Word: perfectability
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...bought or refinanced a house within the past year, there's a 1 in 4 chance you have the Federal Housing Administration to thank. The Depression-era agency, once the last resort of folks who were less-than-perfect credit risks, was practically forgotten during the real estate boom - anyone with a pulse qualified for a mortgage. Now the FHA has resumed its old role by propping up the housing market, since private lenders began shunning all but the least-risky loans. The FHA doesn't lend directly but rather entices lenders do so by agreeing to cover any losses...
...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 ultimately need tens of billions of dollars of outside funding to help cover its losses...
...maybe the medical school is a bastion of young adult tension and angst, rife with raunchy relations between that kid who spent every waking second studying for orgo and that girl who published an article in Nature junior year and got a perfect score on the MCATs...
...chintzy. “Vanilla,” as Mercedes charges. Turns out they saved the good stuff for the episode. This arrangement is more balanced between the characters, lacks the droning endlessness of the CD version, and suffers less from the (still-underwhelming) ending. Rachel makes a perfect little Idina, and we’d be first in line for Wicked starring Kurt. But what’s best about this number is the struggle Kurt brings to it. “I’m through accepting limits ‘cause someone says they?...
...first song, “Cowboy Casanova,” despite its title, is a distinct break from Underwood’s earlier work. It affects a Lambert-lite stomp and swagger, but Underwood is no rockstar. She sings in perfect pitch, but there is no feeling; in a market where the pop audience demands sincerity, or at least heart, Underwood can provide neither. Worst of all, the song lacks recognizable hooks or an engaging melody. It’s all bluster, no substance...