Proposed GSE refinance fee should be withdrawn

first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr CUNA continued its strong opposition to a recently announced Fannie Mae and Freddie Mac fee increase for certain purchased refinanced mortgages. CUNA President/CEO Jim Nussle wrote to Federal Housing Finance Agency (FHFA) Director Mark Calabria Friday, a day after CUNA joined a broad a coalition of organizations representing housing, financial services industries as well as public interest groups to issue a statement calling for the fee, scheduled to begin Sept. 1, to be withdrawn.“This late night, peremptory proclamation by the GSEs threatens to undercut the mortgage market for borrowers who are benefitting from refinancing in an environment of historically low interest rates,” Nussle wrote. “Given the serious challenges faced by American families due to the economic impacts of COVID-19 emergency, we are unable to understand why the GSEs would be encouraged or allowed to undermine the mortgage refinancing market, one of the few bright spots in our economy at the moment…Not only will this decision raise costs for credit union members and other borrowers, it may ultimately price some of our most vulnerable potential homeowners out of the market.”Nussle noted that the credit union mission to meet the credit and savings needs of consumers, especially persons of modest means, has “never been more critical than now,” and that the substance and timing of the fee “makes these challenges more difficult to overcome.”last_img read more

UK roundup: Towers Watson, FTSE 350, Hymans Robertson

first_imgTowers Watson is to launch an independently governed master trust as it looks to gain from the growing UK defined contribution (DC) market.Master trusts are multi-employer DC trust-based schemes run by third-party organisations.The consultancy said the offering was aimed at larger employers that prefer the independent governance of trust-based schemes but with a pricing structure similar to contract-based DC schemes offered by insurers.It will provide a fully outsourced solution to DC savings. Towers Watson said it expected DC assets to triple in the next decade.It appointed Fiona Matthews as managing director of the scheme, with the board chaired by independent trustee Donald Brydon.Paul Morris, head of EMEA at Towers Watson, said cost and governance were priorities but that the scheme design was focused on member experience and functionality.In other news, the deficit among defined benefit (DB) schemes within the FTSE 350 has increased by £27bn (€35bn) since the start of 2015 as falling corporate bond yields continue to push up liabilities.The research, conducted by UK consultancy Hymans Robertson, found liabilities had risen by £42bn between 1 January and 19 January, with deficit rises stemmed by a £15bn increase in assets.Real yields since the start of the year have dropped by 25 basis points, the consultancy said, with 15-year iBoxx corporate bonds hitting historical lows on 19 January.Jon Hatchett, head of corporate consulting at Hymans Robertson, said 10-year interest rates on corporate bonds were 3% at the start of last year, and have now almost halved.“Capital market volatility is an inescapable reality,” he added.“Market sentiment about economic conditions can change very quickly. What we see today is a dramatic turnaround from several months ago, when everyone thought interest rates would rise and the gradual unwinding of QE was on the horizon.“The picture at the end of 2014 was ugly, but it keeps getting worse. This will now be of greatest concern to the many companies whose year-end reporting falls on 31 March 2015.”last_img read more

COVID-19 fallout: Fifa makes VAR optional for top leagues

first_img Loading… Promoted Content8 Weird Facts About Coffee That Will Surprise You6 Extreme Facts About HurricanesWho’s The Best Car Manufacturer Of All Time?Did You Notice How Natural Simba’s Movements Looked In The Movie?Best & Worst Celebrity Endorsed Games Ever MadeA Hurricane Can Be As Powerful As 10 Atomic Bombs11 Most Immersive Game To Play On Your Table TopCouples Who Celebrated Their Union In A Unique, Unforgettable Way5 Of The World’s Most Unique Theme ParksEverything You Need To Know About Asteroid ArmageddonHere Are The Top 10 Tiniest Mobile Phones On The Planet!Amazing Ceilings From All Around The World However, on May 7, the German Football Association had confirmed that domestic competition Bundesliga will resume its season from May 16. Six games will be taking place on May 16, with Borussia Dortmund also slated to take on Schalke. The final matchday of the 2019-20 campaign is scheduled for the weekend of June 27-28. This decision was taken by the German Football Association as it got the green light from the German government to go ahead with resuming Bundesliga. Bayern Munich’s head coach Hansi Flick (centre) briefs players at training ahead May 16 kickoff However, the tournament has been asked to follow the coronavirus protocols, and it will see stadiums introduce biological controls similar to those required by medical facilities. Read AlsoEPL restart suffers setback as Brighton confirm third COVID-19 case The matches will be held without fans and under strict safety conditions, including frequent testing of players, coaches, referees, and support staff. However, the restart of the tournament received a major blow on Saturday as Bundesliga 2 side Dynamo Dresden announced that the club’s two players have tested positive for coronavirus. FacebookTwitterWhatsAppEmail分享 center_img The top football leagues like Premier League, La Liga have been given the option to do away with Video Assistant Referee (VAR) once the competitions resume after being suspended due to the coronavirus pandemic. Apex football body Fifa and the International Football Association Board (IFAB), which set the rules, have issued new guidelines ahead of the restart of the Bundesliga. “In relation to competitions in which the video assistant referee (VAR) system is implemented, these competitions are permitted to cease its use upon restart at the discretion of each individual competition organizer,” Fifa said in an official statement. “However, where VAR is used, all aspects of the laws of the game and, by extension, the VAR protocol will remain in place,” it added. Over the years, VAR has been subjected to severe criticism around the globe and it has paid host to some controversial decisions. Currently, all sporting action across the world has come to a halt due to the coronavirus pandemic.Advertisementlast_img read more

Syracuse’s upset bid falls short at No. 8 Miami, 27-19

first_imgMIAMI — Adrift in an ocean of green jerseys, Eric Dungey had nowhere to run. He peeked over his left shoulder, saw Miami defensive linemen racing toward him and looked down field. He overthrew Ervin Philips and the ball sailed into no man’s land, where a Hurricanes defensive back caught it.Dungey lay flat on his butt at the 30-yard line, without having seen the disappearance of his third interception of the game. The Miami sideline erupted with cheers Saturday afternoon at Hard Rock Stadium. By that time, Dungey had had a grand total of 12 passing yards, thrown 1-for-10 and carried a minus-39.9 quarterback rating. On its ensuing possession, Miami pushed its lead to 13 in a 27-19 victory.“Those are my fault,” Dungey said. “Miscommunication, but I’ve got to communicate.”Each of Dungey’s four first-half interceptions left Syracuse with an unnerving sight: Miami players jumping up and down, clutching their fists. They combined with a restless Miami (6-0, 4-0 Atlantic Coast) defensive front to hold Syracuse (4-4, 2-2) to its lowest offensive output since a 45-14 loss to Florida State last season.The Hurricanes entered Saturday fifth in sacks per game and third in tackles for loss. It was a mismatch for Syracuse, which has allowed more sacks per game and tackles for loss than every ACC team not named Florida State. The result was a Syracuse loss that puts the Orange at 4-4, exactly where it stood this time one year ago.AdvertisementThis is placeholder textFor most of the game the heart of Syracuse — junior quarterback Eric Dungey — could not be protected. The SU offensive line could not solve the UM blitz to shield its QB. Overall, the offense could not bail out another strong defensive game, as Syracuse’s defense held a third straight opponent to under 30 points. The Syracuse offense, though, has not eclipsed 30 points since week 3.“We had some difficulty shaking people off, giving them great field possession and putting our defense in a bad situation,” Syracuse head coach Dino Babers said. “We came back and played a better half of football, but when you’re playing a team like this, you have to score touchdowns, not kick field goals.”Despite a second-half resurgence to pull within four, Miami harassed Dungey to the tune of six QB hurries, four sacks and four picks. Dungey took the blame, while Babers said none of the turnovers were his quarterback’s fault.Regardless, it speaks to a larger issue that was somewhat disguised in Syracuse’s upset win over Clemson: Syracuse struggles against blitz-heavy defenses. Middle Tennessee State, No. 24 LSU, No. 16 North Carolina State and now No. 8 Miami all have brought pressure to disrupt the SU offense. Babers’ answer has always been that the line is young and ever-evolving, though a strong performance against Clemson’s potent front four suggested otherwise.Just after a Miami touchdown in the first half, a herd of Miami defensive linemen hunted down Dungey, who stood alone by his team’s 40-yard line. He had barely eluded a sack and stood with his hands on his hips after the ball floated into the hands of a Miami defensive back. He jumped on his toes in frustration in a game Philips and Steve Ishmael, the country’s leading receiving duo, combined for only nine catches and 98 yards.“It really wasn’t Dungey,” Babers said. “It looks like it was four interceptions on the quarterback, but there were a lot of other things. He was battling and making plays where we should have been able to make plays on the balls.”Senior kicker Cole Murphy made four field goals, including a career-long 53-yarder to pull Syracuse within one in the fourth quarter. The SU offensive line showed new life in the second half, buying the offense some time, especially the run game. Sophomore running back Moe Neal ran for Syracuse’s lone touchdown of the game, a 15-yarder in the third. It succeeded a pair of Dungey broken-down first-down pickups on the ground, one of 28 yards, the other 14.Following Neal’s score, Babers smiled. Miami head coach Mark Richt put his hands on his knees. Syracuse, again, seemed on the precipice of history against a top-10 team. Syracuse could exhale.But the Hurricanes signal-caller Malik Rosier tossed a deep ball for a touchdown on Miami’s next possession, sucking the life out of Syracuse in what would have been a historic win. With a massive upset over then-No. 2 Clemson last week, Syracuse defeated a No. 2 team for the first time in 128 years of football. Saturday afternoon, Miami nearly became its next victim. An upset would have been Syracuse’s first stretch of back-to-back top-10 wins since 1959, the year Syracuse won the national title.The Orange positioned itself to win late but fell short. Miami rolled to its 11th straight win, while Syracuse enters its bye week needing to win two of its next four to ensure bowl eligibility.“We have to make sure we don’t turn the ball over,” Babers said. “We have to score touchdowns when we’re in the red zone. It’s coming back to the same thing, same thing.” Comments Published on October 21, 2017 at 7:29 pm Contact Matthew: [email protected] | @MatthewGut21 Facebook Twitter Google+last_img read more

Can anyone actually compete with these Warriors?

first_imgOAKLAND — Are the Denver Nuggets really the second-best team in the Western Conference?We all know the Warriors are the best team in the league, which obviously makes them the best team in the West — but is Denver truly their top competition in what is usually a highly-competitive conference?Don’t me wrong — I like the Nuggets and am intrigued by what they’re doing to start this season. But if what we’re seeing is true — if the Nuggets are truly the second-best team in the Western Conference …last_img

Long, complex process leads Giants to a big gamble: Gabe Kapler

first_imgSAN FRANCISCO — In the technologically-advanced, analytically-driven world of baseball, decisions are rarely, if ever, made without a thorough review of data.If the Giants polled their fan base on the idea of hiring former Phillies manager Gabe Kapler to replace Bruce Bochy, the numbers would have been overwhelming.There’s no conceivable way the data would suggest the organization should hire Kapler, whose mediocre record as Philadelphia’s manager mattered far less to most fans than his …last_img

Darwin Follies and Fallacies, Part Three

first_imgIt’s hard to know where to stop with examples of Darwinian nonsense. For evolutionists, it’s like April Fool every day. These are just some of the recent examples.Croc-a-dolphin crock: Remember how we said that ‘evolve to‘ is nonsense in Darwinism? That’s because natural selection is blind, unguided, and dumb. It cannot try ‘to’ do anything, because it is impersonal. This article on Science Daily claims, “Crocodiles and dolphins evolved similar skulls to catch the same prey.” One would imagine that crocodiles, since they invented their prey-catching skulls first, would sue the dolphins for copyright infringement. The wizards at Monash University position themselves as eyewitnesses of prehistoric engineering, saying, “despite their very different ancestors, dolphins and crocodiles evolved similarly-shaped skulls to feed on similar prey.”Darwin’s schnotz: Charles Darwin was not fond of his large nose. He chided his friend Asa Gray, who still believed in theistic evolution, “Will you honestly tell me that the shape of my nose was ordained and guided by an intelligent cause?” (ENST). In that tradition, disciple Sara G. Miller writes for Live Science, “What Your Nose Knows About Human Evolution.” She even draws climate change into her tale. “They can be bulbous, pert or pointy, but why do noses look so different from one another?” she writes, gearing up for just-so story mode. “It could have something to do with how humans evolved to live in certain climates, a new study suggests.” Strangely, she calls “genetic drift” a “mechanism of evolution.” But then again, “for the evolution of some human traits, it’s likely that another mechanism, natural selection, also played a role.” Both ‘mechanisms’ are manifestations of the Stuff Happens Law, the veritable anti-mechanism.Popeye sea stars: “Tiny lenses that could have allowed sea stars and brittle stars to respond to light may have evolved at least 57 million years earlier than previously thought,” Nature says in a news quip (see 8/23/01 about the amazing brittle star lenses). Fossil brittlestar eyes, just like those on living brittle stars, have been found 136 million Darwin Years old, tens of millions of Darwin Years older than the previous record (79 million Darwin Years). How, exactly, did these “sophisticated” and “incredible structures” evolve? “The microlenses evolved long after the brittle- and sea-star lineages diverged, so may have emerged independently in the two groups from shared structures,” the article answers, suggesting that Popeye had a twin.Chemical warfare: Hydrogen cyanide is so toxic, it must be handled with extreme care. A paper in PNAS describes a chelicerate that is capable of storing HCN in a non-toxic state and releasing it quickly to deter predators, without harming itself. This entire capability had to exist complete from the beginning, or the animal would die. How could it evolve? Their answer: It just evolved— multiple times, independently!Among animals, cyanogenesis is a defensive strategy that has seemed restricted to a few mandibulate arthropods (certain insects, millipedes, and centipedes), which evolved ways to store HCN in the form of stable and less volatile molecules. We found an instance of cyanogenesis in the phylogenetically distant group Chelicerata (“spider-like” arthropods), involving an aromatic ester for stable HCN storage and two degradation pathways that release HCN.They admit this apparently irreducibly complex system represents an “evolutionary challenge,” but they maintain their undying faith in the power of evolution.The rarity of cyanogenesis in mandibulate arthropods and its supposed absence in the other speciose arthropod subphylum, Chelicerata, may relate to the evolutionary challenge posed by using a universal toxin in defense: self-poisoning must be prevented by storing the highly volatile HCN as a safe carrier molecule or storage molecule. In case of threat or attack, the cyanogenic compounds are discharged and must be quickly degradable to release HCN.Nevertheless, it “obviously evolved multiple times in arthropods.” Obviously. What’s your problem? Don’t you know that “Stuff Happens” is omniscient, omnipresent, and omnipotent?Parasitology Lesson: In discussion how microbes invaded different parts of the body, Science Daily commits the teleological fallacy multiple times.Microbes evolved to colonize different parts of the human body.As the human species evolved over the last six million years, our resident microbes did the same, adapting to vastly different conditions on our skin (etc.)But figuring out how our bacteria — which by some accounts outnumber our own cells by ten to one — evolved to live with each other and with us has proven particularly challenging.different microbes have evolved to adapt to environments like our skin and mouthEvolution on standby. Microbes under the seafloor aren’t evolving. “Microorganisms in the subsurface seabed on evolutionary standby,” Science Daily states without a blush. Do scientists understand how this stuff happens? “It remains a mystery why these microorganisms have an inherent ability to grow under the extreme conditions that occur in the deep seabed.”Stuff happens earlier than expected. Live Science writes matter-of-factly about fossil algae 1.6 billion Darwin Years old, even though this puts pressure on Darwin’s tinkerers at the beginning. Mindy Weisberger doesn’t blink an eye when she says, “The ancient specimens are 400 million years older than previous fossil algae discoveries, and hint that multicellular life evolved on Earth far earlier than was once thought.” Thought by whom?Plant breath: Elizabeth Pennisi, writing for Science Magazine, offers a thanksgiving prayer to evolution.Anyone awed by towering redwoods should offer thanks to stomata, the tiny pores on the leaves of all trees and other vascular plants. These microscopic mouths allow plants to grow tall and to regulate carbon dioxide intake and water loss. Stomata, in short, helped plants colonize the landscape and transform the planet. Now, molecular studies are giving scientists glimpses of the early days of stomata and how they have changed since then. They suggest complex stomata evolved to help early plants control moisture in their spore capsules and that other plants later exploited these pores to breathe in carbon dioxide and exhale water vapor. And hundreds of millions of years later, more sophisticated stomata evolved in grasses, enabling them to tightly control water loss—a feature that helped them dominate dry landscapes around the world.Like Popeye, Darwin’s Tinkerbell cartoon character gets instant results like popcorn. And Tinkerbell also knows the convergence trick, her lab being well stocked with Darwin Flubber.But where did this evolutionary wonder come from?Stomata are seen in 418-million-year-old plant fossils and are found even in ancient plant groups like mosses. “It’s as if they popped up fully formed, and surely that cannot be the case,” says Alistair Hetherington, a plant biologist at the University of Bristol in the United Kingdom….  [she delves into alleged convergent emergences of stomata].None of this work truly gets to the earliest events in stomata evolution, researchers note—even the versions on moss spore capsules must have taken a long time to arise. “Much like the big bang theory doesn’t tell us anything about events before the origin of the universe, we know almost nothing about the steps that led to the first stomata,” says Peter Franks at the University of Sydney. But although the cosmologists’ questions may be unanswerable, plant scientists hope to explore the story of stomata back to their beginnings.Sequoia forest, by David CoppedgeVocal excellence: Speaking of the “emergence of linguistic laws in human voice,” authors of a paper in Nature Scientific Reports marvel at what natural selection has accomplished (even though they only mention ‘natural selection’ once, and never speak of mutations). Chaos, they say, has produced perfection:We will show clear evidence of robust Zipf, Heaps and brevity laws emerging in this context and speculate that this might be due to the fact that human voice seems to be operating close to a critical state, hence finding an example of a biological system that, driven by evolution, has linked complexity and criticality….From an evolutionary viewpoint, under this latter perspective human voice, understood as a communication system which has been optimized under evolutionary pressures, would constitute an example where complexity (described in terms of robust linguistic laws) emerges when a system is driven close to criticality, something reminiscent of the celebrated edge of chaos hypothesis.They must have evolved: Ichthyosaurs were highly successful marine reptiles. Trouble is, they have no known ancestors in the fossil record. And according to evolutionists, they must have evolved from land animals. Stephen Brusatte says in Nature, “They totally changed their bodies, biologies and behaviours in order to live in the water.” Their evolutionary journey mirrors that of the whales, which came from cows or dogs (according to Darwin followers). Like everything else in Darwin fantasyland, ichthyosaurs took the Stuff Happens Law into their own hands. “Many evolved huge eyes — larger than footballs, in one species — for peering through the dark depths,” Darwin Party propagandist Traci Watson writes. Any support for their evolution? “The ancestors of ichthyosaurs remain unknown,” an infographic states.Art evolution: Stephen Pinker and other prominent evolutionists think that art is a product of evolution. When book reviewer Nurin Veis discusses “Four takes on the evolution of art” in Nature, she’s literally doing away with intelligent design in this pre-eminently creative human activity. Describing an exhibit in Australia that explores the origins of art from the perspective of four evolutionists, she says, “Each answers a tough question: does art have a biological basis, and has it contributed to human evolution?” Example: “Pinker focuses on Darwinism, asking whether the desire and ability to make art is a heritable trait that gives humans a reproductive advantage, or whether it is a by-product of survival adaptations” — clearly a false choice. Another evolutionist views art as “a strategy for attracting mates by signalling fitness, intelligence, skill, resourcefulness and dominance.” Who knows; maybe theorizing about Darwinian evolution ’emerged’ the same way (cue sound of short circuit).We’ll pass up Phys.org‘s treatise on Beard Chromodynamics (cf. 3/31/06). Suffice it to say that evolutionary confabulation knows no limits. At Evolution News, David Klinghoffer comments, “When it comes to explaining major biological novelties, the evolutionary story is a matter of extrapolation and imagination.”In this extensive three-part series, we had to quit after documenting 32 recent (2017) examples of Darwinians breaking the rules of science. You’ve watched as they have assumed evolution by assertion, as they have ascribed magical powers to it, as they have misrepresented it by interjecting teleology into it contrary to Darwin’s  whole program, as they have told just-so stories with made-up words, and as they have displayed unshakeable faith in its powers with no need for evidence. The scope of their just-so stories ranges from microbes to humans. These documented cases are not from obscure corners, but from the leading journals (PNAS, Science, Nature) and from the leading science news services. They all commit almost every fallacy in the Baloney Detector.Now, tell us about the “fact” of evolution.Recommended Resource: Tom Bethell’s new book Darwin’s House of Cards agrees with our position that natural selection is a tautology, a classic case of circular reasoning. This veteran journalist interviewed Karl Popper and heard him maintain his position that Darwinism was not science because it is unfalsifiable. He also interviewed Richard Lewontin, Stephen Jay Gould and other leading Darwinian experts. Bethell looks at the house of cards from every angle and finds nothing of substance.Now the fit will be survivors and survivors will be fitAnd survivors will survive to prove the fitness of the fitO, this natural selection, it’s so simple isn’t it?‘Tis ruthless marching on.— from our Darwin hymnbook(Visited 126 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

South Africa’s Ubuntu awards: winners

first_img15 February 2016“Today we honour those who hold our beautiful flag high, and who contribute to not only telling, but demonstrating the good story of the Republic of South Africa,” said President Jacob Zuma at the second Annual Ubuntu Awards held on 13 February in Cape Town.“The men and women that have been honoured here today are inspirational examples of this. In their various industries they have truly excelled, thus promoting a positive image of our nation across the globe.”The aim of the awards is to recognise organisations or individuals who have, through excellence, innovation, creativity, inventiveness, social responsibility or patriotism, distinguished themselves as true ambassadors of South Africa.Nkoana-Mashabane: #UbuntuAwards is about I am because you are. The human qualities of compassion and humility. Community above self-interest— carien du plessis (@carienduplessis) February 13, 2016Best lessons are learnt in this word… What are we without one another? #UbuntuAwards pic.twitter.com/p7tDMbEu7z— J’Something™ (@jsomethingmusic) February 13, 2016WinnersUbuntu Economic Diplomacy Award: Standard Bank and DiscoveryUbuntu Arts and Cultural Diplomacy Award: DJ Black Coffee and musician Hugh MasekelaUbuntu Social Responsibility Award: Rescue SA and the Motsepe FoundationUbuntu Sport Diplomacy Award: Runner Wayde van NiekerkUbuntu Youth Diplomacy Award: Former Miss Earth, LeadSA executive and Play your Part ambassador Catherine ConstantinidesOR Tambo Lifetime Achievement Award (Minister’s Award): Agnes Msimang and the late Johnny Makhathini for their contribution to the anti-apartheid struggleUbuntu Ambassadorial Excellence Award: Ambassador Bene L M’pokoCongratulations to all the #UbuntuAwards winners. We are because you are! Continue showing Ubuntu – Botho – humanity pic.twitter.com/wuDthc17XN— DIRCO South Africa (@DIRCO_ZA) February 13, 2016Upon receiving his award, Masekela urged the audience to never forget the late Miriam Makeba, the award-winning songstress and icon. She “made everyone know about South Africa”, he said, when she performed in foreign countries during the days of the struggle.Source: South African Government News Agencylast_img read more

S-noilite® Womens Sexy Long Wig Fancy Dress Full Hair Wigs Costume Party Hen Night Club : Basic fancy dress wig

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Better quality than quantity for Ohio silage

first_imgShare Facebook Twitter Google + LinkedIn Pinterest According to USDA/NASS, almost half of the corn planted for silage in Ohio has been harvested. DuPont Pioneer Account Manager Doug House says although the tonnage may not be there this season, the quality certainly is. Ty Higgins has more in this week’s DuPont Pioneer Field Report.last_img