Word: marketed
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That's not to say the FHA has been a particularly graceful savior. In October an internal audit showed that as the agency amassed market share, it did a poor job of screening the thousands of new lenders sending it loans. A review of 22 approved applications found that only one contained all the required supporting documentation. (See pictures of Americans in their homes...
...variables that could materially change the amount that the FHA will need to pay out in claims. For instance: how much money the agency can recoup from foreclosed properties, the growing social acceptability of borrowers' walking away from their houses and the chances that the riskiest loans in the market are finding their way to the FHA since it requires only a 3.5% down payment. Comparing FHA loans with a subset of those made by Fannie Mae (not a perfect analogy, considering that the FHA pretty much backs only 30-year fixed-rate loans), Pinto figures that the FHA will...
Instead of pressure, students in the graduating class of the country's Academy of Fine Arts fashion school feel utterly liberated about entering the job market after the crash. "Before it was 'What are you thinking going into design?' " says Rakel Solros as she put the finishing touches on her homework for the week - a jet black evening dress. "It may be harder to get the loan now, but everyone is prepared to do much more and make something real happen...
...Global Fund's new plan proposes to solve this public-health crisis with a market-based solution. To undercut sales of counterfeits and alternative treatments, the Global Fund initiative will spend more than $220 million to subsidize genuine, effective combination-therapy drugs, and in Cambodia, it will spend an additional $10 million to ensure good distribution around the country. The idea was first proposed in 2004 by a committee of the Institute of Medicine headed by Kenneth Arrow, a winner of the 1972 Nobel Prize in Economics. The idea is that if the market is relied on to root...
...after the drug reduced the malaria death toll in Vietnam 97% from 1992 to 1997, it was touted as the miracle drug that could save people everywhere from the disease. A nonprofit drugmaker in San Francisco hopes that by 2012, it will help put a synthetic artemisinin on the market at a fraction of the cost of harvesting the wormwood herb...