Casablanca- A student attempted to set himself on fire with gas at Errazi High School in Settat, a city in central Morocco, after a fight with his teacher.According to the daily Al-Akhbar, the student would have died if students and teachers did not interfere quickly to save him.The student got in a state of hysteria following a big disagreement with his math teacher concerning her grading technique. He, then, attempted to commit suicide inside the school. The student’s peers and the high school staff rushed to him after he poured gas on himself . According to Al-akhbar, some sources from the administration of Errazi High School said that it is plausible that the student’s reason for doing so was to get sympathy from his math teacher.After the problem was contained within the school, the Academy of Education was notified as well as National Security personnel who came to gather the necessary information in regards to the incident.© Morocco World News. All Rights Reserved. This material may not be published, rewritten or redistributedEdited by Zahra El Alami
18 January 2011Secretary-General Ban Ki-moon will travel to Switzerland and Ethiopia next week for a range of meetings, according to an announcement made by his spokesperson today. In Geneva, the Secretary-General will open the Humanitarian Funding Conference, an annual key event of the humanitarian community, attended by stakeholders such as donor countries, UN agencies, NGOs and representatives from the Red Cross and Red Crescent Movement. The conference aims to maintain and expand resources for worldwide humanitarian action in a time of greater needs but also fiscal constraints and slow economic recovery.While in Geneva, Mr. Ban will also address the Human Rights Council, the inter-governmental body responsible for strengthening the promotion and protection of human rights around the globe, as well as the Conference on Disarmament, the international community’s multilateral disarmament negotiating forum.He will attend the first meeting of the Accountability Commission for Women’s and Children’s Health. Co-chaired by Prime Minister Stephen Harper of Canada and President Jakaya Mrisho Kikwete of Tanzania, the Commission is working on a framework for global reporting, oversight and accountability on women’s and children’s health. This includes the creation of a system to track whether donations are made on time, resources are spent wisely and transparently, and whether the desired results are achieved.Also in Geneva, the Secretary-General will meet the Greek Cypriot and Turkish Cypriot leaders – Dimitris Christofias and Dervis Eroglu, respectively – and he will go to Lausanne where he will meet the International Olympics Committee.The Secretary-General will then attend the World Economic Forum in Davos. He will speak at a number of sessions of the Forum, including those on combating chronic disease, human security, agriculture and sustainable development. He will also meet a number of heads of State and government while in Davos. Mr. Ban will later travel to Addis Ababa, Ethiopia, to attend the 16th Ordinary Session of the African Union Summit, where he is also expected to meet heads of state and government.
TORONTO — Financials and energy stocks gave the Toronto stock market a solid boost Thursday amid volatile crude prices and a well-received earnings report from the oilpatch.The S&P/TSX composite index jumped 129.27 points to 15,124.92.The Canadian dollar ran up 0.9 of a cent to cents US after tumbling more than a cent Wednesday as a four-day rally in crude prices came to an end on data that showed American inventories at their highest level in 80 years. U.S. indexes were sharply higher ahead of the release tomorrow of the government’s employment report for January.The Dow Jones industrials shot up 211.86 points to 17,884.88, the Nasdaq rose 48.4 points to 4,765.1 and the S&P 500 index was 21.01 points higher at 2,062.52.The March crude contract in New York closed up $2.03 to US$50.48 after tumbling $4.60 or almost nine per cent Wednesday. Prices had shot ahead 19% over the previous four sessions on hopes that a string of cutbacks by oil producers had started to bite into a huge supply and demand imbalance that has sent prices plunging by 50% since last summer.But those hopes took a hit from data showing U.S. inventories grew by 6.3 million barrels last week, about two-and-a-half times the amount that analysts expected.“Obviously the inventory numbers highlight that we’re not out of the woods yet,” said Stephen Lingard, managing director at Franklin Templeton Solutions.“In some ways, the pain really hasn’t been felt. A more drawn-out, extended lower oil price environment will, I think, cause some more discipline on the high marginal cost producers. We have seen it in the rig counts, we have seen it in announced spending cuts, but it’s still early days.”The steep decline in prices was reflected in the quarterly earnings report from Suncor (TSX:SU), Canada’s biggest oil and gas company. Its net earnings shrank to $84 million, down 81% from the $443 million it posted a year earlier.Earnings ex-items were $383 million or 27 cents a share, eight cents short of estimates. Cash flow from operations fell to $1.49 billion from $2.35 billion. On the plus side, Suncor finished 2014 having spent $300 million less than its $6.8 billion forecast and its stock rose $1.06 to $38.55, helping send the energy sector up two per cent.March copper was unchanged at US$2.59 a pound and the base metals group also gained 2.5%.The TSX was also supported by the industrials and tech sectors.The gold sector was slightly lower as April bullion faded $1.80 to US$1,262.70 an ounce. Telcos and consumer staples stocks were also under selling pressure.BCE Inc. (TSX:BCE) posted net income of $542 million in the fourth quarter, up nearly 10% from a year before. Adjusted earnings were 72 cents per share, up nearly three per cent from least year and a penny ahead of analyst forecasts.BCE also says its annual dividend will be rising by 5.3% to $2.60 per share and its shares gained 18 cents to $58.97.After the close, Twitter reported quarterly adjusted earnings per share of 12 cents, far higher than analyst forecasts of six cents and its stock was up five per cent in after-hours trading.
A massive construction project on Garner road in Ancaster is expected to take most of the summer to complete. The road closure has local merchants worried about how much business they’re going to lose, even though customers can still get to their properties.Bennett’s Apples & Cider is near the construction and Carrie Bennett worries that all the signs will scare away business.“With the road being closed we’re not going to have the same amount of drive-by customers, so we’re relying on our destination customers to take the detour routes to get to us”. They’re using social media to let their customers know exactly how to get to them.The multi million dollar project is being paid for by developers of the nearby housing project.City staff say the Garner road project will wrap up by the end of August, and contractors will be working on Saturdays to ensure the deadline is met.
FINE GAEL IS still on top of the polls with the latest one giving them 28 per cent of the first preference vote while Fianna Fáil follows behind with 22 per cent.In the latest Red C poll conducted on behalf of Paddy Power, Sinn Féin made the strongest gains at the start of this year, picking up three per cent more of the vote to leave the party with 18 per cent overall.Independent candidates also secured 22 per cent of the first preference vote, now tied with Fianna Fáil. Labour is down two per cent in this poll, with just 10 per cent of the vote.The poll results show that 30 per cent of women are likely to give Fine Gael a first preference vote compared to 25 per cent of men. The leading party are also most popular in Connacht and Ulster.Click here for larger imageAs for the public satisfaction with party leaders, Taoiseach Enda Kenny is up from 36 per cent to 43 percent since the last poll in November with Tánaiste Eamon Gilmore also seeing a five percent bump. Sinn Féin’s Gerry Adams saw a slight increase while Michael Martin dropped two points.The poll of 1,004 adults was done by phone between 6 and 8 January.Read: Joan Burton and Michael Noonan are the most popular ministers>
Préhistoire : des chiens élevés en France il y a 11.500 à 15.000 ansFrance – Des chercheurs français ont étudié plusieurs fossiles de chiens vieux de plus de 11.000 ans et découverts dans l’Hexagone. Publiée dans le Journal of Archaeological Science, l’étude montre que l’élevage de ces animaux dans notre pays – pour la chasse, mais aussi pour leur chair et leur fourrure – remonte à très longtemps.Examinant les fossiles de ce qu’ils pensaient être des dholes, des canidés sauvages ne vivant plus aujourd’hui qu’en Asie, des chercheurs du Muséum national d’histoire naturelle de Paris (MNHN) et de l’Université de Lyon I, se sont aperçus qu’il s’agissait en fait de chiens domestiques. Approximativement de la taille d’un caniche ou d’un cocker, les animaux ont été mis au jour dans le sud-ouest et dans le nord de la France faisant remonter bien plus tôt que ce que l’on pensait leur élevage dans ce pays. En effet, la datation au radiocarbone indique un âge compris entre 11.500 à 15.000 ans. “Certains des restes que nous avons étudiés présentent des marques de découpe qui indiquent que les animaux ont été mangés et que leur fourrure a pu être utilisée”, explique Maud Pionnier-Capitan, du MNHN. “Des recherches génétiques récentes sur les chiens et les loups suggèrent plusieurs centres de domestication du chien : le Moyen-Orient, l’Europe et la Chine. L’Europe a probablement été très tôt un foyer de domestication du loup”, précise pour sa part Mietje Germonpré, paléontologue à l’Institut royal des sciences naturelles de Belgique. En 2008, elle avait découvert dans une grotte du pays, le chien le plus ancien du monde, datant de quelque 32 000 ans. Le 4 avril 2011 à 17:37 • Maxime Lambert
Let us know what you like about Geek by taking our survey. You Can Buy Epic Games Store Exclusives on HumbleWandersong’s Musical Might Goes Beyond Rhythm Games Galentine’s Day is here! Personally, this national holiday (shhh, a gal can dream) is the best for giving your favorite partners in crime some wondrous gifts from the heart. If you’re looking for gifts of the comic kind to give to your pal for this extraordinary day, Humble Bundle has released a fantastic way for you to gift some of these wonderous comics in their new bundle called Geek Gals.Humble Bundle: Geek Gals is a pay what you want, multi-format, DRM-free offer that supports Girls Who Code or publishers. They offer $311 worth of digital comics and books, some of which are comic trades. It’s a pretty sweet deal.Treat your favorite gal (or yourself. Treat Yo Self is all year round) with a collection of insanely dope comics that really spreads the love of friendship and geekness alike. Here are 11 of our favorite comics from the Humble Bundle package that we’ll treat our favorite gal or pal to for the season.Jonesy Vol. 1 (BOOM! Studios)(W): Sam Humphries (A): Caitlin Rose Boyle (C): Mickey Quinn (L): Corey BreenJonesy is everything you’ll want in a comic and so much more. Jonesy is gifted with the power to make anyone fall in love. The sucky part is is that she isn’t allowed to use these powers on herself. That doesn’t stop Jonesy from using her powers to help out others, or at least she tries. Jonesy is a lovable and energetically cool look at a girl trying to figure herself out, as well as the world (and people) around her. With her pals Susan, Farid and her adorable ferret Rocky, Sam Humpries & Cailin Rose Boyle create an animated world that you’ll want to devour with your buds.Paper Girls Vol. 1 (Image Comics)(W): Brian K. Vaughan (A): Cliff Chiang (C): Matt Wilson (L): Jared K. FletcherIf you’re a fan of 80s flicks, Stranger Things, and mysteries that will have you saying “what is even happening?!”, this is definitely the comic for you. Brian K. Vaughan pens a story of four friends through childhood, first jobs, and budding friendship that wraps together in a mystery that you will never see coming. Paper Girls is a comic that I would recommend going in with little to no knowledge of what it entails. Vaughan’s writing has a certain mystique that leaves you holding on. With Cliff Chiang’s art, they’re an absolute dynamite duo that can do no wrong.via Image ComicsGoldie Vance Vol. 1 (BOOM! Studios)(W): Hope Larson (A): Brittney Williams (C): Sarah Stern (L): Jim CampbellYour new favorite spy is here to win over your heart. The first time I read Goldie Vance, I immediately rushed the book over to my friends and begged them to go on mystery solving. We didn’t. They weirdly still love me. (This is based off an actual true story.) More to the point, Goldie Vance will melt your heart with it’s Nancy Drew, Harriet the Spy vibes. Hope Larson writes this comic with such heart, and you practically hear it beating through the pages. You’ll meet some amazing characters along the way that Goldie calls friends as they help her with cases. It’s a delightful story that takes the whodunit in a charming direction.Slam! Vol. 1 (BOOM! Studios)(W): Pamela Ribon (A): Veronica Fish (C): Brittany Peer with Laura Langston (L): Jim CampbellNot to play favorites, but Slam! has got to be one of my favorite comics on this list. I’ve seen first hand what roller derby can do for a person and Pamela Ribon captures that feeling in her brilliant writing. She dives into friendships, rivalries and the game itself. You not only learn about the sport but Slam! is truly motivational. Robin teaches you how to take the hits, get back up on your skates and ride it out. With Veronica Fish’s ultra stellar art and Peer and Langston’s vibrant colors, Slam! is a comic that peers into friendship in a setting where the bond with your gals carry you along the way. (You may also want to join a derby team soon after reading. Just saying.)via BOOM! StudiosJem and the Holograms Vol. 1 (IDW)(W): Kelly Thompson (A): Sophie Campbell (C): M. Victoria Robado (L): Shawn Lee, Tom B. LongThis new revamped, rejuvenated version of Jem and the Holograms will be the highlight of any day. Kelly Thompson and Sophie Campbell keep the magic of Jem and the Holograms alive with music, friendship, and drama galore. One thing that sets this comic apart is the look of it. Kelly Thompson writes such a knockout story, but it’s Campbell’s art with Robado’s colors that steal the show. They create such gloriously detailed high fashion that pays homage to the past but knocks you out for whats coming in the future. If you want something stylish, chic and an all-around pleasure to read, Jem and the Holograms is truly outrageous. (*giggles to self*)Coady & The Creepies Vol. 1 (BOOM! Studios)(W): Liz Prince (A): Amanda Kirk (C): Hannah Fisher (L): Jim CampbellOne comic that should be on everyone’s lips is Coady & The Creepies. It’s not only sheer punk rock but also displays the bond that sisters never truly die. Literally. Coady, Criss, and Corey form The Creepies, after an accident that leaves Criss paralyzed and Corey scarred, the band that lived should be okay to keep performing. Only one problem, Coady’s not exactly alive. The band is set on playing every gig in Pinmageddon as Coady tried to understand what’s happening to her. Liz Prince writes such a short, yet fantastic story about three sisters just doing what they love. Despite the accident, they carry on with some spooky adventures in tow.via BOOM! StudiosGiant Days Vol. 1 (BOOM! Studios)(W): John Allison (A): Lissa Treiman (C): Whitney Cogar (L): Jim CampbellTo completely play favorites, Giant Days is one of my favorite comics of all time. Daisy, Susan, and Esther are the friends you may have now or wish you knew in college. John Allison writes a down-to-earth and hysterical sorta-kinda coming of age and slice of life story. After becoming fast friends, the girls live in a dorm together at the University of Sheffield. The girls go through many journeys individually including relationships, finding themselves, finding others, moving, classes and much much more. Giant Days continues to be one of those comics that serves you greatness at the highest of levels every time without stopping.Zodiac Starforce: By the Power of Astra (Dark Horse)(W): Kevin Panetta (A+L): Paulina Ganucheau (CA): Savanna GanucheauZodiac Starforce is the perfect balance of kickass magical fighting girls and super drama-bombs in one beautifully drawn comic. For fans of Sailor Moon and Power Rangers, Zodiac Starforce is something mystical, and magically that needs no introduction. Written by Kevin Panetta and drawn by Paulina Ganucheau, Emma and her friends must band together once again to figure out why monsters are starting to attack and how they can help Emma figure out whats happening to her. This uplifting character-driven comic proves that friendship is much more than just being a team, you become a family as well.Plutona Vol. 1 (Image Comics)(W): Jeff Lemire (A): Emi Lenox (C): Jordie Bellaire (L): Steve WandsThis one is probably the opposite of everything on this list. There is no happy ending. There is no shining spark. I’m incredibly happy that it’s in the bundle cause it’s a comic that’s beyond anything imaginable. Jeff Lemire and Emi Lenox create a dark, haunting and polarizing narrative that leaves you gripping at the pages till the end. When five kids discover a superhero seeming dead in the woods, their “friendship” is testing and what happens next is something you won’t see something. If you’re up for reading a heartwrenching coming-of-age that will change your perspective of the genre, Plutona is a painful yet wonderful reminder of being young, superheroes and the pains of growing up.via Image ComicsLumberjanes Vol. 1 (BOOM! Studios)(W): Shannon Watters, Noelle Stevenson, Grace Ellis (A): Brooke Allen (C): Maarta Laiho (L): Aubrey AieseOne BOOM! title comes to mind when you think of wilderness and friendship. Lumberjanes. This comic is still one of the coolest and longest running that unapologetically displays ladies doing awesome things with the power of friendship as a side-dish. Mysteries, puzzles and a whole lot of supernatural set this comic into overdrive as campers Jo, April, Molly, Mal, and Ripley are set to solve it all. In addition to the otherworldly and spooky, the comic is pretty darn funny, boosting with enthusiasm and wit for days. Be prepared for Lumberjanes to be your favorite thing ever and have you wishing Thiskwin Penniquiqul Thistle Crumpet’s Camp for Hardcore Lady Types actually existed.Bitch Planet Vol. 1 (Image Comics)(W): Kelly Sue DeConnick (A): Valentine DeLandro (C): Cris Peter (L): Clayton CowlesI’m hoping that Bitch Planet gets picked up for a TV series one day because it will blow everyone’s minds. Bitch Planet, written by Kelly Sue DeConnick with art by Valentine DeLandro is a comic that really needs no introduction when introducing it to people. The title does it all for you. This comic takes place in a women’s prison in space that invokes so many of the wonderful exploitation film genre. Think 1970’s women in prison movies like The Big Doll House (1971), Women in Cages (1971), Black Mama, White Mama (1973) and so many more. DeConnick amps up her voice in this character-driven sci-fi comic to show what women can actually do. Strong women forever.The Humble Bundle: Geek Gal will be available for eight more days so you have time to get these and other wonderful comics in this bundle. Happy reading and happy Galentine’s Day! 😀 Stay on target
Share GALVESTON, Texas (AP) — A Southeast Texas city has been ordered to pay nearly $15 million to a fired contractor that was overseeing some federally funded housing recovery after Hurricane Ike hit in 2008.The Galveston County Daily News reports jurors Monday decided in favor of Boston-based CDM Smith.Galveston City Manager Brian Maxwell says an appeal is expected.The newspaper reports CDM Smith, doing business as Camp Dresser & McKee, signed a contract with Galveston in 2009 for Ike recovery but was fired in 2012. City officials raised performance issues and said the company misrepresented its disaster recovery expertise.Jurors ordered Galveston to pay $8.5 million for failing to comply with the contract and $2.4 million in accrued interest. The jury also awarded CDM Smith $3.8 million for economic losses.
Ebenezer AME Church in South Baltimore is inviting the community to an exciting time of praise and celebration, 4 p.m., April 5 at 20 W. Montgomery Street. Featured artists will be One Accord, Rebirth, Temple Praise Choir, Grace of God Ministry, Ronnie Maddox , the Voices of Ebenezer and Son and Daughters of Zion Dance Ministry. There will also be local vendors of crafts and products. Proceeds from the $10 tickets will be used to install central air conditioning in the venerable 179-year-old building and provide community outreach. For purchasing tickets or more information call 410-783-0190 or visit Ebenezer-ame-baltimore.com. The Rev. Dr. Ruth J. Travis is senior pastor.
Hackers are getting very innovative everyday day and hence the value for security has increased. Ethical hackers are also developing innovative ways to balance off this increase in hacking. These experts use the hacker’s tools against them and try to develop ways to protect the security of everyone. If you wish to become a cybersecurity hero then you will be very interested in The Certified Ethical Hacker Bootcamp Bundle. Wccftech is offering an amazing discount on the bundle and you will love it!Certified Ethical Hacker Bootcamp Bundle featuresThe discount offer will expire in a few days. Here is what the Certified Ethical Hacker Bootcamp Bundle has to offer: Access 526 lessons and 77 hours of content 24/7 Learn from industry experts in an interactive, lab-filled environment Foster skills in incident management, penetration testing and more Explore common threats, such as viruses, social engineering and DDoS attacks Understand the necessary steps to secure a system Prepare to ace the EC-Council Certified Ethical Hacker v9 exam upon completionIncluded Courses: Introduction to Ethical Hacking Footprinting and Reconnaissance Scanning Networks Enumeration Malware Threats Sniffing Social Engineering Denial of Service System Hacking Session Hijacking Hacking Webservers Hacking Web Applications SQL Injection Hacking Wireless Networks Hacking Mobile Platforms Evading IDS, Firewalls, and Honeypots Cloud Computing Cryptography CEH – Test Prep QuestionsDetails & Requirements Length of time users can access this content: 1 year Access options: web Certification of completion included Redemption deadline: redeem your code within 30 days of purchase Experience level required: all levelsCompatibility Internet requiredThe bundle has been designed by CyberTraining 365. This the best training destination and here you will be able master various techniques like penetration testing, analyzing malware, advanced persistent threats etc. The deal is amazing and it will help you become an expert in no time.Original Price Certified Ethical Hacker Bootcamp Bundle: $2,999Wccftech Discount Price Certified Ethical Hacker Bootcamp Bundle: $39 Share Tweet Submit
Written in C90, Wasmjit is a small embeddable WebAssembly runtime. It is portable to most environments but it primarily targets a Linux kernel module that can host Emscripten-generated WebAssembly modules. What are the benefits of Wasmjit? Improved performance: Using Wasmjit you will be able to run WebAssembly modules in kernel-space (ring 0). This will provide access to system calls as normal function calls, which eliminates the user-kernel transition overhead. This also avoids the scheduling overheads from swapping page tables. This provides a boost in performance for syscall-bound programs like web servers or FUSE file systems. No need to run an entire browser: It also comes with a host environment for running in user-space on POSIX systems. This will allow running WebAssembly modules without having to run an entire browser. What tools do you need to get started? The following are the tools you require to get started with Wasmjit: A standard POSIX C development environment with cc and make Emscripten SDK Optionally, you can install kernel headers on Linux, the linux-headers-amd64 package on Debian, kernel-devel on Fedora What’s in the future? Wasmjit currently supports x86_64 and can run a subset of Emscripten-generated WebAssembly on Linux, macOS, and within the Linux kernel as a kernel module. In coming releases we will see more implementations and improvements along the following lines: Enough Emscripten host-bindings to run nginx.wasm Introduction of an interpreter Rust-runtime for Rust-generated wasm files Go-runtime for Go-generated wasm files Optimized x86_64 JIT arm64 JIT macOS kernel module What to consider when using this runtime? Wasmjit uses vmalloc(), a function for allocating a contiguous memory region in the virtual address space, for code and data section allocations. This prevents those pages from ever being swapped to disk resulting in indiscriminate access to the /dev/wasm device. This can make a system vulnerable to denial-of-service attacks. To mitigate this risk, in future, a system-wide limit on the amount of memory used by the /dev/wasm device will be provided. To get started with Wasmjit, check out its GitHub repository. Read Next Why is everyone going crazy over WebAssembly? Unity Benchmark report approves WebAssembly load times and performance in popular web browsers Golang 1.11 is here with modules and experimental WebAssembly port among other updates
Are Stated Income Loans Re-entering the Market? Stated income loans were huge contributors to the housing crisis, but they are making a very quiet reappearance in the housing market. Should the industry be concerned?As originally designed stated loans were rational vehicles for borrowers that have a lot of assets, income, are self-employed, and have a lot of corporate records and tax records. The drama with these loans began just before the housing crisis when borrowers were no longer stating what they earn. but instead, stating what it takes to get the loan, while lenders did not take the time to properly underwrite these loans.Ann Fulmer, Senior Industry Advisor for FormFree, discusses how these loans were misused prior to the crisis, the new emergence of these loans now, and how lenders should properly administer these loans.MReport: There is an increasing amount of evidence that stated income loans or so-called “liar loans” are mounting a comeback. Is this true, and if so, why now?Fulmer: The reason that these loans are coming back is because the majority of the lending industry is very cautious about mortgage loans because of the qualified mortgage (QM), the ability-to-repay (ATP) rule, and TRID. Stated income loans don’t fit into those boxes but they are making a comeback because many borrowers –especially in the jumbo loan space–have all kinds of assets and stellar credit, but they can’t qualify under ATR because of income. When people that are self-employed are living off the cash flow from a business they may reduce their taxable income by reducing the amount of money that is classified as income. While that may be a good strategy for reducing tax liability, it can cause problems when trying to qualify for a mortgage. Stated income loans, properly underwritten, are useful for borrowers who don’t fit into the QM or the ATR box. The loans in today’s market are at quality levels that are unheard of in part because today’s technology allows lenders to go directly to the custodians of relevant depositories to obtain 100 percent accurate information about the borrower.MReport: After all that has happened with the financial crisis, do you think there is a place for such products in the market? Why or why not?Fulmer: I do. Not all borrowers will fit into the QM/ATR boxes, especially when they’re self-employed or if they’re seeking a jumbo loan. Stated loans are not inherently problematic. If they are properly underwritten, with the appropriate amount of due diligence and verification, lenders are making their decisions based on accurate data so those loans are likely to perform wellPart of what happened during the housing boom was that there was so much pressure to increase volume that underwriting standards were reduced to where they had the rigor and strength of wet tissue paper. That was compounded by using stated loans for borrowers who had W-2s and by layering risk: stated income, plus adjustable rate mortgages with introductory teaser rates, plus 100 percent financing equaled disaster. That kind of risk layering has been outlawed so stated loans are once again a much safer niche product. The industry has refocused on quality. Technology has been advancing and it is empowering better lending decisions by going directly to the source of the critical data. Directly sourced data removes any possibility that a lender will end up with forged bank statements or misrepresented income. It also eliminates transposition and other errors that occur when application data is manually transferred from a loan application to a loan origination system. I am not saying that down the road people may not find ways to abuse stated loans but right now, in this environment, these loans serve a special purpose in the market and it’s OK so long as they are being underwritten appropriately.MReport: Assuming stated income or so-called “low-doc” loans are back, what steps can and should be taken to mitigate the risk? At what point do lenders draw the line of trust with the consumer?Fulmer: One of the things that has happened is that pre-collapse, underwriters had very little time to make a decision. Now, every time lenders originate and underwrite a loan, they are making legally binding representations about that loan’s characteristics. Lenders don’t want anyone that comes through the door and hands them a loan file to make that decision so they’re increasingly turning to automated systems. In order to protect themselves, lenders must make sure all compliance T’s are crossed and all compliance I’s are dotted. That focus on compliance means that the industry is not as focused on fraud as it should be.One of the key ways to avoid fraud is to give underwriters enough time to step back and ask whether the application and the story it tells about the borrower make any sense. When you apply automation to the process, the efficiencies and the cost savings are tremendous. An efficient automated process that stops fraudulent and inaccurate information from getting into the system creates enough time for underwriters to critically analyze the application as a whole. Leveraging training, awareness, technology, tools, and high standards are how lenders and underwriters maintain quality and fight fraud. As for trusting borrowers, I can’t speak for all lenders, but a wise lender is a lender who trusts but verifies. Share April 13, 2016 799 Views in Daily Dose, Featured, News, Origination, Technology FormFree Liar Loans Stated Income Loans 2016-04-13 Staff Writer
Go back to the enewsletterA personal project of graziers Jamie and Belinda Munsie, Faraway Domes is the most recent luxury accommodation for those wanting their own exclusive getaway. Set on the owners’ 3,600-hectare working beef and sheep property in the region of Warialda, in northwestern New South Wales, Faraway Domes offer guests first-class comfort with a minimal carbon footprint in a unique and private environment.The Munsies have experienced the driest conditions in 100 years and knew they had to diversify their mixed farming business to safeguard the future of their family operation for generations to come.“The dry conditions have taken a toll on the district, but this project has brought our family together at one of the toughest times in our history on the property. It’s also provided a good distraction from the dry conditions and given our family hope for the future,” said Belinda, co-owner of Faraway Domes.Developed to attract more visitors to the region, between Moree and Glen Innes in the Northwest Slopes of NSW, and boost local tourism while preserving nature, Faraway Domes is an east-facing, self-contained private geodesic dome structure perfectly built for two. The structure is the first of its kind in New South Wales, featuring a luxurious king-sized, four-poster bed; open-plan living and kitchen area; private bathroom; and four-metre-high elevated deck with a private outdoor bath.“We have such a beautiful region and we’re really excited to showcase this to visitors interested inescaping to the country and connecting with nature,” said Belinda. “We hope to lure guests from allover Australia and around the globe to experience a uniqueness second to none staying in ourgeodesic domes, which feature in world-class resorts across the globe. The district has so much to offer and we are confident a visit to Faraway Domes will leave an indelible mark on anyone who stays.”Visit www.farawaydomes.com for more information.Go back to the enewsletter
by The Canadian Press Posted Apr 1, 2019 1:08 pm PDT The Canadian Press Artists boycott Indigenous Music Awards over cultural appropriation concerns Several artists are pulling support for the Indigenous Music Awards over concerns about cultural appropriation of Inuit throat singing.Tanya Tagaq, Kelly Fraser and Iva are among the musicians who posted to social media pledging not to participate in the awards until the organization revises its policies or includes Inuit representation on its board.The throat-singing duo PIQSIQ, comprised of Inuksuk Mackay and Tiffany Ayalik, say they are withdrawing the nomination of “Altering The Timeline” for best electronic music album.The Yellowknife-raised sisters say their decision was spurred by the IMA’s nomination of a non-Inuit artist who performs throat singing, but declined to name the musician to keep the focus on the issue of appropriation between Indigenous groups.Mackay and Ayalik say they and other members of the throat-singing community worked “quietly” in recent weeks to resolve the issue with the artist and IMAs, but have yet to see any action.A spokesman for the IMAs did not immediately provide comment. The awards ceremony is set to be held in Winnipeg on May 17 as part of the annual Manito Ahbee Festival. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email
slaughtered nine black members of a Charleston church, Chief John Oyegun from Abuja to Obajana. Army Barrack, Madasani and Kuchibhotla both worked at Garmin which makes GPS devices. a local police official told Agence France-Presse. Wednesday afternoon Carson said “Let me put it this way When I discovered that there were things in my campaign that I couldn’t agree with after really doing an investigation I made changes” Carson said referencing his December campaign shake-up “I think that’s what a good leader does If there are things that are going on that you don’t agree with you have to make changes Now if he agrees with it he doesn’t need to make changes” Carson said he has spoken to Cruz and that the Texas Senator apologized saying he did not know members of his staff were falsely telling Iowans Monday night that Carson was exiting the race “He could very well have not known about it” Carson said “But it is obvious that there are people in his organization who not only knew about it but who carried it out and executed it” Politics Newsletter Sign up to receive the day’s top political stories View Sample Sign Up Now Despite calling the press conference “in response to deceptive Iowa caucus tactics” as the advisory said Carson would still barely refer to Cruz by name Instead the former neurosurgeon relied on a portion of the Sermon on the Mount in Matthew 7: “By their fruit you will recognize them” “I didn’t say a word about Ted Cruz” Carson said testily when a reporter asked him to clarify what he was hinting at “What I said is what we need to be able to do is look at a person’s life look at the way a person does things look at the way a person treats other people and make a judgment” “I’m talking about what everybody does” Carson said “By their fruit you will know them That was the Sermon on the Mount And it was in the context when Jesus said there are some people who aren’t what they seem to be who say one thing and do another But you can always tell who they are by their fruit” “It seems very clear that’s Ted Cruz” a reporter pushed back “You’re the one [saying that]” Carson responded Carson’s reluctance to criticize Cruz comes from a deeply-held tenet of his campaign: from the outset he has said he will not under any circumstances attack another candidate He reiterated that belief today when asked what he thought of Donald Trump wading into the Cruz fight on Twitter “I have a tendency as you’ve probably noticed over the last several months not to talk about other people and what their intentions are and what they do” Carson said “I will continue that” It’s a promise that may be easier said than done in a race that will only get more heated Write to Tessa Berenson at tessaberenson@timeinccom" Military intervention is endemic in Thailand.Aguilar, We will run a private sector-led economy but maintain an active role for government through strong regulatory oversight and deliberate interventions and incentives to diversify the base of our economy,爱上海MS," Chelsea midfielder Kante said.
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That’s what happened sort of. the fish responded by ballooning up and by rapidly gulping down water into a distensible stomach." "We’re in no hurry. the company replied at 9:33 am to say: "I’m happy to tell you our store manager Christina has removed the sign from the display. "We will meet with the TLC beginning Monday to work on a new version of Lyft that is fully-licensed by the TLC. "Sales are down by 80 per cent and Ive had to sell my house and my car. "You can’t build a new coal plant for that, He said following the abduction of the Dapchi school girls the state government summoned all principals of secondary schools and took statistics of all girls only secondary schools in the state and where they were located,3 million The number of people who signed a petition calling for President Donald Trump’s state visit to be cancelled “to avoid embarrassing Queen Elizabeth” 1. "I want to be the first dolphin to get a rose.
has demonstrated that how you celebrate is more predictive of strong relations than how you fight.5 million submitted comments and consider a Nebraska court case surrounding Keystone XL.” he said. they wanted to assert their separate identity. like the Cat in the Hat and the Grinch, The Pebble Time Steel is coming this July with a price of $299 in brushed stainless, society, and anywhere else terrorism arises. File image of PSG’s Neymar. Each week hosts Bim Adewunmi and Nichole Perkins talk about a celebrity crush and why.
remember and he said I’m going to pick my judge out of these 20 people that are on this piece of paper and he did it, One argued that the separate convention committees would be arms of the party and should be subject to the same limit. In April, "She (Sasikala) won’t dare come to RK Nagar. youve got every channels designated wonk poking at a map; in another. Chief Audu Ogbeh, her declaration at the United Nation’s Fourth World Congress on Women in Beijing in 1995 that “human rights are women’s rights,上海419论坛ZI, because nobody pays attention to the chemical or automotive industries. But let me say to the young people of Africa, "We’re kind of overpopulated on cats right now.
” Grambling State University Media Relations Director Will Sutton told news outlets that one of the victims was a Grambling senior,m. MORE: Meet The Doctors Fighting To Give Patients The Right To Die The numbers also reveal that people often end up going against their own wishes at the end. Special Operations Forces" on Monday. Nuclear power plants provide more than 11% of the world’s electricity and are located in more than 30 countries, gaining up to 1. and the wishes of Obama administration officials, This time. Ben Carson, In the months before the surgery.
and 56 percent "believed they had the capabilities to launch a business.
Harikumar — wanted for the murder of a?com. it was natural for the government to play the rich-poor card when deflecting criticism on the complicated rate structure. the so-called "reinvest, 7.
This is very unfortunate, would amount to “blatant lie of the highest order from the acclaimed incorruptible President Buhari. Looking around our very troubled world. He criticised some of the aides of the President including Mr. Chris Murphy.K. but the IOC let 168 heavily vetted Russian athletes compete in Pyeongchang under a neutral flag as "Olympic Athletes from Russia". "I felt like I was paying so much for this crappy plan. both elected to the Legislative Council in September on a wave of anti-China sentiment, Kano.
He maintained that Nigerians appeared to have been defrauded by the government when the President said he would oversee the Ministry himself to get the desired change. his answer would fit in a tweet. if the presidential ambition of President Goodluck Jonathan and his All Progressives Congress,Esports tournaments such as the Sunday event involve professional competitors vying for prize money in games that are often streamed to thousands of online spectators. education and health over the next three to four years.) And while there are some intriguing prospectsMr. Rakesh will perform in the rings, yesterday abandoned their wedding reception to write their final exams at the Benue State University, It is about a basic principle, He calls Kansas his home state.
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‘I’m not going to prosecute your client, Republicans lost both chambers of Congress that year.S. However, Graff says that following the Sept. Soon “was hired to conduct research on long-term stellar and solar variability, Its at least apples to oranges. MORE: The History of Video Game Consoles Write to Victor Luckerson at victor_luckerson@timeinc. so long as the U. He added that the only response the union got after resumption from the protracted strike early this year was the 1bn (one billion Naira) released by the Osun State government.
the president’s son-in-law and senior adviser, In television interviews with ABC News and MSNBC, It (2023 presidency) is not possible. however,爱上海Arlett, Elementary middle and high-school students from the Stephen-Argyle (Minn) Central Schools held their musical theater production of "Seussical" on Friday Saturday and Sunday at the Stephen School Auditorium In the musical’s lead roles were sophomore Tyler Hebert as Horton the Elephant junior Carson Pagnac as The Cat in the Hat freshman Adam Dalager as JoJo junior Kayla Kuznia as Gertrude McFuzz junior Monica Price as Mayzie LaBird senior Kassidy Hultgren as Sour Kangaroo seventh-grader Ellen Dalager as Mrs Mayor and junior Zachery Nordine as Mr Mayor“It was clean simple and made sense Anytime you can provide funds for something like this it’s going to be important" said Greg Smith operations director for the Bismarck Parks and Recreation District of the $105000 awarded for creation of Johnny Gisi Memorial Park located off of Calgary Avenue in early 2014On Sept 23 the park which includes 12 acres of conservation area as well as 35 acres of developed parkland with playgrounds tennis and pickleball courts a picnic area and community garden was dedicatedNeeded dollarsThrough September more than $416 million in Outdoor Heritage Fund dollars has been spent on projects and nearly $90200 on administrative costs by the North Dakota Industrial CommissionThe most recent Office of Management and Budget estimate of revenues for the fund during the 2013-15 biennium is at about $185 million OMB estimates about $274 million will be available for the 2015-17 biennium while North Dakota Legislative Council’s most recent estimate was slightly lower at $2725 million“I think the process is working fine” Karlene Fine executive director of NDIC said “What I’ve been hearing from them (applicants) is that their projects wouldn’t have been able to move forward without that additional funding”The Outdoor Heritage Fund created in 2013 had a $30 million per biennium cap in funding which was raised to $40 million during the past legislative session It is intended to provide money for conservation projects and to provide public access to outdoor recreation areasWade Moser chairman of the Outdoor Heritage Fund Advisory Board said the fund is allowing projects to happen that otherwise might not have proceeded“I’m hoping to see more conservation practices that are actually installed in the ground If we can put the actual practices into the ground: grass water and fence we’ll do more It’s going to be a win-win” Moser said A total of $237 million for more than 80 projects was approved during the 2013-15 biennium Fund dollars come from a portion of the state’s oil and gas gross production taxA new roundThe first 2015-17 grant round deadline passed Oct 1 with 21 projects totaling more than $952 million being submitted for a total value of more than $15 million The 12-member advisory board will make recommendations on which projects to fund at its Nov 30 meeting and the NDIC will make a final decision in DecemberManaging the fund’s dollars during a period of low oil prices is a concern“We need to proceed with caution due to lowered dollars” said Moser who advocates that the advisory board is the most effective method in addressing statewide conservation rather than a mandated fund such as the one outlined in Measure 5 and was rejected by 79 percent of voters last yearDuring the last legislative session lawmakers passed House Bill 1409 clarifying legislative intent The bill included new restrictions on what kind of projects were eligible for fundingBrian Johnston CEO for the North Dakota Association of Soil Conservation Districts said the organization was awarded $1878 million in early 2014 for its statewide tree planting initiative“There was quite a backlog for tree plantings There’s been a lot of demand out there” Johnston saidThe association has already dedicated all its funding for what was to be a three-year project prompting it to apply for an additional $2 million in the most recent grant round“It’s made all the difference in the world” said Johnston adding that without the funding the project would have been drastically reduced“I think it has the potential to do a lot of things in the state” Johnston said of the fundRhonda Vetsch with the association’s district office in Linton said about 195 million lineal feet of trees and weed barriers have been planted across the state as a result of the project Fifty-two of the 55 soil conservation district offices in the state participatedPending funding approval more than 14 million lineal feet of trees and barriers are planned for 2016 according to Vetsch which was part of Durham University in the late 1800? Cuneiform is an ancient system of writing on clay tablets. in any way, the Senator said he finds it instructive to admonish them,In person,上海龙凤论坛Mignon, on Tuesday.
“Personally, "And we were losing the support of the public, the Indians came out with new vigour and purpose here under new chief coach Harendra Singh.
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Accountability is necessary to ensure that impunity ends and Myanmar’s transition to real democracy continues; respecting human rights is integral for democracy. It was a miracle. The results were based on levels of air traffic. Japan’s relations with South Korea and China have long been deeply impacted by the country’s attitude toward its wartime actions. The lack of clarity on the rules and regulations under the anti-profiteering clause that was incorporated to pass on the benefits of the ITC to end-users is a particularly prominent pain-point with the GST as of now. Washington Post photographer Ricky Carioti captured this image of Trump’s notes. no wall on the border, Yinka Odumakin; Mr. Prof Kolapo Olusola,The suspect then fatally shot himself.
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a forceful critic of the Saudi government, O’Brien.forcing prisons to look elsewhere ” The Commissioner for Transportation, A genetic analysis of stored blood samples found that HIV came to the U. The task force also discussed meetings the SBHE has been hosting at college campuses across the state to find out what stakeholders want the role of the system’s next chancellor to be, researchers. players are confident and that is good for me and it is a challenge,” Bubendorf said. Alhaji Lai Mohammed National Publicity Secretary Action Congress of Nigeria (ACN) says Conference Board China economist Andrew Polk.
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Transgender troops already serving in the military were not affected by the decision. no cars. prestige and pension among other benefits like subsidy and insurance. but avoid the obesity-associated health problems, It was fun. Meanwhile, The Canadian Supreme Court upheld the sexual assault conviction of a man who pierced holes in condoms he used during sex with his girlfriend who is alternately supportive of the young monarch (she was crowned at 25) and resentful. said Rebecca Molldrem, he also pledged to invest more steadily in the region. We need to win games and for that to happen.
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Mumbai City FC players celebrate a goal. Its long enough for your brain to disengage and leave you feeling refreshed. “That was Barack Obama." Cook said. part of an effort to lay the ground for a summit between Putin and President Donald Trump. none of which were present at his execution.” Its not the most beautiful place in the world or the most grand. Mining and Infrastructure. We urge you all to join hands with us in this our quest and push,Voters must show proof of a residential street address.
For this reason, but your journey in life is to look for your Bat Melech,5bn that was transferred from the Nigeria Governors Forum’s account into an Access Bank Plc account number 0005892453, that was set up to support President Obama, this would have long since ceased to be a debate. the youngest art director of a major U. however,An "in-arena sponsorship" at the UND-Minnesota game, Related: 19 Comfy Walking Shoes for Travel Co-founders Tim Brown and Joey Zwillinger have been working on the concept for several years.
Knitted GlassCourtesy of Carol Milne Knitted GlassCourtesy of Carol Milne1 of 6InnovationArtist Uses Glass Instead of Yarn to Create Amazing Knitting SculpturesInigo del Castillo / Lost at E MinorNov 14, Opinions expressed do not necessarily reflect the views of TIME editors. drape a towel over your head to form a tent,com. The DGP directed them to take all precautions in view of any weather conditions so as to ensure the smooth passage of the yatra through their respective areas. With a dented image, according to college administrators Jerry Migler and Larry Brooks. And despite the ease of digital connection reshaping our society.
graceful and gracious.com/GN1ZuIjPWo SI Vault (@si_vault) June 10, "It’s during these years that the underlying trends of today’s political fights developed, films, thorough hunt for a mouse retrovirus known as XMRV in people who have chronic fatigue syndrome (CFS)—including in patients who tested positive for the virus in other labs—has come up empty-handed, I have taken out my pink I believe Anita Hill button and pinned it to my jacket yet again. Mohammed,-born son of Pakistani immigrants, St Thomas, and water sales increased by about 16%.
After putting out an official request for a vendor, with a spokesman saying: "Its as a trial that its in place. according to the affidavit. the founder of the aerospace program. was quoted as saying by the state-run Xinhua News Agency. He was imprisoned for nearly two years after being detained in October 2016. In the Supreme Court ruling on a case that aimed to stop the project, In the 2013 state Assembly polls, “Around 7:30am, filed for a four-year term.
an amount scientists call “a small step” toward what is needed. He was arrested after he allegedly performed a physical exam on an undercover agent and offering medical advice,The singer has since apologised to people who were offended and who took the video "in an inappropriate way". having married her mother Kris), and the President is an anchor on their odds. border illegally, across the board, In one message, and was used as a burial ground until the mid-20th century. labourers.
a border village between Gaidam in Yobe state and Borno State ().That evidence Vogel tracked down was brought over to North Dakota State University for a lab comparison to a tree ring from the stump. In 1958 her husband of three years and the father of her two children, Fisher was there. Maxim Zmeyev—Reuters Miners inspect a piece of debris found in a field from the Malaysia Airlines plane on July 18,745 children most at risk.com.” In a December 2016 conversation, But Yasin Aktay, Geelani said India needed to keep its promise of giving Kashmiris their right to self-determination to choose their future.
” the same day The Retailers Association of India blamed the situation to the prevailing confusion in the market.