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Monday, March 10, 2014

Texas Isn’t Just Leading The Nation In Job Growth—It’s Doing It More Equitably, Too

You might be inclined to think that the Lone Star state is bad at creating good jobs. It is, after all, second only to Idaho in the proportion of its population earning the federal minimum wage or less, according to the Labor Department. And it has the ninth-highest Gini coefficient, a measure of income inequality. So it’s only natural to assume that the state is bad at adding good jobs, right? Wrong.

Texas experienced stronger job growth than the rest of the nation from 2000 to 2013, according to the Federal Reserve Bank of Dallas. Not only that, a pair of researchers note in a Thursday research publication, but Texas leads the nation in creation of jobs at all pay levels, too.

“Texas has also created more ‘good’ than ‘bad’ jobs,” they write. “Jobs in the top half of the wage distribution experienced disproportionate growth. The two upper wage quartiles were responsible for 55 percent of net new jobs. A similar pie chart cannot be made for the rest of the U.S., which lost jobs in the lower-middle quartile over the period.”
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Incredible Talent

Alison Balsom

SFD Calls For Service 3-9-14

  • Sunday March, 9 2014 @ 23:44:26Nature: Sick SubjectCity: Salisbury
  • Sunday March, 9 2014 @ 22:42:07Nature: Chest PainCity: Salisbury
  • Sunday March, 9 2014 @ 18:13:33Nature: Sick SubjectCity: Salisbury
  • Sunday March, 9 2014 @ 14:20:01Nature: Emergency UnknownCity: Salisbury
  • Sunday March, 9 2014 @ 14:14:25Nature: Medical AssistAddress: 1500 N Salisbury Blvd Salisbury, MD 21801
  • Sunday March, 9 2014 @ 13:58:15Nature: Sick SubjectCity: Salisbury
  • Sunday March, 9 2014 @ 13:41:04Nature: Sick SubjectCity: Salisbury
  • Sunday March, 9 2014 @ 13:16:09Nature: Subject FallenCity: Salisbury
  • Sunday March, 9 2014 @ 12:59:24Nature: HemorrhagingCity: Salisbury
  • Sunday March, 9 2014 @ 12:12:33Nature: Unconscious SubjectCity: Salisbury

Freedom


When You're Holding A Hammer (Everything Looks Like A Nail)

Obama Mocks GOP: ‘How Dare You Fix Things?,’ ‘You’re A Tyrant’ Using Executive Action

On Friday, Pres. Obama mocked Republicans who complain about his use of executive actions to "fix" Obamacare without involving Congress.

Obama opened his remarks at the Democratic National Committee's winter meeting by joking that he's using an executive order to force someone else to pick up a happy hour tab:

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Straw Poll Signals Paul-Cruz Showdown

The one-two finish of Rand Paul and Ted Cruz in The Washington Times/CPAC straw poll over the weekend cemented their rock star status among grass-roots activists — and signaled that the two tea party favorites are destined for a showdown over which senator will carry the conservative flag in the contest for the 2016 GOP presidential nomination.

For the second straight year, Mr. Paul was easily the top choice of the thousands who converged for the three-day Conservative Political Action Conference just outside the Beltway in suburban Maryland, underscoring the power of the libertarian wing of the movement.

Mr. Cruz, meanwhile, showed that his star is on the rise among this pool of conservatives, as he climbed up the standings from a year ago to finish a distant second.
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Federal Inspector To Audit Maryland Health Exchange

A federal inspector general is launching a review into what went wrong with Maryland's health insurance exchange, the first examination focused specifically on how millions of dollars in federal money was spent by the state, according to the lawmaker who requested the probe.

Rep. Andy Harris, a Baltimore County Republican and vocal opponent of President Barack Obama's health care law, said officials with the inspector general for the U.S. Department of Health and Human Services had contacted him and indicated they will look into the creation of the state's glitch-prone exchange.

The probe, which Harris said would likely begin in a matter of weeks, is the first of its kind to be revealed publicly. It comes days after the U.S. Government Accountability Office said it would review the formation of state-based insurance exchanges — though experts say an inspector general's examination is usually more exhaustive and specific.

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A Clear Divide: Good vs Evil On Display At 4th Amendment Hearing

EDITOR’S NOTE: Rarely do you get to witness a battle with the line between right and wrong so clearly drawn. The Maryland House Judiciary Committee hearing on the Fourth Amendment Protection Act afforded such an opportunity. One one side, everyday Americans yearning to stop the violations of their rights and the rights of others. On the other side, those concerned only about advancing their own self-interest, and who care nothing about the principles trampled in the process. Following is the story of that hearing. It will take you behind the curtain into a drama most never see play out. It will make you cheer. It will make you scream. But in the end, you will clearly see the triumph of good ideas over evil.

The air was already thick with tension in room 100 of the Maryland House Office Building as the Fourth Amendment Protection Act came before the House Judiciary Committee.

Earlier, Del. Michael Smigiel went off on a panel of state prosecutors and law enforcement officials who essentially testified that warrants hinder catching bad guys. One law enforcement official said “I’m not totally against warrants…” But he opposed a requirement that police obtain a warrant before tracking cellphone locations, or using drones to monitor people. He went on to argue that requiring a warrant would allow pedophiles to stalk Maryland children and terrorists to indiscriminately blow up buildings.

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The Democratic Party's Dirty Secret

Jon Bowne investigates the mass amnesia associated with the indisputable connection between the Ku Klux Klan and the Democratic Party as well as its long history of murder, torture and voting coercion:

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Dr. Exposes Big Pharma's #1 Secret

WCSO Press Release 3-10-14

Incident: WCSO Activity 7-9 March 2014

Location: Wicomico County 
  • On 7 March 2014 at 1:30 PM a deputy arrested Ryan Thomas Powell, 30 of Salisbury, on a Circuit Court Bench Warrant. The warrant was issued after Powell failed to appear for a violation of probation hearing in a CDS Possession with the Intent to Distribute case. Powell was detained without bond.
Ryan Thomas Powell
Ryan Thomas Powell


  • On 8 March 2014 at 4:00 PM a deputy arrested Matthew Mark Gray, 31 of Salisbury, on a Circuit Court Bench Warrant. The warrant was issued after Gray violated the terms of his probation in an Assault 2nd Degree case. Gray was detained on a bond of $5,000.00.
Matthew Mark Gray
Matthew Mark Gray

Humans Remains Found Near South Point; Authorities Working To Confirm Identity

WEST OCEAN CITY — The Worcester County Sheriff’s Office late Sunday recovered badly decomposed human remains from a ditch in a marshy area in South Point in the same general area where a local woman went missing last Memorial Day.

Somewhere around 6-6:30 p.m. on Sunday, a waterman working in the area of South Point discovered the mostly submerged and badly decomposed remains in a mosquito ditch in a marshy area and contacted the Worcester County Sheriff’s Office. Worcester County Sheriff’s Deputies responded a short time later and began the process of recovering the remains. The remains were collected and transported to Office of the State Medical Examiner for positive identification, a process that could take as many as three weeks.

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Worcester County Tea Party Monthly Meeting

Monthly Meeting this Thursday, 3/13/2014 at 7 pm at Ocean Pines Community Center. Doors open at 6:30 pm.
Candidates Introductions:
Sheriff: Reggie Mason & George Truitt.
7th Dist. Commissioner: Joseph Mitrecic
Guest Speaker: Michael Anthony Peroutka, a former Presidential candidate & co-founder of Institude on the Constitution. For more than 13 yrs. he has presented theFounders' American View of Law and Government to thousands of Americans in all 50 states.
"There is a God, our rights come from Him, and the purpose of Government is to secure our rights!"

Rascovar Column: Court Shows Common Sense On LNG At Cove Point

Finally, a dose of common sense in the swirl of hysterical hype and fear-mongering by environmental groups over the proposed liquid natural gas export project at Cove Point in Southern Maryland.

If you listen to the protesting greenies, this $3.8 billion project by the large energy company Dominion will send natural gas prices higher, promote the use of dirty energy sources like oil and coal, pollute the Chesapeake Bay, pollute Maryland’s air, worsen global warming and encourage more shale-oil fracking.

Few of those assertions have much credence. Some are bald-faced, and intentional, twisting of the truth.

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LAW ENFORCEMENT GRADUATION ANNOUNCEMENT

77th Municipal Recruit Class

Dignitaries Addressing the Graduates:
Senator Thomas R. Carper
Congressman John C. Carney Jr.
Secretary Lewis D. Schiliro
Colonel Nathaniel McQueen Jr.

Dover, DE - Delaware State Police Superintendent Colonel Nathaniel McQueen Jr. announces the graduation ceremonies for the 77th Municipal Recruit Class.

Working Together To End Childhood Hunger

Across the country today, schools and school nutrition personnel are celebrating National School Breakfast Week, an opportunity to shine a light on the importance of school breakfast and its role in preparing our students to learn each morning. In Maryland, while we have made record investments in our public schools and worked to ensure that our educators are prepared to teach students to succeed in a 21st Century economic climate, this week also serves as an important reminder that all of those efforts are for nothing if we are unable to meet one of a child’s most basic needs: proper nutrition.

When the O’Malley-Brown Administration launched the Partnership to End Childhood Hunger in Maryland in 2008, we did so because we believed that it was within our capacity and our compassion as Marylanders to ensure that no child goes hungry in this state. Recognizing that hunger can manifest itself in our youngest citizens in so many different ways, including in our classrooms, we have implemented a variety of strategies to increase school breakfast participation in an effort to ensure that children who may arrive at school without eating breakfast at home are still equipped to succeed.

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GOVERNOR O’MALLEY, LT. GOVERNOR BROWN LAUD HOUSE PASSAGE OF MINIMUM WAGE HIKE

ANNAPOLIS, MD – Governor O'Malley and Lt. Governor Brown issued the following joint statement in response to the floor vote in House of Delegates to increase Maryland's minimum wage to $10.10:

"I want to thank Speaker Busch and Chairman Davis for their leadership, and members of the House of Delegates for their vote to increase the minimum wage to $10.10. Nobody who works full time should have to raise their family in poverty," said Governor Martin O'Malley. "Raising the minimum wage makes good business sense: when workers have more money, businesses have more customers, growing our economy in a way that works. Twenty-one other states and the District of Columbia have a minimum wage higher than Maryland. As one of the top states for upward economic mobility, it’s time to give Maryland workers a raise. We urge the Senate to join the House -- let’s work together to increase the minimum wage to $10.10.”

"Today, the House of Delegates voted in favor of Maryland’s working families, ensuring that more of our neighbors will have the opportunity to get ahead and build a better future for their children,” said Lt. Governor Anthony Brown. “I look forward to working with the leadership and members of the Senate, along with advocates and business leaders, to raise the minimum wage which will support our workers and a strong, growing economy."

Remove Condoleezza Rice As Graduation Speaker

'A political firestorm fueled by their hatred of an opposing ideology'

(Fox News) Rutgers University professors and students are crying foul over the school’s decision to invite former Secretary of State Condoleezza Rice to speak at this year’s commencement ceremony.

Rutgers’ New Brunswick Faculty Council passed a resolution last week calling on the university’s board of governors to rescind its invitation to Rice, who will receive $35,000 and an honorary doctorate for the speech, The Star-Ledger reported.

The resolution said Rutgers should not honor Rice because of her role in the war in Iraq and the Bush administration’s policy of “enhanced interrogation techniques,” such as waterboarding, the report said.

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Spy Game: Local Police Tap Cell Phones

TALLAHASSEE, Fla. — The National Security Agency apparently isn’t the only government agency engaged in domestic spying.

Local law enforcement is playing the role of Big Brother, too, but to what extent is still unknown.

Recent court documents reveal a troubling cell phone surveillance program conducted by a Florida police department against unsuspecting cell phone users.

Attempts to keep the practice secret, even from judges, is raising questions as to just how prevalent police spying is within the Sunshine State.

The controversy stems from the arrest of James L. Thomas, a criminal suspect believed to be in possession of a stolen phone. Tallahassee police located and arrested Thomas by tracking a cell phone signal, then promptly searched his home.

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Record Jobs For Old Workers; Everyone Else - Better Luck Next Month

We have long been pounding the table (certainly since mid-2012) that the US labor market has become a place where mostly older workers - those 55 and over - are hirable - something which has nothing to do with demographics, and everything to do with excess worker slack, and an employer's market to pick and chose those workers that are most qualified for a job since older workers have the same wage leverage as younger ones: none. February was merely the latest confirmation of just this.

The chart below shows the age breakdown of the various age groups of workers hired in the past month. The vast majority, or 239K of the job gains(according to the Household survey), once again fell into the oldest group, those aged 55-69. The core demographic, those 25-54, rose by a negligible 29K. Everyone else, i.e., those 16-24, saw a total of 153K in job losses.

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Where The Jobs Are: More Than Half Of All February Job Gains Are In Education, Leisure, Temp Help And Government

As we showed moments ago, the scariest chart of today's nonfarm payroll report was the plunge in average weekly earnings. For those curious why US workers are unable to make any headway in obtaining higher wages, the following breakdown of just where the 175,000 (seasonally adjusted, because apparently now seasonal adjustments work again) February job gains were should provide some color.

Unfortunately, as has been the case for the past several months, well over half the total job gains in February were in industries that pay the least.

To wit:
Education and Health: +33K
Leisure and Hospitality: +25K
Temp Help Services: +24K
Government: +13K

Historic: 1st State Adopts Plan To Rein In Feds

Georgia legislature: 'Enough is enough,' calls for restraints on Washington

The plan to put the brakes on Washington’s expansion of the federal government is under way.

Convention of States confirmed that the Georgia legislature on Thursday passed the organization’s application “to limit the power and jurisdiction of the federal government.”

State Sen. Cecil Staton, R-Macon, told the organization he is “pleased that the Georgia legislature has given voice to the frustrations of millions of Georgians.”

“Enough is enough. It is time to impose fiscal and other restraints on our runaway federal government. We urge other states to join us,” said Macon, the primary sponsor of the resolution.

“We Georgians have become the hope of the nation today,” said Jacqueline Peterson, the Georgia state director for the Convention of States Project. “Many thanks to our state legislators for standing for liberty. May God bless us, every single one!”

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House Votes To Cut Taxes On The Wealthiest Dead

The House of Delegates overwhelmingly approved a tax cut in Friday’s session that would benefit Maryland’s millionaires after they die.

In a 120-13 vote, the House voted to exempt more assets from the estate tax, which taxes a property of a deceased individual if it’s valued at $1 million.

If signed into law as is, HB 739, sponsored by Speaker of the House Michael Busch, would increase the estate tax incrementally before matching the federal exclusion level of $5.3 million in 2017.

“It’s a shame that in Maryland, you can’t get a tax break until you’re dead,” said Republican Del. Herb McMillan prior to the vote. ”I would prefer to get one while I’m still alive.”
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Crying Racism

For Democrats, anyone who disagrees is a racist — even other Democrats.

When seven Democratic senators voted with all of the Republicans to reject Debo Adegbile’s nomination to serve as head of the Justice Department’s civil-rights division, Harry Reid cried racism. It’s as if Reid was on autopilot, and the aide who usually touches his elbow to correct him wasn’t available. If the aide had been there, he would have whispered “Um, senator, you’re accusing your own side of racism.”

Reid, who demolished the filibuster rule exactly to smooth votes such as the one on Adegbile, was flustered and discombobulated after the vote, so much so that he left the chamber and babbled into the microphones without thinking. Adegbile had been rejected, the majority leader explained, because “he stood for civil rights” and “Republicans have done everything they can, for a number of years now, to stop people from voting, changing early voting hours, changing where people can vote . . . ”

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Biden Vacations In Virgin Islands For Second Time In Three Months

The White House announced that Vice President Joe Biden would spend the weekend vacationing in the U.S. Virgin Islands. It's his second vacation there in three months.

His White House schedule reads:

DAILY GUIDANCE FOR THE VICE PRESIDENT

Friday, March 7 – Sunday, March 9

The Vice President and Dr. Jill Biden will visit the U.S. Virgin Islands. There are no public events scheduled.

Field Notes By Delegate Michael A. McDermott Week 9 March 3-7, 2014

Observations and Reflections on Legislative Activities


Monday Evening Session:
Tuesday Morning Session:

Third Reading Calendar (House Bills) #15

Third Reading Passed (80-56)
Third Reading Passed (95-41)

Special Order Calendar

Third Reading Passed (131-6)
HB-240 is a bill which will place mandates on local government as it relates to recycling numbers when it comes to waste disposal. This centralized approach is going to cost Marylanders when county governments will have to change policies to meet set goals by the state. Interestingly enough, it was also highly opposed by many environmental groups who objected to some of the burning standards attached to the bill. While most republicans voted no, we were also joined by several democrats. Sadly, the bill was not defeated.
HB-740 involves another infusion of state money into cyber security efforts to encourage more of these companies to come to Maryland. This is truly crony capitalism in that it favors and promotes one type of business over every other business in the state. In fact, this is one sector of our economy that is growing and thriving on its own and does not need additional incentives. The vote was along party lines with the republicans voting against this type of favoritism.
Tuesday Afternoon Judiciary Committee Hearings:
There were 30 bills addressing various firearm regulations. They were set up in 9 groupings: Crimes-4 bills; Handgun Permits-7 bills; Assault Weapons and Detachable Magazines-4 bills; Purchase of Firearms-4 bills; Handgun Qualifications Licenses-2bills; Handgun Safety Measures-2 bills; Disqualifiers for Ownership/Possession-2 bills; Bow Hunting-2 bills; Miscellaneous-3 bills.
HB 36 Del Smigiel Public Safety - Handgun Permit - Applicant
Qualifications
HB 42 Del Cardin Public Safety - Firearms - Application Approval
Before Sale, Rental, or Transfer
HB 60 Del Smigiel Repeal of the Firearm Safety Act of 2013
(Jointly assigned to JUD and HGO)
HB 62 Del Smigiel Rgltd Frarms-Lic Issued by Delaware, Pennsylvania,
Virginia, or West Virginia - Reciprocity
HB 90 Del Simmons Regulated Firearms - Disqualifying Crime -
Domestically Related Crime
HB 94 Del Arora Crim Law - Prohib on Manufacture of Detachable
Magazine or Firearm Receiver - 3-D Printing
HB 115 Del Conaway Task Force to Study Firearms and Global
Positioning Satellite (GPS) Devices
HB 122 Del K. Kelly Public Safety - Assault Weapons and Detachable
Magazines - Possession or Transport by Nonresident
HB 215 Del Cluster Public Safety - Handgun Permits - Renewal Period
for Retired Law Enforcement Officer
HB 262 Del Beitzel, Bow Hunting - Possession of Handguns for
et al Protection
HB 286 Del Valentino Criminal Law - Use of Handgun in Crime of Violence
Smith, et al or Felony - Statute of Limitations
HB 521 Del Haddaway Firearms - Handgun Permit Requirements - Handgun
Riccio Qualification License Holders
HB 623 Del Simmons Public Safety - Crim Justice Information System -
Integration With Md Automated Firearms System
HB 659 Del Szeliga Public Safety - Regulated Firearms - Transport
Through State
HB 712 Del Smigiel Crimes - Use of a Firearm in the Commission of a
Crime - Diminution Credits and Sentencing
HB 713 Del Smigiel Public Safety - Handgun Safety Devices - External
Safety Locks
HB 715 Del Smigiel Public Safety - Handgun Identification
Requirements - Repeal
HB 716 Del Smigiel Public Safety - Handgun Qualification License -
Qualified Handgun Instructors and Permit Holders
HB 717 Del Smigiel Public Safety - Firearms Safety Training -
Demonstration Component
HB 719 Del Smigiel Public Safety - Firearms - Probation Before
Judgment
HB 720 Del Smigiel Public Safety - Handgun Permits - Training
Requirement
HB 800 Del K. Kelly, Public Safety - Handgun Permits - Training
et al Requirement for Renewal Applications
HB 818 Del Smigiel Regulated Firearms - Lic'd Dealer or Secon Seller
- Natl Instant Crim Bkgd (NICS) Check
HB 919 Del K. Kelly Public Safety - Transport of Weapons on School
Property - Retired Law Enforcement Officer
HB 934 Del Smigiel Firearms - Application for Prchs and Reqd Registr
- Use of Term "Voluntary" Registrant Prohibited
HB 995 Del Dwyer Firearms Freedom Act
HB 997 Del Beitzel Criminal Law - Competition Shooting and Match
Shooting - Firearms Exemption
HB 1005 Del Bromwell Firearms - Handgun Permit Requirements - Retired
Military
HB 1199 Del Clippinger Possession of Loaded Handgun or Regulated Firearm
- Enhanced Penalties
HB 1356 Del Glass Bow Hunting - Possession of Handguns for
Protection

New Job Openings In The City Of Salisbury

Looks like the City of Salisbury is hiring in the storm water department. Funny how there’s only $20k in the budget to pay them. Maybe if we charge everybody a new tax we can pay for this. We’ll call it a "Rain Tax"!

City of Salisbury
Public Works
Project Engineer

Full-time - (35 hrs. wk.) Salary: $48,003 Full range of benefits


Duties: Plan review, engineering planning and design, management of design and construction projects, contract administration and construction management. Must have knowledge of municipal water systems & treatment, sewer systems & treatment, storm drain systems, storm water management (MDE 2007 update preferred), road design , traffic studies, temporary traffic control, hydraulics, hydrology, and soil mechanics. Experience reviewing and creating design and construction drawings and specifications, preparing requests for proposals/quotes, preparing construction contracts, performing hydraulic modeling (InfoSWMM & InfoWater preferred), grant writing , public speaking, Microsoft Office, AutoCAD 2012, ArcGIS 10.

Must have strong writing skills and well developed interpersonal skills.

Requirements: Bachelor’s Degree in Civil Engineering, E.I.T. in Maryland, P.E. is preferred. Must be able to communicate clearly and concisely both orally and in writing. Plan review or design experience in municipal infrastructure and storm water management is desirable.

Closing Date: Open Until Filled

City of Salisbury
Public Works
Engineering Associate

Fulltime – 35 Hrs. Week Salary: $26,177 Full Range of Benefits


Essential Functions: Monitors new street and sidewalk construction, including inspections, and contractor payments; inspects new concrete, blacktop and milling construction to include proper construction methods and traffic control. Reviews, monitors and maintains an index of permits to break and/or obstruct public streets and ways. Receives citizen requests for sidewalk repair and sends estimates; lines and grades for new concrete, curb, gutter and sidewalks using surveying equipment; monitors new house construction for curb, gutter and sidewalks.

Requirements: High School Diploma/GED and one year related experience. Proof of proficiency in Microsoft Word and Excel. Knowledge of City of Salisbury’s policies and procedures. Flagger, soil erosion, and traffic control certifications preferred. Must have a Maryland Driver’s license with clean record.

Closing Date: Open until filled.

O'Malley Derides Tea Party, Urges Unity In CA Speech


Maryland Gov. Martin O'Malley introduced himself to California Democrats Saturday with a scathing indictment of the tea party and a call for a stronger middle class to move the country forward.

The potential 2016 White House candidate, speaking to hundreds of Democratic delegates at a party convention in Los Angeles, said he's weary of the cynicism and government-by-obstruction that frequently stalls work on Capitol Hill.

He singled out tea party Republicans for espousing "a small view" of America that he compared to the "trickle-down economics" of the Reagan era.

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Conn. Police Refuse To Enforce New Gun Laws

A showdown is developing between a sizable number of Connecticut state police officers and the politicians who passed into law highly restrictive gun control, gun bans, and bans on high capacity magazines.

Gun rights legal expert and activist David Hardy reported Friday that 250 law enforcement officers in Connecticut have signed an open letter stating that they will not enforce the new anti-gun and magazine laws, which they consider to be a violation of the Second Amendment to the U.S. Constitution.

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Caitlyn Virts' Grandmother: "She Said, 'We're All Three Together Now'"

BALTIMORE COUNTY, MD - For days, 11-year-old Caitlyn Virts' family has waited on edge. Amber alerts swept across the nation, as the family held onto the hope that she'd be okay.

"Worrying. Just worrying. All kinds of stuff going through my head," said Virts' grandmother, Anna Trainor Goodwin.

Three days after she disappeared with her father, the family got word that Caitlyn has returned to Maryland.

"I jumped up! I was jumping up for joy! I was happy. In tears, happy," Trainor Goodwin said.
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Federal Inspector To Audit Maryland Health Exchange

A federal inspector general is launching a review into what went wrong with Maryland's health insurance exchange, the first examination focused specifically on how millions of dollars in federal money was spent by the state, according to the lawmaker who requested the probe.

Rep. Andy Harris, a Baltimore County Republican and vocal opponent of President Barack Obama's health care law, said officials with the inspector general for the U.S. Department of Health and Human Services had contacted him and indicated they will look into the creation of the state's glitch-prone exchange.

The probe, which Harris said would likely begin in a matter of weeks, is the first of its kind to be revealed publicly. It comes days after the U.S. Government Accountability Office said it would review the formation of state-based insurance exchanges — though experts say an inspector general's examination is usually more exhaustive and specific.

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