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State of the Nation - a UK Perspective on Covid-19

Disaster Planning and Emergency Management

Since 2008, pandemics have been top of the list of 96 threats and hazards in the UK National Risk Register of Civil Emergencies in all editions. There were major exercises on pandemics in 2005, 2007 and 2016. Plans were made in the UK in 2006, 2008, 2011 and 2014. I have taught it every year since then.

2008 52
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Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

In 2007, the Government Accountability Office (GAO), a non-partisan research arm of Congress, studied title insurance. The 2007 GAO report indicates this has been the historic practice in the title insurance business. The ten-year average from 2014 to 2023 was 6.4 A non-paywalled summary can be found at: [link].

Housing 59
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Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

This was described on the one hand as unfair, since it relied on overcharging low-risk borrowers “who had played by all the rules” and, on the other hand, as unduly incenting bad loans at the GSEs (by charging too little for high-risk loans) in a quasi-replay of the lead up to the mortgage bubble of 2005 to 2008.