Mold for Gold

October 15, 2002

The problem is, little reliable medical or sci-entific evidence exists establishing a causal link between mold and illness. To date, “toxic” mold is largely considered toxic be-cause the personal injury bar says so.

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TWIA’s Expanding Reach Raises Fresh Concerns

TWIA has become the leading wind and hail insurer in the catastrophe area. Its position has direct and indirect consequences for Texans statewide. Key points: Since 2020, TWIA has steadily increased its market share in the catastrophe area, raising concerns about scope and cost. TWIA’s quasi-governmental model imposes potential costs on statewide policyholders and private...

September 15, 2026

Local Government

Reinvigorating Federalism and Fiscal Discipline in Texas: Establishing the Office of State Sovereignty

Texas governments received $84.3 billion in federal funding in 2023, raising concerns over financial dependency and regulatory consequences. Creating an Office of State Sovereignty to monitor the application, receipt, and conditions of this aid could mitigate fiscal risk and improve transparency. Key points: Texas lacks a centralized system to oversee federal grants potentially flowing to...

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Housing Is Too Expensive. Blame Your Local Tree Ordinance.

Matthew Bernard wanted to build a home. He bought a small lot in Oakland, California, and began clearing several diseased and fallen trees that the local fire department had identified as hazards. The result was a $915,000 “mitigation fee” from the city of Oakland—nearly five times the value of the lot itself. Under Oakland’s tree ordinance,...

August 27, 2026

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Housing Is Too Expensive. Blame Your Local Tree Ordinance.