Early Attacks On Democratic Norms

VICE Vault: Some religious organizations are protecting their wealth and political influence while threatening our country’s democratic norms – all with the aid of America’s political elite.
Showing posts with label pandemic. Show all posts
Showing posts with label pandemic. Show all posts

Insurance Industry

Auto Insurance Companies Made

Windfall Profits During Pandemic

Advocates call for policy change to better protect customers


    Illinois (PIRG) - 7/13/2022 - Auto insurance companies’ profits soared during the first year of the COVID-19 pandemic, as many Illinoisans were driving less and “sheltering in place.” The risks associated with driving plummeted but insurers did not lower premiums or offer rebates in proportion to the reduction in risk, according to new data released by the Illinois Department of Insurance recently.

    According to preliminary analysis, the new data is in line with previous estimates that insurance companies could still owe Illinois car insurance customers $896 million in pandemic relief. For example, the top four auto-insurance companies by Illinois market share – State Farm, Geico, Progressive and Allstate – charged customers $280 million more than needed to maintain their 2019 profitability, even after accounting for the $220 million they refunded customers in 2020.

    After overcharging customers, Illinois’ major insurance companies rewarded top executives with generous bonuses.

    “Moments of crisis are revealing. Auto insurers took the opportunity provided by the pandemic to charge their customers excessive rates and make windfall profits,” said Abe Scarr, director of Illinois PIRG Education Fund. “The General Assembly should give the Department of Insurance authority to review rate hikes and protect Illinois consumers.”

    While auto insurance companies were slow to reduce rates or provide rebates to customers because of the pandemic -- and those reductions and rebates proved inadequate -- they have been aggressively increasing rates in recent months, claiming that an uptick in crashes and inflationary pressure requires immediate price hikes. State Farm recently raised rates by 3%, only two weeks after a 5% increase. In January, Allstate hiked rates by 12%.

    Illinois regulators have no power to block or modify insurance rate hikes -- or to mandate reductions or refunds -- as regulators do in other states. California regulators, for example, ordered insurance companies to “close the gap” after initial pandemic rebates fell short. In March 2021, State Farm announced that it was sending its California customers an additional $400 million dollars in pandemic refunds “due to better than anticipated claims results” during the second half of 2020.

    Illinois state legislators say insurers need to do better.

    “I am appalled that these companies overcharged families sheltering at home and call on the insurers to issue additional refunds promptly,” said Illinois state Sen. Jacqueline Collins. “This is particularly important in Black communities like those I represent, where auto insurers indiscriminately charge higher rates."

    The new data is the result of a March Illinois Department of Insurance call for information documenting insurer profits, losses, and refunds given to consumers between 2019 and 2021. The call for information came in response to a January letter from nine advocacy organizations and 16 state senators asking the Department to take action. In May, the auto insurance industry challenged the Department’s authority to collect and publish such information, but the vast majority of insurers, including all the major ones, complied.

    Illinois PIRG Education Fund will perform more detailed analysis of the new data over the summer.

Driving Patterns

 Reckless Driving, Speeding,

Collisions Increase During

Pandemic, Data Shows


By Steve Rensberry 
RP News
___________

EDWARDSVILLE, Ill. - 12/20/2020 - Data collected from the location-sharing app Life360 suggests that while drivers in the U.S. may be driving less because of the pandemic, a higher percentage than normal are also driving more recklessly, speeding more and having more accidents.

Cars travel along U.S. 40. Photo by S. Rensberry

    In a Dec. 17 press release, the company shared data collected between March and December 2020 and compared it to the same period in 2019.

The San-Francisco-based company has an estimated 27 million active monthly users in more than 160 countries, according to an investor notice release in February. It was expecting to grow to 35 million by the end of this year. This study took into consideration only users within the U.S.

Key findings:

  • With social distancing measures, business closures and a shift to working and learning from home for many, members in the U.S. drove 16 percent less during the pandemic, per active user (917 miles in 2020 compared to 1,092 miles in 2019).
  • Life360 noted 10 percent more car collisions during the pandemic, per miles driven than the previous year. Collisions are detected by an app safety feature that recognizes when a user is driving more than 25 miles per hour and has been in an accident, either as a driver or passenger.
  • The average monthly dispatch of emergency vehicles increased by 8 percent during the pandemic. This was generated via the app’s Crash Detection feature, which dispatches emergency responders to the exact location of an accident when help is needed.
  • Speeding events, defined as accelerating beyond 80 miles per hour, increased by 12 percent during the pandemic.
  • Distracted driving, determined by how often members use their phone while driving, increased by 9 percent during the pandemic.

Other studies in addition to Life360's have show a rise in more dangerous driving incidents during the pandemic, including one study in April by telematics provider Geotab, which shows increases in commercial transportation speeds in major U.S. cities despite fewer drivers and less traffic congestion.

By the Numbers


COVID-19 Cases Surge; Countries

Struggle To Avoid Second Deadly Wave


Missouri and Illinois a Contrast in Severity, Approach


By Steve Rensberry 
RP News
___________

EDWARDSVILLE - (RP News) - 10/19/2020 - The COVID-19 pandemic is continuing to threaten the stability of countries around the world, including the United States, with the latest figures showing Europe and many other countries struggling to avoid a potentially devastating second wave amid a new surge in cases.

A graph of COVID-19 cases from statista
    According to statista data journalist Felix Richter, increased testing accounts only for portion of the increase in numbers.

Citing data from the World Health Organization, Richter writes: “According to the World Health Organization, daily new cases hit a new high of 394,501 on October 17, with the seven-day average quickly approaching 350,000. While the high number of new cases is partly due to a steep increase in testing compared to a couple of months ago, the most recent surge in new infections, with Europe at the forefront, cannot be attributed to testing alone.”

The total number of people who have contracted COVID-19 worldwide has now topped 40 million, leading to 1.1 million deaths.

On Oct. 18, Illinois officials reported just over 3,100 new cases of COVID-19 and 22 new deaths in the state. Since the start of the crisis, the state has recorded 347,161 infections, and 9,236 deaths.

Illinois Gov. J.P. Pritzker expressed concern on Monday that the state could be facing a new wave of the virus, citing increasing hospitalizations and positivity rates.

Missouri, meanwhile, has been reporting record numbers and positivity rates. As reported in this AP story, the state logged a record number of COVID-19 cases this past Saturday, with 2,357 infections, and 1,768 cases on Sunday. Total cases statewide are at 156,696, with 2,582 deaths.

Nationwide, the United States has experienced more than 8.4 million infections leading to 224,159 deaths (4 percent). Roughly 5.49 million people (96 percent) have been discharged or have recovered.

State of Science

 

Trust in Science Soars Amid 

Global Pandemic

 

ST. PAUL, Minn.- (BUSINESS WIRE) - 10/10/2020 - If the world’s biggest challenges are to be solved, science will lead the way.

That’s the takeaway from the annual 3M State of Science Index (SOSI). This year’s survey shows that the image of science is on the rise, sustainable solutions remain critical, barriers to STEM and gender/race inequality must be removed, and public/private partnerships are expected to solve issues that people care most about.

A screenshot from the 3M SOSI site.
“As people face the most challenging health crisis in our lifetime, science is more relevant, more trusted, and more important to people all over the world,” said Mike Roman, chairman of the board and chief executive officer, 3M. “Advocating for science is important to 3M, but it’s bigger than just us. We’re leaning in with a focus on the things people care most about: pandemic preparedness, sustainability, social justice, and STEM equity. The State of Science Index shows that people want and expect science to make lives better and these are important issues that are at the heart of 3M’s vision to improve every life.”

Against the backdrop of COVID-19, trust in science and scientists is the highest it has been in three years since SOSI first began. Today, 89%* of those surveyed trust science; 86%* trust scientists; 77% are more likely as a result of the pandemic to agree that science needs more funding; and more than half (54%*) agree science is very important to their everyday lives – a double-digit increase from the pre-pandemic data (44%*). Rounding out the picture, 92% of global respondents believe actions should follow science to contain the global pandemic, revealing another measure of trust in science.

The evolving image of science is a key theme to emerge from findings of SOSI -- a third party, independently researched study commissioned by 3M to track attitudes towards science. The latest SOSI survey was fielded in eleven countries throughout July and August of 2020, about six months into the global pandemic.


COVID-19 has made people more appreciative of what science can do

A world that has been increasingly skeptical of science seems to be waking up to its relevance and importance. In 2020, rising skepticism reversed for the first time in three years. People who stated, “I am skeptical of science,” dropped by 7 points to 28%* during the pandemic this summer, from its high of 35%* last year. Relatedly, respondents who only believe science that aligns with their personal beliefs is down six percentage points from when the question was first asked in 2018.

A renewed trust in science appears to translate into taking action too: more than half of those surveyed (54%) agree COVID-19 has made them more likely to advocate for science, whereas pre-pandemic data showed only 20% would stand up for science when debating its merits with others.

There is good reason to push for science advocacy because the needle hasn’t moved on everything. Nearly two-thirds (63%) rarely think about the impact science has on their everyday lives—and nearly one-third (32%) still believe their lives “wouldn’t be that different” if science didn’t exist.

Solutions remain critical: science, sustainability and social justice

There are negative consequences to a world that does not value science, according to 82% of those surveyed. When those who agree were asked about the top negative consequences of concern — topping the list of concerns is “a higher risk of health issues” (68%) – which is not surprising in a year dominated by COVID-19. But sustainability remains an important priority too, with “negative environmental impact” (67%) cited as the second most concerning consequence.

Similarly, when asked about issues people most want to solve for, finding a cure for emerging viruses (such as COVID-19) ranks at the top (80%), followed by finding a cure for other major diseases (62%). Outside of healthcare, social justice and the environment are among the greatest priorities. Social justice/STEM equity (advocating for racial equality in society and/or ensuring underrepresented minorities have access to STEM education) is the top non-health related issue (55%) - and addressing the effects of climate change is the second (51%).

But, who will the world count on to resolve these problems people care about in the future? The next generation of scientists, which must be more diverse and better engaged to truly address global challenges.

Race and generational barriers to STEM education threaten future advances

As a result of the pandemic, pro-STEM sentiment is even stronger: today, 74% are more likely to believe that the world needs more people pursuing STEM-related careers to benefit society, while 73% are more likely to believe a strong STEM education is crucial for students.

Unfortunately, too many people have been discouraged from pursuing science, especially younger generations; Gen Z respondents are three times more likely than their boomer counterparts to report being discouraged as K-12 students from pursuing science (28% adult Gen Zers, 24% millennials, 15% Gen X and 9% baby boomers).

The reasons for being discouraged reveal barriers that run deep: More than one-third of discouraged respondents (36%) say it was due to a lack of access to science classes in school, 34% were told they weren’t smart enough, and 27% point to inequalities in gender, race and/or ethnicity as the problem; in the U.S., this issue is especially high, at 50%.

“We’ve learned from this year’s study and from previous years that people want and need science to solve global challenges,” said Dr. Jayshree Seth, corporate scientist and chief science advocate at 3M. “It has never been more important to enable bright, motivated students from all walks of life to reach their full potential and achieve their dreams through careers in STEM,” Dr. Seth continued. “Attracting the next generation of scientists starts with access to education and motivating students to pursue STEM. The science community – and therefore the world – will only benefit from a greater diversity of talent across gender, racial and ethnic lines.”

Businesses and governments have to work together 

The pandemic has uncovered perceived gaps in science leadership around the world, but it has also revealed opportunities to make a difference. A vast majority of survey respondents around the world believe governments need to lead the way -- 86% say governments should be more involved in containing the spread of COVID-19. In the same way, they also look to governments to address challenges such as affordable healthcare (86%), food safety (86%), improving air quality (85%), and ocean plastics pollution (84%).

While governments are deemed the single most responsible organization, a combination of non-government entities emerge as viable partners (corporations, non-profits, and individual citizens) to help address challenges like climate change (48% non-government** vs. 52% government). For racial inequality, respondents are split 52% non-government** vs. 48% government; and for equal access to STEM education for underrepresented minority groups, the split is 38% for non-government** vs. 62% for government.

Importantly, 53% of respondents believe that, amid major challenges in 2020, corporations should prioritize collaborating with governments for solutions to global challenges — second only to preparing for future pandemics (61%).

3M will host a live media briefing and panel discussion on Tuesday October 6th at 2.20pm ET, to talk about the State of Science in 2020, insights behind the findings, and their implications to society with scientists from 3M; the American Association for the Advancement of Science; the UNCF; and the University of Texas at Austin. To register and join the live panel event, please click here.

For more information about the 2020 SOSI Pre-Pandemic and Pandemic Pulse survey results, please visit www.3M.com/scienceindex.

Survey Methodology

3M’s State of Science Index presents two waves of original, independent and nationally representative (based on census demographics) research in 2020, both conducted by global research firm Ipsos through a combination of online and offline interviews.

Pre-Pandemic Wave: The 2020 Pre-Pandemic Survey was conducted in 14 countries among 1,000 general population adults (18+) in each of the following countries: Brazil, Canada, China, Germany, India, Japan, Mexico, Poland, Singapore, South Africa, South Korea, Spain, UK and the US. At the 95% confidence level, the margin of error is +/- 0.83 percentage points at the global, 14-country level and +/- 3.1 percentage points for each individual country.

Pandemic Pulse Wave: The 2020 Pandemic Pulse was conducted among 1,000 general population adults (18+) in 11 of the 14 countries from the 2020 Pre-Pandemic Survey. Countries excluded from this pulse include India, Mexico, and South Africa. At the 95% confidence level, the margin of error is +/- 0.94 points at the 11-country level and +/- 3.1 percentage points for each individual country.

To compare across all years of SOSI, a 9-country tracking average was used which has a margin of error of +/- 1.04 percentage points. Countries within this average include Brazil, Canada, China, Germany, Japan, Poland, Singapore, UK and the US.

2020 Pre-Pandemic survey results were fielded in August - October 2019, and 2020 Pandemic Pulse results were fielded in July - August 2020.

Cybercrime

Report: Pandemic Stirs

63% Spike In Cyber Attacks

Security Efforts, Priorities Lag Behind


By Steve Rensberry
RP News
-------------------

ISSA graphic. One survey response.
   EDWARDSVILLE, Ill. - (RP NEWS) - 8/1/2020 - A newly released report from the Information Systems Security Association (ISSA) and Enterprise Strategy Group (ESG) says the COVID-19 pandemic has presented a “once-in-a-lifetime opportunity,” for cybercriminals, and cites the results of a survey showing a 63 percent increase in cyberattacks since the crisis began.
   The survey was conducted by the two groups, culminating in a report representing input from some 364 cybersecurity and IT professionals.
   “COVID-19 had a wide-ranging impact on individuals on the security staff. With 84 percent of cybersecurity professionals working exclusively from home during the pandemic and almost two-thirds believing that their organizations will be more flexible with work-at-home policies moving forward, COVID-19 has personally impacted cybersecurity professionals in their jobs and in their lives,” Senior Principal Analyst and ESG Fellow Jon Oltsik stated in the July 30, 2020 release. “This is in addition to the ongoing impact on organizations and security teams from the yearly worsening problem of the cybersecurity skills shortage,” Jon Oltsik, Senior Principal Analyst and ESG Fellow. 
   An associated report, The Impact of the COVID 19 Pandemic on Cybersecurity, is available here.
   Highlights of the report, as noted in the release:
  •    Organizations were only fairly prepared for the global pandemic. Thirty-nine percent of respondents claim that they were very prepared to secure WFH devices and applications while 34 percent were prepared. Twenty-seven percent were underprepared. Therefore, the pandemic drove rapid changes, changing workloads, and new priorities.
  •    COVID-19 and WFH are driving improved collaboration. Slightly more than one-third of organizations have experienced significant improvement in coordination between business, IT, and security executives as a result of COVID-19 issues and 38 percent have seen marginal relationship improvements.
  •    COVID-19/WFH have had an impact on cybersecurity professionals and their organizations alike. The research indicates that COVID-19 has forced cybersecurity professionals to change their priorities/activities, increased their workloads, increased the number of meetings they have had to attend, and increased the stress levels associated with their jobs. Meanwhile 48 percent say that WFH has impacted the security team’s ability to support new business applications/initiatives.
  •    Most organizations don’t believe the pandemic will increase 2020 cybersecurity spending. Only 20 percent believe that COVID-19 security requirements will lead to an increase in security spending in 2020, while 25 percent think their organizations will be forced to decrease security spending this year. Where they expect their spending to increase, at least half pointed to priority areas being identity and access management, endpoint security, web and email security, and data security.
  •    COVID-19 may impact cybersecurity priorities. ESG/ISSA believes that while it is noteworthy that 30% of the cybersecurity professionals participating in this project say that cybersecurity will be a higher priority, 70% report that they don’t know or don’t believe that this crisis will lead to cybersecurity becoming a higher priority.
   ISSA International Board President Candy Alexander expressed surprise that cybersecurity has not become more of a priority after all that has happened.
   “While it’s promising to see that the majority of organizations were able to handle the COVID-19 pandemic fairly well, it is surprising that we are not seeing an increase in cybersecurity spending or prioritization following this event,” Alexander said. “If anything this should serve as a wakeup call that cybersecurity is what enables businesses to remain open and operational. Organizations prioritizing cybersecurity as a result of the pandemic will likely emerge as leaders in the next wave of cybersecurity process innovation and best practices.”
   The increase in cyber attacks and cybercrime has been noted by several news outlets, over the past couple of week especially.
   “Large swaths of the global economy have shut down during the global COVID-10 pandemic, but cybercriminals haven't been taking any time off. On the contrary, cyberattacks actually spiked during the first half of 2020 with attackers finding new ways to exploit the conditions brought on by widespread lockdowns,” writes Freelance Journalist Cynthia Harvey in a June 24, 2020 article for Information Week, available here: 10 Cyberattacks on the Rise During the Pandemic.
   Harvey cites an FBI spokesperson as saying the Internet Crime Complaint Center received close to the same number of complaints as of May 28 this year that they had for all of 2019.