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In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

The Facts On File Library of Health and Living series is comprised of clear, comprehensive, and up-to-date resources for understanding and coping with the complexities of modern health and social concerns. Written for general readers and professionals alike, each volume contains: -- An extensive A-to-Z reference section that defines the causes, cures, key research, medical terms, symptoms, treatments, and trends of each field of study -- Detailed appendixes that provide current statistical information -- Extensive bibliographies that serve as starting points for further research -- Comprehensive directories that list organizations, associations, schools, support groups, and publications readers can turn to for further information. Schizophrenia is a chronic, severe, and disabling brain disease. According to the National Institutes of Mental Health, approximately one percent of the population develops schizophrenia during their lifetime. More than two million Americans suffer from the illness in a given year. Current research is unraveling the complex causes of this disease and leading to new and safer medications for its treatment. The Encyclopedia of Schizophrenia and Other Psychotic Disorders, Second Edition combines, in one volume, all the latest theories and research findings with a complete overview of the field's history. With more than 600 entries, it covers clinical and diagnostic terms, major theorists and researchers, archaic terms and treatments, prevalence rates for schizophrenia around the world, and more.

Adjustable rate mortgage - An adjustable rate mortgage or variable rate mortgage is a loan secured on a property (house) whose interest rate and so monthly repayment vary over time. Other forms of mortgage loan include interest only mortgage, fixed rate mortgage, Negative amortization mortgage, discounted rate mortgage and balloon payment mortgage.

List of wars 2003–current - List of wars - List of wars before 1000 - List of wars 1000–1499 - List of wars 1500–1799 - List of wars 1800–1899 - List of wars 1900–1944 - List of wars 1945–1989 - List of wars 1990–2002- List of wars 2003–current - Ongoing wars

List of battles 2001-current - List of battles - List of battles before 601 - List of battles 601-1400 - List of battles 1401-1800 - List of battles 1801-1900 - List of battles 1901-2000 - List of battles 2001-current

List of current MLS players - This is a list of current Major League Soccer players (as of August 15 2005). For a list of current MLS coaches, see here.

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