A change in homeowners’ insurance regulation passed by the 78th Texas Legislature goes into effect in December 2004. Because it transforms the state from a “flexible band” to a “file and use” regulatory environment, the law – SB 14 – in theory moves Texas closer to being a free market in insurance. In the context of the homeowners’ insurance market as a whole, this paper examines the hoped-for positive outcomes and potential pitfalls of SB 14, which includes a provision for “subsequent disapproval” rulings by the insurance commissioner.
Higher Education
(Not) Cheaper by the Dozen | Debunking 12 Common Myths About Higher Education
Myth 1: A’s and B’s Are Marks of Distinction in College, With C’s Signifying Average Performance. Reality: According to GradeInflation.com, as well as other later surveys, in the early 1960s, the percentage of A’s awarded in colleges nationwide was 15%. But today, an A is the most common grade awarded in college. As of 2023,...
May 21, 2026