Reform of the Texas homeowners’ insurance market in 2003 called for a file-and-use regulatory system. However, in 2009, the Sunset Advisory Commission’s Staff Report on the Texas Department of Insurance (TDI) rightly concluded that the “Legislature cannot judge the success of the shift to file-and-use rate regulation because the system has not been fully implemented.” Conditions have little improved since the report was issued.
Ranked-Choice Voting: Overview and Model Legislation
The movement to adopt ranked-choice voting as a system for elections has been growing throughout the nation. It is a complex method of voting that has a disenfranchising effect and violates the “one person, one vote” doctrine. Key Points: Ranked-choice voting is slow, confusing, and complex. RCV violates the one person, one vote doctrine. RCV...