While TWIA may have been intended as a residual provider, it has become anything but that. Its unrealistically low rates have made TWIA an unbeatable competitor which is crowding out the private market yet doesn’t have the money to pay off major claims.
Family
What George Bailey Understood About Housing and Families
In It’s a Wonderful Life, George Bailey’s great ambition is not wealth or status. It is something far more ordinary and far more powerful: the ability for working families to afford a home, put down roots, and build a future together. Bedford Falls thrives not because of grand social programs, but because ordinary people can buy modest homes...
December 17, 2025