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U.S. Economy

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...

The New Cost of Stability: Why Fixed Expenses Are Breaking Family Budgets

For generations, financial stability was defined by predictability. A steady paycheck. A fixed mortgage. Bills you could plan around. Once those pieces were in...

Why Side Hustles Aren’t Closing the Wage Gap

For much of the past decade, side hustles have been sold as a financial safety valve. When wages lag, the thinking goes, workers can...

Climate Risk Is Now a Household Budget Issue: The New Financial Reality for American Families

For years, climate change was treated as a national or global challenge, something for policymakers, insurance companies, and environmental agencies to solve. But in...

Is the Insurance Industry Prepared for the Climate Era?

For decades, insurance has quietly served as the financial shock absorber of American life. Hurricanes, floods, droughts, and wildfires insurers paid, rates rose modestly,...

Is the Insurance Industry Prepared for the Climate Era?

For decades, insurance has quietly served as the financial shock absorber of American life. Hurricanes, floods, droughts, and wildfires insurers paid, rates rose modestly,...

Auto Insurance Inflation: The Hidden Economic Story No One Is Talking About

On paper, U.S. inflation is cooling. Headline CPI has come off its 2022 peak. Wages are growing modestly. Some consumer costs have stabilized. Yet for...

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