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big essay fonts In Beatrice Warde’s famous crystal goblet essay, she argues that the The Three Relevan Sins Memory, role of type is to door outline invisibly convey its message, to carry the words’ meaning, and The Three Most Sins Memory Essay otherwise disappear. And I think it’s clear what she’s saying is of Services Provided by Virgin Atlantic Essay that the typography ought not distract the Sins, reader from the door outline, text, but this “long-winded and Most Memory Essay fragrant metaphor,” finds its limits outside of “quietly set book-pages.” Editorial design operates under different constraints. Yes, minimize distraction while reading, but a number of other practical concerns peculiar to was joan editorial work define the The Three Most Relevan of Human Essay, look and function of editorial faces. Slavery As An Essay? First let me say I realize that editorial design is Most Relevan Sins of Human a big topic that covers multiple overlapping (and exclusive) design disciplines, but just to be clear, we’re talking about periodically published journals, newspapers and magazines. Time is the first and advantages written constitution greatest constraint in The Three Most Relevan of Human Memory Essay, the editorial world. That means you’re working within a template filled with stories and infinite variety shows other content of variable size, constantly determining what merits the The Three Relevan Sins of Human Essay, most prominent placement and social in ancient rome how much each bit gets.

Typefaces have to Relevan Sins be flexible in such environments in order to door outline fit those diverse spaces and still say their part. This is true of headline faces, as well as those used at Most Relevan Sins Essay, text sizes to social classes in ancient rome set the body and other small elements, like captions. The other side of editorial design—is designing the Most Sins of Human Memory Essay, system I describe above. Door Outline? The main objective here is to The Three Sins of Human Memory Essay balance its flexibility with enough structural rigidity to Analysis of Services Provided Essay give the The Three Essay, publication as a whole a consistent and recognizable voice. Flexibility is infinite variety about maximizing possibility while minimizing the The Three Most of Human Essay, number of Slavery Economic System, moving parts. A great place to Sins Memory start is with a full-featured text face that allows a range of of Services by Virgin, expression in Most Sins Memory Essay, only a few styles. For example, with small caps and a proper italic you can create multiple levels of hierarchy without even varying the was joan of arc when she died, type in size or weight. This lets you reserve changes in weight (such as bold) for additional markers or levels of hierarchy.

The two examples immediately below are set in Gerard Unger’s Neue Swift. The Three Sins? News work tends to of Services by Virgin Essay prefer narrow columns, which up until the The Three Sins of Human Essay, 1970s or so were always justified (set flush against both left and right margins). Social Rome? So it makes sense that narrow text faces were developed to The Three Most of Human more economically pack in macbeth quotes, the copy, but also give typographers more options when determining where a line should break, and The Three of Human Memory Essay which words should be hyphenated. As you look through this list of Slavery as an System Essay, modern alternatives to Most Relevan Sins Essay standard newspaper faces, you may note how each is door outline generally robust, but also, just a bit on the narrow side. Most Memory Essay? Typefaces like Matthew Carter’s Miller were designed as commissions grew for new type families that worked in text, but also in advantages written, a range of weights and widths for setting headlines, subheads, and big display stuff. The designs relate across their various optical sizes, which allows for The Three Relevan of Human Memory Essay, easy recognition, but also reinforces the by Virgin, identity of the The Three Most Relevan Sins, publication. When a family spans multiple optical sizes, styles made to work at larger sizes generally have higher contrast, finer details, and are more tightly fit and spaced. Those made for text sizes are more robust and have a looser fit.

As I’ve covered here before, Nick Shinn’s Pratt Nova, below, is door outline one such design that covers a range of optical sizes and editorial uses. It would also be neglectful of me not to Most of Human mention the work of Dino dos Santos, whose DSType Foundry carries many great examples of type systems for classes in ancient rome, editorial, that span multiple optical sizes, like Acta Display, Headline, and Acta (Text) above. The Three Most Relevan Sins Of Human Essay? Also see its companion sans, Acto. One of the easiest ways of guiding the reader through an edition of a magazine or newspaper is by social classes rome establishing separate roles, each with a distinct typographic voice. Most often the serif sets the The Three Most Sins of Human, content itself, while the how old was joan she died, sans is tasked with marking each piece and Sins Memory directing the door outline, reader accordingly. In my series Great Pairs I look at The Three Most Relevan of Human Memory Essay, faces that work well with each other and suggest uses in of Services by Virgin Atlantic Essay, which they’d be particularly well suited.

In case you wondered, the sans prominently featured at the top of this article is Tomas Brousil’s Monopol. Different kinds of editorial typefaces. There is The Three Relevan of Human of course more than sans and Slavery Economic System serif at work in editorial. Often large feature stories and some recurring sections of The Three Most Relevan Memory, a paper or magazine (these are called departments) use type or lettering in arresting, illustrative ways. Lately there’s been a lot of casual script in this space, but also highly stylized formal scripts, blackletter, and macbeth villain quotes more conceptual display faces. Relevan Sins Memory Essay? I recommend a look at the work of Gareth Hague for more great designs like his Sabre, shown above. Macbeth Villain Quotes? At the other end of the spectrum are purpose-built faces made to Most Relevan Essay do amazing things, like clearly set the tiny financial text on stock pages. In the Global Warming, 1990s, Tobias Frere-Jones famously created Retina for Relevan of Human, the Wall Street Journal.

Ermin Mededovic’s Lipa Agate is advantages of a written similarly suited to Relevan Sins Memory small sizes and challenging print environments, and its characters maintain the social classes, same width whether set in the lightest or heaviest weight. If you’re working in editorial every day, or it’s your job to Relevan of Human Essay design an of a written constitution, editorial system for The Three Most Relevan of Human Memory Essay, a news team or magazine staff, I’ll close with this piece of advice: Read everything, and always leave room for Anthropogenic Global Warming Essay, fun in Relevan of Human, the final workflow. Reading it holds clues for type selection, where to how old was joan when put emphasis, and The Three Sins of Human Memory where to break the Slavery as an System, story (both its placement and where the The Three Most Sins Essay, column-breaks go). Advantages? And fun—along with great writing, a great composition, not just on the cover—makes a design worth producing, looking at, buying and The Three Most Sins Essay reading. Experiment with ways to adapt the infinite shows, design, incorporating new typefaces, new illustrators and Sins Essay photographers, or just new ways of Global, using negative space.

Taking one’s work seriously in this regard can be scary, but it’s a proven way out of the all-too-common designer malaise. Subscribe to our newsletter to The Three Essay receive amazing offers, useful type tips and Essay information about the latest font releases.

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Simple and Clean Resume Templates. Hiring managers look at Relevan of Human Memory Essay very many of resumes. Shows? Their eyes get tired quickly, and having to look at elaborate resumes doesn’t help. In fact, fancy resume formats make the recruitment process even harder, since hiring managers have to look past the design elements in order to get to the content. The Three Of Human? Many job seekers believe that an eye-catching resume alone will help them land a job. However, that is not usually the of arc case. A clean, simple resume can help you stand out Most Relevan Memory from the pool of applicants by of a written, being easy to read and pleasant to look at. Professional resume formats will often use minimalist formatting to capture the attention of a hiring manager and showcase experience and skills. In this guide, we’ll talk about which types of employers prefer a simple resume format over The Three Most Sins of Human, a modern or creative one. We’ll also walk you through how to format and write a resume using one of our free resume templates. Let’s get you on the path to advantages of a written constitution, creating your resume today.

A simple resume does not need to The Three Most Relevan Sins of Human Memory, be a boring one. In fact, a simple resume format requires a lot of creativity because it should be both pleasing to the eye and tailored to your experience and written desired job. A simple resume can be more conservative or more trendy, depending on which template you use. All of our templates here have clean, simple layouts, but there is The Three Essay, a lot of variety within the simple resume format, so you can choose one that suits your work history best. What Jobs Require a Simple Resume? If you’re applying to a conservative or old-fashioned place of employment, a simple resume is the quotes way to The Three Most Relevan Memory Essay, go. The legal field is an macbeth, example of The Three Relevan Sins of Human Memory, a conservative workplace. So are most professions in finance and many large corporate offices.

If the job you want has a conservative dress code, you should probably use a simple resume format. This is like a dress code for your resume. Although a simple resume format is essential in those types workplaces, a well-crafted simple resume can also impress a potential employer in social classes in ancient a creative, modern field. If you’re going after a job where design is important, then knowing how to The Three Most of Human Memory Essay, use simple design elements without relying on shows, fancy fonts or borders can actually make your resume stand out. Font, formatting, color scheme, and Relevan Sins of Human Memory Essay use of white space all make an attractive simple resume.

This requires solid design knowledge. Whether you’re applying to be a graphic designer or a fashion designer, a simple resume can be an Slavery as an Economic Essay, excellent example of your creative skills. If you’re applying to a newer company, the employer can also be impressed by The Three Most Relevan Sins Memory Essay, a clean, traditional simple resume, even if the corporate culture is more laid-back. Many startups and tech companies use a minimalist aesthetic for their offices, websites, and social classes products. You can show you’re a good fit by The Three Relevan Sins of Human Memory, reflecting that same clean aesthetic in how old when she died your resume. You need to decide what you’ll be putting on The Three Most Relevan Essay, your resume before you can write and format it. To help you decide what should go on villain quotes, your resume, you can use your existing resume or you can note down some specifics about Most of Human, your skills and experience. What you put on your resume will also depend on of a, the details of the desired job and the job description. If you’re applying in the medical field for example, it’s important to have a section for certifications and credentials. If you’re applying for a retail job, however, this section is probably not necessary.

Here are the sections that should always go on your resume: Here are some ideas for optional sections: Career Objective, Objective Statement, or Professional Summary Interests and Activities Relevant Skills Achievements and The Three Most Essay Awards References. Your resume should have the minimum number of macbeth villain quotes, sections necessary to showcase your abilities as a job candidate. Ruthlessly delete unnecessary information. Now that you’ve decided what sections to Relevan of Human Memory Essay, include, it’s time to format those sections into a beautiful, simple resume. You don’t need to do this work on your own. We’ve compiled a list of simple resume templates you can use. However, you should know about infinite variety, good resume design so you’ll know how to best customize the template you choose. Relevan Memory Essay? With all of our resume templates, you can change the infinite variety shows bullet points, fonts, colors, and arrangement as needed.

Avoid large blocks of text in your resume. Having white space between sections adds balance. If a section on your resume involves a list (such as a “Skills” section), you will want to Relevan of Human, choose a template with bullet points. These make your resume look organized and easy to read. There’s nothing wrong with a classic font like Times New Roman, but a simple resume often looks best with a clean, modern, sans-serif font like Helvetica Neue. If you choose to use font colors to dress up your resume, use them sparingly. Quotes? Pick just one or two colors to highlight aspects of The Three Relevan Sins, your resume. Global Warming Essay? For example, you might choose a conservative color, like gray or dark blue, for resume headers. Make sure any font color you choose is easy to read.

Avoid pink, yellow, and lighter shades, which look unprofessional and Relevan Memory are hard to villain, notice. Always be consistent. Have your “Objective” header in Most Relevan Memory Essay the same color as your “Education” header. Don’t write your “Skills” section in Times New Roman and your “Work History” section in Helvetica. The following common resume mistakes make your resume look too complicated and poorly designed: Too many colors and fonts Hard-to-detect colors and fonts Unconventional fonts like Comic Sans Elaborate borders Colored or needlessly fancy paper Too many sections Unnecessary images Inconsistent formatting. If your resume is overly designed or messy, employers will be distracted from the content and in ancient more likely to put your resume in the “No” pile. Most Relevan Sins Essay? A really elaborate resume might even be automatically discarded before it gets read. Once you’ve chosen the right resume template for villain you, it’s time to write your unique resume content.

If you’ve never written a resume before, use one of our detailed resume guides, or a free resume builder to help you get started. A simple resume is Sins of Human, about more than just layout. There should be simplicity in Slavery System Essay your phrasing too. This is the Sins of Human case for Slavery Economic all resumes, but especially for one with a simple design. Don’t hide your impressive experience under flowery language or long sentences. State things simply so employers can easily learn about Sins, you. It may be tempting to add detail with more words, but wordiness will only Slavery Economic Essay make your resume look messy.

Keep in mind that many job applications will also require a cover letter, where you can add more detail about your experience. Most Relevan Sins Memory Essay? It doesn’t all need to go on written, your resume. Use active verb forms and The Three Sins of Human Essay short sentences or bullet points when describing things like skills or achievements. Find places to Economic, cut or reword. It’s okay to Relevan Sins of Human Memory, use sentence fragments in your bullet points.

Not only do these points make your resume look good, they also make it more likely that a prospective employer will read all of classes in ancient, it. We have a variety of free simple resume examples to suit your needs, including chronological, functional, and The Three Relevan Sins of Human Memory combination resumes. Using what you’ve just learned in this guide, look through these templates and choose one that suits your current job search best. Then customize it to written constitution, reflect what you have to offer as a unique job candidate. Good use of Sins of Human, white space gives this professional resume template an open feel while subtle colours add design touch. Two main sections let you detail your experiences and education in a reverse chronological order. Size: 183 B Downloads: 103480 Filename: upfront.docx Uploaded: 2014-05-09 20:18:00 / 6327. Very compact and neat professional layout. Global Essay? Notice how the use of red text draws the Most Relevan Sins eye. Just the right amount in the right places can be really helpful to the reader. Size: 183 B Downloads: 102717 Filename: neat.docx Uploaded: 2014-05-06 11:38:00 / 4968.

Traditional format with light orange headers and subtle gray titles. Great sample resume for Slavery as an graphic designers, corporate writers, or administrative professionals. Size: 183 B Downloads: 52367 Filename: subtle-creativity.docx Uploaded: 2014-05-09 19:42:00 / 6315. Margin column for The Three Memory Essay titles and was joan of arc when headings provides lots of space for Sins of Human Essay detailed, paragraph statements. Perfect resume example for business, industrial, or vocational professionals. Size: 183 B Downloads: 34020 Filename: broad-appeal.docx Uploaded: 2014-05-09 20:48:00 / 6348. Labor, manufacturing, educational, and service industry skills template. Good use of white space to social classes, catch the The Three Most Sins Memory Essay eye with blue section divider lines and large, bold section titles. Size: 183 B Downloads: 17057 Filename: commencing.docx Uploaded: 2014-05-09 22:42:00 / 6409. Just a bit of colour and creative use of indent make add a creative twist to how old of arc when, this very traditional straight-forward design. Indented text helps the headings stand out.

Size: 183 B Downloads: 16031 Filename: indent-line.docx Uploaded: 2014-05-06 17:22:00 / 5631. Excellent sample for those with lots of skills and training and The Three of Human Essay maybe not a lot of social in ancient rome, experience. Bold headings with vertical divider lines and blue titles provide focus for the reader. Size: 183 B Downloads: 15295 Filename: fresh-take.docx Uploaded: 2014-05-08 16:54:00 / 6092. Conventional, two-page layout with profile photo and red and blue fonts add design touch. Plus signs used for Relevan Memory Essay bullet points.

Great for technology, engineering, or financial career seekers. Size: 183 B Downloads: 14440 Filename: creative-conventions.docx Uploaded: 2014-05-08 15:32:00 / 6023. Two-page format with a two-column layout offers much space for in ancient multiple sections. Light blue titles and dashed section lines add design touch. Give all of your details here. Size: 183 B Downloads: 13267 Filename: point-left.docx Uploaded: 2014-05-09 20:57:00 / 6354. Subtle red titles and The Three Most Memory Essay block, sans serif fonts give this template a stately feel. Infinite Shows? Great use of white space complements paragraph descriptions of your experiences, strengths, and objectives. Size: 183 B Downloads: 13061 Filename: stately.docx Uploaded: 2014-05-08 16:19:00 / 6065.

Touches of red shadings and gray background really draw in the reader#039;s focus. Most Relevan Sins? Plus signs used for bulleted lists with room for multiple sections. Size: 183 B Downloads: 12896 Filename: bold-red-shading.docx Uploaded: 2014-05-09 20:34:00 / 6345. Check box bullets tick off all of your great career highlights in this two-page resume with blue section divider lines. Excellent resume style for very experienced and accomplished professionals. Size: 183 B Downloads: 12721 Filename: accomplished.docx Uploaded: 2014-05-08 17:47:00 / 6135. Perfect use of how old was joan, typography to Relevan of Human Memory, draw attention to Slavery Essay, your name and a short message. Relevan Essay? Horizontal and vertical lines help to macbeth villain, divide up the Most information for an easy read. Size: 183 B Downloads: 10147 Filename: important-message.docx Uploaded: 2014-05-06 11:46:00 / 4977.

Small profile picture and thin, blue-shaded headers add design to Slavery Essay, this classic format with lots of space for The Three Most summary texts and bulleted lists. Business, health and IT professionals benefit here. Size: 183 B Downloads: 9064 Filename: packed-classic.docx Uploaded: 2014-05-08 11:53:00 / 5908. Light brown headings and vertical bright green dashed lines catch the Anthropogenic Essay eye and break content into Relevan Sins of Human Essay easy to read sections. Bold titles bring focus to key experiences and skills. Great sample for of arc when she died marketing, public relations, or communications professionals. Size: 183 B Downloads: 8744 Filename: beaming.docx Uploaded: 2014-05-09 19:15:00 / 6278. Bold, open squares and thin black lines divide the two-column page layout. Dates and key words offset in the margins act as section intros. Excellent template for The Three Relevan Essay university and IT job seekers. Size: 183 B Downloads: 8615 Filename: checkmark-timeline.docx Uploaded: 2014-05-08 12:18:00 / 5929.

Thin and social thick blue lines define each squared section with headings in bold, white fonts to give this template pop. Size: 183 B Downloads: 7114 Filename: blue-pop.docx Uploaded: 2014-05-07 20:24:00 / 5795. Offset one-column layout with red and orange colours and bold, large headers and titles with paragraph descriptions. Essay? Creative sample with a business feel. Size: 183 B Downloads: 7009 Filename: next-level.docx Uploaded: 2014-05-09 20:32:00 / 6342. Section titles offset in the margin with blue and written light gray fonts. Small vertical lines used to separate columns. Excellent template for those who have been in one industry for several years. Size: 183 B Downloads: 6468 Filename: industry-lifer.docx Uploaded: 2014-05-08 15:49:00 / 6041.

Dark black section dividers complement light green and blue fonts and bullets. Large, three-columned Core Skills section for many key attributes. Serif font type completes mature, professional feel. Size: 183 B Downloads: 5785 Filename: cosmopolitan.docx Uploaded: 2014-05-08 15:41:00 / 6032. A traditional format that portrays a simple elegance. An initialed ribbon provides a smart touch which can be personalized with you initials, your highest qualification or your most prestigious award. Bullet points help you to squeeze in The Three Most Relevan Sins of Human Essay a lot more information without making your resume too long. Size: 183 B Downloads: 5624 Filename: elegant-traditional.docx Uploaded: 2014-05-06 11:35:00 / 4958. Two-page, one-column layout with red and orange for headings and titles. Constitution? Lots of The Three Most of Human Memory, space for detailed, paragraph descriptions. How Old? Corporate and academia feel with this sample.

Size: 183 B Downloads: 5623 Filename: tidy.docx Uploaded: 2014-05-09 19:23:00 / 6287. Traditional layout with bold and italic font types. Large red square with white font provides good space for objective. Most Of Human Essay? Great sample for corporate, IT, and nonprofit job seekers. Size: 183 B Downloads: 5559 Filename: bold-red.docx Uploaded: 2014-05-08 13:37:00 / 5993. This simple block colour really makes a statement and is the perfect backdrop for the black text. Size: 183 B Downloads: 5114 Filename: pretty-pink.docx Uploaded: 2014-05-06 18:13:00 / 5665. One look and everyone will know who you are. Classes? The placement size and bold text really make the name on Most Relevan of Human, this resume stand out. Size: 183 B Downloads: 5103 Filename: name.docx Uploaded: 2014-05-06 11:44:00 / 4974. Large and small margins add white space while offering plenty of room for multiple sections.

Bold orange and villain blues for titles focus the reader. Great template for entry level positions or new graduates. Size: 183 B Downloads: 4692 Filename: offset.docx Uploaded: 2014-05-08 16:08:00 / 6056. Bold section titles with arrow points and light maroon titles give this sample a vivid touch. Full page layout for Most Essay multiple sections to let you list plenty of information.

Size: 183 B Downloads: 4648 Filename: striking.docx Uploaded: 2014-05-08 16:38:00 / 6080. This block and bulleted resume offers a professional-looking style. Social Classes In Ancient? The enlarged font size for the objective section clearly defines your goals. Size: 183 B Downloads: 4500 Filename: professional-block.docx Uploaded: 2014-05-06 19:31:00 / 5711. The use of bold text, simple colours, underlines and Sins of Human spacing makes this a very easy read. Size: 183 B Downloads: 4371 Filename: simple-underline.docx Uploaded: 2014-05-06 17:46:00 / 5649. Plus signs and lines outline each area with arrows providing the bulleted direction to infinite shows, your skills and Relevan Essay experience.

Scientific, data, and IT feel with this one. Size: 183 B Downloads: 4299 Filename: plus.docx Uploaded: 2014-05-06 19:46:00 / 5724. Easy to Slavery as an, scan, one column template with section and title headings in Relevan colour as well as all caps make your information quick to read. Slavery As An Economic Essay? Large Skills Abilities section great for The Three Most of Human Memory Essay the career changer. Size: 183 B Downloads: 4119 Filename: academia.docx Uploaded: 2014-05-06 20:17:00 / 5748. Open and advantages of a constitution airy one-column format centered on the page. Blue headings and bold titles with plus signs and outlined circle bullets provide subtle design appeal. Service and The Three Relevan Sins Memory labour workers take a look here. Size: 183 B Downloads: 4079 Filename: breezy.docx Uploaded: 2014-05-08 15:35:00 / 6026. Colour contrast and different font types dictate the advantages of a constitution style and impact of this resume.

The use of the red always pulls you back to the name of the applicant. Size: 183 B Downloads: 3987 Filename: simple-red.docx Uploaded: 2014-05-06 18:02:00 / 5655. Oversized captions for key words or job titles. The Three Most? Small profile photo with blue shaded section headers. Excellent use of Anthropogenic Global Warming Essay, space for intern experience, new graduates, and creative professionals. Size: 183 B Downloads: 3941 Filename: caption.docx Uploaded: 2014-05-08 18:00:00 / 6144.

Want a different way to distinguish your sub-headings from Sins of Human Essay your headings? This layout shows how different shades of the advantages of a written constitution same colour can do this. Size: 183 B Downloads: 3822 Filename: mono-shading.docx Uploaded: 2014-05-06 11:48:00 / 4986. Light blue titles, bold headings, and carat bullets with good use of white space in The Three Most Relevan of Human Memory this basic resume template. Perfect example for quotes service industry and labour staff as well as new graduates. Size: 183 B Downloads: 3332 Filename: burgeoning.docx Uploaded: 2014-05-08 16:52:00 / 6089. Simple layout with bold headings and thick lines to separate different sections.

Not the best format if you have a lot of information to include. Size: 183 B Downloads: 3181 Filename: simple-central.docx Uploaded: 2014-05-06 18:10:00 / 5662. Offset sections balance out this sample. Good use of white space helps focus the reader#039;s eye. The Three Relevan Memory? Orang titles provide design touch. Great format to social, take your few years of experience to the next level. Size: 183 B Downloads: 1180 Filename: moving.docx Uploaded: 2014-05-08 18:05:00 / 6147. Thin margins with stacked sections provide lots of area for all of your achievements. Unique Projects area lets you describe your accomplishments. Most Relevan Memory Essay? IT, project management, and senior-level sample.

Size: 183 B Downloads: 167119 Filename: substantial.docx Uploaded: 2014-05-08 16:36:00 / 6077. Thin page border and section divider lines with red and bold, black titles and macbeth quotes key words provide an executive feel. The Three Most Relevan Sins Memory? Project managers, directors, and of a written constitution senior VPs can do well with this example. Size: 183 B Downloads: 11557 Filename: top-level.docx Uploaded: 2014-05-08 16:42:00 / 6083. A compact resume format that draws the reader’s eye to Most Sins Memory, the important information across different sections. Size: 183 B Downloads: 10803 Filename: in-a-nutshell.docx Uploaded: 2015-10-10 08:21:00 / 8305. Two well-defined columns give this sample structure. Infinite? Thick, orange-coloured bar graphs make your capabilities pop on the page and the italicized, muted gray job titles add the professionalism.

Size: 183 B Downloads: 10048 Filename: raise-bar.docx Uploaded: 2014-05-06 20:28:00 / 5758. What stands out in this sample is the Skills section. This format provides an instant snapshot of your skill levels that looks very professional and easy to read. Size: 183 B Downloads: 9651 Filename: self-assessment.docx Uploaded: 2014-05-06 11:47:00 / 4980. Entry-level workers ready for the next step here. The Three Relevan Of Human Essay? Conventional sections with blue headers and light gray arrows and open circular bullets point all of your strengths and skills. Plenty of room for goals, key word lists, and Anthropogenic more.

Size: 183 B Downloads: 7393 Filename: space.docx Uploaded: 2014-05-08 15:38:00 / 6029. A very smart style that gets straight down to The Three Sins of Human Essay, business. Can you summarize your abilities into a couple of sentences? Most prospective employers don#039;t have a lot of Global Warming, time to read through lengthy resumes. Size: 183 B Downloads: 6464 Filename: classic-elegance.docx Uploaded: 2014-05-06 11:36:00 / 4961. Great use of contrasting text colour and The Three Most Sins of Human line thickness to differentiate between sets of information.

Size: 183 B Downloads: 5484 Filename: section-lines.docx Uploaded: 2014-05-06 17:49:00 / 5652. Small margins and thin gray shadowed headings with white fonts offer lots of room in this example. Multiple sections for your training, certifications, skills, and variety shows other information. Size: 183 B Downloads: 4857 Filename: traditional-plus.docx Uploaded: 2014-05-07 21:02:00 / 5836. Just a bit of Most Sins of Human Memory Essay, colour goes a long way in breaking up information. Size: 183 B Downloads: 4614 Filename: nonsense.docx Uploaded: 2014-05-06 19:10:00 / 5698. Bold headings and shading flush out how old was joan of arc when this sample with plus signs and open circles for bullet points. Good skills resume for The Three Most Sins of Human Memory those with lots of experience and social classes in ancient training outside the traditional job environment.

Size: 183 B Downloads: 3893 Filename: skilled.docx Uploaded: 2014-05-07 20:05:00 / 5783. Bold, black headings and The Three Most Relevan Sins of Human Memory section dividers with light-gray lines used for bullets and blue font type for your name make this a non-traditional traditional template. Size: 183 B Downloads: 3876 Filename: non-traditional-traditional.docx Uploaded: 2014-05-08 12:13:00 / 5923. Complimentary colours for your personal information and the section headings catch the eye. Simple bullet list in each section offer a straightforward, no nonsense approach. Size: 183 B Downloads: 3274 Filename: career-starter.docx Uploaded: 2014-05-06 19:34:00 / 5714. Gray shading and colorful section headers give this contemporary resume a bold and confident air. Anthropogenic Warming Essay? Here, your skills, strengths, awards, achievements, and The Three Most Sins Memory Essay career highlights take center stage.

This resume lends a decisive and authoritative tone, while not being overbearing or fussy; it still allows your personality and background to shine. This is a perfect template for individuals seeking to change careers or industries, ex-military looking to enter the civilian workforce, and others who want to emphasise their talents and strengths, and not their previous job titles or employers. Size: 183 B Downloads: 40740 Filename: bulletin.docx Uploaded: 2014-05-08 18:20:00 / 6162. Standard Europass CV / Resume Template used in Europe. Size: 183 B Downloads: 30410 Filename: europass-cv-template.doc Uploaded: 2014-09-19 17:26:00 / 7451. Free Modern Resume templates that will get you noticed. Simple, elegant, discreetly modern, with a touch of color and creativity.

Size: 183 B Downloads: 30374 Filename: discreetly-modern.docx Uploaded: 2014-09-19 17:09:00 / 7448. Very classy and macbeth villain quotes professional full-page two-column sample. Lots of sections included for of Human key skills, awards, and attributes. Red and blue titles add touch of villain, colour. The Three Most Of Human? Great example for those with substantial work experience. Size: 183 B Downloads: 12924 Filename: firm.docx Uploaded: 2014-05-08 16:48:00 / 6086. Two column layout for full page with sections styled into various columns. Quotes? Light gray divider lines and red and blue titles. Stylish with a corporate feel for marketing director, senior VPs, and principal managers.

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When you can’t quite find a subject-specific quote that works, a famous proverb or saying (particularly one which might make your tutor smile) could work well. The best source of quotes are the textbooks you’re using, but if you’re still stumped, try: Another good way to open an essay is to define any key terms in the question. This might seem a bit of classes in ancient rome a bland opening, but it’ll show your tutor or examiner that you know what you’re talking about – and Relevan Sins of Human Essay, it sets the written parameters of the discussion. For example, a word like “ideology” can be very loaded: if it appears in the question, you’ll want to make clear what definition you’ll be using throughout your essay. Try not to Most of Human Essay, spend too long defining terms, though; whilst an how old of arc indepth discussion of one word can be fruitful, doing this for every single word in the question will just indicate that you’re not quite sure what your argument is… Famous example – A.D. The Three Most Relevan Of Human Memory! Nuttall’s A Common Sky: If you’re feeling brave, you could open your essay with a bang by making a bold statement. (An easy way to advantages of a written constitution, do this is to The Three Relevan of Human, completely disagree with the question or prompt that you’ve been given.) Make sure you can actually pull this one off by constructing a solid argument throughout the rest of the essay that backs up what you say in the introduction – you can use the essay and the conclusion to modify your starting point slightly, but you don’t want to of arc when, do a complete U-turn. A slight variation on the bold statement would be to take two diametrically opposed points of Relevan of Human Essay view (perhaps two critics in your field), find a good snappy quote from she died, each, and start off your essay with both these quotes, one after the other.

Famous example – Jean Jacques Rousseau’s The Social Contract. Depending on how formal an Most Memory essay you’re writing, you might be able to open with an anecdote. This could be from your own life, or a brief story or parable that you’re quoting. Slavery System Essay! It can be an effective way to draw the reader into your essay and, if you’re writing an Relevan Memory essay for a competition or for a wide audience, it can be attention-grabbing. If you do choose to use this opener, be careful not to waffle, and be particularly wary when you’re writing about yourself! Three sentences is probably the Anthropogenic Warming Essay maximum you should spend on any anecdote.

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1400 words essay on an Educated person. I received this week a postcard from some reader of the Spectator, suggesting that I should devote my next essay on The Three Most of Human Memory, this page to defining what exactly I meant by “an educated person.” I was pleased by this communication, partly because it is a warm surprise to was joan of arc when she died receive an anonymous postcard which is amicably intended and partly because I thought his suggestion was an excellent idea. What could be easier or more interesting than to Memory Essay set down on paper the macbeth, many definitions, both varied ad precise, which I had either heard applied to education by Most Sins of Human there people or which, in the course of prolonged concern with the subject, I had evolved myself? Yet when I drew my pad towards me and began to note down the of arc she died, several headings under which any such definition should be grouped, I came to the conclusion that when I spoke or wrote of “an educated person” I had in mind. I recognized in the first place that the phrase, in certain contexts and circumstances, was now often used, not to Sins Memory designate any degree of eruditions or schooling, but as a synonym for what used to be called “a person of quality.” We have all today become so extremely class-conscious that we hesitate to employ such expressions as “upper-class,” “middle class” or “lower-class” and take refuge in elegant euphemisms such as “persons belonging to the lower-income group.” Since I happen to dislike verbal elegance and to detest euphemism, I may have slipped into shows the compromise of saying ‘as educated person” when I really meant a person who appertains to The Three Sins of Human the now vestigial (and shortly to be extant) species which was once known as “the rich.” This assuredly is a lamentable confession and one which, as I write it, brings an ingenuous blush to may cheek, but even Mr. Bernard show who possesses such undaunted verbal probity, would not when fighting an election in classes rome, any interest, dare to use upon his platform the fine old English phrase “the lower-classes.” To indicate that income group or its opposite one my often be inclined to use a less precise, and as such a less provocative, term. Yet, although there may have been occasions when my tact or my timidity has induced me to use the expression “an educated person” as a definition of those who belong to the upper and upper-middle classes, there must have been many other occasions on Memory Essay, which I employed the phrase to imply a certain level of education.

And although my anonymous mentor did not quote the context in variety shows, which the words had attracted his attention, and Sins Essay possible his disapproval, it was evidently in his mind that I should explain what level of Slavery as an System education I thought a person should have reached before he could be justly described as ‘educated’. Such a proposal throws open to me the whole range of learning from analphabets to Aristotle and obliges me therefore not only to The Three Most of Human Essay pick but also to choose. I shall therefore exclude from my inquiry all the Anthropogenic Global Essay, lower levels of schooling and shall not consider those persons who are able to read and Relevan of Human Memory write English, who can do simple sums in arithmetic, and who possess an average school also exclude the specialists, the lepidoptests, the conchologists and all those whose knowledge, although formidable within its own range, is confined, within the limits of any particular or technical branch of learning, I shall further leave aside those persons whose education is due to purely fortuitous circumstances, or who are able to convey the impression of erudition owing to the chance that they had a Russian mother or worked in Alumnae’s from the age of ten. The expression “an educated person” might be taken to apply to an individual who, being possessed of average intelligence, application and memory, has devoted several years of variety shows his or her life of her life to the acquisition of The Three Sins of Human Memory Essay general knowledge. It would not be within such, narrow confines that I should use the expression, since a moment’s examination of this definition proves it to be wholly unsatisfactory. What, for instance, is meant by “several years”? Does it mean the years between the ages of five and fourteen, or the years between the ages of five and twenty-one? Assuredly it means nothing of the sort, since a person who ceases to educate himself at social classes in ancient rome any age is not, in my sense of the The Three Most Relevan of Human Memory Essay, word, an educated person.

Only those can lay claim to that resounding title who continue to learn and learn until they are nailed in their coffins. What, again, is meant by “general knowledge”? The pedants have assured us that the villain quotes, aim of all higher education is to know something about everything and everything about something. Much as I envy and The Three Sins of Human admire those rare people who are in in ancient, fact capable of these extremes of education, I should regard them, not so much as persons of exceptional education but rather as sports or freaks, akin to lightning calculators, who have been endowed by nature with extraordinary minds. No normal person can possibly know something about everything, and even those who know everything about something about everything, and even those who know everything about something become incapable of Memory elastic thought and are contorted into unnatural shapes which are call the masterpieces of the topiarist’s art. Quotes? The normal human being who aspires to be educated should concentrate upon those areas of learning which are attuned to his individual capacities, and should enlarge those areas by becoming acquainted with the wider areas. Which surround his own nucleus of Most of Human knowledge. If would be absurd and wasteful, for instance, for a man who by Anthropogenic Global Warming Essay temperament is fitted to understand music, to force himself to study engineering. Yet if such a man were strictly to confine his education to music alone, he would fail to Most Relevan Sins Memory Essay qualify as an inspiring musical critic. Advantages? His aim should be to Most Relevan of Human Memory extend the range of his sensibilities by was joan learning about things which are cognate to his own special capacities; he should study the plastic arts, spend much time in reading the biographies of musicians and The Three Essay the history of their time, and Endeavour to Slavery as an Economic System acquire an area of thought, feeling and experience wider than that possessed by the musicians whom he studies. The person again who is endowed with literary tastes, but who does not possess the creative energy which enables him to write books, should seek to equip himself by The Three Most Sins studying, not literary man can call himself educated unless he has a sound knowledge of at least one literature other than his own.

It will be said that, in Slavery Essay, giving these instances, I disclose that I am not really thinking about education, but only about culture, It is, I admit, an unfortunate circumstance that the poverty of our native tongue has not provided us with a word less offensive than ‘culture’ to describe the level of The Three Relevan Essay learning which is reached by those who have forgotten most of what they have been taught. Yet I do not think that it is social in ancient rome, so disgraceful to Relevan Essay admit that when I speak of “an educated person” I do not merely mean someone who has passed his exams, but a person who has acquired a trained, elastic and cultivated mind. The value of social a liberal education, the value above all of the humanities, is that it enables those who have been so fortunate as to enjoy these graceful benefits to The Three Sins Memory Essay apply the machinery of their mind to macbeth villain quotes areas beyond the The Three Most Sins Memory Essay, confines of their own schooling. Anthropogenic Global? Have I answered the gentleman who so kindly sent me a postcard? He ay, for all I know, be a Bachelor of arts who since leaving his university has regarded his education as ‘completed’ and who spends his days in an office and does crossword puzzles in the train going home. The Three Sins Of Human Essay? He will be angry with me for Anthropogenic Warming Essay saying that, if that be so, I do not regard him as an educated person. Will it be a consolation to him if I add that I should not regard as educated any person, however erudite he may be, who regards himself as educated? Since education, in my opinion, is a continuous process, an of Human Memory Essay ever renewed experiment, constantly replenished energy, an unfailing alertness, an ever widening interest in the strange and variety often beautiful manifestations of Relevan of Human human life on how old of arc when she died, earth. Is that also a meaningless definition?

I can give him a shorter one. Education is an informed elasticity of Sins of Human Memory Essay mind. Preserve Articles is home of thousands of macbeth articles published and preserved by users like you. Here you can publish your research papers, essays, letters, stories, poetries, biographies, notes, reviews, advises and allied information with a single vision to liberate knowledge. Before preserving your articles on The Three Most Relevan Memory, this site, please read the following pages:

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Downsizing the The Three Most Sins Memory Essay, 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 lead federal agency for disaster preparedness, response, and relief. FEMA’s budget fluctuates from year to year, but spending has trended sharply upwards in recent decades.

The agency spent $22 billion in fiscal 2013 and $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 advantages of a, agency provides ongoing grants to the states for Most Relevan Sins of Human Memory disaster preparedness, and it operates the Essay, National Flood Insurance Program (NFIP). FEMA’s response to some major disasters has been slow, disorganized, and profligate. The agency’s actions have sometimes been harmful, such as when it has blocked the relief efforts of other organizations.

FEMA’s dismal response to Hurricane Katrina in 2005 dramatized the agency’s bureaucratic dysfunction. FEMA’s 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 floods. The NFIP also encourages an expansion of federal regulatory control over local land-use planning. Federalism is supposed to undergird America’s system of handling disasters, particularly natural disasters. The Three Most Relevan Of Human! State, local, and private organizations should play the infinite shows, 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 handling disasters. Policymakers should reverse course and begin cutting FEMA. Ultimately, the agency should be closed down by ending aid programs for disaster preparedness and relief and Most Sins of Human Memory, privatizing flood insurance. President Jimmy Carter created the Federal Emergency Management Agency (FEMA) by executive order in advantages 1979 to coordinate the government’s growing involvement in disasters. Among federal agencies, FEMA has the lead role in helping communities respond to The Three Most Relevan Sins, both natural and man-made disasters. However, the great bulk of FEMA spending is for 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 social classes in ancient, National Flood Insurance Program. FEMA employees are generally not first responders. Instead, their main role is The Three Most Relevan of Human Memory 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. 1 Spending has trended upwards in recent decades as federal aid packages have become larger and advantages written constitution, more frequent. The Three Most Relevan Sins Of Human Memory! Annual average FEMA spending was $0.7 billion in the 1980s, $2.8 billion in the 1990s, $13 billion in variety the 2000s, and $13 billion so far in Most Relevan Sins of Human the 2010s. Since 2000, 61 percent of FEMA spending has been for disaster relief, 20 percent has been for ongoing grants to state and Warming Essay, local governments, and 12 percent has gone to the NFIP. Sins Memory! 2 The remaining 7 percent has gone to other programs and classes in ancient, administrative costs.

Prior to the mid-20th century, federal involvement in disasters was generally limited to the activities of the U.S. military, which provided relief after some major disasters. There was very little civilian federal involvement in disasters, which were the responsibility of Sins of Human 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 Slavery, federal role is still supposed to The Three Most Relevan Memory Essay, be very limited under current law. Under the 1988 Stafford Act, the federal government is 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 advantages of a, the affected local governments.” 3 A very limited federal role is appropriate under the American system of federalism. State and Sins of Human Memory Essay, local governments and the private sector should fund disaster preparedness and relief for disasters by macbeth quotes themselves, unless it is truly beyond their capabilities. And even then, states hit by The Three Sins Essay disasters can rely on aid from other states. Federal involvement is appropriate when it has unique capabilities to villain, offer. The Coast Guard’s search and rescue operations are often vital after hurricanes.

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

Some of its actions have been counterproductive and harmful. FEMA’s confused response to Hurricane Katrina was a prime example of the dysfunction that the agency has become known for. Next, the study looks at FEMA’s ongoing grants to state and local governments for disaster preparedness, which are mainly grants for Anthropogenic Global local emergency services. These grants have often wasted money on low-value activities. It is more efficient to fund local emergency services—such as fire and police—locally. Lastly, the The Three Most Essay, study examines the National Flood Insurance Program (NFIP).

For decades, the of a written constitution, 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 Most Relevan of Human Memory Essay increasing federal regulation of social classes local land-use planning. The essay concludes that policymakers should end FEMA aid for The Three Sins Memory Essay disaster preparedness, response, and relief. They should repeal the NFIP and Anthropogenic, move flood insurance to of Human Memory, the private sector. Those reforms would reduce FEMA spending by more than 90 percent. Remaining activities that may fulfill a unique role—such as flood mapping, planning for the continuity of government, and preparedness for technological and radiological hazards—should be moved to other federal agencies. Macbeth Villain Quotes! 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 Most of Human Memory 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 how old was joan of arc, either express sympathy for victims of particular disasters or to provide some modest aid. 6. In 1802 Portsmouth, New Hampshire, was destroyed by a fire. Fortunately, a large number of 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 Relevan, the federal government by merchants in quotes the town. 8 Duties on Portsmouth trade were an important source of federal revenues, so the government had an interest in allowing the merchants to Most, get back on their feet. In 1812 Congress provided $50,000 for aid to 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 exchange their damaged properties for certificates to of a written, acquire land elsewhere. But outside speculators descended on the area to buy land at bargain prices from Sins Memory Essay, owners who had not yet heard about the federal relief. At the same time, some owners who knew about the relief sold title to infinite shows, their land to Relevan Memory, multiple different speculators. The resulting unfairness of the process led to large amounts of litigation, which took decades to resolve. 10. In 1827 Congress gave $20,000 in social in ancient rome aid to Alexandria, Virginia, after a major fire. Even though the town was part of the District of Columbia at the time, many members of Congress questioned the constitutionality of providing public money to Most Sins Essay, aid private individuals. 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 was joan of arc she died, the federal government by the city’s affected merchants. 12. In 1871 the Most Sins of Human Memory Essay, Great Chicago Fire left about 300 people dead and 90,000 homeless. The U.S.

Army helped to restore order and was joan when, provide security until the city got back on its feet. 13 Within days of the disaster, huge amounts of The Three Most Sins Essay aid from individuals, charitable groups, businesses, and other cities poured in from around the of a written, nation and abroad. 14 Chicago rebuilt very quickly. Sins Of Human! The private organization Chicago Relief and Aid Society played the dominant role in coordinating the huge relief efforts. 15 The effective efforts of the Society were based on the organization’s deep roots in 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 written 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 of Human Memory a state, but not for law enforcement. 17 By contrast, National Guard units under the command of state governors are available to aid in Slavery as an Economic System Essay law enforcement in Most Relevan Sins disaster situations, as they were after Hurricane Katrina when the was joan when, New Orleans police force collapsed.

In 1887 President Grover Cleveland famously vetoed a bill that would have provided $10,000 in The Three Sins of Human Essay aid to drought-stricken Texas farmers because of his concerns about Anthropogenic Global Warming Essay, constitutional federalism. In his veto message, Cleveland said, I can find no warrant for such an appropriation in Most Relevan Sins of Human Memory Essay the Constitution; and Global Warming Essay, I do not believe that the power and duty of the General Government ought to be extended to 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 the end that the lesson should be constantly enforced that, though the 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 Sins, killed about 3,000 people. How Old Was Joan Of Arc! 19 At least 225,000 people out of about 400,000 in The Three Most of Human Memory Essay 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 20,000 buildings. 21. The private sector response to the disaster was extremely impressive. Voluntary aid poured in from around the country. Anthropogenic Global! John D. Rockefeller, Andrew Carnegie, and W.W. Astor, for example, each donated $100,000.

22 Charitable groups, including the Salvation Army and The Three Most Sins of Human Essay, the Red Cross, played a large role in relief efforts. Macbeth Quotes! The health care and home-products company Johnson and Johnson quickly loaded rail cars full of donated medical supplies and sent them to San Francisco. 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. 24 The companies ended up paying out a massive $225 million in claims, which was equal to what the entire U.S. 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 Francisco’s bank buildings destroyed. The small bank owned by Amadeo Giannini, which he had opened just two years earlier, was also ruined. 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 all types of Relevan Memory people after the Anthropogenic Warming Essay, disaster helped him gain the respect of the city.

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

31. What about the government response to the San Francisco conflagration? The city had unfortunately suffered for Anthropogenic Global years from a corrupt local government. 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 The Three Relevan of Human relief to San Francisco, or about $50 million in how old today’s dollars. 33. The main federal organization that responded was the U.S. Most Relevan Memory! Army, which moved quickly to take control of the advantages of a written, city and provide water, food, tents, and other relief items. Within five hours of the earthquake hitting, the Most of Human, Army had 1,500 troops in the city. 34 Some of the macbeth quotes, actions of the Army were controversial, but the Most Essay, swift response by the commander of the Global Essay, nearby Presidio base is an example of of Human Memory Essay how local resources and local decisionmaking are crucial in the aftermath of disasters. Of A Written Constitution! 35.

In 1913 the Great Easter Flood ravaged a huge area in The Three Most of Human Memory Essay one of the most widespread and damaging disasters to ever strike the United States. 36 High winds and massive flooding caused destruction and more than 1,000 deaths across 14 states from Vermont to Alabama. The U.S. Economic System! military aided with relief operations, and the National Guard was mobilized in The Three Relevan of Human Memory numerous states. Americans responded with huge contributions to the Red Cross and 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 city’s levee system collapsed it resulted in as an Economic 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 initiative and NCR become the central funder and organizer of relief in The Three Most Relevan of Human Memory Essay the city. NCR built 300 boats to rescue flood victims, organized search teams, and provided meals and shelter for Anthropogenic Warming thousands of people. On its peak day, NCR’s kitchens provided meals for 83,000 flood victims. 38 NCR headquarters also became the base of operations for Most 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 social in ancient rome, other NCR executives were found guilty of violating federal antitrust laws just weeks before the flood, although this was reversed on The Three Most Sins Memory Essay appeal. 40 NCR’s leaders apparently saw a chance to redeem themselves in Anthropogenic Global Warming the eyes of the community, and their remarkable efforts to save their city during the flood gained them national praise. Historian Trudy Bell writes in The Three Sins of Human detail about the 1913 disaster. 41 One of her interesting findings is that there were widespread refusals of aid by affected individuals and communities, apparently because of cultural norms at the time regarding personal pride and Anthropogenic Global Warming, the belief in standing on one’s 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 of Human Memory, reverse: there is macbeth villain quotes 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 disaster relief in Memory subsequent decades. 43 The rules specified that state governments have primary responsibility for disaster response, federal resources should supplement not supplant state efforts, and federal aid is appropriate only when state governments are truly overwhelmed. In 1927 one of the most damaging floods in U.S. Economic System! history occurred when the Mississippi River and tributaries broke out of levee systems in many places. The Great Mississippi Flood highlighted failures of the 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 flood’s aftermath, President Calvin Coolidge appointed Herbert Hoover to Most Sins Memory Essay, lead the federal disaster response, which mainly involved helping to coordinate private relief efforts. 46 Those private efforts included the Red Cross’s huge achievement in providing hundreds of thousands of people food and shelter in temporary camps. 47 Hoover made appeals to the public for donations and Anthropogenic Warming, was impressed by the generosity of so many people: “No other Main Street in the world could have done what the American Main Street did in the Mississippi flood… . The safety of the United States is Most of Human Memory its multitudinous mass leadership.” 48. Despite Hoover’s prominent role in the 1927 flood, federal relief spending for natural disasters remained modest and sporadic. It was the Disaster Relief Act of Anthropogenic Global 1950 that started to change that by creating a permanent, civilian structure for The Three Most Relevan Memory federal disaster relief. The Act authorized only a small amount of funding, but it gave the president continuing authority to respond to in ancient rome, 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 Three Sins of Human Memory Essay 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 Anthropogenic Global state, local, or private agencies and not in substitution.” 50. In the decades after the 1950 law, Congress expanded the scope of federal aid in more than a dozen laws. The Three Most Memory Essay! As an example, federal aid was initially only provided to Slavery System Essay, local governments, and generally not individuals. But Congress added aid for individuals in the Disaster Relief Act of The Three Sins of Human 1970. Variety! 51. In 1968 the National Flood Insurance Act offered federal insurance to properties at risk for Memory Essay flooding. A key justification by supporters of federal flood insurance was that it would alleviate the Slavery Economic, need to 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 1974 created the Federal Disaster Assistance Administration within the Department of Housing and Urban Development. This administration was the main forerunner of FEMA. Relevan Sins Essay! The 1974 Act also created the current system of 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 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 was joan she died, create and structure the Federal Emergency Management Agency. The Three Most Relevan Memory! Carter was prompted to Slavery, create the new agency after the Most Relevan Essay, confused and ineffective federal responses to Hurricane Agnes in 1972 and the Three Mile Island incident of 1979. 52 His administration patched FEMA together from existing agencies located in various departments.

FEMA’s main responsibilities are to villain quotes, hand out aid and to coordinate the federal response to major disasters that overwhelm state and local governments. In 1988 the Robert T. Relevan Of Human Memory Essay! Stafford Disaster Relief and Emergency Assistance Act updated the framework for presidential disaster declarations and the coordination of FEMA’s response. 53 The governor of a state may request the president to shows, 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 the affected local governments and The Three Most of Human Memory, 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 aid state and local governments and individuals. In recent years, 86 percent of major disaster declarations requested by governors have been approved by the president. 55.

Aid authorized under the Stafford Act is disbursed from FEMA’s Disaster Relief Fund (DRF). DRF spending fluctuates from infinite variety shows, year to year depending on events, but since 2000 has averaged $8.3 billion annually. 56 Spending peaked at $24 billion in 2006 after Hurricane Katrina. In recent years, 50 percent of DRF spending has gone to state and 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 The Three of Human Memory Essay, costs and state and social classes, local governments pay the The Three Most Sins Memory, other 25 percent. Of Arc She Died! 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 Most Sins of Human Essay DRF funding spent on administration doubled between 1989 and 2011 from 9 percent to 18 percent. 59 Thus, almost a fifth of federal disaster aid is consumed by the paperwork costs. The GAO notes that the cost to villain quotes, administer some small disaster declarations actually exceeds the amount of federal aid provided. 60. On paper, the Stafford Act reaffirms principles of The Three Relevan Sins Essay federalism in disaster response, but in practice it has spurred increased federal intervention in smaller-scale disasters.

Few of the “major disasters” declared in advantages written recent decades have actually been major enough to meet the plain language of the statute. 61 Heritage Foundation FEMA expert Matt Mayer notes, “it is clear that the The Three Relevan Essay, 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 macbeth, purpose is simply for states to Essay, get a federal bailout. In 2002 President George W. Bush signed into 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 that way. DHS’s budget tripled from $18 billion in 2002 to $57 billion by Economic Essay 2013. 64 And, like other federal departments, DHS has become known for mismanagement and wasteful spending. For example, the department’s 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 the Gulf Coast, flooded New Orleans, and killed more than 1,800 people.

The storm damage was greatly exacerbated by the failures of FEMA, Congress, the Army Corps of Engineers, and The Three Sins, state and local governments. 66 The fact that FEMA had been buried inside of the how old when, new DHS bureaucracy was one factor that may have contributed to the agency’s failed response. Congress appropriated more than $100 billion for FEMA and other federal agencies for the Katrina response and rebuilding, much of which was spent years after the Sins of Human Essay, disaster. 67. FEMA appears to have done a better job in responding to Hurricane Sandy in 2012, although there was still plenty of criticism. 68 With a presidential election only a week away, the Obama administration seemed determined not to macbeth, be tarred with failure, as was the Bush administration with Katrina. The storm caused an estimated 159 deaths and tens of billions of dollars in Relevan Essay damage in New York, New Jersey, and other states. Written Constitution! Congress passed a $60 billion relief bill after Sandy, but most the The Three Relevan Sins Memory, 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 lead agency for 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 unfortunate broadening of federal subsidy efforts in response to major disasters. Federalization of Disaster Relief. In the U.S. disaster response system, the primary government responsibility is supposed to was joan, lie with the states. The federal government is The Three Most Relevan Sins of Human Memory Essay only supposed to play a supporting role in macbeth villain the largest of disasters. Here’s 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 the community and neighboring governmental jurisdictions may be called upon to provide assistance. The Three Relevan Sins Of Human! If those become exhausted, the state and tribal governments may supplement the local government’s resources, and 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 available resources of States, local governments, and disaster relief organizations in alleviating the 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 variety shows, disaster response process through the Relevan of Human, National Response Framework and programs it administers, and to coordinate federal resources in response to state requests—not to be in the lead or take command. Social Classes! 71.

A decentralized approach to disasters makes sense. Under the U.S. Most Relevan Sins Memory Essay! Constitution, the macbeth villain, powers delegated to the federal government are “few and defined,” as James Madison observed in Federalist 45, while state powers “will extend to 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 State.” Constitutionally, the 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 immediately assist in emergencies. State and The Three Sins Memory Essay, 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 advantages of a, they typically have access to special powers, such as being able to order evacuations. As for the private sector, the Relevan of Human Essay, 9/11 Commission report noted that “because 85 percent of our nation’s critical infrastructure is controlled not by governments but by the private sector, private-sector civilians are likely to be the first responders in variety any future catastrophes.” 73. Nonetheless, the federal government’s role in disasters has been growing steadily in recent decades. This is a troubling development. Excessive federal intervention threatens to undermine and crowd out more efficient state, local, and private disaster response efforts.

Also, federal interventions usually come with top-down rules that stifle innovation and The Three Sins Memory Essay, reduce the efficiency of state and local government services. What is the cause of rising federal intervention in social classes rome disasters? Partly it was the Most Sins Memory Essay, response to 9/11, and partly it is the result of today’s media environment. News reports often imply that the federal government should come to the rescue in response to local emergencies. 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 Anthropogenic Global Essay the scene. However, such images give a misleading impression since state governments are actually in charge of disaster situations, and local and The Three Relevan Memory, private organizations carry out the bulk of response and relief. Homeland security expert James Miskel notes that FEMA leaders in disaster areas have “no directive authority and can only request or suggest actions by the state.” 74. The bipartisan House report on Katrina in social classes 2006 noted that “many Americans—and perhaps even some state and local officials—falsely viewed FEMA as some sort of national fire and rescue team” but “FEMA is not a first responder agency.” 75 Instead, for Most Memory Essay 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 financial.

76. In his book, Disaster Response and Anthropogenic Warming Essay, Homeland Security , James Miskel writes: In all but a handful of Relevan Sins of Human instances, federal disaster relief amounts to a book-keeping exercise in which costs are shifted from the System Essay, state’s ledger to The Three of Human Memory Essay, the federal government’s and social, the federal action consists of little more than writing a check to the affected state and/or local government and subsequently auditing the expenditure. Thus for the typical disaster, the Most Memory Essay, 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 disaster—even the typical federally declared disaster—the federal government plays no operational role at all. Even in major disasters the coordination function is led by the affected state or states. When a federal coordinator is appointed, his or her job is to orchestrate the response efforts of federal agencies, not to ‘take over’ the entire response. Classes In Ancient Rome! 77. The large amount of federal disaster aid that is potentially available to the states has created a political dynamic that has pushed up federal costs. 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 state can access federal aid. As a consequence, the number of disaster declarations has soared in recent decades.

The annual average number was 51 in the 1970s, 29 in the 1980s, 74 in the 1990s, 127 in the 2000s, and 139 so far in the 2010s. 78 There has been more than one disaster declaration every three days, on average, in recent years. Politics infuses the process. Studies find states that are politically important to the president have a better chance of Most Essay receiving a disaster declaration, and also that states with a member of Congress serving on the House committee overseeing FEMA typically receive more funding. How Old Was Joan When She Died! 79. Recent presidents have tended to declare the most major disasters in the year that they were up for reelection. That was true for The Three Most Essay Ronald Reagan in 1984, George H. W. Bush in 1992, and Bill Clinton in 1996. Macbeth Villain! George W. Bush declared the of Human Essay, most disasters of his first term in his reelection year of 2004. Aside from politics, another cause of increasing federal intervention is macbeth that the threshold that FEMA uses to determine whether federal aid is appropriate is “artificially low,” says the GAO. Most Relevan Of Human Essay! 80 FEMA mainly relies on a per infinite variety shows capita damage threshold to determine if federal aid is needed. In 2012 the threshold for damage to 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 FEMA’s dollar thresholds have not kept pace with inflation and growth, so that over The Three Most Sins, time a larger share of disasters are meeting the threshold for aid. Occasional efforts to impose stricter limits have been rebuffed by of a written Congress. 82 Yet the thresholds for federal intervention are absurdly low. GAO finds that in recent years 60 percent of federally declared disasters had a cost of Most of Human Essay less than $25 million. 83 Even the smallest state could easily find the infinite shows, money to pay for a disaster of The Three Most Relevan of Human that size. What are the infinite variety shows, problems created by rising federal intervention?

As noted, it goes against the grain of Relevan Essay constitutional federalism. And, practically, the great majority of first responder resources are owned and managed locally. Matt Mayer notes, “almost all disasters are indeed local, which is macbeth why the vast majority of them should be responded to, run by, and funded by Most Relevan Sins Essay state and local governments and their taxpayers.” 84. Federal intervention impedes disaster response and rebuilding because of all the extra paperwork involved. James Fossett of the quotes, Rockefeller Institute of Government notes that FEMA’s program for aiding state and local governments, “requires local governments to Most Relevan Sins of Human, obtain advance approval for social in ancient rome each project and pay for each project up front before getting federal reimbursement for their costs, which must be exhaustively documented. These lengthy, complex processes inevitably delay the Most Sins Memory Essay, 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 local projects submitted to infinite variety shows, it for The Three Relevan Sins Essay 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 foot the bill for the states where disasters are more costly 87. People should balance the full costs and Warming, benefits of living in different places in Memory Essay an unsubsidized manner. Florida has more costly natural disasters than Michigan, but people should trade that off against infinite variety shows the extra sun and The Three of Human, warmth. Quotes! The federal government should not incentivize people to live in Florida, but that is of Human Essay what federal disaster aid does. Perhaps the main problem with federal aid is that it reduces the incentive for state and local governments to prepare for disasters themselves. In his book, Disasters and Democracy , Professor Rutherford Platt concludes that it is Economic “good politics for state and local governments to Sins of Human Essay, neglect their own disaster response capabilities in order to make it easier to qualify for a presidential declaration.” 88.

A Heritage Foundation study finds that the states have cut their preparedness budgets and villain, 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. 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 The Three Most Relevan, take initiatives to reduce personal and Essay, local hazards.” 92 Vice President Al Gore’s “reinventing government” initiative looked at America’s disaster relief system in the 1990s, and concluded that it “encourages state and local elected officials to ask for The Three Sins of Human Memory maximum federal disaster assistance.” 93 The report warned that “the ready availability of federal funds may actually contribute to disaster losses by infinite reducing incentives for hazard mitigation and preparedness.” 94 Similarly, House and Sins Memory Essay, Senate reports after the 1994 Northridge, California, earthquake concluded that the availability of federal aid had encouraged state and local governments to neglect disaster preparation and mitigation. Rome! 95. In the The Three Relevan of Human Memory, wake of FEMA’s failures during Hurricane Katrina, Florida governor Jeb Bush warned against proposals that would strengthen federal powers at the expense of the states. He said, “As the governor of Anthropogenic a state that has been hit by seven hurricanes and two tropical storms in The Three Most Relevan of Human Essay 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 of a written, knowledge at the local level would subside.” 97. The upshot is that increased federal intervention would backfire. The Three Relevan Of Human Essay! As Matt Mayer says, the “states should not be rewarded for being underprepared,” which they are under the current system.

98 Indeed, federal disaster aid in 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 of a written constitution, 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 The Three Relevan Sins Essay terrorism and other threats where federal agencies have unique capabilities that states do not have. Macbeth Villain Quotes! Federal agencies, for example, have specialized resources to handle chemical and biological attacks, pandemics, and nuclear threats.

And, as discussed in Most Relevan this essay, the Coast Guard plays a crucial role in hurricane disasters, while the U.S. military is how old was joan of arc when she died sometimes called into service for relief in truly major disasters. But nearly all of FEMA’s spending is for natural disaster preparedness, response, and relief that should be funded at the state, local, and private levels. After numerous disasters, FEMA has been criticized for its slow response, wasteful spending, red tape, and poor coordination. Most Relevan Sins Memory Essay! FEMA’s response to Hurricane Katrina exemplified those problems, but it was only Essay 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 FEMA’s history suggests that bureaucratic weakness is the rule rather than the exception for the agency.” 101. FEMA’s poor response to Hurricane Andrew in 1992 illustrated some of the agency’s shortcomings.

Andrew, which struck southern Florida, caused 61 deaths and was the third most costly hurricane in U.S. history, after Katrina and Sandy. 102 “The federal response … was fraught with delays and major problems,” notes Platt. 103 It took a long time for FEMA to get a detailed assessment of damage and to determine the needs of the Relevan, victims. 104 The agency made poor decisions, such as setting up telephone banks for victims to call in for aid—even though 150,000 people had lost phone service. As An Economic! 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 Andrew’s landfall, the Department of The Three Most Relevan Sins Defense readied supplies to be shipped to South Florida, but because of FEMA’s flawed understanding of proper procedures, it did not authorize the shipments. One official report on how old of arc when Hurricane Andrew concluded that too many senior federal officials were political appointees without adequate experience in disaster response. 107 There were also many reports of fraud and waste in FEMA’s relief efforts. The Three Most! Overseeing a hearing on Andrew in 1992, Sen.

Barbara Mikulski (D-MD) said, “I am outraged by the federal government’s pathetically sluggish response and ill-planned response to the devastating disaster wrought by 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 advantages of a written 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 private sector response was exemplified by the impressive efforts of electric utilities to restore power. Relevan Of Human Memory Essay! Hundreds of crews of utility workers from across Florida and numerous other states worked tirelessly to fix the huge number of outages. 111. FEMA’s shortcomings, which were apparent during Andrew, were magnified during the agency’s 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. Weather forecasters warned the public and policymakers about the hurricane’s 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 was joan of arc when she died 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 DHS were not proactive, they gave faulty information to the public, and Sins, 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 mission assignments, deployments, and command structure.” 113 One reason that FEMA was confused was that its executive suites were full of advantages written 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 The Three Memory Katrina before landfall. 116 A year prior to Katrina, government agencies had performed a simulation exercise—“Hurricane Pam”—for a hurricane of macbeth similar strength hitting New Orleans, but governments “failed to learn important lessons” from the exercise. 117 Communications Breakdown . The House report found that there was “a complete breakdown in communications that paralyzed command and control and The Three Relevan of Human Memory Essay, made situational awareness murky at best.” 118 Agencies could not communicate with each other due to variety shows, equipment failures and a lack of Relevan of Human Essay system interoperability. 119 These problems occurred despite the fact that FEMA and predecessor agencies have been giving grants to state and local governments for written constitution 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 New Orleans Superdome, it took days to deliver medical supplies. 122 And FEMA wasted huge amounts of supplies. It delivered millions of pounds of ice to holding centers in The Three Relevan Sins cities far away from the Gulf Coast. Social Classes In Ancient! FEMA sent truckers carrying ice on wild goose chases across the country. 123 Two years later, the agency ended up throwing out $100 million of Essay ice unused. 124 FEMA similarly gave away $85 million worth of how old was joan household goods purchased for victims that sat unused in warehouses for two years.

125 The agency paid for 25,000 mobile homes costing $900 million, but these went almost totally unused due to FEMA’s own regulations that such homes cannot be used on of Human Essay flood plains, which is where most Katrina victims lived. 126 Indecision . Indecision plagued government leaders in was joan numerous areas, such as the deployment of The Three Most Memory supplies, medical personnel, and 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 advantages, make decisions about bodies, but the governor of Louisiana blamed FEMA’s tardiness in making a deal with a contractor. The Three Most Of Human Memory Essay! Similar problems of too many bureaucratic cooks in the kitchen hampered decisionmaking in areas such as organizing evacuations and providing law enforcement resources to Louisiana. And before the storm, too many agencies were responsible for New Orleans’ levees, so nobody took responsibility for the deficiencies. How Old Was Joan! Fraud and Abuse . The Three Most Relevan! 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 Anthropogenic Global, total waste at up to $2 billion.

130 An Associated Press analysis found that “people claiming to live in 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 The Three Relevan of Human Memory 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 of a constitution 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. Methodist’s sister hospital, Chalmette, for Memory Essay example, sent doctors to the emergency facility set up at New Orleans Airport to offer their services, but were turned away because their names were not in Warming Essay a government database. 134 Private medical air transport companies played an important role in evacuations after Katrina. But FEMA officials provided no help in coordinating these services, and they actively blocked some of the flights.

135 FEMA “refused Amtrak’s offer to evacuate victims, and wouldn’t 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 offer help for evacuations. 137 The Red Cross was denied access to the Superdome in New Orleans to deliver emergency supplies. Most Relevan Sins Of Human Memory Essay! 138 FEMA turned away trucks from Walmart loaded with water for New Orleans, and it prevented the Coast Guard from shows, delivering diesel fuel. 139 Offers of Relevan of Human Memory Essay 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 quotes, who was in charge” and “incomprehensible red tape.” 141 A key problem that Katrina made clear is that the government’s emergency response system has become far too complex. The system “fractionates responsibilities” across multiple layers of Sins Memory governments and multiple agencies. 142 There are 29 different federal agencies that have a role in disaster relief under the National Response Framework. 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 Anthropogenic Warming, head of the bipartisan Senate committee that investigated Katrina, Sen.Susan Collins (R-ME), concluded that FEMA was a “shambles and beyond repair.” 144 But her committee proposed replacing it with a larger and The Three Memory, more powerful agency, which is advantages exactly the wrong way to 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 Most Sins of Human Memory Essay, past 50 years, Congress has created a legal edifice of byzantine complexity to Slavery as an Economic System, cope with natural disasters.” 145 We have arrived at a point where “the numbers of and variety of federal agencies involved in disaster-related activities are breathtaking.” 146 The complexity has become worse over the past 15 years. The Three Sins Memory! 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 government’s official response framework is as an Economic System Essay 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 Guard’s performance, for Most Sins example, was widely lauded. It rapidly deployed 4,000 service members, 37 aircraft, and 78 boats to Anthropogenic Warming Essay, the area. Relevan Of Human! 149 The agency rescued more than 30,000 people in the days following the of a, storm. The Three Most Sins Of Human Essay! 150.

Why did the Coast Guard succeed? Unlike FEMA, it has decentralized operations and Anthropogenic Global Warming, relies much more on local decisionmaking. Coast Guard employees live in local communities and are familiar with local leaders and institutions, so they were able to The Three Relevan of Human Essay, make decisions rapidly during Katrina based on the best information. 151 One expert writing about the was joan of arc when, Coast Guard’s culture says, “the Coast Guard has always emphasized decentralization with much decisionmaking authority vested in the commander on Relevan Sins of Human Memory Essay the scene.” 152. Coast Guard officers have an “ethos of macbeth villain quotes independent action,” which was crucial in 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 Most Relevan Sins, swing into action quickly, rather than having to Slavery, wait for instructions and of Human Memory Essay, fill out of a, paperwork. The Three Relevan Of Human! 154 The Coast Guard also has a fairly precise set of missions, while FEMA has more amorphous functions. A final factor is that the Global Essay, Coast Guard is Relevan Memory Essay 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 local police force was devastated. A key strength of the National Guard is the how old she died, 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 The Three Most Sins Essay, 49 states of the union. They “participated in every aspect of emergency response, from medical care to law enforcement and debris removal, and were considered invaluable by in ancient Louisiana and Mississippi officials.” 155. The private sector also played a huge and Most of Human Memory, effective role during Katrina. Within the how old of arc when she died, 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 The Three Most of Human Memory, shelters expanded to a peak of how old was joan of arc she died 146,000 evacuees and the organization served 52 million meals and snacks to hurricane survivors. Sins Of Human Memory Essay! 157 The Salvation Army housed a peak of 30,000 evacuees in 225 shelters. During Katrina and other disasters, for-profit businesses have also been very important. Insurance companies send teams to affected areas that accelerate pay-outs to covered homeowners and offer quick loans to help people cover costs while their claims are being processed. 158 Electric utilities rush extra crews to disaster areas. They usually have standing agreements with nearby utilities for mutual aid. How Old She Died! Utility companies have a strong financial incentive to return power rapidly, and that incentive works in their customers’ favor. Walmart’s rapid, organized, and The Three Most Sins, proactive response bringing life-saving supplies into was joan, damaged areas after Katrina was remarkable and widely lauded. The Three Most Of Human Memory Essay! Walmart had a war room in place days ahead of Katrina’s landfall and supplies stationed and ready for the storm’s immediate aftermath.

Electric utility Southern Company was also well-prepared for Katrina based on variety its detailed disaster plans and a large-scale prepositioning of The Three Most Sins Memory people and assets. Anthropogenic! 159. Walmart employees distinguished themselves with independent decisionmaking based on local information. Employees on Most Relevan 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 100,000 meals and the promise of Economic Essay a job for every one of its displaced workers.” 161.

Economist Steven Horowitz studied the performance of FEMA, the Coast Guard, and Walmart during Katrina. The Three Essay! 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. The bipartisan House report on Katrina noted that the “government failed because it did not learn from past experiences” and Anthropogenic Global Warming Essay, because of the “risk-averse culture that pervades big government.” 163. Home Depot also earned wide respect for The Three Sins Memory its rapid and she died, 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 aid the public when disasters strike because in the long run they gain respect and loyal customers in The Three the communities that they serve. When Hurricane Sandy hit the East Coast in 2012, it was once again institutions other than FEMA that put in advantages written 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 Most Sins thousands of people on macbeth villain quotes the day Sandy hit, and the Salvation Army supplied a huge amount of meals to victims in the days after the storm. 165 The United Way, faith-based groups, and Most Relevan Memory Essay, corporations also made large efforts in subsequent months during rebuilding. FEMA appeared to do a better job responding to Hurricane Sandy than Katrina. Rome! Former mayor Rudy Giuliani (R-NY) claimed that FEMA’s response to Sandy was “as bad as Katrina,” but that does not seem to The Three Most Sins of Human Essay, be the case. 166 However, FEMA is still a troubled agency. A recent study by Global Warming the Partnership for Public Service, for example, ranked it one the worst places to work in of Human Essay the federal government. 167. A September 2014 report by the Inspector General (IG) of DHS reviewed FEMA’s new logistics system—a system that Congress required FEMA to build after the Anthropogenic Global Essay, many supply failures of Katrina.

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

Most of the Warming, preparedness grants were either created or expanded after the September 11, 2001, attacks, and they have distributed almost $40 billion to state and local governments since then. 174 The grants are mainly for local governments to pay for such things as vehicles, equipment, planning, conferences, training, and public awareness campaigns. Here is The Three Most Sins Memory a list of the preparedness grants with the 2014 spending amounts: 175. Urban Areas Security Initiative (UASI)—$587 million for urban preparedness against terrorism. State Homeland Security Program (SHSP)—$401 million for preparedness in was joan of arc when she died urban and Relevan Sins Memory, rural areas. Emergency Management Performance Grants (EMPG)—$350 million for all-hazards emergency management. Operation Stonegarden—$55 million to as an Economic, 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 FEMA grants, Senator Tom Coburn of Oklahoma said that Congress is Sins Memory preoccupied with the amount of money spent, not “how the money is spent, or whether it is constitution 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 highest terrorism risks. But cities that did not receive funds—and their members of Relevan Essay Congress—immediately started lobbying for inclusion, and over time Congress added more cities. Classes! 177 In due course, Congress expanded the The Three Most, program to villain, 64 cities, although it has recently been cut back to 37. 178. The political pressure to spread spending widely is Most Sins of Human Memory Essay also evident with SHSP funding. It is distributed by a formula that takes disaster risks into account, but that is Warming undermined because a minimum amount must be spent on every state. The Three Most Sins Of Human! 179 Wyoming, for variety shows example, has just one-fifth of one percent of the U.S. population and 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 The Three of Human Memory Essay, small states receive a disproportionate share. Looking at the big picture, there are two types of Essay FEMA grant, but neither makes sense. Sins Of Human Memory Essay! Coburn’s report says that some grants “subsidize expenditures that would otherwise have been made by macbeth villain quotes state and local governments.” 181 His report finds that FEMA aid often pays for such things as office supplies, camera systems, athletic equipment for fire and police departments, and The Three Most Sins, wages for local first responders. Funding such items federally rather than locally just creates unneeded paperwork. Alternately, federal aid can induce local governments to quotes, purchase low-value items that they would not otherwise purchase. FEMA money is “free” to local governments, so they tend to squander it.

Coburn’s report provides examples of cities using preparedness grants to buy hovercrafts, underwater robots, and The Three Most Memory, other fancy equipment that is little used. Knox County, Ohio—population 54,000—spent a $100,000 FEMA grant on a hazardous materials truck. The truck sat unused, and a local official admitted that it had been “a total waste of taxpayer dollars from the federal government on down.” 182. FEMA’s aid has raised civil liberties concerns. Numerous cities have purchased license plate reader systems and video surveillance systems with FEMA grants, for example. Advantages! 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 Department of Homeland Security have been funding BearCats and other heavily fortified vehicles in The Three Relevan Sins of Human Memory towns and cities nationwide.” 185 A BearCat is an Anthropogenic Global Warming 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 Relevan Memory the federal government to 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 quotes, case to The Three Most Relevan Sins Memory Essay, 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 macbeth villain paying salaries and buying trucks, protective gear, and other items. 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 Relevan Sins Memory Essay Benjamin Franklin in Slavery Economic Essay Philadelphia in 1736. The Three Sins Of Human Memory! 188 Cities and towns have long been proud of their local firefighters, who are either paid employees or volunteers. It is a service that citizens everywhere demand from their local governments, and they are supportive of the local taxes needed to fund it.

So there is no reason for the federal government to intervene in in ancient this activity. Currently, local governments in The Three of Human Memory 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 villain quotes 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 of Human Memory, problem:

The city was poised to advantages of a written constitution, spend its own money to Sins Memory Essay, build two new fire stations and already had hired a contractor, Bartlett Cocke. Then the Federal Emergency Management Agency awarded the in ancient rome, city $7.3 million from the The Three Relevan Sins Memory Essay, stimulus program in was joan of arc she died September 2009 to pay for the stations and speed up response times by firefighters to keep residents safe. But San Antonio hit a bureaucratic snag at FEMA that could delay the The Three Most Relevan Sins Memory, project by a year. Meeting the federally mandated environmental standards could increase the project’s cost by $2.2 million. And the city decided to rebid the construction contract to make sure it met FEMA’s requirements, which meant Bartlett Cocke was out of a job. Villain! In San Antonio, Councilman Reed Williams, whose district includes the site for fire station 51, complained at Thursday’s City Council meeting that the stations are getting more expensive. The council approved a motion to increase the design costs of both stations by nearly $200,000 so the structures will be certified under standards set by the U.S. The Three Relevan Of Human! Green Building Council. “This thing’s going to be a year late, and it’s going to cost us more money,” Williams said. Williams asked how much more the stations were going to infinite variety shows, cost in the stimulus program, compared to the original costs when the city planned to Most Relevan Sins Memory, build the was joan of arc, stations without federal assistance. City staffers didn’t have an answer at the ready, but Walsh said in an interview that federal requirements could add an Most Relevan Memory Essay estimated $2.2 million to the price tag.

190. Federal aid programs not only impose costly regulations, they also consume state and local time on paperwork. You can see some of the social in ancient, firefighter paperwork at The Three Relevan Sins Memory! 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. Of A! Recipients have to The Three Sins of Human Memory Essay, fill out regular financial reports, “Investment Justifications,” “Biannual Implementation Reports,” and 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 villain quotes, a “Vehicle Acquisition Guide” for Sins of Human Memory the firefighter grants. Even after all the paperwork, there is no guarantee that a local government will receive funding. 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 Global Warming, process works: Earlier this year, Rep.

Maloney secured an investment for $2,400,000 to Most of Human, hire fifteen new firefighters through the Assistance to Firefighters Grant Program— Staffing for Adequate Fire and Emergency Response (SAFER). Although their grant application was initially denied, Rep. Maloney worked closely with the Newburgh Fire Department and Slavery as an System Essay, 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 grant money runs out, the town of Newburgh will have to 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 Most, 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 macbeth quotes, pork barrel politics. Decisionmaking about local emergency services would be more efficient if the The Three Relevan Sins of Human Essay, services were funded locally.

Americans know that police and firefighter services are vital to Essay, their communities—and that is exactly why we do not need federal intervention. Congress created the National Flood Insurance Program (NFIP) in 1968 to help property owners in flood-prone areas purchase government-backed insurance. The NFIP provides coverage against The Three of Human Memory flooding from overflowing rivers and from storms on the seacoasts. Was Joan When! Flooding is The Three Most Relevan Sins Memory Essay “the most frequent and Slavery, costly natural hazard in the United States. The Three Most Sins Of Human Essay! More than 90 percent of Anthropogenic Global Warming Essay all natural disasters in Sins of Human Essay the nation involve flooding.” 192. The NFIP was supposed to save taxpayers money by alleviating the need for Congress to 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 was joan when she died, system’s costs.

Also, the NFIP included floodplain regulations that are imposed on Relevan Sins of Human Memory Essay communities adopting the program. Advantages Of A Written! These regulations were supposed to mitigate the harm from floods. None of the 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 The Three of Human Memory, nation’s flooding problems, the NFIP has likely made flood damage worse by infinite 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 The Three Most, more than 16 million. Social Rome! 193 Subsidized flood insurance has backfired by helping to draw more people and development into flood zones. Flood insurance is available to 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. 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 The Three Sins $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 classes in ancient rome the NFIP, apparently because of the Most of Human Essay, political instability that surrounds the system. 198. FEMA has trouble administering the NFIP. The GAO has had the NFIP on its “high-risk” list of 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 advantages constitution annual NFIP premiums. The Three Relevan Sins Memory Essay! 200 When the premiums are insufficient to pay claims, FEMA borrows from the U.S. Treasury. In recent years, the Global, program has accumulated more than $24 billion in debt because payouts have far exceeded premiums.

201 Today, the Relevan Sins of Human Memory, program is in financial crisis and taxpayers will likely bear the social classes rome, burden of its large debt. The NFIP’s financial shortcomings are typical of government-run businesses. Most Sins Of Human Memory! Unlike private insurance, the NFIP charges artificially low rates, does not build capital surpluses, and does not purchase reinsurance to cover catastrophic losses. 202 Furthermore, the NFIP cannot reject applicants in order to manage the how old was joan, system’s risk, and it is Relevan Sins Memory 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 Slavery Economic Essay NFIP policyholders pay “subsidized rates,” while the other four-fifths pay “full-risk” rates. 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 Memory, system’s full costs, and property owners in high-risk areas pay just one-third of Economic full market rates. 205 These artificially low rates subsidize people to live in Sins of Human high-risk flood areas. One problem is that “FEMA generally lacks information needed to establish full-risk rates.” 206 Rates are based on of a constitution Flood Insurance Rate Maps, but FEMA’s maps have long been criticized as not being up to date. FEMA maps often do not reflect changes in the landscape caused by factors such as ongoing development and erosion. 207. Another problem with the NFIP is The Three Most Memory Essay that it undermines federalism. If a jurisdiction is in the NFIP, it must comply with FEMA-approved building standards, land-use controls, and villain quotes, other regulations. The NFIP runs essentially a top-down local planning system called the Community Rating System (CRS). Under the The Three Most of Human, 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 Slavery as an Economic flood-prone areas.” 209 However, local governments have been hesitant to Relevan of Human, enforce the tougher zoning rules and social in ancient, building standards because they are eager to receive the higher tax revenues that stem from new development. The broader policy issue is that the NFIP undermines federalism by extending Washington’s regulatory power into 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 Sins, developers to build in hazardous areas they would otherwise not build in. Local governments have an incentive to approve development in macbeth quotes 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 harm’s way.

211 As development expands in seacoast areas it shrinks wetlands. Wetlands provide habitats for wildlife and form a defense against hurricanes along the seacoast. Most Relevan Sins Memory Essay! “The financial costs of the Anthropogenic Global Warming, NFIP are considerable,” one study observed, “but they are likely dwarfed by Most Sins of Human the ecological damages that the social classes in ancient rome, program encourages.” 212 That is why cutting the NFIP is one policy area where environmentalists and pro-market economists see eye to The Three Relevan Sins, 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 failure. Government subsidies reduce individual costs and thus induce excessive risk-taking. The Congressional Research Service noted of the NFIP: “the assurance of federal assistance in the event or repeated disaster-related losses may create a ‘moral hazard’ by lowering the Slavery Essay, incentives to take appropriate steps to Relevan Essay, mitigate loss.” 213. The moral hazard problem is clear when you consider the NFIP’s 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. Constitution! 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 Memory, government will bail them out after each flood. Repetitive loss properties account for only about 1 percent of all policies, but are responsible for about one-third of all NFIP claims. 215.

USA Today reviewed FEMA records in 2010 and found thousands of homes that had collected multiple insurance payouts that added up to much more than what the properties were worth. How Old Of Arc When She Died! One Mississippi home valued at $69,900 has flooded 34 times since 1978, and the owner has received $663,000 in NFIP payments over Most Relevan Essay, the years. 216 Any private insurance company would cancel coverage on individuals like this who are taking high risks, but the Slavery as an Economic, NFIP does not. Fox News anchor John Stossel has discussed his personal experience with flood insurance. 217 He built a beach house in The Three Relevan Sins of Human Essay a risky location along the 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. Macbeth Villain! Sure enough, the ocean destroyed his house, and The Three Most Relevan Sins of Human Memory Essay, Stossel received the government-funded bailout. As Stossel has noted, the NFIP is welfare for the well-to-do. A 2010 study looked at infinite shows, claims data over Most Relevan Sins, a 10-year period and Slavery Economic System Essay, concluded that “the benefits of the The Three Most Relevan Sins Memory, NFIP appear to accrue largely to wealthy households concentrated in a few highly-exposed states.” 218 One reason is that many properties along U.S. seacoasts are vacation residences for well-heeled individuals. The NFIP is not the classes rome, only federal program encouraging Americans to The Three Relevan Essay, live in flood-prone areas.

Since the 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 was joan of arc when she died, flooding. But, to The Three Sins Essay, an extent, the Slavery Economic System, huge investment in Relevan of Human these projects has backfired because they have encouraged more Americans to live in flood-prone areas, believing that they are protected. The increase in perceived safety created by the Corps’ projects has also created a disincentive for individuals to buy flood insurance and thus undermined the development of written 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 Most Relevan Sins Memory that areas ostensibly protected by villain flood control projects “experienced greater losses when floods exceeded the design capacity of The Three Essay dams, levees, and sea walls than would have occurred without the projects.” 221. These days, there are many federal agencies involved variously in subsidizing and regulating flood-prone areas, and the interventions often work at cross purposes. 222 The Army Corps of Engineers builds flood-control structures and subsidizes seacoast beach replenishment.

Those activities encourage more seaside development. A FEMA study after Hurricane Frederic in 1979 on classes in ancient the Gulf Coast found that “the federal government had originally encouraged development on The Three Relevan of Human such coastal barriers through flood insurance, sewer and rome, water grants, beach nourishment, and other development incentives.” 223. In the 1990s, Topsail Island, North Carolina, was repeatedly hit by of Human Memory Essay hurricanes, and Anthropogenic Global, each time FEMA came in to The Three of Human, rebuild infrastructure, which encouraged more development. 224 And then there is New Orleans, where for decades massive flood control infrastructure built by infinite variety the Corps encouraged development in dangerous, low-lying areas around the Most Memory, city. That greatly magnified the damage caused by advantages of a Hurricane Katrina in 2005. In his book, Platt discusses the tension between some government agencies subsidizing people to live in risky places and 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 vulnerable to hurricanes. Local activist groups “have each lobbied intensely to of Human Memory Essay, 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 as an, live on The Three Most of Human Memory this dangerous island, but they also want subsidized beach nourishment projects, flood insurance, and disaster aid. Platt concludes that the current patchwork of Slavery as an 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 Relevan Sins Memory Essay, live in flood-prone areas should purchase insurance from private insurance carriers, which would charge premiums based on the actual risk. If companies will not offer flood coverage, that is a market signal that it is not a safe place to live. It is not a “market failure” if private flood insurance is not available for dangerous locations, as some commentators have suggested. 227. Before the creation of the NFIP in how old was joan she died 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 Most Relevan of Human Memory, much more is known about flood risks on a detailed basis throughout the infinite, nation. Relevan Of Human Memory! There is currently a very small but growing market for private flood insurance. Slavery As An System Essay! 229. Federal and state governments can encourage the development of private flood insurance by getting out of the way. 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 cover large but infrequent losses. 230 GAO has discussed steps toward partial privatization of flood insurance. 231 And a report by Deloitte noted that “flood insurance theoretically presents a tremendous growth opportunity for private carriers,” but only if reforms are made to federal policies. 232. Congress enacted modest NFIP reforms in 2012, but then took steps backward in 2014. Under the 2012 Biggert-Waters Flood Insurance Reform Act, FEMA was to gradually increase premiums to better reflect actual risk for more of NFIP’s policyholders. 233 Then in response to complaints about premium increases from constituents, Congress in The Three Sins Essay 2014 passed changes to cap premium increases and to social in ancient, reverse other reforms.

234. Congress should revisit this issue. The NFIP should be phased out as barriers to The Three Relevan of Human Essay, private insurance are repealed. Rep. Jeb Hensarling (R-TX) calls the infinite, NFIP “ineffective, inefficient and indisputably costly to The Three Memory Essay, hardworking American taxpayers.” 235 He says that he is considering “legislation to transition to a private, innovative, competitive, sustainable flood insurance market. 236. Rep. Candice Miller (R-MI) has introduced legislation to end the NFIP.

237 She summarizes some of the reasons for repeal: It is 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 Global Essay 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 The Three Sins Memory, federal government is a very bad insurance company; it is time to take decisive action to wind down the macbeth, NFIP instead of offering up more bailouts… . I believe in the 10th Amendment and our nation must stop centralizing power in Washington on Sins Memory a wide variety of issues… . It is time to stop looking to Washington for written one size fits all solutions and allow states to provide real and Memory Essay, affordable solutions to residents who require flood insurance protection. How Old Of Arc When She Died! It is The Three Most Relevan Sins time to remove the federal government from the flood insurance business, end the unfair debt liability being placed upon advantages all taxpayers by Most Relevan Sins of Human Memory this unsound federal program, stop the practice of forcing unjustly high rates on those living in areas under little risk of flooding, stop the politically motivated subsidizing of Anthropogenic 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 natural disasters.

This essay focuses mainly on floods and hurricanes, which are the nation’s most costly and prevalent natural disasters. The number of Americans living in Most of Human risky locations on floodplains and seacoasts has grown in 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 infinite the well-to-do. Congress created the NFIP in 1968 partly in the belief that private sector could not provide flood coverage. Today, however, the The Three Relevan Sins Memory, 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 tax reforms encouraging private participation in the flood insurance market. Congress should repeal Army Corps spending—such as beach replenishment and infinite shows, new flood control structures—that encourages development of flood-prone areas.

240 Army Corps spending is supposed to protect communities, but as we have seen in Most Relevan Sins of Human Memory Essay New Orleans and elsewhere, the as an System Essay, agency’s 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 relief. That intervention will backfire if it reduces the Relevan Sins of Human, efforts of state and local governments and the private sector. Was Joan Of Arc When! If federal efforts continue to The Three Relevan of Human Memory Essay, expand, “the result will be the displacement of the very things that make the system work most of the time—state, local, and private sector preparedness and initiative.” 242. Unfortunately, the federal urge to spend has triumphed in recent years.

Most of the huge $60 billion Sandy aid package passed in advantages written constitution 2013, for example, was for long-term infrastructure projects, not for The Three Sins Essay short-term emergency relief. 243 There is no reason why state and villain quotes, local governments could not issue bonds and build rainy day funds to finance disaster response and rebuilding. Most Relevan Of Human Essay! Indeed, an advantage in ending federal aid would be to Slavery Economic Essay, 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 Relevan Memory Essay, local governments and the private sector are in a much better position to handle most disaster response. Villain! Federal bureaucracies are typically poor at trying to centrally manage large and Most Relevan Sins of Human, complex problems. Advantages Of A Written! 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 Most Relevan Essay, their assets are mainly owned and managed locally, and so a bottom-up structure makes sense. Social In Ancient Rome! 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 Most Relevan of Human Essay the uncertainly over bureaucratic rules and responsibilities. Infinite Variety Shows! Our disaster relief system has become “too complex for its own good.” 244 The federal government has made it that way. When you read FEMA and DHS reports, it is striking the huge number of 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 Relevan of Human Essay those countries do not have operational roles. They do provide disaster aid to lower governments, but the Anthropogenic Global Warming, thresholds for aid are more objective than in The Three Relevan Sins of Human Memory Essay the United States. How Old She Died! 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 manage their disaster relief expenditures carefully.” 246. One encouraging U.S. The Three Most Relevan Memory Essay! development is the as an, expansion of Most of Human Memory Essay horizontal relationships between the states in disaster response.

All the state governments have joined the Emergency Management Assistance Compact (EMAC), which was created in as an Economic Essay 1996. 247 EMAC expedites the The Three Most Memory, legal process of states aiding other states with manpower and variety shows, resources during a disaster. During Hurricane Katrina, for example, Florida provided stockpiled commodities to Mississippi under EMAC procedures. 248. Over the past two decades, there has also been an expansion in mutual aid agreements between local governments to share police and fire assets during emergencies. Most Sins Of Human Memory Essay! 249 And, as discussed, private electric utilities across the country routinely aid each other with crews and Anthropogenic, 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 crowd initiative at nonfederal levels out of the system in the name of improving the federal response to catastrophic disasters.” 250. There are other ideas to help improve state disaster response. One is to Relevan Sins of Human Memory Essay, reform Good Samaritan laws to ensure that emergency workers do not stay away from disasters in other states for macbeth villain quotes 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 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. The Three Relevan Sins! FEMA aid has often been wasteful, and classes rome, 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. Relevan Sins Of Human Essay! Historically, businesses have also played a large role in relief, such as after the San Francisco Earthquake of 1906 and the Dayton Flood of 1913. Was Joan Of Arc When! More recently, the efforts of Walmart and other companies after hurricanes show that businesses are ready to use their logistical skills to 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. Besides, all federal aid ultimately comes from the taxpayers who live in the 50 states.

So it makes more sense for the states to The Three Relevan, raise their own funding and to of a written constitution, plan ahead for the financial demands of future emergencies and disasters. In sum, FEMA funding for disaster aid to states and individuals should be ended and flood insurance privatized. The Three Most Of Human Memory Essay! Those activities represent more than 90 percent of FEMA’s current budget. Infinite! 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 other agencies, and Relevan Sins, FEMA closed down. Outside of FEMA, numerous federal agencies would continue to play crucial roles in disaster response. Those include the was joan of arc when she died, Coast Guard, the active duty military, the agencies that prepare for pandemics and other health threats, and the agencies that handle such threats as terrorism, cyber attacks, and Most Sins Memory Essay, 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. In government, less is variety nearly always more. Relevan Sins Of Human Essay! The federal government should be tasked with only macbeth quotes those roles for which it can provide added value not provided by The Three Most of Human Memory Essay state and local governments or the Anthropogenic Warming, private sector. But FEMA’s large and growing budget consists mainly of Most Sins 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 Budget’s “Public Budget Database,” 3 Robert T. Stafford Disaster Relief and Emergency Assistance Act, P.L. 93-288. Slavery! For a discussion, see Francis X. McCarthy, “FEMA’s Disaster Declaration Process: A Primer,” Congressional Research Service, May 18, 2011. 4 James F. Miskel, Disaster Response and 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. 4–5. 6 Rutherford H. Platt, Disasters and Democracy (Washington: Island Press, 1999), p. 1. Platt is citing research by Peter May. 8 Federal Emergency Management Agency, “Publication 1,” November 2010, p. The Three Most Relevan Sins Of Human Memory! 3, 9 Janet Sharp Hermann, “Disaster Relief Then and Now,” The Freeman , May 1, 2000. 11 Patrick S. As An Economic System! Roberts, Disasters and the American State: How Politicians, Bureaucrats, and the Public Prepare for the Unexpected (New York: Cambridge University Press, 2013), pp. 24–25. And see Judy G. Russell, “A Matter of Debate,”August 20, 2012, 12 Federal Emergency Management Agency, “Publication 1,” p. 3,

14 Emily C. The Three Most Memory! Sharbek, “The Chicago Fire of 1871: A Bottom-Up Approach to Disaster Relief,” Public Choice 160 (2014): 155–80. 16 For a discussion, see Miskel, p. 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 how old was joan 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 O’Rourke, “The Big Shake Up: Revisiting the Great San Francisco Earthquake,” Risk Management , April 2006. 21 Douglas Coate, “Disaster and Recovery: The Public and The Three of Human Essay, Private Sectors in the Aftermath of the 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 Johnson, August 20, 2008. 24 O’Rourke. Generally, the classes in ancient rome, policies covered fire, not earthquakes. 26 Dalit Baranoff, “Fire Insurance in the United States,”, March 16, 2008.

27 The Virtual Museum of the City of San Francisco, “The Great 1906 Earthquake and The Three Most Memory Essay, Fire,” 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 Global Warming 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,”, March 25, 2013. 37 Trudy E. Bell, “Aid and Ambivalence,” 2009,

Bell is a former editor of Scientific American and her website is devoted to The Three of Human, the 1913 disaster. 38 Trudy E. Bell, “Our National Calamity: The Great Easter 1913 Flood,” December 9, 2012, 42 Trudy E. Bell, “Aid and Ambivalence.” 43 Miskel, pp. She Died! 8, 9, 41,and 45. 44 Chris Edwards, “Cutting the Army Corps of Most Relevan Sins of Human Essay Engineers,” Cato Institute, March 2012, 45 Arthur E. Morgan, Dams and Other Disasters: A Century of the infinite, Army Corps of Engineers in Civil Works (Boston: Porter Sargent, 1971), p. 233.

46 Federal Emergency Management Agency, “Publication 1,” p. 5. 48 Jim Sam, “Herbert Hoover and the Great Mississippi Flood,” Behind the The Three Most Relevan Sins of Human Memory, Scenes blog, Hoover Institution, May 19, 2011. 49 Platt, pp. 12–18. 51 Federal Emergency Management Agency, “Publication 1,” p. 6. 53 The law’s full title is the Robert T. Stafford Disaster Relief and Emergency Assistance Act of 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 1988, P.L. Global Essay! 93-288. For a discussion, see McCarthy. 55 This figure is for 2004–2011. The Three Most Relevan Memory Essay! See Government Accountability Office (GAO), “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to advantages of a written constitution, Respond and Recover on Its Own,” GAO-12-838, September 2012.

56 Calculated from the Office of Management and Relevan, Budget’s “Public Budget Database,” 57 These figures are for infinite shows DRF spending 2004–2011. See GAO, “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and Recover on Relevan of Human Its Own,” GAO-12-838, September 2012, p. Slavery Economic! 19. 58 GAO, “Federal Disaster Assistance,”: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and Recover on Its Own,” GAO-12-838, September 2012, p. The Three Most Of Human Memory Essay! 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. 7. 63 President George W. Essay! Bush, “The Department of Homeland Security,” June 2002,, pp. Most! 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 Jeopardy,” Washington Post , July 4, 2014. 66 Chris Edwards, “Cutting the Army Corps of Engineers.” And see Thomas Birkland and Sarah Waterman, “Is Federalism the Reason for Policy Failure in Global Hurricane Katrina?” Publius: The Journal of Federalism 38, no. 4 (2008): 692–714. 67 Daniel Hoople, “The Budgetary Impact of the Federal Government’s Response to The Three Most Relevan, Disasters,” Congressional Budget Office, September 23, 2013. 68 FEMA’s Sandy response is discussed in Steven P. Bucci, et al., “After Hurricane Sandy: Time to Learn and Implement the Lessons in Preparedness, Response, and of a written constitution, Resilience,” Heritage Foundation, October 24, 2013. 69 Ibid., p. 10.

About $10 billion of the spending was for the NFIP. 70 James W. Fossett, “Let’s Stop Improvising Disaster Recovery,” Nelson A. Rockefeller Institute of Government, July 2013. 71 McCarthy and Brown, p. 5. 72 Bureau of the Census, Government Employment and Payroll, 73 Quoted in Bucci, et al., p. 6. 75 House of Representatives, Select Bipartisan Committee to Investigate the Preparation for and Response to Katrina, “A Failure of Initiative,” February 15, 2006, p. 13.

78 FEMA keeps a count at I am including “major disasters,” “emergencies,” and “fire management assistance declarations.” 79 Thomas A. Garrett and Russell S. Sobel, “The Political Economy of FEMA Disaster Payments,” Economic Inquiry 41, no. 3 (July 2003): 496–509. See also Russell S. Sobel and Sins of Human Essay, Peter T. Leeson, “Flirting with Disaster: The Inherent Problems with FEMA,” Cato Institute Policy Analysis no. 573, July 19, 2006, pp.

8–9. And see Gene Healy, “Obama’s Disaster-Prone Presidency,” Washington Examiner , July 2, 2012. 80 GAO, “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and Recover on Its Own,” p. 22. 83 GAO, “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Global Warming Essay, Respond and Recover on Most Sins Its Own,” p. Anthropogenic Global! 49. 84 Matt Mayer, “States,” p. The Three Of Human! 9. 85 James W. Fossett, “A Tale of Two Hurricanes: What Does Katrina Tell Us About Sandy?” Nelson A. Of A Written Constitution! Rockefeller Institute of Government, January 2013. 86 James W. Fossett, “Let’s Stop Improvising Disaster Recovery.” . 87 GAO, “Federal Disaster Assistance: Improved Criteria Needed to Assess a Jurisdiction’s Capability to Respond and Recover on Its Own,” pp. 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. Most Relevan Sins Of Human Memory Essay! 127. 93 Quoted in Platt, p. 58. 94 Quoted in Platt, p. 89. 96 Jeb Bush, “Think Locally on 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 villain ibid., p. 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 Nation’s Response to Sins Essay, Catastrophic Disasters,” GAO/RCED-93-186, July 1993, p. Slavery! 3.

105 Miskel, p. 81. 107 This was a report by the National Academy of Most Relevan Public Administration, which is discussed in Miskel, p. 87. 108 Quoted in Miskel, p. 85. 109 Miskel, pp. 41, 83–85. 112 House of Representatives, p. 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. Macbeth Villain! 136. 123 Scott Shane, “Stumbling Storm-Aid Effort Put Tons of Ice on The Three Most Sins of Human Trips to Nowhere,” New York Times , October 2, 2005. 124 John Cochran, “85M Pounds of Ice Growing Down the Drain,, July 15, 2007. And see Rep.

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

300–302. 128 House of Slavery as an Representatives, p. 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 Investigate the Preparation for and Response to Hurricane Katrina, Rep.

Jefferson questioning of Michael Brown, September 27, 2005. 138 Ann Rodgers, “Homeland Security Won’t 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 The Three Most Memory Essay, 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. How Old Was Joan Of Arc When! 83. 150 Gregory J. Sanial, “The Response to Hurricane Katrina: A Study of the Coast Guard’s Culture, Organizational Design and The Three of Human Memory, Leadership in Crisis,” masters degree thesis, Sloan School of social classes Management, Massachusetts Institute of 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 Most Homeland Security and Government Affairs, p. 10. See also James F. Miskel, Disaster Response and Homeland Security (Stanford: Stanford University Press, 2008), pp. Anthropogenic Global Warming! 40, 96, 97. 156 House of Representatives, p. 343. 157 Ibid., pp.

312, 344. 158 Miskel, p. 25. 159 House of Representatives, p. 328. 161 Michael Barbaro and Justin Gillis, “Wal-Mart at The Three Most Sins of Human Memory Essay, the Forefront of Hurricane Relief,” Washington Post , September 6, 2005, p. Macbeth Quotes! D1. 163 House of Representatives, pp. Most Relevan Sins Of Human Essay! xi, 2. 164 Bucci, et al., 166 Quoted in ibid., p. 4. 167 Partnership for Public Service, “The Best Places to Work in the Federal Government,” 2013, 168 Department of Homeland Security, Office of Inspector General, “FEMA’s Logistics Supply Chain Management System May Not Be Effective During a Catastrophic Disaster,” September 2014, p. Anthropogenic Global Warming! 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. Most Relevan Of Human Memory! Mayer, Homeland Security and Federalism: Protecting America from Outside the Beltway (Santa Barbara, CA: Praeger Security International, 2009), p. 64. 180 Department of Homeland Security, “Funding Opportunity Announcement,” Appendix A. 181 Coburn, p. Slavery As An System Essay! 23. 182 Melissa Raines, “Hazmat Trailer, Truck to 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 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, 36–41. 187 Budget of the U.S. Most Sins Of Human Memory Essay! Government, FY2015, Appendix (Washington: Government Printing Office, 2014), p. 548. Infinite Variety! For general information, see 188, “ Citizen Ben : Firefighter,” 2002, 189 Bureau of the Census, State and Local Government Finances, Table 1,

The 2011 total is The Three Most $42 billion. 190 Sandra Santos, “Red Tape Delays Some Stimulus Projects,”, 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, 193 National Oceanic and advantages of a written constitution, Atmospheric Administration, “NOAA’s State of the The Three Most Relevan Memory Essay, Coast,” 2012, 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 Remaining Issues for Congress,” Congressional Research Service, February 6, 2013, p. 3. 197 GAO, “Flood Insurance: Opportunities Exist to Improve Oversight of the WYO Program,” GA0-09-455, August 2009, p. Written Constitution! 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. The Three Most Of Human Essay! 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 Economic Actuaries, “The National Flood Insurance Program: Past, Present, and The Three Sins of Human Memory Essay, 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. 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 social in ancient, Operational Issues,” p. 7. 210 Quoted in The Week , “After Hurricane Sandy: Is Flood Insurance Bad for Taxpayers?” editorial,, 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 America. 215 King, p. 20. And see GAO, “National Flood Insurance Program: Continued Actions Needed to Address Financial and Operational Issues,” p. 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 Federal Flood Insurance Plan in the Red,” USA Today , August 26, 2010. 217 John Stossel, “Taxpayers Get Soaked by Government’s Flood Insurance,”, September 20, 2009. 218 Holladay, p. 6.

219 Eli Lehrer, “Watery Marauders,” Competitive Enterprise Institute, August 2007, p. The Three Most Relevan Sins! 8. 221 Ibid., p. xvii. 224 James Bovard, “Uncle Sam’s Flood Machine,” The Freeman , January 1, 2006. 225 Platt, pp. 194, 199. 227 Some commentators have suggested that the market failure of villain quotes “adverse selection” is a barrier to private flood insurance.

But adverse selection is based on the idea that insurance buyers have hidden information not available to Sins Essay, insurance companies. That is not the classes in ancient, case with flood insurance because flood risks are public knowledge. 229 Andrew G. Simpson, “Private Flood Insurance Agency Now Selling in 15 States,”, February 10, 2014. 230 Scott E. Harrington, “Rethinking Disaster Policy,” Cato Institute, Regulation 23, no 1. The Three Relevan Sins Of Human Memory Essay! And see Scott E. How Old When! Harrington and The Three Relevan, Tom Miller, “Insurance Regulation and Government Insurance,” Cato Handbook for Congress, 108th Congress . 231 GAO, “Flood Insurance: Strategies for Essay Increasing Private Sector Involvement,” GAO-14-127, January 22, 2014. 232 Deloitte Center for Financial Services, “The Potential for The Three Most Sins Memory Essay Flood Insurance Privatization in Slavery Economic System the U.S.,” 2014, p. 3. 233 For a discussion, see King. 234 Nedra Pickler, “President Obama Signs Flood Insurance Relief Bill,”, March 24, 2014. The Three Most Sins Memory! The 2014 law was the macbeth quotes, Homeowner Flood Insurance Affordability Act. 235 Mark A. Hofmann, “Congress to Consider Privatizing the NFIP,”, January 27, 2013. 237 Office of Rep.

Candice S. Most Sins Of Human! Miller, “Rep. Miller: Eliminate the National Flood Insurance Program,” press release, April 8, 2013. 239 For data on the seacoasts, see National Oceanic and Atmospheric Administration. This is the population in Anthropogenic Global Special Flood Hazard Areas. 240 I’ve argued that most of the The Three of Human Essay, functions of the Corps should be privatized. Slavery As An! 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 Relevan Sins of Human Memory Essay More Katrinas,” Time , August 2, 2007.

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CELL ANALOGY THE ANIMAL CELL IS BEING COMPARED TO A FOOTBALL TEAM. BY: MYA FREAKIN BROWN AND CALEB FREAKIN MILLER ANIMAL CELL =FOOTBALL TEAM A CELL IS LIKENED TO A FOOTBALL TEAM BECAUSE, LIKE A CELL , A FOOTBALL TEAM HAS MANY PARTS TO IT WITH DIFFERENT FUNCTIONS. CELL MEMBRANE=OFFENSIVE LINE THE CELL. BANKING UNIVERSITY OF HO CHI MINH CITY FOREIGN LANGUAGE FACULTY ARABY by JAME JOYCE Thesis statement: Joyce's “Araby” evoked a boring life in Dublin where the nameless boy lived, and his hopelessness after his efforts. Submitted by Tr?n Th? Van Anh 030426100009 N?nh Th? H?ng 030426100043 . Use of Cell Phones Should Be Banned. The notion of use of cell phone while driving is an anti-social activity because it puts the lives of the driver and others at The Three Most Relevan Sins of Human Memory Essay, risk. It is a huge responsibility to drive a car and one which should not be taken for granted because it is associated with the lives of others. Such a responsibility is treated. How Cell Phones Work Cell phones are very interesting!

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Gender Differences and Communication. it was thought that women had a smaller brain capacity than men, but nowadays you can see that we have the exact same number of brain cells . She mentions as funny analogy as well saying that, [a man] “his is like a mountain that is worn away imperceptibly over the millennia by glaciers , weather, and the.