This week we are a happy to welcome guest blogger Professor Daniel Schwarcz from the University of Minnesota School of Law. Daniel has done some great research in the area of property and casualty insurance and consumer protection. He is also very interested in consumer perspectives in health insurance and regulatory design in general. We blogged about one if his articles on April 22, 2011, and his work has gained national attention  elsewhere as well. 

We know Daniel writes lots of articles as well as a widely used textbook on insurance law, but we are excited to hear some of his more informal musings about all things debtor-creditor, especially about the disconnect between transparency in the credit world and the lack of transparency in insurance. Thanks Daniel, and enjoy the blogspace!