Flood damages that occur worldwide remain largely uninsured losses despite the efforts of governmental programs that in many cases make insurance available at below fair market cost. The current study focuses on the financial experience of the United States' National Flood Insurance Program...

The large differences in youth smoking behavior across ethnic and racial groups are often overlooked in debates about prevention. This study examines how the determinants of the onset of smoking vary by race and ethnicity. Academic success is strongly associated with lower smoking rates among...