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...when the Federal Reserve is trying to push rates below 5%. But after faxing his paperwork and waiting for several weeks, Zachery received the same invitation again. Evidently his application had been lost. Zachery's documents had vanished in a flood of urgent requests for mortgage relief. So he sent his materials a second time, but instead of an answer from the service company, he received a letter from lawyers for the bank. This, too, is typical, said Wagoner. Modifications and foreclosures often proceed simultaneously along separate bureaucratic paths, so that the bank's customer-service face is encouraging even...

Author: /time Magazine | Title: House of Cards: The Faces Behind Foreclosures | 2/27/2009 | See Source »

...about ash flow or when a mudflow is coming down a river valley - that has really high stakes. In 1985, an entire town in Colombia, Armero, was obliterated and [about] 23,000 people were buried alive when a relatively small eruption melted snow and ice on a volcano and sent it rushing down this river valley. Scientists knew the eruption had occurred, but the communications process broke down. People in bed or watching a soccer game were buried alive...

Author: /time Magazine | Title: What Do Volcano Monitors Do? | 2/27/2009 | See Source »

...know what they have. "That's like burning books before we open them," says Cary Fowler, executive director of the Global Crop Diversity Trust, which operates the Svalbard vault together with the Norwegian government and the Nordic Genetic Resource Center in Sweden. (Luckily, a group of farsighted Iraqi scientists sent a sample of their seeds to an international seed bank in Syria, before Saddam Hussein's defeat...

Author: /time Magazine | Title: The Planet's Ultimate Backup Plan: Svalbard | 2/27/2009 | See Source »

...important it is to have justice if you are going to have peace. It has confirmed that. There were those amnesties, granted just days after those leaders had committed some unspeakable atrocities. They did not work. The militias refused to disarm and demobilize. They attacked peacekeepers who were sent to disarm them. It just didn't work. Some may have viewed that as peace - with these militias still armed, still committing any crimes they liked...

Author: /time Magazine | Title: Guilty: Justice in Sierra Leone at Last | 2/26/2009 | See Source »

...mutiny is the first serious challenge to the two-month-old government of Prime Minister Hasina, who was elected late last year in a landslide. She sent two emissaries - State Minister Jahangir Kabir Nanak and Mirza Azam, youth front leader of the Awami League - who entered the BDR headquarters with a white flag to signal that the government was willing to negotiate. After lengthy negotiations in her offices with a delegation of 14 mutineers, the Prime Minister declared amnesty for the BDR soldiers who mutinied if they agreed to lay down their weapons...

Author: /time Magazine | Title: Military Mutiny Challenges New Bangladesh PM | 2/26/2009 | See Source »

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