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.
Technology
The Quantum Frontier: Leading the Next Generation of Computing
Executive Summary The next consequential technology conversation is already here, and this time, it is not about artificial intelligence. Quantum technology is a fundamentally different approach to conventional computing that harnesses the behavior of subatomic particles to solve problems that have been, until now, completely impossible for current computers. The implications run in two directions:...
May 20, 2026