Word: lowerator
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Dates: during 2000-2009
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...that response. Neither shot has proved effective alone, yet together they seemed to trigger a modest immunity--although no one yet knows why. Fifty-one people who received the vaccine became infected with HIV, compared with 74 who received a saltwater placebo, a barely significant difference. And while a lower risk of infection normally derives from a drop in the amount of virus circulating in the blood--with less virus floating around, there is less chance that HIV can bind to healthy cells--that did not happen in this study. Which means that although those who are vaccinated might...
...homeownership? Let me count the ways. First, more than 80% of the mortgage loans made in the U.S. so far this year have been bought by the government-sponsored entities (GSEs) Fannie Mae, Freddie Mac and Ginnie Mae. That keeps the interest rates on those GSE-backed mortgages substantially lower than on mortgages that can be sold only on private markets, because taxpayers are on the hook for defaults on the former. That risk, long hypothetical, became reality as we got stuck with a $291 billion rescue bill for Fannie and Freddie in the fiscal year that ended in September...
...figure was 58%; today, it is 4%. This shift has meant that schools have had to raise tuition in order to pay more lay teachers. Meanwhile, increasingly middle-class Irish and Italian families started moving to the suburbs, leaving urban Catholic schools to cater to a majority of lower-income blacks and Hispanics. Less money coming into the church has led to even higher tuition, fewer students who can afford to attend the schools and the potential for even more closures. (Watch an audio slide show about a cloister of young nuns in New Jersey...
...schools in Washington converted to charter schools. In Miami, eight schools have followed the same route. In Wichita, Kans., which still has a strong Catholic community, parishioners are encouraged to give a certain percentage of their salary to the diocese, which allows for tuition-free schooling for Catholics and lower tuition costs for non-Catholics. As a result, the diocese has not closed any schools in the past decade...
...Similar motivation schemes have worked elsewhere in the world. In the U.S., for example, more than a dozen states have started rewarding students with cash for improved test scores and enrollment in advanced-placement courses. In Britain, the Education Maintenance Allowance (EMA), which focuses on helping children from lower-income families, awards students with monthly payments if they've met attendance and performance targets. Like its U.S. counterparts, the EMA initiative puts money directly into students' pockets to spend as they wish. In the decade since it began, the program has reversed dropout rates by more than 2% annually. (Read...