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...consultancy Oliver Wyman, nearly 600,000 borrowers might have intentionally defaulted on their mortgages in 2008, twice as many as the year before. The social norm that in previous eras would have prevented people from simply walking away from their homes seems to be eroding - but HAMP puts a low priority on reducing the overall amount a person owes. In fact, among permanent modifications, the average loan amount as compared to home price (the so-called loan-to-value ratio) has increased...
While it is admirable that HLS has moved to increase its allocation of financial aid by $2.7 million, this does not serve the same purpose of helping those who need it most. Students from low-income backgrounds who go into corporate law after graduation will no longer be low-income students when they are paying back their loans. Monetary resources should be directed toward those who will actually have difficulty with loan repayment, and that will be students in lower-paying public sector jobs...
...corporate law labor market, demand for public service jobs is up at the moment. Consequently, the flow of students into public interest careers may remain high for the immediate future. In this job market, the post-graduation employment choice for law students is often between no job and a low-paying public sector position, in which case the latter option would still be relatively more lucrative. However, this does not excuse the elimination of an important program that enabled HLS’s students to use their skills to promote the common good, and we hope to see the school...
...many of us are catching as passers and not catching as shooters,” Delaney-Smith said. “We’re catching the ball, and then getting low and looking to shoot. I want us to be catch-and-shoot people...
...Karzai know that without American protection, he could be swinging from a lamppost in Kabul like several of his predecessors?) And as for the argument, made passionately by some in the military, that a specific date for starting the withdrawal is an invitation for the Taliban to lie low until we leave: "They simply won't do that," says Leslie H. Gelb, former president of the Council on Foreign Relations. "If you stand down, you allow the enemy - even this inept Afghan government - to create a bow-wave effect, to create the impression of authority and security. The Taliban aren...