In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.

Q: Rural Housing Opportunity and Enhancement Act of 2005 - Amends the Doug Bereuter Section 502 Single Family Housing Loan Guarantee Act of the Housing Act of 1949 with respect to the single family rural housing loan guarantee program to: (1) eliminate low and moderate income eligibility requirements; (2) reduce maximum guarantee fees paid by lenders; and (3) require any regulation limiting borrower eligibility based upon the borrower's debt-income ratio to provide for a higher income-to-debt ratio for newly-constructed property loans.

Revises refinancing loan guarantee provisions to: (1) authorize a specified lender guarantee fee; (2) permit a guarantee to acquire or construct an eligible single-family residence; (3) amend closing cost provisions; (4) eliminate income requirements; (5) prohibit that an appraisal credit report be required in connection with the loan, or that the residence be in a rural area for an existing loan; and (6) require that the borrower is not delinquent with respect to existing loan payments, and that monthly refinance payments be at least $50 less than existing monthly payments.

Requires agricultural housing loans to be recorded as Department of Agriculture, rather than conventional, loans.

Revises the definition of "rural area."

Increases direct loan income limitations.

A: To amend section 502(h) of the Housing Act of 1949 to improve the rural housing loan guarantee program, and for other purposes.
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Q: Medicare Home Health Agency Efficiency Act of 1998 - Amends title XVIII (Medicare) of the Social Security Act, as amended by the Balanced Budget Act of 1997, with respect to the interim payment system for home health services.  Replaces the current reasonable cost limit under the system (105 percent of the median of per visit costs of freestanding home health agencies) with:  (1) 110 percent of the mean of such costs (during FY 1998); and (2) 107 percent of such mean (for cost reporting periods beginning on or after October 1, 1998). 
Repeals the two-year freeze on payment increases for such services. 
Revises the formula for the per beneficiary annual limitation. 
Requires the Secretary of Health and Human Services to establish, according to a specified formula, a per beneficiary efficiency standard for services furnished by home health agencies for cost reporting periods beginning on or after October 1, 1997. 
Repeals the default reduction of interim limits.

A: Medicare Home Health Agency Efficiency Act of 1998
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Q: Rural Teacher Retention Act of 2007 - Directs the Secretary of Education to establish a five-year pilot program awarding competitive grants to no more than 10 states to enable them to award salary bonuses to highly qualified teachers or highly qualified special education teachers who teach, or commit to teach, for at least three academic years, in an elementary or secondary school served by the same rural local educational agency (LEA), including one that serves a high number or percentage of children who are Native Hawaiian.

Awards such grants on the basis of the needs of a state's rural LEAs for recruiting and retaining such teachers. Requires that, in determining such needs, the Secretary consider: (1) a rural LEA's eligibility for assistance under part B (Rural Education Initiative) of title IV of the Elementary and Secondary Education Act of 1965; (2) a rural LEA's service of low-income, limited English proficient, migrant, Indian, or disabled students; and (3) the state's long-term plans for recruiting and retaining such teachers in its rural LEAs.

Requires the Secretary to track and assess the implementation and effectiveness of each project funded under this Act..

A:
A bill to create a competitive grant program for States to enable the States to award salary bonuses to highly qualified elementary school or secondary school teachers who teach, or commit to teach, for at least 3 academic years in a school served by a rural local educational agency.
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