The big bang's poor predictions track record is extensive as shown from its many failures including...- Yet even secular science authorities have begun objecting to the systematic misattribution, and hence, post-dating, of the the claim of expansion.Expansion was not a "prediction" of the 1931 big bang theory; it was a 1920s interpretation of both Einstein's equations and red-shift data.“As soon as a loan closes, before the borrower even makes their first payment, financial institutions must set aside loan loss reserves, but manually calculating that number is challenging, especially for banks and credit unions with limited resources,” said Ben Wu, executive director at Loan Scorecard.“Even the most CECL-ready organizations have yet to solve this impact on the balance sheet.Central Pacific Bank provides a full range of mortgage services that include retail, portfolio and correspondent lending, as well as investment and trust services through a network of 35 branches in the state of Hawaii. With Custom AUS from Loan Scorecard, Central Pacific Bank can now customize underwriting decisioning and safely originate compliant assets.The system delivers an underwriting decision to third-party originators (TPOs) and provides an assessment report that includes a breakdown of every rule applied and whether the loan passed or failed a particular guidelineâ€”creating an audit trail for underwriting and ability-to-repay decisions and helping to ensure consistent, transparent application of credit policy.Without provisioning at the time of origination, a bank is out of compliance and reserves are inaccurate.
"We expect Custom AUS to make us more efficient, reduce errors and provide better feedback to our sales team." "The new Home Mortgage Disclosure Act (HMDA) reporting requirements go into effect in about a year and the status quo of manual underwriting is insufficient to be in compliance," said Ben Wu, Executive Director at Loan Scorecard.
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"both of those models were [valid] solutions to Einstein's equations..." - 1926 Edwin Hubble: Extra-galactic Nebulae: "This contribution gives the results of a statistical investigation of 400 extragalactic nebulae for which Holetschek has determined total visual magnitudes." - 1927 Georges Lemaître: Two years before Hubble, Lemaître explicitly published what was later misnamed the "Hubble Law", in his paper, "A homogeneous universe of constant mass and increasing radius accounting for the radial velocity of a period of time in which the universe was static.
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