... refinance loan is a refinanced loan granted for an amount greater than what the borrower owes on the prior loan The additional amount of the refinance is funded by existing equity Mortgage Loan ... Financial Crimes Enforcement Network Mortgage Loan Fraud Financial Crimes Enforcement Network Mortgage Loan Fraud An Update of Trends based Upon an Analysis of Suspicious Activity ... identify the loans as such Filers did note that six purchase loans and one refinance loan were FHA insured loans Figure 21 provides a comparison of loan types for the initial and updated reports...
Ngày tải lên: 06/03/2014, 19:20
... economic analyses: a reappraisal Bank of Japan Monetary and Economic Studies, 14, 79 ±99 Givazzi, F and Pagano, M (1988) The advantage of tying one's hands Ð EMS discipline and central bank credibility ... independence, inflation, and growth in transition economies Journal of Money, Credit and Banking, 29, 381±399 Mangano, G (1998) Measuring central bank independence: a tale of subjectivity and of its consequences ... central banks 18 Another set of papers that aims at integrating CBI and CWB models comes from the political science literature Franzese (1999a), Hall and Franzese (1998), and Franzese and Hall...
Ngày tải lên: 15/03/2014, 10:20
Tài liệu WATER QUALITY UPDATE: An Analysis of November 2012 Sampling Data pdf
... increased ozone and chlorine demand resulting in the need for higher ozone and chlorine doses and can increase the level of DBPs UV 254 is impacted by the amount of Quabbin transfer and the doses, ... Quabbin transfer and the doses, DBPs UV-254 transfer, quality and quantity of tributary flows into the Wachusett Hurricanes can have a significant and long lasting impact Bromate is tested monthly ... annual average (RAA) standard is 80 µg/L for TTHMs and 60 µg/L for HAA5s Effective Q2 2013, under the Stage DBPR compliance will be based on a LOCATIONAL running annual average, rather than an...
Ngày tải lên: 19/02/2014, 17:20
Diagnosis, Management, and Treatment of Hepatitis C: An Update docx
... Treatment of Patients After Solid Organ Transplantation The prevalence of hepatitis C infection in recipients of solid organ transplants varies depending on the organ received Currently, 40% to 50% of ... following renal transplantation: an update Nephrol Dial Transplant 2003;18:1260-1265 260 Choy BY, Chan TM, Lai KN Recurrent glomerulonephritis after kidney transplantation Am J Transplant 2006;6:2535-2542 ... EVR had an SVR rate of 75%, and those who achieved an undetectable HCV RNA at week 24, had an SVR rate of 45%.107 Because of the rapid clearance of virus from serum, patients who achieve an RVR...
Ngày tải lên: 08/03/2014, 14:20
Urban Air Pollution and Climate Change as Environmental Risk Factors of Respiratory Allergy: An Update potx
... Particulate matter is a mixture of organic and inorganic solid and liquid particles of different origins, size, and composition It is a major component of urban air pollution and has the greatest effect ... risk factors than traffic volume for wheezing in early infancy Infants living near stop-and-go bus and truck traffic had a significantly higher prevalence of wheezing than nonexposed infants [23,24,26-29] ... degradation of air quality as a result of increasing levels of outdoor air pollutants such as vehicle emissions [7-20] An understanding of the interplay between genetic background and environmental...
Ngày tải lên: 23/03/2014, 02:20
An update to the World Bank’s estimates of consumption poverty in the developing world* pot
... 36% between 1981 and 2008 The proportion of poor is lower now in South Asia than any time since 1981 The number of poor had been generally rising in Latin America and the Caribbean (LAC) until ... Most of the 649 million fewer poor by the $1.25 per day standard over 1981-2008 are still poor by the standards of middle-income developing countries, and certainly by the standards of what ... began, the data indicate a decline in both the poverty rate and the number of poor in all six regions of the developing world Between 2005 and 2008 the percentage living below $1.25 a day and...
Ngày tải lên: 29/03/2014, 09:20
Báo cáo khoa học: "Merkel cell carcinoma of the upper extremity: Case report and an update" pps
... design of the study and performed the statistical analysis; MK: conceived of the study, and participated in its design and coordination and helped to draft the manuscript KK: conceived of the ... are common, and distant metastases can also occur, particularly in liver, bone, lung, brain and skin Rare cases of distant metastases of MCC in bone marrow, pleura, testis, small bowel and stomach ... of the study, and participated in its design and coordination and helped to draft the manuscript MD: Supervised the preparation of the article and helped in preparation of final manuscript 20...
Ngày tải lên: 09/08/2014, 07:21
Báo cáo y học: "What determines the evolution of early undifferentiated arthritis and rheumatoid arthritis? An update from the Norfolk Arthritis Register" ppt
... role of anti-CCP autoantibodies in predicting outcome in RA and IP Anti-CCP antibodies are present in around 55% of patients with early RA and have been found to predict the development and progression ... development of antiCCP antibodies, is mediated by the enzyme peptidylarginine deiminase — of which there are five isoforms A Japanese group reported an association between the PADI4 gene and RA [33] ... 1308-1315 van der Heijde DM, van Riel PL, van Leeuwen MA, van’t Hof MA, van Rijswijk MH, van de Putte LB: Older versus younger onset rheumatoid arthritis: results at onset and after years of a prospective...
Ngày tải lên: 09/08/2014, 08:22
báo cáo khoa học:"The hierarchy of stability and predictability in orthognathic surgery with rigid fixation: an update and extension" ppt
... changes of 4 mm as often beyond the range ... percent of the Stability after the combination of superior repositioning of the maxilla and advancement of the mandible: a, the percent of the patients with changes in the horizontal position of landmarks ... yearcombination of superior repositioning of the the first weeks postsurgery; b, the percent with changes from Stability changes in the horizontal position of landmarks in maxilla and advancement of the mandible:...
Ngày tải lên: 11/08/2014, 23:22
The role of tea in human health an update
... 3:565–570, 1994 Hartman T, Tangrea J, Pietinen P, Malila N, Virtanen M, Taylor P, Albanes D: Tea and coffee consumption and risk of colon and rectal cancer in middle-aged Finnish men Nutr Cancer 31:41–48, ... can induce apoptosis and inhibit the growth of human stomach cancer cells in a time and dose dependent manner [84] Several studies conducted in Japan and China have shown a protective effect of ... Kuroda Y, Hara Y: Antimutagenic and anticarcinogenic activity of tea polyphenols Mutat Res 436:69–97, 1999 Bushman J: Green tea and cancer in humans: a review of the literature Nutr Cancer 31:151–159,...
Ngày tải lên: 10/04/2015, 17:16
Intelligent Software Agents on the Internet: an inventory of currently offered functionality in the information society & a prediction of (near-)future developments
... types handle Computer agents (in the short and medium term) will handle standard tasks and all those tasks that a computer program (i.e an agent) can faster or better than a human can Human intermediaries ... levels and patterns of exchanges Their ability to handle complex, albeit mechanical, transactions, to process millions of bits of information per second, and to act in a demonstrably evenhanded ... developing area of research However, to many it is unclear what agents are and what they can (and maybe cannot) In the first part, this thesis will provide an overview of these, and many other agent-related...
Ngày tải lên: 08/10/2012, 15:22
Báo cáo y học: "Pre-hospital intubation by anaesthesiologists in patients with severe trauma: an audit of a Norwegian helicopter emergency medical service"
... national HEMS system of Norway, and its primary areas of operation are the mixed urban and rural districts of Rogaland County, which consist of just over 400,000 inhabitants The medical conditions ... (13%) and consultants (88%) and the proportion of patients with ETI in the ED cared for by residents (13%) and consultants (87%) (p = 0.81) The individual physician performed between and 11 (median ... reporting of data from pre-hospital advanced airway management Scand J Trauma Resusc Emerg Med 2009, 17:58 Franschman G, Peerdeman SM, Greuters S, Vieveen J, Brinkman ACM, Christiaans HMT, Toor...
Ngày tải lên: 25/10/2012, 09:56
An analysis of key changes under ucp 600 compared to ucp 500 and recommendations for better ucp 600 application.doc
... special credit 1.2.2 The mechanics of letter of credit transaction The mechanics of the letter of credit transaction can be quite complex and has been standardized by a set of rules published by the ... the terms and conditions of the LC, the applicable UCP and international standard banking practice, the issuing bank or confirming bank, if any, is obliged to honour irrespective of any instructions ... credits stipulate Issuing bank (Opening Bank) The bank issues the letter of credit on behalf of the applicant Confirming bank A bank that at the request of the issuing bank, assures that drawings...
Ngày tải lên: 27/10/2012, 16:40
An Enemy of the People
... Peter Stockmann Toddy too! Dr, Stockmann Yes, sit down and we will have it comfortably Peter Stockmann Thanks, I never care about an evening's drinking Dr Stockmann But this isn't an evening's ... But a scientific man must live in a little bit of style I am quite sure an ordinary civil servant spends more in a year than I Peter Stockmann I daresay A civil servant a man in a well-paid position ... Doctor's elder brother), Mayor of the town and chief constable, Chairman of the Baths' Committee, etc MORTEN KIIL, a tanner (Mrs Stockmann's adoptive father) HOVSTAD, editor of the "People's Messenger."...
Ngày tải lên: 06/11/2012, 14:12
An Army of Convicts
... able to keep their home and maintain a decent standard of living There was no abundance of money and Adam learned the value of a dollar early on During the two years of his father's convalescence ... Nation and took asylum Over the next one hundred seventy five years or so, many of them remained and were regarded as members of the tribe When the Bureau of Indian Affairs started enrollment of ... his new post of duty at Fort Lewis, Washington Henry, as he preferred to be called or Hank had just completed eighteen years of outstanding military service and was an E-8 Master Sergeant at age...
Ngày tải lên: 06/11/2012, 16:13
An evaluation of the material “basic english iii” for the second year non- english major students at bac giang teachers’ training college
... requirements of the course * Organization and Sequence of content Organization and sequence of the textbook content implies how the content of the individual unit is organized and sequenced in a unit Answers ... years and is now in a position to conduct an evaluation of the material, which is based on an analysis of the teaching material, and the requirements of the course Therefore document analysis of ... adaptation plays an important part in the process of language teaching and learning It makes the teaching materials more relevant to the needs of students and to the objectives of the course, and therefore,...
Ngày tải lên: 07/11/2012, 14:50
An application of alternative risk measures to trading porfolios
... European indices, Nasdaq - the much more volatile than its European counter-parties American index And the stocks of a highly liquid financial institution, and the highly volatile stocks of ABB, ... table below Each of our options has a 4% probability of a payout of 100 CHF and a 96% probability of payout of zero, and the underlying variables of the two options are independent of each other ... volatile than its European counter-parties American index The stocks of a highly liquid financial institution - UBS, that managed to maintain its high ratings notwithstanding the many mergers and crises...
Ngày tải lên: 27/04/2013, 11:17
An Analysis of Domestic Water Demand Structure and Water Recycling in Beijing
... The annual per capita water use in Beijing is 220L —5 3L, 63L, and 51L in spring and fall, summer, and winter, respectively Thus, water demand in summer is 1.2 times that of the winter demand ... Lu J., Zhang B and Harima M (1992) Study and circumstance of reclaimed water system in China, Making Water Technol., 18(1), 49-51 (in Japanese) Murakawa S., Nishina D and Wang L (1999) Analysis ... J of Nagoya Sangyo Univ., 10, 45-61 Yang F., Liu Z., Cheng Y., Kawashima H and Furukawa K (2005).Water environmental problems and its countermeasures in urban area of north China, Japanese J.of...
Ngày tải lên: 05/09/2013, 10:17