Is Your California House Actually in a Fire Zone?
California's fire map shows hazard. Your insurer prices risk. They aren't the same thing — and the difference is where a homeowner's money is made or lost.
Zesht principle
Local knowledge matters
Parents know things about their children that a state capital does not. Homeowners know things about their neighborhoods that a statewide formula does not. Prices contain information that regulators may not possess. Centralization can produce scale. It can also distance decisions from the people affected by them. Zesht examines both.
Is Southern California “Overdue” for the Big One? What the Odds Actually Say
People talk about earthquakes like buses. Elapsed time does nudge the odds up — but faults keep no schedule, and your address matters more than the countdown clock.
What If Education Money Followed the Student?
California already pays schools per student — with a lag for districts and a catch for wealthy ones. We compared LAUSD, Irvine, Beverly Hills, Santa Monica-Malibu and three charter networks.
Why Do Iranians Keep Finding Each Other?
A Persian grocery, then a kebab restaurant, then six real-estate agents. Behind the joke is one of economics' most powerful forces: network effects.
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