Word: plan
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...sooner rather than later. The borough's death rate from AIDS is nearly 10 times the national average, which health officials attribute to the fact that about 25% of its residents only learn they are infected after the disease has progressed to full-blown AIDS. In an ambitious plan announced at the end of June, the New York City Department of Health hopes to make HIV testing a basic part of routine medical care -as standard as mammograms, cholesterol screenings and setting broken arms. "Wherever you encounter the health care system, if you're offered the HIV test as part...
...what inspired you to join the world of fashion? -Jennifer Shipton, Lombard, Ill.It was not a plan. It happened to me, in a matter of speaking. And it happened to me when I joined Parsons School of Design in 1983-as a fine artist, not as a designer. I was thrown into a world of many kinds of design, from fashion to architecture to product interiors and graphic design. I had entered Parsons in the admissions office and spent a number of years interviewing students and looking at portfolios representing all these disciplines, so I had to learn...
...most rousing endorsement. But it's probably a fair assessment, at least for the centerpiece of the sprawling legislation--a plan to use the insurance guarantees of the Federal Housing Administration (FHA) to entice lenders to renegotiate up to $300 billion in troubled home loans. It might do some good, and the fact that Frank can't bring himself to say more may have less to do with the legislation itself than with the immensity of the problem Congress is trying to address...
Lenders often agree to loan modifications when borrowers run into trouble--one industry group says 315,000 home loans were modified in the first five months of this year. The Dodd-Frank plan aims to increase that number with help from the FHA. The agency would insure existing loans in which a) the lender forgives at least 10% of the debt and switches to a fixed rate and b) the borrower agrees to split any sale gains with...
This balancing act keeps the plan from being an outright bailout for either lenders or borrowers. But it also limits the likely uptake. The Congressional Budget Office (CBO) has made two estimates--one projects that 500,000 loans would be converted over the three-year life of the program, and the other projects 400,000. If that range proves correct, the plan wouldn't cost taxpayers much; the CBO estimates $729 million to $1.7 billion, depending on the uptake. By contrast, the Defense Department spends about $2 billion a week in Iraq...