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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Wei-Hsiang Wang What do you think art is? In my opinion‚ the major purpose of art is to influence someone. Some of the most common types of art in public are paintings‚ photos‚ and sculptures. When I go to the library‚ I would see photos of intellectual people‚ such as Gandhi‚ and Albert Einstein. These photos on the wall can greatly influence my mood and efficiency on studying. When I go to a hospital‚ I would see paintings and pictures that show life. Most of these paintings would have the color green
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People say it is important to have a realistic view of life. For 99% of people this is true. For most people‚ to not have a realistic view of life is to risk failure to achieve one¡¦s goals and dreams. Such people usually become lonely and bitter. Every so often‚ however‚ one person refuse to accept what others call a ¡§realistic view¡¨ of life and insist on changing the world around then to fit the vision they have in their head. Such people has the power to change the world for the better or worse
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Amelia Scotney ‘To what extent do urban areas modify their climate?’ – 40 marks. Cities create their own microclimates and their sites are almost always warmer‚ compared to a nearby rural location‚ than if the city were not there. The differences in urban climates are due to a number of different factors. The Urban Heat Island effect is known as the zone of hot air that develops over the urban areas and consequently higher temperatures than the surrounding rural area. Temperatures progressively
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entire history of mankind‚ the technological advancements that civilisations have made have always been tied in with the development of energy sources. The first human energy technology was fire‚ along with human labour as the major energy source. This has bee supplemented by animals for agriculture and transportation since at least the dawn of agriculture some 10‚000 years ago. Wind and waterpower for milling grain have also been used nearly as long. The development of the steam engine by George
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What is the K to 12 Program? The K to 12 Program covers Kindergarten and 12 years of basic education (six years of primary education‚ four years of Junior High School‚ and two years of Senior High School [SHS]) to provide sufficient time for mastery of concepts and skills‚ develop lifelong learners‚ and prepare graduates for tertiary education‚ middle-level skills development‚ employment‚ and entrepreneurship Salient Features How will K to 12 help in ensuring employment for our graduates? • The
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burn our food for fuel? Contents Introduction 3 Why do we do this 3 Conclusion 4 Bibliography 4 Why do we burn fossil fuels Introduction The Energy Independence and Security Act of 2007 mandates that by 2022 36 billion gallons of biofuels will be produced in the United States. 15 billion gallons of this biofuel is expected to come from corn. (1) This will require the sacrifice of enough food to feed 166‚000‚000 people--over half the current population of the United States. This
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Can alternative energy effectively replace with fossil fuels? ‘’Fossil fuels are coal‚ natural gas and petroleum.’’ (http://en.wikipedia.org/wiki/Fossil_fuel) They are all organic residues. People use this for their energy‚ fuel and heating requirements. But fossil fuels polluting environment so much and people started to think about using alternative energy for their environment’s healthy. ‘’These alternative energy resources are windy power‚ solar energy and geothermal energy.‘’ (http://en
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Hybrid Cars Reduce The Dependency On Fossil Fuels? I am going to talk about hybrid cars and can they reduce the dependency on fossil fuels. The hybrid cars manufactures that I’m going to use is Toyota‚ Honda Can hybrid cars reduce the dependency on fossil fuels? Hybrid cars can reduce the dependency of fossil fuels because it would stand between the consuming world and its gas guzzling cars by replacing them with fuel efficient hybrid cars. Hybrid cars have lower level of gasoline consumption
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Chemistry Questions 1. Explain what is happening to the water molecules in the flat areas of the line on your graph during the phase changes from solid to liquid and liquid to gas. The water molecules are currently gathering potential energy to change from the differing states of matter. Due to thermal equilibrium‚ the water would need a set amount of energy to break through the changes in matter. This is why temperature slows down in these phase changes. 2. When the ice is melting is it releasing heat or absorbing heat
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