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Fourth, mortgage re nancing combined with subprime lending Low rates and adjustable rate mortgages (ARM) created a huge re nancing industry It spread like wild re and resulted in a housing bubble Subprime mortgages were like gasoline to the eventual housing re Such lending practices were based on the philosophy that everyone should own a home A worthy goal, but highly unrealistic In other words, not everyone can afford the mortgage payments While residential values kept rising, as they did until they peaked in mid 2006, it didn t seem to matter whether the new owner could afford the home or not The owner was always able to re nance at a higher home evaluation It substantially reduced the equity in home ownership, raising the risk to the overall housing market.

Admit for observation and care in a trauma ward with experience of head injuries, in a district general hospital

We might think that the key criteria for judging a trial system are obvious For a criminal trial they are to ensure that the guilty are convicted and the innocent acquitted But that is not entirely correct (Walker, 2001) It is a desirable by-product rather than system goal First, trials can be decided upon the burden and onus of proof rather than determination of guilt or innocence A nding of not guilty is not a nding of innocence, although that may appear appropriate and is often interpreted as such All a judge or jury may be deciding is that there is insuf cient proof, that there is a reasonable doubt They may have believed the defendant to be guilty, but have had to accept that there is a reasonable doubt in the evidence That is perfectly proper, under our system.

In Exhibit 2.1 the axes are simply expected return and risk. We need to provide some speci city about those terms.

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When the boom ended home prices fell and mortgage payments could not be met by thousands upon thousands of homeowners, we experienced a rash of defaults and foreclosures The crashing housing market became a primary cause of the recession we presently are enduring Again, this was predictable Fifth, an adjunct to the subprime lending were the Federal National Mortgage Association, (Fannie Mae) and the Federal Home Mortgage Corporation (Freddie Mac) The government mission of these US government sponsored enterprises (GSE) created in 1968, was to keep mortgage interest rates low in order to increase their support for affordable housing Again a worthy goal In the past several years, these two GSEs were sometimes encouraged by the US Congress to continue to buy the subprime mortgagebacked securities.

Generally speaking, the administrative side of it is just that, administrative- and business-related, she says Protecting Your Company and Yourself Long advises benefits managers to take the following steps: Step 1 Create a paper trail The most important document is a policy statement that describes your plan s investment goals, identifies the appropriate investments, sets forth benchmarks, and outlines a review process It might state, for instance, Our goal is to set up a diversified line-up of 10 different investment options Those options will be significantly different with regard to risk and reward Step 2 Define the review process Long says that although there is no set time frame, you are required to take a look at your investment products and plan on a periodic basis (eg, quarterly or annually) to assess whether they have met established benchmarks on a one-, three-, five-, and ten-year basis.

Second, the focus is on individual cases and there is nobody, no agency, charged with developing a system perspective Third, even if there was we have no perfect system for judging trials They are self-validating Who tries trials A court may nd and declare someone to be guilty, or not guilty For legal and practical purposes they are now, guilty or not guilty There is, or is not, authority for punishing him or her And, in practice, most of us believe, or assume, that the individual is, or (less frequently) is not, guilty But we do not know, and cannot know for certain, that the court s conclusion is correct Action may be taken, for example fresh evidence found, leading to a review of a conviction, although not of an acquittal.