Social Science - 27 November 2006

Commenting on the surge in innovative home financing products such as adjustable rate, "interest-only" loans, with low % down payment requirements that have allowed borrowers to hold down their initial mortgage payments even as housing prices and mortgage debt have increased faster than household incomes, an FDIC regulator commented last summer: "During the long housing boomn, banks have engaged in risk warfare. In order to get wider spreads they have taken on more risk for the same spreads. Bank loan portfolios in the last few years have become riskier."

1. What does the phrase "wider spreads" in the above quote refer to? Spreads between what and what?

2. What does the quote imply happened to the size of default risk premiums during the "long economic boom?"

2006-11-27 15:12:00 · 1 answers · asked by Mike S 1 in Economics

2006-11-27 15:10:09 · 5 answers · asked by k.lane 1 in Gender Studies

Can someone please comment on this with detail and the right approach. Thank you.


Senator Ernest Hollings once wrote that consumers do not benefit from lower priced imports. Glance through some mail order catalogs and you'll see that consumers pay exactly the same price for clothing whether it is U.S. made or imported.

2006-11-27 15:08:09 · 2 answers · asked by Soccer Stud 2 in Economics

I got into a tricky situation. I applied to adopt a child internationally and hav ewaited 4 years to find out the Brazil is at a standstill on this...no children right now.A friend of mine is Indian and has a wfe and a daughter 2 years old. The daughter is very light skinned and cute. In India to adopt a child you must have a partner who is Indian or they don't give you a child. My friend offered to go with me to a Surrogate and have a child that I will adopt ,part his because he will be the biological Father and the egg donor will be an Indian woman. I like the idea,but we need to be in a relationship to adopt or they won't give me the child as the "mother'. Being that he has a wife I told him he needs to be "separated " to help me out from his wife. His says "don't worry" everything will work out. I could pay for the surrogate and him being the Father and all ..I could lose the child later . I need to protect myself someohow. I like the idea and feel positive about it.

2006-11-27 15:00:01 · 2 answers · asked by Anonymous in Psychology

conversation? Sometimes this happens where I am just working, doing something, hanging out, exercising, etc. and something will just come to me. I keep thinking about this baseball game I attended a few years ago, but can't figure out why...it seems strange to me. What do you think?

2006-11-27 14:57:38 · 4 answers · asked by Myra 4 in Psychology

2006-11-27 14:54:57 · 7 answers · asked by Anonymous in Psychology

2006-11-27 14:50:34 · 5 answers · asked by ? 4 in Psychology

2006-11-27 14:42:11 · 8 answers · asked by Kaylin 4 in Other - Social Science

2006-11-27 14:40:04 · 3 answers · asked by Anonymous in Gender Studies

2006-11-27 14:36:35 · 4 answers · asked by fkraberg 1 in Anthropology

2006-11-27 14:35:03 · 10 answers · asked by Simone E 2 in Gender Studies

if you woke up and ended up being a different person with different personalities that you have, what would you do?????

2006-11-27 14:27:48 · 7 answers · asked by Shelly 2 in Psychology

2006-11-27 14:27:12 · 1 answers · asked by Felipe G 1 in Psychology

2006-11-27 14:17:58 · 1 answers · asked by razx 1 in Economics

I was cutting my left palm's flesh, I ate the flesh (ewww). My palm was still intact after that, with the skin still perfectly on like nothing happened, but the blood left before was there. And I dreamt I laid my head on the palm and felt the depression on the palm where I had cut the flesh. The blood from before dried to drust and peeled off from my hand to become very deep red, maroon rose petals. I know it's yucky, but, any help here? Comments on the dream if you prefer ^^ I'd like that!

2006-11-27 14:14:05 · 7 answers · asked by Cherant 2 in Psychology

i find every class easy im in ap's and all i have to do is listen or read and i'll memorize everything, but then when it comes to my home work i just stop functioning i feel like its a waste of time every homework seems like its asking me whats 2+2 or its just useless i could tell the teacher exaxtky what she wants to hear but i can't get my idea's on paper

and i dont have add or any of that other b.s

i just feel like school is a waste of time....sure i learn something new that i'd have never known without going to school, but i feel like this world is so matrialized and the people in it are searching for happiness in the wrong places..(such as money)...but i feel like there should be more that our society should value more then school education.

and weather or not you've finished collage,
i've dreamt of dreams where i have my nessisary tools
and just have my nessisary things such as a shelter
and not only me but all of the peolple in the world.

i know this sounds emo :(

2006-11-27 14:13:21 · 13 answers · asked by kaleab 2 in Psychology

2006-11-27 14:12:56 · 3 answers · asked by Anonymous in Anthropology

Ok let me elaborate It is my sister and I am not the manipulative on and for those of you who judge thanks alot you have no right I simply asked for help in this situation. I am causing no harm by shaking the personality up and FYI I am not wiccan nor will i ever be. Because I am not going to cause her physical mental or psychic harm but thank you

2006-11-27 14:12:13 · 12 answers · asked by fierce.tigress 2 in Psychology

i will be grateful if the answers are in detail

2006-11-27 13:56:16 · 10 answers · asked by Drb3 . 1 in Sociology

2006-11-27 13:54:03 · 2 answers · asked by bambytoofresh 1 in Gender Studies

Ok, so the night before thanksgiving i had this strange dream. Me and my mom were in this dark cave and then we see this other guy. My mom starts to talk to him and then when she turns around there is this clown and it eats some of her fingers and she screams and i hit the clown and it dies. The next day my mom tells me for the rest of her life that she has to have dispoable fingers because she doesn't want to reattach her other fingers because they would look weird.
The weird thing is, at breakfast the morning after that dream, my mom tells me my cousin got some of his fingers cut off when he put his hand in a leaf blower, don't ask why he did,...does this mean anything?

2006-11-27 13:49:18 · 8 answers · asked by xoutsiderlookinginx 1 in Psychology

For instance, I see them differentiated when I shop online. Some things are labeled "celtic" and some are labeled "Irish".

2006-11-27 13:48:02 · 4 answers · asked by valkyria 4 in Other - Social Science

maby public display of religion is the problem.just like public display of affection.

2006-11-27 13:45:08 · 9 answers · asked by stratoframe 5 in Anthropology

2006-11-27 13:45:03 · 10 answers · asked by mike_online_now 3 in Psychology

White women prefer black men over white men, Asian women prefer white men over Asian men, Latin women prefer black men over Latin men, so on and so on. Why iz that do yall think?

2006-11-27 13:40:54 · 13 answers · asked by BLK Balla 1 in Gender Studies

today i had my first breakdown i know its wierd but i was trying on my bathing suits for my friends pool party i know its a long time away but i wanted to see how i looked...i saw all of this extra fat and started crying...i was thinking about killing myself everytime my stomach moved i was thinking about going anorexic......then i cried because i thought about thinking about killing myself how could i have thought that?..then i cried because i thought about this boy calling me ugly and me letting him get away with it now that i think about it i think i am ugly......then i cried about everything in my life that i hate i am afraid of not having friends in high school next year i thought of when i die will G-D accept me without me being baptised? I thought about my good friend going to have sex on Friday with a boy shes benn going out with for 2 months...Im scared im definately not telling my mom she over reacts i need some kind of encouragment or something what would u do?

2006-11-27 13:40:50 · 8 answers · asked by Anonymous in Psychology

2006-11-27 13:39:50 · 10 answers · asked by Anonymous in Sociology

Why we don't aprecciate things that we have...cuz if someone is lucky about something ( buy a new house for example), he doesn't have something that makes aus happy.What do you think about this?

2006-11-27 13:38:44 · 5 answers · asked by Anonymous in Psychology

2006-11-27 13:38:35 · 14 answers · asked by richard l 1 in Psychology

am i just coping with it after 2 years or did i forgot about my father?
i do remeber him every once and a while but my mom is blaming me for letting go, did i let go? and for how long should i grieve? i was very divestated the first year.. should i feel guilty about this?

2006-11-27 13:36:24 · 10 answers · asked by Anonymous in Psychology