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...problem with option ARMs begins with the fact that people who took out these loans were given the chance to make ultra-low payments for the first few years - and many of them did exactly that. Borrowers, mostly middle- and upper-class with good credit scores, were allowed to make payments that didn't even cover the interest owed (let alone the principal), with the understanding that payments would spike later on to make up for the shortfall. That allowed people to buy bigger, more expensive houses than they would have been able to qualify for otherwise. Plenty of families...
...entirely open. From 2001 until 2003, the Pudding was forced to conduct a truly open punch, complete with postering in the Yard, due to its brief stint as an official student organization subject to the College’s anti-discrimination policies. Those earlier efforts make the Pudding’s current project look restrictive by comparison. This spring, the club still punched over 100 students the old fashioned way—though each was told that he or she could bring along friends, creating something of a hybrid between openness and exclusivity...
...lead to more exciting change on campus in general,” she professes optimistically. Harris envisions that open punch could spread to Harvard’s final clubs as well, eliminating at least one element of the exclusivity that isolates them from the rest of campus. Logistical constraints make many club members skeptical about the prospect of such change, but if it ever came about, it would meaningfully alter the composition of the clubs and the way they are perceived by outsiders—something worth getting excited about...
...nothing. According to Harris, around 10 of the 30 non-punches advanced to the next round, compared with about 40 of the 115 official invites—meaning both groups fared comparably well. It remains to be seen how many of the 10 surviving non-punches will actually make it in, but it doesn’t seem too farfetched that a few will eventually be invited to join the club...
...types of injuries people have make it so that they need about three months of healing before they are able to mobilize themselves,” Rosborough said. “People in the thousands have nowhere to go after emergency treatment...