Protecting Homebuyers in Low‐Income Communities: Evaluating the Success of Texas Legislative Reforms in the Informal Homeownership Market

Among low‐income homebuyers, a contract for deed (CFD) has been a widely used but risky and informal mechanism for purchasing a home or lot. This article examines a series of major consumer protections adopted by the Texas Legislature from 1995 to 2005 and whether this legislation shaped the behavior of sellers who historically relied on CFDs in Texas colonias. Tracking changes in the use of CFDs between 1990 and 2010, we show that developers responded to the legislative reforms by shifting away from CFDs and into other forms of seller financing. At the same time, developers have adopted a series of workarounds to the legislation (presumably legal), leaving low‐income buyers vulnerable to rapid repossession by the developer. In contrast, the impact of the legislation on low‐income residents selling their homes has been minimal. These consumer‐to‐consumer transactions remain highly informal, with ongoing reliance on the now illegal, unrecorded CFD.     

Soviet Transport Trends, 1950–1990

This paper examines links between the Soviet transport sector and other sectors of the economy. In the 1970s, the transport sector was perceived as a bottleneck. As growth slowed in the late 70s, howevar, the transport sector was able to meet the economy's demands. At present, the transportation of oil and gas is placing an increasing burden on the transport sector, but pipelines can absorb the demands, freeing up rail transport capacity for other commodities. The willingness of Soviet officials to make the appropriate administrative reforms, apply new technologies and increase investment in this sector will determine transport's ability to meet future demands. Journal of Economic Literature, Classification Numbers: 052, 124, 731.     

Suicidal Carbon Monoxide Poisoning by Combining Formic Acid and Sulfuric Acid Within a Confined Space

Suicide by inhalation of carbon monoxide produced by mixing formic acid and sulfuric acid within a confined space is a rare method of suicide. This method is similar to the so‐called “detergent suicide” method where an acid‐based detergent is mixed with a sulfur source to produce hydrogen sulfide. Both methods produce a toxic gas that poses significant hazards for death investigators, first responders and bystanders. Carbon monoxide is an odorless gas, while hydrogen sulfide has a characteristic rotten eggs odor, so the risks associated with carbon monoxide are potentially greater due to lack of an important warning signal. While detergent suicides have become increasingly common in the USA, suicide with formic acid and sulfuric acid is rare with only three prior cases being reported. Greater awareness of this method among death investigators is warranted because of the special risks of accidental intoxication by toxic gas and the possibility that this method of suicide will become more common in the future.     

Computer-Animated Displays and the Jury: Facilitative and Prejudicial Effects

Two experiments assessed the effects of computer-animated displays on mock jurors. In both, participants watched a trial involving a dispute over whether a man who fell to his death had accidentally slipped or jumped in a suicide. They watched a proplaintiff or prodefendant version in which the body landed 5–10 feet or 20–25 feet from the building. Within each condition, the distance testimony was presented orally or with an animated display. When the tape depicted the event in a neutral manner, judgments were more consistent with the physical evidence. But when the plaintiff and defense used the tape to depict their own partisan theories, participants increasingly made judgments that contradicted the physical evidence. Results suggest that computer-animated displays have greater impact than oral testimony. Whether that impact is to facilitate or mislead a jury, however, depends on the nature of the display.     

THE EFFECT OF DIVORCE ON DAILY ROUTINE

Literature on the effect of divorce has suggested that the daily routine of the divorced individual would change considerably. The present study was designed to investigate what aspects of daily routine were affected when a person separated from his or her spouse. Divorced persons were found to be more active with their personal affairs and less involved with community responsibilities. Leisure activities increased for the divorced. Productivity at work was not affected, although difficulties in concentration were reported.