Excerpt From This Story From The New York Times:

As Insurers Around the U.S. Bleed Cash From Climate Shocks, Homeowners Lose
nytimes.com
It’s not just California and Florida now: Insurers are losing money around the country. It means higher rates and, sometimes, cancellation n
Excerpt From This Story From The New York Times:
Excerpt From This Story From The New York Times:

Excerpt from this story from the New York Times:

At first glance, Dave Langston’s predicament seems similar to headaches facing homeowners in coastal states vulnerable to catastrophic hurricanes: As disasters have become more frequent and severe, his insurance company has been losing money. Then, it canceled his coverage and left the state.

But Mr. Langston lives in Iowa.

Relatively consistent weather once made Iowa a good bet for insurance companies. But now, as a warming planet makes events like hail and wind storms worse, insurers are fleeing.

Mr. Langston spent months trying to find another company to insure the townhouses, on a quiet cul-de-sac at the edge of Cedar Rapids, that belong to members of his homeowners association. Without coverage, “if we were to have damage that hit all 17 units, we’re looking at bankruptcy for all of us,” he said.

The insurance turmoil caused by climate change — which had been concentrated in Florida, California and Louisiana — is fast becoming a contagion, spreading to states like Iowa, Arkansas, Ohio, Utah and Washington. Even in the Northeast, where homeowners insurance was still generally profitable last year, the trends are worsening.

In 2023, insurers lost money on homeowners coverage in 18 states, more than a third of the country, according to a New York Times analysis of newly available financial data. That’s up from 12 states five years ago, and eight states in 2013. The result is that insurance companies are raising premiums by as much as 50 percent or more, cutting back on coverage or leaving entire states altogether. Nationally, over the last decade, insurers paid out more in claims than they received in premiums, according to the ratings firm Moody’s, and those losses are increasing.

The growing tumult is affecting people whose homes have never been damaged and who have dutifully paid their premiums, year after year. Cancellation notices have left them scrambling to find coverage to protect what is often their single biggest investment. As a last resort, many are ending up in high-risk insurance pools created by states that are backed by the public and offer less coverage than standard policies. By and large, state regulators lack strategies to restore stability to the market.

Insurers are still turning a profit from other lines of business, like commercial and life insurance policies. But many are dropping homeowners coverage because of losses.

Tracking the shifting insurance market is complicated by the fact it is not regulated by the federal government; attempts by the Treasury Department to simply gather data have been rebuffed by some state regulators. 

The turmoil in insurance markets is a flashing red light for an American economy that is built on real property. Without insurance, banks won’t issue a mortgage; without a mortgage, most people can’t buy a home. With fewer buyers, real estate values are likely to decline, along with property tax revenues, leaving communities with less money for schools, police and other basic services.

And without sufficient insurance, people struggle to rebuild after disasters. Last year, storms, wildfires and other disasters pushed 2.5 million American adults out of their homes, according to census data, including at least 830,000 people who were displaced for six months or longer.

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2 years ago
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2 months ago

qijiu thoughts: complicated codependence

after reading a few more shen jiu fics i figured maybe the diverging point when it comes to fan-interpretation is understanding how codependent qijiu is. like, it's not just qi-ge who won't let go of shen jiu, shen jiu 100% spitefully, unwillingly yet helplessly refuses to let go of qi-ge either. the obvious author answer to this is for sj to remove himself from qi-ge because of toxic codependence (see my rant on anti-qijiu pro-sj fics), except i don't think it's in-character for him to ever do so??

the man literally died twice because he couldn't let go of qi-ge until the very, very end. he'll never give up on him as easily as he does in fic, this man is a canonical stubborn asshole who can't let go of anything. that's his entire problem lol

(first time was obviously after lbh gave him xuan su's shards. sj, who had spent the entire time being tortured refusing to bend, cracks at the realization that qi-ge came this time and died. i forgot if him eating xuan su's shards is canon in the qijiu extras or if it's a fanon theory, but i 100% find this in-character of sj to do as a final f*** you to the universe.)

(second time was the qi deviation that caused shen yuan to take over his life. i'll go over this later, but i believe sqh, who transmigrated decades before, likely tried to nudge qijiu into reconciling and instead made it worse. so while in the og!pidw universe, sj never deviated hard enough to die; in this svsss universe, sqh trying to get sj to face his own heart demons literally caused him to die. oops. system got pretty mad because lbh MUST go into the abyss, and so had to scramble to find a sj replacement lol)

preface

much of this is my own interpretation of things btw. i haven't read the qijiu extras in a while so it's very possible some of these things don't follow canon. especially the whole cognitive dissonance part. i've always leaned towards the 'shen jiu is an unreliable, in-denial narrator of his own story, he can't admit anything to himself until he's literally at death's door' interpretation of sj's tsundereness, so that's 100% my own bias peeking through here.

how qing ding peak made everything worse

this a fanon theory i like that has merit given how long qijiu had problems: things would've been so much different if yue qi wasn't chosen by qing ding. like, literally any other peak, qijiu would've had 75% chance of having a happy ending. i feel like any peak with a halfway decent lord with basic empathy skills would have thought 'hmm yes, if we rescue the friend of this little prodigy we can ensure his loyalty to us for life' instead of 'let's dangle the chance of rescuing his friend as a way to get this kid to work as hard as he can until it's too late, then allow the failure to break him down completely so we can reshape him into the perfect successor.' though to be honest the former sect leader probably didn't expect yue qi to literally be broken down.

my thought is that the sect leader kept putting off the rescue over and over, hoping to drag things out until the inevitable happened. but yue qi, naturally wary of adults, panicked once he realized what his shizun was doing. he tried to pull xuan su without permission to force the leader into acknowledging his strength and letting him go... which then led to the entire soul-binding fiasco we see in canon. sure, the former sect leader could've lost his newest experiment, but throwing him into the caves had the bonus of making him late anyway. so a success all around everyone!

we can further theorize the character of the previous sect leader (and how his grooming of yue qi possibly led to his guilt complex and inability to communicate his honest feelings) but ultimately it was qing ding peak's teachings itself that led to yqy's inability to reconcile with sj. because qing ding is the diplomat's peak. the politics peak. the peak where people often cannot say exactly what they mean, must never overtly show favor to anyone, must control every single thing they do or say else the political fallout ruins their sect's reputation.

so it really didn't help that their reunion happened in the middle of sj committing pretty bad crimes like murdering and looting disciples. yue qi went immediately into political clean-up mode, sj misunderstood yue qi's silence as 'i will never tell you' instead of 'not now sj we need to bury these bodies in the bushes', and then later sj was so scornful yue qi's guilt-complex kicked in and he figured 'sj will never forgive me, obviously he doesn't want to hear excuses.' and as yue qi's political position grew, the less he could overtly support and protect shen jiu. the more careful he was of his words and actions, so far removed from the qi-ge sj once knew that sj can't help but lash out. by the time yqy was mentally well enough to talk about the lingxi cave fiasco (if ever), sj had already built up a protective wall of 'this qi-ge is an imposter, the real qi-ge would not have left me.' and yqy didn't know how to tell him the truth without sj's psyche collapsing in on itself. so... he just continued not to tell him.

in which qi-ge is alive but also dead, as declared by shen jiu

sj barely recognized qi-ge once they reunited. yue qi has always been the peacemaker amongst the rowdy slaves, sure, but he'd always been on sj's side. he told sj everything, things he never told the other slaves, and only really clammed up when they were facing beatings by adults in a true us-versus-them scenario. now, however, he's clamming up with shen jiu. he hates it, this intrinsically qi-ge thing that this fake qi-ge doesn't realize he's doing. more than the shiny clothes and well-fed appearance, this is what makes the chasm between them feel real. qi-ge never came back for him, because qi-ge was dead. cang qiong killed qi-ge and all that's left is this qi-ge puppet going through motions of caring for sj it obviously doesn't understand.

(this is easier for him to accept, because if yue qi wasn't mentally dead than he really did willingly abandon shen jiu in the dirt, and accepting that would make shen jiu lose his mind.)

now what to do when qi-ge is dead and he doesn't need sj to protect him anymore? logically, sj should've stayed long enough to fix his cultivation, save up funds, and then leave to become a rogue cultivator before his past had the chance to catch up to him. but sj is not logical. he's spiteful and angry and contrary. he claws his way up the disciple hierarchy on qing jing and spits in the face of yue qi's awkward overtures. he hates the other qing jing disciples, his own shizun, lqg and a bunch of the other head disciples; in fact, he hates cang qiong as a whole because they were the ones that took qi-ge away from him. but at the end of the day, a dead qi-ge puppet is still kind of qi-ge and even if qi-ge threw sj away that didn't mean the reverse was true. sj will not give even a dead puppet qi-ge up; he belongs to him whether he likes it or not (/spitefully).

so as it becomes clearer and clearer that yue qi will indeed become the next sect leader, sj begrudgingly finds himself stuck in cang qiong. one would think things would get better after the former peak lords ascend, since that meant the evil brainwashing sect leader and the resentful qiu-naming qing jing peak lord would've finally fucked off. but no, things actually get worse.

because now that the former sect leader isn't actively sabotaging qijiu's relationship (sure, he didn't mean to break yue qi's mind that bad, but even the worst broken eggs can be turned into a decent obedient successor, except shen jiu's continued existence is threatening to undo all his hard work) yue qi is more able to try and make overt amends. the problem is, by acting more like the real qi-ge, he's threatening sj's mental defense of 'qi-ge is dead, this qi-ge is a fake.'

when cognitive dissonance gives you qi deviations

the more qi-ge acts like he's honestly sorry, the more shen jiu must accept that qi-ge isn't dead. that he either chose to leave sj behind (devastating given sj's abandonment issues) or was forced to leave sj behind and refused to tell him why (more abandonment issues; does he not trust sj anymore??) worse for peak morale, the more overtly sj rejects yqy, the more annoyed the other peak lords get. doesn't sj know how bad it looks for their sect, to have their top two lords fighting like this?? why is yqy not shutting it down, isn't he a politician?

well yes, but as sect leader he now has the freedom to pick and choose when to put his politicking hat on. lqg follows sqq to a brothel and causes a ruckus in the middle of the street? scold sqq for being so overt, because they both know the best way into the brothel is through the back via code word! they learned how to sneak into brothels as street kids ages ago and sqq could have totally done so discreetly! argue with lqg but refuse to explain himself? sqq please, he can't take your side for no reason, especially in front of all these peak lords who already knows he favors you!!

and because shen jiu is facing the cognitive dissonance of qi-ge's... qi-ge-ness, he sets up tests rigged to fail no matter how yqy responds. this way he is always right! if yqy sides with sj, sj's annoyed because he's clearly trying to placate him like a child. if yqy sides against sj, he's obviously choosing to abandon sj again!!

yqy is fully aware of the trap because yqy is a trained politician capable of reading social cues (and sj hasn't changed all that much from when they were kids, he still has that same spiteful edge to him yqy is so fond of). he intentionally falls for them because (1) he deserves to be hated by sj and (2) being hated by sj keeps him from lashing out too much at the other peak lords. yqy is very used to sj's temper tantrums, it's when he lashes out at other people that things become unmanageable.

(during the latter half of their rule over cang qiong, i feel that yqy learned to stop actively chasing reconciliation. he came around for tea and present-giving, kept things civil, and still let sj get away with all kinds of terrible things. he fell for all of sj's traps with his eyes wide open and it infuriates sj, everything about this drives him mad. he doesn't want this soft, unspoken affection, because this was how qi-ge used to handle sj's tsundereness back when they were on the streets. it's another sign that qi-ge is still qi-ge, and this fact brings sj both selfish comfort and undeniable agony.)

it's an awkward balancing act that continues to sour sj's reputation with the other peak lords, but it's mostly manageable until sqh sticks his nose into their business and pushes sj over the edge.

how transmigrators ruin everything

"maybe yqy did something impulsive, did you think of that? why can't you forgive him, he tried so hard? aren't you tired of being angry all the time?" bitch no, sj has been keeping the worst of the qi deviations away for years by performing mental gymnastics around his walls of denial stOP KNOCKING THEM DOWN. Even worse, lbh arrives on the peak and shen jiu hates him. not just because he's got all the potential shen jiu had stolen away from him, but he's so glad to be here. he's making his mother proud. all while shen jiu was dragged here essentially against his will, trapped himself in this bamboo prison out of spite, and then realized the dead thing he's been looking after for decades isn't dead after all. that qi-ge actually did, for realsies, leave him at the qius. that all these overtures, the silent acceptance of his faults, everything could just be out of guilt (qi-ge is ashamed of him) and not out of a ghost reenacting its former lingering affection (the real qi-ge would've still loved him.)

the dissonance, abandonment issues, frustration and everything culminates in a devastating qi deviation. ironically, now that yqy's rule is mostly secure and sj's reputation has soured enough to start negatively affecting the sect, sj finally feels safe enough to let go. in this moment of emotional clarity, sj finally releases qi-ge from his grasp and decides to die.

that was not supposed to happen.

qi-ge's no good, very bad sacrifice

in another universe where og!sqh was too busy plotting to betray cang qiong mountain, the frosty and emotionally charged stand-off between yqy and sj continues for years. then, lqg dies. i'm torn between yqy believing sj killed lqg or not. either way, i don't think he'd be 'disappointed' in sj as portrayed in some fics. i also don't think it would infuriate sj that yqy thinks he's capable of killing lqg, because if anyone knows how much of a murder kitten shen jiu is, it's yqy. maybe he's offended yqy thinks him dumb enough to kill him in such a sloppy way. maybe he's even more offended that this turns the other peak lords against him and yqy just lets it happen.

or maybe (through my qijiu-tinted glasses) it pisses him off that yqy does tell the peak lords that they should all stand together, and the other peak lords ignore him and hate sj anyway. they're disrespecting yqy because they think he is compromised, and sj worked too goddamn hard to solidify yqy's position to have it undone by a murder he didn't even do.

(ironically, if lqg was alive he'd tell the other peak lords to f*** off for disobeying yqy. lqg's canon respect for yqy is something i feel needs more acknowledgement, likely because i feel half the reason they don't get along is because of sj's utter disrespect of their sect leader. who cares if sj is a street rat or the son of a wealthy family, no one disrespects yue-shixiong!)

now the story of sj's road to becoming lbh's plaything is a well-worn track that everyone knows. i do subscribe to the idea that sj took one look at huan hua's eagerness, lbh's vendetta, and yqy's recklessness and made the same decision he did in the svsss verse: he'd rather qi-ge be free (happy) than dead. this is a battle he cannot win, and he'll be damned if he lets lbh drag cang qiong down with him. when yqy promises him he'll save him from the water prison, sj spits in his face and tells him for the final time that xiao jiu and qi-ge are both dead. he let sj go decades ago, and now sj is letting qi-ge go in return.

sj faces the torture with the tenacious spirit of someone who'd withstood worse torture for years. in fact, he's a bit impressed by lbh taking revenge on him the same way sj took revenge on qiu jianluo. either way, even with more than 50% of his body missing, sj faces his fate in utter defiance. and then lbh shows up with xuan su.

the reveal of qi-ge's failed rescue and demise was devastating for a lot of reasons. most obviously, sj's sacrifice to keep cang qiong safe from the fallout was a failure. everything he'd done and sacrificed to keep qi-ge safe, all the scorn he'd borne as the hated qing jing peak lord was thrown away because qi-ge wanted to be a moron.

the other reason why sj broke was because qi-ge did come for him. he simply failed. and the tiny part of him that always suspected qi-ge was still qi-ge now has confirmation that all those years ago, qi-ge likely did the same. he came for him at the qius, but he failed. the only difference now is lbh's willingness to tell him the truth vs. yqy's decades-long silence. the only difference now is that yqy is actually, physically dead.

sj has been living on borrowed time ever since he looked the new yqy (fake qi-ge) in the eyes and allowed himself to be brought to cang qiong mountain. everything he did was to elevate himself into a position where no one could hurt him (and qi-ge) anymore, the same way he'd acted back when they were on the streets. now that he was in this state and qi-ge was dead, his time was clearly up. and sj refuses to let lbh have the last laugh. as much as he respected lbh for his ruthlessness, it's not enough to stave off sj's spite. he didn't let qjl control him in the end, and he won't let lbh do so either.

final thoughts

some last, disorganized thoughts on qijiu's relationship

rather than yqy telling sj what happened, i think showing him the scars all over his body would be much more impactful. sj knows how worthless words can be; he's likely prefer being able to touch each scar and check the meridians for himself. yqy doesn't need to say a word, his entire body is a testament to the torture he'd endured.

ironically, sj fixing up cang qiong as a tactician and his personal refusal to put himself in weak situations made yqy incapable of showing his care through action. all of his crises were political/reputation-based/etc. all things qing ding's teachings guaranteed yqy to fail all his speech-checks. and yqy is definitely not the type of person to engineer a false crisis just to swoop in to save sj... not because of any moral reasons, but because risking sj in any way would be absolutely unacceptable. in yqy's world, it's sj > the sect > good morals. he does have good morals, yes, but he's also pragmatic and self-aware enough to know when to put the things he cares about first.

there was a theory i read before about yqy and sj's trauma responses being to shut down and say nothing in the face of accusations, and i agree with this. saying nothing often netted less punishment than 'making excuses.' even without this coping mechanism, the mental trauma of having his mind and body broken could've easily stopped yqy from being able to even speak around the topic for years. if he doesn't talk about it and no one sees his scars, he can pretend it never happened. sj's scorn of him is forever a sign that it did happen, but that's fine, he's always made exceptions for shen jiu.

i don't really know where the uncomfortably-creepy-no-boundaries yqy towards sy came from? in the original novel sy clearly like yqy and views him in a positive, big-brother-shape light. even towards the end of the novel when yqy confesses, sy feels more guilty for being an imposter than angry that yqy failed sj. yqy even steps aside for lbh thinking 'well, at least sqq is happy now' because that's what he wanted for sj for so, so long. for him to be happy, even if that meant forgetting qi-ge.

(the no-boundaries thing is something i disagree with in general, because i think yqy's political and social training would make that very unlikely. he doesn't call sqq xiao-jiu as often as he does in fics, i think he did so in canon because he was delirious and exhausted post-drawing-xuan-su. i figured qijiu's latter years cooled off a bit as yqy realized direct overtures weren't working and went the coaxing-stray-cat route to everyone else's befuddlement.)

does qi-ge know sy is not sj? i can go either way with this. the theory that he does know but he's repressing it out of his own mental wellbeing is intriguing; but so is him assuming sj losing his memories means sy is a different person. which means he's always been happier without qi-ge. either way, i do believe yqy no longer views sqq-y the same as sqq-j. after the first few years post-qi-deviation, i think yqy is emotionally mature enough to realize sy is here to stay and that the sj he once knew (either because of his lost memories or whole-soul transplantation) is gone.

i am a qijiu shipper, but i do also like platonic qijiu. my only prerequisite for any other-ship-jiu fic is some kind of qijiu reconciliation. i honestly don't think either of them would have good romantic relationships unless they fix their own relationship first. qi-ge can't marry someone, that would remove sj from being the most important person on qi-ge's list. despite scorning him, sj being number one is one of the only things holding sj together throughout their divorce era. sj cannot marry anyone because that would give qi-ge the false impression that sj is happy and qi-ge is now free. and qi-ge is not allowed to be free. he will belong to sj for as long as sj wants and nothing is allowed to interfere with that impression. lol both of these are sj-based, but sj's always been the dominant party in this relationship. whether or not qi-ge is jealous of sj's new lover is irrelevant; as long as sj is happy, the og!sj-simp qi-ge is also happy.

i have too many qijiu thoughts and not enough time to write a fic about them, alas. i find their relationship fascinating and very integral to their personalities no matter the au or ship.

2 years ago
🌸 Comfy Loungewear Set // Thank You For 2k!
🌸 Comfy Loungewear Set // Thank You For 2k!
🌸 Comfy Loungewear Set // Thank You For 2k!
🌸 Comfy Loungewear Set // Thank You For 2k!

🌸 comfy loungewear set // thank you for 2k!

hello! first of all, thank you for following my simblr and making this milestone happen!

as i’ve been creating more content over time, i decided to establish a dedicated patreon page for my cc. i don’t have any plans in terms of tiers at the moment - but stay tuned for updates regarding that later (if there are any lol)!

back to the loungewear set! i wanted to create more comfy outfits, plus i was also inspired by some cute color combos which i saw online :)

🌸 download + info under the cut!

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4 months ago
River Monsters

River Monsters

Prints

2 years ago
NOLA BLOUSE By Simstrouble

NOLA BLOUSE by simstrouble

Everybody wanted this, admit it 🌼

Base Game Compatible

45 swatches in EA’s orginal swatches + my Troublemaker Palette + random patterns

All LODs, Morphs, All Maps, 3k poly

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2 years ago
🌸 In Bloom Collection
🌸 In Bloom Collection

🌸 In Bloom collection

I’m very excited to bring you this cc pack, I poured so much love into it I really hope you can feel it coming through ♡ I spent a ridiculous amount of time perfecting the hair tuck, but it paid off (❀•‿•)

16 new bgc items

3 hairstyles - 35 colors

shoes, dress, bow, tops - 27 colors

bottoms - 27 denim colors

tights - 10 colors each

bow overlay as » toenail polish «

LODs, maps, thumbnails, color-tagged - you name it, you got it

disallowed for random

more of #my cc

Psst! You can use these overlays with Nadine :D

Download under the cut - early access (public June 19th 2022) RELEASED

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3 months ago
Dog Doodle

Dog doodle

2 years ago
°˖✧🌼Daisy Set🌼✧˖°
°˖✧🌼Daisy Set🌼✧˖°

°˖✧🌼Daisy Set🌼✧˖°

Hello!! Hope everyone is having a pleasant day. I have another set for you. Since it is summer, I wanted to do something colorful and flowery this time 🌞🏵 

The set includes 11 items:

♡ 1 Mug | Decor | 5 Swatches  

♡ 1 Bowl | Decor | 9 Swatches

♡ 1 Cup | Decor | 10 Swatches  

♡ 1 Daisy Vase | Plant | 4 Swatches  

♡ 1 Daisy Mirror | Mirror | 9 Swatches  

♡ 1 Acrylic Vase | Plant | 10 Swatches  

♡ 2 Marbled Plates | Decor | 5 Swatches

♡ 1 Triple Decor | Candle | 10 Swatches

♡ 1 Daisy Candle | Candle | 10 Swatches

♡ 1 Bubble Candle | Candle | 13 Swatches  

They are BGC and have custom thumbnails. As always, let me know If you run into any issues. Enjoy! ꕤ 

━ ❀ Daisy mirror was suggested on Pinterest, I thought it would be perfect for this concept and added it. Thank you Elvenrose for that! ❀ ━

•˚₊· ͟͟͞͞➳❥ Download on my Patreon

.•°✧Early Access until July 24th✧°•.


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4 months ago
Happy Year Of The 🐍

happy year of the 🐍

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    creativitycache liked this · 1 year ago
iconstasher - this is a side blog 😩
this is a side blog 😩

archive????

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