Word: musts
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Furthermore, the Federal Government's big loan-modification effort - abbreviated as HAMP - does little to help such borrowers since in many cases lenders will recoup more by foreclosing (the test any loan modification must pass). A recent Bank of America Merrill Lynch study of loan modifications at IndyMac, which provided the template for broader modification efforts, found that about 20% of subprime loans had been rewritten, while fewer than 8% of option ARMs got reloaded. (See pictures of TIME's Wall Street covers...
...this measure pass, the state would do well to provide students who exercise the option to graduate early with productive outlets for their time. Facilitating student internships or job experience in place of 12th grade might serve to offset the negative effects of the program. Additionally, schools in Utah must ensure that these students graduate with the same educational qualifications as their peers; their three years of high school should contain as much subject matter as possible...
Ultimately, states should prioritize education even during times of fiscal difficulty. Allowing schools to suffer budget cuts sends an undesirable message to students. In light of this, the Utah legislature must act on other means to remedy their deficit...
Californians with individual health-insurance policies from Anthem Blue Cross must have breathed a collective sigh of relief on Feb. 13. Under heavy pressure from the state insurance commissioner and the Obama Administration, the company announced that it would delay a set of dramatic rate hikes. In the meantime, at the request of the commissioner, independent actuaries will review the company's books and investigate whether one-year premium increases of up to 39% are legal and justifiable. Surely they can't be, right...
...given that plagiarism is not exactly new - Bertolt Brecht, one of Germany's most influential poets and playwrights, once famously admitted to a "laxity in questions of intellectual property" when he was accused of plagiarizing the French poet François Villon in his play Threepenny Opera - there must be another reason that explains why the Hegemann case has created a stir in Germany. Philipp Theisohn, a professor of literature at the Swiss Federal Institute for Technology in Zurich and author of a book on the history of plagiarism, believes the case struck a chord because the literary world...