Word: spreads
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...interest rates low - like buying up mortgaged-backed securities from Fannie Mae and Freddie Mac - but loans over a certain size are often exempt. The rates on "jumbo" loans (generally those that run about $417,000) have historically been about .25 percentage points higher than on regular mortgages. That spread jumped all the way up to 180 basis points last fall, according to data-tracker HSH Associates - but has since settled down to about 100. Still, that's a big added expense. Plus, consider that for houses worth more than $1.5 million or so, banks are likely to look...
...layoffs were spread across departments and included management staff, but Law School officials declined to specify the exact financial impact of the cuts...
...period that's epic and tragic. There's a point after the industrial period where it seems like humanity's finally going to make it right. There were advances in medicine and technology and education. People are going to be able to live longer lives; literacy is starting to spread. It seemed like finally, after centuries of toiling and misery, that humanity was going to get to a better stage. And then what happens is precisely the contrary. Humanity betrays itself...
...popular revolt that spread across the country in the days after the election has been as startling to ordinary Iranians as to the authorities trying to suppress it. Not since the Islamic revolution of 1979 has Tehran seen such spontaneous outpourings of emotion. Within hours of the announcement of the election results, Tehranis developed their own sign language of dissent. People passing one another stretched hands in peace signs. Drivers on jam-packed streets honked their horns in protest. Apartment dwellers climbed to their rooftops to shout "Allahu akbar" and "Death to dictator!"--a gesture last seen three decades...
Ultimately, the survival of our planet and the solvency of our country will depend on cultural changes that persuade enough of us to use less energy and less health care. The spread of eco-consciousness has helped with energy, but utilities have helped more, and only doctors can lead the way toward a similar less-is-more mentality in medicine. If Washington can change the incentives, the culture will follow the money...