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Fannie and Freddie created the subprime mortgage market by loosening underwriting standards wiith Barney and Chris most efficient the manner. "Just before the crisis, 58% of all U. S. mortgages32 million loanswere subprime or in another way weak. Of these, 24 million, or 76%, were on the books of executive businesses, primarily Fannie Mae and Freddie Mac. This shows incontrovertibly that the govt itself was the source of the demand for these low pleasant loans. The U. S. had once been known for the high high-quality of its loan loans, but this began statistics task change once Congress enacted within your means housing goals in 1992. Under that legislations, Fannie and Freddiewhich were then, as now, the regular setters for the loan marketwere required by the Department of Housing and Urban Development facts project acquire an expanding quota of loans data task borrowers at or below the median income where they lived. As HUD increased this quota between 1992 and 2008, Fannie and Freddie were forced records project reduce their underwriting standardsaccepting loans with 3% down bills in 1995 and 0% down in 2000in order information project find eligible debtors.

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The word also can refer information task the national neighborhood or global community. Since the appearance of the Internet, however, the idea of community now not has geographical barriers, as people can now very nearly gather in an internet neighborhood and share common interests regardless of physical locationIn other words, community shows facts group of people with a ocial Media Best PracticesElefant, C. 2011. The "Power of ocial Media: Legal Issues and Best Practices for UtilitiesEngaging in ocial Media. Energy Law Journal, 321, 1 20. This peer reviewed article in the Energy Law Journal points out that while utilities are starting data project use social media, there are a number of "daunting" considerations in the industry that could be heeded and understood 11. First of all control needs to be assured that staff aren't abusing social media while on the job; secondly utilities must make sure that they don't "run afoul of associate codes of conduct, EC regulation," and other issues Elefant, 2011. This is facts very thorough and updated review of what utilities must keep in mind about social media. On page 6 the writer points out that for years critics of utilities adding customers used social media data project "vent frustration" over slow reaction time or other issues. But now, M. The attempts data task wake up the child by his mother a higher morning were unsuccessful resulting in statistics visit by paramedics who brought the child records assignment the hospital at 6:46 A.

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