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Of ce of Federal Housing Enterprise Oversight, Mortgage Markets and the Enterprise February 19, 2009, p 21 This report can be found online at wwwofheogov/media/research/ MME2007revisedpdf 10 Gretchen Morgenson, Thundering Herd Faltered and Fell New York Times, November 9, 2008, p BU1 11 Inside Mortgage Finance data appears in Major Coleman IV, Michael LaCour-Little, Kerry D Vandell, Subprime Lending and the Housing Bubble: Tail Wags Dog April, 2008, The Paul Merage School of Business, p 39, Table 7 12 Edward Gramlich, Booms and Busts, the Case of Subprime Mortgages Paper presented at the Federal Reserve of Kansas City s Economic Symposium, Jackson Hole, Wyoming, August 31, 2007 13 Ibid 14 Edmund Andrews, Fed Shrugged as the Subprime Crisis Spread New York Times, December 18, 2007, Business section, 15 Historical data of The Department of Housing and Urban Development can be found at wwwhuduserorg/datasets/pdrdatashtml 16.

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Of ce of Federal Housing Enterprise Oversight, 2008 Report to Congress p 6 This report is available online at wwwofheogov/AnnualReportsaspx 17 Federal Reserve Board, Board Issues Final Rule Amending Home Mortgage Provisions of Regulation Z (Truth in Lending) Federal Reserve Press Release, July 14, 2008 Available on Fed s web site, wwwfederalreservegov/newsevents/defaulthtm 18 Jonathan Peterson, Bonuses to Loan Brokers Scrutinized Los Angeles Times, March 27, 2006, p C1 19 On July 23, 2009, the Fed proposed a ban on steering fees Federal Reserve Board Press Release, July 23, 2009 20 Alex J Pollock, Bank Consolidation, Subprime Mortgage Issues, and the One-Page Mortgage Disclosure Testimony before the US House Committee on Oversight and Government Reform Subcommittee on Domestic Policy, May 21, 2007 On July 23, 2009, the Fed proposed a similar one-page disclosure document for borrowers, Press Release supra note 19 21.

must write with the consideration of the audience in mind. This is a different audience than the one you have been dealing with during the audit up to this point. This audience does not necessarily understand a lot of technical jargon and detailed control analysis lingo. They want to see full subject/verb/object sentences that have been spell checked (no kidding). If you do not want to turn them off, you will need to reread your report several times, taking a hard look at eliminating negative language out of your report. Rephrasing problems as challenges is the kind of changes you need to make to produce a receptive nondefensive response to your report. A trick I was taught is to do a find on every instance of the characters n and o together in the report. Look for ways to turn the sentence around. Instead of talking about what was not being done, report what needs to be done to better control the process. It seems simple, but it really works. All findings of a material nature should be included in the report. The auditor will have to exercise their professional judgment on what is material and should therefore be included as a reportable item.

Joe Harper's Story Just to see what he could get away with, seventeen-year-old Joe Harper had been sneaking into buildings for more than a year, sometimes in the daytime, sometimes at night The son of a musician and a cocktail waitress, both working the night shift, Joe had too much time by himself His story of that same incident sheds instructive light on how it all happened I have this friend Kenny who thinks he wants to be a helicopter pilot He asked me, could I get him into the Skywatcher factory to see the production line where they make the choppers He knows I've got into other places before It's an adrenaline rush to see if you can slip into places you're not supposed to be But you don't just walk into a factory or office building.

HR 1728, Mortgage Reform and Anti-Predatory Lending Act (Passed the House on May 7, 2009)..

(see Fig. 7.10), using the node s network address regularly supplied by the spatial infrastructure update process.

The project manager is responsible for the following goals:

Fuzzy logic deals with uncertainty. This technique, which uses the mathematical theory of fuzzy sets, simulates the process of normal human reasoning by allowing the computer to behave less precisely and logically than conventional computers. Fuzzy logic is a type of mathematics. It deals with nonprecise values with a certain degree of uncertainty. This technology allows logistics to be utilized by nonprecise information. Fuzzy logic can be advantageous for the following reasons: