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Unraveling the mysteries of insurance markets, Liran Einav, Amy Finkelstein, and Ray Fisman explore such issues as why insurers want to know so much about us and whether we should let them obtain this information; why insurance entrepreneurs often fail (and some tricks that may help them succeed); and whether we’d be better off with government-mandated health insurance instead of letting businesses, customers, and markets decide who gets coverage and at what price.

An examination of how America’s colleges have become an intellectual hell on Earth for anyone who wishes to think rationally and seek truth and wisdom, as well as a plan for how young citizens can claim and safeguard the learning and heritage to which they are entitled.

Debtors have been mocked, scolded, and lied to for decades. We have been told that it is perfectly normal to go into debt to get medical care, to go to school, or even to pay for our own incarceration. We’ve been told there is no way to change an economy that pushes the majority into debt while a small minority hoard wealth and power. The coronavirus pandemic has revealed that mass indebtedness and extreme inequality are a political choice. In the early days of the crisis, elected officials drew up plans to spend trillions of dollars. The only question was: who would benefit?

People say that they trust scientists, yet evidence often takes a back seat to emotions. In fact, for issues that cause the loudest public furor - like vaccine safety - there is almost no debate in the scientific community. This audiobook examines the science behind today’s most contentious debates - including gun control, GMOs, and evolution, as well as strategies for understanding and coping with denialism.

In this important book, an eminent authority presents a new perspective on affirmative action, investigating its actual consequences in the United States and in other countries where it has been in effect. Evaluating his empirical data, Thomas Sowell concludes that race preference programs worldwide have not met expectations and have often produced the opposite of what was originally intended.

As administrators, teachers, and parents struggle to help children make sense of our racially and politically polarized nation, Hagerman offers concrete examples of the kinds of interventions necessary to help kids learn how to become members of a multi-racial democracy and to avoid the development of far-right thinking in the white youth of today. Children of a Troubled Time expands our understanding of how the rising generation grapples with the complexities of racism and raises critical questions about the future of American society.