Taking The Joy Out Of An Insurance Policy

by Clare Briggs · May 11, 2020

Tags: 1927 insurance

Clare Briggs

Clare Briggs is a famous cartoonist who lived from 1875 to 1930. Poems by Wilbur Nesbitt.

Coronablog

{C1} The Christian Science Monitor looks at 1918 and how sports handled that pandemic, and the role it played in giving rise to college football.

"That's really what started the big boom of college football in the 1920s," said Jeremy Swick, historian at the College Football Hall of Fame. "People were ready. They were back from war. They wanted to play football again. There weren't as many restrictions about going out. You could enroll back in school pretty easily. You see a great level of talent come back into the atmosphere. There's new money. It started to get to the roar of the Roaring '20s and that's when you see the stadiums arm race. Who can build the biggest and baddest stadium?"

{C2} During times of rapid change, social science is supposed to be able to help lead the way or at least decipher what is going on. Or maybe not...

But while Willer, Van Bavel, and their colleagues were putting together their paper, another team of researchers put together their own, entirely opposite, call to arms: a plea, in the face of an avalanche of behavioral science research on COVID-19, for psychology researchers to have some humility. This paper—currently published online in draft format and seeding avid debates on social media—argues that much of psychological research is nowhere near the point of being ready to help in a crisis. Instead, it sketches out an “evidence readiness” framework to help people determine when the field will be.

{C3} There is a related story about AI - which is predisposed towards tracking slow change over time - is having trouble keeping up.

{C4} The Covid-19 does not bode well for higher education is not news. They may have a lot of difficulty opening up (and maybe shouldn't). An added wrinkle is kids taking a gap year, which is potentially a problem because those most able to pay may be least likely to attend.

{C5} People who can see the faults with abstinence only education fail to see how that logic (We shouldn't give guidance to people doing things we would rather they not do in the first place). Emily Oster argues that the extreme message of public health advocates to Just Stay Home is counterproductive.

When people are advised that one very difficult behavior is safe, and (implicitly or not) that everything else is risky, they may crack under the pressure, or throw up their hands. That is, if people think all activities (other than staying home) are equally risky, they figure they might as well do those that are more fun. If taking a walk at a six-foot distance from a friend puts me at very high risk, why not just have that friend and a bunch of others over for a barbecue? It’s more fun. This is an exaggeration, of course, but different activities carry very different risks, and conscientious civic leaders should actively help people choose among them.

{C6} A look at what canceling the football season will do to the little guys - non-power schools. Ironically, they may sustain less damage due to fewer financial obligations relying on the money that won't be coming in. Be that as it may, Fordham has disestablished its baseball program.

{C7} Bans on evictions and rental spikes could have the main effect of simply pushing out small investors, rather than protecting renters. In a more good-faith economy this would be less of an issue because landlords would work with tenants. Which some are, though I don't have too much faith about it being widespread.

{C8} Three cheers for Nick Saban. Football coaches are cultural leaders of a sort. One is about to become a senator in Alabama, even. What they do matters.

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[caption id="attachment_330648" align="aligncenter" width="1024"] California State University, East Bay. Photo by Jennifer Williams via Wikimedia Commons[/caption]

The American college experience for better or for worse revolves around the residency factor. We have turned college into a relatively safe place for young adults to the test the limits of freedom without suffering too many consequences. Better to miss a day of classes because you drank too much than to miss a day of an apprenticeship or job and get fired. College was cut short this semester because of COVID and colleges are freaking out about whether they can open up dorms in the fall. The dorms are big money makers and it is hard to justify huge tuition bucks for zoom lectures even for elite universities. Maybe especially for them. California State University announced that Fall 2020 is going to be largely online. My undergrad alma mater sent out an e-mail blast announcing their plan to reopen in the fall with "mostly" in person classes. The President admitted that the plan was a work in progress but it strikes me as a combination of common sense and extreme wishful thinking. The plan may include:

1. Staggered drop-off days to limit density as we return.

This sounds reasonable but only in a temporary way because eventually everyone will be back on campus, living in dorm rooms together, needing to use communal bathrooms and showers.

2. Students would be tested for COVID-19 on campus at least twice in the first 14 days.

There is nothing wrong with this as long as the testing is available. Our capacity for testing so far in this country has not been great.

3. Anyone experiencing symptoms would be tested immediately. Students who test positive would be cared for in a separate dormitory area where food would be brought to the room and where the student could still access classes remotely.

Nothing wrong here. Outbreaks of certain diseases are not unknown in the college setting. During my senior year, there was an outbreak of a rather nasty strain of gastroenteritis. Other universities have experienced meningitis outbreaks.

4. All students would take their temperature and report symptoms daily.

This one is also reasonable but is going to involve spying on students and coming up with a punishment mechanism. How will they make sure students are not lying?

5. We would also require that socializing be kept to a minimum in the beginning, with proper PPE (masks) and social distancing. As time went on, we would seek to open up more, and students could socialize and eat together in small groups.

I have no idea how they tend for this to happen and it sets of all my lawyer bells for carefully crafted language that attempts to answer a concern or question but also admits "we got nothing." Maybe today's students are more somber and sincere but you are going to have around 500 eighteen year olds who are away from their parents for the first time and another 1500 nineteen to twenty-one year olds who had their semester rudely interrupted and might now be reunited with boyfriends and girlfriends. Are they going to assign eating times for the dining hall and put up solo eating cubicles that get wiped down and disinfected after each use? Assign times to use laundry facilities in each dorm? Cancel the clubs? Cancel performances by the theatre, dance, and music departments?

I am sympathetic to my alma I love it but and realize that a lot of colleges and universities would take a real hit financially without residency. This includes universities with reasonable to very large endowments. Only the ones with hedge fund size endowments would not suffer but the last part of the plain sounds not fully thought out yet even if my college's current President admitted: "Life on campus will not look the same as it did pre-pandemic" The only way i see number 5 working is if requiring is read as "requiring."

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Some Potentially Very Good News

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Seems that the theory that Covid-19 can be spread by asymptomatic people has very shaky evidence in support of it. Turns out the case this assumption was made from was based on a single woman who infected 4 others. Researchers talked to the 4 patients, and they all said the patient 0 did not appear ill, but they could not speak to patient 0 at the time.

So they finally got to talk to her, and she said she was feeling ill, but powered through with the aid of modern pharmaceuticals.

Photo by Spirit-Fire

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Latest Round of Stimulus Debated in Congress

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Speaker Nancy Pelosi has unveiled the plan for another $3 trillion in spending to offset the effects of the Coronavirus economic shutdown.

CNN:

House Democrats announced a sweeping new Covid-19 stimulus bill on Tuesday with a price tag expected to be more than $3 trillion -- an amount that would stand as the largest relief package in history.
The legislation, which provides funding for state and local governments, coronavirus testing, and a new round of direct payments to Americans, sets up an immediate clash with the Senate, where Republican leaders have said another round of emergency funding is not yet needed.
Sen. John Barrasso, a member of Republican leadership in the chamber, warned that the new bill is dead on arrival. "That will not pass. It's not going to be supported," he said of the new legislation.
The package is expected to cost more than $3 trillion, dwarfing the stimulus measure enacted in March, which was more than $2 trillion and at the time amounted to the largest emergency aid package in American history.
The bill, which Democrats are calling the Heroes Act, would provide nearly $1 trillion for state and local governments, a $200 billion fund for essential worker hazard pay, an additional $75 billion for Covid-19 testing, tracing and isolation efforts, and a new round of direct payments to Americans of up to $6,000 per household, according to a fact sheet released by the House Appropriations Committee.
House Majority Leader Steny Hoyer, a Maryland Democrat, notified members on Tuesday afternoon that the House is expected to meet Friday morning to vote on the legislation.

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Coronavirus: Now Cometh The Lawsuits

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It was inevitable. No, not Thanos, the lawsuits over Coronavirus shutdowns. And the litigators are coming for big name, and high cost, universities first:

WRAL:

Duke University is the latest local school hit with a lawsuit from frustrated students who say they aren't getting the education they paid for during the coronavirus pandemic.
An anonymous Duke university student recently filed the class-action suit, demanding repayment for the spring semester. According to his attorney, he wants to represent other Duke students to obtain repayment of tuition, room and board and other expenses in light of COVID-19.
The attorney said Duke University students have been forced to endure closed residence halls, canceled events, online learning in place of in-class courses and lack of access to labs, cafeterias and often their own belongings as dormitories shutdown in a rush response to the pandemic.
"What I want them to do is to do the right thing -- look at what they actually provided versus what they promised -- and come up with a partial refund that does the right thing by these people," said attorney Andrew Levetown.
The latest lawsuit follows similar actions from attorneys at the same law firm against Boston University, Brown University, George Washington University and Vanderbilt, in which students and parents sued their universities.

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Ten Second News

From Reason: Jo Jorgensen Wins Libertarian Party Presidential Nomination

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From Reason Magazine:

In a day-long virtual meeting, after four ballots, the 1,035 delegates assembled for the Libertarian Party's online convention selected Jo Jorgensen as their presidential candidate.
She won with slightly over 51 percent of the vote (not every delegate voted in every round) on that fourth ballot, with 524 votes. Jacob Hornberger came in second, with nearly 28 percent of the vote. Vermin Supreme came in third, with 20 percent of the final vote.

(Featured Image is Jo Jorgensen, taken from Wikipedia.)

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The Last Confession of Jane Roe

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The Last Confession of Jane Roe

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The most passionate of all our political debates is about to get a whole new, ugly chapter in it's long history opened up.

LA Times:

When Norma McCorvey, the anonymous plaintiff in the landmark Roe vs. Wade case, came out against abortion in 1995, it stunned the world and represented a huge symbolic victory for abortion opponents: “Jane Roe” had gone to the other side. For the remainder of her life, McCorvey worked to overturn the law that bore her name.
But it was all a lie, McCorvey says in a documentary filmed in the months before her death in 2017, claiming she only did it because she was paid by antiabortion groups including Operation Rescue.
“I was the big fish. I think it was a mutual thing. I took their money and they’d put me out in front of the cameras and tell me what to say. That’s what I’d say,” she says in “AKA Jane Roe,” which premieres Friday on FX. “It was all an act. I did it well too. I am a good actress.”
In what she describes as a “deathbed confession,” a visibly ailing McCorvey restates her support for reproductive rights in colorful terms: “If a young woman wants to have an abortion, that’s no skin off my ass. That’s why they call it choice.”
Arriving in an election year as the Supreme Court is considering a high-profile abortion case with the potential to undermine Roe vs. Wade and several states across the country have imposed so-called “heartbeat laws” effectively banning the procedure, “AKA Jane Roe” is likely to provoke strong emotions on both sides of this perennial front in the culture wars.
Director Nick Sweeney says his goal was not necessarily to stir controversy, but to create a fully realized portrait of a flawed, fascinating woman who changed the course of American history but felt she was used as a pawn by both sides in the debate.

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News Organization Wired Organizes and Pushes for Management to Recognize its Union

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Back in April, they officially started working with The News Guild of New York:

Since its founding 27 years ago, WIRED has prepared readers and viewers for the promises and upheavals of the future. Now it’s time to secure our own place in that future. We are proud to announce the @wired editorial staff has formed a union with @nyguild. 1/ pic.twitter.com/0TTwTHUMad
— WIRED Union (@wiredunion) April 22, 2020

And now, according to Anthony Lydgate, a sufficient number of staff has signed union cards:

An overwhelming number of @WIRED employees have signed union cards.
There are two ways this plays out:
1. Condé Nast recognizes us voluntarily
2. We take it to the NLRB and win in a landslide
Either way, there will be a @wiredunion.
Let’s stop this nonsense and get to work. https://t.co/tNL6S0Oj7U
— Anthony Lydgate (@anthonylydgate) May 18, 2020

(Featured image is "In The Nick of Time" by tim ellis . Used under creative commons license.)

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Deputy Fired for Hiding During Stoneman Douglas Shooting Reinstated

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One of four deptuties fired over the response of the Broward County Sheriff's Office, and the first supervisor on scene, has been reinstated via arbitration hearing.

The Broward Sheriff’s Office sergeant who was the first supervisor to respond to the Marjory Stoneman Douglas High School shooting and lost his job after it was found he hid behind his car as the first shots rang out, will be reinstated, awarded full back pay and get back his seniority, the BSO Deputies Association said Wednesday.
Sgt. Brian Miller was one of the four deputies who were terminated because of a “neglect of duty” in the Feb. 14, 2018, Parkland shooting, which killed 17 students and faculty members and injured another 17.
Miller, 57, was paid $138,410.25 in 2017, according to the Sun-Sentinel. The BSO veteran had challenged the decision with union backing. An arbitration ruling found “BSO violated Sgt. Brian Miller’s constitutional due process rights and improperly terminated him,” the union said.
BSO fired Miller in June 2019.
On Feb. 14, 2018, Nikolas Cruz, then a 19-year-old former Stoneman Douglas student, entered the school and opened fire, using a semi-automatic rifle to kill the students and staff.
BSO was criticized for its response to the shooting.
Then-Sheriff Scott Israel faced backlash from Broward Deputies Association President Jeff Bell, who said at the time Israel was going after deputies and sergeants by suspending them, but allowed Capt. Jan Jordan to resign.
Jordan took charge of the scene. She arrived within seven minutes of the first shots being fired and did not urge deputies to go into the school, according to reports at the time.
Deputies Edward Eason, Joshua Stambaugh, Scot Peterson and Miller were all fired months after the shootings. The sheriff’s office internal investigation had found they all failed in their duties.
According to a report by the Marjory Stoneman Douglas Public Safety Commission, which investigated the shootings, Miller was the first supervisor to respond; he arrived as shots were being fired. He hid behind his police cruiser and did not radio in for 10 minutes.

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Ahmaud Arbery Autopsy: Shot 3 Times, No Drugs or Alcohol in His System

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The Georgia Bureau of Investigation has announced the autopsy results for Ahmaud Arbery.

WSB-2 TV Atlanta:

The Georgia Bureau of Investigation released autopsy results late Monday night, which showed Arbery had been shot three times.
The Glynn County coroner’s office conducted the autopsy on Feb. 24, the day after Arbery’s death in a Brunswick, Georgia neighborhood.
The coroner’s report shows two close range gunshots hit Arbery’s chest: one in the upper left chest and a second in the lower chest near his lungs. The third bullet grazed his right wrist.
“This 25-year-old died of multiple gunshots wounds sustained during a struggle for the shotgun,” according the report dated April 1.
As a routine check, the GBI said neither drugs nor alcohol were found in his system.
We have reporters LIVE in Glynn County for the latest on the investigation, on Channel 2 Action News This Morning.
The autopsy results appear to line up with the video leaked on social media showing Arbery’s death. At least three gunshots could be heard in the video before Arbery fell to the ground.
The shooting death of Arbery, an unarmed black man, at the hands of two white men has sparked outrage.

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