🔥👉 What would happen if the US adopted a mortgage stress test like Canada?

What would happen if the US adopted a mortgage stress test like Canada?

"✅👉 If the United States adopted a mortgage stress test like Canada, it would likely lead to fewer people being approved for mortgages. This would then lead to fewer people buying homes, which would in turn lead to a decrease in home prices."

Prof. Ruth Gleason

Do silly ideas correlate to high IQ? Or low IQ?

There is no definitive answer to this question as different people may have different opinions on what constitutes a "silly idea." However, it is generally accepted that people with higher IQs are more likely to come up with creative and innovative ideas, while people with lower IQs may be more likely to come up with ideas that are considered to be silly or foolish.

Can we add two fractions together to get an equivalent value?


How can you tell the difference between a pundit and a journalist? (watch link in video)

A pundit is someone who gives their opinion on something, often in a forceful or controversial way. A journalist is someone who reports on events, often without giving their opinion.

Do you think Cuomo, if he decided to resign over the allegations placed against him, would make him look guilty?

Yes, if Cuomo decided to resign over the allegations placed against him, it would make him look guilty.

You are offered $1000 a day tax free, but you must always be in the company of a crying peacock. What would you do to manage the noise?

If I were offered $1000 a day tax free to always be in the company of a crying peacock, I would try to manage the noise by creating a peaceful and quiet environment for the peacock. This would include providing the peacock with a comfortable area to rest, along with some privacy. I would also try to minimize any loud noises or stimuli that could potentially upset the peacock.

Can base Thor hurt a celestial?

There is no clear answer, as the power of Thor and other Asgardians is greatly dependent on their enchanted weapons and abilities. It is possible that Thor could hurt a celestial being, but it would likely require a direct hit from Mjolnir or another powerful Asgardian weapon.

Which bicycle would you buy if money was no object?

I would buy a Specialized Epic mountain bike. It is a high-end bike that is used by professional mountain bikers.

What do you think the statement “All philosophy since Plato consists of footnotes” means?

This statement means that all philosophy since Plato has been inspired or influenced by Plato's ideas in some way.

Does an Afghan citizen traveling to Brazil from India needs a transit visa to stop few hours in Dubai airport?

Yes, Afghan citizens traveling to Brazil from India need a transit visa to stop in Dubai airport because they are not eligible for visa-free transit through the United Arab Emirates.

Can I use turpentine diluted in water (one cap in the whole bucket of water) to clean the floors and to get rid of insects?

While this could work as an insecticide, it would not be a good idea to use turpentine to clean your floors. Turpentine is a very strong solvent and could damage your floors.

How can I read Sanskrit?

There is no one answer to this question, as there is no one way to read Sanskrit. However, some tips on how to read Sanskrit text can include using a Sanskrit dictionary, or learning the alphabet and grammar of the language. Additionally, it can be helpful to find a tutor or online resources to help with pronunciation and understanding the script.

How do you make bubble lights?

To make bubble lights, you will need:

-a plastic or glass bottle with a narrow neck

-a piece of wire

-a small candle

-vegetable oil

-food coloring

-a bowl of water

-a dark room

First, light the candle and let it burn for a few minutes. Then, blow out the flame and carefully dip the end of the wire into the hot wax. Next, wave the wire around inside the bottle to coat the inside with a thin layer of wax. Finally, pour vegetable oil into the bowl of water and add a few drops of food coloring. Carefully dip the neck of the bottle into the colored water and watch as the bubbles rise and fill the bottle with light!

Is it possible to be allergic to a smell?

It is possible to be allergic to a smell.

What are some great books? Be articulated and explaining yourself so others can understand.

The Catcher in the Rye, The Great Gatsby, To Kill a Mockingbird, 1984

How can a loser become a winner when nobody has any expectations from him/her?

This is a difficult question. One way to become a winner when nobody has any expectations from him/her is to set high standards for oneself and then exceed those standards. Another way is to associate with people who have high expectations and who will help hold him/her accountable to those expectations. Finally, he/she could try to find a role model or inspiration to help guide him/her in becoming a winner.

How can I become friends with someone on Facebook if there's no "friend request" button?

If you can't see the Add Friend button, it's likely that the person has their privacy settings set so that only friends can see the Add Friend button.

Can climate change simple innovations be financed? And if so through which mechanism?

There are a number of mechanisms through which climate change simple innovations can be financed. One option is for governments to provide funding through grants or loans. Another possibility is for companies or individuals to invest in climate change simple innovations through carbon offsets or other voluntary programs. Finally, climate change simple innovations can also be financed through the sale of carbon credits or other emissions trading schemes.

How do I join social media on BitLife?

Go to the BitLife website and click on the social media icons in the top right corner.

Do trauma and bad life experiences play a role in the choice of getting a tattoo? Is it a way to calm unconscious anxiety from the past?

There is no definitive answer to this question. Some people may get a tattoo as a way to deal with trauma or anxiety, while others may get a tattoo simply because they like the way it looks.

How do I do Ghusl of Janabat and Hayd?

There is a specific order that must be followed when performing ghusl. First, one must make sure that all the najis (impure) things are removed from their body and clothes. Once the body and clothes are clean, one can then proceed to perform wudhu. After wudhu is completed, one can then begin the ghusl.

The following steps should be followed when performing ghusl of janabat:

1. Remove any clothing or covering that is impure.

2. Perform wudhu.

3. Pour water over the entire body, starting from the head and working down to the feet.

4. Rub the entire body with both hands to ensure that every part of the body is properly cleansed.

5. Rinse off the soap or detergent completely.

6. Once again, pour water over the entire body, starting from the head and working down to the feet.

7. Dry off the body with a clean towel or cloth.

How could Moses have been chosen of God to oppose the false gods of Egypt after spending 40 years with a Midianite family who worshipped a false god?

Even though Moses spent 40 years with a Midianite family who worshipped a false god, he could have still been chosen of God to oppose the false gods of Egypt. It's possible that Moses never fully adopted the Midianite religion, or that he eventually came to see the error of their ways. Alternatively, God may have simply chosen Moses because He knew that he would be a faithful servant, despite his past.

Is religion a major obstacle towards the progress of science?

No, religion is not a major obstacle towards the progress of science.

Do your "adventurer friends" in Final Fantasy XIV also have the Echo and Hydaelyn's protection?

Yes, many of the players who identify themselves as "adventurers" in Final Fantasy XIV also have the Echo and Hydaelyn's protection. While there are some who do not believe in the gods or have no interest in their protection, the majority of adventurers seem to seek out and appreciate the divine intervention of the two goddesses.

Has Mr. Adityanath Yogi, CM, UP effectively sealed the election winning prospects of many opposition leaders by virtue of his excellent work?

There is no definitive answer to this question. Mr. Adityanath Yogi's work as Chief Minister of Uttar Pradesh may have positively affected the election prospects of some opposition leaders, but it is impossible to say definitively whether or not it has had a significant impact overall.

How to size pass transistor in voltage regulator?

The pass transistor in a voltage regulator can be sized according to the amount of current that needs to be regulated. The transistor should be able to handle the maximum amount of current that will flow through it.

What is the best way to turn $600,000 into a steady and reliable income stream?

The best way to turn $600,000 into a steady and reliable income stream would be to invest in a mix of stocks, bonds, and cash equivalents.

How would you finish this statement; I would like our leaders to ________________?

offer more support to small businesses

Was Naruto holding back against Sasuke during their first fight in the vote?

There is no definite answer, but it is possible that Naruto was holding back against Sasuke during their first fight in the vote.

How do you tell if someone truly did an engine swap?

The best way to tell if someone did an engine swap is to look for physical evidence in the engine bay. Swapped engines will often have different mounts than the original engine, and the wiring harness may be crudely extended or missing entirely. You can also check the vehicle's service history to see if there are any records of an engine swap.

Why did Da Valera claim that “If an attack came to Ireland by a power other than Great Britain; in her own interest Great Britain must help Ireland repel it”? Why did he think the British had to defend the Irish?

At the time, Da Valera was the President of the Irish Republic and was seeking assistance from the British in order to protect his country from outside forces. He believed that it was in the British government's best interest to help defend Ireland, as an attack on the Irish Republic would be seen as an attack on British soil.

How is it mental illness when schizophrenics say they hear voices in their head? Wouldn't that just be thinking?

Mental illness is a general term for a variety of mental health conditions. "Hearing voices in your head" is a symptom that can be associated with several different mental illnesses, including schizophrenia. Mental illness is a medical condition that is characterized by changes in mood, thought, or behavior.

Now that we have seen all 7 seasons of Game of Thrones, how will they defeat the Night King’s army as the wall has fallen?

If the books are anything to go by, it is possible that they will use dragonglass or perhaps even wildfire to destroy the wights.

Do babies snore?

While it is not common, some babies do snore. If your baby is snoring, it could be a sign of a medical condition such as pediatric sleep apnea, which can be serious. If your baby is snoring, you should talk to your doctor.

How much does a pellet mill cost?

- Google Sites

How much does a pellet mill cost? Main article ... Often times you are caught wondering what is The Best Pellet Mill? We cover the possibilities (and realities) so why ...

Before changing his name to Luke Cage, what was Cage's name?

Carl Lucas

I’m thinking about moving to the Netherlands. My daughter is in STD 9 and looking for an international school. Can you guide me to a school and accommodations indicators near Zuidas?

As we cannot provide personalised advice on this forum, we would urge you to get in touch with our Advising and Support team who will be able to offer more specific guidance: https://www.theinternationalschool.nl/admissions/advice-and-support/

Has Japan made any apology to the damage and violence that it brought to the Philippines in the Second World War? Why do Filipinos seems to be people who easily forgive compared to the Chinese and Koreans who still carry that bitter memory?

The Philippines and Japan have had a complicated relationship since World War II. The Philippines was a colony of Japan during the war, and many Filipinos experienced Japanese brutality firsthand. After the war, the Philippines was an important ally of the United States in the Cold War, and Japan was an important economic partner. However, there has never been a formal apology from the Japanese government for its actions during the war. Some Filipinos have forgiven Japan and moved on, but many still carry the scars of that period.

How is it possible for term life insurance quotes to be so low? Based on my calculations, a typical 70 year old male would only pay in $120k total for a 10 year $1 million policy, but he'd have a 25% chance of dying. So how do insurers make money?

There are a few things to keep in mind when trying to understand why term life insurance quotes are relatively low. The most important thing to remember is that insurance companies are in the business of managing risk. They take in premiums from policyholders and then invest those premiums in a way that will allow them to pay out claims when they come in. The key to making money in the insurance business is to make sure that you bring in more in premiums than you have to pay out in claims.

There are a few other factors that play into why term life insurance quotes are relatively low. One of them has to do with the fact that most people who purchase term life insurance never actually end up making a claim. This means that for every person who does die and whose family makes a claim, there are many more people who have been paying into the system but never needed to make a claim. This helps to offset the costs of the people who do need to make a claim. Another factor is that insurance companies are very good at pricing risk. They use sophisticated actuarial tables to calculate how likely it is that someone will die within a given time frame, and they use this information to help set premiums.

In short, while it may seem like insurance companies are taking a big risk by offering low-cost term life insurance, they are actually using a variety of factors to help offset that risk and ensure that they will still make a profit.

What is the ideal diet for anxious people? Is the food pyramid wrong?

There is no definitive answer to this question, as everyone's body and chemistry is different and therefore will respond to different types of foods in different ways. However, some experts believe that an anxious person's ideal diet would include plenty of fresh fruits and vegetables, whole grains, lean proteins, and healthy fats. These foods are thought to help promote feelings of calm and well-being. Additionally, it is important to stay hydrated and to avoid sugary, processed, or high-fat foods, as these can often make anxiety worse.

I am constantly pacing and imaging scenarios and acting them out in the middle of the night. Is this normal?

This is not considered to be normal behavior and may be indicative of an underlying mental health condition. If you are routinely engaging in this type of behavior, it is important to consult with a mental health professional to determine if you are experiencing a mental health disorder.

Why I can't remember my dreams and have trouble remembering them?

There could be many reasons why you struggle to remember your dreams. It could be that you don't dream often, or that your dreams are very vague and unmemorable. Alternatively, it could be that you wake up too early after falling asleep and thus don't allow yourself enough time to dream. Additionally, certain medications can cause people to have difficulty remembering their dreams. Finally, stress and anxiety can also lead to difficulty recalling dreams. If you are concerned about your difficulty remembering dreams, it is best to consult with a sleep specialist or doctor.

Have your clothes ever become transparent and see through on Holi, and how was the experience?

Yes, it has happened to me before. It was not a pleasant experience.

Can you paint white over gray?

Yes, you can paint white over gray.

I use my headphones up to 12 hours a day on a 20-50% volume, music at like 20-30% and watching series at maybe 50- 60%. Is that harmful?

There is no definitive answer as to whether or not this is harmful. Some experts might say that it is fine, while others might say that it could potentially be harmful in the long run. Ultimately, it is up to you to decide whether or not you feel comfortable doing this on a daily basis.

What is the actual motive of the existence or formation of the United Nations organization since they seem not interested in helping some nations alleviate the staring problems within such nations?

There is no one answer to this question as the United Nations is an international organization with many member countries and a wide range of purposes. Some of the main goals of the UN are to maintain international peace and security, to promote human rights, and to provide humanitarian assistance.

Is Paul Ryan's professed preference for the music of Rage Against the Machine and The Grateful Dead politically motivated?

Paul Ryan has said that he likes the music of Rage Against the Machine and The Grateful Dead, but it is not clear if this is politically motivated.

How many actors have played Dr. Who?


What is your review of One Hundred Steps (2000 movie)?

One Hundred Steps is a 2000 movie about a young man's journey to find himself. The movie follows the main character, Angelo, as he tries to figure out his place in the world. Angelo is a fresh-faced young man who has just moved to Italy from his native Sicily. He quickly finds himself at odds with his new surroundings and its customs. Additionally, he is constantly pursued by the police for his involvement in petty crimes. Despite all of this, Angelo persists in his quest to find himself and his place in the world.

One Hundred Steps is a well-crafted movie with great attention to detail. The setting and period are authentically depicted and the acting is top-notch. The film's pacing is a bit slow at times, but overall it is an engaging and thought-provoking journey.

What would make a missile curve off target?

A number of things could make a missile curve off target, including a change in wind speed or direction, a problem with the guidance system, or interference from electronic countermeasures.

What are five activities that are well worth your time?

1) Cook a healthy meal from scratch
2) Go for a swim
3) Read a book
4) Call a friend
5) Go for a walk

When you are allergic to shrimp, what else can't you eat from the sea?

If you are allergic to shrimp, you may also be allergic to crab, lobster, and other shellfish.

Can Goku defeat Superman's strongest version?

The answer is no.

In America, teachers get relatively low pay, and often need a second income. In addition, their choice of career gets very little respect, so why do teachers in America teach?

They do so because they love the job, especially when they are teaching school children. Every now and then though, a family member or loved one sends a vocation teacher an inspirational gift. Schoolteachers, by career choice, also have a healing profession.

How do you comment the fact that fetuses are unique members of our own human species that go through all developmental phases we all went, and that groups like Nazis were deciding what members of our species can and cannot live?

Fetuses are certainly unique members of our species, as they are in the process of developing into full-fledged human beings. However, groups like the Nazis believe that some members of our species are inferior to others and thus do not deserve to live. This is a horrific and morally reprehensible belief, and it is vital that we stand up against it.

Are Panera Bread salads really healthy?

It depends on which salad you order. The Chinese Chicken Salad with wonton strips, almonds, and sesame seeds has 540 calories, 27 grams of fat, and 1180 mg of sodium. The Caesar Salad with chicken has 490 calories, 24 grams of fat, and 1380 mg of sodium.

How do South Korea ns feel toward Malaysia ns?

There is no definitive answer to this question since opinions will vary from person to person. However, in general, South Koreans tend to have positive perceptions of Malaysians. This is likely due to the strong economic and political ties between the two countries, as well as the increasing number of Malaysians studying and working in South Korea.

How many songs about food has Shonen Knife recorded?

At least 30

What are the advantages of political vigilantism, which is coined from the word foot-soldiers in Ghana, in the west of Africa?

There are several advantages of political vigilantism, which is coined from the word foot-soldiers in Ghana, in the west of Africa. One advantage is that it allows for a more divided andTherefore, less powerful government. This can be seen as an advantage because it gives foot-soldiers more opportunities to corner trade, smuggle drugs or commit other crimes without being detected by the government. Another advantage is that it creates employment opportunities for young people who are often underemployed or unemployed. This is because political parties need foot-soldiers to help them with tasks such as campaigning, crowd control and security.

Should India bring the French model of secularism to keep our politicians away from religion?

No, India should not bring the French model of secularism to keep our politicians away from religion. The French model of secularism, which is also known as laïcité, is a strict separation of church and state. This model would not be appropriate for India, as it would go against the country's long tradition of tolerance for different religions.

What treatment to undergo when my skin turns black and is hard and numb after I fell of from my two wheeler? I had red colouration as well which is due to blood clot. And now I have black skin in a nearby part and it's hard.

The recommended treatment would be to consult with a doctor or medical professional as soon as possible.

Does language describe our world, or create it?

It is difficult to determine whether language describes our world or creates it because it is difficult to determine what "our world" is. It could be argued that language creates our world because it allows us to communicate our thoughts and experiences, which would then shape our reality. Alternatively, it could be argued that language only describes our world because it is a tool that we use to understand and interpret the world around us.

How does private security (celebrity body guards, executive protection, private military) move across borders? Can they stay armed? How do high level individuals stay protected when traveling?

It depends on the country, but typically private security guards must go through customs and declare their weapons. In some cases, they may be able to get a special permit to keep their weapons with them, but this is rare. Most of the time, private security guards will have to leave their weapons with security at the airport or at their hotel.

Some high-level individuals may have their own private security teams that travel with them, and these teams may be able to bring their weapons into the country if they have the proper permits. However, most private security guards will not be able to bring their weapons across international borders.

Is eBay still the best place for me to sell off my old army uniforms and combat boots to get a little spending money?

eBay is still a great place to sell items, but you may want to also consider other online platforms such as Amazon or Etsy.

Can any business enterprise operate informally without employees related to another and still do business properly, but Citibank India is attempting for centuries this miracle informal business environment?

There is no definitive answer to this question, as it depends on the specific business and industry in question. However, it is generally considered more difficult for businesses to operate effectively without formal employees, as they can provide valuable skills and expertise that may be difficult to replicate in an informal setting. Additionally, formal employees can help to create and maintain important business relationships, which can be key to success in many industries. Therefore, while it is possible for businesses to operate informally without employees, it is often more challenging and may result in reduced success and profitability.

If your kid (who is a minor) is a dependent addict is it ok to completely & suddenly take away their drug supply? (this is completely theoretical btw)

No, it is not ok to take away their drug supply. This could cause them to experience withdrawal symptoms, which could be potentially life-threatening.

Is it considered rude to rest your breasts on the table in public?

Yes, it is considered rude to rest your breasts on the table in public.

A taxi driver was beaten bloody after he drove a car into Hong Kong protesters. How do you feel about this?

I feel very sad about this. It is tragic when anyone is attacked, no matter what their occupation is.

Why don’t the have actors themselves check that a firearm has “blanks” before they fire it? Shouldn’t that be the rule for anyone uses a “firearm” real, replica, whatever? What makes actors “different”.

There are a few reasons for this. First, actors are often not the ones in charge of the firearms on set. Second, even if they were, blank guns can be very dangerous if not handled properly. Third, actors are often not trained in the proper use of firearms, so it is best to leave it to the professionals. Finally, it is just common sense to have someone who is trained in the use of firearms to check the guns before they are fired.

Isn't Central European Time quite impractical for Spain?

No, it is not impractical for Spain. Central European Time (CET) is the same time zone as Spain.

What exactly is meant by processing exception, other delay on USPS tracking?

A processing exception is when a package is delayed while it is being processed by the USPS.

What are other potential ways a football/soccer match that can’t end in a draw be decided besides penalty kicks?

In some competitions, two extra periods of play are added if the game is still tied after regulation. These periods are usually 20 minutes long each, and the team that scores the most goals during this time is declared the winner. If the score is still tied after extra time, then a penalty shootout may be used to determine the winner.

If medical marijuana is made legal at state level, does that negate an officer's ability to use marijuana smell as probable cause in that state?

The legality of medical marijuana does not negate an officer's ability to use marijuana smell as probable cause.

Do extremely bright children with attention deficit hyperactivity disorder (ADHD) or attention deficit disorder (ADD) ever exist?

There is no definitive answer to this question, as there is no universally accepted definition of "extremely bright." However, children with ADHD or ADD may exhibit above-average intelligence, and some may be considered gifted.

Why are we feeling comfortable with familiar things even when we know it's bad?

We feel comfortable with familiar things because they are predictable and known to us. Even if we know something is bad, it is still familiar and comfortable because we understand it.

Are there full-time (active duty) jobs in the U.S. Air Force that usually require only 40 hours a week of work? If so, what is the scheduling normally like for that specific job?

Yes, there are full-time jobs in the Air Force that usually require only 40 hours a week of work. The scheduling for that specific job may vary depending on the needs of the Air Force, but it is typically a Monday through Friday schedule with weekends and holidays off.

How is your resume on Indeed seen? Is it public to the whole world or is it just for employers to see?

The resume that you upload to Indeed can be seen by anyone who visits the website. If you would like to keep your resume private, you can choose to only allow employers to see it.

How do you feel peace after a stressful day?

I usually feel peace after a stressful day by doing some form of relaxation technique, such as reading or taking a bath.

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