Author Archives: B Merritt

Who pays the cost of flooding?

This post was contributed by Dr Diane Horn, Department of Geography, Environment and Development Studies and former visiting scholar at Old Dominion University’s Climate Change and Sea Level Rise Initiative, and Michael McShane, associate professor of finance and co-director of the Emergent Risk Initiative at Old Dominion University. It was originally published by the Pilot.

The U.S. National Flood Insurance Programme is facing rough seas  ahead. The programme is about $26 billion in debt after Hurricane Katrina in 2005 and Sandy in 2012. Worse, a large percentage of US property owners are heavily subsidized and do not pay full, risk-based rates. In addition, flood insurance is required only for certain property owners in high-risk flood zones.

No private insurance scheme would survive in a market where only the high risk buy insurance and do not pay risk-based rates.

The insurance programme has survived for 45 years because it can borrow from the U.S. Treasury when flood payouts are more than the amount paid in by policyholders, paying back the loan with interest in years where there aren’t many floods.

This worked pretty well until the 2005 hurricane season and the massive payouts after Katrina. Since then, much of the programme’s income has gone to cover interest on the debt, with little available to pay the debt down. The situation has resulted in calls for fiscal responsibility and the end of subsidies for all high-risk properties.

In this case, however, the “solution” has caused more problems. The Biggert-Waters Flood Insurance Reform Act of 2012, which aims to phase out these subsidies, has created another set of angry constituents – property owners who are experiencing big increases in their flood insurance premiums.

Bipartisan bills in Congress would delay the move toward risk-based rates. The programme finds itself between a rock and a hard place: those who are calling for fiscal responsibility and the end of the subsidies, and those who are having a hard time affording the new rates.

Ongoing research, part of the Climate Change and Sea Level Rise Initiative at Old Dominion University, is looking at how other countries deal with flood losses in the search for solutions to this dilemma.

Our research started by comparing flood insurance in the United States and the United Kingdom, where flood insurance is completely handled by private insurers. In the U.K., flood insurance is included as part of standard homeowners’ policies. This avoids one of the big problems in the U.S., where even people who live in the floodplain don’t buy flood insurance.

Including flood damage as part of a single policy would solve another U.S. problem: determining whether wind or water caused the property damage. Hurricane Katrina shone a light on this problem. If wind caused the loss, it was covered by the homeowner’s insurance policy. If storm surge caused the loss, the flood insurance programme policy would pay.

However, the use of private insurance in the U.K. doesn’t solve the problem of subsidies. Just like in the U.S., British property owners who live in the floodplain pay a lower rate than they should because flood insurance is subsidized. The difference is that in the U.K., subsidies come from other policyholders; the government doesn’t pay anything toward the cost of flood damage.

The U.K. is moving to a new flood insurance system, however. Under the new scheme, policyholders outside flood-prone areas will pay around $17 per year to make the rates more affordable for the high flood-risk policyholders. Rates will still be high in flood-prone areas but not so high as to be unaffordable, at least not initially. The system is designed to end subsidies in 20-25 years, unlike the U.S., where the national flood insurance subsidies are ending over a five-year period.

In the U.S., some are calling for private insurers to take over the flood insurance programme. However, you would be hard pressed to find a private insurer interested in offering flood insurance. Private insurers could not survive in an insurance market where only those most at risk buy flood insurance; they would need to charge even higher rates for those high flood risk policyholders than the national programme charges. The premium shock would be even worse, and Congress would be under even more pressure to step in and reduce rates.

Floods aren’t going to go away, and whenever a flood occurs, someone has to pay to repair the damage. Even with flood insurance, most policyholders don’t pay a price that reflects their true risk, and most flood insurance policies are subsidized to some extent. The real question is who pays the subsidy.

The U.K. experience shows that leaving everything to the private sector doesn’t work, but the U.S. experience shows that leaving everything to the public sector doesn’t work, either. We need to come up with the right mix of contributions from government, individuals and insurance companies – before the next Katrina or Sandy comes along.

Dr Horn and Dr McShane’s paper Flooding the Market” was published in the November edition of the journal Nature Climate Change.

A Violent World of Difference

Dr Heike BauerThis post was contributed by Dr Heike Bauer, Senior Lecturer in English and Gender Studies in the Department of English and Humanities. Her project, Magnus Hirschfeld and the Shaping of Queer Modernity, is funded by an AHRC Fellowship. Follow her on Twitter.

My project began with a curious textual encounter. There is a ‘conspiration of silence’ about homosexual persecution I read in one the earliest studies of male and female homosexuality, Die Homosexualität des Mannes und des Weibes (1914). At over a thousand pages in length, the book by the Jewish doctor and sexual reformer Magnus Hirschfeld (1868-1935) is arguably the most substantial modern work on the topic. Like most of Hirschfeld’s publications, it is written in German, but nevertheless contains many English phrases. As someone who – like Hirschfeld’s readership in the early twentieth-century – moves freely between German and English, I had not paid much attention to his occasional switches between languages. Yet the encounter with Hirschfeld’s mistranslation of ‘conspiracy’ made me pause and wonder about the role of translation in his work. Why did Hirschfeld turn to English in his accounts of the lives of women and men whose same-sex desires rendered them ‘anders als die andern’: different from the others?

Photo: Heike Bauer

Photo: Heike Bauer

Hirschfeld, a trained doctor who had also studied literature and languages at several European universities, is one of the most prolific and influential modern sexologists. He is best known today for his homosexual rights activism, foundational studies of transvestism and opening of the world’s first Institute of Sexual Sciences in Berlin in 1919. A well-known figure amongst contemporary writers and artists, his work was international in scope and outlook. He travelled extensively between the 1890s and 1920s, gathering information about the lives of queer women and men from around the world and forging friendships with colleagues in Europe, the U.S., Asia and the Middle East. My interest in Hirschfeld initially focused on the international dimension of his work, for his many connections provide compelling new insights into the global networks of exchange that shaped debates about sexuality across the modern world  (I explored these international links in a Wellcome Trust funded project on Sexology and Translation: Scientific and Cultural Encounters in the Modern World, 1860-1930)

Hirschfeld’s reference to the ‘conspiration of silence’ that smothers debates about the persecution of homosexuality shifted my research into a new direction. It made me realize that there is a gap in scholarship on the modern history of sexuality: for while we know of many queer lives which have ended tragically as a result of legal persecution, violent attack or the inability to cope with heteronormative social and emotional pressures, we know surprisingly little about the traumatic impact of this suffering on the lives of their contemporaries, and on the shaping of modern queer culture more broadly.

As someone trained in literary studies, my research is built around close readings of texts and their contexts. Paying attention to where English phrases appear in the German narrative – ‘conspiration of silence’ is just one of many such examples (although most of them are in flawless English ) – opened my eyes to an archive of little known accounts of lesbian and homosexual injury, persecution and suicide, and it pointed me to evidence of how this suffering was received by the women and men who identified in some form with the victims.

I found that next to his well-known theorizations of what he called ‘the third sex’, Hirschfeld was also a chronicler of the effects of hate and violence against lesbians and homosexual men and other groups of people. Publishing both in German and English and influenced by his literary as well as medical training, he wrote, for example, about the death of Oscar Wilde and how it affected homosexual men at the turn of the last century; he conducted the first statistical surveys of lesbian and homosexual suicide; and he published books on war, nationalism and racism in which he collated evidence of different forms of collective discrimination and their impact on individual lives.

Conrad Veidt and Magnus Hirschfeld in Anders als die Andern (dir. Richard Oswald, 1919), a film about homosexual blackmail featuring Hirschfeld. It ends with the tragic suicide of the blackmail victim. Screenshot.

Conrad Veidt and Magnus Hirschfeld in Anders als die Andern (dir. Richard Oswald, 1919), a film about homosexual blackmail featuring Hirschfeld. It ends with the tragic suicide of the blackmail victim. Screenshot.

A Violent World of Difference examines these writings and Hirschfeld’s own suffering and its reception– he was both verbally and physically attacked and his Institute was destroyed in a Nazi raid in 1933 – for the insights it provides into the role of violence in the shaping of modern queer culture.  The project discusses sexological literature, literary and popular culture, film and photography to demonstrate that traumatic experiences had a significant impact not only on the individuals subjected to them but also on the shaping of a collective identity.

By paying attention to how queer suffering was understood and received in the U.K, Germany and the U.S., the project further traces the transnational contours of modern queer culture to reveal that violent attacks on lesbians and homosexual men created emotional shockwaves that rippled far across the geopolitical boundaries of the modern world.

As part of the project, I will be leading a series of workshops and symposia on homophobia and literature, queer suicide, and on working with feelings in the history of sexuality. Please contact me if you would like to hear more about this work: h.bauer@bbk.ac.uk

Stoicism for Everyday Life

This post was contributed by Dr John Sellars of Birkbeck’s Department of Philosophy.

Stoicism-PhilosophyLast year I joined a group of academics and psychotherapists who met at the University of Exeter to think about ways in which ancient Stoic philosophy might help people today (short film here). If that sounds like a slightly odd project, it may seem less so in the light of the fact that the founding figures behind modern Cognitive Behavioural Therapy (CBT) openly cited Stoicism as a source of inspiration. Via CBT, Stoicism has been secretly helping millions of people cope with the stresses and strains of modern life.

Our aim, though, was to turn to the ancient Stoics themselves and in particular to the writings of three famous Roman Stoics: Seneca, Epictetus, and Marcus Aurelius. The works of these three philosophers are full of practical advice and guidance designed to help people work towards the ultimate goal of well-being or happiness. The Stoics claim that this depends upon us developing an excellent, virtuous, rational state of mind. External things like money, status, career, fame, and the like are all very well but none of them can guarantee a happy life. In fact the excessive pursuit of these things might actually get in the way of reaching that goal. Many of our negative emotions result from attaching value to these things and the Stoics suggest we can overcome these by thinking again about what we value and why.

The Stoics offer a variety of reflective and meditative techniques aimed at embedding Stoic values into our routines. But will these actually help us to lead better and happier lives? We decided to try to find out. Last year we set up a ‘live like a Stoic for a week’ experiment with a small group of students in Exeter. Via the power of social media other people followed the project too.

This year we are rolling out the experiment properly: Stoic Week will take place 25 November to 1 December 2013. Visit the project’s website for further details and to download the handbook, which will be available shortly before the week starts. To coincide with this we are also putting on a public event at Birkbeck on 30 November 2013 called Stoicism for Everyday Life. This will include talks about the project, a roundtable discussion between academics and authors on issues raised by the project, followed by a series of smaller interactive group sessions exploring a range of topics connected with the project. Come along and see how Stoicism could change your life!

Exploring Intercultural Communication: Language in Action

This post was contributed by Professor Zhù Huá, of Birkbeck’s Department of Applied Linguistics and Communication. Professor Huá’s book, Exploring Intercultural Communication: Language in Action, is published by Routledge.

In a recent episode of Downton Abbey, Mr Carson, the butler of the house and a master of etiquette, met the black jazz singer Ross for the first time. Overcome by Ross’s skin colour, he struggled with words. All he could come up with was ‘Have you considered visiting Africa?’

Those days of social and cultural compartmentalization of different racial groups are long gone.  We meet, interact and build relationships with ‘others’ who may look different, speak different language(s) or are guided by different values from ‘us’, either by choice or by chance in various social spaces, due to a bundle of processes including globalisation and technological advances. Intercultural Communication Studies, pioneered by the American Anthropologist, Edward Hall, in the 1950s to research the cultures of the ’enemies’ of the US at that time, are primarily interested in understanding how people from different cultural and ethnic backgrounds interact with each other, and what impact such interactions have on group relations, as well as individuals’ identities, attitudes and behaviours.

Intercultural communication naturally entails the use of language and language is key to understanding culture. When you offer tea to a visitor and she says ‘no, thank you’, how do you know that she is not just being polite or ‘indirect’? After all, in some parts of the world such as East Asia, declining first before accepting someone’s offer is the preferred norm of behaviour. When a student remains ‘quiet’ and ‘passive’ in the classroom, how much can we attribute non-participation to the cultural factor and can we assume active participation means success?  We all seem to know students who are quiet in the classroom but produce excellent course work!

Going to the commercial side of things, does it surprise you that Häagen-Daz ice cream is not Danish, but made in Minneapolis, US? Why is ‘Frenchness’ commodified and displayed for sale through popular books  ‘French women do not get fat’, ‘French women do not sleep alone’ and ‘French parents do not give in’?  What led to the closure of Tesco branches in the Unites States and China? When you travel to a new place, how do you think of the general advice offered by some tourist websites and guidebooks on culturally specific etiquette, customs, practices and national character? Are they helpful or do they merely reinforce cultural stereotypes? I have come across a website offering advice on touring in China. It says ‘Chinese people are inherently shy and modest. They do not display emotion and feelings in public and find speaking bluntly unnerving.’  For a cultural insider, these comments seem very foreign.

Yet, sometimes culture is blamed when it should not be. Last December, a news story appeared in many English language newspapers.  It was alleged that the newly appointed Swedish ambassador to Iran, Peter Tejler, insulted the Iranian President Mahmoud Ahmadinejad by ‘exposing the soles of his shoes’ when he was sitting with his legs crossed during a formal meeting. The Atlantic Wire has gone one step further and invited an expert from the University of West Florida to explain that it was a taboo in the Muslim culture to show the sole of a shoe, because soles are ‘considered dirty, closest to the ground, closer to the devil and farther away from God’. However, a number of Iranian students and scholars I talked to following the incident found the news headline bewildering, to say the least. They attested that similar to many other cultures, it was nothing unusual to sit with legs crossed in their home culture and whether exposing soles or not was not a problem at all. With their help, I traced back to the Arabic newspaper, Asriran, where the news first appeared. It turned out that the Swedish diplomatic was frowned upon not because he exposed the sole of his shoe, but because he breached a diplomatic etiquette by sitting too comfortably and crossing legs in a formal diplomatic meeting.

Exploring Intercultural CommunicationIntercultural communication permeates our everyday life in many different and complex ways. In the book, Exploring Intercultural Communication: Language in Action (published by Routledge, 2014), I use a ‘back to front’ structure, starting with the practical concerns of intercultural communication in five sites – language classroom, workplace, business, family and studying/travelling abroad. I then focus on the question ‘how to communicate effectively and appropriately in intercultural interactions’. In the third part, I go behind the questions of what and how and examine key theories, models and methodological considerations in the study of intercultural communication.  The main message of the book, I believe, is that intercultural communication provides an analytical lens to differences we see and experience in our daily social interactions with other people who may look different from us, speak a different language, or speak the same language in a different way.