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the wastages. Theatre Of The Absurd! The ward stripe has been used for many times to indicate a long band of color over cats body. There is a pun in the cats middle stripe .Pun . is the and spencer money off word with two possible meaning .The middle stripe can be read as the stripes over cats body and shakespeare, it can also be read as stripes which indicate the stomach tissue of the cat. UNCHOPPING TREE The essay Unchopping a Tree written by W.S. Merwin is against deforestation.

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Learning To Read and marks and spencer money off, Write Whenever you feel like criticizing anyone, just remember that all the of the Absurd and Samuel Essay people in and spencer this world . havent had the advantages you have. A favorite quote from the book, The Great Gatsby, fits this essay perfectly. Frederick Douglasss Learning To Read and and Samuel, Write is money, part of an intriguing autobiography. A slave learning to read and write was a great accomplishment back then. Employment Relations! Additionally, a slave running away was a horrible crime to commit. Douglass points out that slaves. Abolitionism , Boy , Frederick Douglass 752 Words | 2 Pages. Frederick Douglass Learning to Read. narrative essay, Learning to Read , he explains how he taught himself how to read and write. His slave owners did . not want him to earn an marks money education, since they feared a slave who thought independently.

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American middle class , Dyslexia , Educational psychology 896 Words | 2 Pages. stated, I've learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel . (Angelou). Money Off! Word Length: 756 words Last Name Only 4 Works Cited Angelou, Maya. Threat Of Entry! Good Reads , Inc. Good Reads . Otis Chandler, 2012. Web. 18 Dec. 2012. Kirszner, Laurie G., and Stephen R. Mandell.

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In the essay Learning to read and write by marks, Frederick Douglass he talked about growing up as a slave, trying to learn how to . read and write, how its hard to get what you want but with a lot of work and effort it can be done. It really connected with me how if he wasnt white ethnicity he was considered a slave and didnt have same privliges as the white kids in his neighborhood. With having glasses and being short made me feel different as well, not with rights but with making friends and being considered. Black people , Essay , Frederick Douglass 563 Words | 2 Pages. LEARNING TO READ AND WRITE BY FREDERICK DOUGLASS Frederick Augustus Washington Bailey now known as Frederick Douglass was born . in 1817 of Theatre and Samuel Essay a slave mother and and spencer money, an unknown white man in the state of Maryland. He was a man of valor, determined, and of the weimar, sensitive who resented the frequent abuses of his condition, yet he managed to learn how to read and write. Frederick Douglass details a process of change in the life and money off, character of the woman he served as a house slave for. Perfume Suskind! Despite his initial description.

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On the money off second day we did a group activity about. Activity , Education , Group 895 Words | 3 Pages. Sam Smith Professor Schley English 112 3 February 2014 Malcolm X Learning to Read Malcolm X was born Malcolm Little on . May 19, 1925. He was one of the most articulate and patrick, powerful leaders of black America during the 60s. Malcolm X dropped out of school after 8th grade. Shortly after this he got involved in money off criminal activity and define ethical, eventually ended up in prison. Prison motivated him to further his reading and become literate. He wrote letters to Mr. Elijah Muhammad of the Islam Nation, about.

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However, the marks money off accessibility to these classes does not guarantee all online students are receiving a quality education. . Distance education , E-learning , Learning management system 750 Words | 3 Pages. Running head: Learning disabilities Learning Disabilities Anthony Genchi Grand Canyon . University SPE 526 February 22, 2012 Abstract Individuals who have a learning disability, communication disorder, or are giftedness may have a rough time in the classroom setting. It is the Employment Relations Apprenticeship Essay job of the teacher to understand these disabilities or disorders by gaining knowledge of their characteristics and their causes so that they can adjust. Attention-deficit hyperactivity disorder , Educational psychology , Gifted education 1481 Words | 5 Pages. For someone that has been diagnosed with a learning disability, they may feel that it takes over their lives. But with the right help it will . not affect their ultimate success in life. In this research essay I will be talking about and spencer, what a learning disorder is, how to detect that a child has a learning disorder, and Relations and Australian Essay, how it affects children in school and ways to treat them. The four common types of learning disability I will be discussing are Dyslexia, Attention Deficit Hyperactive Disorder, Dysgraphia. Attention , Attention-deficit hyperactivity disorder , Dyslexia 2197 Words | 6 Pages. SCAFFOLDING-- ROLE OF THE TEACHER INTRODUCTION A constructivist approach primarily includes interaction and collaboration learning as well . as a flexible curriculum and a variety of activities to enable the learners to construct meaning themselves which ensures better retention. Thus in class room learning becomes more dynamic.

Need for the study One of the prerequisites in learning language is to become a good communicator using the marks money target language. This sometimes appears to be a difficult task in. Classroom , Creative writing , Education 1973 Words | 6 Pages. Running head: VARK LEARNING STYLE ANALYSIS VARK Learning Style Analysis Kathleen Nash Grand Canyon University NRS-429V, . Family Centered Health Promotion July 22, 2012 VARK Learning Style Analysis The VARK learning preference tool provides individuals with information that they can utilize to weaknesses of the weimar constitution enhance their learning process by helping them to study more effectively and efficiently. The VARK tool consists of a questionnaire that the money off learner takes to biography identify which senses the individual. Education , Educational psychology , Kinesthetic learning 1022 Words | 3 Pages. Education A Review of the Literature Online education has become a widely accepted alternative to . learning in the classroom. Distance education has helped students across the country educate themselves in a world were technology rules and fast paced lifestyles are a part of marks and spencer life. The main advantages of distance learning are: Convenience eliminates travel to a traditional classroom and weaknesses of the weimar constitution, the freedom to learn at any time are some of the main reasons why so many. Distance education , E-learning , Education 1793 Words | 5 Pages. Running Head: Learning Learning Paper Sandra Allen January 31, 2011 Psych.

550 Psychology of and spencer money off Learning Dr. . Terri Edwards Many psychologists have had debates with the concept of learning . On William! Nature versus nurture is two concepts that many psychologists have argued over. And Spencer Off! Learning is a cause of someones change in behavior through experience, practice, and skills. In this paper, the subjects to describe is, the weaknesses of the weimar concept of learning , distinguishing between learning and performance, and finally. Behaviorism , Cognitive science , Developmental psychology 1790 Words | 6 Pages. Component 1 My learning environment is in a quiet and spacious room. Marks And Spencer Off! With a comfortable chair. My desk is always ready all the tools needed to . study without any problem; I have always easy on on william, the eyes pencil, calculator, calendar, notebook etc. To concentrate on my classes I have to be alone and without any noise around me.

When I have to marks and spencer off study for a test I wait till the night before of threat of entry my test to study so I can get my mind fresher on the test day. Marks Money! What I first do is I pick a place where there. Auditory learning , Education , Educational psychology 1247 Words | 3 Pages. Learning strategies and VARK analysis Dictionary.com defines a student as a person formally engaged in biography shakespeare learning . (Student, 2012). Students of marks and spencer any age know that comprehending and and Australian, retaining information is essential to educational success. Just as every student had unique physical attributes, they also have unique learning styles in which they best retain new and important information.

The VARK (Visual, Aural, Read /Write, and Kinesthetic) is a questionnaire that is given to help individual find. Education , Educational psychology , Kinesthetic learning 807 Words | 3 Pages. Studies 1 Assignment 1: 2011/12 A learning style is the way in which somebody approaches the acquisition of knowledge and and spencer money, skills. . (QFINANCE The Ultimate Resource 2009) There are many different ways in which an individual can find their specific learning style ranging from various tests and consultations to the online questionnaire. Theatre Of The And Samuel Beckett! Focusing on the online questionnaire, there are a number that somebody could choose from including Honey and Mumfords Learning Style Questionnaire, the VARK model. Accountancy , Accountant , David A. Kolb 1239 Words | 4 Pages. INTRODUCTION What is marks and spencer money off, lifelong learning ? Lifelong learning is not a new concept; it can be traced back to early in the 20th . century. At this time it was considered to mean additional extras after formal education had ceased (King 1999).[1] It assumed that most formal education would fulfil most of the individuals' requirements for working life.

Now however, it is less common for individuals to continue in one working environment for the whole of their employment life. Instead they must expect. Education , Educational psychology , History of education 960 Words | 3 Pages. TABLE OF CONTENTS Page I. INTRODUCTION. 1 II. Of The Weimar Constitution! HISTORY OF E- LEARNING ... 2 III. ADVANTEGES OF . E- LEARNING . ... 4 IV. EXAMPLES OF E- LEARNING ...

16 V. CONCLUSION.... Marks And Spencer Money! 26 REFRENCES .. 2 I. INTRODUCTION: e- Learning is a catch-all term that covers a wide range of instructional material that can be delivered on a CD-ROM or DVD, over of the Absurd Essay a local area network (LAN). Distance education , E-learning , Electronic performance support systems 2280 Words | 7 Pages. Frederick Douglass: Learning to Read and marks money off, Write. Douglass narrative, Learning to subjectivism Read and Write talked about how he accomplished the feat of becoming a literate individual . through the use of marks and spencer off self-teaching at a young age. Douglass describes the ways in weaknesses of the weimar constitution which he enlisted the aid of young children to marks and spencer off assist him with his learning . He also went into detail about how his newly acquired abilities had been a curse rather than a blessing. (p. 3) Douglass accounted how his ability to read later on biography on william, assisted him in his succession with learning how to write.

Frederick Douglass , Intelligence , Knowledge 411 Words | 2 Pages.

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Analytical Skills List and Examples. Marks Money Off. What are analytical skills, and threat of entry, why are they important in and spencer off, the workplace? Analytical skills refer to the ability to collect and analyze information, problem-solve, and Apprenticeship Essay, make decisions. Marks And Spencer Money. These strengths can help solve a companys problems, and increase and benefit a companys productivity. Perfume. Here#39;s information on why employers seek employees with these types of skills, as well as a list of analytical skills that employers are looking for in resumes, cover letters, job applications, and and spencer money, interviews. Included is subjectivism, a detailed list of the five most important analytical skills, as well as a longer list of even more analytical skills.

Also see below for a list of keywords related to analytical skills, which you can include in your job application. Marks And Spencer Off. Why Employers Value Analytical Skills. Employers look for employees with the ability to investigate a problem and find a solution in threat of entry, a timely, efficient manner. To solve problems, employees need strong analytical skills. Hiring managers desire a person who uses clear, logical steps and excellent judgment to understand an issue from all angles before executing an action. Solutions can be reached by clear-cut, methodical approaches or more creative and marks off, lateral angles, depending on the objective. Define. Both of these ways of marks and spencer off solving a problem take analytical skills. Analytical skills might sound technical, but we use these skills in everyday life through detecting patterns, brainstorming, observation, interpreting data, integrating new information, theorizing, and making decisions based on multiple factors and options available.

These essential skills are required by shakespeare, employers for many different types of jobs in a variety of fields, including business analytics, data architecture, data science, marketing, project management, accounting, business development, programming, law, medicine, and science. You can use these skills lists throughout your job search process. Firstly, you can use these skill words in your resume. In the marks money description of your work history, you might want to threat of entry, use some of these key words. Secondly, you can use these in your cover letter. In the body of your letter, you can mention one or two of these skills, and give a specific example of a time when you demonstrated those skills at work.

Finally, you can use these skill words in and spencer, an interview. Make sure you have at least one example for a time you demonstrated each of the top 5 skills listed here. Of course, each job will require different skills and experiences, so make sure you read the job description carefully, and focus on the skills listed by the employer. Having strong analytical skills means nothing if you cannot share your analysis with others. You need to be an effective communicator who can explain the patterns you see in the data. Biography Shakespeare. Sometimes you will have to marks money, explain information orally, such in a meeting or presentation.

Other times, you will have to write a report. Thus, you need to threat of entry, have both strong written and oral communication skills. Often, analyzing requires a creative eye to spot trends in the data that others wouldnt find. And Spencer Money. Creativity is also important when it comes to problem solving. Employees often must think outside of the box to Theatre Absurd and Samuel, come up with effective solutions to marks and spencer, big problems. Critical thinking is necessary for Theatre of the and Samuel Beckett Essay having strong analytical skills. Critical thinking refers to evaluating information and then making a decision based on your findings. Critical thinking is what helps an employee make decisions that help solve problems for the company.

No matter what your career field, being good at analysis means being able to examine a large volume of data and find trends in marks and spencer money, that data. You have to go beyond just reading and understanding information, to making sense of it, and finding patterns. Often, an employee has to first collect data or information before analyzing it. After all, you must learn more about a problem before solving it. Sign up for biography on william shakespeare the Doyle Report and get expert job-hunting advice sent straight to your inbox, with tips on and spencer money, writing a great resume and acing your interview! Therefore, an threat of entry, important analytical skill is money off, being able to collect data and biography on william shakespeare, research a topic.

Keywords are an important component of a job application because hiring managers use the words and phrases of a resume and cover letter to screen job applicants (often through recruitment management software). By including words that the employer is looking for, you are more likely to marks and spencer money, make it through to Theatre and Samuel, the next round of the hiring process. Here is a list of analytical keywords for resumes, cover letters and marks, job applications. Analytical Analytics Analyzing Benchmarking Big data Bivariate Business analysis Business intelligence Calculating Case analysis CATWOE Causal relationships Cohort analysis Company analysis Comparative analysis Correlation Cost analysis Credit analysis Critical analysis Critical thinking. Essay. Data analysis Data analytics Data mining Deductive reasoning Descriptive analysis Diagnosing Dissecting Enhancing productivity Evaluating Financial analysis Fourier analysis Fundamental analysis Heptalysis Identifying cost savings Improving Industry analysis Inferential Interpreting. Loglinear analysis MATLAB MOST Multiway data analysis Optimization Pacing analysis PESTLE Policy analysis Predictive analytics Predictive modeling Prescriptive analytics Price earnings ratio Price earnings to growth Principal component analysis Prioritizing Problem solving Process analysis.

Qualitative analysis Quantitative analysis Resolving Restructuring Return on investment (ROI) Rhetorical analysis Risk assessment SAS Scatter plots Scenario analysis SCRS Sentimental analysis Social analysis SPSS Statistical analysis Strategic planning Streamlining processes Structured data analysis SWOT Technical analysis Trouble shooting Univariate.

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Downsizing the and spencer off, Federal Government. Your Guide to Cutting Federal Spending. The Federal Emergency Management Agency: Floods, Failures, and Federalism. The Federal Emergency Management Agency (FEMA) is the threat of entry, lead federal agency for disaster preparedness, response, and relief. Money. FEMAs budget fluctuates from year to year, but spending has trended sharply upwards in patrick suskind, recent decades.

The agency spent $22 billion in fiscal 2013 and marks and spencer $10 billion in fiscal 2014. The main activity of FEMA is distributing aid to individuals and state and local governments after natural disasters, such as hurricanes, floods, and earthquakes. In addition, the subjectivism, agency provides ongoing grants to the states for disaster preparedness, and it operates the National Flood Insurance Program (NFIP). FEMAs response to some major disasters has been slow, disorganized, and profligate. The agencys actions have sometimes been harmful, such as when it has blocked the relief efforts of other organizations.

FEMAs dismal response to Hurricane Katrina in 2005 dramatized the agencys bureaucratic dysfunction. FEMAs grants for disaster preparedness are known for wastefulness. As for the NFIP, its insurance subsidies are spurring development in flood-prone areas, which in turn is increasing the damage caused by marks off floods. Threat Of Entry. The NFIP also encourages an expansion of federal regulatory control over local land-use planning. Federalism is marks and spencer off supposed to weaknesses constitution undergird Americas system of handling disasters, particularly natural disasters. State, local, and private organizations should play the dominant role. Looking at American history, many disasters have generated large outpourings of aid by individuals, businesses, and charitable groups.

Today, however, growing federal intervention is undermining the role of private institutions and the states in money off, handling disasters. Policymakers should reverse course and begin cutting FEMA. Weaknesses Of The Constitution. Ultimately, the and spencer money, agency should be closed down by ending aid programs for disaster preparedness and relief and privatizing flood insurance. President Jimmy Carter created the Theatre Absurd Essay, Federal Emergency Management Agency (FEMA) by executive order in off, 1979 to coordinate the governments growing involvement in disasters. Of The Weimar Constitution. Among federal agencies, FEMA has the lead role in helping communities respond to both natural and man-made disasters. However, the great bulk of FEMA spending is for and spencer off natural disasters, which are the main focus of this essay.

Aside from disaster relief, FEMA provides ongoing aid to the states for emergency preparedness, and it operates the National Flood Insurance Program. FEMA employees are generally not first responders. Instead, their main role is providing financial aid to state and local governments and individuals. FEMA spent $10 billion in fiscal 2014, but annual expenditures fluctuate depending on the occurrence of disasters. Define. 1 Spending has trended upwards in recent decades as federal aid packages have become larger and more frequent. And Spencer Off. Annual average FEMA spending was $0.7 billion in the 1980s, $2.8 billion in threat of entry, the 1990s, $13 billion in the 2000s, and $13 billion so far in the 2010s. Since 2000, 61 percent of FEMA spending has been for disaster relief, 20 percent has been for ongoing grants to and spencer off state and weaknesses weimar constitution local governments, and 12 percent has gone to the NFIP. 2 The remaining 7 percent has gone to other programs and administrative costs.

Prior to the mid-20th century, federal involvement in disasters was generally limited to the activities of the marks money off, U.S. military, which provided relief after some major disasters. There was very little civilian federal involvement in disasters, which were the responsibility of state and local governments and the private sector. But since the 1950s, federal intervention has grown as numerous laws have expanded the scope of federal authority and as policymakers have increased spending. Nonetheless, the federal role is still supposed to be very limited under current law. Under the perfume patrick, 1988 Stafford Act, the money, federal government is Apprenticeship Essay supposed to get involved in disasters only if they are of such severity and magnitude that effective response is beyond the capabilities of the state and the affected local governments. 3 A very limited federal role is appropriate under the American system of federalism. State and local governments and the private sector should fund disaster preparedness and marks money relief for disasters by themselves, unless it is truly beyond their capabilities. And even then, states hit by Employment and Australian Essay disasters can rely on aid from other states. Federal involvement is appropriate when it has unique capabilities to offer. The Coast Guards search and marks money rescue operations are often vital after hurricanes.

And the National Guard under state command can provide a crucial resource after major disasters, both for weimar constitution law enforcement purposes and relief operations. Other federal agencies have unique resources to deal with threats such as terrorism, pandemics, and chemical and biological attacks. However, the marks money off, great majority of biography on william what FEMA does is not unique. Marks And Spencer. Rather, FEMAs main role is simply to transfer money from federal taxpayers to state and shakespeare local governments and individuals for disaster-related costs. Marks And Spencer Money. But there are few, if any, advantages in funding these costs from the federal level, and there are many disadvantages, as this study discusses. The first section provides a brief history of disaster response in the United States. The next section discusses the threat posed by the rising federalization of disaster preparedness, response, and relief. Federal policymakers are increasingly ignoring the Stafford Act limit, which could undermine the effectiveness of the nations disaster response system. Then the study examines FEMAs performance in disaster response. The agencys efforts have often been plagued by poor decisionmaking, wasteful spending, and excessive bureaucracy.

Some of its actions have been counterproductive and harmful. FEMAs confused response to Hurricane Katrina was a prime example of the dysfunction that the agency has become known for. Next, the biography, study looks at FEMAs ongoing grants to and spencer money off state and local governments for define ethical disaster preparedness, which are mainly grants for local emergency services. These grants have often wasted money on marks off low-value activities. On William Shakespeare. It is marks more efficient to fund local emergency servicessuch as fire and policelocally. Lastly, the study examines the National Flood Insurance Program (NFIP).

For decades, the NFIP has been subsidizing development in flood-prone areas, which has ended up putting more property at risk and exacerbating the damage from floods. The NFIP has also undermined federalism by increasing federal regulation of local land-use planning. The essay concludes that policymakers should end FEMA aid for disaster preparedness, response, and relief. They should repeal the NFIP and move flood insurance to the private sector. Those reforms would reduce FEMA spending by more than 90 percent. Remaining activities that may fulfill a unique rolesuch as flood mapping, planning for the continuity of government, and preparedness for technological and perfume patrick radiological hazardsshould be moved to other federal agencies. With these reforms, FEMA should be closed down. Since the 19th century, the federal government through the U.S. military has occasionally provided aid after major disasters. 4 Until the mid-20th century, however, civilian federal aid for disasters was rare. After some disasters, Congress passed specific relief legislation, but many times it did not.

Relief bills were often blocked because policymakers did not believe that aid was a proper role for the federal government. 5 Between 1803 and 1947, Congress passed legislation just 128 times to either express sympathy for victims of money particular disasters or to provide some modest aid. 6. In 1802 Portsmouth, New Hampshire, was destroyed by a fire. Theatre Absurd And Samuel Beckett. Fortunately, a large number of marks money private donations totaling more than $45,000 poured in from around the country to help rebuild the town. 7 Congress provided aid in the form of temporarily suspending duties owed to threat of entry the federal government by merchants in and spencer, the town. 8 Duties on Portsmouth trade were an important source of federal revenues, so the government had an perfume patrick interest in allowing the merchants to get back on their feet. In 1812 Congress provided $50,000 for aid to and spencer victims of an earthquake in the new republic of Venezuela, apparently for foreign policy reasons. 9. In 1815 Congress passed the New Madrid Relief Act, which provided aid to rural Missourians after a series of earthquakes.

The aid bill led to dissention and scandal. The act allowed victims in Missouri to perfume suskind exchange their damaged properties for certificates to acquire land elsewhere. But outside speculators descended on the area to and spencer money off buy land at bargain prices from biography shakespeare, owners who had not yet heard about the federal relief. At the same time, some owners who knew about the relief sold title to their land to multiple different speculators. The resulting unfairness of the process led to large amounts of litigation, which took decades to resolve. Off. 10. In 1827 Congress gave $20,000 in aid to Alexandria, Virginia, after a major fire. Weaknesses Weimar. Even though the town was part of the District of money Columbia at the time, many members of biography shakespeare Congress questioned the constitutionality of providing public money to and spencer money aid private individuals. Theatre Of The Absurd Beckett. 11.

In 1835 the Great Fire of Manhattan razed 674 buildings over 50 acres in New York City. Congress passed legislation temporarily suspending payments owed to the federal government by the citys affected merchants. Marks And Spencer Money. 12. In 1871 the Great Chicago Fire left about 300 people dead and of the and Samuel Beckett 90,000 homeless. Marks. The U.S.

Army helped to restore order and biography on william provide security until the city got back on its feet. 13 Within days of the disaster, huge amounts of aid from individuals, charitable groups, businesses, and other cities poured in from around the marks and spencer off, nation and biography abroad. 14 Chicago rebuilt very quickly. The private organization Chicago Relief and Aid Society played the dominant role in and spencer, coordinating the huge relief efforts. 15 The effective efforts of the ethical subjectivism, Society were based on the organizations deep roots in and spencer money off, the local community and its skilled leadership by experienced business people. In 1878 Congress passed the Posse Comitatus Act, which has had important implications for the federal role in disasters. The Act generally bars military forces under federal command from being used for civilian law enforcement purposes. 16 Under current law, federal military personnel may be used for disaster relief operations at the request of a state, but not for Relations Apprenticeship law enforcement. 17 By contrast, National Guard units under the command of state governors are available to aid in law enforcement in disaster situations, as they were after Hurricane Katrina when the marks off, New Orleans police force collapsed.

In 1887 President Grover Cleveland famously vetoed a bill that would have provided $10,000 in aid to threat of entry drought-stricken Texas farmers because of his concerns about constitutional federalism. In his veto message, Cleveland said, I can find no warrant for off such an appropriation in the Constitution; and define ethical I do not believe that the power and duty of the General Government ought to be extended to marks the relief of individual suffering which is in no manner properly related to the public service or benefit. A prevalent tendency to disregard the limited mission of this power and duty should, I think, be steadily resisted, to Theatre of the Beckett the end that the and spencer, lesson should be constantly enforced that, though the Theatre Absurd Beckett Essay, people support the Government, the Government should not support the people. 18. In 1906 San Francisco was struck by a massive earthquake and fire that destroyed 80 percent of the city and killed about 3,000 people. 19 At least 225,000 people out of about 400,000 in the city were left homeless, and 28,000 buildings were wrecked. 20.

The San Francisco earthquake is remembered not just for the terrible destruction it caused, but also for the remarkably rapid rebuilding of the city. More than 200,000 residents initially left the city, but the population recovered to pre-quake levels within just three years, and residents quickly rebuilt about marks 20,000 buildings. 21. The private sector response to the disaster was extremely impressive. Voluntary aid poured in from around the country. And Australian Apprenticeship Essay. John D. Rockefeller, Andrew Carnegie, and W.W. Astor, for marks off example, each donated $100,000.

22 Charitable groups, including the Salvation Army and the Red Cross, played a large role in relief efforts. Patrick. The health care and money off home-products company Johnson and Johnson quickly loaded rail cars full of donated medical supplies and sent them to San Francisco. Perfume Patrick. 23. The insurance industry was crucial to the rebuilding. About 90 percent of San Francisco residents had fire insurance from more than 100 different companies. And Spencer Money. 24 The companies ended up paying out Beckett Essay a massive $225 million in marks money off, claims, which was equal to what the entire U.S. Perfume Suskind. insurance industry had earned in profits in the prior four decades.

25 Insurance payouts totaled about 90 percent of what was owed, as only a relatively small number of companies failed. 26. The banking system was devastated, with nearly all of San Franciscos bank buildings destroyed. The small bank owned by Amadeo Giannini, which he had opened just two years earlier, was also ruined. And Spencer Money Off. But Giannini was able to rescue his gold and securities, and the next day he opened for business on a wharf on San Francisco Bay. His rapid response and willingness to provide loans to Employment and Australian Essay all types of people after the disaster helped him gain the money, respect of the suskind, city.

His bank would eventually grow to marks and spencer off be the second-largest in the nation, the Bank of America. Another impressive story is that of the Southern Pacific Railroad, which immediately swung into action and threat of entry provided free evacuation for more than 200,000 city residents to marks money anywhere in shakespeare, the country. Off. 27 Within five days of the earthquake, the company had filled 5,783 rail cars with passengers leaving the city. 28 Southern Pacific president Edward Harriman made disaster response the highest priority of his rail network. 29 Only one day after the weaknesses constitution, earthquake, the marks, first of ethical his rail cars full of emergency supplies left Omaha for San Francisco. 30 Harriman personally donated $200,000 to relief efforts.

31. What about the government response to the San Francisco conflagration? The city had unfortunately suffered for years from a corrupt local government. Marks Off. The good news was that in the immediate aftermath of the earthquake, leading citizens formed essentially a new city government called the Committee of 50, which was credited with a very organized and effective disaster response. 32 For its part, Congress appropriated just $2.5 million for relief to San Francisco, or about $50 million in todays dollars. 33. The main federal organization that responded was the U.S. Army, which moved quickly to take control of the city and of the Absurd Essay provide water, food, tents, and other relief items. Within five hours of the earthquake hitting, the Army had 1,500 troops in the city. 34 Some of the actions of the marks and spencer, Army were controversial, but the swift response by the commander of the nearby Presidio base is an Employment Apprenticeship Essay example of how local resources and local decisionmaking are crucial in the aftermath of disasters. 35.

In 1913 the Great Easter Flood ravaged a huge area in one of the most widespread and damaging disasters to ever strike the United States. Marks And Spencer Money. 36 High winds and massive flooding caused destruction and more than 1,000 deaths across 14 states from on william shakespeare, Vermont to marks and spencer money off Alabama. The U.S. military aided with relief operations, and the National Guard was mobilized in numerous states. Americans responded with huge contributions to Employment and Australian Essay the Red Cross and marks and spencer money off other charitable organizations aiding victims. 37. Ohio was the hardest hit state, and Dayton probably the hardest hit city.

It was built on a flood plain, so when the citys levee system collapsed it resulted in disastrous flooding. Fortunately for Dayton, it was home to the National Cash Register Company (NCR) under President John Patterson. Seeing the flood disaster that was about to happen, Patterson seized the weaknesses of the weimar constitution, initiative and NCR become the central funder and organizer of relief in the city. Marks. NCR built 300 boats to rescue flood victims, organized search teams, and on william provided meals and shelter for thousands of people. Marks And Spencer. On its peak day, NCRs kitchens provided meals for of the weimar constitution 83,000 flood victims. 38 NCR headquarters also became the base of operations for the Red Cross and Ohio National Guard. 39. John Patterson was an interesting leader.

He instituted innovative and enlightened management practices, such as providing a wide range of recreation and medical amenities for workers. But he was also an aggressive businessman, and he and money off other NCR executives were found guilty of violating federal antitrust laws just weeks before the Theatre and Samuel Beckett, flood, although this was reversed on and spencer appeal. Weimar Constitution. 40 NCRs leaders apparently saw a chance to redeem themselves in the eyes of the marks off, community, and their remarkable efforts to save their city during the flood gained them national praise. Historian Trudy Bell writes in detail about the 1913 disaster. 41 One of her interesting findings is weaknesses of the weimar constitution that there were widespread refusals of aid by affected individuals and communities, apparently because of cultural norms at off the time regarding personal pride and on william the belief in standing on ones own feet. 42 In 1913 some people and communities even gave back unused amounts of aid that they had received.

These days, sadly, the situation is the reverse: there is marks and spencer a large amount of fraud in relief programs in the wake of disasters. In 1917 War Department regulations established precedents that guided the federal role in threat of entry, disaster relief in and spencer, subsequent decades. 43 The rules specified that state governments have primary responsibility for threat of entry disaster response, federal resources should supplement not supplant state efforts, and federal aid is marks and spencer appropriate only when state governments are truly overwhelmed. In 1927 one of the most damaging floods in U.S. history occurred when the Mississippi River and tributaries broke out of levee systems in of the constitution, many places. The Great Mississippi Flood highlighted failures of the marks and spencer money off, Army Corps of Engineers approach to flood control.

44 In annual reports before the flood, the Corps told Congress that the Mississippi was safe from serious flooding. 45. In the biography on william shakespeare, floods aftermath, President Calvin Coolidge appointed Herbert Hoover to lead the money off, federal disaster response, which mainly involved helping to coordinate private relief efforts. 46 Those private efforts included the Red Crosss huge achievement in providing hundreds of define ethical subjectivism thousands of people food and marks shelter in temporary camps. 47 Hoover made appeals to on william the public for donations and marks money was impressed by the generosity of so many people: No other Main Street in the world could have done what the weaknesses of the weimar constitution, American Main Street did in the Mississippi flood . The safety of the United States is its multitudinous mass leadership. 48. Despite Hoovers prominent role in the 1927 flood, federal relief spending for natural disasters remained modest and sporadic. Marks Money. It was the Disaster Relief Act of 1950 that started to change that by define ethical creating a permanent, civilian structure for federal disaster relief. The Act authorized only a small amount of funding, but it gave the president continuing authority to respond to hurricanes, earthquakes, fires, floods, and other events with various types of aid. 49. The 1950 law reaffirmed that the federal role was to provide supplementary aid to state and local governments only in the severest of emergencies.

In 1953 President Harry Truman issued Executive Order 10427, which said that federal disaster relief should be supplementary to relief afforded by state, local, or private agencies and not in substitution. 50. In the decades after the 1950 law, Congress expanded the marks, scope of federal aid in more than a dozen laws. As an example, federal aid was initially only provided to weaknesses local governments, and money off generally not individuals. But Congress added aid for individuals in the Disaster Relief Act of 1970. 51. In 1968 the define subjectivism, National Flood Insurance Act offered federal insurance to properties at risk for flooding. A key justification by supporters of marks off federal flood insurance was that it would alleviate the need to subjectivism pass special aid legislation after each flood disaster. As it has turned out, however, taxpayers are now both subsidizing flood insurance and paying for special relief bills passed after floods.

The Disaster Relief Act of and spencer 1974 created the Federal Disaster Assistance Administration within the Department of Housing and Urban Development. This administration was the on william shakespeare, main forerunner of FEMA. The 1974 Act also created the current system of and spencer money off presidential emergency and major disaster declarations for adverse events. The main purpose of the declarations is to authorize a flow of federal dollars to aid state and local governments and threat of entry individuals. The number of presidential declarations has soared since the 1970s, as discussed below. In 1979 President Jimmy Carter issued Executive Orders 12127 and 12148 to create and structure the Federal Emergency Management Agency. Marks Money Off. Carter was prompted to ethical create the new agency after the confused and ineffective federal responses to Hurricane Agnes in 1972 and and spencer off the Three Mile Island incident of suskind 1979. Marks Money Off. 52 His administration patched FEMA together from existing agencies located in patrick suskind, various departments.

FEMAs main responsibilities are to hand out aid and to coordinate the and spencer, federal response to major disasters that overwhelm state and local governments. In 1988 the Robert T. Of The Weimar. Stafford Disaster Relief and Emergency Assistance Act updated the framework for presidential disaster declarations and the coordination of FEMAs response. Marks And Spencer Off. 53 The governor of a state may request the president to declare an emergency or a major disaster if an event is of such severity and magnitude that effective response is beyond the capabilities of the state and Theatre of the Absurd and Samuel Beckett the affected local governments and that federal assistance is necessary. 54 Emergency declarations are usually made before disasters such as hurricanes hit, while major disaster declarations come after disasters hit and create broad authority for federal agencies to marks off aid state and local governments and Employment and Australian Apprenticeship individuals. In recent years, 86 percent of major disaster declarations requested by governors have been approved by marks and spencer money the president. And Australian. 55.

Aid authorized under the marks money off, Stafford Act is biography on william shakespeare disbursed from FEMAs Disaster Relief Fund (DRF). DRF spending fluctuates from year to year depending on events, but since 2000 has averaged $8.3 billion annually. 56 Spending peaked at money $24 billion in 2006 after Hurricane Katrina. In recent years, 50 percent of DRF spending has gone to state and patrick local governments for damaged public facilities and debris removal, 29 percent was spent on individual aid, and the rest was spent on administration and other costs. 57 For public facilities and debris removal, the federal government generally pays 75 percent of the costs and state and local governments pay the other 25 percent. But the president can increase the federal share of these costs, and he has done so about three-quarters of the time that governors have asked him to.

58. The Government Accountability Office (GAO) finds that the share of DRF funding spent on administration doubled between 1989 and 2011 from marks and spencer money, 9 percent to 18 percent. 59 Thus, almost a fifth of biography on william shakespeare federal disaster aid is consumed by the paperwork costs. The GAO notes that the cost to administer some small disaster declarations actually exceeds the amount of federal aid provided. 60. On paper, the Stafford Act reaffirms principles of federalism in disaster response, but in practice it has spurred increased federal intervention in smaller-scale disasters.

Few of the major disasters declared in recent decades have actually been major enough to meet the and spencer off, plain language of the statute. 61 Heritage Foundation FEMA expert Matt Mayer notes, it is clear that the current definition used by FEMA to issue declarations is routinely ignored. 62 He observes that some declarations are made months after disasters occur, which indicates that the purpose is simply for states to get a federal bailout. In 2002 President George W. Bush signed into suskind law the Homeland Security Act creating the massive Department of Homeland Security (DHS), which merged 22 existing federal agencies including FEMA. President Bush promised that the new DHS would improve efficiency without growing government, create future savings, and cut out duplicative and redundant activities that drain critical homeland security resources. 63. It has not turned out and spencer money that way. DHSs budget tripled from $18 billion in define ethical subjectivism, 2002 to $57 billion by 2013. 64 And, like other federal departments, DHS has become known for mismanagement and wasteful spending. For example, the departments gigantic new headquarters being planned in Washington, D.C., is over-budget by $1.5 billion. 65. In 2005 Hurricane Katrina caused massive damage to money off the Gulf Coast, flooded New Orleans, and killed more than 1,800 people.

The storm damage was greatly exacerbated by the failures of weaknesses of the weimar constitution FEMA, Congress, the Army Corps of Engineers, and off state and local governments. 66 The fact that FEMA had been buried inside of the new DHS bureaucracy was one factor that may have contributed to the agencys failed response. Congress appropriated more than $100 billion for FEMA and shakespeare other federal agencies for and spencer money the Katrina response and rebuilding, much of which was spent years after the disaster. Apprenticeship. 67. FEMA appears to have done a better job in responding to Hurricane Sandy in 2012, although there was still plenty of criticism. And Spencer. 68 With a presidential election only a week away, the Obama administration seemed determined not to be tarred with failure, as was the Bush administration with Katrina. The storm caused an estimated 159 deaths and perfume patrick suskind tens of billions of dollars in damage in New York, New Jersey, and other states. Congress passed a $60 billion relief bill after Sandy, but most the funds were for rebuilding years down the road and other purposes, not for immediate relief. 69 Such spending should be a state, local, and private responsibility, not a federal one. One interesting aspect of the federal Sandy response was that the president pushed aside FEMA as the marks and spencer, lead agency for Theatre Absurd Beckett Essay disaster recovery and created a new Hurricane Sandy Rebuilding Task Force chaired by the secretary of Housing and Urban Development (HUD). A larger share of the $60 billion Sandy aid money was channeled through HUD than FEMA.

70 These developments suggest an marks off unfortunate broadening of federal subsidy efforts in response to major disasters. Federalization of Disaster Relief. In the define ethical, U.S. Money Off. disaster response system, the primary government responsibility is supposed to lie with the states. The federal government is only supposed to and Samuel play a supporting role in the largest of disasters. Money. Heres how the Congressional Research Service describes the system: The United States takes a bottom up approach to both managing and providing assistance during a disaster.

The responsibility for responding to disasters begins at the local level with elected officials and emergency service personnel. If the local governmental resources are overwhelmed, non-governmental organizations in biography shakespeare, the community and neighboring governmental jurisdictions may be called upon to marks and spencer provide assistance. If those become exhausted, the state and tribal governments may supplement the local governments resources, and Relations and Australian the governor may make a state disaster declaration. Only after both local and state/tribal government resources have been overwhelmed, and the governor of the state has requested assistance, does the federal government begin to supplement the efforts and money off available resources of States, local governments, and disaster relief organizations in alleviating the of the and Samuel Beckett, damage, loss, hardship, or suffering. Under this principle, except in the most extraordinary circumstances, the local and state/tribal governments are in charge of the disaster response. FEMA, or any other federal agency, is there to aid the disaster response process through the National Response Framework and programs it administers, and to coordinate federal resources in response to state requestsnot to be in the lead or take command. 71.

A decentralized approach to disasters makes sense. Under the U.S. Constitution, the powers delegated to the federal government are few and defined, as James Madison observed in Federalist 45, while state powers will extend to and spencer money off all the objects which, in the ordinary course of affairs, concern the lives, liberties, and properties of the people, and the internal order, improvement, and prosperity of the Employment and Australian Apprenticeship Essay, State. Constitutionally, the and spencer off, states should generally handle their own disasters. From a practical perspective, it is state, local, and private organizations and resources that are on the scene and available to on william immediately assist in marks and spencer, emergencies. State and on william shakespeare local governments employ 1.3 million people in police forces and fire departments, and those first responders are spread out across our huge nation. 72 State governors have wideranging responsibilities during disasters, and marks and spencer off they typically have access to special powers, such as being able to order evacuations. As for the private sector, the 9/11 Commission report noted that because 85 percent of our nations critical infrastructure is controlled not by threat of entry governments but by the private sector, private-sector civilians are likely to be the first responders in any future catastrophes. 73. Nonetheless, the federal governments role in disasters has been growing steadily in recent decades. This is a troubling development. Excessive federal intervention threatens to marks off undermine and crowd out of the weimar constitution more efficient state, local, and marks and spencer money private disaster response efforts.

Also, federal interventions usually come with top-down rules that stifle innovation and reduce the efficiency of state and local government services. What is the cause of Theatre Absurd Beckett rising federal intervention in disasters? Partly it was the response to 9/11, and partly it is the result of todays media environment. News reports often imply that the federal government should come to the rescue in response to local emergencies. Marks And Spencer. Presidents often visit disaster sites hoping to make it look like they are in charge.

Television coverage shows officials from FEMA and other federal agencies on the scene. However, such images give a misleading impression since state governments are actually in charge of of the disaster situations, and local and marks money off private organizations carry out the bulk of response and weaknesses weimar constitution relief. Homeland security expert James Miskel notes that FEMA leaders in disaster areas have no directive authority and can only marks and spencer money, request or suggest actions by the state. 74. The bipartisan House report on Katrina in 2006 noted that many Americansand perhaps even some state and local officialsfalsely viewed FEMA as some sort of of the Absurd Beckett national fire and off rescue team but FEMA is weimar not a first responder agency. 75 Instead, for most disasters, the purpose of federal intervention is simply to pay for state, local, and private costs with federal taxpayer dollars. The only federal role for the vast majority of declared major disasters is and spencer money financial.

76. In his book, Disaster Response and on william shakespeare Homeland Security , James Miskel writes: In all but a handful of instances, federal disaster relief amounts to a book-keeping exercise in which costs are shifted from the states ledger to the federal governments and the federal action consists of little more than writing a check to the affected state and/or local government and subsequently auditing the expenditure. Marks Money. Thus for the typical disaster, the on-the-ground response action is really confined to two of the three system elements: the private sector and the state/local government agencies. In the typical disastereven the typical federally declared disasterthe federal government plays no operational role at all. Even in major disasters the coordination function is led by threat of entry the affected state or states. When a federal coordinator is marks money off appointed, his or her job is to orchestrate the response efforts of federal agencies, not to take over the entire response. 77. The large amount of federal disaster aid that is potentially available to define ethical the states has created a political dynamic that has pushed up federal costs. Marks. After even small, localized disasters, governors, state politicians, and state congressional delegations often lobby the White House to declare the event a major disaster so that the Theatre of the Absurd Beckett Essay, state can access federal aid. As a consequence, the number of disaster declarations has soared in and spencer money, recent decades.

The annual average number was 51 in the 1970s, 29 in of the constitution, the 1980s, 74 in the 1990s, 127 in the 2000s, and money 139 so far in the 2010s. Perfume Patrick Suskind. 78 There has been more than one disaster declaration every three days, on average, in recent years. Politics infuses the and spencer, process. Studies find states that are politically important to the president have a better chance of receiving a disaster declaration, and also that states with a member of Congress serving on the House committee overseeing FEMA typically receive more funding. 79. Recent presidents have tended to declare the most major disasters in the year that they were up for reelection. That was true for Ronald Reagan in biography on william, 1984, George H. W. Bush in 1992, and Bill Clinton in 1996. George W. Bush declared the marks and spencer, most disasters of his first term in his reelection year of 2004. Aside from politics, another cause of increasing federal intervention is that the threshold that FEMA uses to determine whether federal aid is appropriate is threat of entry artificially low, says the GAO. 80 FEMA mainly relies on a per capita damage threshold to determine if federal aid is needed. In 2012 the threshold for damage to off public facilities was $1.35 per capita, so that a state with 10 million people would receive federal aid to pay for all disasters causing $13.5 million or more in damage.

81. GAO finds that FEMAs dollar thresholds have not kept pace with inflation and growth, so that over time a larger share of disasters are meeting the threshold for weaknesses constitution aid. Occasional efforts to impose stricter limits have been rebuffed by Congress. 82 Yet the thresholds for and spencer federal intervention are absurdly low. Threat Of Entry. GAO finds that in recent years 60 percent of federally declared disasters had a cost of less than $25 million. 83 Even the smallest state could easily find the money to pay for a disaster of that size. What are the problems created by marks rising federal intervention?

As noted, it goes against ethical subjectivism the grain of money constitutional federalism. And, practically, the great majority of Relations Apprenticeship Essay first responder resources are owned and managed locally. Matt Mayer notes, almost all disasters are indeed local, which is why the vast majority of them should be responded to, run by, and funded by state and local governments and marks money their taxpayers. 84. Federal intervention impedes disaster response and rebuilding because of all the extra paperwork involved. James Fossett of the Rockefeller Institute of Government notes that FEMAs program for threat of entry aiding state and local governments, requires local governments to obtain advance approval for each project and pay for each project up front before getting federal reimbursement for their costs, which must be exhaustively documented. Marks And Spencer Money Off. These lengthy, complex processes inevitably delay the threat of entry, recovery process and make it difficult to spend money in a timely fashion. 85 Fossett notes that FEMA does not have sufficient staff to review in a timely fashion the thousands of state and money local projects submitted to it for approval after a large storm.

86. Another problem with federal intervention is that it creates inequities between the states. Federal disaster aid means that the costs of living in more dangerous places, such as on the Florida seacoast, are partly imposed on the residents of other states. Some states, such as Michigan, have very few federally declared disasters, but have to weaknesses weimar foot the bill for marks and spencer off the states where disasters are more costly 87. People should balance the full costs and benefits of living in different places in an unsubsidized manner. Florida has more costly natural disasters than Michigan, but people should trade that off against the extra sun and warmth. The federal government should not incentivize people to live in Florida, but that is what federal disaster aid does. Perhaps the main problem with federal aid is that it reduces the ethical subjectivism, incentive for state and local governments to prepare for disasters themselves. In his book, Disasters and Democracy , Professor Rutherford Platt concludes that it is good politics for state and local governments to neglect their own disaster response capabilities in order to make it easier to and spencer money qualify for a presidential declaration. 88.

A Heritage Foundation study finds that the states have cut their preparedness budgets and rainy day funds in recent years, apparently because they assume that Uncle Sam will pay for disasters. 89 As federal subsidies expand, it may cause a ratcheting down of state disaster response capabilities. 90 Adding to the problem, FEMA may have a bias toward turning down disaster aid for states that have strong emergency capabilities because such states do not need federal aid. 91. Experts have long been concerned about these negative incentive effects of federal aid. Theatre Of The And Samuel. A White House study under Richard Nixon warned against federal disaster aid that was so generous that individuals, businesses, and communities have little incentive to money take initiatives to reduce personal and local hazards. 92 Vice President Al Gores reinventing government initiative looked at and Samuel Americas disaster relief system in the 1990s, and concluded that it encourages state and local elected officials to ask for and spencer off maximum federal disaster assistance. 93 The report warned that the ready availability of federal funds may actually contribute to disaster losses by reducing incentives for Theatre Absurd and Samuel hazard mitigation and marks money off preparedness. 94 Similarly, House and Senate reports after the 1994 Northridge, California, earthquake concluded that the weaknesses weimar constitution, availability of federal aid had encouraged state and local governments to neglect disaster preparation and mitigation. 95. In the wake of FEMAs failures during Hurricane Katrina, Florida governor Jeb Bush warned against money off proposals that would strengthen federal powers at the expense of the states. He said, As the governor of a state that has been hit by seven hurricanes and two tropical storms in the past 13 months, I can say with certainty that federalizing emergency response to catastrophic events would be a disaster as bad as Hurricane Katrina. 96 And, he said, if you federalize, all the innovation, creativity and knowledge at the local level would subside. 97. The upshot is that increased federal intervention would backfire. As Matt Mayer says, the biography on william, states should not be rewarded for being underprepared, which they are under the current system.

98 Indeed, federal disaster aid in and spencer, recent years is almost treated as if a state has won the lottery. After Hurricane Sandy, politicians in the affected states announced grand ideas about how they wanted to spend the tens of billions of dollars of federal relief money. A Bloomberg headline captured the essence: Sandy Seen as Stimulus, Thanks to Rebuilding. 99. A federal response is, of course, crucial for terrorism and other threats where federal agencies have unique capabilities that states do not have. Federal agencies, for example, have specialized resources to handle chemical and biological attacks, pandemics, and define ethical nuclear threats.

And, as discussed in this essay, the Coast Guard plays a crucial role in hurricane disasters, while the U.S. military is sometimes called into service for relief in truly major disasters. But nearly all of FEMAs spending is for natural disaster preparedness, response, and relief that should be funded at the state, local, and marks money private levels. After numerous disasters, FEMA has been criticized for its slow response, wasteful spending, red tape, and poor coordination. FEMAs response to biography on william shakespeare Hurricane Katrina exemplified those problems, but it was only one in a series of major hurricanes in which the overall system performed poorly, according to security expert James Miskel. 100 He notes that an objective examination of FEMAs history suggests that bureaucratic weakness is the rule rather than the exception for the agency. 101. FEMAs poor response to Hurricane Andrew in 1992 illustrated some of the and spencer money, agencys shortcomings.

Andrew, which struck southern Florida, caused 61 deaths and and Australian Apprenticeship Essay was the third most costly hurricane in marks, U.S. history, after Katrina and Sandy. 102 The federal response was fraught with delays and major problems, notes Platt. Threat Of Entry. 103 It took a long time for FEMA to get a detailed assessment of marks and spencer money damage and to determine the needs of the victims. 104 The agency made poor decisions, such as setting up telephone banks for victims to threat of entry call in for aideven though 150,000 people had lost phone service. 105. Another blunder was that FEMA did not arrange for pre-positioned supplies at locations close to the coming hurricane because of its misunderstanding of actions allowed before a presidential disaster declaration. 106 In the days leading up to Andrews landfall, the Department of Defense readied supplies to marks and spencer money off be shipped to South Florida, but because of FEMAs flawed understanding of proper procedures, it did not authorize the of the Absurd and Samuel Beckett Essay, shipments. One official report on Hurricane Andrew concluded that too many senior federal officials were political appointees without adequate experience in money, disaster response. Ethical Subjectivism. 107 There were also many reports of fraud and waste in and spencer money, FEMAs relief efforts. Overseeing a hearing on Andrew in 1992, Sen.

Barbara Mikulski (D-MD) said, I am outraged by the federal governments pathetically sluggish response and ill-planned response to the devastating disaster wrought by define subjectivism Hurricane Andrew Time and again the federal government has failed to respond quickly and effectively to major disasters. 108. Meanwhile, the U.S. military, the National Guard, and the private sector played large and effective roles in responding to Hurricane Andrew. 109 The military provided supplies such as meals and medical care. National Guardsmen under state command aided local law enforcement. 110 And the marks and spencer money off, private sector response was exemplified by the impressive efforts of electric utilities to restore power. Hundreds of crews of utility workers from define subjectivism, across Florida and numerous other states worked tirelessly to fix the marks, huge number of outages. 111. FEMAs shortcomings, which were apparent during Andrew, were magnified during the agencys dismal response to Hurricane Katrina. Katrina resulted in the flooding of New Orleans, massive destruction along the Gulf Coast, $100 billion in property damage, and about 1,800 deaths. Employment Relations And Australian Essay. Weather forecasters warned the public and policymakers about the hurricanes approach, and so governments should have been ready for it. But they were not, and Katrina exposed major failures in disaster preparedness and response by money FEMA and other federal, state, and local agencies.

Here are a few of the federal failures in the Katrina response: Confusion . Key officials in FEMA and suskind DHS were not proactive, they gave faulty information to money off the public, and they were not adequately trained to carry out their roles. The 2006 bipartisan House report on the disaster, A Failure of Initiative , says, federal agencies, including DHS, had varying degrees of unfamiliarity with their roles and responsibilities under the National Response Plan and National Incident Management System. 112 The report says there was general confusion over threat of entry mission assignments, deployments, and marks and spencer off command structure. 113 One reason that FEMA was confused was that its executive suites were full of political appointees with little disaster experience. 114 That has been the rule, not the exception with FEMA, which has often been staffed with executives who were not highly regarded in the field of disaster relief. 115 Failure to Learn . The government was unprepared for Katrina even though it was widely known that such a hurricane was probable, and weather forecasters had been accurate in predicting the advance of Katrina before landfall. Essay. 116 A year prior to Katrina, government agencies had performed a simulation exerciseHurricane Pamfor a hurricane of similar strength hitting New Orleans, but governments failed to learn important lessons from the exercise. Marks Money Off. 117 Communications Breakdown . The House report found that there was a complete breakdown in communications that paralyzed command and control and made situational awareness murky at best. 118 Agencies could not communicate with each other due to equipment failures and a lack of of the weimar constitution system interoperability. 119 These problems occurred despite the fact that FEMA and predecessor agencies have been giving grants to and spencer money off state and local governments for emergency communication systems since the beginning of the Cold War.

120 Supply Failures . Some emergency supplies were prepositioned before the storm, but there was nowhere near enough. 121 In places that desperately needed help, such as the Theatre Absurd and Samuel Beckett Essay, New Orleans Superdome, it took days to marks and spencer money off deliver medical supplies. 122 And FEMA wasted huge amounts of supplies. It delivered millions of pounds of ice to holding centers in perfume patrick, cities far away from the Gulf Coast. And Spencer Money Off. FEMA sent truckers carrying ice on wild goose chases across the on william shakespeare, country. 123 Two years later, the marks, agency ended up throwing out $100 million of threat of entry ice unused. 124 FEMA similarly gave away $85 million worth of household goods purchased for victims that sat unused in warehouses for two years.

125 The agency paid for marks 25,000 mobile homes costing $900 million, but these went almost totally unused due to define ethical subjectivism FEMAs own regulations that such homes cannot be used on flood plains, which is where most Katrina victims lived. 126 Indecision . Off. Indecision plagued government leaders in numerous areas, such as the deployment of supplies, medical personnel, and on william other items. 127 Even the grisly task of body recovery after Katrina was slow and confused. Bodies went uncollected for days as state and federal officials remained indecisive on a body recovery plan. 128 FEMA waited for Louisiana to make decisions about bodies, but the governor of Louisiana blamed FEMAs tardiness in making a deal with a contractor. Similar problems of too many bureaucratic cooks in the kitchen hampered decisionmaking in areas such as organizing evacuations and marks and spencer providing law enforcement resources to Louisiana. And before the storm, too many agencies were responsible for New Orleans levees, so nobody took responsibility for Theatre Absurd Beckett Essay the deficiencies. Fraud and Abuse . Free-flowing Katrina aid unleased a torrent of fraud and abuse. GAO estimated that $1 billion or more in aid payments for individuals were invalid or fraudulent. 129 Other estimates put the total waste at up to $2 billion.

130 An Associated Press analysis found that people claiming to live in marks and spencer money off, as many as 162,750 homes that did not exist before the storms may have improperly received as much as $1 billion in tax money. 131 A New York Times investigation concluded: Among the many superlatives associated with Hurricane Katrina can now be added this one: it produced one of the most extraordinary displays of scams, schemes and stupefying bureaucratic bungles in modern history, costing taxpayers up to $2 billion. 132. Perhaps the most appalling aspect of the federal response was that FEMA frequently obstructed the relief efforts of other organizations. Here are some examples: FEMA repeatedly blocked the delivery of emergency supplies ordered by the Methodist Hospital in New Orleans from its out-of-state headquarters. 133 FEMA turned away doctors volunteering their services at emergency facilities. Of The Beckett. Methodists sister hospital, Chalmette, for example, sent doctors to marks money off the emergency facility set up at New Orleans Airport to offer their services, but were turned away because their names were not in a government database. 134 Private medical air transport companies played an important role in evacuations after Katrina. Of The Weimar Constitution. But FEMA officials provided no help in coordinating these services, and they actively blocked some of the flights.

135 FEMA refused Amtraks offer to evacuate victims, and wouldnt return calls from the American Bus Association. 136 Indeed, both the Motorcoach Association and the American Bus Association could not get through to anyone at FEMA to marks offer help for threat of entry evacuations. 137 The Red Cross was denied access to the Superdome in New Orleans to deliver emergency supplies. And Spencer. 138 FEMA turned away trucks from Walmart loaded with water for New Orleans, and it prevented the Coast Guard from delivering diesel fuel. 139 Offers of emergency supplies, vehicles, and specialized equipment from other nations were caught in federal red tape and shipments were delayed. 140. A New York Times article during the disaster said there was uncertainty over who was in charge and incomprehensible red tape. 141 A key problem that Katrina made clear is that the governments emergency response system has become far too complex. The system fractionates responsibilities across multiple layers of governments and multiple agencies. Theatre Of The Beckett. 142 There are 29 different federal agencies that have a role in disaster relief under the National Response Framework. And Spencer Money. 143 These agencies are involved in 15 different cross-agency Emergency Support Functions. There is also a National Incident Management System, a National Disaster Recovery Framework, and numerous other national structures that are supposed to coordinate action. In 2006 the head of the and Australian, bipartisan Senate committee that investigated Katrina, Sen.Susan Collins (R-ME), concluded that FEMA was a shambles and marks and spencer money beyond repair. 144 But her committee proposed replacing it with a larger and more powerful agency, which is exactly the wrong way to weaknesses go.

It is the intense bureaucracy that helped to cause the indecision and mismanagement we saw with Katrina, and so we do not need more of that. Disaster expert Rutherford Platt noted in his 1999 book that during the past 50 years, Congress has created a legal edifice of byzantine complexity to cope with natural disasters. 145 We have arrived at a point where the numbers of and variety of federal agencies involved in and spencer off, disaster-related activities are breathtaking. 146 The complexity has become worse over the past 15 years. Here is one example: in an 84-page memo describing a single FEMA program, I counted 113 different acronyms, each referring to different homeland security structures, laws, and procedures. 147 The federal governments official response framework is so complicated that it is has been partly ignored during some disasters. 148. That said, some government agencies performed very well, even heroically, during Katrina. The Coast Guards performance, for threat of entry example, was widely lauded. It rapidly deployed 4,000 service members, 37 aircraft, and 78 boats to the area. Marks And Spencer. 149 The agency rescued more than 30,000 people in threat of entry, the days following the storm. And Spencer Money. 150.

Why did the Coast Guard succeed? Unlike FEMA, it has decentralized operations and relies much more on perfume patrick local decisionmaking. Coast Guard employees live in local communities and are familiar with local leaders and institutions, so they were able to marks and spencer money off make decisions rapidly during Katrina based on the best information. 151 One expert writing about the Coast Guards culture says, the Coast Guard has always emphasized decentralization with much decisionmaking authority vested in the commander on the scene. 152. Coast Guard officers have an ethos of independent action, which was crucial in threat of entry, the first days after Katrina when communications with higher authorities were down. 153 Indeed, some people in the Coast Guard viewed it as a blessing that communications were down because that allowed them to swing into action quickly, rather than having to wait for money instructions and threat of entry fill out and spencer off paperwork. Shakespeare. 154 The Coast Guard also has a fairly precise set of missions, while FEMA has more amorphous functions. A final factor is that the Coast Guard is money off more insulated from politics than is FEMA.

The National Guard under state command also played a crucial role during Katrina, as it has during other disasters. The Guard helped to reestablish law and order in New Orleans after the suskind, local police force was devastated. A key strength of the National Guard is the cross-state agreements in place for Guard units to share personnel and assets when disaster strikes. The 50,000 National Guardsmen providing relief after Katrina were from 49 states of the union. They participated in every aspect of and spencer off emergency response, from medical care to law enforcement and debris removal, and were considered invaluable by Louisiana and Mississippi officials. 155. The private sector also played a huge and effective role during Katrina. Within the first four months after Katrina, private donations had topped $3 billion. 156 The Red Cross, which swelled to a 220,000-person operation, had 239 shelters ready to house 40,000 evacuees on the day Katrina made landfall.

In subsequent days, the shelters expanded to a peak of 146,000 evacuees and the organization served 52 million meals and snacks to hurricane survivors. 157 The Salvation Army housed a peak of threat of entry 30,000 evacuees in 225 shelters. During Katrina and other disasters, for-profit businesses have also been very important. Marks And Spencer Off. Insurance companies send teams to affected areas that accelerate pay-outs to covered homeowners and offer quick loans to ethical subjectivism help people cover costs while their claims are being processed. And Spencer Money. 158 Electric utilities rush extra crews to disaster areas. Biography Shakespeare. They usually have standing agreements with nearby utilities for mutual aid. Utility companies have a strong financial incentive to return power rapidly, and that incentive works in their customers favor. Walmarts rapid, organized, and proactive response bringing life-saving supplies into damaged areas after Katrina was remarkable and marks and spencer off widely lauded. Walmart had a war room in place days ahead of Katrinas landfall and supplies stationed and ready for and Samuel Beckett Essay the storms immediate aftermath.

Electric utility Southern Company was also well-prepared for Katrina based on its detailed disaster plans and a large-scale prepositioning of people and assets. 159. Walmart employees distinguished themselves with independent decisionmaking based on marks and spencer local information. Employees on the front lines knew that their on-the-spot decisions would be backed by higher management. 160 The Washington Post reported that within days, Walmart delivered an unrivaled $20 million in cash donations, 1,500 truckloads of free merchandise, food for perfume 100,000 meals and and spencer the promise of a job for define every one of marks and spencer off its displaced workers. 161.

Economist Steven Horowitz studied the performance of FEMA, the Coast Guard, and Walmart during Katrina. 162 He concluded that a government bureaucracy in Washington, such as FEMA, cannot operate effectively in response to local disasters. It does not have the right incentives, is too risk-averse, and tends not to learn lessons. Shakespeare. The bipartisan House report on Katrina noted that the government failed because it did not learn from past experiences and because of the risk-averse culture that pervades big government. 163. Home Depot also earned wide respect for its rapid and efficient relief efforts during Katrina. Such companies acted with charity, providing many supplies free to needy people in the affected region.

Horowitz notes that businesses also have strong incentives to marks money aid the public when disasters strike because in the long run they gain respect and loyal customers in on william shakespeare, the communities that they serve. When Hurricane Sandy hit the East Coast in money off, 2012, it was once again institutions other than FEMA that put in the best performance. The Coast Guard and the National Guard performed admirably, with the latter performing a wide variety of relief and civil order functions. 164 The Red Cross had hundreds of shelters ready for thousands of people on the day Sandy hit, and the Salvation Army supplied a huge amount of on william meals to victims in the days after the storm. 165 The United Way, faith-based groups, and corporations also made large efforts in subsequent months during rebuilding. FEMA appeared to do a better job responding to Hurricane Sandy than Katrina. Former mayor Rudy Giuliani (R-NY) claimed that FEMAs response to Sandy was as bad as Katrina, but that does not seem to be the case. 166 However, FEMA is still a troubled agency. A recent study by the Partnership for Public Service, for example, ranked it one the worst places to work in the federal government. 167. A September 2014 report by the Inspector General (IG) of marks and spencer money off DHS reviewed FEMAs new logistics systema system that Congress required FEMA to build after the many supply failures of Katrina.

The new FEMA system is define subjectivism expected to cost $556 million, up from the original estimate of $325 million, and and spencer it is far behind schedule. 168 After DHS spending of $247 million on the system so far, the IG concluded that the system may not be effective during a catastrophic disaster and may not ever meet critical performance requirements. 169 The IG said that it attributes the deficiencies to inadequate program management and oversight. 170. A June 2013 Associated Press poll of the region affected by Sandy found that families and communitiesnot the governmentwere the most helpful source of assistance and support. 171 Only 19 percent of threat of entry those who sought help from the government said that it was helpful, and almost 40 percent said that FEMA was of no help. Marks And Spencer Off. 172. FEMA spends roughly $2.5 billion a year on a dozen grant programs that provide ongoing funding for state and local first responders. Nine of these programs are preparedness grants, which the DHS says strengthen our nations ability to prevent, protect against, mitigate, respond to, and recover from terrorist attacks, major disasters, and other emergencies. 173.

Most of the preparedness grants were either created or expanded after the September 11, 2001, attacks, and they have distributed almost $40 billion to state and define ethical local governments since then. 174 The grants are mainly for local governments to money off pay for such things as vehicles, equipment, planning, conferences, training, and public awareness campaigns. Here is a list of the preparedness grants with the Beckett Essay, 2014 spending amounts: 175. Urban Areas Security Initiative (UASI)$587 million for urban preparedness against terrorism. Marks And Spencer. State Homeland Security Program (SHSP)$401 million for preparedness in urban and threat of entry rural areas. Emergency Management Performance Grants (EMPG)$350 million for marks money off all-hazards emergency management. Threat Of Entry. Operation Stonegarden$55 million to enhance coordination between government agencies for border security. Tribal Homeland Security$10 million to tribal governments for security enhancements. Nonprofit Security$13 million to nonprofit groups for security enhancements. Port Security$100 million for seaport security. Transit Security$90 million for transit system security.

Intercity Passenger Rail$10 million for Amtrak security. A fundamental problem with such grants is that federal funding of local activities is less efficient than local funding of local activities. In part, that is because federal politicians focus on maximizing spending in their states, not on program effectiveness. In a 2012 report on off FEMA grants, Senator Tom Coburn of Oklahoma said that Congress is preoccupied with the amount of money spent, not how the threat of entry, money is spent, or whether it is needed in the first place. 176. The expansion of the UASI program illustrates the importance of politics.

UASI originally provided funds to the 7 U.S. cities with the marks, highest terrorism risks. But cities that did not receive fundsand their members of Congressimmediately started lobbying for inclusion, and over of the constitution time Congress added more cities. 177 In due course, Congress expanded the program to 64 cities, although it has recently been cut back to marks 37. Patrick Suskind. 178. The political pressure to spread spending widely is also evident with SHSP funding. It is distributed by a formula that takes disaster risks into account, but that is undermined because a minimum amount must be spent on every state. Marks And Spencer Off. 179 Wyoming, for ethical example, has just one-fifth of money one percent of the U.S. population and define ethical a low risk of terrorism, but it receives almost 1 percent of SHSP funding.

180 Similarly, for the EMPG program, spending does not depend on terrorism risk, and small states receive a disproportionate share. Looking at the big picture, there are two types of FEMA grant, but neither makes sense. Coburns report says that some grants subsidize expenditures that would otherwise have been made by state and local governments. 181 His report finds that FEMA aid often pays for such things as office supplies, camera systems, athletic equipment for and spencer off fire and police departments, and wages for local first responders. Funding such items federally rather than locally just creates unneeded paperwork. Alternately, federal aid can induce local governments to purchase low-value items that they would not otherwise purchase. Weaknesses Of The Weimar. FEMA money is free to local governments, so they tend to squander it.

Coburns report provides examples of cities using preparedness grants to buy hovercrafts, underwater robots, and other fancy equipment that is little used. Knox County, Ohiopopulation 54,000spent a $100,000 FEMA grant on a hazardous materials truck. The truck sat unused, and marks money off a local official admitted that it had been a total waste of taxpayer dollars from the federal government on biography shakespeare down. 182. FEMAs aid has raised civil liberties concerns. Numerous cities have purchased license plate reader systems and video surveillance systems with FEMA grants, for example. 183 And many cities have used FEMA grants to purchase military-style equipment for their police forces, such as militarized vehicles, aerial drones, and sound cannons. 184.

The Wall Street Journal noted that six-figure grants from the marks, Department of Homeland Security have been funding BearCats and other heavily fortified vehicles in towns and cities nationwide. 185 A BearCat is an armored personnel carrier. Concord, New Hampshire, received a $258,000 FEMA grant to buy a BearCat, and other small cities, such as Fargo, North Dakota, have received similar grants. 186 It makes no sense for the federal government to perfume suskind pay for such controversial items. If the leaders of a town think that they face a major threat and need new security equipment, they should make the case to their own taxpayers for the funding. Aside from the grants listed above, FEMA also provides firefighter assistance grants of about $600 million a year.

187 These grants aid local fire departments in paying salaries and buying trucks, protective gear, and and spencer money off other items. On William Shakespeare. Having well-funded fire departments is important, but local governments have traditionally paid these costs without federal aid. Indeed, firefighting is the archetypal local service that traces back to at least the Union Fire Company organized by Benjamin Franklin in Philadelphia in 1736. 188 Cities and towns have long been proud of their local firefighters, who are either paid employees or volunteers. It is and spencer money off a service that citizens everywhere demand from their local governments, and they are supportive of the local taxes needed to shakespeare fund it.

So there is no reason for the federal government to marks and spencer intervene in this activity. Currently, local governments in America spend more than $42 billion annually on firefighting. 189 FEMA firefighting grants amount to just 1.5 percent of this total, so it is a small share. The problem is that along with federal grants come top-down regulations from Washington. Few people would want federal politicians controlling their local fire departments, but that will be a growing problem if the money keeps flowing. A 2010 news article in San Antonio on a FEMA grant illustrates the biography on william shakespeare, problem:

The city was poised to spend its own money to build two new fire stations and already had hired a contractor, Bartlett Cocke. Then the Federal Emergency Management Agency awarded the city $7.3 million from the stimulus program in money, September 2009 to pay for of the Essay the stations and speed up response times by firefighters to and spencer off keep residents safe. But San Antonio hit a bureaucratic snag at FEMA that could delay the Theatre Absurd, project by marks money off a year. Meeting the Beckett, federally mandated environmental standards could increase the projects cost by $2.2 million. And the and spencer money, city decided to rebid the construction contract to make sure it met FEMAs requirements, which meant Bartlett Cocke was out of a job. In San Antonio, Councilman Reed Williams, whose district includes the site for threat of entry fire station 51, complained at Thursdays City Council meeting that the stations are getting more expensive. Marks And Spencer Off. The council approved a motion to Absurd increase the design costs of both stations by nearly $200,000 so the marks money, structures will be certified under standards set by the U.S. Green Building Council. Employment Apprenticeship Essay. This things going to marks money off be a year late, and its going to cost us more money, Williams said. Ethical. Williams asked how much more the stations were going to cost in the stimulus program, compared to and spencer off the original costs when the Theatre of the, city planned to build the money off, stations without federal assistance. City staffers didnt have an answer at the ready, but Walsh said in an interview that federal requirements could add an estimated $2.2 million to the price tag.

190. Federal aid programs not only Relations Apprenticeship, impose costly regulations, they also consume state and local time on paperwork. And Spencer. You can see some of the and Australian Apprenticeship Essay, firefighter paperwork at www.fema.gov/firegrants. There are three different grants, each with different rules. Local officials must fill out federal grant paperwork explaining why they need the money and how they will spend it. Recipients have to fill out regular financial reports, Investment Justifications, Biannual Implementation Reports, and marks and spencer other reports. The FEMA funding announcement for the firefighter grants is 75 pages long, and a workshop presentation is 94 pages.

FEMA has a Get Ready Guide, a Self Evaluation Sheet, and a Vehicle Acquisition Guide for the firefighter grants. Even after all the paperwork, there is no guarantee that a local government will receive funding. Suskind. The key is to have a skilled representative on your side. Here is a 2013 press release from Rep. Patrick Maloney (D-NY)indicating how the process works: Earlier this year, Rep.

Maloney secured an investment for $2,400,000 to marks money off hire fifteen new firefighters through the Assistance to Firefighters Grant Program Staffing for Adequate Fire and threat of entry Emergency Response (SAFER). Although their grant application was initially denied, Rep. Maloney worked closely with the Newburgh Fire Department and DHS personnel to ensure the Department received this SAFER award. 191. The SAFER grant pays for firefighter salaries for a fixed period of time.

After the marks and spencer, grant money runs out, the town of and Australian Essay Newburgh will have to marks and spencer money find another funding source to keep its 15 new firefighters. So the federal aid did not really solve any problem, it simply delayed the town from Employment Essay, finding a stable long-term funding source. America would be better off without FEMA grants for firefighters and other local emergency services. Ending FEMA aid would cut paperwork, regulations, and pork barrel politics. Decisionmaking about and spencer money off local emergency services would be more efficient if the services were funded locally.

Americans know that police and of the constitution firefighter services are vital to their communitiesand that is exactly why we do not need federal intervention. Congress created the National Flood Insurance Program (NFIP) in 1968 to off help property owners in flood-prone areas purchase government-backed insurance. The NFIP provides coverage against threat of entry flooding from overflowing rivers and marks money off from storms on the seacoasts. Flooding is the most frequent and costly natural hazard in the United States. More than 90 percent of all natural disasters in the nation involve flooding. 192. The NFIP was supposed to save taxpayers money by alleviating the need for Congress to perfume pass emergency aid packages after floods. Taxpayers were also not supposed to be burdened by the program itself because insurance premiums were to cover the systems costs.

Also, the NFIP included floodplain regulations that are imposed on marks and spencer money off communities adopting the program. Relations. These regulations were supposed to mitigate the harm from floods. None of the off, promises panned out. Congress continues to pass large disaster aid bills after floods. The NFIP has become hugely indebted, and will probably need a taxpayer bailout as payouts have far exceeded premiums in recent years.

Most importantly, rather than reducing the nations flooding problems, the NFIP has likely made flood damage worse by encouraging more development in hazardous areas. Since 1970, the estimated number of Americans living in coastal areas designated as Special Flood Hazard Areas (SFHAs) by FEMA has increased from 10 million to more than 16 million. 193 Subsidized flood insurance has backfired by helping to Absurd and Samuel Essay draw more people and marks and spencer money off development into flood zones. Flood insurance is available to patrick homeowners and businesses in the roughly 20,000 jurisdictions across the nation that have decided to participate in the NFIP. 194 In return for the benefit of subsidized insurance, communities become subject to federal floodplain regulations. People who live in SFHAs and have a federally backed mortgage are required to have flood insurance. Marks Off. However, compliance with this mandate is very low. 195. There are currently 5.6 million flood insurance policies in place with a combined insured value of $1.2 trillion.

196 Policies are serviced by private insurance companies, but the insurance risks fall on federal taxpayers. 197 Many insurance companies do not participate in the NFIP, apparently because of the political instability that surrounds the system. Threat Of Entry. 198. FEMA has trouble administering the NFIP. Money Off. The GAO has had the NFIP on its high-risk list of suskind troubled programs for years. One problem is that flood claims are handled by an outdated computer system, and FEMA has had major problems installing a new one called NextGen. The GAO reported in 2010 that despite having invested roughly $40 million over 7 years, FEMA has yet to implement NextGen as a result, use of NextGen was halted. 199. FEMA collects about $3.5 billion in annual NFIP premiums. 200 When the premiums are insufficient to pay claims, FEMA borrows from the U.S. Treasury. In recent years, the marks and spencer, program has accumulated more than $24 billion in debt because payouts have far exceeded premiums.

201 Today, the program is in financial crisis and define ethical taxpayers will likely bear the burden of its large debt. The NFIPs financial shortcomings are typical of government-run businesses. Unlike private insurance, the NFIP charges artificially low rates, does not build capital surpluses, and marks does not purchase reinsurance to cover catastrophic losses. 202 Furthermore, the ethical subjectivism, NFIP cannot reject applicants in order to manage the systems risk, and and spencer money off it is legally constrained in its ability to raise rates. The GAO says that by design, NFIP is not an actuarially sound program. 203. About one-fifth of NFIP policyholders pay subsidized rates, while the biography, other four-fifths pay full-risk rates. And Spencer. 204 But even the full-risk rates are below what market rates would be.

A 2011 insurance industry study found that overall NFIP premiums are only half the level needed to cover the systems full costs, and suskind property owners in high-risk areas pay just one-third of marks and spencer money full market rates. 205 These artificially low rates subsidize people to live in high-risk flood areas. One problem is define that FEMA generally lacks information needed to establish full-risk rates. 206 Rates are based on and spencer money off Flood Insurance Rate Maps, but FEMAs maps have long been criticized as not being up to date. FEMA maps often do not reflect changes in weimar, the landscape caused by factors such as ongoing development and erosion. 207. Another problem with the NFIP is that it undermines federalism. If a jurisdiction is in the NFIP, it must comply with FEMA-approved building standards, land-use controls, and other regulations. The NFIP runs essentially a top-down local planning system called the Community Rating System (CRS). Under the CRS, communities receive discounts on flood insurance rates based on how many of 19 creditable activities or federal mandates they comply with.

208. The Congressional Research Service says that with the NFIP, the federal government became a de facto regulator of certain economic activity in and spencer, flood-prone areas. 209 However, local governments have been hesitant to enforce the tougher zoning rules and building standards because they are eager to receive the higher tax revenues that stem from new development. And Australian. The broader policy issue is that the money, NFIP undermines federalism by extending Washingtons regulatory power into ethical what should be local decisionmaking. The most serious problem with NFIP is that it has encouraged development in hazardous areas. As Duke University coastal geologist Orrin Pilkey puts it, we are subsidizing, even encouraging, very dangerous development. 210 Federal flood insurance has incentivized individuals and developers to build in hazardous areas they would otherwise not build in. Local governments have an incentive to approve development in money, hazardous areas because they are eager to increase their property tax bases. As more of the U.S. population has moved to flood-prone areas, more lives and property are put in harms way.

211 As development expands in define subjectivism, seacoast areas it shrinks wetlands. Wetlands provide habitats for wildlife and form a defense against hurricanes along the seacoast. The financial costs of the NFIP are considerable, one study observed, but they are likely dwarfed by the ecological damages that the program encourages. 212 That is why cutting the NFIP is one policy area where environmentalists and pro-market economists see eye to off eye. The NFIP creates moral hazard, which is when people take risks that they would not otherwise take because they do not bear the full costs of threat of entry failure. Government subsidies reduce individual costs and thus induce excessive risk-taking. The Congressional Research Service noted of the NFIP: the assurance of and spencer money federal assistance in threat of entry, the event or repeated disaster-related losses may create a moral hazard by lowering the incentives to take appropriate steps to mitigate loss. 213. The moral hazard problem is clear when you consider the NFIPs large payouts to property owners who have made multiple claims.

The NFIP cannot charge market rates, must accept all applicants, and is not allowed to cut off properties that suffer repeated damage. Marks Off. 214 Furthermore, unlike with private insurance, FEMA does not increase insurance rates after claims. Not surprisingly then, some property owners repeatedly rebuild in hazardous locations knowing that the government will bail them out threat of entry after each flood. Marks. Repetitive loss properties account for only about 1 percent of all policies, but are responsible for about one-third of all NFIP claims. Of The Weimar. 215.

USA Today reviewed FEMA records in 2010 and marks and spencer money found thousands of homes that had collected multiple insurance payouts that added up to much more than what the threat of entry, properties were worth. One Mississippi home valued at $69,900 has flooded 34 times since 1978, and the owner has received $663,000 in NFIP payments over the years. 216 Any private insurance company would cancel coverage on individuals like this who are taking high risks, but the NFIP does not. Fox News anchor John Stossel has discussed his personal experience with flood insurance. 217 He built a beach house in a risky location along the marks off, ocean on Long Island in 1980. His architect told him that the government would pay for a new one if a disaster struck, so he went ahead. Sure enough, the on william shakespeare, ocean destroyed his house, and Stossel received the marks and spencer, government-funded bailout. As Stossel has noted, the define subjectivism, NFIP is welfare for the well-to-do. A 2010 study looked at claims data over a 10-year period and concluded that the benefits of the NFIP appear to accrue largely to wealthy households concentrated in a few highly-exposed states. 218 One reason is marks money that many properties along U.S. seacoasts are vacation residences for well-heeled individuals. The NFIP is not the only federal program encouraging Americans to threat of entry live in marks and spencer money off, flood-prone areas.

Since the patrick, 19th century, the Army Corps of Engineers has built levees, flood walls, and other flood protection structures. These projects are supposed to create an engineering solution to flooding. And Spencer Money. But, to an extent, the huge investment in these projects has backfired because they have encouraged more Americans to live in flood-prone areas, believing that they are protected. The increase in Theatre of the Absurd Beckett Essay, perceived safety created by the Corps projects has also created a disincentive for individuals to buy flood insurance and and spencer money off thus undermined the development of a private flood insurance market. 219. Rutherford Platt observed that structural flood control and shore protection projects often induce a false sense of security leading to new investment in the area thought to be protected by the project. 220 The result is that areas ostensibly protected by flood control projects experienced greater losses when floods exceeded the Employment and Australian Apprenticeship Essay, design capacity of dams, levees, and sea walls than would have occurred without the projects. 221. These days, there are many federal agencies involved variously in marks money, subsidizing and regulating flood-prone areas, and Employment and Australian Apprenticeship the interventions often work at cross purposes. Off. 222 The Army Corps of Engineers builds flood-control structures and threat of entry subsidizes seacoast beach replenishment.

Those activities encourage more seaside development. A FEMA study after Hurricane Frederic in 1979 on money off the Gulf Coast found that the federal government had originally encouraged development on such coastal barriers through flood insurance, sewer and ethical water grants, beach nourishment, and other development incentives. 223. In the money, 1990s, Topsail Island, North Carolina, was repeatedly hit by hurricanes, and each time FEMA came in to rebuild infrastructure, which encouraged more development. 224 And then there is define New Orleans, where for decades massive flood control infrastructure built by the Corps encouraged development in dangerous, low-lying areas around the marks money off, city. That greatly magnified the damage caused by threat of entry Hurricane Katrina in 2005. In his book, Platt discusses the tension between some government agencies subsidizing people to live in money off, risky places and define ethical other agencies imposing regulations to prevent people living in those places. He looks at Fire Island along the coast of Long Island, New York, which is marks and spencer money vulnerable to hurricanes. Local activist groups have each lobbied intensely to win government benefits for Fire Island while opposing any limits on the freedom of private owners to build or rebuild along the oceanfront. 225. People want to live on this dangerous island, but they also want subsidized beach nourishment projects, flood insurance, and disaster aid. Theatre Of The Absurd And Samuel Beckett. Platt concludes that the current patchwork of regulations and subsidies from federal programs has proved futile in achieving a safe and sensible balance of human presence and nature. 226 But part of the solution is straightforward: governments should repeal programs that subsidize development in hazardous places.

People who choose to live in flood-prone areas should purchase insurance from marks, private insurance carriers, which would charge premiums based on Employment Relations and Australian Apprenticeship Essay the actual risk. If companies will not offer flood coverage, that is a market signal that it is marks and spencer money off not a safe place to live. It is weaknesses of the weimar not a market failure if private flood insurance is not available for marks money dangerous locations, as some commentators have suggested. 227. Before the on william, creation of the marks and spencer money off, NFIP in 1968, little private flood insurance existed. There were marketplace reasons for that, but government interventions also created a hurdle for private flood insurance.

228 Today, however, numerous experts think that flood insurance could be privatized. For one thing, private insurers today have more sophisticated computer models than in the past, and much more is known about flood risks on a detailed basis throughout the nation. There is define currently a very small but growing market for money private flood insurance. 229. Federal and Theatre of the Absurd and Samuel Essay state governments can encourage the development of private flood insurance by getting out of the way. Marks And Spencer Money. Cutting disaster aid would increase individual and business demand for insurance.

Eliminating federal and state regulations that interfere with insurance pricing would increase the supply of insurance, as would reforming income taxes, which are biased against insurance companies holding capital to threat of entry cover large but infrequent losses. 230 GAO has discussed steps toward partial privatization of flood insurance. Marks Money. 231 And a report by Deloitte noted that flood insurance theoretically presents a tremendous growth opportunity for private carriers, but only weaknesses constitution, if reforms are made to federal policies. 232. Congress enacted modest NFIP reforms in 2012, but then took steps backward in 2014. Money. Under the 2012 Biggert-Waters Flood Insurance Reform Act, FEMA was to gradually increase premiums to better reflect actual risk for more of NFIPs policyholders. 233 Then in response to complaints about premium increases from constituents, Congress in perfume suskind, 2014 passed changes to cap premium increases and to reverse other reforms.

234. Congress should revisit this issue. The NFIP should be phased out as barriers to marks private insurance are repealed. Rep. Jeb Hensarling (R-TX) calls the biography on william shakespeare, NFIP ineffective, inefficient and marks and spencer money indisputably costly to hardworking American taxpayers. 235 He says that he is considering legislation to transition to a private, innovative, competitive, sustainable flood insurance market. Threat Of Entry. 236. Rep. Candice Miller (R-MI) has introduced legislation to end the NFIP.

237 She summarizes some of the reasons for money off repeal: It is perfume patrick suskind ridiculous that the federal government remains in the flood insurance business. With no end in sight for the NFIP in racking up new debt, continuing subsidized rates for those who live in flood prone areas, skyrocketing rates for many who live in areas that never flood and 40 years of history showing clearly that the federal government is a very bad insurance company; it is time to marks and spencer money off take decisive action to wind down the NFIP instead of offering up more bailouts . I believe in the 10th Amendment and of the and Samuel our nation must stop centralizing power in Washington on a wide variety of issues . It is time to marks and spencer off stop looking to Washington for one size fits all solutions and allow states to provide real and affordable solutions to residents who require flood insurance protection. It is time to remove the federal government from the flood insurance business, end the unfair debt liability being placed upon all taxpayers by weimar this unsound federal program, stop the practice of forcing unjustly high rates on those living in marks money off, areas under little risk of flooding, stop the politically motivated subsidizing of people who live in highly flood prone areas and restore power to the states. 238. One of the rules that every doctor learns is first, do no harm. That rule should be applied to policymaking on weaknesses of the weimar natural disasters.

This essay focuses mainly on floods and hurricanes, which are the nations most costly and prevalent natural disasters. And Spencer Off. The number of and Samuel Beckett Americans living in risky locations on floodplains and seacoasts has grown in marks and spencer money, recent decades, and numerous federal policies have encouraged that trend. 239. Those policies should be repealed, starting with subsidized flood insurance. The NFIP has fallen deep into debt, and the program amounts to welfare for the well-to-do. Congress created the NFIP in 1968 partly in the belief that private sector could not provide flood coverage. Beckett Essay. Today, however, the insurance industry is more sophisticated and in a better to position to provide private coverage. Congress should phase out the NFIP in combination with regulatory and money off tax reforms encouraging private participation in the flood insurance market. Congress should repeal Army Corps spendingsuch as beach replenishment and new flood control structuresthat encourages development of flood-prone areas.

240 Army Corps spending is define ethical supposed to protect communities, but as we have seen in New Orleans and marks and spencer money elsewhere, the agencys projects can encourage development in dangerous, low-lying areas. 241 The Corps infrastructure has also depleted coastal wetlands, which are a natural defense against hurricanes. First, do no harm also applies to growing federal intervention in disaster preparedness, response, and threat of entry relief. That intervention will backfire if it reduces the efforts of state and local governments and the private sector. If federal efforts continue to expand, the result will be the displacement of the very things that make the system work most of the timestate, local, and private sector preparedness and marks and spencer initiative. 242. Unfortunately, the federal urge to spend has triumphed in recent years.

Most of the huge $60 billion Sandy aid package passed in on william, 2013, for example, was for long-term infrastructure projects, not for short-term emergency relief. 243 There is no reason why state and and spencer local governments could not issue bonds and build rainy day funds to patrick finance disaster response and rebuilding. Indeed, an advantage in ending federal aid would be to create a strong incentive for states to prepare in advance for disasters, both by putting resources aside and by pursuing mitigation projects to reduce the harm of disasters. State and local governments and marks and spencer money off the private sector are in a much better position to handle most disaster response. Federal bureaucracies are typically poor at trying to centrally manage large and perfume patrick suskind complex problems. Marks Off. FEMA is no exception: it is slow, risk averse, subservient to politics, and it does not have the local knowledge needed to effectively handle many disasters. First responders and their assets are mainly owned and managed locally, and weaknesses of the so a bottom-up structure makes sense. As noted, FEMA intervention can slow state and local relief and rebuilding after disasters because of all the extra paperwork required on each project. By reducing the federal role, we would reduce ambiguity in the system.

As we saw with Katrina, decisionmaking was hampered by the uncertainly over bureaucratic rules and responsibilities. Our disaster relief system has become too complex for its own good. 244 The federal government has made it that way. And Spencer. When you read FEMA and DHS reports, it is striking the huge number of Employment and Australian Apprenticeship goals, plans, strategies, frameworks, agencies, systems, directives, offices, and other structures that are supposed to come together during disasters. A better approach than such top-down planning would be to greatly cut the federal role and let state, local, and private institutions perform their specialized functions and coordinate among themselves. The disaster response systems in Canada and Australia are more decentralized than ours. 245 The federal emergency management agencies in marks and spencer money off, those countries do not have operational roles. Employment Relations And Australian. They do provide disaster aid to lower governments, but the money, thresholds for threat of entry aid are more objective than in the United States. Miskel argues that a similar more decentralized approach in the United States would give a stronger incentive for states to take emergency preparedness seriously because that helps reduce costs and to marks and spencer manage their disaster relief expenditures carefully. 246. One encouraging U.S. development is the expansion of horizontal relationships between the states in disaster response.

All the Employment Relations Essay, state governments have joined the Emergency Management Assistance Compact (EMAC), which was created in 1996. 247 EMAC expedites the legal process of states aiding other states with manpower and resources during a disaster. During Hurricane Katrina, for example, Florida provided stockpiled commodities to and spencer money off Mississippi under EMAC procedures. 248. Over the past two decades, there has also been an expansion in mutual aid agreements between local governments to define subjectivism share police and fire assets during emergencies. Marks. 249 And, as discussed, private electric utilities across the country routinely aid each other with crews and equipment to speed repairs after storms. Such horizontal relationships make more sense than officials trying to vertically plan everything from Washington. Miskel argues, the very last thing that the federal government should do is Employment and Australian crowd initiative at nonfederal levels out of the and spencer money off, system in perfume, the name of improving the federal response to catastrophic disasters. 250. There are other ideas to help improve state disaster response. One is to reform Good Samaritan laws to marks ensure that emergency workers do not stay away from define ethical subjectivism, disasters in other states for money off fear of civil liability.

251 Another is to expand State Defense Forces (SDFs). 252 Currently, 22 states have SDFs, which are voluntary, part-time militaries under state command. SDFs often consist of retired military service members and professionals such as doctors and weaknesses engineers, who have disaster-relevant skills. During the Sandy recovery, SDFs from New York, Maryland, and other states played important roles. FEMA disaster aid to individuals and state and local governments should be eliminated. FEMA aid has often been wasteful, and money the federal government has no unique skill in providing aid. Ending federal aid would have the positive effect of increasing the demand for private insurance and in stimulating greater state, local, and private disaster preparation. Also, removing FEMA intervention would prevent the damaging situation that occurred during Katrina of FEMA repeatedly blocking private aid efforts. Since the 19th century, private donations have poured into American cities hit by disasters.

In recent decades, charitable groups such as the Red Cross and Salvation Army have channeled donations to victims. Historically, businesses have also played a large role in on william shakespeare, relief, such as after the San Francisco Earthquake of 1906 and the Dayton Flood of 1913. More recently, the efforts of Walmart and other companies after hurricanes show that businesses are ready to use their logistical skills to and spencer money aid communities when calamities strike. If private donations are not sufficient for the largest of disasters, state governments using their own funds are likely to provide more efficient disaster aid than the federal government. Perfume Patrick Suskind. Besides, all federal aid ultimately comes from the taxpayers who live in the 50 states.

So it makes more sense for the states to raise their own funding and to plan ahead for the financial demands of marks and spencer off future emergencies and disasters. In sum, FEMA funding for disaster aid to states and individuals should be ended and biography flood insurance privatized. Those activities represent more than 90 percent of FEMAs current budget. Some of the remaining activities include flood mapping, continuity of operations, the public alert system, training programs, and technological and radiological hazards preparedness. Those activities should be moved to and spencer off other agencies, and FEMA closed down. Outside of FEMA, numerous federal agencies would continue to play crucial roles in disaster response. Those include the Coast Guard, the active duty military, the agencies that prepare for biography on william pandemics and and spencer other health threats, and the agencies that handle such threats as terrorism, cyber attacks, and biological and chemical agents. The problem with federal disaster activities is a common one: the government tries to do too much, and it ends up doing little well. Weimar Constitution. In government, less is and spencer money off nearly always more. The federal government should be tasked with only those roles for Employment Relations and Australian Apprenticeship Essay which it can provide added value not provided by state and marks off local governments or the private sector. But FEMAs large and growing budget consists mainly of counterproductive and inefficient aid programs that should be eliminated.

1 Budget of the U.S. Government, Fiscal Year 2015, Historical Tables (Washington: Government Printing Office, 2014), Table 4.1. Updated to the final 2014 figure. 2 Calculated from the Office of Management and Budgets Public Budget Database, www.whitehouse.gov/omb/budget/Supplemental. 3 Robert T. Stafford Disaster Relief and Emergency Assistance Act, P.L. Define. 93-288. For a discussion, see Francis X. Marks And Spencer Money. McCarthy, FEMAs Disaster Declaration Process: A Primer, Congressional Research Service, May 18, 2011. 4 James F. Miskel, Disaster Response and define Homeland Security (Redwood City, CA: Stanford University Press, 2008), chap. 3.

5 Henry Hogue and Keith Bea, Federal Emergency Management and Homeland Security Organization: Historical Developments and Legislative Options, Congressional Research Service, June 1, 2006, pp. 45. 6 Rutherford H. Platt, Disasters and Democracy (Washington: Island Press, 1999), p. 1. Money. Platt is Beckett Essay citing research by Peter May. 8 Federal Emergency Management Agency, Publication 1, November 2010, p. 3, www.fema.gov/pdf/about/pub1.pdf. 9 Janet Sharp Hermann, Disaster Relief Then and Now, The Freeman , May 1, 2000. 11 Patrick S. Marks. Roberts, Disasters and the American State: How Politicians, Bureaucrats, and the Public Prepare for the Unexpected (New York: Cambridge University Press, 2013), pp. 2425. Biography On William. And see Judy G. Marks. Russell, A Matter of and Australian Debate,August 20, 2012, www.legalgeneologist.com. 12 Federal Emergency Management Agency, Publication 1, p. 3, www.fema.gov/pdf/about/pub1.pdf.

14 Emily C. Sharbek, The Chicago Fire of 1871: A Bottom-Up Approach to off Disaster Relief, Public Choice 160 (2014): 15580. 16 For a discussion, see Miskel, p. On William Shakespeare. 49. 17 Jennifer K. Elsea and R. Chuck Mason, The Use of Federal Troops for Disaster Assistance: Legal Issues, Congressional Research Service, November 28, 2008. 18 Quoted in Robert Higgs, Why Grover Cleveland Vetoed the Texas Seed Bill, Independent Institute, July 1, 2003. 19 Christoph Strupp, Dealing with Disaster: The San Francisco Earthquake of 1906, German Historical Institute, (Washington), March 22, 2006, p. 8. 20 Morgan ORourke, The Big Shake Up: Revisiting the Great San Francisco Earthquake, Risk Management , April 2006. 21 Douglas Coate, Disaster and Recovery: The Public and Private Sectors in marks money off, the Aftermath of the threat of entry, 1906 Earthquake in San Francisco, Working Paper, Rutgers University, July 2010. 23 Margaret Gurowitz, The Origins of Our Disaster Relief: The San Francisco Earthquake of 1906, Kilmer House, Johnson and money off Johnson, August 20, 2008. 24 ORourke. Generally, the policies covered fire, not earthquakes. 26 Dalit Baranoff, Fire Insurance in the United States, EH.net, March 16, 2008.

27 The Virtual Museum of the City of San Francisco, The Great 1906 Earthquake and Fire, www.sfmuseum.org/1906/06.html. 33 Edward Epstein, The Great Quake: 1906-2006, San Francisco Chronicle , April 18, 2006. 35 The actions of Gen. Frederick Funston were controversial for numerous reasons. First, he acted without checking with his superiors in Washington. Second, he acted to send regular troops into the city for policing purposes. Third, his command of the city was very aggressive, and apparently led to the deaths of numerous people. 36 Christopher Klein, The Superstorm That Flooded America 100 Years Ago, www.history.com, March 25, 2013. 37 Trudy E. Bell, Aid and Ambivalence, 2009, http://trudyebell.com/1913flood.php.

Bell is of the constitution a former editor of Scientific American and her website is devoted to the 1913 disaster. 38 Trudy E. Bell, Our National Calamity: The Great Easter 1913 Flood, December 9, 2012, http://www.trudyebell.com/1913flood.php. 42 Trudy E. Bell, Aid and Ambivalence. 43 Miskel, pp. 8, 9, 41,and 45. 44 Chris Edwards, Cutting the Army Corps of Engineers, Cato Institute, March 2012, www.downsizinggovernment.org/usace. 45 Arthur E. Morgan, Dams and Other Disasters: A Century of the Army Corps of Engineers in Civil Works (Boston: Porter Sargent, 1971), p. 233.

46 Federal Emergency Management Agency, Publication 1, p. Marks. 5. 48 Jim Sam, Herbert Hoover and the Great Mississippi Flood, Behind the Scenes blog, Hoover Institution, May 19, 2011. 49 Platt, pp. 1218. 51 Federal Emergency Management Agency, Publication 1, p. Absurd Beckett. 6. 53 The laws full title is the Robert T. Marks. Stafford Disaster Relief and Emergency Assistance Act of biography 1988, P.L. 93-288.

See Bruce R. Lindsay and Justin Murray, Disaster Relief Funding and Emergency Supplemental Appropriations, Congressional Research Service, April 2011 , p. 4. And see Francis X. McCarthy and Jared T. Brown, Congressional Primer on Responding to Major Disasters and Emergencies, Congressional Research Service, May 2013. 54 Robert T. Stafford Disaster Relief and Emergency Assistance Act of marks and spencer money 1988, P.L. 93-288. For a discussion, see McCarthy. 55 This figure is for 20042011. See Government Accountability Office (GAO), Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdictions Capability to Respond and Recover on Its Own, GAO-12-838, September 2012.

56 Calculated from the Office of Management and Budgets Public Budget Database, www.whitehouse.gov/omb/budget/Supplemental. 57 These figures are for DRF spending 20042011. Theatre Of The And Samuel Beckett Essay. See GAO, Federal Disaster Assistance: Improved Criteria Needed to off Assess a Jurisdictions Capability to Employment Relations Essay Respond and Recover on marks Its Own, GAO-12-838, September 2012, p. 19. 58 GAO, Federal Disaster Assistance,: Improved Criteria Needed to Theatre and Samuel Beckett Assess a Jurisdictions Capability to marks and spencer money Respond and Recover on Its Own, GAO-12-838, September 2012, p. 34. 61 Matt Mayer, New York Times: A Big Storm Requires a Big Government, Heritage Foundation, October 30, 2012. 62 Matt Mayer, States: Stop Subsidizing FEMA Waste and Manage Your Own Local Disasters, Heritage Foundation, September 29, 2009, p. Relations Apprenticeship Essay. 7. 63 President George W. Bush, The Department of Homeland Security, June 2002, www.dhs.gov/xlibrary/assets/book.pdf, pp. And Spencer Money. 1, 7, 16. 64 Budget of the U.S.

Government, Fiscal Year 2014, Historical Tables (Washington: Government Printing Office, 2013), Table 4.1. 65 Jerry Markon, DHS Headquarters Funding in biography on william shakespeare, Jeopardy, Washington Post , July 4, 2014. 66 Chris Edwards, Cutting the Army Corps of Engineers. And see Thomas Birkland and marks and spencer off Sarah Waterman, Is Federalism the Reason for Policy Failure in Hurricane Katrina? Publius: The Journal of and Samuel Essay Federalism 38, no. 4 (2008): 692714. 67 Daniel Hoople, The Budgetary Impact of the Federal Governments Response to Disasters, Congressional Budget Office, September 23, 2013. 68 FEMAs Sandy response is discussed in Steven P. Bucci, et al., After Hurricane Sandy: Time to Learn and marks and spencer off Implement the Lessons in Preparedness, Response, and Employment and Australian Resilience, Heritage Foundation, October 24, 2013. 69 Ibid., p. 10.

About $10 billion of the spending was for the NFIP. 70 James W. Fossett, Lets Stop Improvising Disaster Recovery, Nelson A. Rockefeller Institute of Government, July 2013. 71 McCarthy and Brown, p. 5. 72 Bureau of the and spencer money off, Census, Government Employment and Payroll, www.census.gov/govs/apes. 73 Quoted in Bucci, et al., p. 6. 75 House of Representatives, Select Bipartisan Committee to of the and Samuel Investigate the Preparation for and Response to Katrina, A Failure of Initiative, February 15, 2006, p. And Spencer. 13.

78 FEMA keeps a count at www.fema.gov/disasters/grid/year. I am including major disasters, emergencies, and on william shakespeare fire management assistance declarations. 79 Thomas A. Money. Garrett and suskind Russell S. Sobel, The Political Economy of off FEMA Disaster Payments, Economic Inquiry 41, no. 3 (July 2003): 496509. See also Russell S. Sobel and Peter T. Leeson, Flirting with Disaster: The Inherent Problems with FEMA, Cato Institute Policy Analysis no. 573, July 19, 2006, pp.

89. And see Gene Healy, Obamas Disaster-Prone Presidency, Washington Examiner , July 2, 2012. 80 GAO, Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdictions Capability to Respond and Recover on Its Own, p. Define. 22. 83 GAO, Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdictions Capability to Respond and Recover on Its Own, p. 49. 84 Matt Mayer, States, p. 9. 85 James W. Fossett, A Tale of Two Hurricanes: What Does Katrina Tell Us About Sandy? Nelson A. Rockefeller Institute of Government, January 2013. 86 James W. Marks And Spencer. Fossett, Lets Stop Improvising Disaster Recovery. . 87 GAO, Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdictions Capability to ethical Respond and Recover on Its Own, pp. Off. 16, 20. 89 Bucci, et al., p. 3. 90 Matt Mayer, States, p. 7.

91 These issues are discussed in McCarthy. 92 Quoted in Miskel, p. Weaknesses. 127. 93 Quoted in Platt, p. 58. 94 Quoted in Platt, p. 89. 96 Jeb Bush, Think Locally on marks money Relief, op-ed, Washington Post , September 30, 2005.

97 Quoted in House of Representatives, , p. 322. 98 Matt Mayer, Five Lessons from Hurricane Sandy, November 29, 2012, p. 1. 99 Quoted in ibid., p. On William Shakespeare. 1. 101 Miskel, p. 15. 102 Brad Plumer, Is Sandy the Second-Most Destructive U.S. Hurricane Ever, Washington Post , November 5, 2012. 104 GAO, Disaster Management: Improving the marks money off, Nations Response to Catastrophic Disasters, GAO/RCED-93-186, July 1993, p. 3.

105 Miskel, p. 81. 107 This was a report by the National Academy of Public Administration, which is discussed in perfume, Miskel, p. 87. 108 Quoted in Miskel, p. 85. 109 Miskel, pp. 41, 8385. 112 House of Representatives, p. Marks. 1. 114 Senate Committee on Homeland Security and Government Affairs, Hurricane Katrina: A Nation Still Unprepared, March 1, 2006, chap. 14. 115 Miskel, p. 15.

116 House of Representatives, pp. 1, 11. 120 Miskel, p. 136. 123 Scott Shane, Stumbling Storm-Aid Effort Put Tons of Ice on Trips to Nowhere, New York Times , October 2, 2005. 124 John Cochran, 85M Pounds of Ice Growing Down the Drain, abcnews.com, July 15, 2007. And see Rep.

Bennie G. Thompson and Democratic Staff of the House Committee on Homeland Security, One Year Later: Katrinas Waste, August 28, 2006, p. 14. 125 Abbie Boudreau and Scott Zamost, FEMA Gives Away $85 Million of Supplies for Katrina Victims, CNN.com, June 12, 2008. 126 Rep. Bennie G. Thompson and Democratic Staff of the House Committee on biography shakespeare Homeland Security, p. 3. 127 House of marks and spencer money Representatives, pp.

300302. 128 House of Representatives, p. Threat Of Entry. 299. 129 GAO, Hurricanes Katrina and Rita Disaster Relief, GAO-06-844T, June 114, 2006. And see Brad Heath, Katrina Fraud Swamps System, USA Today , July 6, 2007. 130 Associated Press, Abuse Could Push Katrina Costs to $2 Billion, December 25, 2006. 131 Frank Bass and Eileen Sullivan, Scammers Scooped Up $500M in Katrina Aid, Associated Press, December 4, 2007. 132 Eric Lipton, Breathtaking Waste and Fraud in Hurricane Aid, New York Times , June 27, 2006. 133 House of Representatives, p. 286. 136 Sobel and Leeson. 137 House Select Bipartisan Committee to marks money Investigate the Preparation for and Response to Hurricane Katrina, Rep.

Jefferson questioning of Michael Brown, September 27, 2005. 138 Ann Rodgers, Homeland Security Wont Let Red Cross Deliver Food, Pittsburgh Post-Gazette , September 3, 2005. 139 Scott Shane, After Failures, Government Officials Play Blame Game, New York Times , September 5, 2005. 140 Elizabeth Williamson, Offers of Aid Immediate, but U.S. Approval Delayed for Days, Washington Post , September 7, 2005. 141 Scott Shane, After Failures, Government Officials Play Blame Game. 142 Miskel, Disaster Response and Homeland Security (Stanford: Stanford University Press, 2008), p. 6.

144 Associated Press, Agency Beyond Repair and Must Be Replaced, Republican Chairwomen Says, April 27, 2006. 145 Platt, p. 277. 146 Platt, p. 277. 147 Chris Edwards, Department of Homeland Bureaucracy, Cato Institute, June 12, 2014. 148 Miskel, p. 83. 150 Gregory J. Sanial, The Response to Hurricane Katrina: A Study of the Coast Guards Culture, Organizational Design and Leadership in Crisis, masters degree thesis, Sloan School of Management, Massachusetts Institute of of the and Samuel Beckett Technology, June 2007. 151 Steven Horwitz, Making Hurricane Response More Effective, Mercatus Center, George Mason University, March 2008.

152 Sanial, p. 26. 154 Ibid., pp. 71, 70. 155 Senate Committee on Homeland Security and Government Affairs, p. 10. See also James F. Miskel, Disaster Response and marks and spencer money Homeland Security (Stanford: Stanford University Press, 2008), pp. Biography On William Shakespeare. 40, 96, 97. 156 House of Representatives, p. 343. 157 Ibid., pp.

312, 344. 158 Miskel, p. 25. 159 House of Representatives, p. Marks And Spencer Money. 328. 161 Michael Barbaro and Justin Gillis, Wal-Mart at the Forefront of Hurricane Relief, Washington Post , September 6, 2005, p. Biography Shakespeare. D1. 163 House of Representatives, pp. xi, 2. 164 Bucci, et al., 166 Quoted in ibid., p. 4. 167 Partnership for Public Service, The Best Places to money Work in biography shakespeare, the Federal Government, 2013, www.bestplacestowork.org. 168 Department of Homeland Security, Office of marks and spencer off Inspector General, FEMAs Logistics Supply Chain Management System May Not Be Effective During a Catastrophic Disaster, September 2014, p. 5.

171 Meghan Barr, AP-NORC Poll: Friends, Kin Key to Sandy Survival, Associated Press, June 24, 2013. 173 Department of Homeland Security, DHS Announces Grant Allocation for Fiscal 2013 Preparedness Grants, press release, August 23, 2013. 175 Federal Emergency Management Agency, Grant Programs Directorate Information Bulletin, no. 393, March 10, 2014. And see Federal Emergency Management Agency, Grant Programs Directorate Information Bulletin, no.

394, March 18, 2014. 176 Office of Senator Tom Coburn, Safety at Any Price: Assessing the Impact of Homeland Security Spending in U.S. Cities, December 2012, p. 5. 177 Ibid., pp. 14, 15, 19, 20, 21.

178 Department of Homeland Security, Funding Opportunity Announcement: Homeland Security Grant Program, DHS-14-GPD-067-000-01, 2014. 179 Matt A. Mayer, Homeland Security and Federalism: Protecting America from Outside the Beltway (Santa Barbara, CA: Praeger Security International, 2009), p. Absurd Beckett Essay. 64. 180 Department of Homeland Security, Funding Opportunity Announcement, Appendix A. 181 Coburn, p. 23. 182 Melissa Raines, Hazmat Trailer, Truck to marks and spencer off Be Sold, Mount Vernon News , August 26, 2008. 183 Coburn, p. 26. 184 The Department of Defense has also been giving excess military equipment to local police forces. See Matt Apuzzo, Officer Friendly, In a Tank? War Gear Flows to biography on william Local Police, New York Times , June 9, 2014. 185 Jennifer Levitz, Towns Say No Tanks to Militarized Police, Wall Street Journal , February 7, 2014. 186 Coburn, pp.

4, 3641. 187 Budget of the U.S. Government, FY2015, Appendix (Washington: Government Printing Office, 2014), p. Marks And Spencer Money. 548. For general information, see www.fema.gov/assistance-firefighters-grant. 188 PBS.org, Citizen Ben : Firefighter, 2002, www.pbs.org/benfranklin. 189 Bureau of the Census, State and Local Government Finances, Table 1, www.census.gov/govs/local.

The 2011 total is $42 billion. 190 Sandra Santos, Red Tape Delays Some Stimulus Projects, www.mysanantonio.com, June 29, 2010. 191 Office of Representative Sean Patrick Maloney, Maloney Joins New Newburgh Firefighters at Live Burn, press release, December 20, 2013. 192 FEMA, Congressional Budget Justification, FY2013, Flood Hazard Mapping and Risk Analysis, www.fema.gov/fiscal-year-2013-budget. 193 National Oceanic and Atmospheric Administration, NOAAs State of the Coast, 2012, http://stateofthecoast.noaa.gov/pop100yr/welcome.html. 194 GAO, Flood Insurance: More Information Needed on Subsidized Properties, GAO-13-607, July 2013, p. 4. 195 Rawle O. King, The National Flood Insurance Program: Status and Employment Remaining Issues for Congress, Congressional Research Service, February 6, 2013, p. 3. 197 GAO, Flood Insurance: Opportunities Exist to Improve Oversight of the marks money, WYO Program, GA0-09-455, August 2009, p. 1.

198 Annmarie Geddes Baribeau, The National Flood Insurance Program Is Under Water: Can the Private Sector Help? Contingencies , July/August 2013, p. 30. 199 GAO, National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues, p. 12. 200 GAO, National Flood Insurance Program: Continued Attention Needed to Address Challenges, GAO-13-858T, September 18, 2013, p. 1. 202 For some of the differences between NFIP and private insurance, see Property Casualty Insurers Association of America, True Market-Risk Rates for Flood Insurance, June 2011. And see American Academy of Actuaries, The National Flood Insurance Program: Past, Present, and Future? July 2011. 203 GAO, National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues, p. 5. 205 Property Casualty Insurers Association of America, p. Ethical Subjectivism. 4. 206 GAO, National Flood Insurance Program: Continue Attention Needed to Address Challenges, p. 9.

207 GAO, National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues, p. 7. 210 Quoted in The Week , After Hurricane Sandy: Is Flood Insurance Bad for Taxpayers? editorial, www.theweek.com, December 8, 2012. 211 National Oceanic and Atmospheric Administration. 212 J. Scott Holladay, Flooding the Market, Institute for Policy Integrity, New York University School of Law, April 2010, p. 3. 214 Property Casualty Insurers Association of marks money off America. 215 King, p. 20. And see GAO, National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues, p. Of The Weimar. 8. Repetitive loss properties are those with two or more claims payments of $1,000 or more over 10 years. 216 Thomas Frank, Huge Losses Put the marks money, Federal Flood Insurance Plan in the Red, USA Today , August 26, 2010. 217 John Stossel, Taxpayers Get Soaked by Governments Flood Insurance, abcnews.com, September 20, 2009. 218 Holladay, p. 6.

219 Eli Lehrer, Watery Marauders, Competitive Enterprise Institute, August 2007, p. 8. 221 Ibid., p. xvii. 224 James Bovard, Uncle Sams Flood Machine, The Freeman , January 1, 2006. 225 Platt, pp. 194, 199. 227 Some commentators have suggested that the market failure of Theatre and Samuel Beckett Essay adverse selection is a barrier to private flood insurance.

But adverse selection is money off based on perfume the idea that insurance buyers have hidden information not available to insurance companies. That is not the marks and spencer, case with flood insurance because flood risks are public knowledge. 229 Andrew G. Simpson, Private Flood Insurance Agency Now Selling in 15 States, www.insurancejournal.com, February 10, 2014. 230 Scott E. Harrington, Rethinking Disaster Policy, Cato Institute, Regulation 23, no 1. And see Scott E. Harrington and Tom Miller, Insurance Regulation and Government Insurance, Cato Handbook for Congress, 108th Congress . 231 GAO, Flood Insurance: Strategies for Relations and Australian Apprenticeship Increasing Private Sector Involvement, GAO-14-127, January 22, 2014. 232 Deloitte Center for Financial Services, The Potential for marks and spencer money Flood Insurance Privatization in the U.S., 2014, p. 3. 233 For a discussion, see King. 234 Nedra Pickler, President Obama Signs Flood Insurance Relief Bill, www.insurancejournal.com, March 24, 2014. The 2014 law was the Homeowner Flood Insurance Affordability Act. 235 Mark A. Hofmann, Congress to Consider Privatizing the NFIP, www.businessinsurance.com, January 27, 2013. 237 Office of Rep.

Candice S. Miller, Rep. Miller: Eliminate the National Flood Insurance Program, press release, April 8, 2013. 239 For data on Employment Relations Apprenticeship Essay the seacoasts, see National Oceanic and Atmospheric Administration. This is the population in Special Flood Hazard Areas. 240 Ive argued that most of the functions of the marks money, Corps should be privatized. See Chris Edwards, Cutting the Army Corps of Engineers.

241 Ibid. And see Michael Grunwald, The Threatening Storm, Time , August 2, 2007, and Michael Grunwald, Setting the Stage for More Katrinas, Time , August 2, 2007.