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Sba loans explained: How SBA loan programs set terms and odds
SBA loan programs guarantee shares of lender loans under published caps: 7(a) to $5 million, 504 to $5.5 million, with 103,000 financings in fiscal 2024.
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How jury deliberations work behind closed doors
Petit juries of 6 to 12 people decide cases in private, and a federal criminal verdict must be unanimous under Rule 31. The Supreme Court extended that unanimity rule to state courts in Ramos v. Louisiana on April 20, 2020.
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What is double jeopardy: What double jeopardy protects and where it stops
The Fifth Amendment bars a second prosecution for the same crime after an acquittal or conviction, yet the Supreme Court allowed separate state and federal prosecutions in Gamble v. United States in 2019, and a hung jury can still end in retrial.
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What is the federal reserve: What the Federal Reserve can and cannot do
The Federal Reserve sets interest rates, supervises banks, and lends to banks in stress. It does not set taxes or pass the budget; Congress wrote its mandate in statute.
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What the First Amendment does and doesn't cover
The First Amendment binds government rather than private companies, per the National Archives and Cornell's Legal Information Institute, and courts treat several speech categories as unprotected.
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Business insurance explained: What insurance a growing company actually needs
A growing company maps insurance to exposure: the SBA's six common policy types, state workers' compensation rules that differ by state, and a comparison habit that keeps coverage in step with headcount and assets.
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Why states and counties keep suing oil companies over climate claims
A New Jersey county's new lawsuit is the latest test of whether state courts can hear climate deception cases at all.
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How Do Tariffs Work — How Tariffs Work: Winners, Losers and Prices
A tariff is a tax a government places on imported goods, paid by the importer. Here is who wins, who loses, and why prices move when tariffs change.
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What is GDP — GDP Explained: What It Measures and What It Misses
GDP is the standard yardstick of economic growth, but it has blind spots. This guide explains what it measures and what it leaves out.