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Nevertheless, all those mortgages that started the problem are still worth something. House prices are headed downward, but they're not headed to zero. What turned a simple price decline into a crisis that killed Bear Stearns was the way many financial firms (hedge funds and investment banks, especially) generate their profits: by making bets with borrowed money. To borrow that money, they have to put up collateral--for example, mortgage securities. Lately, many firms have been simultaneously beset by bets gone bad and skittish lenders' calling in loans or demanding more collateral...
...writers of the Wire for recognizing the enormous cost and fundamental inequities of the war on drugs, jury nullification is not a reasonable course of action. Not only would it take decades to have a real effect, but it is notoriously unreliable. We have found a solution to this problem: paid work, coupled with a drug-free environment and comprehensive support services. Every day in New York City, our Ready, Willing & Able program works with hundreds of former drug offenders, successfully helping them become law-abiding, self-sufficient members of society. It's a proven formula, in use right...
Thank goodness someone had the fortitude to address this horrific problem now facing our society. Incarcerating drug users only intensifies the problems of drug use. Addicts who have served time in prison not only still face the nightmare of trying to quit but also have a criminal record that multiplies their difficulties if they try to become productive members of society. We add the terrible handicap of a prison record to those who often begin with the disadvantage of lack of education and come from an environment of poverty. If this country would decriminalize drugs and regulate and tax their...
...Just because you don’t rape people doesn’t mean that your job is done,” he said.Schwartz agreed, noting that almost everybody on campus has some connection to sexual assault. He said they seek to reframe the issue as a problem for everyone.“If I think of four women I know, chances are, one of them will be sexually assaulted,” Van Niel said. “That’s a scary statistic.”BOYS SPEAK LEADERAccording to Rankin, the issue of sexual assault...
...We’re going to be settled [in Duluth] and I don’t have a doubt that we’ll be ready to go,” Vaillancourt said. “If you’re not ready, it might be a little problem.”Cahow is hoping that the third time will be the charm for her this weekend.She appeared in the national championship game in both her freshman and sophomore seasons, the Crimson fell to Minnesota in both contests.But the captain can sense the difference in this year?...