Wednesday, August 27, 2014

CALIFORNIA WELFARE OVERPAYMENTS ENOUGH TO FUND 8,000 CASES ANNUALLY


Report finds $848 million in outstanding CalWORKs overpayments to beneficiaries, half of all identified overpayments recovered, and administrative error costs on the rise.

 

Mountain View, CA (August 27, 2014). Today, California Common Sense (www.cacs.org) released a brief report called "California Welfare Overpayments: Fraud, Internal Errors, and Limited Investigation." The California Work Opportunities and Responsibility to Kids (CalWORKs) provides temporary cash assistance, welfare-to-work, and other services to eligible low-income families with children. This analysis examines the program's benefit overpayment trends to determine how frequently beneficiaries and the program's administration cause errors, as well as how costly those errors are.


While individual errors may seem insignificant, taken together, they prove costly to the system, taxpayers, and the thousands of additional cases they could have funded instead.


"For the better part of a decade, just as unemployment was rising and more families sought benefits, California's social services absorbed cuts as the state diverted limited funds elsewhere," saidAutumn Carter, Executive Director of California Common Sense. "We found that those deep budget cuts had very real unintended consequences: costly administrative errors and a systematic lack of oversight at CalWORKs."

 

The report's findings include the following:

  • As of March 2014, California has $848 million in CalWORKs overpayments. In 2012-13, its identified overpayments were $112.8 millionwith a total of $19.5 million in fraudulent overpayments.
  • The annual identified overpayments are equivalent to the costs of enrolling approximately8,000 additional cases per year.
  • Beneficiary-caused errors occur six times more often than administration-caused errors and are becoming increasingly common. However,administration-caused errors are becoming costlier.
  • Due to funding cuts, since 2007-08, welfare spending and staffing positions have decreased by 17% and 5%, respectively. This has led toinsufficient eligibility and investigation staffing, which may partially explain why administrative-caused errors are becoming costlier.
  • The monthly grants for a CalWORKs employed family of three living in a high-cost county dropped from $830 in 2006-07 to $670 in 2014-15 (19%), after adjusting for inflation.
  • In 2012-13, overpayment collections totaled $53.6 million. Over the past decade, only 49% of the total sum of identified overpayments have been recovered and 10% of them have not been pursued.

 

ABOUT CACS | California Common Sense is a non-partisan non-profit founded by Stanford students and alumni to open government to the public, develop data-driven policy analysis, and educate citizens about how their governments work.

 


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Study shows dispersant lingered in Gulf four years after oil spill



August 27, 2014

students collecting oiled samplesScientists from Haverford College and Woods Hole Oceanographic Institution investigated the presence of dispersants following the Deepwater Horizon oil spill. Full Story

Source
Gulf of Mexico Research Initiative

The National Science Foundation (NSF) is an independent federal agency that supports fundamental research and education across all fields of science and engineering. In fiscal year (FY) 2014, its budget is $7.2 billion. NSF funds reach all 50 states through grants to nearly 2,000 colleges, universities and other institutions. Each year, NSF receives about 50,000 competitive requests for funding, and makes about 11,500 new funding awards. NSF also awards about $593 million in professional and service contracts yearly.


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DoD Plays Key Role in Disaster Response, Official Says

By Claudette Roulo

DoD News, Defense Media Activity

WASHINGTON, Aug. 27, 2014 – September is National Preparedness Month, a time when people across the country are encouraged to prepare for emergencies and disasters, Todd M. Rosenblum, acting assistant Secretary of Defense for homeland defense and Americas' security affairs, said yesterday.

"National Preparedness Month is essentially about the entire nation building its preparedness to have resiliency to respond to natural or manmade disasters," Rosenblum said.

In addition, President Barack Obama has declared September 30th as America's PrepareAthon day, a day of action for individuals, organizations and communities to prepare for six specific hazards -- earthquakes, floods, hurricanes, tornadoes, wildfires and winter storms.

DoD's disaster response role

"National Preparedness Month is especially important for DoD ... because DoD plays a critical role in the national response to emergency events," Rosenblum said.

It's particularly important that DoD personnel be prepared, he said, because they may be asked to respond to a disaster while their homes or families are affected by that same disaster.

"What we have found over time is the most important thing you could do in terms of being able to respond effectively and recover quickly is to be prepared beforehand," Rosenblum said. "For the DoD family this comes intuitively, because for us preparedness means readiness."

Be prepared, informed

There are four elements to being prepared, he said: Be informed, make a plan, build a kit, and get involved.

Being informed means knowing what kinds of disasters may strike the area in which you live, he said. And whether that's hurricanes, fires, flooding, earthquakes, or broader hazards like terrorism, the Federal Emergency Management Agency's ready.gov website can help people learn more about the hazards in their area and how to prepare for them, Rosenblum noted.

In addition to FEMA's website, each state and many counties or local governments offer disaster planning information on their official government websites.

Have plan for emergencies

Planning for a disaster or emergency means taking into consideration your family's unique needs so that everyone will know what they should do during an event.

Once you have a plan, you can build a toolkit so you will have the supplies you and your family need in the event you don't have power or water, or if the communication network goes down, he said.

"And finally, it is critical that everyone be involved, because preparedness, response and recovery have to involve everyone in the community, and the first responders are typically the leading edge. Many of those first responders will come from the DoD community at the base and installation level," Rosenblum said.

DoD provides big capability

DoD has the nation's greatest capability to respond to disasters, he said, and does so not just because it is required to under the National Response Framework, but because it is part of being a good neighbor.

The National Response Framework establishes the rules for how and when DoD and other federal agencies can contribute to the national response to disasters or emergencies. It's part of a suite of five National Planning Frameworks that include prevention, protection, mitigation, response and recovery.

Typically, when the National Response Framework is activated, FEMA will request that DoD provide a certain of capability -- logistical support or generators, for example. Generally, that capability will need to be made available within the first 24 to 72 hours of an emergency -- the most critical hours, he said.

DoD's contribution to national preparedness comes at multiple levels, Rosenblum said.

"Obviously, the mission of national defense and homeland defense is the center of our responsibility to the nation," he noted.

Requesting federal assistance

In addition, DoD is a critical actor in support to civil authorities during emergencies, Rosenblum said. If an individual state cannot meet its emergency response needs by itself or in partnership with another state, it'll come to the federal government for assistance, he explained.

"FEMA is typically the federal lead," he said. "Beyond that, FEMA will often reach out to DoD to provide assistance for especially large scale events, such as we saw in Hurricane Sandy or Hurricane Katrina."

Once an emergency or disaster occurs and DoD's help is requested, that help can take many forms, Rosenblum said. For instance, he said, installation commanders often have a mutual aid agreement with local first responders that promises the installation will provide assistance to the community in the event help is needed. Examples of how these agreements work may include a local fire department needing the help of an military installation's fire department during a large structure fire, or when service members help fill sandbags when a neighboring community is preparing to face a flood.

Fire suppression aid

Another way DoD provides disaster and emergency response is through its support of the National Interagency Fire Center, Rosenblum said.

"That means that DoD is ready to support, when requested, federal firefighting efforts," he said. "… Typically, the states first manage fire response, and if the fires are on federal land, then they will request support from the federal government."

Then, in partnership with a state's National Guard and lead federal agencies, DoD can provide assistance in fire suppression activities or in observing and identifying a fire's movements or behavior, he added.

Hurricane Sandy disaster assistance

"Hurricane Sandy is a great example of the diversity of support DoD provides, as well as the complexity of responding to an event in a major urban area that crosses state lines," Rosenblum said.

DoD support in the aftermath of Hurricane Sandy was provided at multiple levels, he explained. First, it came under the immediate response authority. "It also was provided by the Defense Logistics Agency and the U.S. Army Corps of Engineers," Rosenblum said. DLA has a unique capability to let large-scale and emergency contracts quickly, he said, which enabled it to provide the generators that powered the recovery effort.

"In terms of the complexity of Sandy, what we also learned when power went out, one of the critical capabilities that was lost was the ability to pump gas," he said. Without gas, the generators couldn't run, which meant there was no power for communications. There was also no way to move people and goods, Rosenblum added.

So, he said, the first generators were dedicated "to making sure, at the gas station and at the larger infrastructure level, that those capabilities had sustainable power supplies so they could operate and therefore we could do the more direct tasks that assisted people in recovery."



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SAVE THE REEFS, SAVE THE OCEANS

 


Reef Check Foundation Hosts Annual Benefit Gala to Help Preserve Ocean Reefs Worldwide
 
(Pacific Palisades, CA – August 27, 2014) Reef Check Foundation, the world's largest volunteer reef monitoring and conservation organization, announces its gala fundraising event, "Save the Reefs, Save the Oceans" to be held Thursday, October 2, 2014, at the Jonathan Beach Club in Santa Monica, California. Sponsors include Body Glove, Edison International, Gibson Dunn, Houlihan Lokey, Nova Medical Products and VeeV.

The gala will feature great music by Maria de la Vega and the Wayward Five, exceptional food, exclusive auction items, celebrities and the unique chance to meet some of the thousands of volunteer Reef Check EcoDivers who monitor Californian and tropical reefs as part of the Reef Check Foundation's citizen scientist programs.

Reef Check will recognize the contributions of their "Heroes of the Reef" each having demonstrated an exemplary commitment to ocean conservation. This year will honor Julie Packard, marine biologist and Executive Director of the Monterey Bay Aquarium. Through her work at the aquarium, the Pew Oceans Commission, the David and Lucile Packard Foundation, and through service on numerous boards, Julie has dedicated her life to marine conservation and the promotion of sound environmental policy. Ed Begley Jr., actor, director and environmentalist, will be honored for his dedication to and passion for the ocean and environmental concerns. Ed has long been considered a leader in the area of reducing our carbon footprint. Volunteer diver David Horwich will receive the Citizen Scientist of the Year Award for his participation in the Reef Check California program since 2007. A regular on surveys in the Monterey Bay area, David has made more than 120 survey dives for Reef Check.

Tickets can be purchased online athttp://www.reefcheck.org/events/gala2014/. For any questions, please call 310-230-2371 or emailrcinfo@reefcheck.org

Founded in 1996 by marine ecologist Dr. Gregor Hodgson, the Reef Check Foundation provides ecologically sound and economically sustainable solutions to save reefs, by creating partnerships among community volunteers, government agencies, businesses, universities, and other nonprofits. Every year, Reef Check trains thousands of citizen scientist divers who volunteer to survey the health of coral reefs in over 90 countries as well as rocky reef ecosystems along the entire coast of California. The results are used to improve the management of these critically important natural resources.



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NASA Telescopes Uncover Early Construction of Giant Galaxy


Artist impression of a firestorm of star birth deep inside core of young, growing elliptical galaxy.
Artist impression of a firestorm of star birth deep inside core of young, growing elliptical galaxy.
Image Credit: 
NASA, Z. Levay, G. Bacon (STScI)
Astronomers have for the first time caught a glimpse of the earliest stages of massive galaxy construction. The building site, dubbed "Sparky," is a dense galactic core blazing with the light of millions of newborn stars that are forming at a ferocious rate.

The discovery was made possible through combined observations from NASA's Hubble and Spitzer space telescopes, the W.M. Keck Observatory in Mauna Kea, Hawaii, and the European Space Agency's Herschel space observatory, in which NASA plays an important role.

A fully developed elliptical galaxy is a gas-deficient gathering of ancient stars theorized to develop from the inside out, with a compact core marking its beginnings. Because the galactic core is so far away, the light of the forming galaxy that is observable from Earth was actually created 11 billion years ago, just 3 billion years after the Big Bang.

Although only a fraction of the size of the Milky Way, the tiny powerhouse galactic core already contains about twice as many stars as our own galaxy, all crammed into a region only 6,000 light-years across. The Milky Way is about 100,000 light-years across.

"We really hadn't seen a formation process that could create things that are this dense," explained Erica Nelson of Yale University in New Haven, Connecticut, lead author of the study. "We suspect that this core-formation process is a phenomenon unique to the early universe because the early universe, as a whole, was more compact. Today, the universe is so diffuse that it cannot create such objects anymore."

In addition to determining the galaxy's size from the Hubble images, the team dug into archival far-infrared images from Spitzer and Herschel. This allowed them to see how fast the galaxy core is creating stars. Sparky produced roughly 300 stars per year, compared to the 10 stars per year produced by our Milky Way.

"They're very extreme environments," Nelson said. "It's like a medieval cauldron forging stars. There's a lot of turbulence, and it's bubbling. If you were in there, the night sky would be bright with young stars, and there would be a lot of dust, gas, and remnants of exploding stars. To actually see this happening is fascinating."

Astronomers theorize that this frenzied star birth was sparked by a torrent of gas flowing into the galaxy's core while it formed deep inside a gravitational well of dark matter, invisible cosmic material that acts as the scaffolding of the universe for galaxy construction.

Observations indicate that the galaxy had been furiously making stars for more than a billion years. It is likely that this frenzy eventually will slow to a stop, and that over the next 10 billion years other smaller galaxies may merge with Sparky, causing it to expand and become a mammoth, sedate elliptical galaxy.

"I think our discovery settles the question of whether this mode of building galaxies actually happened or not," said team-member Pieter van Dokkum of Yale University. "The question now is, how often did this occur? We suspect there are other galaxies like this that are even fainter in near-infrared wavelengths. We think they'll be brighter at longer wavelengths, and so it will really be up to future infrared telescopes such as NASA's James Webb Space Telescope to find more of these objects."

The paper appears in the Aug. 27 issue of the journal Nature.

The Hubble Space Telescope is a project of international cooperation between NASA and the European Space Agency. NASA's Goddard Space Flight Center in Greenbelt, Maryland, manages the telescope. The Space Telescope Science Institute (STScI) in Baltimore conducts Hubble science operations. STScI is operated for NASA by the Association of Universities for Research in Astronomy, Inc., in Washington.

NASA's Jet Propulsion Laboratory, Pasadena, California, manages the Spitzer Space Telescope mission for NASA's Science Mission Directorate in Washington. Science operations are conducted at the Spitzer Science Center at the California Institute of Technology in Pasadena. Spacecraft operations are based at Lockheed Martin Space Systems Company, Littleton, Colorado. Data are archived at the Infrared Science Archive housed at the Infrared Processing and Analysis Center at Caltech. Caltech manages JPL for NASA.


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NASA Begins Hurricane Mission with Global Hawk Flight to Cristobal

Global Hawk at Armstrong Flight Research Center
The NASA Global Hawk 872 lands at 7:43 a.m. EDT, August 27, at the Wallops Flight Facility in Virginia following a 22-hour transit flight from its home base at the Armstrong Flight Research Center in California.
Image Credit: 
NASA/ Brea Reeves
The first of two unmanned Global Hawk aircraft landed at NASA's Wallops Flight Facility in Wallops Island, Virginia, on Aug. 27 after surveying Hurricane Cristobal for the first science flight of NASA's latest hurricane airborne mission.

NASA's airborne Hurricane and Severe Storm Sentinel, or HS3, mission returns to NASA Wallops for the third year to investigate the processes that underlie hurricane formation and intensity change in the Atlantic Ocean basin. HS3 is a collaborative effort that brings together several NASA centers with federal and university partners.

The two unmanned Global Hawks participating in HS3 are based at NASA's Armstrong Flight Research Center at Edwards Air Base, California, but will be temporarily housed at NASA Wallops for the duration of the HS3 mission which runs through Sept. 29. That window for the mission coincides with the peak of the Atlantic hurricane season that runs from June 1 to Nov. 30.

NASA Global Hawk 872 departed NASA Armstrong on the morning of Aug. 26 and arrived at NASA Wallops at 7:43 a.m. EDT on Aug. 27. Global Hawk number 871 is scheduled to fly to Wallops within a week.  

The Global Hawk flew this lawnmower flight pattern over Hurricane Cristoba
The Global Hawk flew this lawnmower flight pattern over Hurricane Cristobal on August 26, 2014. Credit:
Image Credit: 
NASA
Tropical Storm Cristobal became a hurricane late on August 25 as it was moving through the Bahamas. During the Global Hawk's 22 hour mission it flew a "lawnmower" or back and forth pattern over Hurricane Cristobal while gathering data using dropsondes and two other instruments. There were 83 dropsondes loaded in the aircraft, with two of them were dropped over the Gulf of Mexico and the other 81 dropsondes dropped over Cristobal.  A dropsonde is a device that measures winds, temperature, pressure and humidity as it falls from the aircraft to the surface.

"The instruments are tested and then integrated onto each Global Hawk at Armstrong," said Marilyn Vasques, HS3 Project Manager of NASA Ames. Before the cross-country flights, the ground operations center at Wallops tested the various instruments aboard both aircraft while they were still at Armstrong. "After integration and outdoor tests we conduct a Combined Systems Test on the ground as well as a test flight near Armstrong before the instruments and aircraft are ready to transit" explained Vasques. Checking the performance of the instruments over that long distance while they were at a NASA center was critical to ensure they would operate correctly while in-flight over Atlantic hurricanes.

Now that the first Global Hawk is at Wallops, the mission will investigate any significant disturbances that might develop in the western Atlantic. The HS3 mission will investigate disturbances before they become depressions to examine how a storm forms. The mission is also looking for conditions that favor (or promote) rapid intensification of tropical cyclones.

"Twice a day we hold weather briefings looking for storms or disturbances that could become storms," said Scott Braun, HS3 Principal Investigator from NASA's Goddard Space Flight Center in Greenbelt, Maryland, working at Wallops during the mission. "We evaluate the targets in terms of our science objectives and determine which one best addresses those objectives. We factor in stage of the life cycle of the storm, likelihood of formation or intensification, interaction with the Saharan Air Layer, among other things."

During the mission period, the Global Hawks will be operated from Wallops where they will depart and fly over tropical cyclones in the Atlantic, analyzing the storms with six scientific instruments. The East Coast NASA location makes accessing Atlantic tropical cyclones easier and allows for more science data collection than if they were to fly from the West Coast. Each aircraft has an 11,000-nautical-mile range and can fly for up to 26 hours.

Members of the HS3 team monitor the transit flight of the NASA Global Hawk 872 aircraft.
Members of the HS3 team monitor the transit flight of the NASA Global Hawk 872 aircraft. The aircraft departed the Armstrong Flight Research Center in California at 9:08 a.m. EDT on August 26.
Image Credit: 
NASA Ames
One Global Hawk will carry three instruments to examine the environment around the storms, including the Scanning High-resolution Interferometer Sounder (S-HIS), the Advanced Vertical Atmospheric Profiling System (AVAPS), also known as dropsondes, and the Cloud Physics Lidar (CPL).

The second Global Hawk will focus on the inner region of the storms to measure wind and precipitation, surface winds, and atmospheric temperature and humidity. It will carry the High-Altitude Imaging Wind and Rain Airborne Profiler (HIWRAP) conically scanning Doppler radar, theHurricane Imaging Radiometer (HIRAD), and the High-Altitude Monolithic Microwave Integrated Circuit Sounding Radiometer (HAMSR) microwave sounder.

The HS3 mission is funded by NASA Headquarters and overseen by NASA's Earth System Science Pathfinder Program at NASA's Langley Research Center in Hampton, Virginia. Itis one of five large airborne campaigns operating under the Earth Venture program.

The HS3 mission also involves collaborations with partners including theNational Centers for Environmental PredictionNaval Postgraduate School,Naval Research LaboratoryNOAA's Unmanned Aircraft System Program,Hurricane Research Division and Earth System Research Laboratory,Northrop Grumman Space TechnologyNational Center for Atmospheric ResearchState University of New York at AlbanyUniversity of Maryland - Baltimore CountyUniversity of Wisconsin, and University of Utah. The HS3 mission is managed by the Earth Science Project Office at NASA Ames Research Center, Moffett Field, California.


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NASA Holds Teleconference Today to Discuss Progress on World’s Largest Rocket


NASA officials will hold a media teleconference at 4 p.m. EDT today to discuss the agency's progress on the Space Launch System (SLS), the heavy-lift rocket under development to take humans beyond Earth orbit and to Mars.

Participants in the teleconference will be:
-- Robert Lightfoot, NASA associate administrator
-- William Gerstenmaier, NASA associate administrator for the Human Exploration and Operations Mission Directorate

To participate by phone, reporters must contact Stephanie Schierholz or Joshua Buck at 202-358-1100stephanie.schierholz@nasa.gov orjbuck@nasa.gov and provide their media affiliation no later than 3 p.m.

The teleconference will be streamed live on NASA's website at:

http://www.nasa.gov/newsaudio

SLS will be the world's most capable rocket. Designed for crew or cargo missions, the SLS will be safe, affordable, and sustainable, to continue America's journey of discovery from the unique vantage point of space, taking astronauts farther into space than ever before.

For more information about SLS, visit:

http://www.nasa.gov/sls



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The 97,880-acre Eagletail Mountains Wilderness is about 65 miles...


08/27/2014 11:47 AM EDT



The 97,880-acre Eagletail Mountains Wilderness is about 65 miles west of Phoenix, Arizona, in Maricopa, Yuma, and LaPaz counties.

The wilderness includes 15 miles of the Eagletail Mountains ridgeline and Courthouse Rock to the north, Cemetary Ridge to the south, and a large desert plain area between the two ridgelines. Several different rock strata are visible in most places, with natural arches, high spires, monoliths, jagged sawtooth ridges and numerous washes six to eight miles long.

Recreation such as extended horseback riding and backpacking trips, sightseeing, photography, rock climbing and day hiking are enhanced by the topographic diversity, scenic character, size, as well as the botanical, wildlife, and cultural values of the area. Additional information is available on our Ben Avery Trail page.

Photo: Bob Wick


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New Federal Courthouse Hailed as Green Success


When the new U.S. Courthouse in Salt Lake City was dedicated this August, everyone hailed it as a sustainability winner. The courthouse was built to achieve Leadership in Energy and Environmental Design (LEED) gold certification from the U.S. Green Building Council, and surpass industry standards by using 34 percent less energy than comparable buildings.

New U.S. Federal Courthouse in Salt Lake City, Utah
New U.S. Federal Courthouse in Salt Lake City, Utah

Green Technology

The building uses new innovative energy-saving technologies such as advanced mechanical systems, high-performance exterior building enclosure, and natural daylight harvesting. The daylight harvesting alone is projected to save an additional 4 percent of energy on top of the current 34 percent savings.

Building Structure

The building features a 10-story atrium in the center facing the elevator core that holds a large sculpture made from 380 tubes of optical aluminum created by renowned artist James Carpenter. The interior features wood paneling and white oak floors that temper the glass and aluminum characteristics of the exterior. A circular glass staircase that connects the first three floors is a focal point in the atrium.


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WalletHub Study: 2014’s Metro Areas that Most and Least Resemble the U.S.

Have you ever wondered which cities bleed the most red, white and blue? The leading personal finance social network WalletHub conducted an in-depth analysis of 2014's Metro Areas that Most and Least Resemble the U.S.

Some families might wish to live in a city that resembles the U.S. in order to make it easier for their children to adapt to other parts of the country. Others may want to live in cities that are less representative of the U.S. in certain dimensions such as education standards or cultural variety. On the other hand, entrepreneurs can use the information to determine the most fertile ground for their business ideas.

To determine which cities mirror the United States more than others, WalletHub examined various demographical statistics for 366 of the largest metropolitan areas in the U.S. The data set includes 26 key metrics, among which are age, gender and income as well as household makeup and housing tenure. By studying these factors, we aim to help consumers identify the cities that best address their different priorities.

Metro Areas that Most Resemble the U.S. Metro Areas that Least Resemble the U.S.
1 Nashville, TN 357 El Centro, CA
2 Cincinnati, OH 358 Barnstable, MA
3 Indianapolis, IN 359 Laredo, TX
4 Charleston, SC 360 Johnstown, PA
5 Jacksonville, FL 361 Ames, IA
6 Greenville, SC 362 Yuma, AZ
7 Oklahoma, OK 363 Brownsville, TX
8 Phoenix, AZ 364 Altoona, PA
9 Albuquerque, NM 365 Boulder, CO
10 Winston-Salem, NC 366 McAllen, TX
Key Stats
In terms of gender, Albuquerque, N.M., most closely resembles the country. Hanford, Calif., has the least resemblance, with 24.7 percent less females than males.

In terms of age, Tulsa, Okla., most closely resembles the country. Provo-Orem, Utah, has the least resemblance, with 8.8 percent more residents who are between 20 to 24 years old.

In terms of race, Denver most closely resembles the country. Altoona, Pa., has the least resemblance, with 22.2 percent more residents in the white population bracket.

In terms of housing tenure, Las Cruces, N.M., most closely resembles the country. Los Angeles has the least resemblance, with 48.6 percent more renter-occupied housing units than owner-occupied housing units.
In terms of income, Detroit most closely resembles the country. Washington has the least resemblance, with 15.4 percent more earners in the $150,000 and over income bracket.
In terms of education, Greensboro, N.C., most closely resembles the country. Boulder, Colo., has the least resemblance, with 29.3 percent more people with a bachelor's degree or higher.
For the full report and to see where your city ranks, please visit:
http://wallethub.com/edu/metro-areas-that-most-and-least-resemble-the-us/6109/

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