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Where the Mississippi River nears its end, sits a city that nearly faced its own end.“It’s a different kind of place,” said Louisiana native Hosea LaFleur.Nearly 15 years after Hurricane Katrina, New Orleans remains a city where the past never strays too far from the present. The storm is still felt by every homeowner here on their homeowners’ insurance bills.After the storm, insurance companies no longer wanted to offer homeowners insurance in parts of Louisiana that were vulnerable to hurricanes. They thought it was a money-loser.So, the state created Citizens Insurance. Initially controversial, it was funded by all the property owners in the state, including people who didn’t live anywhere near the damaged areas.“That certainly was a hard sell for those folks,” said Louisiana Insurance Commissioner Jim Donelon.Louisiana’s Citizens Insurance eventually helped stabilize the insurance market after Katrina and attracted more than 30 new insurance companies to the state. The number of homeowners on Citizens has also since plummeted, from 174,000 in 2008 to about 38,000 today, representing about 0.4 percent of the market there.“The policyholders are contributing fees, as well as the companies writing business contribute fees,” said Joey O’Connor, owner of the O’Connor Insurance Group and president of the Independent Insurance Agents and Brokers of Louisiana.Hosea LaFleur’s coastal home is on Citizens Insurance.“Just fell in love with it,” he said of the home. “Fell in love with the people, the things, the atmosphere.”It’s been hit by hurricanes twice: first Katrina in 2005 and then Gustav, three years later.“Knocked our walls down, everything down,” LaFleur said.Despite the repeated rebuilding, he wouldn’t dream of giving it up.“It's home to us,” LaFleur said. “We love it. We love everything about it.”Robert Allen is an adjunct professor at the School of Professional Advancement at Tulane University. His courses specialize in risk management and threat assessments. “That's going to start adding up,” he said, of rebuilding in vulnerable natural disaster areas. “Who foots the bill at the end of the day? You do. I do. Everybody else does.”Last year, the U.S. experienced 14 separate billion-dollar natural disasters: two hurricanes, two winter storms, eight severe storms, wildfires and a drought.From California wildfires to Midwest floods to coastal hurricanes, Allen said that as some insurance companies pull back from covering some areas, taxpayers will need to figure out if they want to keep footing the rebuilding bill.“At the end of the day is going to come down to money,” he said. “I mean, how much money is being put into that and at what point again do you decide this is enough?”Allen said one idea that’s been floated is to create a federal natural disaster insurance program, similar to the national flood insurance program. Taxpayers everywhere would be responsible for keeping it solvent.“There was talk or there is some kind of undertones about doing that with all hazards threats -- like doing that with the fires and just underwriting some of this stuff,” Allen said.It’s a challenge that taxpayers will have to confront, if they chose to rebuild areas hit over and over again by nature’s fury. 3259

WALTON, Ky. — Shortly after Our Lady of the Sacred Heart and Assumption Academy in Walton, Kentucky, reported 32 cases of chickenpox at the elementary school, a high school student filed a lawsuit against the Northern Kentucky Health Department, claiming it had directed Assumption Academy to bar him from participating in extracurricular activities because he had not received a vaccine. School and health officials have been working to contain the outbreak since February, said Dr. Lynne Saddler, the district director of health for the Northern Kentucky Health Department. According to the suit, which was filed in Boone County Circuit Court, 18-year-old Jerome Kunkel's battle with the health department started then. He and his parents had always declined the vaccine because of his conservative Catholic faith. Although the modern chickenpox vaccine does not contain any fetal tissue, it and several others were developed in the 1960s using cell lines derived from a pair of aborted fetuses. “Among other fundamental and deeply held religious beliefs of Mr. Kunkel, and the beliefs of his family, is that the use of any vaccine that is derived from aborted fetal cells is immoral, illegal and sinful,” the suit reads.The first case of chickenpox at Our Lady of the Sacred Heart Elementary School, which was detected in mid-February, spurred the Northern Kentucky Health Department to inform the parish that its students could not participate in or attend extracurricular activities unless they were found to be immune from the virus, according to the suit.Students subsequently not found to be immune, including Kunkel, were then barred from extracurriculars. The lawsuit alleges the health department’s epidemiology manager made derisive comments about Kunkel's faith and enacted the ban due to a specific religious animus. Later, when additional cases of chickenpox were discovered, additional bans were enacted. In an email cited in the suit, the epidemiology manager describes them as being for the protection of the public.By Friday, the health department had announced that all Sacred Heart and Assumption students without proof of vaccination or proof of immunity will not be allowed to go to school until 21 days after the onset of rash for the last person to have chickenpox. All games, events and activities are also canceled until 21 days after the last person is infected. Kunkel's lawsuit alleges these actions are infringements on his right to freedom of religion and expression. It seeks to end the bans and recoup legal costs.Instances of people 2616

What happened to one of the most valuable pieces of paper in history? Did it get thrown away? Did its holder die? Is the ticket in someone's coat pocket?The Greenville News 185

Tyson Hellmich recently became the new owner of a "smart house" in a "smart community."“The technology, obviously, was a huge part of our decision. Every house gets one-gig internet, and that’s nothing we’ve ever experienced before,” Hellmich said.From high-speed internet to automated coffee makers, smart homes are popping up throughout the country. And just how smart the home can be depends on how much you want to spend.“The smart home features are highly dependent on your own investment,” Hellmich said.There’s also technology outside of the home that’s part of the community. Irrigation sensors can detect when grass needs to be watered, and streetlights are used to alert the community of a significant weather event or safety hazard.“They have a little LED light on top of each one of them that can change colors,” Hellmich said.The definition of a smart community depends who you ask.“A smart community is really an innovative community looking for new technologies and partnerships with folks like Arrow to solve problems in a different way,” Colorado Smart Cities Alliance Executive Director Tyler Svitak said.Using the latest technologies, Svitak says these communities can tackle problems that arise with transportation, air quality, water conservation and energy efficiency. For example, in the case of a water main break, people used to not know the main had burst until their street was flooded.“Now we can predict that before it happens by putting sensors underground, and monitoring that leakage over time to prevent that water main break from happening in the first place,” Svitak said.There aren’t a lot of metrics on the number of smart communities already in place across the nation.According to Svitak, the term was coined in 2010 and really started to explode in 2016, when the federal government gave cities million to spend on smart technology.“It’d be hard pressed to find a major city or a mid-sized city not working on smart solutions,” Svitak said.The most critical part of a smart community is connectivity.Walker Hinshaw is the COO of Lumiere, the technology provider for a smart community in Colorado called Sterling Ranch. He says "fiber" is the technology being used to connect everything in these new communities, making internet speeds faster than ever.“Fiber’s really that passive component in the system, so as the electronics get better and better, we’re going to be able to have faster and faster speeds out here,” Hinshaw said.As technology improves, smart city enthusiasts believe life can get better, too.“Developers are realizing that there’s a huge return on investment for residents to better monitor their water or their energy, or improve the safety of their community by making sure the police can respond more quickly to an incident," Svitak said. "Maybe there’s even a camera that’s able to detect a traffic accident before anyone can pick up the phone and dial 911.” Hellmich believes it’s the future of housing and he’s looking forward to witnessing how it changes day-to-day life.“As technology progresses, it’s inevitable for it to make its way more and more into our homes,” Hellmich said.  3172

UPDATE: Mexican authorities say they now believe the suspect previously arrested in connection with the Mormon family attack was 141