What do you think is unethical? The countrywide approved everyone to get their loans‚ no matter they have jobs or not‚ no matter they have income or not‚ no matter they have assets or not. The criteria they use may be unethical. They don’t care whether the documents are valid‚ whether they can verify the income‚ whether the appraisal is any good. They just care about getting the loan closed‚ in order to do another loan. The underwriters/ contractors looked through the loan as quick as they can.
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You Are What You Wear Whoever said “clothes make a man” had the right idea about people perceive each other on the first look. Whether you like it or not‚ a big part of the first impression that we make when you meet someone depends on how you look – which is basically how you’re dressed. Looking good is an obsession with people these days. We love to keep up on the latest trends and make sure we’re sporting the latest fashion. Just take a look around you. Bangalis seem to be really catching
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You Are What You Eat Introduction I. Think it ’s organic? Think again. II. Today we are going to talk about what makes a food organic and the changes in the industry. III. We are going to explore A. "Purists" view on what makes a food organic. B. "Big Box" influence on organics. C. Organic Standards Body I. Purists have a higher expectation of what organic means. A. Organics must be grown without man-made chemicals such as synthetic fertilizers and pesticides. They should
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What dog is would be a perfect fit for you? Alexander Pope once said" Histories are full of examples and fidelity of dogs than of friends". This quote rings true to all owners of dogs when they look back at all the times they’ve needed a friend‚ and their dog has been there to comfort them even when their human friends have not. But unlike the selection of our human friends which happens mainly by circumstance and chance‚ more effort and thought must be taken in the selection of a pet.
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Financial Analysis Retailers estimated that Pepe Company would increase its sales by about 10% by using a flexible ordering system. Now the current sales are £ 200‚000‚000. Hence 10% of £ 200‚000‚000 is £ 20‚000‚000. Thus a flexible system would lead an increase in sales of £ 20‚000‚000. Profit before taxes (PBT) at the rate of 32% would lead to an increase in in PBT of £ 6‚400‚000 (32% of £ 20‚000‚000). Alternative 1: Decrease in lead time would lead to an increase in costs by 30%.Currently
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You must do things you think you cannot do Honorary guest‚ lecturers‚ parents‚ fellow graduates‚ good afternoon. I am your valedictorian Oshane Thomas and I am charging you today to do the things you think you cannot do. The important actions aren’t easy. They are hard because of our fears. No one is without them. One of my fears is being here today talking to you. On preparation for graduation‚ I was notified that I had to deliver a speech and the thought of actually doing it terrified me
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I would like to tell you about an achievement that had impact on me‚ is learning English language. I that that would be easy but I figured that is very hard to learn a new language‚ learning English helped me a lot. I can understand better movies‚ songs even people speaking in English‚ and knowing this language is going to help me to have a better education in university‚ and in English course I made a new friends. Now I can understand much more English. Knowing English helped me a lot‚ now when
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What Have You Done As A Leader And How Has It Affected Your Life? Leadership is an intangible asset that usually cannot be showcased through medals and plaques‚ as athleticism or aesthetic talent. However‚ it is essential for an organisation and corporation as well as small businesses to have these skills to live in the competitive world in order to be successful. What have I done as a leader? and How has it affect my life ? I am really grateful to be the elected as the head of the Living
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Would You Have Quit? If I was a soldier in the American Continental Army during the Valley Forge time period‚ I would probably have quit the war. The reason that I would want to quit is i wouldn’t want to fight in a war‚ at all. I don’t think that fighting and killing is the answer to a country’s problems. However‚ if i was in the war then I would have quit because times were hard for the soldiers and for the people who were supporting the war‚ the Americans were losing the war‚ and they were
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Oliver Davies To what extent do you agree that schools have a uniform? From the ages of 5 to 16 by law every child in the UK must attend school; whether the school is state funded or privately funded they almost all have some form of school uniform. School uniforms are a requirement at almost all schools but in some state schools the regulations on school uniforms are a little looser than others‚ Meaning that some pupil wear pretty much whatever they want to school taking no notice of the school
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