Word: tests
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Dates: during 2000-2009
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...after cocktails but before the first course at dinner," says Mrs. Weise-King. Still in their bridal attire, the couple whipped out their iPhones - they'd done a test run ahead of time and determined that they had to use the web browser and not the simple iPhone app - and switched status in front of bemused wedding guests. (They also uploaded a photo.) Throughout the rest of the night, Weise-King would occasionally glance down at her Facebook profile, "the way I'd glance at my ring when I first got engaged." Their status has not changed since...
...comforted by the results. That's because two different scenarios are used to stress test the balance sheets of financial institutions: baseline and adverse scenario. The baseline was designed to represent the consensus at the time in which the plan was presented. Unfortunately, current macroeconomic conditions are already worse than the adverse scenario (which is closer to the new consensus) for all the three variables of the test -unemployment, real GDP and home prices. (See TIME's "25 People to Blame for the Financial Collapse...
...Take the unemployment rate: the adverse scenario of the stress test is based on an average unemployment rate of 10.3% for 2009. However, at the current pace unemployment is more likely to hit the 11% mark. On a quarterly basis, the rate of unemployment is already well beyond the levels assumed by the adverse scenario for the end of the first quarter of 2009. Similar considerations apply to U.S. real GDP and home prices. (Read about the top 10 bankruptcies...
...losses from the bonds held by banks may be covered by the TARP capital they have received from the government or the money that they have been asked to raise as a result of the "stress test" process. That leaves the more important issue of what it means when the financial distress of the wealthy and nearly wealthy begins to look like the money problems of everyone else. The country counts on the rich for a large portion of it tax receipts. The new budget assumes that upper income households will pay an even larger part of their earnings each...
...over again,” he says. “It’s not rewarding sometimes. That’s when the idea for the Web site was born.”Launched in April 2007, INeedAPencil.com offers SAT prep for free. It provides lessons and practice test questions, and users are able to customize their sessions to fit a certain time frame. But INeedAPencil.com also adds special features to the typical program. These include a visual progress chart that keeps track of completed lessons, a score projector that calculates the actual expected test score based on aggregate performance...