After World War II, banks and other mortgage lenders began requiring insurance to protect them against flawed or defective real estate titles. Over the past sixty years, the title insurance industry has grown steadily in size, power, and secrecy: policies are available for both lenders and property owners and many title insurers offer an array of other real estate services, such as escrow and appraisal. Yet details about the industry’s operational procedures remain closely guarded from public exposure. In The American Title Insurance Industry, Joseph and David Eaton present evidence that improvements in recordkeeping over the last sixty years—particularly the advent of computers—have reduced the likelihood of a defective title going unnoticed in a property transaction. But the industry’s flaws run deeper than mere obsolescence: in most states, title insurers are allowed to engage in anticompetitive business practices, including price-fixing. Among the findings in this meticulously researched study are instances of insurers charging premiums well above the amount necessary to compensate them for assuming the risk of defect and identical policies with identical risk that vary in price by hundreds of percentage points for different geographic locations. The authors also examine the widely ignored role that the federal and most state governments play in perpetuating the title insurance industry’s unfair practices. Whereas most private industries prefer as little government intervention as possible, title insurers welcome it. Federal statue exempts title insurers from anti-trust liability, opening the door for price-fixing and destroying any semblance of free-market competition or market power for consumers. A landmark study for elected officials, and all those involved in the insurance, real estate, and brokerage industries, The American Title Insurance Industry brings to light a long-neglected problem—and offers suggestions for how it might be remedied.
A study of how ordinary people deal with everyday problems through self-mastery and mental health care practices. Everyday suffering—those conditions or feelings brought on by trying circumstances that arise in everyone’s lives—is something that humans have grappled with for millennia. But the last decades have seen a drastic change in the way we approach it. In the past, a person going through a time of difficulty might keep a journal or see a therapist, but now the psychological has been replaced by the biological: instead of treating the heart, soul, and mind, we take a pill to treat the brain. Chemically Imbalanced is a field report on how ordinary people dealing with common problems explain their suffering, how they’re increasingly turning to the thin and mechanistic language of the “body/brain,” and what these encounters might tell us. Drawing on interviews with people dealing with struggles such as underperformance in school or work, grief after the end of a relationship, or disappointment with how their life is unfolding, Joseph E. Davis reveals the profound revolution in consciousness that is underway. We now see suffering as an imbalance in the brain that needs to be fixed, usually through chemical means. This has rippled into our social and cultural conversations, and it has affected how we, as a society, imagine ourselves and envision what constitutes a good life. Davis warns that what we envision as a neurological revolution, in which suffering is a mechanistic problem, has troubling and entrapping consequences. And he makes the case that by turning away from an interpretive, meaning-making view of ourselves, we thwart our chances to enrich our souls and learn important truths about ourselves and the social conditions under which we live. Praise for Chemically Imbalanced “Chemically Imbalanced is an excellent addition to the works in social sciences and humanities that examine the distress of ordinary Americans from the second half of the twentieth century onward, a period when commercialized pills and the psychology-based notion of self-improvement entered the minds of Americans.” —Metascience “Chemically Imbalanced raises important questions, offers new insight into the power and reach of the biomedical model and neurobiological thinking, and I highly recommend it. I encourage readers to assign it, especially in graduate-level mental health and illness classes—or any class looking for a discussion on people’s experiences with suffering and the broad impacts of biomedical thinking and treatment.” —Social Forces
Logistic Regression Models presents an overview of the full range of logistic models, including binary, proportional, ordered, partially ordered, and unordered categorical response regression procedures. Other topics discussed include panel, survey, skewed, penalized, and exact logistic models. The text illustrates how to apply the various models t
In this comprehensive study of the art of drawing with a pen, artist and author Joseph Pennell highlights his opinionated "technical suggestions" with more than 400 illustrations by 250 famous artists, including Titian, Dürer, Rembrandt, Rodin, Manet, Renoir, Beardsley, Pyle, Hiroshige, van Gogh, Rackham, and other masters from around the globe. Each of the high-quality reproductions is accompanied by a critique of its style and execution and occasional comparisons to the artist's other works and those of contemporaries. Featured images range from landscapes by Titian, Rembrandt, and Corot to figure studies by Dürer, Goya, and Rodin and portraits by Manet and Matisse. The tremendous variety of subjects extends to street scenes by Toulouse Lautrec and van Gogh, episodes from literature envisioned by Rossetti, Burne-Jones, and Millais, and decorations by Crane and Morris. A visual treasure trove and valuable reference, this volume will serve as an enduring source of instruction and inspiration for artists of all skill levels.
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