{ "132038-21869838": { "datetime_modified":"20250129T111427", "datetime_start":"20250204T103000", "datetime_end":"20250204T120000", "has_end_time":1, "date_start":"2025-02-04", "date_end":"2025-02-04", "time_start":"10:30:00", "time_end":"12:00:00", "time_zone":"America\/Detroit", "event_title":"Individualizing Climate Risk: Credit Score Penalties in the Home Insurance Market", "occurrence_title":"", "combined_title":"Individualizing Climate Risk: Credit Score Penalties in the Home Insurance Market: Stone Center Speaker Series with Nick Graetz", "event_subtitle":"Stone Center Speaker Series with Nick Graetz", "event_type":"Presentation", "event_type_id":"16", "description":"The climate crisis represents an unprecedented challenge for societal risk management, and the American home insurance market has come under intense scrutiny as the consequences of climate change have worsened. While other insurance markets rely heavily on proxies of individual risk to set prices, it is assumed that proxies of asset risk (e.g., construction quality) and environmental risk (e.g., flooding, fire) dominate the risk-based pricing of home insurers. However, as risk estimation and management have become increasingly individualized across the insurance industry broadly, contemporary home insurers collect a vast amount of individual-level data from prospective buyers and use these variables in setting prices, despite their tenuous connection to the underlying risk of insured events such as wildfires or hurricanes. In this study, I use standardized industry data on home insurance quotes from 2021-2024 generated using 157 inputs about prospective buyers, including policy details and home characteristics, where all inputs are held constant except credit score and zip code. I find that the marginal effects of credit scores on prices are substantively large compared to the marginal effects of zip codes. A low credit individual living in a zip code at the 25th zip code risk percentile is quoted at the same price as a high credit individual living in a zip code at the 80th risk percentile. These findings have important equity implications, as the most marginalized Americans have been filtered to the frontline of climate-related disasters in many regions of the country and now also bear a disproportionate financial burden in the redistribution of anticipated losses through private home insurance.", "occurrence_notes":"or via Zoom", "guid":"132038-21869838@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/132038", "building_id":"1000145", "building_name":"Institute For Social Research", "campus_maps_id":"76", "room":"2030", "location_name":"Institute For Social Research", "has_livestream":0, "cost":"", "tags":["Sociology","Economics","In Person","Inequality","Lecture","Robotics","Social Sciences"], "website":"https:\/\/inequality.umich.edu\/speaker-series-nick-graetz\/", "sponsors":[ { "group_name":"Institute for Social Research", "group_id":"3285", "website":"http:\/\/isr.umich.edu" }, { "group_name":"Stone Center for Inequality Dynamics (CID)", "group_id":"4866", "website":"" }, { "group_name":"Survey Research Center", "group_id":"5063", "website":"https:\/\/src.isr.umich.edu\/" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2025\/01\/event_132038_original-1.png", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_thumb\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2025\/01\/event_132038_original-1.png", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/group_thumb\/media\/attachments\/2025\/01\/event_132038_original-1.png", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/group_thumb_square\/media\/attachments\/2025\/01\/event_132038_original-1.png", "group_large":"https:\/\/events.umich.edu\/media\/cache\/group_large\/media\/attachments\/2025\/01\/event_132038_original-1.png", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/group_large_lightbox\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/event_large_crop\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_list":"https:\/\/events.umich.edu\/media\/cache\/event_list\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/event_grid_2x\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/event_feature_large\/media\/attachments\/2025\/01\/event_132038_original-1.png", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2025\/01\/event_132038_original-1.png" }, "occurrence_count":1, "first_occurrence":21869838 } , "107870-21818031": { "datetime_modified":"20240130T121550", "datetime_start":"20250204T110000", "datetime_end":"20250204T170000", "has_end_time":1, "date_start":"2025-02-04", "date_end":"2025-02-04", "time_start":"11:00:00", "time_end":"17:00:00", "time_zone":"America\/Detroit", "event_title":"A Gathering", "occurrence_title":"", "combined_title":"A Gathering", "event_subtitle":"", "event_type":"Exhibition", "event_type_id":"7", "description":"Welcome. Make Yourself At Home.\n \nA Gathering brings together the newest works of art to enter UMMA\u2019s collection \u2014\u00a0many on display here for the first time.\u00a0\n \nAs a free, public museum, UMMA staff takes care of art for the benefit of the community and society at large. The works on view in this exhibition, all brought into the Museum between 2019 and the present, shows how institutions like UMMA are becoming more permeable to societal challenges, and more nimble in responding to them in service to all in their communities. In this exhibition you will find works that reflect on how global migrations, race, gender, and ecological change shape the way we engage with the world and inform our visions for the future.\n \nThis collection of artistic engagements with issues give us tools to envision who we want to be as individuals, as a museum, and as a society, connected to one another across space and experience.\n \nSo gather here to take in these latest works of art brought here for you. Gather here to be engulfed in their forms and meanings, to discuss their takes, to learn, to disagree. Gather to relax, make a friend, drink a coffee, finish the daily Wordle. Gather to feel full, to be moved and inspired by all the possible imaginations of what is yet to come.\n \nCurated by F\u00e9lix Zamora G\u00f3mez Irving Stenn, Jr. Fellow in Public Humanities & Museum Pedagogy\n\nLead support for this exhibition is provided by Lizzie and Jonathan Tisch, the Richard and Rosann Noel Endowment, and the University of Michigan Office of the Provost.\n\u00a0", "occurrence_notes":null, "guid":"107870-21818031@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/107870", "building_id":"1000151", "building_name":"Museum of Art", "campus_maps_id":"11", "room":"Lizzie and Jonathan Tisch Apse", "location_name":"Museum of Art", "has_livestream":0, "cost":"", "tags":["Humanities","Museum","Staff","UMMA","Free","Art","Exhibition"], "website":"https:\/\/www.facebook.com\/ummamuseum\/", "sponsors":[ { "group_name":"University of Michigan Museum of Art (UMMA)", "group_id":"1177", "website":"http:\/\/www.umma.umich.edu\/" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_thumb\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/group_thumb\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/group_thumb_square\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "group_large":"https:\/\/events.umich.edu\/media\/cache\/group_large\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/group_large_lightbox\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/event_large_crop\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_list":"https:\/\/events.umich.edu\/media\/cache\/event_list\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/event_grid_2x\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/event_feature_large\/media\/attachments\/2024\/01\/event_107870_original-3.jpg", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2024\/01\/event_107870_original-3.jpg" }, "occurrence_count":423, "first_occurrence":21817716 } , "84303-21621510": { "datetime_modified":"20240130T121551", "datetime_start":"20250204T110000", "datetime_end":"20250204T170000", "has_end_time":1, "date_start":"2025-02-04", "date_end":"2025-02-04", "time_start":"11:00:00", "time_end":"17:00:00", "time_zone":"America\/Detroit", "event_title":"Unsettling Histories: Legacies of Slavery and Colonialism", "occurrence_title":"", "combined_title":"Unsettling Histories: Legacies of Slavery and Colonialism", "event_subtitle":"", "event_type":"Exhibition", "event_type_id":"7", "description":"Organized as a response to the Museum\u2019s recent acquisition of Titus Kaphar\u2019s Flay (James Madison), this upcoming reinstallation of one of our most prominent gallery spaces forces us to grapple with our collection of European and American art, 1650-1850.\n \nIn recent times, growing public awareness of the continued reverberations of the legacy of slavery and colonization has challenged museums to examine the uncomfortable histories contained in our collections, and challenged the public to probe the choices we make about those stories. Choices about which artists you see in our galleries, choices about what relevant facts we share about the works, and choices about what - out of an infinite number of options - we don\u2019t say about them.\n \nPieces in this exhibition were made at a time when the world came to be shaped by the ideologies of colonial expansion and Western domination. And yet, that history and the stories of those marginalized do not readily appear in the still lives and portraits on display here. By grappling with what is visible and what remains hidden, we are forced to examine whose stories and histories are prioritized and why.\u00a0\u00a0\n \nIn this online exhibition, you can explore our efforts to deeply question the Museum\u2019s collection and our own past complicity in favoring colonial voices. In the Museum gallery, which will open in early 2021, you\u2019ll be able to experience the changes we\u2019re making to the physical space to highlight a more honest version of European and American history.\u00a0\n \nBy challenging our own practice, and continuing to add to what we know and what we write about the works we display, UMMA tells a more complex and more complete story of this nation - one that unsettles, and fails to settle for, simple narratives.\u00a0\n \n\u201cInvisible things are not necessarily \u2018not there\u2019.... Certain absences are so stressed, so ornate, so planned, they call attention to themselves; arrest us with intentionality and purpose, like neighborhoods that are defined by the population held away from them.\u201d\u00a0\n \n\u2014 Toni Morrison\n\nLead support for Unsettling Histories: Legacies of Slavery and Colonialism\u00a0is provided by the University of Michigan Office of the Provost,\u00a0the U-M Arts Initiative, and the Susan and Richard Gutow Endowed Fund.\n\u00a0", "occurrence_notes":null, "guid":"84303-21621510@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/84303", "building_id":"1000151", "building_name":"Museum of Art", "campus_maps_id":"11", "room":"European and American Decorative Art", "location_name":"Museum of Art", "has_livestream":0, "cost":"", "tags":["History","Exhibition","European","Art","Museum","UMMA"], "website":"https:\/\/www.instagram.com\/ummamuseum\/", "sponsors":[ { "group_name":"University of Michigan Museum of Art (UMMA)", "group_id":"1177", "website":"http:\/\/www.umma.umich.edu\/" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_thumb\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/group_thumb\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/group_thumb_square\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "group_large":"https:\/\/events.umich.edu\/media\/cache\/group_large\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/group_large_lightbox\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/event_large_crop\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_list":"https:\/\/events.umich.edu\/media\/cache\/event_list\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/event_grid_2x\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/event_feature_large\/media\/attachments\/2022\/08\/event_84303_original-5.jpg", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2022\/08\/event_84303_original-5.jpg" }, "occurrence_count":470, "first_occurrence":21621195 } , "129229-21862353": { "datetime_modified":"20250117T145509", "datetime_start":"20250204T120000", "datetime_end":"20250204T160000", "has_end_time":1, "date_start":"2025-02-04", "date_end":"2025-02-04", "time_start":"12:00:00", "time_end":"16:00:00", "time_zone":"America\/Detroit", "event_title":"2025 Winter Job & Internship Fair | In-Person", "occurrence_title":"", "combined_title":"2025 Winter Job & Internship Fair | In-Person", "event_subtitle":"", "event_type":"Careers \/ Jobs", "event_type_id":"2", "description":"Winter Job & Internship Fair\r\n\r\nIn-Person\r\nFebruary 4th & 5th\r\nMichigan League 2nd Floor \/ 12pm - 4pm\r\nDifferent organizations each day\r\nRegistration is on-site the day of the Fair\r\n\r\n----------\r\n\r\nNote: The Virtual Day of the Winter Job & Internship Fair is February 6th from 11am - 2pm in Handshake.\r\n\r\n----------\r\n\r\nDetails for the In Person Fair\r\n\r\nConnect with more than 40+ organizations each day (in person!) featuring jobs and internships in a wide range of industries. Learn about their opportunities and application process, their culture and efforts around creating a diverse and equitable workplace.\r\n\r\nPlan to ask your questions during the conversation:\r\n\u2022 Questions to learn more about the organization and application process\r\n\u2022 Questions to learn more about the organization's DEI efforts\r\n\r\nWhat to Expect at the In Person Fair\r\n\r\nThe Fair is open to all students affiliated with the University of Michigan-Ann Arbor. Dearborn and Flint students may attend for the final hour of the fair. Alumni of UM-Ann Arbor must be within 2 years of graduation. Individuals not affiliated with the university will not be granted access to the event. Most organizations are interested in all majors.\r\n\r\nThe Fair is a first step. You will leave with more information about organizations' opportunities, application process and a plan for next steps. You won\u2019t leave the Fair with a job\/internship offer.\r\n\r\n\u2022 The Fair is the first and only visit to campus for most organizations. Recruiters collect resumes, screen candidates and refer to their website to start the application process. Ask these Fair recruiters about next steps and stay connected!\r\n\u2022 Some organizations are returning to campus for one-on-one interviews. Check Handshake for on-campus interview dates and deadlines \r\n\u2022 Also ask about next steps and stay connected with organizations that are not returning to campus\r\n\r\n\r\nRegistration\r\n\r\nRegistration is on-site (Michigan League \/ 2nd floor) the day of the event.\r\n\r\nIn order to be admitted to the Job & Internship Fair you must comply with the following:\r\n\u2022 Bring your MCard and be ready to provide your UMID number\r\n\u2022 Provide your MCard to the UCC staff working registration for verification\r\n\u2022 Once checked-in, you'll be given a wristband\r\n\u2022 Once you have your wristband, you'll be admitted into the two rooms with our employers\r\n\r\nEvery student must check-in individually for the event. One student may not check in for multiple students.\r\n \r\n\r\nWhat to Wear\r\n\r\nFair dress is business professional or business casual. This means:\r\n\r\nDress slacks and shirt\/tie, skirt and blouse, dress or a business suit\r\n\r\nNeed help building your professional attire? Plan to visit the University Career Center Clothes Closet \r\n\r\n\r\nWhat to Bring\r\n\r\nCopies of your resume\u2026plus a few extra for organizations you weren\u2019t planning to meet\r\n\r\nA folder for carrying your resumes and any informational materials from organizations.\r\n\r\nNo need for a cover letter\r\n\r\nPlease leave backpacks at home. With so many employers we don\u2019t have space for storing \r\n\r\n\r\nAccommodation\r\n\r\nWe want to ensure full and equitable participation in our events. If an accommodation would promote your full participation in this event, please indicate your accommodation requirements in this form, preferably at least 14 days prior to the program. If you have any questions regarding access to our programs, please don't hesitate to reach out to Alexis Schmidt at anschmi@umich.edu. To ensure sufficient time for arranging your requested accommodation(s) or exploring suitable alternatives, we kindly request that you inform us as soon as possible. \r\n\r\nQuestions?\r\nemail us...we're happy to chat with you!\r\n\r\nThank you to our sponsors!\r\n\r\nFounded in 1985, Rocket Companies (NYSE: RKT) is a Detroit-based fintech platform company consisting of personal finance and consumer technology brands including Rocket Mortgage, Rocket Homes, Amrock, and Rocket Money. The culture found at Rocket Companies\u00ae is based on the 16 philosophies that we call our ISMs, the core principles that drive our decision making and define our culture of excellence\r\n\r\nPlease Note\r\nAs you consider opportunities offered at career fairs: External organizations are not programs and activities of the University of Michigan and are included only because they may be of interest to members of the University community. Inclusion of any organization does not indicate University sponsorship or endorsement of that organization.", "occurrence_notes":null, "guid":"129229-21862353@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/129229", "building_id":"", "building_name":"", "campus_maps_id":"", "room":"", "location_name":"911 North University Avenue, Ann Arbor, Michigan 48109, UnitedStates", "has_livestream":0, "cost":"", "tags":[], "website":"https:\/\/umich.joinhandshake.com\/career_fairs\/dd612f5f-2782-4c11-bbe2-e31f6218fb1e\/student_preview", "sponsors":[ { "group_name":"University Career Center UCC", "group_id":"1140", "website":"http:\/\/careercenter.umich.edu" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2025\/01\/event_129229_original-1.png", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_thumb\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2025\/01\/event_129229_original-1.png", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/group_thumb\/media\/attachments\/2025\/01\/event_129229_original-1.png", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/group_thumb_square\/media\/attachments\/2025\/01\/event_129229_original-1.png", "group_large":"https:\/\/events.umich.edu\/media\/cache\/group_large\/media\/attachments\/2025\/01\/event_129229_original-1.png", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/group_large_lightbox\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/event_large_crop\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_list":"https:\/\/events.umich.edu\/media\/cache\/event_list\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/event_grid_2x\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/event_feature_large\/media\/attachments\/2025\/01\/event_129229_original-1.png", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2025\/01\/event_129229_original-1.png" }, "occurrence_count":1, "first_occurrence":21862353 } , "129686-21864315": { "datetime_modified":"20241205T090142", "datetime_start":"20250204T120000", "datetime_end":"20250204T180000", "has_end_time":1, "date_start":"2025-02-04", "date_end":"2025-02-04", "time_start":"12:00:00", "time_end":"18:00:00", "time_zone":"America\/Detroit", "event_title":"BFA Theatre & Drama Design & Production Portfolio Exhibition", "occurrence_title":"", "combined_title":"BFA Theatre & Drama Design & Production Portfolio Exhibition", "event_subtitle":"", "event_type":"Exhibition", "event_type_id":"7", "description":"Take a peek behind the scenes of the plays, musicals, dance concerts, and operas at the University of Michigan. 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