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This is a good idea

It all revolves around a rational relationship between cost, expected (monetary) value, and appropriate controls in the lending process…

…which is the way we almost always deal with financing things.

So it’s not only about the “who” it’s also about the “what.” In mortgage lending, lenders obviously care about a prospective borrower’s wherewithal to afford the loan. But they also care that the property they’re financing is worth the price being paid. And both things are important.

We’ve never looked at degrees in terms of the relationship between their cost and their anticipated value. But we’d better start if we want to get this problem under control.

Early voting in small town Indisna..

It's been a rule here since before I showed up. I got bit by it early on myself. The policy is in place at the request of @Noodle, who has a Downs son and has educated us as to how the disability community views "retard" and the variants as slurs. Think of it like if n----r was used repeatedly and @MrBing told us "Hey guys, that's not cool."

Thank you. And to be clear, I am not thin skinned or PC. Rather, some time ago I explained the effect the word has on people with developmental or intellectual disabilities. A word that was originally used to describe individuals who have a developmental disability has morphed into a catchall word for belittling another person or their ideas, declaring something that was said as being stupid, etc. It's used as an insult against someone who does not have a developmental disability, which makes it even more biting for those who actually do have an developmental/intellectual disability. Thankfully, it's use is decreasing.

Regrettably, however, on several occasions someone in a work setting has used it in my presence to refer to something they thought was stupid, etc. Non of them knew about my son (though one found out shortly after when a colleague told them). In all of those instances, my impression of that person dropper precipitously. (One of them did apologize to me directly, in tears, after a colleague informed them about my son.)

Personal attacks are one thing. Often they're deserved. But a personal attack that impacts another person who was not the intended target is flat wrong.

Which side has more quiet or embarrassed voters this time around?

Because a large portion of the Trump base, white rural working class voters, are hard to reach and don't take polls. The Harris base is all easy to reach.
Let’s suppose this is correct and central to why pollsters missed him before.

Don’t you think they’d correct for this in their weighting?
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