The Abuse Disability Questionnaire: Internal Consistency and Validity Considerations in Two Samples

Comparative psychometric information on the Abuse Disability Questionnaire (ADQ), given to women who were receiving services from domestic violence shelters, was presented. The total score of the ADQ and its subscale scores for Relationship Disability, Life Restriction, Psychological Dysfunction, and Health Status Issues demonstrated adequate internal consistency across two shelter samples. Further construct validation was evidenced by the relationship found between self-esteem and impairment, and also between prior abuse and impairment. Additional research to establish the utility of the Abuse Disability Questionnaire as a research and/or clinical instrument was proposed.     

A market based evaluation of the election versus appointment of regulatory commissioners

This paper examines the elected versus appointed commissioner dichotomy from a market value perspective. Previous empirical analysis tends to concentrate on rates rather than examining the impact on shareholders' wealth. We examine life insurance industry data during the period surrounding the passage of California's Proposition 103. The primary impact of the referendum on life insurers is to change the method of commissioner selection from appointment to popular vote. We find that this change significantly reduced the value of life insurers doing business in California. This result is consistent with the recent findings of Boyes and McDowell (1989) and Smartt (1994) using alternative evaluation procedures for firms in other regulated industries. This implies that the change to a popular election of commissioners either increases the level of risk and/or decreases the expected cash flows of regulated firms.     

Culling the cousins: Kingship,kinship, and competition in mid-millennial England

Kin selection, an aspect of evolutionary theory, argues that, all else equal, individuals should give preferential treatment to relatives, based on the degree of relatedness [Hamilton, W. D. (1964). The genetical evolution of social behaviour I, II. Journal of Theoretical Biology, 7, 1–52.]. However, one may observe instances where competition for scarce or unique resources is stronger between family members than between unrelated individuals. Such a situation existed between 1377 and 1603 with intense competition for the throne of England among descendents of Edward III. During this period, monarchs were executed by relatives to gain or maintain the throne for him or herself or descendents. Despite the widespread destruction of kindred, we show that executioners never sacrificed lineal relatives nor executed collateral relatives in excess of their own legitimate nuclear relatedness, and the number of executed relatives was positively correlated to the age and legitimate reproductive success of the executioner. Moreover, when resources are scarce, have an intrinsically high value, and are inherited, it may be in your Darwinian reproductive interest not to maximize but to minimize the number of legitimate children in order to reduce competition among family members.     

Turning everywhere,getting nowhere: experiences of seeking help for mortgage delinquency and their implications for foreclosure prevention

The growing literature on financial, demographic, and institutional aspects of the foreclosure crisis largely neglects the experiences and actions of homeowners. This in-depth account of homeowners' responses to mortgage delinquency and the success of the strategies they employ to prevent foreclosure is based on focus groups conducted in 2006 with low- and moderate-income homeowners, and nonprofit housing professionals in five US cities. The events precipitating mortgage delinquency often set off a cascade of trouble placing multiple demands on homeowners' financial, emotional, and social resources. Homeowners pursued foreclosure prevention assistance from a variety of sources including their lender, social welfare agencies, and nonprofit homeownership organizations, but encountered many obstacles to resolving mortgage delinquency. Their unsuccessful attempts to secure assistance contributed to financial and emotional strain and sometimes worsened prospects of preventing foreclosure. Despite the numerous federal policies developed to address the problem of foreclosure, the experiences described by participants in this study continue, indicating the need for more systematic, enforceable, and preventive policies to address foreclosures in the future.