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The Future of Government Backed Insurance Markets

Government backed insurance was never meant to be the main stage. It was designed as a backstop, a temporary solution when private markets couldn’t...

How Flood Maps Are Redefining Property Values

Flood maps used to be a technical detail. A document you glanced at during closing, filed away after the mortgage was signed. That’s no longer...

Who Pays When Insurance Pulls Out?

Insurance rarely disappears overnight. It retreats quietly. Premiums rise first. Coverage narrows. Deductibles climb. Then underwriting rules tighten, certain risks are excluded, and eventually whole...

Are Employers Falling Behind the Real Cost of Living?

On paper, wages are rising. Job openings remain plentiful. Employers point to higher pay, expanded benefits, and a competitive labor market. Yet many workers feel...

Property Taxes vs Insurance: The Next Housing Cost Shock

For years, rising home prices dominated the housing affordability conversation. Then mortgage rates took center stage. Now, a quieter but potentially more destabilizing force...

Income Volatility Is the New Normal And Policy Hasn’t Caught Up

For much of the postwar era, economic policy rested on a simple assumption: income was stable. Paychecks arrived on schedule. Jobs lasted. Benefits followed...

The Psychological Weight of Permanent Bills

There was a time when bills were something households managed. Today, for many Americans, they feel more like something that manages them. Monthly obligations such...

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