We examine the role of borrower concerns about future credit availability in mitigating the effects of adverse selection and income misrepresentation in the mortgage market. We show that the majority of additional risk associated with “low-doc” mortgages originated prior to the Great Recession was due to adverse selection on the part of borrowers who could verify income, but chose not to. We pr...

Introduction RE<C was a Google initiative to drive innovation in renewable energy, with the goal of making renewable energy cheap enough to compete head-to-head with coal-fired power plants. Hence the name RE<C “renewable energy cheaper than coal.” As part of this initiative, Google formed an engineering team to develop promising technologies in the field of solar energy power generation. After...

Low level laser therapy (LLLT) has been used in Eastern Europe and Asia for the treatment of a wide range of conditions for many years. Its continued acceptance in these populations reflects the efficacy with which it is regarded both by clinicians and their patients. Although there have been a substantial number of reports on its clinical benefit and some practitioners have used the technique ...

OBJECTIVE Low vision rehabilitation is an emerging practice area for the field of occupational therapy. As a result there is a need to develop tools and training for fieldwork educators in this practice area. PARTICIPANTS Occupational therapists with no experience in low vision rehabilitation participated in the pilot of the tools and training developed. METHOD A literature review was compl...

introduction: the use of lasers for treatment has become a common phenomenon in the medical field. currently, numerous laser systems are available for dental use. the use of lasers for periodontal treatment becomes more complicated because the periodontium consists of both hard and soft tissues. methods: related articles were gathered and selected carefully and reviewed. among the many lasers a...

the application of laser in dentistry is considered as a favorable technique for patients due to its many advantages compare to other current methods. one of the main goals in pediatric dentistry is to provide the treatment as comfortable as possible without any risks for the care. laser is being used in different pediatric dental conditions including caries detection, caries removal and cavity...