Ratepayers, Businesses, and Environmental Advocates Seek to Reverse Decision on Ratepayer Fund Raids

Attorneys for ratepayers, efficiency businesses and environmental organizations have filed an appeal in the U.S. Court of Appeals for the Second Circuit in New York , asking the appellate court to reverse an October 25 U.S. District Court decision that denied plaintiffs a remedy in their lawsuit to force the State of Connecticut to restore $145 million in ratepayer dollars intended to save families money on energy bills and reduce climate pollution. The original lawsuit, filed in May, was filed to stop the state legislature’s 2017 sweep of Connecticut’s energy efficiency and clean energy funds, and to prevent future diversions of ratepayer funds. The original complaint argued that diverting ratepayer funding to plug a budget deficit instead of using the dedicated funds for its intended purpose violates the Contract Clause and Equal Protection Clause of the United States Constitution and functions as an illegal tax on tax-exempt organizations like churches and nonprofits.

“We are pursuing the case to fix the damage the raids have done to Connecticut families and businesses,” said Roger Reynolds, chief legal director at Connecticut Fund for the Environment. “Residents trusted that their ratepayer dollars would go where their electric bills said they would—towards energy efficiency and clean energy programs that save money and cut climate pollution. Instead those hard-earned dollars were used to plug a hole in the state budget. We believe the appellate court will see that the state’s action violated federal contract and tax law, and ask them to correct that mistake to put Connecticut back on the path to a healthier energy future and a stronger economy.”

Judge Janet C. Hall at the U.S. District Court in New Haven ruled in October that the state’s 2017 budget that swept ratepayer funds did not impair contracts between ratepayers and their electric distribution companies because neither utility tariffs nor state law ever promised ratepayers that their dollars would not be transferred to the General Fund for unrelated purposes.

The organizations filing the suit pointed out that when the General Assembly found itself facing a deficit in fall 2017, they passed a budget instructing the state to “sweep” and divert the energy efficiency and clean energy funds to the general fund. However, these funds are not government property, they stressed,  and were not raised through state taxes but were paid by ratepayers to utilities for specific services. Therefore, "seizing these funds amounts to taking ratepayer funds that were paid for another purpose."

As a result of the "raids", the filers of the lawsuit pointed out that "12,900 homes will not receive energy assessments, weatherization upgrades, reduced pricing on insulation, or associated energy bill savings. Furthermore, 5,600 of these are low income households that often require additional financial assistance to close the energy affordability gap.  The award-winning Connecticut Green Bank leverages $6 in private investment for every $1 of renewable energy funding. Yet these sweeps resulted in a 53% reduction in this program’s budget, requiring layoffs and project cancellations."

This case raises an important legal issue relevant beyond Connecticut, according to environment groups,  because it is the first time ratepayers argued in court that when they pay their utility bills with surcharges dedicated for specific programs or services—such as energy efficiency and renewable energy—enforceable contracts arise that cannot be invaded by any state.

"Connecticut’s leaders broke the trust of their constituents when they turned electric ratepayer dollars into an illegal tax,” said lead plaintiff Leticia Colon de Mejias, chair of Efficiency For All (EFA) and founder. “Even in these difficult times, it is obvious that stealing ratepayer funds intended to help Connecticut residents and businesses reduce energy waste, save money on energy bills, and access clean resources is a bad choice."

“Sierra Club Connecticut supports this legal appeal by Connecticut Fund for the Environment and allies, and the advocacy of groups including Efficiency for All, to restore the misappropriated energy efficiency monies that our General Assembly voted to take away and use as a stop gap for our budget woes" said Martha Klein, chair, Sierra Club Connecticut. "It was a myopic mistake, as these funds have been proven to create jobs, make revenue for the state, and reduce climate-destroying greenhouse gas emissions. This type of fund raiding hurts all of us in the long run. That money was taken from ratepayers specifically to improve the efficiency of our whole state, which would save all of us money on energy costs, and improve our health and climate.”

When the initial suit was filed against the state back in May, Governor Malloy  issued a statement that, rather than defending the state action, seemed to take the opposite view:

"This should come as a surprise to no one. I have long maintained that these shortsighted sweeps would increase energy costs for consumers and businesses and cause untold harm to our green energy economy. [W]e should be cementing our role as a national leader in our efforts to combat climate change and protect our communities. The energy sweeps . . . represented a massive step backwards, and I continue to strongly oppose them," Malloy said.

Millennials Make the Most Money in Massachusetts; Connecticut Ranks 16th

If you were born between 1982 and 2000, and you live in Massachusetts, you’re making more money, on average, then people of your generation living elsewhere in the United States.  If you live in Connecticut, there are 15 states where the average salary for millennials is higher. Based on U.S. Census data analyzed by the website howmuch.com, the average salary for millennials in Connecticut is $69,600, compared with $80,307 in Massachusetts.  The states in between, reaching the top 10, are Minnesota ($77,090), North Dakota ($76,836), Washington, DC ($75,220), Maryland ($74,737), New Hampshire ($73,941), Wyoming ($73,345), Alaska ($72,374), New Jersey ($72,150), and Virginia ($71,397).

Also ahead of Connecticut are Utah ($71,284), South Dakota ($70,989), Nebraska ($70,870), Washington ($70,441), and Iowa ($69,739).

The analysis points out that millennials “are the most diverse generation in American history, more of them went to college than previous generations, and they are now the largest contingent in the workforce. Many of them also graduated in the middle of the Great Recession, which economists believe might have a lifelong impact on their wages.”

Geography also plays a role, according to the data.  The South, for example, “clearly stands out as a lackluster region for millennials in the labor market.”  In the Upper Midwest, salaries tend to be higher, and the same is true for much of the Northeast.

With the exception of Washington State, much of the west coast does not stand out.  “This highlights the fact that big tech companies are creating great jobs for a select group of skilled workers,” the analysis points out.

Millennials are making the least amount of money in Florida ($54,889), Mississippi ($53,269) and New Mexico ($51,893).

The data used is 2016 median household income for 25 to 44 year olds, taken from Census data and adjusted by Bureau of Economic Analysis regional price parity data, the most recent and comprehensive available.

Credit Card Balance? CT Residents Have Nation's Second Highest, on Average

With the holiday gift-giving season on the horizon, the sound of credit cards are being pulled from wallets and numbers being typed into online sites is also upon us. Before those bills even come due, Connecticut residents have a head start in building credit card balances. Connecticut residents have the highest average credit card balance, at $7,258, in the continental United States.  Alaska, at $8,515, is the only state where residents have a higher average balance in the U.S.

Rounding out the top ten are Virginia ($7,161), New Jersey ($7,151), Maryland ($7,043), Hawaii ($6,981), D.C. ($6,963), Texas ($6,902), Colorado ($6,718), and Georgia (6,675).  New York is next at $6,671.

The states with the lowest credit card balances overall are Iowa and Wisconsin, with an average of $5,155 and $5,363, respectively.

Connecticut average credit card balance - $7,258, - is not only second highest in the nation, but the average number of credit cards owned by Connecticut residents is 3.23, which ranks fifth among the states.  The states where people opened the most credit cards were New Jersey and New York, with an average number of 3.49 and 3.34 cards per person, respectively.

On the state’s average income of $70,121, which is second highest in the U.S., the average credit card balance is 10.35 percent of income.  Because of Connecticut’s high average income, the percent of income average is fourth lowest among the states.

The analysis, by the financial website Upgraded Points, used data of average credit card balances from Experian’s State of Credit: 2017, and data of average annual income by state in 2017 from research by the Federal Reserve Bank of St. Louis.

The analysis notes that “for the 58.8 percent of American households that pay off their balances in full, credit card debt is not a problem. But the other 41.2 percent carry some amount of debt every month and must pay interest fees.” In 2017, overall American credit card debt, according to Upgraded Points, broke through the $1 trillion mark and set an all-time high. The last time credit card debt was over $1 trillion was right before the Great Recession in 2008. In 2017, a survey by Pew Research found that only 46 percent of Americans made more than they spent.

The data indicates that states near the coasts tend to have the highest absolute credit card balances. “The only two states in the top 10 that aren’t by the ocean are Texas and Colorado.  States in the Midwest tend to have the lowest average credit card balances. Only three states in the bottom 10 were not in the Midwest: West Virginia, Arkansas, and Mississippi.”

Westport Earns Top 20 Ranking Among Nation's Small Cities; Shelton Reaches Top 100

For those looking to identify the best small cities in the nation - with populations between 25,000 and 100,000 – the search may not need to go further than Connecticut, according to a new analysis. Westport was the lone Connecticut community to reach the top 20 nationally, at number 19, with Shelton also earning a place in the top 100, at number 85, and Norwalk (#146), Trumbull (#157) and West Hartford (#159) also reaching the top 200.

The analysis, by the financial services website WalletHub, was based on 40 key indicators of livability, ranging from housing costs to school-system quality to restaurants per capita.  The indicators were grouped into five categories – affordability, economic health, education & health, safety, and quality of life.

On those scales, Westport was ranked 20^th in education & health, 65^th in safety, 82^nd in economic health, 258 in affordability and 595 in quality of life.  Other than Westport, no Connecticut community reached the top 30 in any overall category.

"Of the 22 Connecticut cities analyzed, 18 ranked in the top half. This is an indication that many Connecticut communities are able to offer high quality of life at low living costs," said WalletHub analyst Jill Gonzalez.  "Westport in particular made it to the top of our ranking due to several factors. The city has a very healthy economy, demonstrated by the fact that its residents have one of the highest median household incomes, and had absolutely no personal bankruptcies filed in the past year. It also has one of the lowest crime rates in the country."

Westport tied for fourth in the U.S. for the highest percentage of the population with a high school diploma or higher.  Trumbull had the second lowest percentage of population in poverty in the U.S., just behind Plainfield, lllinois.

Just outside the top 200 communities, were Stratford, Milford, Middletown, Danbury, Newington, Torrington, Bristol, Manchester, and Naugatuck.

Nationwide, among the 1,200 communities included in the analysis, leading the way were Leawood, KS; Carmel, IN; Princeton, NJ; Brentwood, TN; Milton, MA; Needham, MA; Los Altos, CA; Littleton, CO; Newton, MA; and West Fargo, ND.  Massachusetts placed three communities in the top 10 and a total of six in the top 20.  Also reaching the top 20 from the Bay State were Arlington, Melrose and Wellesley.

National Startup Analysis Sees Potential, Standout Efforts Underway in Hartford

A new analysis of the status of the business startup community in six American cities – including Hartford – has found that Connecticut’s Capitol City has “strong startup potential,” and in some ways is already standing out among peers and competitors. Startup Genome, with support from the Kauffman Foundation, selected six U.S. metropolitan areas that are not in the top 40 most populous and which have been faring less well economically than the country as a whole for a deeper analysis.  In addition to Hartford, the analysis includes Albuquerque, Fresno, New Orleans, Reno and Springfield, MA.

“In each of these metros, efforts are underway to support entrepreneurs, create more startups, and generate stronger economic trajectories. Like many other American cities (and elsewhere), they’ve been through economic ups and downs and now see startups as their next best hope for sustainable and broadly-shared growth,” the report, released this week, points out.  Startup Genome works to increase the success rate of startups and improve the performance of startups across more than 30 countries.

“Every startup ecosystem shows room for growth and improvement, and Hartford has key strengths to build on. The city's strong heritage in insurance is already being leveraged by many stakeholders and the ecosystem is clearly attracting experienced talent to start and join companies,” Dane Stangler, president & chief policy officer of Startup Genome told CT by the Numbers.

In Hartford, reSET, which specializes in encouraging and assisting entrepreneurship and social enterprise, was among several local partners with whom Startup Genome worked to gather data from more than 300 respondents.  Additional partners were the MetroHartford Alliance, Wesleyan University, UConn’s Connecticut Center for Entrepreneurship and Innovation, Upward Hartford,  as well as Launch EZ, the West Hartford Chamber of Commerce and others.

“More broadly, Hartford shows greater diversity than peer ecosystems and already has a few hundred startups operating. By continuing to strengthen the local culture and focusing on startup success in key areas, the Hartford economy will enjoy higher levels of job creation and growth,” Stangler added.

Hartford and the other cities were determined to be in the Early Activation phase of the Ecosystem Lifecycle, with a mix of prominent attributes and areas with potential yet to be realized.  In its analysis, the report indicates that “just in the span of a few years the startup scene has exploded,” in Hartford, noting that:

• investors and experts in Hartford provide more hours of help to founders than in the other cities, and more than the global average. (Experts include university faculty, corporate employees, mentors, and others.)
• nearly four in 10 founders in Hartford are women, which is twice the global average across all ecosystems in the Startup Genome database.
• 11 percent of startup founders in Hartford are immigrants, the second-highest in the sample.

“We’re so grateful that Startup Genome was able to include Hartford in its recent analysis of early-stage ecosystems, thanks to support from the Kauffman Foundation,” said reSET Managing Director Ojala Naeem.  “Our great city is too often overlooked, and with local and state funding being what they are, national attention on all of the amazing businesses making an impact here is more important than ever. We have so many smart and motivated entrepreneurs who are worthy of investment consideration. They just need a spotlight.”

The comprehensive assessment of Hartford’s ecosystem also noted that “Hartford’s [startup] founders claim to have the right ambition to go global,” concluding that “Hartford’s startups have more potential to strengthen Global Market Reach and Global Connectedness.” In a number of areas analyzed in the assessment, Hartford is seen as having potential to strengthen the local startup community, its reach beyond Hartford, and the demographic of startup teams.

During the past seven years Startup Genome has provided a way for entrepreneurs everywhere to “tell us about their journeys and their regions - giving their local expertise a voice at the policy-making table.” The organization’s primary research with founders, supplemented with secondary research and data from global and local partners, helps create the world’s most comprehensive research on startups. Approximately 10,000 startup founders fill out global survey providing direct input each year.

“Hartford has some record of successes – generating more will help ecosystem size and performance,” Startup Genome observed in its assessment of Hartford.

Income Inequality Increasing Faster in CT Than US; Among Largest Disparities in Nation

In Connecticut, to earn a place in the top one percent would require making $700,800, the highest threshold in the nation.  The average annual income of the top one percent is also among the highest in the nation at $2,522,806.  That is 37 times the annual income of the bottom 99 percent, which is $67, 742, according to data analyzed by the Economic Policy Institute. The data reveal that the top one percent take home 27.3 percent of all the income in Connecticut, and that the share of income by the top one percent has increased at a faster rate in Connecticut in recent years than in the nation as a whole.

Connecticut ranks #3 of the 50 states in income inequality, based on the ratio of top one percent to bottom 99 percent income.  (New York’s top one percent makes 44 times the bottom 99 percent; Florida 39 times; Connecticut 37 times)  The Bridgeport-Stamford-Norwalk metro area is the most unequal metro area in Connecticut, the data indicate. The top 1 percent make 62.2 times more than the bottom 99 percent.

Overall in the Northeast, the top 1 percent take home 24.7 percent of all the income in the Northeast.  The average annual income of the top one percent is $1,777,756 compared with $54,662 for “everyone else,” the other 99 percent.  Nationwide, the top one percent take home an annual income of $1,316,985 versus $50,107 for the other 99 percent.   The most unequal metro area in the U.S. is Jackson, WY, where the top one percent make 132 times the rest of the population.

The data is based on an Economic Policy Institute report published this summer. EPI is an independent, nonprofit think tank based in Washington, D.C. that researches the impact of economic trends and policies on working people in the United States.

The report used 2015 data, the most recent available, finding that the top 1 percent of families in the U.S. earned, on average, 26.3 times as much income as the bottom 99 percent—an increase from 2013, when they earned 25.3 times as much.

Eight states plus the District of Columbia had gaps wider than the national gap. In the most unequal—New York, Florida, and Connecticut—the top 1 percent earned average incomes more than 35 times those of the bottom 99 percent.

The report found that income inequality has risen in every state since the 1970s and, in most states, it has grown in the post–Great Recession era. From 2009 to 2015, the incomes of the top 1 percent grew faster than the incomes of the bottom 99 percent in 43 states and the District of Columbia.

(Infographics:  Economic Policy Institute; howmuch.net)

Connecticut Has Nation's Highest Average Student Loan Debt, Analysis Shows

The average student debt in Connecticut is higher than any state in the nation, according to a new analysis.  The latest annual report from The Institute for College Access & Success (TICAS), a nonprofit and nonpartisan organization focused on making higher education more affordable, looked at the Class of 2017 broken down by the state in which they graduated college. The average student debt in Connecticut was $38,510, just ahead of Pennsylvania ($36,854), Rhode Island ($36,250), New Hampshire ($34,415), Delaware ($34,144), New Jersey ($32,247) and Massachusetts ($32.065).  On the other end of the scale are Utah ($18,838), New Mexico ($21,237) and Nevada ($22.064).

As the data reflects, the highest student debt is in states located in the Northeast. There are only two states from the Deep South where average debt tops $30,000, Alabama and Mississippi, and none are from the West Coast. States in the West produce graduates with average debt burdens of only $19-25,000, substantially less.

Nationally, about two in three graduating seniors had student loans. Their average debt was $28,650, about 1 percent higher than the Class of 2016. New graduates’ likelihood of having debt varied from 38 percent (Utah) to 74 percent.  In Connecticut, it is 57 percent.

In all but 8 states, 50 percent or more graduates are saddled with debt of some amount. New Hampshire, South Dakota and West Virginia are tied for having the greatest percentage of indebted graduates (74%). Utah takes first place as the most affordable where only 38 percent of students leave owing student loans.

Between 1996 and 2012, federal data on bachelor’s degree recipients show that the average debt of borrowers increased steadily, according to the study, at an average of 4 percent per year. It has edged higher only slightly in recent years.

(Infographic by howmuch.)

Norwalk Joins Sustainable CT Effort

Norwalk is the latest Connecticut municipality to join Sustainable CT, a statewide initiative that offers detailed array of sustainability best practices, tools and resources, peer learning, and opportunities for recognition.The Sustainable CT platform supports a broad range of actions, such as improving watershed management, supporting arts and creative culture, reducing energy use and increasing renewable energy, implementing “complete streets” (streets that meet the needs of walkers and bikers as well as cars), improving recycling programs, assessing climate vulnerability, supporting local businesses, and providing efficient and diverse housing options.   “I am delighted the city has joined Sustainable CT in our latest efforts to develop and implement sustainability and renewable energy initiatives in Norwalk,” said Mayor Harry Rilling. “Being energy conscience is the right thing to do as we all have a moral obligation to lessen our environmental impact. I am glad the city has taken a leadership role and joined this important sustainability initiative.”  Norwalk’s Council approved the resolution to join Sustainable CT in mid-August and designated the Common Council Planning Committee as the “Sustainability Team” for the program. Norwalk was officially registered with Sustainable CT on August 24.

The Sustainable CT initiative was developed under the leadership of the Institute for Sustainable Energy at Eastern Connecticut State University in partnership with the Connecticut Conference of Municipalities.

There is no cost to participate and communities voluntarily select actions that meet their unique, local character and long-term vision. After successful implementation of a variety of actions, municipalities will be eligible for Sustainable CT certification. According to the organization’s vision statement, “Sustainable CT communities strive to be thriving, resilient, collaborative, and forward-looking. They build community and local economy. They equitably promote the health and well-being of current and future residents, and they respect the finite capacity of the natural environment.”

“We are thrilled that Norwalk has passed a resolution to join Sustainable CT. The program builds on many current success stories in our communities to create and support more great places to live, work, and play,” said Lynn Stoddard, Director of the Institute for Sustainable Energy. “We are looking forward to working with the city as they pursue Sustainable CT certification."

The town of Thomaston joined the initiative in July. Three Connecticut philanthropies - The Emily Hall Tremaine Foundation, the Hampshire Foundation, and the Common Sense Fund – have supported the program's development and launch.

New $1 Coin Series to Be Produced by U.S. Mint; CT’s Himes, Murphy Advocated for Innovation – and CT Company

American innovation is about to be highlighted by the U.S. Mint, but don’t expect to see the results in your loose change. The American Innovation $1 Coin Act will launch the newest numismatic coin program of the United States Mint later this year. The Mint will soon produce and sell $1 collector coins in recognition of American innovation and significant innovation and pioneering efforts of individuals or groups from each of the 50 States, the District of Columbia, and the five U.S. territories.  The new program – passed by Congress and signed into law this year - calls for the minting and issuance of non-circulating American Innovation $1 coins.

The legislation was initially proposed by U.S. Rep. Jim Himes of Connecticut’s 4^th District, and in the Senate by Connecticut U.S. Sen. Chris Murphy.

The program’s duration is a 14-year period that begins January 1, 2019.  The coins are to be issued in the order in which the state or territory ratified the Constitution or were admitted to the Union. The law also authorizes a 2018 introductory coin which will be minted and issued in the latter part of this calendar year.

When the bill passed the House, Himes said: “This bill will support jobs and the industry around collectible coins, including here in Connecticut, all without costing taxpayers at all.” Murphy added: “Our country was built on innovation and entrepreneurship, and what better way to celebrate it than through a program that creates jobs and reduces the national debt.”

He noted that the proposed coin series would also support local jobs at Norwalk-based MBI Inc., one of the leading commemorative coin companies in the country.

The introductory coin will bear an obverse common to all coins in the program. It will consist of a likeness of the Statue of Liberty, and the inscriptions of “$1” and “In God We Trust.” The reverse of the introductory coin will be inscribed with “United States of America” and “American Innovators,” and it will include a representation of President George Washington’s signature on the first U.S. patent. The inscription of the year of minting or issuance, mint mark, and “E Pluribus Unum” will be edge-incused into all coins.

American Innovation $1 coins, to be issued at a rate of four new coins per year, will bear a reverse image or images emblematic of a significant innovation, an innovator, or a group of innovators from each of the 50 states, the District of Columbia, and the territories of the United States.  Published reports indicate that the $1 coins would sell for more than face value — up to $1.32 — providing a healthy profit for the federal government since the coins cost less than 35 cents to make.

“Americans tinkering in the shed, programming in the garage, and growing big ideas from humble roots have always had great impact on our economy and future,” added Himes. “We can honor them, inspire a new generation of entrepreneurs and scientists, and help the economy with this coin series.”

MBI markets a wide range of historic coinage, like rare silver dollars and foreign coins from antiquity, according to the company website.  The company also capitalizes on the newly minted designs in circulation, and has already begun marketing the new state innovation dollar series to collectors.  The coins offered by the company, through PCS Coins, would be “protectively encased” in custom-designed “collector panels” prepared for placement in albums.  The coins will also be available from numerous other sources, but will not be issued by the U.S. Mint for general circulation.

The company’s publicity suggests that the Connecticut coin would include a back design honoring the state’s contribution to American Sign Language, but it is unclear if that decision has yet been made.  The company’s coin designs are shown on marketing materials “for illustrative purposes only.”

According to the legislation, the Secretary of the Treasury will select the designs after consultation with each Governor or other chief executive and the U.S. Commission of Fine Arts; and review by the Citizens Coinage Advisory Committee.

Congress created the United States Mint in 1792, and the Mint became part of the Department of the Treasury in 1873. As the Nation’s sole manufacturer of legal tender coinage, the Mint is responsible for producing circulating coinage for the Nation to conduct its trade and commerce. The Mint also produces numismatic products, including proof, uncirculated, and commemorative coins; Congressional Gold Medals; silver and bronze medals; and silver and gold bullion coins. Its numismatic programs are self-sustaining and operate at no cost to taxpayers, according to the Mint.

Bridgeport, New Haven Among Nation's 50 Most Stressful Cities, Analysis Says

Stress?  Look no further than Bridgeport and New Haven.  Both cities were ranked in the top 50 Most Stressed Cities in America, a new ranking produced by the financial website WalletHub. Bridgeport ranked 33^rd and New Haven 41^st, based on analysis that considered stress in four areas:  the workplace, finances, family, and health and safety as contributing factors.

The most stressed cities in America, according to the analysis, were Detroit, Newark, Cleveland, Birmingham, Toledo, Baltimore, Wilmington, Milwaukee Gulfport and St. Louis.  Among New England cities, Bridgeport led the list, followed by Worcester (37), New Haven, Boston (52), and Providence (57). 

Bridgeport ranked 17^th in the workplace stress category and 23^rd in financial stress; 103^rd in family-related stress. Bridgeport also had among the lowest average weekly work hours, tied for 176^th among the 182 cities included in the rankings.  New Haven ranked 168th in that category.

New Haven was 37^th in health and safety related stress; in the mid-50’s in the other categories.

WalletHub evaluated the 150 most populated U.S. cities, plus at least two of the most populated cities in each state, using the four dimensions including 37 relevant metrics.  Those metrics included job security, traffic congestion, unemployment rate, average commute time and income growth in the work stress category.  Financial stress included evaluation of annual household income, foreclosure rate, food insecurity, housing affordability and debt per median earnings.

The family stress category included the separation and divorce rate, number of single parent households, child care costs and other factors.  The ten factors considered as part of the Health & Safety stress category included mental health, smoking, obesity, inadequate sleep, crime rate and hate-crime incidents.

Greensboro, North Carolina, residents spend the fewest annual hours in traffic congestion per auto commuter, 4, which is 25.5 times fewer than in Los Angeles, the city where residents spend the most at 102, according to the data.  Bridgeport and New Haven tied for 36th in the traffic congestion rankings.

Data used to create this ranking were collected from the U.S. Census Bureau, Bureau of Labor Statistics, INRIX, Chmura Economics & Analytics, Indeed, Federal Deposit Insurance Corporation, Renwood RealtyTrac, County Health Ranking, Zillow, Administrative Office of the United States Courts, TransUnion, Department of Housing and Urban Development, Council for Community and Economic Research, Gallup-Healthways, Numbeo, Centers for Disease Control and Prevention, Federal Bureau of Investigation and Sharecare.