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.” Conditions have little improved since the report was issued.
K-12 Education
Going Medieval on Education Technology
Going Medieval on Education Technology Key points: Texas schools have acquired millions of one-to-one devices for use as educational technology. These devices are used for instruction, practice, assessment, and independent study. Significant evidence suggests that using screens reduces students’ reading ability, and the evidence for other subjects is mixed. Exposure to screens also risks harm...
August 31, 2026