Staff R Street Senior Fellows

Ike Brannon Don Brown [email protected] Don is a former state representative in the House of Representatives. Senior fellow and director of research for R Street. In this role, he directs R Street’s research projects across a broad Joel Nitzkin array of subject areas, including regulation, public health, Joel is a public health physician, board certified in preventive medicine, with a the environment, entitlements reform, tax policy and the master’s degree in public health and a doctorate in public administration. federal budget.

Christian R. Cámara R Street Associate Fellows [email protected] R Street’s Florida director and a co- founder of the David Frum institute. He previously held the same position with the The Daily Beast ’s Center on Finance, Insurance and A CNN contributor and the former editor of FrumForum.com, David Real Estate. served as a special assistant to President George W. Bush from 2001 to 2002.

David Marlett Julie Drenner Appalachian State University [email protected] David is editor of the CPCU eJournal and former director of the Brantley Risk R Street’s Texas director and a co-founder of the institute. and Insurance Center. She previously held the same position with the Heartland Institute’s Center on Finance, Insurance and Real Estate. Lawrence Mirel Wiley Rein LLP Larry was commissioner of the District of Columbia’s Department of Insurance, Securities and Banking from 1999 to 2005. R.J. Lehmann [email protected] Peter Cramton Senior fellow, public affairs director and co- founder of University of Maryland R Street. He is an award-winning business journalist with nine years experience covering the insurance, banking Peter has studied auction theory and practice since 1983, focusing and securities industries, and is author of R Street’s “2012 particularly on the design of spectrum, electricity and treasury auctions. Insurance Regulation Report Card.” John Norquist Eli Lehrer Congress for the New Urbanism [email protected] John served as mayor of Milwaukee, Wis., from 1988 to 2004. President and co-founder of R Street, overseeing its central headquarters in Washington, D.C., as well as its field of- Lars Powell fices in Tallahassee, Fla.; Columbus, Ohio; and Austin, University of Arkansas-Little Rock Texas. The associate editor for the Journal of Insurance Regulation, Lars’ primary areas of research include insurer capitalization and the effects of regulation on insurance markets. Andrew Moylan [email protected] Brad Rodu Outreach director and senior fellow for R Street, where he University of Louisville heads coalition efforts, conducts policy analysis and serves Brad’s research focuses on substituting safer tobacco products by smokers who as the organization’s lead voice on tax issues. are unable or unwilling to quit smoking with conventional cessation methods.

Scott Richardson Richardson & Ritchie Consulting Erica Schoder Scott was director of the South Carolina Department of Insurance. [email protected] Operations director of R Street. Prior to joining R Street, Erica was for eight years the owner and operator of Epilogue Book Co. Board of Directors R Street is overseen by an independent advisory board the board sets the organization’s major policies and exercises fiduciary oversight. The president of R Street serves as ex officio chairman of the board: Alan B. Smith [email protected] Eli Lehrer, R Street, (Ex officio) Co-founder, Midwest director and a senior fellow for the Ms. Ryan Alexander, Taxpayers for Common Sense R Street Institute. He was previously Ohio director of the Heartland Institute. The Hon. Robert Bennett, former United States Senator Mr. Michael Cohen, Renaissance Reinsurance The Hon. Bob Inglis, Energy and Enterprise Initiative The Hon. Jeff Judson, Judson Associates Web Resources Mr. David Frum, Newsweek/Daily Beast, Vice Chairman Mr. Steve McManus, Rstreet.org: R Street’s home page collects the institute’s policy studies, policy briefs, op-eds and blog posts by R Street scholars, media citations of our work, press releases and a directory of our staff and fellows. http://rstreet.org/ Legislative Advisory Board

InsuranceJournal.com: R Street maintains a blog – Right Street – hosted by A legislative advisory board, made up of state legislators from around the Insurance Journal, one of the oldest and largest trade publications serving the prop- country helps to advise R Street leadership on state-level legislative issues. erty and casualty insurance industry. The blog focuses on P&C insurance topics, Its members are as follows: notably residual markets, catastrophe funds, reinsurance, taxation, regulation and international trade. Sen. Joel Anderson (R-CA) http://www.insurancejournal.com/blogs/right-street/ Sen. Kevin Bacon (R-OH) Sen. Alan Hays (R-FL) Word on the Street Blog: Our daily blog on Rstreet.org, featuring analysis and commentary from all of R Street’s staff on a host of major public policy issues. Del. Michael Hough (R-MD) http://rstreet.org/word-on-the-street-blog/ Rep. Jason Isaac (R-TX) Sen. Minority Leader Bill Payne (R-NM) Rep. Kim Koopelman (R-ND) Rep. Don Vaughan (D-NC)

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cians’ neo-classical palaces from neighborhoods where people live, work, fall fall work, live, people where neighborhoods from palaces neo-classical cians’

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R Street is a national think tank with headquarters in Washington, D.C. D.C. Washington, in headquarters with tank think national a is Street R

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- ef an in work its does government sure making cerned—passionately—with matic solutions to domestic policy challenges involving regulation, public health, health, public regulation, involving challenges policy domestic to solutions matic

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as R Street looks to thinkers like John Stuart Mill, Friedrich Hayek, Milton Milton Hayek, Friedrich Mill, Stuart John like thinkers to looks Street R as

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imposed on credit unions. credit on imposed

pragmatic, fiscally and environmentally responsible reforms to U.S. farm policy. farm U.S. to reforms responsible environmentally and fiscally pragmatic,

legislation that proposes raising the member business lending cap currently currently cap lending business member the raising proposes that legislation

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of Arkasas-Little Rock, this paper finds that legislation proposing a federal federal a proposing legislation that finds paper this Rock, Arkasas-Little of

Authored by R Street Associate Fellow Lars Powell, the at the University University the at the Powell, Lars Fellow Associate Street R by Authored difficult to build traditional mixed use residential-commercial districts. residential-commercial use mixed traditional build to difficult

An Analysis of Earthquake Affordability Act Affordability Earthquake of Analysis An it make that incentives lending federal and covenants restrictive removing to

Street Associate Fellow John Norquist, the Live/Walk/Work coalition is dedicated dedicated is coalition Live/Walk/Work the Norquist, John Fellow Associate Street

pose lesser health risks than smoking. than risks health lesser pose

Live/Walk/Work: Live/Walk/Work: Spearheaded by the Congress for New Urbanism and R R and Urbanism New for Congress the by Spearheaded

Administration, finding that certain tobacco and nicotine products products nicotine and tobacco certain that finding Administration,

growing body of data, including several studies from the U.S. Food and Drug Drug and Food U.S. the from studies several including data, of body growing environment.

published by R Street and the Heartland Institute, this paper explores a a explores paper this Institute, Heartland the and Street R by ­ published Co- natural the for consequences negative have also that policies and spending

How Should Insurers Treat Tobacco Use? Tobacco Treat Insurers Should How and Friends of the Earth devoted to identifying and targeting wasteful federal federal wasteful targeting and identifying to devoted Earth the of Friends and

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environmentally harmful federal spending. It is produced by Friends of the the of Friends by produced is It spending. federal harmful environmentally industry and against protectionist trade and tax proposals. tax and trade protectionist against and industry

Green Scissors 2012 recommends nearly $700 billion in cuts to wasteful and and wasteful to cuts in billion $700 nearly recommends 2012 Scissors Green to advocating for continued and increased competition within the insurance insurance the within competition increased and continued for advocating to

Green Scissors 2012 Scissors Green devoted tanks think and associations trade insurers, advocates, consumer groups,

Coalition for Competitive Insurance Rates: Rates: Insurance Competitive for Coalition A coalition of business business of coalition A

effective and efficient government. efficient and effective

natural catastrophe policy. catastrophe natural limited, through insurance regulating of job best the doing are states which

to approaches sound ­ fiscally- ­ responsible, environmentally- of favor in united A state-by-state study of the U.S. insurance regulatory system, examining examining system, regulatory insurance U.S. the of study state-by-state A

SmarterSafer: Card Report Regulation Insurance 2012 voices of chorus diverse a of up made coalition national A

following are just a few of the active coalitions in which the institute is a partner. a is institute the which in coalitions active the of few a just are following follows: 2012 of half

spectrum to amplify its message and leverage its influence on public policy. The The policy. public on influence its leverage and message its amplify to spectrum second the from projects research major our of sampling A topics. policy

R Street actively seeks broad coalition partners from across the ideological ideological the across from partners coalition broad seeks actively Street R public of variety wide a on reports and studies original produces Street R

Coalitions Research Detailed