Building evaluation for property Assignment Example | Topics and Well Written Essays - 1500 words

Building evaluation for property - Assignment Example After the establishment and development of the housing schemes, then comes a major process of its sustainability and maintenance works. To understand and improve the lifespan of these houses we must look into the defects and their causes which affect the quality of these structures. Consequently we have to resolve these faults using alternative construction methods or usage of substitute materials. The majority of the problems occur in two phases of the constructions of the facilities which are the planning or design phase and the other is faulty construction. 1.2 Common residential building faults and causes According to the research made by Building Research Establishment(BRE) and in its report suggested the major faults which occur in the key building elements. The top five places of faults in the structure are external walls with a fault attribution percentage of 20%, second comes the Roofs with 19%, then windows and doors contributes 13% of the faults, then floors 11% and servic es 9%. Where as Sub-structure, Planning and layout and Internal partitions come down the list. Later according to same BRE Advisory Service (Trotman P) and based on its database of building defects its came to a conclusion that the five major building faults are Rain penetration with a magnitude of 22%, then comes Condensation with 17%, Cracking 16%, Detachment 13% and lastly Entrapped water with 6%. Whereas Flooring, Appearance/discolouration/surface defects and Rising damp are also included in the list. All the above data is being collected and analyzed by the building research establishment and the ministry of housing of Australian government. 1.3 Solutions to the major issues As mentioned earlier that the issues arise by certain processes and at particular points in the structure, mentioned as the â€Å"key building elements†. Now any approach to remedy these issues would be directly in accordance with the working and durability of these key building elements. As mentione d before the worst process that damages the building is the water or rain penetration, now the source can be any place where water gathers these areas mainly includes Roof, buried/concealed pipes, external walls, windows, bathrooms, kitchens and many other places( common drains, underground drains, etc). This discussion will also cover the entrapment of water as well, which is also considered to be a defect of large impact. The next target is the solution of the problem, which can be done by mainly two activities prevention from water leakage and effective drainage system. The first element we will cover is the roof, where firstly drainage is of vital importance which must be acquired by good workman ship in which a suitable gradient must be provided, appropriate type and adequate thickness of waterproofing material, overlapping of material at joints, upturn from boundary walls and downturn towards the drains. Then comes the next key element the external wall where the source of def ect are at sleeves, deep cracks, honey comb, holes due to sub standard concrete and faulty construction. Where as the solutions are filling the cracks with chemical injections and replacing with new water proofing mortar where unavoidable. Whereas the special paints and weather proofing

Aeromodel Guidelines Essay Example for Free

Aeromodel Guidelines Essay Since the dihedral angles vary from model to model, bend the wing upward until the angle is identical to the angle indicated in the assembly instructions for the particular model When gluing the main wing and horizontal stabilizer to the fuselage, make sure that the center line is properly aligned lengthwise with the center of the fuselage. You will find that if you glue the stabilizer onto the fuselage before gluing the main wing onto the fuselage, assembly will be much easier. the Challenge Ahead! Meeting SAEINDIA Student Activities Student Convention Enjoy Learn and align with Curriculum September 2008 Paper Wings Guidelines The importance of gluing the main wing firmly to the fuselage cannot be overemphasized. In order not to leave any gap between the main wing and the body, press down firmly on the center of the main wing about 5 – 6 minutes after gluing. After gluing the main wing and stabilizer onto the fuselage, let it dry thoroughly for 3 – 4 hours. Finishing Touches To make a truly high performance plane, it is important that the cross section of the main wing be curved in such a fashion as to minimize drag, or air resistance, and maximize lift, the upward draft of air. To make the proper curve, bend the main wing slightly in the manner shown in the figure (this is called cambering the wing). This shape is necessary for top performance. Use the figure on the right as a guide to give an appropriate camber to the main wing. The maximum camber point should be between a distance of 30% and 40% from the front edge of the main wing. Only the main wing is to be cambered. The stabilizer should be left flat. Placing the dihedral angle gauge on the middle of the wing, once again make sure that the dihedral angle is the required one. To test to see if the center of gravity is properly aligned or not, take an open pair of scissors or tweezers and balance the plain on the two tips at the mark as shown in the figure. All the planes in the Heritage series are designed to have the center of gravity located at the mark. In some cases, however, due to an excess of glue or lacquer on the plane, your may find that the center of gravity is not properly located at the mark. When this the Challenge Ahead! Meeting SAEINDIA Student Activities SAE Page 6 of 31 SAEINDIA SAE Student Convention Enjoy Learn and align with Curriculum September 2008 Paper Wings Guidelines Happens, it becomes necessary to add some additional weight. To do so, attach a small scrap of the remaining white wings paper lightly to either side of the plane nose or the rear of the fuselage and secure it temporarily with a small amount of glue. Vary the position or size of the attached paper until the center of gravity is located properly and then glue the attached paper firmly to the fuselage. The center of gravity should be located within 1 mm (1/24†) of the mark. If your paper plane is coated with lacquer, it will become water resistant. Therefore when it lands on wet grass, if you quickly wipe the water off with a soft cloth, you are ready for another flight for preserving the beauty of the white paper, clear lacquer is good, but if your want your plane to be a different colour, your can use colored lacquer. It doesn’t matter whether you spray it on or paint it on with a brush, but in order to keep the plane light and preserve its balance and center of gravity, be careful to coat the plane as thinly and evenly as possible. 2. Flight Instructions One of the secrets of flying a paper plane well is to view the plane closely from ahead on position and straighter out all warps, bends or twists with your fingers. Inspect your plane thoroughly from the front: (1) Is the fuselage bent? (2) Are both the right and left main wings straight, perfectly matched and are both inclined at the same angle? (3) Is the horizontal stabilizer warped or bent? (4) Is the vertical stabilizer warped or bent? the Challenge Ahead!

Literature Supports Trigger-Dispersion Theory :: Biology Essays Research Papers

Literature Supports Trigger-Dispersion Theory Having seen epileptic seizures and talking qualitatively about the experience with people who have epilepsy, I made five basic hypotheses about epilepsy. I collectively call these hypotheses my trigger dispersion theory of epilepsy. My five hypotheses are: 1 There is an area in the brain where abnormal firing associated with seizures begins. I will call this area the trigger area. From the trigger area, abnormal firing spreads to other areas of the brain compromising the function of the affected area. 2 There is a stimulus either external or internal which excites the trigger area. I will call this stimulus the trigger. The trigger can be very specific. 3 The first area affected after the trigger area is sensory. 4 The abnormal firing spreads from the sensory area to an area for motor control. In this paper, I will go through the hypotheses of the trigger-dispersion theory and discuss literature that supports each hypothesis. Hypothesis 1- There is an area in the brain where abnormal firing associated with seizures begins. I will call this area the trigger area. From the trigger area, abnormal firing spreads to other areas of the brain compromising the function of the affected area. During a seizure, certain cells (a seizure focus) begin to fire rapidly. In fact, nerve cells in the brain fire electrical impulses at a rate of up to four times higher than normal during a seizure (5) . This abnormal firing is spread this to other neighboring cells. In the brain of an epileptic, there is not enough inhibitory neurotransmitters to stop the spread of the abnormal firing (2) . In the 1800s, it was noted by Jackson that epileptic seizures begin in isolated parts of the body such as the thumb and from there spread to neighboring regions perhaps the arm and then to the rest of the body. He hypothesized that there were areas in cerebral cortex that controlled isolated movements and that the areas that were adjacent in the brain were anatomically adjacent as well. Therefore, a seizure began in one area and spread to the rest of the cortex. His hypothesis was later substantiated by Fritsch and Hittig's excitation experiments on motor cortex or area 4. It is a band of neural tissue on the cerebral cortex lying on precentral fissure. The body's movements are mapped out on this band giving rise to the spreading fashion that Jackson described during seizures (6) .

Method of Radical Doubt

The method of doubt that is used to attain certainty was formulated by famous Western philosopher Rene Descartes (Burnham & Fieser). It was initially formulated to be a method for religion, science, and epistemology (Burnham & Fieser). He lived in the 16th to 17th century, and created works on mathematics and physics (Burnham & Fieser). His method of radical or hyperbolic doubt was a product of his being a radical skeptic. This position means that Descartes did not readily accept anything as true. Moreover, he did not immediately classify anything as knowledge. Thus, contrary to the inclinations of philosophers and thinkers of his time, he never believed in anything unless they passed his test of indubitability (Burnham & Fieser). Descartes vehemently denied the prevailing concepts of his time, as put forward by the Aristotelian, Scholastic, and Medieval traditions (Burnham & Fieser). This gave birth to his determination to be a radical skeptic, which for him allowed him to start anew in his quest for a philosophical foundation (Burnham & Fieser). However, it is important to note that Descartes’ radical skepticism is different from the position of other skeptics, which is doubting for the sake of doubting. Feature Article Relative Rates:  Free-Radical Bromination Being a radical skeptic, Descartes desperately searched for true knowledge (Burnham & Fieser). For him, knowledge is based on truth and indubitability (Burnham & Fieser). A certain proposition would only be accepted as knowledge if it were true and does not entertain doubt (Burnham & Fieser). For example, one’s knowledge of a table is brought about by his belief that it is true and real. Descartes formulated a criteria of knowledge based on clarity and distinctness, which gives a person confidence in his determination of whether a statement is worthy of being accepted as true knowledge (Burnham & Fieser). Descartes’ radical skepticism is characterized by his comprehensive rejection of the reliability of accepting ideas as truth or knowledge (Burnham & Fieser). He is known for the wide-ranging premise that truth is not represented by a person’s ideas (Burnham & Fieser). For him, ideas cannot be automatically classified as truth (Burnham & Fieser). Quite the contrary, ideas obscure a person’s perception of the truth. (Burnham & Fieser). Thus Descartes rejected all ideas that are susceptible to doubt. In this connection, he likewise excluded mere wishes or opinions from real knowledge (Burnham & Fieser). For him, such dubitable ideas could not serve the purpose of determining the foundation for philosophy or knowledge (Burnham & Fieser). Descartes’ method of hyperbolic doubt was explained in detail in his work published in 1641, entitled Meditations on First Philosophy, wherein he discussed issues regarding the existence of God and the distinction between mind and body (Burnham & Fieser). In this book, Descartes concluded that there is at least a doubting being whose existence is independent of its body; namely, himself (Burnham & Fieser, 2006). Descartes’ method of hyperbolic doubt consists of several stages (Burnham & Fieser). First, it involves the identification of a class of knowledge that is unreliable because it is not credible (Burnham & Fieser). This class of knowledge refers to sensory information, or those gathered from sensory stimuli (Burnham & Fieser). Descartes’ choice of doubting sensory knowledge is based on his stand that sensory knowledge has been known for failing in the past (Burnham & Fieser). Furthermore, Descartes claims that there is a distinct possibility that it will still fail in the future. Moreover, he referred to optical illusions, which are sensory knowledge that is based on deception. They make a person believe that his perceptions differ from what truly exists in the world (Burnham & Fieser. For Descartes, therefore, sensory knowledge cannot be trusted. Descartes next subjected his own ideas to radical doubt (Burnham & Fieser). This he did by imagining that there exists a God who deceives him into thinking his thought, beliefs, and perceptions. (Burnham & Fieser, 2006). However, due to Descartes’ strong belief in God, he later replaced the idea of God as the deceiver to avoid disagreeing with his Christian belief, and conjured the idea of a malevolent demon who deceives him (Burnham & Fieser). Under this test, Descartes was able to conclude that even his own ideas cannot be trusted because they can still be doubted, since they could have been implanted in his mind by the malevolent demon (Burnham & Fieser). Finally, Descartes settled with the conclusion that he exists (Burnham & Fieser). This conclusion he reached through mental intuition, because he noticed that there were statements that are presented to his mind with sufficient clarity and distinctness that there is no reason to doubt them (Burnham & Fieser). This gave rise to his famous phrase, â€Å"I think therefore I am,† or â€Å"Cogito ergo sum (Burnham & Fieser).† This cannot be doubted, because the fact that he doubts shows that there is an existing entity who performs the doubting (Burnham & Fieser). If he did not exist in the first place, then there is no being whom the malevolent demon would be deceiving (Burnham & Fieser).  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In sum, Descartes arrived at one conclusion using his method of radical doubt. This conclusion is that it is the indubitable truth that he is a thinking entity that exists (Burnham & Fieser). Works Cited Burnham, D. & Fieser, J. â€Å"Renà © Descartes (1596-1650).† The Internet Encyclopedia of   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Philosophy. 2006. 1 Apr. 2007 .      

Philip Crosby Essay

Philip Crosby was born on June 18th, 1926. He was a successful businessman and a famous author who added so much to the practice of quality management and also the management theory. Philip Crosby started the Zero defect plan at the company in Orlando Florida which was the Martin Company. As manager of Quality control at a program of Pershing Missile, Philip Crosby was accredited with a 25% decline in the general rate of rejection and a 30% rate of decline in the costs of scrap. After working at ITT, Philip opened a management consultancy firm in 1979 and naming it Philip Crosby Association. His consultancy firm offered quality management educational courses at the head office in Winter Park, Florida and also at 8 overseas locations. Later in 1979 Philip Crosby published his very first book based on business, Quality is free. This book became an instant hit due to the severe problems in the North American Quality.   Through out the 1970s and 80s the manufacturers of North America were losing ground on the market share to the products of Japan only because the quality of the japenese products were much better then the North American Products. The reply to the quality problem by Philip Crosby was the rule of DIRFT (doing it right the first time). Later he added 4 more essential principles Conformance to neccessities is the true meaning of quality Avoidance is the structure of quality Zero defects is the standard of performance The cost of nonconformance is the size of quality (SkyMark, 2007) The recommendation of improving quality by Philip Crosby was a program of fourteen steps. His conviction was that a corporation which initiates a quality maintaining program will definitely see more saving rather than paying off the quality program cost. Fourteen Steps to Improve Quality The organization is dedicated to maintain quality Make teams who improve quality. Bring all senior managers from different departments. Evaluate processes to decide potential and current issues of quality. Evaluate the price of poor quality Lift the awareness of quality among all of the employees Take necessary action to correct the issues of quality Check quality improvement progress. Make a committee to check zero defects. Teach the managers in improving quality Have days of zero defects Support the workers to initiate their own goals of improving quality Support the communication among employees with the senior managers about the barriers to quality Be familiar with the effort of the participants Make councils of quality Do it again. Improving quality never stops. The Approach of Philip Crosby widened as he included new improvement ideals. He talks about the 5 different traits of a successful company Normally people do things correctly the first time Change is predictable and is used as a benefit Growth is steady and beneficial Fresh services and products emerge when required All of the workers are pleased to work. (Philip Crosby, 1995) In the approach of Philip Crosby, the message of Quality Improvement needs to be spread by making a hub of quality experts in the organization. He strongly emphasized on the approach of top-down, as he thought that the upper management is mainly responsible to improve and maintain quality.   The main aim is to teach the staff and offer them the quality improving tools and to apply the fundamental principle of Prevention Management in each and every part. He Died on August 18, 2001. (Winter Park Public Library) Bibliography SkyMark (2007) Philip Crosby: The Fun Uncle of the Quality Revolution. http://www.skymark.com/resources/leaders/crosby.asp Philip Crosby (1995) Philip Crosby’s Reflections on Quality: 295 Inspirations from the World’s Foremost Quality Guru, Publisher: McGraw-Hill; 1 edition Winter Park Public Library, the Philip Crosby Collection. http://www.wppl.org/wphistory/PhilipCrosby/index.html =

what is modern music3 essays

what is modern music3 essays The most important thing that was expressed about the definition of modern music is that the degree of modernism depends on the experience and taste of those whom are listening. This means that each person can have vastly different views on which musicians and what styles are considered modern, because the critique of all arts is merely opinion. The definition for modern in a dictionary is anything within the present. When discussing music the essay emphasized that modern music has other qualities than newness alone. To be considered modern music, it needs to alter in a varying degree from the traditions in material and in the style; it departs from previous conventions. In much of the essay, it is shown that modern music often experiences opposition. In the past, and even still the present, society and the music world initially reject modern music. In the essay music is described as a living language. When modern music is born it can also be considered as new way of expressing a new language. Music evolves just as language does. In the context of music, the grammar used in modern music is its harmony, melody, and rhythm that break all rules. Modern music uses foreign words and expressions that portray the ever-changing environment. There are many styles of music today that can fit the description of modern music. New Age, which often uses sounds of nature to create a melody, clearly has an original style. Hip-hop music is a fairly new form of expression, and when it first began it was rejected and misunderstood by the public. More recent, as it has become more accepted in society and the pace of rhythmic change is quickly altering, for the demand of the listeners. The style of jazz music has also changed a great deal compared to when first born. I feel that modern Jazz as opposed to old jazz is a good example of a new expression of a society in which we live. Lastly, techno, which is a fairly n...

Ameriquest Essays

Ameriquest Essays Ameriquest Essay Ameriquest Essay Ameriquest: Socially Responsible or Reprehensible? Ameriquest, a private sub-prime mortgage lender, considers itself â€Å"the proud sponsor of the American Dream†, but many consumers and former employees of Ameriquest feel otherwise, as they tell nightmarish stories of deception. The company is one of the nation’s leading private sub-prime lenders. Originally known as a bank named Long Beach Savings and Loan, Ameriquest has undergone significant change since its 1979 inception. The company moved its corporate office to Orange County in 1991, where it became a pure mortgage lender and changed their name to Long Beach Mortgage Company in 1994. In 1997 the company split in two, and the retail portion of the business became what is now known as Ameriquest. (Wikipedia) Ameriquest has had its share of ups and downs throughout its transformation, including some major lawsuits, forcing the company to change their lending guidelines, and exposing some potentially dangerous practices of the company. Most recently Ameriquest has been in the media for the company’s restructuring of their workforce, which has resulted in a series of layoffs totaling nearly 9,000 workers. (Job Cuts Totaling 3,000 at ACC? Ameriquest has had many customer complaints for allegedly deceiving customers, and conducting predatory lending practices. These allegations led to a $325 million settlement agreed to by Ameriquest, as well as a new set of â€Å"best practices† the company was forced to implement. The Washington Post reported, â€Å"State prosecutors and lending regulators in 49 states and the District [of Columbia] have reached a wide ranging $325 million settlement with Ameriquest Mortgage Company, the nation’s largest lender to home loan borrowers with poor credit to resolve allegations that the company defrauded and mislead consumers. It is the second largest consumer protection settlement in U. S. history, following the $484 million predatory lending agreement reached in 2002 with Household Finance Corp. † (Downey) Ameriquest, being a large non-prime lender, stands on principles of helping groups of people who otherwise may not have the opportunity to be a homeowner, such as those with not so perfect credit, minorities, and lower income borrowers, realize the dream of homeownership. Affording Americans the opportunity to achieve such a large dream is very admirable; be that as it may many American families feel that Ameriquest has done just the opposite. A simple Google search yields several results of consumer complaints on sites such as ripoffreport. com and consumeraffairs. com, as well as articles reporting predatory lending claims and employee complaints about the huge company. Tony of Stanwood, WA story is one of many on consumeraffairs. com, as Tony claims Ameriquest made false promises, lied about pre-pay penalties, charged him hidden fees, misquoted him the rate for his adjustable rate mortgage, purposely held payment to make them late, and charged late fees on payments which were on time. Due to this negative experience Tony states â€Å"I have been lied to, screwed over etc. like everyone else doing business with this company. I will refi no matter what the fees to get out from under them. † (consumeraffairs. com) Consumers are not the only ones who have lodged complaints about the company. Although Ameriquest offers an attractive salary and benefits package to employees, Ameriquest has received complaints from employees for allegedly forcing employees to commit misdeeds and fraud, as well as to work long hours in a very highly pressure work environment. Ameriquest has been named in a class action lawsuit claiming the company did not fairly compensate loan officers for overtime pay (Bergquist). The tremendous amount of pressure put on loan officers may be an explanation for so many complaints of deceit. Former employees Mark Bomchill and Lisa Taylor recalled extreme pressures to boost loan volume by any means necessary. â€Å"It was so out of hand, I was juggling 10 to 15 loans each month, says Bomchill, who now works as a loan consultant at Plymouth Minn. based All State Residential Mortgage. â€Å"And there were guys in my office doing two to three times as I was. No one ever thought to question whether [the loan] was right for the customer or the lender. It was just do the deal and move on to the next. † But Bomchill claims the high volume of loans he was working on during his one year of tenor at Ameriquest never proved to be quite enough. â€Å"Even though he and others in his office were closing more than 80 loans every month, it wasn’t enough to satiate upper management. ‘Every day my boss would scream and yell at us to make more calls, solicit more suckers,’ he says. ‘He was a tyrant. It never ended. † The work environment for the branch employees are often compared to the Hollywood movie boiler room. â€Å"Lisa Taylor, a former Ameriquest loan agent says the atmosphere in her office was very similar to the environment portrayed in the 2000 movie Boiler Room starring Giovanni Ribisi and Vin Diesel. In fact, one manager used the film as a teaching model. According to Taylor, promoting the anything-t o-get-the-deal mentality resulted in abuses. One-time she says she walked in on co-workers using a brightly lit Coca-Cola vending machine as a tracing board where loan agents were copying borrower’s signatures onto blank documents. (Barrett and Carr) This is not the only story of fraudulent practices occurring by former employees of Ameriquest, Chris Arnold of NPR News reported â€Å"some former employees of the nation’s leading sub-prime lender say the company encouraged them to conceal rate terms and make fake fixed-loan documents that pushed customers into loans they couldn’t afford. † (Arnold) It is obvious that there is a lasting effect on the customers and employees who were subjected to the alleged acts of this mortgage giant, but what about the repercussions on the economy? How is the economy affected by all of the loans that may have been made in bad faith by a company possibly practicing as a predatory lender? Foreclosures are expected to rise significantly, and affect the economy. â€Å"On a national level, rising sub prime mortgage foreclosures are sure to have a ripple effect. What the effect will be is a matter for debate – but at least one analyst thinks we’ve only seen the tip of the iceberg. Professor Cathy Lesser Mansfield of Drake University Law School has studied default and foreclosure rates in the sub prime mortgage industry. Mansfield tells Michelle Norris that she expects more foreclosures and defaults on loans to have a ripple effect on home values in affected neighborhoods – and the ability for families to pay for other basic needs. †(Norris) According to Jack Speer of NPR News â€Å"efforts are under way on several fronts to forestall a wave of home foreclosures due to problems in the mortgage market. Legislative solutions are one option, but non profits and many smaller lenders are also stepping up efforts to help borrowers. (Speer) Although there have been many reports of the negative effect of Ameriquest’ practices, Ameriquest does make many efforts to contribute to the communities which they serve. Ameriquest has been a large contributor to many charities which benefit children, and a large proponent of financial education. Ameriquest has designed several unique programs to give back, such as the Create Your Legacy Program, Dream saver, S. A. F. E. , and the Affordable Homeow nership Program. Ameriquest has also contributed to victims of Hurricane Katrina thorough their Gulf Coast Rebuilding Fund. Ameriquest employees have participated in building homes on the Gulf Coast, as well as building homes throughout the nation with Habitat for Humanity, as well as local playgrounds with Kaboom through its league of volunteers program. (ameriquestcares. com) Roland Arnall, owner of Ameriquest, is known as a philanthropist and large political contributor. Arnall has been named Ambassador to the Netherlands. While charity may be a high priority of Ameriquest, the damage done to consumers, employees, and the economy outweighs the positive factors of the company. Ameriquest has not proved to be socially responsible, and will require a change in company culture, as well as a strong customer relationship management program to become a socially responsible company. The Best Practices which were implemented by the company after the Jan 2006 lawsuit is a start, but a change of this magnitude requires a true change in the company’s philosophy. The company motto Do the Right Thing† and â€Å"Continuous Improvement† must become more than simply words, and turn into actions. Ameriquest Mortgage. Wikipedia, The Free Encyclopedia. Apr 2007, 21:40 UTC. Wikimedia Foundation, Inc. 22 May 2007 http://en. wikipedia. org/w/index. php? title=Ameriquest_Mortgageoldid=121055539. Arnold , Chris. Former Ameriquest Workers Tell of Deception. npr. org. 14 May 2007. 22 May 2007 Barrett, Larry and David Carr. Ameriquest Mortgage: Risky Business, Risky Practices. Baseline 09 Sep 2005 19 May 2007 baselinemag. com/print_article2/0,1217,a=159568,0 0. asp. Bergquist, Erick. Loan Officers Seeking Overtime Pay in Suits. American Banker 171. 16 (2006): 3. Business Source Premier. 2 May 2007. http://search. ebscohost. com. Downey, Kristin. Mortgage Lender Settles Lawsuit. Washington Post 24 Jan 2006 19 May 2007 C:Documents and SettingsOwnerMy DocumentsMortgage Lender Settles Lawsuit washingtonpost_com. mht. JOB CUTS TOTALING 3,000 AT ACC?. National Mortgage News 31. 25 (2007): 2-2. Business Source Premier. 22 May 2007. http://search. ebscohost. com. Norris, Michelle. Foreclosures May Weaken Home Prices, Spending. npr. org. 10 Apr 2007. 19 May 2007 npr. org/templates/story/story. php? storyId=9501422.