Word: recentering
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...recent study of credit trends, FICO - maker of the loan-scoring system most widely used by banks - found that among people with high credit scores, consumers were more likely to default on their mortgage than on credit-card or auto loans. In fact, borrowers with a 700-709 score, which is about the middle of FICO's range, were 25% more likely to default on their mortgage loan than on their credit-card commitments. That's a shift from just two years ago, when the opposite was true. (See the best business deals...
...biggest reason for the change in customers' credit behavior has to do with falling housing prices. For a long time, a house was the largest asset of most people. But according to a recent study from housing-value tracker Zillow.com, about 20% of all homeowners are now underwater on their mortgage, meaning they owe more than their house is worth. With housing prices still falling, many see little value in holding on to their home. In fact, some mortgage experts have recommended that individuals walk away from their home loan, repair their credit and start again. (See the worst business...
...This time around, there are growing calls for compliance mechanisms to be built into the strategy. They have become louder as the euro crisis has unfolded in recent weeks, with many officials saying that tougher fiscal oversight might have prevented the collapse of Greece's public finances. "We cannot have a pick-and-mix strategy, allowing everyone to do the easy parts and leave the real challenges to one side," Barroso told the European Parliament last week. "We need strong and true coordination in the economic field." (See the top 10 financial-crisis buzzwords...
...recent years, Lingford has taught many science concentrators who were inspired to try animation after seeing “The Inner Life of the Cell,” an animated film by Harvard biology professors Viel and Robert Lue. The 8-minute clip, which illustrates a cell’s inner workings, received international attention and showcased the didactic possibilities of digital animation. Lingford contacted Viel, and together they designed Animating Science...
...Recent advances in animation have made the medium a useful instructive tool. Before becoming an animator, Lingford studied anatomy and physiology in order to work as an occupational therapist. When she was later asked to animate medical diagrams, she found she did not fully understand the mechanisms she’d once committed to memory. “We have that kind of experience all the time,” Lue says. “When you are asked to storyboard something, you find the gaps in your understanding. Any kind of visual representation—exercises in which students...