Aperiomics is a system I thought of in 1989, I’ve been working on it mainly privately since then but am now starting to publish it. More detailed of it are found at Aperiomics.org, it is based on 12 mathematical principles of chaos and randomness that combine to explain events in war, economics, crime, sociology, evolution, etc.
People are welcome to read, they can correspond with me at firstname.lastname@example.org.
Saturday, March 2, 2013
Secret Documents Show Weak Oversight of Key Foreclosure Program - ProPublica
obtained by ProPublica shed new light on this failing in 2009 and 2010,
when the foreclosure crisis was at its peak and six million American
homeowners were in danger of losing their homes. HAMP required mortgage
servicers to offer loan modifications to eligible homeowners so that
their monthly payments would be lower. The servicers — the largest of
which were owned by the banks that had fueled the crisis in the first
place — were in charge of reviewing homeowner applications, but the
government set the rules and was supposed to supervise their work.
the documents show that the government did not complete a major audit
of the two largest banks in the program, Bank of America and Wells
Fargo, until over a year after the program launched.
Weak I-O policing continues the Iv-B and V-Bi disconnect, Iv bank employees as agents are expected to deceive the B home owners so the V bank makes more profits. Bi communities complain to I regulators to try to strengthen them. Random audits of Iv can quench the chaos because they cannot anticipate randomness, this is why random O patrols work well against Oy criminals.
documents also show how the Treasury Department coddled servicers that
weren’t complying with the program’s rules. Once a year, servicers are
required to certify that they are complying with the program’s rules.
But servicers define for themselves what it means to comply. A company
that admits violating the rules is allowed to merely submit a cover
letter with their certification stating the exceptions and how it would
fix the problems.