Zohoo

Segregation and Racial Gaps in Special Education

Racial segregation in U.S. schools has been illegal since the 1950s, but school enrollments remain stubbornly separate. About 70 percent of all Black students attend schools where more than half of students are non-white. By contrast, just 13 percent of white students attend predominately non-white schools. Such disparate enrollments mirror …

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Ethnic Studies in California

Among California’s many distinctions, the state stands out for the minimal requirements it imposes for high-school graduation, among the most lenient in the United States. California is one of a handful of states that require just three years of English and two years of math to earn a high-school diploma. …

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Teaching “the Antislavery Project”

In 2018, Harvard’s Donald Yacovone published in the Chronicle of Higher Education a review of 3,000 American-history textbooks stretching back into the 19th century. He was looking particularly for how these textbooks handled the subject of slavery—and was appalled (though not entirely surprised) that they depicted slavery as a benign institution where “untutored” …

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Teaching about Slavery

“Asking how to teach about slavery is a little like asking why we teach at all” Danielle Allen Daina Ramey Berry David W. Blight Allen C. Guelzo Robert Maranto Ian V. Rowe Adrienne Stang Both race in the classroom and the New York Times’s 1619 Project have been the subject of …

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Pandemic Parent Survey Finds Perverse Pattern

President-elect Joe Biden has made reopening a majority of K–8 schools for in-person instruction a priority for his administration’s first 100 days, with the goal of getting more American students safely back into the classroom. Yet neither information gathered so far by researchers, nor data reported by the federal government …

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Discrimination in Insurance Underwriting Guidelines

Race-based premiums, algorithms, and other practices target protected classes. The insurance industry uses underwriting guidelines to determine who they will insure and at what rate. Insurance deals in risk, so insurance companies create these guidelines to determine the circumstances under which they will assume that risk—and when they won’t because someone is too …

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Should America Pay Slavery Reparations?

What Are Slavery Reparations? Slavery reparations are restitution payments for slavery remitted to the descendants of enslaved people. In theory, American slavery reparations would be paid by entities that participated in slavery, such as the federal government, local governments, corporations, and universities. The history is complicated, but the overall principle …

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Mutual vs. Stock Insurance Companies

Mutual vs. Stock Insurance Companies: An Overview Insurance companies are classified as either stock or mutual depending on the ownership structure of the organization. There are also some exceptions, such as Blue Cross/Blue Shield and fraternal groups which have yet a different structure. Still, stock and mutual companies are by …

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The History of Insurance in America

Insurance is such a presence in our everyday lives that it’s hard to imagine living without it. But throughout much of the colonial period, that’s just what Americans did. Insurance arrived on the American landscape at about the same time as the idea of a single nation—the United States—began to …

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Acra Lending

Citadel Servicing Corporation (CSC), one of the country’s largest non-QM lenders, is rebranding as Acra Lending (Acra). The change is effective Monday. “We are excited to rebrand our business as Acra Lending to reflect the substantial time and resources we have dedicated to internalizing customer feedback, fine tuning our financial and operating …

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