Word: systemically
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...What accounts for the disappointing pace? According to Treasury and HUD, servicers aren't spending enough money or energy to make the program work. Treasury and HUD want the companies to add more staff, expand their call centers, train their representatives better, put more information online and create a system for dissatisfied borrowers to appeal their cases. To shame the firms into better participation, the government said that in August it will start revealing the number of modifications at each company and the long-term success of those rewrites...
...Whatever the cause, the result is a system packed with pain for any homeowner looking for help. By the summer of 2008, Charles and Jennifer Lively knew they were going to start having trouble with the mortgage on their home in the Boise, Idaho, area, since Charles's paycheck (he works in plumbing, tied to new construction) had taken a major hit. They called their lender and were told there was nothing to do until they missed a payment. Eventually, the couple did and applied for a modification four different times but kept getting turned down. They desperately asked...
That's surely a worthy goal, although, at least in the U.S., it offers a classic example of the incentive problems in the current health-care system: if general practitioners spend extra time with each patient trying to diagnose psychiatric problems, they will see fewer patients in a day, which means fewer reimbursements overall from the insurance companies. So is there another...
...they must be protected by preventing illness in those around them), emergency medical personnel who are likely to be in contact with infected patients, young people between 6 months and 24 years old, and nonelderly individuals who have underlying conditions, such as asthma, respiratory illness or a compromised immune system, that put them at higher risk of flu complications...
...police radio in the 1950s. "They truly are a force multiplier," says Sergeant Dan Gomez, the officer in charge of the Los Angeles Police Department's Tactical Technology Unit. In a typical 10-hour shift, Gomez says, a police officer traditionally could run perhaps 100 license plates through the system - calling the information in or typing into a computer, then waiting for a response. In comparison, says Gomez, the APLR system can process from 2,000 to 2,500 license plate "hits" per patrol car in that same 10-hour shift. (See the best inventions...