Local Government 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
Criminal Justice Safer Communities Through Second Chances: The Case for Federal Expungement When criminal records follow people forever, families struggle, employers lose workers, and communities lose productive citizens. Federal law offers almost no path to redemption, even though second chances strengthen public safety and the economy. Key Points The federal expungement system is effectively nonexistent. Permanent criminal records for non-violent federal offenses undermine work opportunities, family stability,... September 15, 2026
Criminal Justice Prosecute Traffickers, Not Victims The central paradox of human trafficking is that victims, not traffickers, are most likely to face criminal charges. In fact, an individual is more likely to be struck by lightning than prosecuted for trafficking. Which begs the question, why? How Traffickers Turn Victims into Defendants To start, prosecutors and law enforcement act on the best available information... September 1, 2026