The 1994 Northridge earthquake sent ripples to insurance conpanies everywhere. This was one in a series of natural disasters such as Hurricane Andrew which together with the problems in Lloyd's of London have insurance companies running for cover. This paper presents a calibration of the U.S....

The effect of two characteristics of school populations on reading skills will be estimated in this paper: share and diversity, both on the ethnic and the social-cultural dimension. We use the cross-national PISA-data 2006, both for the 15 years old native pupils and the pupils with a migrant...