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.
The Senate roundly rejected a proposal Wednesday to redirect aid for Egypt into bridge-building projects in the U.S. after a potential Republican presidential candidate and tea party favorite challenged the Obama administration's refusal to label the ouster of Egypt's president a military coup.Sen. Rand Paul of Kentucky's amendment to next year's transportation bill would have halted the $1.5 billion in mainly military assistance the U.S. provides Egypt each year.He cited the U.S. law banning most forms of support for countries that suffer a military "coup," a determination the administration has said it won't make about the Egyptian army's July 3 ouster of the Islamist President Mohammed Morsi. And he invoked U.S. infrastructure shortcomings as well as Detroit's bankruptcy and Chicago's violence to make his case for the money to be put back into the domestic economy."Our nation's bridges are crumbling," said Paul, who has previously failed in attempts to cut U.S. support programs for Egypt, Libya and Pakistan. "I propose that we take the billion dollars that is now being illegally given to Egypt and spend it at home."The Senate voted 86-13 against the measure, the first to be proposed in either chamber of Congress since the army arrested Morsi, suspended the constitution and cracked down on the Muslim Brotherhood. A series of deadly protests have taken place since in what was once Washington's strongest ally in the Muslim world, but wh
to the dawn of the space age with Mercury, Gemini, Apollo and space shuttle missions.While technology drove much of the suit design to maintain an airtight barrier to the vacuum of space and to protect from solar radiation, fashion aesthetics of the time also played a role, Lewis said. The original Mercury seven astronaut suits were unique from all others with a silvery coating to introduce America's space explorers to the world."NASA had a demand to create the astronauts into a whole new corps, a non-military corps. So here was an opportunity to dress them in a new uniform ... that evokes sensibilities of that Buck Rogers imagination," she said. "All of these guys, the engineers, they grew up on science fiction. They fed it with their ideas, and they were consumers of it at the same time."Curators are working to find ways to preserve spacesuits because some materials are decomposing, discoloring or becoming rigid some 50 years after they were created.The spacesuit show is traveling to 10 cities, moving next to Tampa, Fla., Philadelphia and Seattle through 2015.VIDEO: Russian Rocket Explodes on Live TVTwo companion exhibits at the National Air and Space Museum also highlight 50 artworks of about 550 new items added to the Smithsonian's growing space art collection over the past decade. They include portraits of astronomer Carl Sagan and astrophysicist Neal deGrasse Tyson, and a photograph of first female shuttle commander Eileen Collins
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This email was sent to you because you requested we contact you about updates and promotions. To unsubscribe, click here. | In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that people will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income is not considered by the major credit bureaus when calculating a credit score. There are different methods of calculating credit scores. FICO, the most widely known type of credit score, is a credit score developed by FICO, previously known as Fair Isaac Corporation. It is used by many mortgage lenders that use a risk-based system to determine the possibility that the borrower may default on financial obligations to the mortgage lender. All credit scores have to be subject to availability. The credit bureaus all have their own credit scores: Equifax's ScorePower, Experian's PLUS score, and TransUnion's credit score, and each also sells the VantageScore credit score. In addition, many large lenders, including the major credit card issuers, have developed their own proprietary scoring models. Studies have shown scores to be predictive of risk in the underwriting of both credit and insurance.[15][16][17] Some studies even suggest that most consumers are the beneficiaries of lower credit costs and insurance premiums due to the use of credit scores.[16][18] New credit scores have been developed in the last decade by companies such as Scorelogix, PRBC, L2C, Innovis etc. which do not use bureau data to predict creditworthiness. Scorelogix's JSS Credit Score uses a different set of risk factors, such as the borrower's job stability, income, income sufficiency, and impact of economy, in predicting credit risk, and the use of such alternative credit scores is on the rise. These new breed of credit scores are often combined with FICO or bureau scores to improve the accuracy of predictions. Most lenders today use some combination of bureau scores and alternative credit scores to develop a better insight into their borrower's ability to pay. It is widely recognized that FICO is measure of past ability to pay and that's why new credit scores that focus more on future ability to pay are being deployed to enhance credit risk models. L2C offers an alternative credit score that uses utilities payment histories to determine creditworthiness and many lenders use this score in addition to bureau scores to make lending decisions. Many lenders use Scorelogix's JSS score in addition to bureau scores since the JSS score factors job and income stability to determine if the borrower will have the ability to repay debt in the future. It is estimated that FICO score will remain the dominant score but in all likelihood it will always be used in conjunction with other alternative credit scores which offer new layers of risk insights. APDec. 16, 2011: Mitt Romney speaks during a rally at Missouri Valley Steel in Sioux City, Iowa.With the last pre-caucus debate in the rearview, the Republican presidential candidates are hitting the ground in a mad dash to meet and greet voters before their minds are made up and they tune politics out.The Fox News debate Thursday night in western Iowa was a critical opportunity for the candidates to make their closing arguments on a host of issues ranging from foreign policy to the economy to sheer electability. The next two and a half weeks will be about the personal touch, as the candidates pack their schedules in Iowa and beyond with visits to every pizza parlor and diner they can find.The second-tier candidates are making a big push. As Texas Gov. Rick Perry set out on a statewide Iowa bus tour, Minnesota Rep. Michele Bachmann followed an aggressive performance at Thursday night's debate with an aggressive schedule of stops at restaurants and coffee shops 've earned the right to try to determine their future. They've earned the right to try to work their way through the issues that they're going to have to confront," he said.Ahead of Panetta's visit, the Obama administration announced it had lifted sanctions the U.S. imposed on Libya in February to choke off the Qaddafi regime's funds while it was violent suppressing peaceful protests. The U.S. at the time blocked some $37 billion in Libyan assets, and a White House statement said Friday's action "unfreezes all government and central bank funds within U.S. jurisdiction, with limited exceptions."Recovery of the assets "will allow the Libyan government to access most of its worldwide holdings and will help the new government oversee the country's transition and reconstruction in a responsible manner," the White House said.But the continuing violence in Libya, including recent skirmishes between revolutionary fighters and national army troops near Tripoli's airport, 
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PO Box 26452 Minneapolis, MN 55426 | Gambooge is grown for its fruit in southeast Asia, coastal Karnataka/Kerala, India and west and central Africa. It thrives in most moist forests. Gambooge is one of several closely related Garcinia species from the plant family Guttiferae.[1] With thin skin and deep vertical lobes, the fruit of G. cambogia and related species range from about the size of an orange to that of a grapefruit; G. cambogia looks more like a small yellowish, greenish or sometimes reddish pumpkin.[2] The color can vary considerably. When the rinds are dried and cured in preparation for storage and extraction, they are dark brown or black in color. Along the west coast of South India, G. cambogia is popularly termed "Malabar tamarind," and shares culinary uses with the tamarind (Tamarindus indica). The latter is a small and the former a quite large evergreen tree. G. cambogia is also called "Goraka" or, in some areas, simply "Kattcha puli" (souring fruit). G. cambogia is used primarily in cooking, including in the preparation of curries. The fruit rind and extracts of Garcinia species are called for in many traditional recipes. In the Indian Ayurvedic medicine, "sour" flavors are said to activate digestion.[3] G. cambogia is employed commercially in fish curing, especially in Ceylon (Colombo curing), and various species of Garcinia are used similarly in food preparation in Assam (India), Thailand, Malaysia, Burma and other Southeast Asian countries. The trees can be found in forested areas and also are protected in plantations otherwise given over to pepper, spice and coffee production. In the areas in which it is consumed, G. cambogia is considered to be effective in making meals more "filling." The "Colombo curing" of fish is a commercial enterprise of fish preservation typical of South India which makes use of the antibacterial qualities of the fruit. ("Colombo curing" is especially associated with the island nation of Ceylon/Sri Lanka. - Fish "Ambul Thiyal") Assam fruit is an essential souring ingredient in the Southern Thai variant of kaeng som, a sour curry. The extract and rind of Garcinia cambogia is a curry condiment in India. law took effect, and the U.S. attorney's office for Kansas released it Thursday."Kansas may not prevent federal employees and officials from carrying out their official responsibilities," Holder wrote in his letter. "And a state certainly may not criminalize the exercise of federal responsibilities."Patricia Stoneking, president of the Kansas State Rifle Association, said gun rights supporters were prepared for such a response from President Barack Obama's administration. The president has sought new gun control measures since December's deadly mass elementary school shooting in Newtown, Conn.The Republican governor is a gun rights supporter, and the measure passed the GOP-dominated Legislature by wide margins. Kobach also is a Republican."I think the people of Kansas are going to back this up," Stoneking said. "Probably thousands of grass-roots citizens are all in."Brownback said in his letter to Holder: "The right to keep and bear arms is a right that Kansans hold dear."The governor added, "The people of Kansas have repeatedly and overwhelmingly reaffirmed their commitment to protecting this fundamental right."The Kansas law is modeled on a 2009 Montana law that is being reviewed by a federal appeals court, and Alaska lawmakers approved a similar measure last month. Alabama, Missouri and Oklahoma lawmakers are considering similar legislation.Supporters of the Kansas law softened it to say that federal agents wouldn't be arrested or shown Israeli military and civilian leaders secret Air Force video of an earlier version of the bomb hitting its target, according to diplomats who spoke to the newspaper. In the video, the weapon penetrating the ground within inches of its target, then detonates underground, according to people who have seen the footage.The new and improved MOP, has adjusted fuses to maximize its burrowing power, upgraded guidance systems to improve its precision and high-tech equipment intended to allow it to evade Iranian air defenses in order to reach and destroy the Fordow nuclear enrichment complex, which is buried under a mountain near the Iranian city of Qom. The upgraded MOP designed for Fordow hasn't been dropped from a plane yet.Iran's Fordow Uranium Enrichment Facility, built under a mountain near the city of Qom, has long been seen as a nearly impenetrable target using conventional weapons. In January 2012, U.S. officials said didn't think their largest bomb could penetrate the bunker where centrifuges enrich the material needed for nuclear bombs.According to the website of defense contractor and maker Boeing, the MOP includes a GPS navigation system and more than 5,300 pounds of explosives. It measures 20 feet long and is designed specifically to attack hardened concrete bunkers and tunnel facilities.In March, Pentagon officials are spoke publicly about the MOP bombs, which are from Boeing and designed to fit exclusively with the B-2 and 
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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
Mr Lid - The Food Storage Container With An Attached Lid � Mr. Lid the only container of its kind with an attached lid. Neat, clean and totally green. The secret is patented lid design with seal safe hinge. � Learn More � Mr Lid - PO Box 991 Ashburn, VA 20146 Tupperware was developed in 1948 by Earl Silas Tupper (1907���83) in Leominster, Massachusetts.[3] He developed plastic containers used in households to contain food and keep it airtight. The formerly patented "burping seal" is a famous aspect of Tupperware, which distinguished it from competitors. Tupperware pioneered the direct marketing strategy made famous by the Tupperware party. Brownie Wise (1913���92), a former sales representative of Stanley Home Products, developed the strategy. During the early 1950s, Tupperware's sales and popularity exploded, thanks in large part to Wise's influence among women who sold Tupperware, and some of the famous "jubilees" celebrating the success of Tupperware ladies at lavish and outlandishly themed parties. Tupperware was known���at a time when women came back from working during World War II only to be told to "go back to the kitchen"[4] ���as a method of empowering women, and giving them a toehold in the post-war business world.[5][6][7] The tradition of Tupperware's "Jubilee" style events continues to this day, with rallies being held in major cities to recognize and reward top-selling and top-recruiting individuals, teams, and organizations. e interests that could serve to unite ordinary, and often apathetic, citizens in meaningful forms of protest; a highly confrontational, take-no-prisoners approach to those holding the reins of power; and an unwavering faith that positive change can be effected by people previously uninvolved in politics.These principles Alinsky set forth in three books, most notably Reveille for Radicals (1949) and Rules for Radicals (1971), which found a wide audience amid the countercultural protests of the late 1960s and early 1970s.In this book, Alinsky declared near the outset of Rules, we are concerned with how to create mass organizations to seize power and give it to the people; to realize the democratic dream of equality, justice, peaceThe Prince was written by Machiavelli for the Haves on how to hold power. Rules for Radicals is written for the Have-Nots on how to take it away.Alinsky's whole style was very in-your-face, said Marshall Ganz, a professor of public polic s more important. We can either settle for a country where a shrinking number of people do really well, while a growing number of Americans barely get by. Or we can restore an economy where everyone gets a fair shot, everyone does their fair share and everyone plays by the same set of rules," he said.Acknowledging his role as the "loyal opposition," Indiana Gov. Mitch Daniels, who delivered the GOP response, said the president "must know in his heart" that to project the state of the union as "anything but grave" is simply "not true," and he blamed the president's rigid adherence to ideology for suffocating innovation."The extremism that stifles the development of homegrown energy, or cancels a perfectly safe pipeline that would employ tens of thousands, or jacks up consumer utility bills for no improvement in either human health or world temperature, is a pro-poverty policy," Daniels said."We do not accept that ours will ever be a nation of haves and have no 
Did you know that stuff from your past like arrests; convictions, marriage and divorce licenses and other types of personal information about you can be found online? Anyone can search your name and find out if you’ve had a DUI, or other type of crime. If you want to find out what your background report says about you, then take advantage of this exclusive offer and click here now!
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� Background checks are often requested by employers on job candidates for employment screening, especially on candidates seeking a position that requires high security or a position of trust, such as in a school, hospital, financial institution, airport, and government. These checks are traditionally administered by a government agency for a nominal fee, but can also be administered by private companies. Background checks can be expensive depending on the information requested. Results of a background check typically include past employment verification, credit history, and criminal history. These checks are often used by employers as a means of objectively evaluating a job candidate's qualifications, character, fitness, and to identify potential hiring risks for safety and security reasons. Background checks are also used to thoroughly investigate potential government employees in order to be given a security clearance. However, these checks may sometimes be used for illegal purposes, such as unlawful discrimination (or employment discrimination), identity theft, and violation of privacy. Checks are frequently conducted to confirm information found on an employment application or r��sum��/curriculum vitae. One study showed that half of all reference checks done on prospective employees differed between what the job applicant provided and what the source reported.[citation needed] They may also be conducted as a way to further differentiate potential employees and pick the one the employer feels is best suited for the position. Employers have an obligation to make sure their work environment is safe for all employees and helps prevent other employment problems in the workplace.[2] FILE: July 27, 2011 A section of vacant stores in Detroit.APThe bankruptcy filing for Detroit marks a final step in the chrome-plated citys decades-long decline which started with the countrys overall manufacturing slowdown and continued with the departure of U.S. automakers and residents, leaving behind a sprawling city trying to survive on dwindling coffers.Detroit was in the 1950s a worldwide hub of auto manufacturing, making it the fourth-largest U.S. city with one of the countrys highest per-capita incomes.However, the so-called Motor Citys decline started soon after with residents -- following their counterparts in other U.S. cities starting to move to the suburbs and take with them businesses, jobs and tax dollars.Historians argue the deadly 1967 riot in Detroit, one of the many so-called race riots across the country in the 1960s, accelerated the trend.And as the population dwindled from roughly 1.8 million to 700,000, city officials struggled to keep up with municipal services in the 142-square-mile city, with a tax base just half of what it was in the 1950s.Meanwhile, auto companies began opening plants in other cities as Japan-made cars dominated the international market.By 2009, the U.S. auto industry collapsed with the entire economy, eventually pulling down Detroit with it.The citys efforts to provide and maintain such basic services as law enforcement and trash removal were further complicated by the costs of paying uni logical sister -- 8-year-old Suci."We absolutely need more calves for the population as a whole; we have to produce as many as we can as quickly as we can," said Terri Roth, who heads the zoo's Center for Research of Endangered Wildlife. "The population is in sharp decline and there's a lot of urgency around getting her pregnant."Critics of captive breeding programs say they often do more harm than good and can create animals less likely to survive in the wild. Inbreeding increases the possibility of bad genetic combinations for offspring."We don't like to do it, and long term, we really don't like to do it," Roth said, adding that the siblings' parents were genetically diverse, which is a positive for the plan. "When your species is almost gone, you just need animals and that matters more than genes right now -- these are two of the youngest, healthiest animals in the population."The parents of the three rhinos born in Cincinnati have died, but their eldest offspring, 11-year-old Andalas, was moved to a sanctuary in Indonesia where he last year became a father after mating with a wild-born rhino there.The first coordinated effort at captive breeding began in the 1980s, and about half the initial 40 breeding rhinos died without a successful pregnancy. Roth, who began working on the rhino project in 1996, said it took years just to understand their eating habits and needs and decades more to understand their mating patterns. The animal 
A dentist, also known as a 'dental surgeon', is a health care practitioner that specializes in the diagnosis, prevention, and treatment of diseases and conditions of the oral cavity. The dentist's supporting team aides in providing oral health services. The dental team includes dental assistants, dental hygienists, dental technicians, and in some states, dental therapists. this report. Link Between Bodies Found on Long Island?Analysis of evidence from remains exas with a wife and daughter," said wide receiver Roy Williams, who previously played with Hurd in Dallas."It's sad for him," said linebacker Brian Urlacher. "I'm not sure what's going on, but you never want to hear about one of your teammates, something like this happening to them. He's a good teammate. That's what I know of him. He comes to work every day and works hard. Outside of here, I don't know him very well."Hurd, a native of San Antonio who played in college at Northern Illinois, has eight catches for 109 yards this season as a backup receiver.The NewsCore contributed to this report. 
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A timeshare is a property with a particular form of ownership or use rights. These properties are typically resort condominium units, in which multiple parties hold rights to use the property, and each sharer is allotted a period of time (typically one week, and almost always the same time every year) in which they may use the property. Units may be on a partial ownership, lease, or "right to use" basis, in which the sharer holds no claim to ownership of the property.
OWN/Jenny Craig/YoutubeMariah Carey went on Rosie O'Donnell's show to talk about her weight loss and her Jenny Craig deal.The average consumer forks over between $150 to $300 a month when they sign on with a diet company that provides them with food and support in taking off unwanted flab.On the other hand, the average celebrity weight loss endorser is paid around $33,000 a pound to dump those love handles.To make sure stars lose those expensive inches, weight loss industry insiders say companies often also pay for personal trainers, dieticians, and whoever else they need to keep their spokesperson on the straight and extra-narrow.Diet companies will do whatever they can to make sure the celebrity that they hired not only looks good and loses the weight, but that the weight stays off, explains Richard Zeeb, the former Chief Marketing Officer for the diet company Medifast, currently a marketing consultant. It is very common to have personal trainers and nutrion
hen you deal with something so real and so heavy, with people who really lived through this and lost family members, it is so painful and real that it brings out a lot of kindness and love, Jolie explained.Although shes only now beginning to soak in the success of what she has managed to accomplish, the movie from start to finish seems to have spiraled from one headache to another for its world-famous screen siren. Firstly, Jolie was refused access to sound stages and studio sets owned by Serbian tycoon and media magnate eljko Mitrovi; a Bosnian official canceled the productions filming permit citing incomplete paperwork; and last week Croatian author James Braddock filed a plagiarism lawsuit against Jolie, alleging that the star stole the idea from a book he published in 2007.This week, Branislav Djukic of the Bosnian Serb Association of Camp Prisoners has called for a ban on Blood and Honey in the Serbian-run part of the country. Djukic told the Associated
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6119 Greenville Ave PMB 354
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This email was sent to you because you requested we contact you about updates and promotions. To unsubscribe, click here. | In the United States, a credit score is a number based on a statistical analysis of a person's credit files, that in theory represents the creditworthiness of that person, which is the likelihood that people will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, TransUnion, and Equifax. Income is not considered by the major credit bureaus when calculating a credit score. There are different methods of calculating credit scores. FICO, the most widely known type of credit score, is a credit score developed by FICO, previously known as Fair Isaac Corporation. It is used by many mortgage lenders that use a risk-based system to determine the possibility that the borrower may default on financial obligations to the mortgage lender. All credit scores have to be subject to availability. The credit bureaus all have their own credit scores: Equifax's ScorePower, Experian's PLUS score, and TransUnion's credit score, and each also sells the VantageScore credit score. In addition, many large lenders, including the major credit card issuers, have developed their own proprietary scoring models. Studies have shown scores to be predictive of risk in the underwriting of both credit and insurance.[15][16][17] Some studies even suggest that most consumers are the beneficiaries of lower credit costs and insurance premiums due to the use of credit scores.[16][18] New credit scores have been developed in the last decade by companies such as Scorelogix, PRBC, L2C, Innovis etc. which do not use bureau data to predict creditworthiness. Scorelogix's JSS Credit Score uses a different set of risk factors, such as the borrower's job stability, income, income sufficiency, and impact of economy, in predicting credit risk, and the use of such alternative credit scores is on the rise. These new breed of credit scores are often combined with FICO or bureau scores to improve the accuracy of predictions. Most lenders today use some combination of bureau scores and alternative credit scores to develop a better insight into their borrower's ability to pay. It is widely recognized that FICO is measure of past ability to pay and that's why new credit scores that focus more on future ability to pay are being deployed to enhance credit risk models. L2C offers an alternative credit score that uses utilities payment histories to determine creditworthiness and many lenders use this score in addition to bureau scores to make lending decisions. Many lenders use Scorelogix's JSS score in addition to bureau scores since the JSS score factors job and income stability to determine if the borrower will have the ability to repay debt in the future. It is estimated that FICO score will remain the dominant score but in all likelihood it will always be used in conjunction with other alternative credit scores which offer new layers of risk insights. the report investigating allegations of abuse dating back to 1945.The commission received some 1,800 complaints of abuse at Catholic schools, seminaries and orphanages and said that the institutions suffered from "a failure of oversight." It then conducted the broader survey of the general population for a more comprehensive analysis of the scale and nature of sexual abuse of minors -- both in the church and elsewhere.Based on a survey among more than 34,000 people, the commission estimated that one in 10 Dutch children suffered some form of abuse broadly in society. The number doubled to 20 percent of children who spent part of their youth in an institution like an orphanage or boarding school -- whether Catholic or not.The commission was set up last year under the leadership of former government minister Wim Deetman, who said there could be no doubt church leaders knew of the problem."The idea that people did not know there was a risk ... is untenable," he s aid.Deetman said abuse continued in part because the Catholic church in the Netherlands was splintered, so bishops and religious orders sometimes worked autonomously to deal with abuse and "did not hang out their dirty laundry."However, he said the commission concluded that "it is wrong to talk of a culture of silence" by the church as a whole.Bert Smeets, an abuse victim who attended the presentation of the report, said it did not go far enough in investigating and outlining in precise detail exactly what happened."What was happening was sexual abuse, violence, spiritual terror, and that should have been investigated," Smeets told The Associated Press. "It remains vague. All sorts of things happened, but nobody knows exactly what or by whom. This way they avoid responsibility."Archbishop Eijk said victims would be compensated by a commission the Dutch church set up last month and which has a scale starting at euro5,000 ($6,500) and rising to a maximum of euro 
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