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

Disaster Planning and Emergency Management

Since the start of the crisis, I have constantly affirmed that the key to understanding the effects of this pandemic is the UK Government's failure to give adequate weight to emergency planning and management (Alexander 2020a, 2020b). There were major exercises on pandemics in 2005, 2007 and 2016. The Guardian , 5 May 2020.

2008 52
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Current GSE Guarantee Fees Are Too Low to Be Consistent with Regulatory Capital: Does This Mean a Large Increase Is Coming?

The Stoop (NYU Furman Center)

The average guarantee fee (G-fee) of Freddie Mac and Fannie Mae, the two government-sponsored enterprises (GSEs), who currently finance about half of the nearly $13 trillion of outstanding first-lien single-family mortgages in the country, 1 is among the most closely-watched numbers by housing finance policymakers and the mortgage lending industry.

2008 52
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The Road Not Taken | a response to a letter to the editor in the Washington Post about DC, traffic deaths and traffic safety

Rebuilding Place in Urban Space

Definitely this is another example of DC government's failure to focus and to be innovative. Since 2005 or 2006 I have been recommending that the city create Traffic Management Districts as a way to coordinate transportation management and improvements at the commercial district scale (e.g. Government has a bias for inaction.

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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)

The Federal Housing Finance Agency (FHFA), the regulator and conservator of Freddie Mac and Fannie Mae, the two government-sponsored enterprises (GSEs), has been very prominently in the news lately. Department of Veterans Affairs (VA). This is in addition to the fee sometimes varying by product type (e.g.,