What hurt Detroit? (Hint: It wasn't hard work or capital)

(An op-ed in Fox Business)

It’s said that a conservative is a liberal who has been mugged by reality.

So it is both fitting and appropriate that the next round of presidential debates is taking place in Detroit, which has been assaulted with the real-world consequences of two generations of liberal Democratic rhetoric and misrule.

Memo to Democrats: Freedom and Education are Inextricably linked

(An op-ed featured in the Miami Herald)

The Democrats’ two nights of debate blather in Miami were astoundingly lean on two essential subjects — freedom and education. And the debates were especially lean given how the very state where they gathered is proving that freedom and education can work together to cost-effectively deliver real results – including in Miami-Dade County.

COMMERCIAL LENDERS AND TRADE CREDITORS OF THE COMMERCIAL CONSTRUCTION INDUSTRY – A NEW COURT RULING THAT ALTERS THE RIGHTS TO RETAINAGES.

When a construction contractor defaults on a loan with its lender, and, at the same time, a surety bond issuer is required to pay on a claim for the construction project, there has been some legal uncertainty as to the entitlement to any retainages at the conclusion of the construction project when the general contractor has entered a bankruptcy proceeding. A bankruptcy judge has issued a very detailed legal opinion on the topic of priorities as to retainage which will likely be widely followed by bankruptcy courts throughout the country which is important and significant for all lenders, trade creditors and suppliers of those in the commercial construction industry and issuers of surety bonds.