A professor who teaches what I do for a living, which is insurance law, they don't know more about the subject than I do. I know more than they do, because what they do is teach generally. They have a casebook and they go through it every year. I spend 10 hours a day, 12 hours a day, 300 days a year, working on the subject.
Basically, unemployment insurance will be handled much like welfare benefits, where there is an electronic debit card. Unemployment insurance benefit recipients will be given the option of having their unemployment payments directly deposited in their own bank account as they do now, basically or money can be deposited in a debit card account, and they can use it at any automated teller machine.
The Texas Windstorm Insurance Association is considerably under funded in the event a major hurricane makes landfall in Galveston or Corpus Christi. Last year TWIA had a 130 million deficit as a result of losses caused by Hurricane Rita and that would be a drop in bucket had the storm hit Galveston.