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Despite stereotypes of poor families living in unkempt tenements, Chan says, threats to subsidized housing affect largely middle- and working-class residents. Says Chan: "In a worse-case scenario, owners [would] buy out all the Mitchell Lama [New York State's housing subsidy] program buildings; they go straight to market rate and no government agency would regulate the buildings, and people might not get Section 8 vouchers, so the question becomes whether it can sustain working and middle class people...

Author: /time Magazine | Title: Low-Income Housing: Another Crisis Looming? | 9/19/2008 | See Source »

Claims on these policies get paid from the firm's general account--the place your premiums go. As long as the company is solvent, things work normally. But let's assume a worst-case scenario: a state regulator steps in, can't get the firm back on track and decides to liquidate. As a policyholder, you're in line ahead of creditors. If the insurer is in real trouble and can no longer pay claims, then the state's guarantee fund kicks in. It varies from state to state, but generally you have at least $300,000 worth of total...

Author: /time Magazine | Title: O.K., Don't Panic | 9/18/2008 | See Source »

...policies like homeowners' and auto insurance, there's a separate state guarantee fund that will be tapped in a worst-case scenario, like what's outlined at left. Again, limits vary by state, but in many cases you'll be covered up to $300,000. For property and casualty insurance, you'll typically be covered by the state fund for 30 days after a firm is liquidated, to give you enough time to get a new provider...

Author: /time Magazine | Title: O.K., Don't Panic | 9/18/2008 | See Source »

...ally in the fight against terrorism - with one of those troublesome Latin American states. That was certainly the interviewer's impression, for she followed up with a gentle reminder that Spain was a country in Europe. As Spanish newspaper El País put it, "In the best-case scenario, [his answer] demonstrates his ignorance with respect to Zapatero...

Author: /time Magazine | Title: The Pain in Spain Falls Mainly on McCain | 9/18/2008 | See Source »

...course, there's a worst-case scenario: that McCain would, if elected, maintain his predecessor's chilly relationship with Spain. Spaniards may, on the whole, revile American politics and American comida de basura (junk food), but they still tend to measure their Prime Minister's international worth by the esteem with which the U.S. President holds him. And so, for the past four years, the Spanish Prime Minister has tried, ever so earnestly, to prove that he's one of the big boys. At every international summit he has tried to maneuver himself into position for a photograph with Bush...

Author: /time Magazine | Title: The Pain in Spain Falls Mainly on McCain | 9/18/2008 | See Source »

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