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The Third Rail of U.S. Politics: The Current Immigration Debate in the United States
There are an estimated 15 million undocumented immigrants in the United States. At 16 percent of the nation’s population, Hispanics are the largest ethnic minority in the United States and are believed to make up the majority of undocumented immigrants in the country. The lack of a cohesive and workable federal response to undocumented immigration has left a political and security vacuum, which state and local governments have increasingly filled. These responses may run counter to the U.S. Constitution and the fundamental rights of U.S. citizens, let alone immigrants. Comprehensive immigration reform has become the third rail of U.S. politics and with the losses in the House of Representatives by the Democratic Party in the last November elections, such bold new approaches to the increasing problem of illegal immigration are unlikely to move forward. Instead, exclusionary proposals like amending the Fourteen Amendment, relating to birthright citizenship, and local initiatives like the so-called Arizona Law and the Senate Bill 1070 (SB 1070) will be in the offering. The lack of leadership in Washington D.C. on comprehensive immigration reform is fast destroying the gains that the Latino community has earned and their support for president Obama. Senate Bill 1070 is not only about illegal immigrants but also calls into question America’s so-called post racial society
When Enough Is Not Enough: Correcting Market Inefficiencies In The Purchase And Sale Of Residential Property Insurance
Each year at least hundreds, and often thousands of Americans lose their homes to natural disasters striking populated areas. Tens of thousands lose their homes to single-instance fires, floods, or other catastrophes. The majority of these homeowners are underinsured, meaning they have less insurance than it will cost to rebuild their homes. This Article analyzes whether such underinsurance indicates correctible inefficiencies in the residential property insurance markets. The Article identifies two inefficiencies: (1) Inadequate information, which impairs informed pricing decisions by purchasers; and (2) Dispute costs (such as litigation) in the instances of loss exceeding coverage. The Article proposes addressing these inefficiencies by adopting a mandatory disclosure, provided at the time of purchase or renewal of insurance based on the EnergyGuide program labeling appliances for energy consumption, and in turn then barring litigation on adequacy of coverage