Redlining or risk? A spatial analysis of auto insurance rates in Los Angeles

Auto insurance rates can vary dramatically, with much higher premiums in poor and minority areas than elsewhere, even after accounting for individual characteristics, driving history, and coverage. This paper uses a unique data set to examine the relative influence of place‐based socioeconomic characteristics (or redlining) and place‐based risk factors on the place‐based component of automobile insurance premiums. We use a novel approach of combining tract‐level census data and car insurance rate quotes from multiple companies for sub‐areas within the city of Los Angeles. The quotes are for a hypothetical individual with identical demographic and auto characteristics, driving records, and insurance coverage. This method allows the individual demographic and driving record to be fixed. Multivariate models are then used to estimate the independent contributions of these risk and redlining factors to the place‐based component of the car insurance premium. We find that both risk and redlining factors are associated with variations in insurance costs in the place‐based component, with black and poor neighborhoods being adversely affected, although risk factors are stronger predictors. However, even after risk factors are taken into account in the model specification, SES factors remain statistically significant. Moreover, simulations show that redlining factors explain more of the gap in auto insurance premiums between black (and Latino) and white neighborhoods and between poor and nonpoor neighborhoods. The findings do not appear sensitive to the individual characteristics of the hypothetical driver. © 2007 by the Association for Public Policy Analysis and Management     

The Impact of Unpunished Hate Crimes: When Derogating the Victim Extends into Derogating the Group

Just world research has shown that observers derogate victims more for their misfortunes if the perpetrator is not harshly punished (Lerner in J Personal Soc Psychol 1(4):355–360, 1980). However, few studies have investigated minority group derogation as a just world preservation strategy after instances of intergroup harm-doing. This study is among the first to demonstrate the derogation of both individual victims and of the victim’s minority group experimentally, using the context of a racist hate crime in Australia. In the present experiment, participants (N = 110) read a news article describing a hate crime against an Aboriginal Australian teenager and were informed that the perpetrator was harshly or leniently punished (secure vs. justice threat condition). Our results show that in the justice threat condition, participants not only derogated the individual Aboriginal Australian victim more after his death, they also expressed greater racism toward the victim’s group. An indirect effect of the justice threat condition on modern racism via individual victim derogation was observed, along with moderating effects of individual differences in belief in a just world. These findings provide support for the alarming hypothesis that racist hate crimes are not only the manifestation of a racist society, but may also bolster racial prejudices if leniently treated. The results highlight the important role of political and judicial authorities, whose response or non-response to a hate crime can exacerbate or ameliorate existing prejudices.     

Stability studies of ALD-52 and its homologue 1P-LSD

With the emergence of new psychoactive substances (NPSs) over the years, the substances detected on stamps (also known as blotter papers) have also evolved from the traditional drug—lysergic acid diethylamide (LSD) to the multiple variants of lysergamides such as ALD-52 and 1P-LSD. The analysis of such blotter papers is usually done by solvent extraction followed by identification using gas chromatography–mass spectrometry (GC-MS). This study has shown that hydrolysis to form LSD was observed in GC-MS analysis when ALD-52 was extracted with methanol. The extraction of ALD-52 using other solvents such as acetonitrile, ethanol, isopropyl alcohol, ethyl acetate, and acetone, followed by GC-MS analysis, was investigated. It is shown that alcoholic solvents such as methanol and ethanol will result in the conversion of ALD-52 to LSD during GC-MS analysis, whereas the sterically hindered isopropyl alcohol will prevent this conversion. Investigation also shows that the hydrolysis of ALD-52 to LSD occurs at the GC injector port. It was also observed that the degree of hydrolysis was more pronounced at a lower concentration (0.1 mg/mL). The study was extended to a close analog—1P-LSD, and the results showed that 1P-LSD similarly hydrolyzes to LSD. However, 1P-LSD was observed to be more stable than ALD-52 due to steric hindrance because of the propanoyl group.     

Exploration of the Community Attitude toward Sex Offender Scale in a Chinese Cultural Context

Chinese culture holds very different beliefs regarding sex offenses, violence against women and punishment against offenders. Little is known however about Chinese attitudes toward sex offenders and sex offending policies. The aim of this study was to validate the Community Attitude toward Sex Offender Scale in the Chinese cultural context. Results from a territory-wide telephone survey in Hong Kong revealed a three factor structure that measures perceptions of sex offenders’ social isolation, deviancy and punitive attitudes toward sex offenders. The scale has been renamed as the simplified Community Attitude toward Sex Offender Scale-Chinese (CATSO-C). Each subscale and the total scale showed acceptable internal reliability. This instrument has implications for future cross-cultural studies as well as professionals that work with sex offenders.     

地方政府决策中的公民利益汇聚模式探究

公共政策是对公共资源的一种权威性分配,利益取向是资源分配的重要依据,公民利益则是地方政府决策的源流。因此,研究地方政府决策中的公民利益汇聚模式,探讨当前模式存在的阻滞因素及相应对策,有助于为地方政府实现决策的民主化和科学化提供理论借鉴。     

Recognizing regions: ASEAN's struggle for recognition

Abstract

Does recognition matter for a region as much as it does for a state and a person? This article examines the power of recognition in shaping regional cooperation. Rather than focusing on the behaviours and interactions between member states, which most studies have done, this article introduces a recognition model to investigate how the social practices of a region with non-member entities promote regional cooperation. By viewing recognition as a tradable commodity and an independent variable, the framework illustrates how the contest for recognition permeates beyond interpersonal and interstate interactions to include the struggle for recognition by regions. The model hypothesizes that the extent of recognition accorded to a region has an influence on its development. Drawing on newly released US declassified diplomatic records, this article tests the soundness of the proposed recognition model for regions by analysing the Association of Southeast Asian Nations’ (ASEAN) struggle for recognition in the 1970s. It discusses how recognition was traded between ASEAN and three foreign powers, namely the USA, Japan and the European Economic Community, during the grouping's formative years. The findings suggest that the strengthening of a regional concept is influenced by the willingness of, and the extent to which, foreign powers recognize the entity. The central theme of this article is that recognition plays an important function in the development of a regional concept.     

“The Color of Money” revisited: Racial lending patterns in Atlanta's neighborhoods

Abstract

In 1988, the Atlanta Journal‐Constitution published “The Color of Money,” an influential series examining mortgage redlining in Atlanta. The articles documented wide lending disparities between white and black neighborhoods of similar income levels. Given sweeping changes in housing finance since 1988, we seek to determine whether Atlanta's racial geographic disparities in mortgage lending have changed.

Analysis of 1992 to 1996 Home Mortgage Disclosure Act data reveals slight improvement. Atlanta's depository lenders made 4.2 times as many conventional home purchase loans per owner‐occupied unit to middle‐income white neighborhoods as they did to middle‐income black neighborhoods; a decade earlier, this ratio was 5.2. Nondepositories post lower ratios, particularly for Federal Housing Administration‐insured loans, but this market segment raises concerns because of potential abuses. By the indicator of most enduring theoretical and policy interest—conventional home purchase lending by depositories—the patterns that aroused concern a decade ago are still evident today.     

Singapore’s Phantom Workers

In 2009, the Singapore state prosecuted a string of businesses for listing fictitious local workers on their books in order to stretch their foreign worker entitlement. These “phantom” worker scams, prevalent since the 1980s, appear out of place in Singapore – a country with a strong international reputation for its government’s efficiency and strict legal enforcement. This paper examines the state’s prosecutions of the phantom worker scams in the context of the exceptional economic and political stresses in 2009, when Singapore was most severely affected by the global economic crisis, in order to address the employment regime in Singapore. It argues that the belated efforts to tackle the phantom worker scams reflected the pro-business state’s reluctance to tackle illegalities crucial to facilitating employers’ otherwise unlawful access to wealth and resources in Singapore.     

Internet intermediaries: The liability for defamatory postings in China and Hong Kong

The debate between protecting the freedom of expression on the one hand and the right to an individual privacy on the other is not new. Certainly with the introduction of the Internet, the debate has moved onto a whole new level. While no-one disputes that the Internet has significantly transformed lives by allowing netizens to create, share, and communicate within the global village, the Internet has also provided the means to publish and disseminate false information and derogatory remarks callously and expediently. The aim of this paper is to provide a brief comparative study of the approaches in China and in Hong Kong with respect to Internet intermediary liability for defamatory postings and whether the approaches taken provide the necessary balance between the right of free expression and the right to protect one’s reputation. The paper starts by dealing with the position in China pre and post Tort Liability Law. The paper then continues by examining the position in Hong Kong focusing particularly on the recent Court of Appeal decision in Oriental Press Group Ltd v Fevaworks Solutions Ltd. In comparing the position in China and Hong Kong, the paper provides a conclusion as a possible way forward for Internet intermediary liability in China and Hong Kong.