Yup, exactly what I thought of. Concrete parking garage in winter. Without food. Remember a few Democrat politicians would buy pizza for the service members because Trump didn't care about them?
You're grilling OP on something they already said they have little experience with. OP is asking questions to learn, and the grilling is detrimental to that.
No, the legal lawsuit payouts don't come from the cops, their insurance, or their pensions. The taxpayers foot the bill for the lawsuits by losing money from their city's funds.
Because enough ruling dudes literally, publicly said it was going too far because now a drunk girl could claim she didn't remember most of the previous night and was raped.
And a bunch of other dudes said they had sex with a drunk girl who later said she never wanted it. All these dudes knew they wouldn't be having sex if the girls had to be conscious and aware.
And so now a bunch of dudes were afraid their continued sex with a drunk girl was going to get them arrested. So they stopped the harder rape laws.
That's how the state of Texas in the US ended all rape. The governor declared rape was illegal, even though it already was, and suddenly there is no more rape.
And that's why Texas abortion prohibition doesn't need an exclusion for rape, because the governor declared rape was illegal and now there is no more rape.
I understand the moral desire to choose responsible companies.
I "interviewed" some advisors before I knew of ETFs. They asked if I had brand preferences, like Coke vs Pepsi, or McD vs Taco Bell, so that I could avoid investing in companies that I didn't like. From that I realized those types of investors just cared about getting me into any stock to turn commissions and not about my personal income growth. I was way too small to affect anything, but I could lose out on income based on my personal flavor preference.
So I would say the same about picking socially responsible ETFs. What is socially responsible is completely up to some person and will likely not align with your preferences.
And after participating in many studies in college, and just life, I've learned that at large scales, when it comes to your pocketbook, the large majority of the time, the non-ultra-rich person should assume the system will go to selfish people over good-for-the-group people.
So, unless you are investing billions and trying to create the change yourself single handedly, just choose the ETF that works best for your pocketbook.
The amount of ownership, responsibility, and promotion you get of the evil a large corporation is doing through an ETF is basically non-existent, at the average human scale.
I'm pretty sure each person has personally saved weeks of time by having the connector always work the first time, because of the reversibility of the plug.
Big? So, not his penis or hands.