The article argues that recent executive overreach and politicization have severely undermined established norms of U.S. civil-military relations. To restore professional standards, the incoming Congress must actively exercise its oversight powers, moving beyond mere criticism to demanding transparency in defense policy and personnel decisions. Key reforms include enforcing meritocratic promotion processes, requiring documented justification for senior officer removals, and preventing the partisan use of the military. These actions are crucial for bolstering public trust and ensuring the military remains a nonpartisan instrument of civilian control.
How local homeowners insurance market stress impacts urban and suburban housing markets
English Summary
The analysis reframes the insurance crisis, arguing that homeowners insurance strain is disproportionately concentrated in urban cores, rather than solely in environmentally exposed suburban areas. This urban strain is driven by non-environmental perils—such as crime, older building stock, and high labor costs—which are not typically covered by public backstops. The study finds a strong correlation between increased insurance strain and significant declines in both single-family home prices and multi-family rents, particularly near downtown. Policymakers must therefore adjust housing affordability strategies to account for these unique, non-catastrophe-related risks that define the cost and availability of urban property insurance.
中文摘要
本分析重新定義了保險危機，主張房屋保險的壓力不成比例地集中在城市核心區，而非僅限於環境暴露的郊區。這種城市壓力源於非環境性風險，例如犯罪、老舊建築結構和高昂的勞動力成本，這些風險通常不受公共擔保的覆蓋。研究發現，保險壓力增加與單戶住宅價格和多戶租金的顯著下跌存在強相關性，尤其是在市中心附近。因此，政策制定者必須調整住房可負擔性策略，以考慮到這些定義城市房產保險成本和可得性的獨特、非災難相關風險。
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