Free the Floodplains!

Refugee camps save lives in emergencies – but often refugees languish there for decades. Two columns on programs that allow refugees to live normally in cities, with an ATM card taking the place of a camp.

Most insurance companies avoid insuring poor farmers because the transaction costs are too high, but a non-profit in Kenya created a sustainable way to cover them.

New Orleans implemented an extraordinary 10-year plan that engaged unprecedented cross-sector collaboration between government, non-profit, and private entities to provide housing and housing services to the city's homeless veterans. The city's success in providing homes for every single veteran formerly on their streets motivated cities across the nation to tackle the crises using similar means, leading to a 1/3 decline veteran homelessness since 2010.

Neighborhood Trust is a New York-based nonprofit offering financial advice to individuals experiencing economic hardships. Providing hands-on coaching, counselors are able to inform their clients about financial options they may have otherwise not known about like college financial aid or child care tax credits.

By the 1980s, Roxbury and north Dorchester had been devastated by the disinvestment and white flight of the 1960s and 1970s. Racist banking and housing policies (“redlining”) had segregated people of color from opportunity, barring them from getting home loans except in certain neighborhoods. So the Dudley Street Neighborhood Initiative (DSNI) brought together residents to develop their own comprehensive plan to revitalize their community, building a community food system along the way.

The militarization of police forces in cases such as Ferguson, Missouri’s riots has led the state of Utah to question what can be done to prevent such an overuse of force from happening. Utah expanded upon a law passed by Democratic legislature in Maryland, which Utah’s ACLU reworked with some libertarians, to require the police to provide data about SWAT team usage. Utah’s success demonstrates that demilitarization bills passed with bipartisan support are not impossible.

Rama Arora defied tradition and secretly pursued her PhD as a young woman in India, succeeding at becoming the first female professor at a women's college. Now she is inspiring more Indian girls to further their educatione, so they can help bring about greater equality in society.

Rampant misconduct by judicial systems across the country brought to light a crippling practice of debtors' prisons—where disadvantaged individuals unable to pay fines and fees were continually and wrongfully imprisoned, creating a vicious cycle. The American Civil Liberties Union stepped in to work with governments and private companies to increase transparency, eliminate abuse, and reeducate law enforcement officials. The state of Ohio has emerged as a leader in reforming debtors' prisons, though there is still work to do.

With more and more Americans having to pay medical costs out of pocket, a small company out of Philadelphia called ELAP is on the front lines of the war against escalating charges. By helping overwhelmed patients to de-mystify and negotiate medical bills, they are ensuring patients get the best value and avoid egregious financial distress.

Civic leaders in the U.S. struggle to effectively help their distressed neighborhoods. East Lake, Atlanta, created a replicable model that mixes residents of differing socio-economic status, and focuses on education and health in the area.