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Giving Every Child A Chance: The Need For Reform And Infrastructure In Intercountry Adoption Policy, Rachel J. Wechsler
Giving Every Child A Chance: The Need For Reform And Infrastructure In Intercountry Adoption Policy, Rachel J. Wechsler
Rachel J. Wechsler
This essay is both descriptive and normative in nature. Its purpose is to describe the current intercountry adoption regime along with its problems, and to propose a much-needed solution. At the outset, the paper explains the great need for intercountry adoption, highlighting empirical research on child development. Secondly, it gives an overview of past and present international adoption policy. Thirdly, the essay describes the problems in the current policy regime. Finally, it proposes an international agency and Family Court as a new approach to intercountry adoption that will solve many of the failures of the current system.
Against Financial Literacy Education, Lauren E. Willis
Against Financial Literacy Education, Lauren E. Willis
Lauren E Willis
The dominant model of regulation in the United States for consumer credit, insurance, and investment products is disclosure and unfettered choice. As these products have become increasingly complex, consumers’ inability to understand them has become increasingly apparent, and the consequences of this inability more dire. In response, policymakers have embraced financial literacy education as a necessary corollary to the disclosure model of regulation. This education is widely believed to turn consumers into “responsible” and “empowered” market players, motivated and competent to make financial decisions that increase their own welfare. The vision is of educated consumers handling their own credit, insurance, …