On the fourth anniversary of their conservatorship, here are seven things you need to know about the two mortgage giants. Still, few Americans understand what Fannie and Freddie actually do for homeowners, what part they played in the recent housing crisis, or what role they’ll have in the mortgage market of the future. ![]() Since then, the two companies have required roughly $150 billion in taxpayer support to stay solvent, while the government has kept the housing market afloat by backing more than 95 percent of all home loans made in the United States.įannie and Freddie remain two of the largest financial institutions in the world, responsible for a combined $5 trillion in mortgage assets. ![]() ![]() Exactly four years ago, during the early days of the financial crisis, the federal government took control of mortgage financiers Fannie Mae and Freddie Mac through a legal process called conservatorship.
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![]() ![]() If the character is so attached to his 'hammer' that he cannot adapt to, say, a screwdriver, see Crippling Overspecialization.ĭamage-Sponge Boss can be a justification for this trope. This generally happens due to the Inverse Law of Utility and Lethality the more a character specializes in combat, the smaller the characters' repertoire. For example, all of General Patton's strategies were elaborate ways to shoot stuff with tanks, and all successful modern infantry tactics end the same way: "and then we shoot them/call in the artillery." ![]() See Complacent Gaming Syndrome for cases of video game players about this.Ī justification can be that there are many ways to arrive at what looks like the same conclusion. Especially true for a given character's Signature Move and especially Finishing Move, or worse, it's part of the work's premise. Occasionally it happens because of complacency the character does have other abilities/methods to do the job, but they have used "the hammer" so much to be really effective with it, and thus those other methods are largely redundant for them (save for special occasions). ![]() Saat kau tak yakin kepadaku.ĭon’t you evernever do that? There will never be two thingsthat go together better Than you and me. 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![]() There are several practice BEEP tests apps and videos that can be found by searching online. Eas daily fitness assessment cardio TIP: Most submaximal, non-diagnostic tests are performed while the patient is taking their normal medication. It is recommended potential applicants practice this test before undertaking this part of the recruitment process. Level 9.6 must be obtained for the applicant to progress past Stage 6 of the recruitment process. ![]() The runs are synchronized with a pre-recorded audio. The BEEP test involves running continuously between two points that are 20 metres apart. Hat, sunglasses, sleeveless shirts are not to be worn to the PAT. Athletic attire is fine to be worn, so long as it covers the full length of the body. Participants are to attend the PAT wearing long sleeve, full length pants and suitable (closed in) footwear. ![]() Potential recruits will complete all stages of the PAT in the above sequence. ![]() To ensure that firefighters are able to safely and competently complete physical work tasks, ACTF&R conducts the Physical Aptitude Testing (PAT) of all potential recruits. On a daily basis, and during emergency responses, firefighters with ACTF&R may be tasked to carry and use hydraulic rescue tools, drag hoses, lift ladders and rescue incapacitated casualties. Many tasks require high levels of physical endurance, strength and power. During the recruitment process prospective applicants will be required to complete a Physical Aptitude Test (PAT) and Multi-Stage Fitness (BEEP) Test.įirefighting is an inherently physical occupation. ![]()
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