Word: recordability
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...rethinking their reliance on credit scores. In the past year, an increasing number of banks have begun turning to court documents, phone bills and other nontraditional ways of measuring creditworthiness to bolster their lending decisions. The shift comes at a time when the financial industry is suffering from a record number of loan defaults, particularly in the mortgage business. Industry experts say the widely used credit scores, the most famous of which is called the FICO, have not proved as effective in ferreting out bad borrowers as many lenders had anticipated. (Read TIME's "Bailout Report Card...
...builds upon Bush’s 2006 decree that created a similar monument near the Northern Hawaiian islands, Papahanaumokuakea Marine National Monument (which seems to have a syllable for each of its 139,800 square miles). At the time, Papahanaumokuakea was the largest patch of ocean ever preserved, a record broken only by Tuesday’s act, which encompasses 195,280 square miles of pristine marine sites including the Mariana Trench, Rose Atoll, and a string of uninhabited islands and reefs. If Kanye West ever spent sleepless nights wondering whether or not President Bush cares about fish, then...
...total, Bush has protected an oceanic area larger than Texas, a rare act worthy of praise in an administration with a dismal record of environmental stewardship—from refusing to sign the Kyoto Protocol to recently pushing through midnight regulations that allow coal-power plants to be built nearer to national parks. While it may be true that Bush “has done more to protect unique areas of the world’s oceans than any other person in history” as Joshua Reichert, managing director of the Pew Environmental Group, told the New York Times...
...think there are people who might end up doing better on the test if they realize this won’t part of their permanent record,” Fitzsimmons said in an interview on Monday. “I think the whole idea is this policy lets students step back a little...and own their own scores. They took the test and went through the process...and ultimately they should make the decision about whether or not to send the scores to the colleges...
...Congress that convened this week is the oldest in history, with the average Representative's age rising to a record 57. That's three decades older than Aaron Schock, the youngest member of Congress and the first to be born in the 1980s. The 27-year-old Illinois Republican is already a political veteran: he won a seat on Peoria's school board at 19, rose to school-board president at 23 and then won two terms in the Illinois state legislature. He spoke with TIME about his early success, reaching out to Gen Y voters and the odds...