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A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan. The word mortgage is a French Law term meaning "death contract", meaning that the pledge ends (dies) when either the obligation is fulfilled or the property is taken through foreclosure.[1] A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank or credit union, either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. In many jurisdictions, though not all (Bali, Indonesia being one exception[2]), it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries where the demand for home ownership is highest, strong domestic markets for mortgages have developed. have criticized the requirement on businesses as a "job killer."Originally, that requirement was supposed to take effect next Jan. 1. Business groups complained since the law passed that the provision was too complicated. But such complaints until now seemed to be going unheeded.In February, Universal Studios Orlando announced it would drop medical coverage for part-time workers starting in 2014, due to a provision in the federal health care overhaul that would restrict annual limits on insurance policies.Under the health care law, those without employer-sponsored coverage will still be required to purchase insurance -- but would also receive subsidies if they can't afford it.Click here for more from The Buffalo News.The Associated Press contributed to this report. CAIRO When autocrat Hosni Mubarak fell after popular protests in 2011, journalist Sabah Hamamou hoped for change at her newspaper, Al-Ahram, the state-owned media flagship with an editorial line firmly controlled by the regime.Hamamou and some of her fellow journalists held demonstrations, issued petitions and pressed editors for the paper to break from state dictates and adopt independent, objective coverage.Change never came. First, the military rulers who took over after Mubarak tightly controlled the paper. Once Mohammed Morsi became president, his Muslim Brotherhood stepped in and pushed coverage their direction."What happened was they just put in their people in Al-Ahram and other state institutions, and nobody tried to reform the institutions themselves," Hamamou said. "The saying goes if you are confused about who is ruling Egypt, just look at the headlines of Al-Ahram."Now Hamamou is dismayed to see the paper and other state media unquestionably embracing the military after its coup that ousted Morsi on July 3, following protests by millions around the country demanding his removal.It's not only state media. Independent TV stations and newspapers have also enthusiastically backed the military and its crackdown on the Brotherhood, which included shutting down four Islamist TV stations. Their full-throated support reflects how convinced they became over Morsi's year that the Brotherhood were fundamentally anti-democratic and inter  
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