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...
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,...
Democrats haven’t won a statewide office in Texas since 1994. So this year, the Democrat at the top of the ticket is seeking to topple Republican Gov. Greg Abbott – by pretending to be a conservative. No, really. Texas state Rep. Gina Hinojosa, a Democrat from Austin, is out with a new ad in her...