Senate, riven as always by internal dispute, continues to sit on one of the few major bills—flood insurance reform—where a rough sort of bipartisan consensus appears …

http://www.rstreet.org/2011/10/18/a-flood-floor-vote-corporate-taxation-and-herman-cains-9-9-9-plan-2/

Lawmakers reintroduce protectionist offshore reinsurance bill

Oct 13, 2011…Rep. Richard Neal, D-Mass., and Sen. Bob Menendez, D-N.J., have reintroduced protectionist legislation that would raise costs for U.S. subsidiaries of foreign-based insurers and reinsurers, costs that ultimately …

http://www.rstreet.org/2011/10/13/lawmakers-reintroduce-protectionist-offshore-reinsurance-bill/

Earthquake bailouts, D.C. as tax haven and corporate personhood

…Rep. John Campbell, R-Calif., has introduced a bill—which I write about at FrumForum —that would put taxpayers around the country on the hook for earthquake insurance in California …

http://www.rstreet.org/2011/10/13/earthquake-bailouts-d-c-as-tax-haven-and-corporate-personhood-2/

‘If we had it to do over again, we would have barred Genentech’

Oct 10, 2011…Genentech Inc., now a subsidiary of Swiss drug-maker Hoffmann-La Roche, is widely viewed as the founder of the biotech industry. Among the company’s notable achievements over the past …

http://www.rstreet.org/2011/10/10/if-we-had-it-to-do-over-again-we-would-have-barred-genentech/

Campbell earthquake plan no better than Feinstein’s

Oct 7, 2011…Perhaps this is what had California Earthquake Authority CEO Glenn Pomeroy so optimistic last week. News came down today that Rep. John Campbell, R-Calif., has introduced the Earthquake …

http://www.rstreet.org/2011/10/07/campbell-earthquake-plan-no-better-than-feinsteins/

Norton bill would make D.C. catastrophe insurance capital

Oct 6, 2011…“Taxation without representation” reads the District of Columbia’s official license plate design, a slogan aimed at raising awareness of district residents’ lack of voting representation in Congress. But new …

http://www.rstreet.org/2011/10/06/norton-bill-would-make-d-c-catastrophe-insurance-capital/

Shaking up the earthquake insurance market

Oct 5, 2011…Does Glenn Pomeroy know something the rest of us don’t? Pomeroy, a former North Dakota insurance commissioner and brother to former U.S. Rep. Earl Pomeroy, currently serves as CEO …

http://www.rstreet.org/2011/10/05/shaking-up-the-earthquake-insurance-market/

NFIP Direct dispute dogs flood insurance reform

Oct 4, 2011…The Hill is reporting that a dispute between State Farm and other P&C insurers over the fate of some 800,000 former State Farm flood insurance policies threatens to …

http://www.rstreet.org/2011/10/04/nfip-direct-dispute-dogs-flood-insurance-reform/

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