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...years ago, Fair Isaac produced a chart predicting the odds that a borrower with a certain credit score would default on a mortgage. For example, it predicted that a loan to a borrower with a 680 score had a 1 in 144, or 0.7%, chance of becoming delinquent over the life of the loan; a person with a 700 FICO score would have a 1 in 288 chance, or just...

Author: /time Magazine | Title: Lenders Look Beyond Credit Scores to Gauge Who's a Risk | 1/9/2009 | See Source »

...certain properties of the two materials and liquid are chosen appropriately, the liquid will insert itself between the two solids, Capasso said, and this could help reduce stiction...

Author: By Alissa M D'gama, CRIMSON STAFF WRITER | Title: SEAS Researchers Measure Quantum Repulsive Force | 1/9/2009 | See Source »

...Could changing tennis's most unique and effective specimen backfire? Nadal will never lose certain aspects of what makes him so effective: his pugilist spirit, and the ability to impose his muscular game on more talented players. But so much of his success stems from his resistance to tradition that Toni's plan to make his charge more orthodox may dim Nadal's aura among fellow pros. When I asked the American player Andy Roddick about the changes, he couldn't believe that Nadal would voluntarily reduce the spin on his forehand. "One of the things that is difficult about...

Author: /time Magazine | Title: Tennis: Nadal's New Spin | 1/8/2009 | See Source »

...each celebrity in the "Yes We Can" video strategically chosen for a certain reason? Emi Kaneshiro MILILANI, HAWAII...

Author: /time Magazine | Title: 10 Questions for will.i.am | 1/8/2009 | See Source »

...President-elect Barack Obama admitted as much in a major speech on Thursday, making the case for Congress to act quickly on his plan, dubbed the American Recovery and Reinvestment Plan. "There is no doubt that the cost of this plan will be considerable," he said. "It will certainly add to the budget deficit in the short term. But equally certain are the consequences of doing too little or nothing at all, for that will lead to an even greater deficit of jobs, incomes and confidence in our economy." (Read Obama's full remarks...

Author: /time Magazine | Title: Obama's Stimulus: Jump-Starting His Long-Term Agenda | 1/8/2009 | See Source »

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