Consumer Benefits of Access to Short-Term Credit

Bring Home the Mississippi Miracle: A Texas Triumph in Early Literacy

Bring Home the Mississippi Miracle: A Texas Triumph in Early Literacy Texas lacks a coherent third-grade literacy standard and statewide implementation system. Restoring a mastery-based promotion gate and aligning coaching, screening, and funding can reverse stagnating reading outcomes. Key points: Texas removed its third-grade promotion requirement, weakening the connection between reading mastery and grade advancement....

Forecasting the Future of the ERCOT Grid, Part 1: The Ongoing Winter Reliability Challenge

Forecasting the Future of the ERCOT Grid, Part 1: The Ongoing Winter Reliability Challenge Written By: Michael Reed and Brent Bennett, Ph.D. Download the full research paper here. Key Points While the operational performance of the ERCOT grid has improved since Winter Storm Uri in 2021, the increasing reliance of the grid on wind, solar,...

Homeowners’ Insurance

Reform of the Texas homeowners’ insurance market in 2003 called for a file-and-use regulatory system. However, in 2009, the Sunset Review 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.”...