Mark Zandi

The average credit score of today's FHA borrowers is higher than the average American household with a score. As it becomes more costly and difficult to get a FHA loan, loans from private mortgage lenders will become more attractive and their market share will grow.

An independent state does not pay too dear a price for its independence in accepting the sufferings of war when it cannot avoid them; a state which has lost its independence may find at least some compensation in the fact that its protector procures for it peace with its neighbours.

It has been said that love is a function of communication. I believe that to be true. I believe, by extension, that human understanding is a function of communication. And the better human beings understand one another, the higher the level of functioning.