Final Paper One reason that California have been known as the Golden State is because of the influence of Hollywood. The well-known reputation of the entertainment of Hollywood has been showed the natural advantages of California, such as the weather, coast, and the natural resources. Also, the Hollywood shows another side of California, which is the world-leading level of technology companies. However, it is controversial to state that California is shown to the world by Hollywood. In fact, I prefer the saying that the history and the multicultural environment breed the great potential of the newborn Hollywood at the first place. While Hollywood shows the diverse cultures in California, it expresses in the influence of the California history by showing the images of different racial people in the films. California have been a state of immigration, attracting people from the world to migrate the family and invite them to contribute for the development of California. It is fair to say that California was built by the people with different ethnical backgrounds. However, Hollywood has not been treated equally to the contributors with different races. White can be always be the lead of the movie. For example, a white actor can play the role with quality of richness, smartness and toughness. A non-white Hispanic actor can play the role of a billionaire, a drug dealer, a villain, a genius, and a special agent. However, Chinese Americans have the least if the scenes in the Hollywood films. Chinese Americans express a very stereotypical image of neediness, Kungfu, or weakness. In historical speaking, the Chinese were first shown in California in the event of Gosh Rush in the 1800s. The image of Chinese miners in Gold Rush is influent to the image of the Chinese Americans from Hollywood firms. It is hard to truly know the Chinese culture through the media. I doubt that Chinese culture does not assimilate to the society of California. In the Chronicling California, it pointed out that the Chinese culture was not quite “fit” into the California society: “the expulsion of the Chinese is not demanded on the ground that they represent cheap labor... they are regarded by the thoughtful as objectionable because they represent a substitution of unchangeable foreign and hopelessly unassimilative material for that which is malleable and assimilative” (100, Hoikkala and Wallis). Most of the Chinese miners had the strong responsibilities to support their families by sending the money to oversea. The loss of currency conflicts with the California society also indirectly caused the Chinese Exclusion Act later in 1882. Comparing to other immigrants, Chinese suffered the unequal treatments, which is why it is hard to see the Chinese cultures in the early Hollywood films. While Hollywood has published some great firms about the World War II, it emphasized the victory of the United States, avoiding the fact that how the California government treated unfairly to the.

1. Final Paper
One reason that California have been known as the Golden State
is because of the influence of Hollywood. The well-known
reputation of the entertainment of Hollywood has been showed
the natural advantages of California, such as the weather, coast,
and the natural resources. Also, the Hollywood shows another
side of California, which is the world-leading level of
technology companies. However, it is controversial to state that
California is shown to the world by Hollywood. In fact, I prefer
the saying that the history and the multicultural environment
breed the great potential of the newborn Hollywood at the first
place. While Hollywood shows the diverse cultures in
California, it expresses in the influence of the California history
by showing the images of different racial people in the films.
California have been a state of immigration, attracting
people from the world to migrate the family and invite them to
contribute for the development of California. It is fair to say
that California was built by the people with different ethnical
backgrounds. However, Hollywood has not been treated equally
to the contributors with different races. White can be always be
the lead of the movie. For example, a white actor can play the
role with quality of richness, smartness and toughness. A non-
white Hispanic actor can play the role of a billionaire, a drug
dealer, a villain, a genius, and a special agent. However,
Chinese Americans have the least if the scenes in the
Hollywood films. Chinese Americans express a very
stereotypical image of neediness, Kungfu, or weakness. In
historical speaking, the Chinese were first shown in California
in the event of Gosh Rush in the 1800s. The image of Chinese
miners in Gold Rush is influent to the image of the Chinese
Americans from Hollywood firms. It is hard to truly know the
Chinese culture through the media. I doubt that Chinese culture
does not assimilate to the society of California. In the
Chronicling California, it pointed out that the Chinese culture

2. was not quite “fit” into the California society: “the expulsion of
the Chinese is not demanded on the ground that they represent
cheap labor... they are regarded by the thoughtful as
objectionable because they represent a substitution of
unchangeable foreign and hopelessly unassimilative material for
that which is malleable and assimilative” (100, Hoikkala and
Wallis). Most of the Chinese miners had the strong
responsibilities to support their families by sending the money
to oversea. The loss of currency conflicts with the California
society also indirectly caused the Chinese Exclusion Act later in
1882. Comparing to other immigrants, Chinese suffered the
unequal treatments, which is why it is hard to see the Chinese
cultures in the early Hollywood films.
While Hollywood has published some great firms about the
World War II, it emphasized the victory of the United States,
avoiding the fact that how the California government treated
unfairly to the Japanese American after the Empire of Japan’s
attack on the Pearl Harbor. The Execution Order 9906
According to the article “Hollywood has whitewashed Asian
stories for decades. This year, they couldn't ignore the
backlash” by Traci G. Lee and Lakshmi Gandhi, they
https://www.nbcnews.com/news/asian-america/hollywood-has-
whitewashed-asian-stories-decades-year-they-couldn-t-n830241
https://www.hollywoodreporter.com/news/why-hollywood-film-
talent-is-flocking-china-1124383
Content you can use however make sure find another 4
academic article, book, research book to add it. (and modify
grammar errors)

3. 1.
a huge contribution factor to the disparity is insurance structure.
We have taken a deep look at various insurance structures
around southeast USA and we found that Miami has one of the
most favorable structures for those in low income communities,
so we wish to expand this to other cities and provide the low
income communities with more assistance that they would not
be able to afford otherwise. Yan has taken the lead on
conducting research on this form of insurance and will dive into
later.
The Florida Hurricane Catastrophe Fund (FHCF) was created in
November 1993 during a special legislative session after
Hurricane Andrew. The purpose of the FHCF is to protect and
advance the state's interest in maintaining insurance capacity in
Florida by providing reimbursements to insurers for a portion of
their catastrophic hurricane losses.
Miami is located between Biscayne Bay, Florida's Everglades
and the Atlantic Ocean in the southeast corner of Florida, and
the main portion of the city lies on the shores of Biscayne Bay
which contains several hundred natural and artificially created
barrier islands, the largest of which contains Miami Beach and
South Beach. It is a gathering place for the hurricane, and there
is a high chance that the hurricane will occur.
Hurricane poses a huge risk of property damage and serious
casualties. At this time, we need insurance to reduce and spread
the risk. And the best insurance at Miami to protest the
hurricane is catastrophe insurance. Catastrophe insurance refers
to the risk of causing huge property losses and serious
casualties due to natural disasters such as earthquakes,
hurricanes, tsunamis… Through insurance to diversify risk. It’s
Government-led reinsurance program - Florida Hurricane
Catastrophe Fund. The state government assumes the risk of

4. catastrophe as a reinsurer. The catastrophe insurance program
implements financially subsidized rates and enjoys federal tax
exemption. Its operation is supervised by the state government's
management committee. It is mandatory for insurance
companies that operate property and liability insurance in
Florida to cover hurricane risks and participate in this hurricane
reinsurance fund. It is not mandatory for policyholders to
ensure hurricane insurance. (This catastrophe insurance is free
for every local dweller) And the catastrophe insurance has the
following effects:
1. The function of insurance to spread risks, reduce losses, and
protect people's livelihood. It is conducive to protecting the
legitimate rights of victims, alleviating social conflicts,
coordinating social relations, and promoting social harmony and
stability.
2. Through establishing a catastrophe insurance system,
transforming financial compensation for catastrophe losses into
pre-insurance arrangements, reduce the impact on government
finances through the effective transfer of losses caused by
natural disasters
3. Establishing a catastrophe insurance system can effectively
improve the level of catastrophe risk management. Thereby
alleviating the pressure of social management at all levels of
government and promoting the construction of a service-
oriented government.
The fund sources are mainly:
1. FHCF stipulates that property insurance companies in Florida
must purchase reinsurance in proportion from them. (This
includes personal residences, mobile homes, commercial,
residential structures)
2. the investment income of the fund;
3. If the fund is not enough to make up for the large indemnity
expenses, the FHCF can also issue bonds to the society and
enjoy the same treatment as government bonds.

5. So Individuals generally don’t need to buy hurricane insurance.
However, there is a combination of insurance policies you still
need to purchase to protect your home from hurricane damage
best and support FHCF.
1. A home insurance policy is the first way to protect your home
against a hurricane.
2.Flood insurance: the damage to your home and your
possessions caused by an external flood. If a hurricane causes
rising flood waters and the water enters your home, you would
be covered if you have a policy.
3.Windstorm insurance: the damage to your home and your
possessions caused by an external windstorm.
However, the aid of Insurance is just to solve post-disaster
reconstruction and fund; it does not reduce the actual impact of
the hurricane on the local area.
The Catastrophe insurance is the best way to do this situation
what I know in the insurance part; there is no other city did
better way than this one. In sustainability, we find a useful way
to increase the reserve fund. It is Insurance-linked
securities(ILS). This is a financial product that transfers
insurance risk to the capital market. Catastrophic bonds are
typical ILS. The insurance company issues catastrophe bonds to
investors. If there is no catastrophe within the agreed time limit,
the bond investors will get back the interest and principal. If the
agreed catastrophe occurs, the trigger condition is reached. The
investor will lose interest, even the principal. It’s a feasible way
to use high-interest rate to attract an investor, and put these
funds into the national treasury or purchase national debt. If
hurricane occurs, it will be fund to use: if hurricane not occurs,
just use the above fund to pay for the real interest rate. (the
original interest rate – the national debt interest rate - inflation)

6. 2. Coastal cities all over the world including asia, india, africa,
North America, and Australia
South america rarely gets hurricanes
Focus more on us coastal cities
-Multiple cities on the east coast of The united states
- Sub US islands( caribbean, haiti, puerto rico etc.)
-specifics; people closer to water( rivers, lakes, oceans) and
people who live on lower elevation
Poor communities
-shown to be concentrated around more industrial settings,
resulting in risk of toxic leaks
-flood prone areas
- poor infrastructure
-no money to leave
-no money to repair
-can't adjust to economic shock as well
Rich communities
-flood insurance
-the ability to migrate out of the area
-ability to adapt better to the economy
- flood barriers
1. 1,250words in length (MLA style citations) ，should include
10 sources from normal or website，4 sources should be
academic sources such as academic article, book, research book.
(Works Cited), No personal idea in the essay, (ex, reject to use I
think)
2. The first Page will have the outline:
· The title
· Thesis statement
· Topic sentences

7. 3. Then paper should include introduction/body
paragraphs/evidence/citations.
Thesis statement:
The FHCF made an indelible contribution to the natural disaster
hurricane at Miami, how does it work? And how to help the
poor in the hurricane?
Topic sentences
1. Formation of hurricanes and impact on affected areas，what
are the different outcomes of the poor and the rich? （Overview,
the number of control words is within 200 words）
2. How does catastrophe insurance established by FHCF work
and help post-disaster work, how to solve the above problems at
Miami? （main question should be write）
(use the Existing Literature Review to type:
What’s been/being done to address/fix the problem?
Who’s doing it? Where is funding coming from?
Why are they doing it?
What remains to be done?
Action plan- be as specific as you can be
Likelihood of implementation/success
Sustainability (You have access to any $ amount your team
needs to get this rolling. But that is it. The rest has to be self-
sustainable)) (you can divide this paragraph)
3. summary