Each shrub of shade, each tree of spreading root, / That woo the first glad fannings of the breeze.
“The underwriting standards declined,” said Anthony S. Piszel, Freddie Mac’s chief financial officer. “That was across the board.” / Those who made loans and expected to sell them quickly did not care much about assuring that the loans would be repaid. It turns out that the financial wizards who made it easy to transfer risk also assured that more risks would be taken. They produced innovations like Nina loans, which, Mr. Piszel said, “found their way into prime space.” / Nina loans? / The abbreviation stands for “No income, no assets.” It does not mean the loans went to people without either assets or income, only that the borrowers were not asked if they had either. I had known about “stated income” loans — also known as “liars’ loans” — in which the bank took a borrower’s word for how much he earned. But I had not realized you could borrow money without even being asked about your income.
Both governments agree those policies should operate uniformally across the UK, shared between the four governments in London, Edinburgh, Cardiff and Belfast.
The Central Range plunges abruptly to the sea along the eastern coast, except for an area north of Tʻai-tung, where the Tʻai-tung Rift Valley and a short coastal ridge farther to the east are located.
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