Key Concepts in Property Insurance for Water Loss

Modern insurance litigation began in the mid-1970s, as policyholders and insurers squared off over coverage for asbestos liabilities. With the passage of Superfund and other environmental laws, policyholders assailed their insurers with claims of coverage for hundreds of billions of dollars of environmental liability. These liabilities concentrated attention on liability policies for many years.

More recently, attention has shifted to policies. America's two greatest tragedies of the new millennium, the World Trade Center and Hurricane Katrina, resulted in a multitude of claims under property policies. Climate change will undoubtedly increase the prevalence of such claims. This article examines coverage under property policies for water-related claims.     

How postsecondary education improves adult outcomes for Supplemental Security Income children with severe hearing impairments

The rapid growth in the number of children participating in the Supplemental Security Income (SSI) program before the age of 18 has led policymakers to consider new methods of assisting children with disabilities in their transition from school to work. Postsecondary education represents one path that SSI children may take to acquire the skills necessary to enter employment and reduce dependency on the SSI disability program as adults. Yet little is known about SSI children's experience with postsecondary education, let alone their ability to increase their labor market earnings and reduce their time on SSI as adults in the long term. This lack of information on long-term outcomes is due in part to a lack of longitudinal data. This article uses a unique longitudinal data set to conduct a case study of SSI children who applied for postsecondary education at the National Technical Institute for the Deaf (NTID) within the Rochester Institute of Technology. The data set was created by merging NTID administrative data on the characteristics and experiences of its applicants to Social Security Administration (SSA) longitudinal data on earnings and program participation. We used this data file to estimate the likelihood that an SSI child will graduate from NTID relative to other hearing-impaired NTID applicants, and we estimated the influence of graduation from NTID on participation in the SSI adult program and later success in the labor market. The results of our analysis show that the percentage of NTID applicants who were SSI children increased over time, from a low of 10 percent in 1982 to more than 41 percent in 2000. However, the differences in the probability of graduation from NTID between deaf SSI children and deaf applicants who were not SSI children did not change accordingly. The probability of graduation for SSI children who applied to NTID was 13.5 percentage points lower than for those who were not SSI children. The estimated disparity indicates that targeting college retention programs toward SSI children may be an effective way to improve overall graduation rates. Our results also show that SSI children who graduated from NTID spent less time in the SSI adult program and had higher earnings than SSI children who did not gradu- ate. Compared with SSI children who were accepted to NTID but chose not to attend, SSI children who graduated from NTID left the SSI program 19 months earlier, were less likely to reenter the program, and at age 30 had increased their earnings by an estimated 49 percent. Our findings demonstrate that SSI children need not be relegated to a lifetime of SSI participation as adults, despite the poor overall labor market experience of this population since the creation of the SSI program in 1974.     

The Literature of Pain

In light of the recent Abu Ghraib prison scandal, this paper examines various works of literature to reveal that people who have prisoners in their power tend to torment their victims. Richard Henry Dana and Herman Melville’s seafaring novels reveal how the captain and his mates assume brutal, godlike powers over the common sailors; T. E. Lawrence describes how the victim’s pain can become a masochistic pleasure; Franz Kafka imagines a state of universal guilt, where the victim, an average man, suffers in the grip of an elaborate torture machine; Fyodor Dostoyevsky and Jacobo Timerman, both political prisoners who survived to describe their terror, and George Orwell, meditating on contemporary totalitarian regimes as he suffered the agonies of medical treatment, transform their pain into art. Such literary works provide insights into the morally ambiguous depths of punishment. Every scene of torture, based on the authors’ experience, observation and imagination, has the same context as those vividly captured in the Abu Ghraib snapshots.

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Negative Campaigning in the Social Media Age: Attack Advertising on Facebook

Recent studies examine politicians’ decisions to use social media, as well as the content of the messages that these political actors disseminate on social media platforms. We contribute to this literature by examining how race competitiveness and a candidate’s position in the race relative to her opponent affect their decisions to issue attacks. Through content analysis of nearly 15,000 Facebook posts for tone (positive or negative), we find that while competitive races encourage both candidates to issue more negative posts, candidates in less competitive races embrace attack messages with more or less frequency depending on whether they trail or lead their opponent. We find that social media negativity is much more likely to be a desperation strategy employed by underdog candidates in less competitive races. We also run separate models examining the factors that drive policy and personal attacks. While underdog candidates are more likely to engage in issue attacks, candidates in competitive races are significantly more likely to use Facebook to make personal attacks.     

More than Old Friends? Narrative in Australia's Relationship with Korea

Attempts to come to terms with Australia's relationship with South Korea routinely emphasise material dynamics, such as volume and value of trade, military exchange and security cooperation, or formal diplomatic engagement. This study focuses instead on the nuances of persuasive appeal in “stories”, which comprise a key component of the broader narrative of Australia's relationship with South Korea. I undertake a rhetorical analysis of three key stories conveyed at all levels of official foreign policy communication. I find the Australian narrative seeks to endow the bilateral relationship with authority, establish a sense of similarity and commitment, and invokes indebtedness and reciprocity. While such representations are significant to the broader bilateral relationship, a key challenge here concerns the extent to which these representations are genuinely shared and resonant depictions of Australia‐South Korea relations.     

Now: prefigurative politics through a north Indian lens

This paper focuses on ‘prefigurative politics’ – embodying in the present one's vision of the future – among young people in north India. In so doing it contributes to wider debates on oppositional politics, temporality, India and youth. Building on recent fieldwork in Uttarakhand and Uttar Pradesh, we highlight the ubiquity of civic-minded everyday forms of prefigurative politics among a subset of young men and young women. We examine the temporality of this politics, which, like other recent prefigurative action across the world, emphasizes acting in the present. Young people in north India tend to view the future not as a point on the horizon but as the precipitate of their daily activities. By identifying the energetic attempts of young people within and beyond India to engage in social action, we also provide a counterpoint to negative stereotypes of youth circulating in the media and some scholarly circles.